Privacy Policy

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Depending on your use of the Services and how you otherwise interact with us, we may collect or obtain information from and about you in several ways, including: (1) directly from you; (2) automatically when you visit and interact with the Digital Properties; and (3) from third parties. Additional details regarding our collection of your personal information are included below.

Information provided by you
When you visit and interact with the Digital Properties or otherwise engage with us, we collect personal information that you share with us. For example, we may collect personal information when you contact us (via phone, email, or other method), request that we send you promotional communications or other materials, or otherwise communicate with us.

Depending on the context of your interactions with us and the Services, the categories of personal information that we may collect directly from you include:

• Contact information, including your name, street address, telephone number, and email address.
• Identifying information,date of birth, and other identifiers.
• Correspondence and communications, including recordings of our email and phone conversations with you and any correspondence related to providing you with the Services, including any interactions and conversations you have with our chatbots or other AI-powered tools or services.
• Preferences, including how frequently you wish to receive marketing and promotional communications from us.
• Other information you choose to provide, including information you include in any webforms that you complete and submit on the Digital Properties and other information that you provide during your interactions with us.

Where applicable, we may indicate whether and why you must provide us with your personal information as well as the consequences of failing to do so. For example, it may be necessary for you to disclose certain personal information in order for us to provide the Services to you.

You may voluntarily provide certain information to us when you interact with any automated assistance chatbot on the Digital Properties, which our service provider may enable on our behalf. Note that conversations with any chatbot present on the Digital Properties may be monitored and recorded, and any personal information you provide will be handled by us and our service provider in accordance with this Privacy Policy.

Some personal information that we receive from you may relate to other individuals (e.g., co-borrowers). You are responsible for obtaining all necessary permissions to provide personal information relating to other individuals to us.

Information collected through automated means
When you visit and interact with the Digital Properties, we (and our service providers and partners) may use cookies, pixels, web beacons, software development kits (SDKs), and other similar tracking technologies to collect certain information automatically, including information about your behavior on the Digital Properties (e.g., how you move and scroll through the Digital Properties, your keystrokes, how you interact with webforms, etc.) and the actions that you take upon receipt of an email from us. Click the “Your Privacy Choices” link in the footer of our website for more information on our use of these technologies and any options for opting out of the use of such technologies.

The specific types of information we (and our service providers and partners) may collect include:

● Device information, which includes the Internet Protocol (IP) address and/or other unique identifier(s) assigned to your device; the location of your device; and other information about your browser, device, and operating system.
● Usage information, which includes information about your interaction(s) with the Digital Properties (e.g., the date and time of your visit(s); the area(s) or page(s) that you visit; the amount of time you spend on a page or use the Digital Properties; the domain name from which you accessed the Digital Properties; and other click-stream or usage information).

Analytics
We use third-party analytics and tracking tools to better understand who is using the Digital Properties, how the Digital Properties are used, and how to improve the effectiveness of the Digital Properties and related content. We may also use the information collected to draw inferences. For example, we use Google Analytics to better understand how users interact with the Digital Properties. For information on Google Analytics’ information-handling practices and how you can control the use of information sent to Google, visit https://policies.google.com/technologies/partner-sites(opens in a new tab). If you wish to prevent your information from being used by Google Analytics, Google has developed the Google Analytics opt-out browser add-on available at https://tools.google.com/dlpage/gaoptout(opens in a new tab). You may also opt out of the use of certain tracking technologies by clicking the “Your Privacy Choices” link in the footer of our website and following the instructions.

Interest-based advertising
We use third-party tools and services to serve interest-based advertisements to you across the internet. These tools may include cookies, pixels, web beacons, and/or other similar tracking technologies that automatically collect, store, and/or transmit certain information about your interaction(s) with the Digital Properties and other websites and mobile apps that you interact with and use across your devices. Our third-party service providers and partners use the collected information to serve advertisements to you and measure the performance of our advertising campaigns. To learn more about your interest-based advertising choices, see the “Your Choices” section below.

To opt out of the use of certain tracking technologies, click the “Your Privacy Choices” link in the footer of our website and follow the instructions. You may also be able to adjust your device or browser settings to limit certain tracking or to decline cookies. Refer to your device’s settings or your browser’s “Help” section for more information on how to delete cookies and/or disable your device or browser from receiving cookies or adjust your tracking preferences. Additional information about cookies, including how to manage them, can be found here: https://allaboutcookies.org/(opens in a new tab).

Site recording technology
We use third-party site visit recording technologies to memorialize visits to our Digital Properties. Scripts from these technologies are embedded on our Digital Properties and collect information when you interact with pages where the scripts are present. These technologies collect information such as page URL, mouse movements and clicks, information you input, snapshots of pages you visit, time spent on a page, date and time of various interactions with a page, and HTTP headers from your browser. By visiting our Digital Properties or using our Services, you acknowledge and agree to our use of such site recording technologies and the collection, maintenance, and use of information these technologies collect.

Chatbots and AI-Powered Tools

We may use chatbots on certain Digital Properties to help provide customer service and support, including through the use of a virtual assistant and other services. A chatbot is a software application that mimics human conversations in text or voice interactions on our website. It enables the communication between a human and a machine, which can take the form of messages or voice commands. The chatbot is designed to work without the assistance of a human operator. It responds to questions posed to it in natural language as if it were a real person using a combination of pre-programmed scripts, machine learning, and generative artificial intelligence (“AI”). When asked a question, the chatbot will answer using the knowledge database that is currently available to it. If the conversation introduces a concept the chatbot is not programmed to understand, it will advise of its limitations. If you use our chatbot service, we will collect and maintain any information you provide to us when using the chatbot. You are responsible for the information you share with the chatbot, and you should not input sensitive or personal information, such as financial or account details or other confidential information. By using the chatbot, you agree not to input such sensitive or confidential information. You are responsible for evaluating and verifying any output generated through a chatbot or other AI-powered tool or service. You acknowledge and agree that you should consult a qualified professional for any recommendations related to your individual situation. We may also create and store a transcript of your chat interaction with us, which may be stored by our third-party service provider. We may use these transcripts and the information you provide for quality control, customer service, fraud prevention, and security. By using the chatbot, you agree that (1) your use of chatbots and other AI-powered tools and services will be limited to Insure-Mn customer service and support inquiries and other Insure-Mn services, and (2) we may use transcripts or other records related to your interactions with chatbots and other AI-powered tools and services, as well as the information you provide to such chatbots and other tools and services, for fraud detection and prevention, security, quality control, and customer service, support, and optimization.

For certain chatbots and AI-powered tools made available through third-party platforms, we may receive aggregated or de-identified usage information, such as selected filters or search parameters, to operate, analyze, and improve the tool and our Services.

Information collected from other sources

We may obtain your personal information from other sources, including, for example, credit bureaus, our service providers, our customers, lead generators, social media platforms, Network Partners (as defined below), and other partners.

The information that we receive from other sources may include contact information, demographic information, identifiers, including full or partial Social Security number, consumer credit reports, credit scores, credit history, and other consumer reports/credit information, financial information (e.g., information about an account and the terms, amount, usage, or disposition of a loan or other financial product, including those received from or through a Network Partner), and internet or other electronic network activity information.

We may use the personal information that we receive from other sources to help us maintain the accuracy of or supplement the information we collect; personalize your experience with the Services; conduct internal business analysis; and fulfill other business or commercial purposes described in this Privacy Policy.

Combination of information
We may combine personal information that we receive from and about you, including information you provide to us, information we automatically collect through the Digital Properties, and information we receive from third-party sources. Where applicable, we will use, disclose, and protect the combined information for the purposes described in this Privacy Policy.

HOW WE USE PERSONAL INFORMATION

We may use personal information we collect for the following purposes:

● Providing the Services, including to operate, maintain, support, and provide the Services.
● Communicating with you, including to contact you for administrative purposes (e.g., to provide the Services and information that you request or to respond to your comments and questions) or to send you important updates and communications about this Privacy Policy and/or other applicable terms and conditions.
● Sending you marketing and promotional communications, including emails and other communications and alerts about products or services that we think may interest you. Details on how to exercise your choices with respect to marketing and promotional communications from us can be found in the “Your Choices” section below, or you can click on the “Unsubscribe” link in the footer of our website or in emails to manage your subscription preferences.
● Personalizing the Services, including to tailor the content we may send or display to you and otherwise personalize your experience with us.
●Engaging in interest-based or targeted advertising, including to serve you interest-based advertising on the Digital Properties or on other online websites or services across the devices you may use. Details on how to exercise your choices with respect to interest-based advertising can be found in the “Your Choices” section below. You may also click the “Your Privacy Choices” link in the footer of our website to learn more or opt out of the use of certain online tracking technologies, including those associated with targeted advertising.
●Conducting research and analytics to develop and improve the Services, including to analyze usage trends and preferences in order to optimize and improve the Services and to develop new products, services, and features. You may click the “Your Privacy Choices” link in the footer of our website to learn more or opt out of the use of certain online tracking technologies, including those associated with research and analytics.
● Maintaining security and preventing fraud, including to monitor and maintain the security of our systems and networks and to detect, prevent, investigate, and protect you, our business, and others from fraud, unauthorized transactions, and other unlawful or unsafe activity. We also use Cloudflare Turnstile to support fraud prevention and website security by helping distinguish legitimate users from automated or malicious activity. Learn more about how Cloudflare uses information in connection with Turnstile here: https://www.cloudflare.com/en-gb/turnstile-privacy-policy/(opens in a new tab). You may click the “Your Privacy Choices” link in the footer of our website to learn more about our use of tracking technologies to provide essential services. Note that you may be unable to opt out of the use of certain essential services.
● Satisfying our legal obligations, including complying with applicable law and responding to lawful requests and communications from law enforcement authorities and other government entities and officials.
●Supporting our business operations and business transactions, including to administer our general business and other related functions and to carry out sales or other business transactions.

We may also use your personal information as described to you at the point of information collection or with your consent. Additionally, we may use your personal information as we believe necessary or appropriate to protect our rights, privacy, safety, property, and/or those of others.

HOW WE DISCLOSE PERSONAL INFORMATION

We may disclose each category of personal information we collect from and about you with the following categories of recipients:

● Our Affiliates and Subsidiaries. We may disclose your personal information to other entities within our family of brands to fulfill any purpose described in this Privacy Policy.
● Network Partners. When you use the Services to submit a request for a loan, insurance, or other financial product or service, we may disclose your personal information to lenders and other third parties in our network (collectively, “Network Partners,” see partner lists linked below) and Product Partners as necessary to deliver the products and services that you requested. We may disclose your personal information to Network Partners to provide you with information about financial products and services that may interest you. Note that Network Partners and Product Partners that interact with you may use and/or retain your personal information whether or not you use their services and their handling of your personal information is subject to their privacy policies. Our Network Partners, Gorman Insurance Agency and Allstate Insurance. may be updated from time to time, and we encourage you to review the lists periodically to remain informed about with whom we may share your information.
● Financial Companies. We may disclose your personal information to other financial companies with whom we may engage in joint marketing efforts or who offer financial-related products or services that may be of interest to you.
● Our Business Partners. We may disclose your personal information to other companies with whom we partner to provide the Services and carry out other activities described in this Privacy Policy.
● Our Service Providers. We may disclose your personal information to third parties that provide business, professional, or technical support services to us and/or administer activities on our behalf.
● Our Analytics Providers. We may disclose your personal information to parties that assist us in performing analytics and help us measure the effectiveness of the Services and our marketing and advertising efforts.
● Our Marketing and Advertising Partners. We may disclose your personal information to our marketing and advertising partners, including social media platforms and networks, third-party advertising networks, and other parties that assist us in serving, measuring the performance of, and optimizing our advertisements, including targeted or interest-based advertising.
● Governmental and Public Authorities. We may disclose your personal information to government and public authorities as necessary or permitted by the laws of any jurisdiction in which we operate, including in response to a subpoena, court order, investigative demand, request for cooperation from a law enforcement agency, or similar request from a self-regulatory body or government agency, entity, or official.
● Relevant Third Parties in Connection with a Business Transaction. We may disclose or otherwise transfer your personal information to an acquirer, successor, or assignee as part of any merger, acquisition, debt financing, sale of assets, or similar transaction as well as in the event of any insolvency, bankruptcy, or receivership in which information is transferred to one or more third parties as one of our business assets.
● Other Parties. We may disclose your personal information to other parties as we believe necessary or appropriate either to: (1) comply with applicable law; (2) protect our operations and those of our affiliates and subsidiaries; (3) investigate and prevent against fraud and other illegal activity; (4) protect our rights, privacy, safety, property, and/or those of others; or (5) allow us to pursue available remedies or limit damages that we may sustain.
We may disclose your personal information for other reasons described at the time of information collection or prior to disclosing your information.

 

CHILDREN’S PRIVACY

The Services are not intended for or directed to individuals under the age of 18, and we do not knowingly collect, sell, or share personal information from or about individuals under the age of 18.

 

Additionally, we may disclose your personal information with your consent or when you direct us to do so. We may de-identify, anonymize, or aggregate personal information and disclose such information to third parties for various purposes as permitted by law.

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