Privacy Policy

Last Updated: 10/22/24

This privacy policy describes how Phoenix Insurance Consultants,

Phoenix Insurance Consultants LLC Ref. here as PICINS

and its affiliates may collect, store, share, and secure

your information on our websites.

 

By using this website and the service(s) offered on this website, you accept all terms and conditions of this agreement. Your access and use of this website constitutes an agreement by you, that you will abide

by each of the terms and conditions set forth below.

 

This privacy policy describes our policies and procedures on the collection, use and disclosure of your information when you use this websites, or employ services on this website. By accessing this website and using the services provided you agree to the collection and use of information in accordance with this privacy policy.

 

If you disagree with any of the terms that follow, or do not agree to be bound by all such terms,

PICINS asks you do not use this website or any of its related services.

 

PICINS may collect information about you in some of the following ways
 

• PICINS may collect the information you provide to us;
• PICINS may collect information about you from third parties; and
• PICINS may collect information automatically through your use of our website.
• PICINS use and disclose this information to provide you with our products or services, to communicate with you, to provide you with customer service, to market our products or services to you, to develop or improve our products or services, for legal or compliance purposes, or as required or permitted by applicable law. The remainder of this policy provides you with additional information.

 

This privacy policy applies on websites and apps where PICINS posted it. PICINS may provide you with additional privacy notices relating to the collection or use of your personal information at the point PICINS collects additional information from you.

 

1. PICINS may collect information through our website(s). PICINS may collect the information you provide us when you use our website, such as when you:

 

• Ask a question,
• Apply for products or services,
• Complete a form,
• Conduct transactions,
• Email us,
• Subscribe to receive emails from us, and
• Complete surveys or provide feedback.

 

2. PICINS may collect information when you apply for our products or services. PICINS may collect information about you when you apply for our products or services. Some examples include:
 

• First and last name
• Date of birth
• Social Security Number(s)
• Telephone number;
• Assets, income, and occupation;
• Spouse/dependants information;
• Property address and value;
• Account and policy information;
• Account login credentials;
• Driver’s license number;
• Credit reports and other consumer report information;
• Information from applications and transactions;
• Payment card information and other billing information (such as card image, card number, cardholder name, expiration date and card verification code) associated with your account;
• Other financial information;
• Any other personal information you provide us; incl.
• Health or medical history;
• Public information;
• Geographic location/locational data; and usage data;

 

Examples of data collection incl., but are not limited to:

PICINS may collect personal information about you, another insured on your policy, or a beneficiary when you or they apply for a policy or service.

If you apply for a product or service, PICINS may collect information from your consumer reports, such as your credit report or motor vehicle report. You may have a right to request the source of the credit report. PICINS may also need to collect your medical information from a medical provider, such as for claims, life insurance underwriting, or as otherwise required.

Usage data is collected automatically when using our website:

Usage data may include information such as your device’s internet protocol address (IP address), browser type, browser version, the pages of our service that you visit, the time and date of your visit, the time spent on those pages, unique device identifiers and other diagnostic data.

When accessing the site by or through a mobile device, PICINS may collect certain information automatically, including, but not limited to; the type of mobile device , the mobile device unique ID, the IP address of the mobile device, mobile operating system, the type of mobile internet browser used, unique device identifiers and other diagnostic data.

PICINS may also collect information that your browser sends whenever visiting our site or when accessing it or through a mobile device.

 

Tracking technologies and cookies

PICINS use cookies and similar tracking technologies to track the activity on our website and store certain information. Tracking technologies used are beacons, tags, and scripts to collect and track information and to improve and analyze our services. Some of the technologies PICINS use may include (but are not limited to):

 

Cookies or browser cookies.

A cookie is a small file placed on your device. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, You may not be able to use some parts of our website/services. Unless you have adjusted Your browser setting so that it will refuse cookies, our website/services may use cookies.

 

Web Beacons.

Certain sections of our website/services and our emails may contain small electronic file packets known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit us, for example, to count users who have visited those pages or opened an email and for other related website statistics (for example, recording the popularity of a certain section and verifying system and server integrity).

Cookies can be "persistent" or "session" cookies.

Persistent Cookies remain on your personal computer or mobile device when you go offline, while session cookies are deleted as soon as you close your web browser.

PICINS use both Session and Persistent Cookies for the purposes set out below:

Necessary/essential cookies type: session cookies,

Purpose: These Cookies are essential to provide you with services available through the website and to enable you to use some of its features. They help to authenticate users and prevent fraudulent use of user accounts. Without these cookies, the services that You have asked for cannot be provided, and PICINS only use these cookies to provide You with those services.

Cookies policy/notice acceptance cookies type: persistent cookies

Purpose: These cookies identify if users have accepted the use of cookies on the website.

Functionality cookies type: persistent cookies

Purpose: These cookies allow us to remember choices you submit when you use the website, such as remembering your login details or language preference.

The purpose of these Cookies is to provide You with a more personal experience and to avoid You having to re-enter your preferences every time You use the Website.

 

For more information, please refer to the FTC's guidance on cookies and other forms of online tracking here: https://consumer.ftc.gov/articles/how-websites-and-apps-collect-and-use-your-information

 

3. PICINS may collect information from third-parties:

 

PICINS may collect information about you from third parties. For example, PICINS may:

Collect change of address information from third parties to correct your information in our records;

Collect your social media handle, message, or related information from a social media network when you interact with us using those networks;

Collect credit reports from credit reporting agencies when you apply for an insurance or financial product or service;

Collect telematics information from your car manufacturer, mobile app, telematics device, telematics data aggregator, or smart home device, sensor, or alarm when you sign up for a usage-based insurance product or service from us that relies on such telematics information;

Collect device information from your smart home device manufacturer when you access or use our services with a smart speaker or other smart home device;

Collect device identification information about your mobile phone or tablet from your device manufacturer or the app store connected to your device when you install or use our apps on your devices.

PICINS may receive information about you from other sources, including publicly-available sources or third parties. PICINS may combine this data with information PICINS already have about you, for example in order to update our records.

 

4. PICINS may use your personal information to provide you with our products or services:

 

PICINS may generally use your information to provide you with our products or services, to develop or improve our products or services, to communicate with you, to provide you with customer service, to market or advertise our products or services to you, for legal or compliance purposes, or as required or permitted by applicable law. PICINS may use your personal information to comply with our legal obligations, resolve disputes, enforce our agreements or our rights or the rights of third parties, or to comply with government or law enforcement investigations, litigation, discovery, regulatory requirements, corporate investigations, dispute resolution, debt collection, or others.

 

5. PICINS may collect information automatically:

 

PICINS may collect information automatically using online technologies, such as cookies, logs, web beacons, tags, scripts, local storage, and others, when you use our websites or apps, send us an email, or interact with our emails or advertisements. PICINS may use these technologies for providing our products or services, security, authentication, analytics, product or service improvement, advertising, fraud detection, or similar purposes for our websites or apps.

PICINS may automatically collect from you information including internet protocol addresses, browser information and language, mobile device identifiers, internet service provider, referring and exit pages, operating system, session ID, date and time stamp, geolocation or other location information, and click or touch stream data, movement, scroll, and in some cases, keystroke activity.

PICINS may use local storage (such as HTML5 or Flash cookies) or similar technologies to store content information or preferences or display advertising.

 

PICINS may use this information to:

• Conduct website or mobile app analysis,
• Recognize your browser or device,
• Remember your preferences and interactions,
• Collect information about our website or app usage and email responses,
• Log activity on our websites or apps, and
• Market products or services to you.

 

You can control cookies or similar technologies.

Most internet browsers allow you to block, manage, or delete cookies or local storage through the privacy features of your browser. Please refer to the help section of your browser or mobile device for additional information. Your browser may also offer add-ons, plugins, or extensions to manage local storage objects, scripts, or similar technologies mentioned in our privacy policy. Please note that if you block cookies or similar technologies, you may not be able to use the full functionality of our websites or apps.

 

6. PICINS may use Google’s services:

 

PICINS websites may use Google Analytics and Google Tag Manager, which are web analytics services provided by Google LLC. These services use cookies to analyze your use of our websites or apps. The information collected by these cookies about your use of our website is transmitted to and stored on Google servers. Google uses this information to assess your use of our websites or apps and provides reports on data. This data may include how often you visit our website, what pages you view when you visit the website, and what other websites you have visited prior to visiting our website.

Google may transfer this information to third parties, if required by law or if third parties process the information on behalf of Google.

You may review Google’s data privacy practices for Google Analytics and data privacy practices for Google Tag Manager. You may also review Google’s privacy policy of service for more information, available here: https://policies.google.com/privacy?hl=en-US

To opt out of being tracked by Google Analytics, you may download and install the Google Analytics Opt-out Browser Add-on, available here: https://tools.google.com/dlpage/gaoptout

 

7. PICINS may use online interest-based advertising:
 

PICINS works with advertising companies to show you online advertising for our products or services based on your interests. These ads may be based on your interests or activities on our websites or other websites. PICINS may use online technologies, such as third-party cookies, beacons, tags, or scripts, to collect information about you. PICINS share this information with our service providers to manage our online advertising. This allows us to render relevant PICINS ads to you. This is commonly known as online interest-based advertising.

Our third-party partners may also use online technologies for website or app analysis and to manage the effectiveness of our ads placed on other websites or apps. PICINS do not store your name, address, telephone number, email address, or any sensitive personal information in these cookies or similar technologies. The companies that distribute our ads are only permitted to use or share your information for marketing PICINS products and services. You should also review the privacy practices of those third parties.

 

8. You can control online interest-based advertising:
 

You may read more about online interest-based advertising by visiting the federal trade commission website: https://www.ftc.gov/ You can opt out of online interest-based advertising using the digital advertising alliance website: https://digitaladvertisingalliance.org/ or the network advertising initiative website: https://thenai.org/

You can opt out of online interest-based advertising on your mobile device by using “limit ad tracking,” “opt out of ads personalization,” or similar feature. Please note that you may continue to see generic or non-targeted ads from these companies after you opt-out. OMIC websites or apps do not respond to “Do Not Track” requests. Please refer to the device manufacturer for directions on how to opt out on that device.

 

9. PICINS may provide links to other websites:
 

PICINS may have links to other companies or organizations on our websites or apps. PICINS may also include links to third-party websites or social media widgets, such as “share this” (or similar) buttons. These websites and features may collect your information and use cookies or similar technologies to enable these features to function properly. PICINS are not responsible for how these third parties collect, use, disclose, secure, or otherwise process the information that you provide to them. You may read their privacy policies to learn how their websites or apps use your information.
 

10. PICINS may offer usage-based insurance products or services:

 

PICINS may offer various usage-based insurance products or services that collect different information from you. Depending on the particular product or service, PICINS may gather this information using a mobile app, other telematics device, or data aggregator.
 

11. PICINS may record calls to our office /call centers:
 

PICINS may record or monitor our conversations with you if you call our customer service centers. PICINS may use these recordings for training, quality assurance, fraud prevention, and other business purposes. PICINS may use your voiceprint for verification or anti-fraud purposes when you call our call centers.

 

12. PICINS may retain your personal information:

 

For standard business practices

PICINS generally retain our records that contain your personal information in accordance with our records retention policies. PICINS retain your personal information while your account is active or as needed to provide you services. PICINS also retain your personal information as required or permitted by law, to comply with our legal obligations, resolve disputes, and enforce our agreements.

Business Transactions

If PICINS is involved in a merger, acquisition or asset sale, your personal data may be transferred. In that situation you will be provided notice through new associated ownership of said data, as to when and how your personal data is transferred and becomes subject to a different privacy policy.

Law Enforcement, either state or federal

Under certain circumstances PICINS may be required to disclose your personal data if required to do so by law or in response to valid requests by public authorities (e.g. a court or a government agency).

PICINS may disclose your personal data in the good faith belief that such action is necessary to:

• Comply with a legal obligation
• Protect and defend the rights or property of the company
• Prevent or investigate possible wrongdoing in connection with the website/service(s)
• Protect the personal safety of users of the website/services or the public
• Protect against any legal liability

 

13. PICINS may share your personal information to provide your products or services:
 

PICINS may share your personal information only as described in our privacy policies. PICINS do not sell your personal information.

When you buy an insurance or financial product or service, PICINS may share your information with PICINS affiliates or our service providers to provide your product or service, to conduct research and analytics, to develop our websites or apps, and to conduct surveys. PICINS may also share your information with your agent. They may use your information to manage your policy or account.

PICINS also share and disclose your information for everyday business and servicing purposes, and as permitted by law. You may not opt out of this type of sharing because it is necessary for us to provide you with our products or services. For example, PICINS may share your personal information for mailing your statements or processing transactions that you request; as required by law, such as responding to a subpoena or governmental requests; when PICINS believe that disclosure is necessary to protect our rights, protect your safety, or the safety of others; investigate fraud or respond to a government request; servicing your services or products; debt collection; and disclosing your information in connection with the sale or purchase of a business.

PICINS may share your personal information in a corporate transaction, such as mergers, acquisitions, or divestitures. However, your personal information remains subject to this privacy policy.

 

13. Links to other websites:
 

Our Service may contain links to other websites that are not operated by us. If You click on a third party link, You will be directed to that third party’s site. PICINS strongly advises you to review the Privacy Policy of every site You visit.

PICINS have no control over and assume no responsibility or liability for the policies or practices of any third parties. If you chose to access any Websites or Service(s) linked from our Website, please check the applicable policies with that Website before you use or submit any personal data to such Website or Service.

 

14. PICINS secures your personal information:
 

The security of your personal data is important to us.

PICINS use reasonable physical and technical safeguards to protect your personal information. When you enter sensitive information on our forms, PICINS encrypt the transmission of that information. However, no method of transmission over the internet is 100% secure. Therefore, PICINS cannot guarantee its security.

PICINS limit access to your personal information to those who need it to do their jobs. PICINS maintain physical, electronic, and procedural safeguards that comply with applicable laws to guard your personal information. PICINS require our service providers to use your personal information only for the purposes PICINS outline in our privacy policies and notices.
 

15. Regarding children's privacy:
 

Our Service does not willfully address anyone under the age of 13. PICINS do not knowingly collect personally identifiable information from anyone under the age of 13. If You are a parent or guardian and You are aware that Your child has provided Us with Personal Data, please contact Us. If PICINS become aware that PICINS have collected Personal Data from anyone under the age of 13 without verification of parental consent, PICINS take steps to remove that information from Our servers.

If PICINS need to rely on consent as a legal basis for processing Your information and Your country requires consent from a parent, PICINS may require Your parent’s consent before PICINS collect and use that information.

 

14. International jurisdictions:
 

The Website is hosted in the United States of America and is subject to U.S. state and federal law.

If you are accessing our Website from other jurisdictions, please be advised that you are transferring your personal information to us in the United States, and by using our Website and Service, you consent to that transfer and use of your Personal Data in accordance with this Privacy Policy.

You also agree to abide by the applicable laws of applicable states and U.S. federal law concerning your use of the Website and your agreements with us.

Any persons accessing our Website from any jurisdiction with laws or regulations governing the use of the Internet, including Personal Data collection, use and disclosure, different from those of the jurisdictions mentioned above may only use the Website in a manner lawful in their jurisdiction. If your use of the Website would be unlawful in your jurisdiction, you may not use the Website or Services therein.
 

15. PICINS may change our privacy policy:
 

PICINS may, at our sole discretion make changes to this Privacy Policy.

Any/all changes to this privacy policy will be reflected on this page, becoming effective at the "Last Updated" date at the top of this privacy policy. Unless stated otherwise, our current revision of our Privacy Policy applies to all information that PICINS have about you and your account. You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page. In the event that an amendment materially alters your rights or obligations, PICINS may notify you of the amendment, such as by posting the new privacy policy on this page, or sending a notification to you at the email (if you have provided such information) PICINS have listed on file for you.

Your continued use of the W\website or communication(s) with us now, as well as after any updated privacy policy has been posted (or any other indication of your consent) will constitute your acceptance of the privacy Ppolicy.

 

If you have any questions about this privacy policy, you can contact us by email: jkauffman@phoenixinsuranceconsultants.com

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