- Acknowledgment and Acceptance of Terms
- Information We Collect and How We Use It
We may collect information from people who visit or use this website in a variety of ways. This may include registering on our website or directly requesting information online, utilizing user and visitor tracking logs, and employing cookies or web beacons. The information we collect generally falls into two categories: “non-personally identifying information” and “personally identifying information.” Our uses of these two categories of information are described below.
A. Non-Personally Identifying Information
Non-personally identifying information includes information that, without the aid of additional information or data, cannot be associated with a specific person. Examples of non-personally identifying information include:
- The kind of browser or computer you use;
- The number of links you click within this website;
- Your Internet Protocol (IP) Address;
- The date and time of your visit(s) to this website;
- The name of your Internet service provider;
- The Internet page you were on before landing on our website; and
- The pages you view on our website.
Non-personally identifying information also includes aggregated data, such as the number of users who log onto the website during a given timeframe and traffic patterns on the website and individual web pages.
B. Personally Identifying Information
For individuals, personally identifying information includes such information as a person’s name, Email address, street address, phone number, driver’s license number, or billing information that can be directly associated with a specific person. As a visitor to this website you may choose to register with the website and request quotes on insurance policies. We will request specific personal information when you register with the website and when you go through the process of requesting quotes or policies for insurance products.
- Fulfill or otherwise handle your requests for service of insurance quotations and/or policies, to respond to requests from you or your legal representative, or to otherwise provide you with customer support;
- Protect ourselves from liability;
- Verify the information you provide to us;
- Prevent fraud or to protect the security and operation of our website;
- Protect the property rights or safety of QBIS, our Agents, a third party, or the public;
- Respond to a court order, subpoena or other legal process; or
- Comply with applicable laws and regulations.
If you purchase any insurance policy or other service through this website by debit or credit card, your personally identifying information, billing information and card number may be forwarded to our financial services providers, your debit or credit card provider, and other third parties to help complete transactions, respond to your requests, or for other lawful purposes that help us service or collect on your account or to otherwise serve you better.
The QBIS website permits users to select insurance products of interest, to input personal information that is reasonably necessary to obtain quotes on such insurance policies, to request quotes on insurance policies from one or more insurance providers, and to purchase an insurance policy or policies. By providing your personal information when requesting quotes for one or more an insurance policy, purchasing one or more insurance policy, or otherwise interacting with our website, you recognize and agree that QBIS or Agent may share your personally identifiable information with 1) insurance providers offering insurance policies through QBIS’s website; 2) QBIS’s or Agent’s affiliates; 3) your current insurance provider(s); and/or 4) other third parties as QBIS or Agent believes in our sole discretion are reasonably necessary to obtain the insurance quotes you have requested, to complete a transaction through which you obtain such an insurance policy or policies, or to provide other information or services you request through the website.
You further recognize and agree that such insurance providers and third parties may, pursuant to their own terms, conditions and policies, utilize, share, and/or disclose the personal information you provide in requesting insurance quotations or other related information or services.
You also agree, by submitting your personal information, that QBIS, the insurance Agents QBIS works with, and third parties as described above may, subject to applicable laws and regulations, contact you by Email, telephone, or traditional mail to provide you with a quote, to offer you other products or services that may be of interest, or deliver communications related to your request for a quote or otherwise related to your account.
C. Additional Uses of Personally Identifiable Information
We may additionally use your personally identifiable information to:
- Respond to your requests for information or services;
- Inform you of our services, special offers, changes to our products or services;
- Deliver selected or customized content to you;
- Aid in the development and improvement of our products and services; and
- Provide you with administrative communications.
D. Opting Out
If you prefer not to receive marketing Emails from QBIS, you may opt-out when you register for your account or at a later time by contacting us by Email at firstname.lastname@example.org. Please note that opting out of such information sharing, will affect future sharing only and that we will not be able to recall previously shared information from third parties or to change the way third parties contact you. Opting out in one of these ways will not affect the contact needed by QBIS or Agent in order to deliver the quotes and policies you request, to request additional information, or initiate other communications that we believe in our sole discretion are reasonably necessary to service your account. Additionally, opting out in one of these ways will not prevent communications from the insurance providers or other third parties with whom QBIS or Agent works. If you prefer not to receive marketing communications from such parties, you must follow each company’s policies, terms or conditions to decline such communications.
E. Additional Investigations
When you request quotes on insurance policies through QBIS’s website, you authorize and agree that Agent, QBIS, and/or the insurance providers responding to or evaluating your request, and/or their affiliates or third parties working at their request, may obtain additional information regarding you and your request as may be reasonably necessary to evaluate and/or respond to your request and/or to provide the requested insurance policy or policies. This additional information may include such things as your driving records, credit histories, consumer and/or credit reports, and other records customarily reviewed by insurance providers when evaluating, granting, denying, or reviewing insurance policies.
- Web Beacons
Our website and other communications with you may contain electronic images known as web beacons – sometimes also called single-pixel gifs – and permit other techniques such as Google Analytics that allow us to monitor website usage by, for example, counting the users who have visited certain pages and determining the time and date of page views. We may also include such functions in promotional Email messages, newsletters, or other electronic communications in order to determine whether messages have been opened and acted upon.
Some of these techniques may be placed by third party service providers to help determine the effectiveness of our advertising campaigns or Email communications. They may be used by such service providers to place a cookie on your computer. This allows the service provider to recognize your computer each time you visit certain pages or Emails and compile anonymous information in relation to those page views, which in turn enables us and our service providers to learn which advertisements and Emails bring you to our website and how our website is used. We use this information in the aggregate to help better serve you. We do not use beacons or any other techniques that collect or use personal information other than as explained elsewhere in this policy.
- Participating Insurance Providers, Third Parties and Linked Internet Sites
We recommend that you review the privacy statements and policies maintained by the independent insurance providers offering policies through our website, third parties with whom QBIS works, online merchants or other companies that work with us, offer goods or services through our website, or that are otherwise linked to or accessible through our website. Those policies can typically be viewed by clicking on the corresponding links within each respective website. Online merchants and others are generally encouraged to participate in industry privacy initiatives and to take a responsible attitude towards consumer privacy. However, since we do not have direct control over other companies and third parties, we are not responsible in any way for the privacy practices or contents of those websites.
- Discussions, Comments, and Public Forums
- Account Information
When you create an account on our website, we ask that you provide your Email address and create a password, and we may also ask you to provide the answer to a security question for accessing your account. You are responsible for keeping this information confidential.
The information we gather through our website is stored in databases on servers located in the United States to which only we and our hosting services are provided access, and we take reasonable security measures, such as operating through a secure webserver, and using 256-bit or other encryption measures. Nonetheless, we cannot and do not guarantee that a person or entity won’t be able to penetrate our security measures. Similarly, we cannot guarantee the security of Email transmissions over the Internet or that such information will not be intercepted while being transmitted to or from our servers.
In the unlikely event that we believe the security of your personally identifying information in our possession has been compromised, we may seek to notify you of that situation. If a notification is appropriate, we would attempt to transmit it as soon as practicable under the circumstances. To the extent we have your Email address, we may notify you by Email or by other means as required by law. You consent under this privacy agreement to our use of Email to provide any necessary notification regarding our security.
Our website is intended for use by adults over the age of 18 years. Therefore, we do not knowingly collect personal information regarding children under the age of 13, and no person under the age of 13 is authorized to provide any personal information or to use any features of our website, including those services to facilitate obtaining quotes for insurance policies as well as public discussion features, chat rooms or discussion forums that we may offer from time to time.
- Contacting Us
Any legal notice or question pertaining to this policy or the other terms and conditions governing the use of our website is to be directed to the following address:
Chief Operating Officer
QBIS Insurance Solutions, Inc.
344 20th Street, Suite 310
Oakland, California 94612