Privacy Policy
This Privacy Policy governs your use of this web site and any content,
products or services made available from or through this website
including any sub domains thereof ("Web Site"). The Website
is made available by ZipQuotes.net, hereafter referred to as ("Company").
By visiting this Web Site and requesting information, products
or services offered on or through this Web Site, you agree to the
terms of this Privacy Policy, as they may be amended from time to
time. As Company updates or expands its Web Site, services or products,
this Privacy Policy may change and the changes are effective upon
posting. Please check back frequently for updates as it is your
sole responsibility to be aware of changes. Company does not provide
notice of changes in any manner other than by posting the changes
at this Web Site 30 days prior to any change(s) that may go into
effect. This Privacy Policy is incorporated into, and part of, the
Web Site Terms and Conditions of use ("Terms of Use"),
which governs your use of this Web Site in general.
This Web Site is intended for users who are located in the United
States of America. The Privacy Policy shall be interpreted under
the laws of the United States.
Purpose of the Privacy Policy.
The purpose of this Policy is to describe the information collection,
use, and dissemination practices of Company, its parent, subsidiaries
and registered d/b/a companies (Collectively Referred herein after
as "Company") and all related websites owned or registered
to Company and applies to Company's collection, use, storage and
disclosure of information by Company on its (a) websites, including
all its divisions, subsidiaries and related companies (collectively,
the "Websites"), (b) on various Third Party websites,
and (c) to Company's other information collection, including the
acquisition of customer information from third parties. Company
is not responsible for the information collection or privacy practices
of third party websites or applications.
By reference, this Privacy Policy is incorporated into and is subject
to the Terms and Conditions pertaining to the use of the website.
Your use of the website and any personal information you provide
via the website or through other official Company contact remains
subject to this Privacy Policy as well as the applicable Terms and
Conditions for use of the site or services and products contained
thereon.
By providing us with your personal information on our website or
in the course of using our services, you consent to the transfer
of your Personal Data and Sensitive Personal Data, and any other
data we acquire about you from third-party service providers.
Information Collection, Use, and Dissemination practices.
This policy applies to Company's collection, use, storage and disclosure
of information by Company on ZipQuotes.net and is not intended to
cover any other sites, companies or affiliates privacy practices.
1. Collection of Information.
- User Direct Information. Each time you provide or transmit
information via the Website, Company may obtain and collect personally
identifiable information provided by you, including, but not limited
to, your name, email address, mailing address and telephone or
cell phone number(collectively referred to as "personal information").
If you choose to access our website, use our services or purchase
our products, we may require you to provide personal information
as indicated on the forms throughout the site.
- Survey Information. Company does not offer any online surveys
or contests, nor is any information you provided used for those
purposes.
- Third Party Information. Company may collect information from
you when you provide information to a third party and Company
subsequently acquires or uses the information provided by the
third party. Such information may include, but is not limited
to, your name, email address, street address, zip code, telephone
numbers (including cell phone numbers and carriers), birth date,
gender, salary range, education and marital status, occupation,
industry of employment, personal and online interests, and such
other information as the you may have provided to the third party.
When acquiring this information, Company seeks assurances from
the third party that you agreed to provide and have such information
acquired by Company. If you did not give express permission, or
you would like to remove your permission, you may suppress all
of your information.
- Other Methods of Collecting Personal Information. Other occasions
when Company obtains information from you include (1) your claiming
a prize or seeking to redeem an offer by Company or by a third
party, (2) your requests for assistance through Company's customer
service department, and (3) when you voluntarily subscribe to
a Company service.
- Cookies, Web Beacons, and Other Info Collected Using Technology.
Company currently uses cookie and web beacon technology to associate
certain Internet-related information about you with information
about you in its database. Additionally, Company may use other
new and evolving sources of information in the future.
- Cookies. "Cookies" are a feature on your browser
software. If enabled, we may write cookies that may store
small amounts of data on your computer about your visit to
any of the pages of this Site. Cookies assist us in tracking
which of our features appeal the most to you and what content
you may have viewed on past visits. When you visit this site
again, cookies can enable us to customize our content according
to your preferences. We may use cookies to: keep track of
the number of return visits to this site; accumulate and report
aggregate, statistical information on website usage; deliver
specific content to you based on your interests or past viewing
history. You can disable cookies, although the Site may not
function properly for you. Your browser preferences can be
modified to accept or reject all cookies, or request a notification
when a cookie is set. Please note that we do not associate
any personal information provided by you with the information
stored within a cookie; the purpose of the cookie is only
to provide you with an enchanced user experience. You may
read more about cookies at http://cookiecentral.com. In order
to use all of the features and functionality of Company's
websites, you need to accept cookies.
- Tracking Pixels. Company uses clear GIF Tracking pixels
to track user movement through the site for aggregated site
traffic metrics. In addition, some Company affiliates set
tracking pixels on our web pages to track completed auto loan
requests referred by their websites. This information provides
statistical usage data and is not tied to any uniquely identifying
information about you.
- Web Beacons. A web beacon is a programming code that can
be used to display an image on a web page, but can also be
used to transfer your unique user identification to a database
and associate you with previously acquired information about
an individual in a database. This allows Company to track
certain websites you visit. Web beacons are used to track
online behavioral habits for marketing purposes to determine
products or services you may be interested in.
- IP Addresses. Company automatically tracks certain information
based upon your behavior on the site, though this information
is not associated with personally identifying information
in any way. This information may include the URL that you
just came from (whether this URL is on the site or not), which
URL you next go to (whether this URL is on the site or not),
your computer browser information, and your IP address. Your
Internet Protocol ("IP") is a unique Internet "address"
which is assigned to you by your Internet Service Provider
("ISP"). For local area network ("LAN"),
DSL, or cable modem users, an IP address may be permanently
assigned to a particular computer. IP addresses are automatically
logged by Web servers, collecting information about a user's
traffic patterns. While the IP address does not identify an
individual by name, it may, with the cooperation of the ISP,
be used to locate and identify an individual using the Web.
Your IP address can, however, reveal what geographic area
you are connecting from, or which ISP you are using. Finally,
other websites you visit have IP addresses, and we may collect
the IP addresses of those websites and their pages.
- Computer Profiles. Company may also collect and accumulate
other anonymous data which will help us understand and analyze
the Internet experience of our visitors. For instance, Company
may accumulate visitor data relating to referring domain names,
the type of browsers used, operating system software, screen
resolutions, color capabilities, browser plug-ins, language
settings, cookie preferences, search engine keywords and JavaScript
enablement. When you provide us with Personal Identification
Information, we are able to use such visitor data to identify
you.
- Data Analysis. Data Analysis technology may be employed
from time to time if used by a Client of Company.
- New Technology. The use of technology on the Internet,
including cookies and web beacons, is rapidly developing.
As a result, Company strongly encourages individuals to revisit
this policy for any updates regarding its use of new technology.
- No Information Collected from Children. Company will never
knowingly collect any personal information about children under
the age of 13. If Company obtains actual knowledge that it has
collected personal information about a child under the age of
13, that information will be immediately deleted from its database.
Because it does not collect such information, Company has no such
information to use or to disclose to third parties.
- Credit Card and Checking Account Information. Company does not
collect credit card or checking account information at this time.
- Security. Company understands the importance of security for
our consumers. When applicable, we use the latest SSL (Secure
Socket Layer) encryption technology to protect data requested
by you from third-parties in some cases. This allows your request
to be submitted in a secure environment while reaching the intended
parties. An SSL-capable web browser is needed to support this
encryption technology. Netscape Navigator 4.6 or higher or Microsoft's
Internet Explorer 4.01 or higher will support SSL technology.
To verify that you are on a secure web page in Netscape Navigator,
right-click while your cursor is on the form (not the border)
and select "view Frame information" in Netscape Navigator.
To view security certificates in Internet Explorer, click Internet
Options on the View menu in the browser and then the Content tab.
In the Certificates area, click the Personal, Sites, and Publishers
buttons to view the current certificates.
2. Use of Individual Information
- General Use. The following paragraphs in Section 2 describe
how Company currently uses Individual Information, but Company
may change or broaden its use at any time. As noted below, Company
may update this policy from time to time by posting changes at
this location 30 days prior to implementation.
- Email and Unsubscribe Policy. Company uses Individual Information
to provide promotional offers by email to individuals. Company
may maintain separate email lists for different purposes. If email
recipients wish to end their email subscription from a particular
list, they need to follow the instructions at the end of each
email message to unsubscribe from the particular list.
- Company's unsubscribe process impacts only the future delivery
of electronic mailings disseminated by Company on its own
behalf.
- You should also note that unsubscribing from Company's
electronic mailings will not automatically unsubscribe the
subscriber's information from any Third Party business associates
and licensees of the data. Since Third Party associates and
licensee partners maintain separate databases from Company,
and you will need to unsubscribe from each source individually,
if desired. This allows you the freedom to pick and choose
which subscriptions to maintain and which to discontinue.
- Content of Email Messages. In certain commercial email messages
sent by Company, an Advertiser's name will appear in the "From:"
line but hitting the "Reply" button will cause a reply
email to be sent to Company. The "Subject:" line of
Company email messages will usually contain a line provided from
the Advertiser to Company or from the Company in its own promotions.
- Solicited Email. Company only sends email to individuals who
have agreed on the Websites to receive email from Company or to
individuals who have agreed on a Third Party website to receive
email from Third Parties. As such, Company does not send unsolicited
email messages. As a result, United States statutes requiring
certain formatting for unsolicited email are not applicable to
Company's email messages.
- Targeted Advertising. Company may use Individual Information
to target advertising to an individual. When an individual is
using the Internet, Company uses Technology Information to associate
an individual with that person's Individual Information, and Company
attempts to show advertising for products and services in which
the person has expressed an interest in the Surveys, indicated
an interest by means of Technology Information, and otherwise.
- Telemarketing. Company does not make use of Telemarketing services.
- Wireless Addresses. If the e-mail address you provide to Company
is a wireless e-mail address, you agree to receive messages at
such address from Company or its business associates (unless and
until you have elected not to receive such messages by following
the instructions in the unsubscribe portion of this policy). You
understand that your wireless carrier's standard rates apply to
these messages. You represent that you are the owner or authorized
user of the wireless device on which messages will be received,
and that you are authorized to approve the applicable charges.
- Short Message Service. Company does not utilize short message
service at this time.
- You acknowledge and agree that the SMS Service is provided
via wireless systems which use radios (and other means) to
transmit communications over complex networks. We do not guarantee
that your use of the SMS Service will be private or secure,
and we are not liable to you for any lack of privacy or security
you may experience. You are fully responsible for taking precautions
and providing security measures best suited for your situation
and intended use of the SMS Service. We may also access the
content of your account and wireless account with your carrier
for the purpose of identifying and resolving technical problems
and service-related complaints.
- Company may use personal information to provide the services
you've requested, including services that display customized
content and advertising. Company may also use personal information
for auditing, research and analysis to operate and improve
our technologies and services. Company may share aggregated
and non personal information with third parties business associates.
When Company uses business associates to assist Company in
processing your personal information, Company requires that
they comply with our Privacy Policy and any other appropriate
confidentiality and security measures. Company may also share
information with third parties, including but not limited
to, when complying with legal process, preventing fraud or
imminent harm, and ensuring the security of our network and
services.
- You may remove your information from Company's database.
If you remove your information from Company's database it
will no longer be used by Company for secondary purposes,
disclosed to third parties, or used by Company or third parties
to send promotional correspondence to you. You may remove
your information by sending your request in writing via email
to unsubscribe@digitalcomplianceonline.com or by sending "STOP",
"END", "QUIT" to the SMS text message
you have received.
- Use of Technology Information. Company uses Technology Information
(1) to match a person's Survey Information and Third Party List
Information to other categories of Individual Information to make
and improve profiles of individuals, (2) to track a person's online
browsing habits on the Internet, (3) to determine which areas
of Company's websites are most frequently visited. This information
helps Company to better understand the online habits of individuals
so that Company can target advertising and promotions to them.
- Profiles of Individuals. Company uses Individual Information
to make a profile of an individual. A profile can be created by
combining Survey Information and Third Party List Information
with other sources of Individual Information such as information
obtained from public databases.
- Storage of Individual Information. Company stores the Individual
Information in a database on its' computers. Our computers have
security measures (such as a firewall) in place to protect against
the loss, misuse, and alteration of the information under Company's
control. Not withstanding such measures, Company cannot guarantee
that its security measures will prevent its computers from being
illegally accessed, and the Individual Information on them stolen
or altered.
- Disclosure Pursuant to Judicial or Other Government Subpoenas,
Warrants or Orders We reserve the right to disclose your personally
identifiable information as required by law and when we believe
that disclosure is necessary to protect our rights and/or comply
with a judicial proceeding, court order, or legal process served
on our Web Site.
3. Use of Personal Information
Company may use your personal information in the following ways:
- Third Party Offers. Company may feature on its own site services
or goods it believes you to be interested in. Company does not
provide third-party service providres with any personally identifiable
information; in the event you choose to utilize goods or services
provided by a third-party, you will be transferred to their website.
- Marketing. Company will use your personal information for any
marketing and survey purpose on behalf of Company and its affiliates
and subsidiaries to send information to you about additional goods
or services that may be of interest to you. In addition, Company
will disclose your personal information to third party agents
and independent contractors to help us conduct our marketing and
survey efforts and to share with other companies in connection
with marketing efforts including but not limited to direct marketing.
You may have no relationship with these other companies.
- Co-sponsored Offerings. Company may provide an offering may
be co-sponsored by another company. In those situations, the information
we obtain from you may be shared with our co-sponsor. In those
situations, our co-sponsors will have the right to use your information
for their own purposes, in accordance with their own policies.
If you do not wish for the information we obtain from you to be
shared with our co-sponsor, then do not provide to us any Personal
Information in connection with such offering. We are not responsible
for how our co-sponsors may use your information.
- Service Providers. We may use third parties to help operate
our Web Site and deliver products and services. In the event services
of this type are used by company, no personally identifiable information
will be provided to the third-party provider without your consent.
- Aggregate Statistics. We may disclose aggregate statistics
regarding user behavior as a measure of interest in, and use of,
our Web Site and e-mails to third parties in the form of aggregate
data, such as overall patterns or demographic reports that do
not describe or identify any individual user.
- Complying with Legal Process. Company will use or disclose
your personal information in response to subpoenas, court orders,
warrants, or legal process, or to otherwise establish or exercise
our legal rights or defend against legal claims or in the event
you violate or breach an agreement with Company. Company will
use and disclose your personal information if we believe you will
harm the property or rights of Company , its owners, or those
of Company 's other customers. Finally, we will use or disclose
your personal information if we believe it is necessary to share
information in order to investigate, prevent, or take action regarding
illegal activities, suspected fraud, situations involving potential
threats to the physical safety of any person, violations of Company's
acceptable use policy, or as otherwise required by law when responding
to subpoenas, court orders and other legal processes.
- Data Summary. Company may sell or transfer non-individualized
information, such as summary or aggregated anonymous information
about all persons or sub-groups of persons.
- Third Parties. Company may provide your personal information
to third parties with whom they have a business relationship for
the purposes of securing the services and products you have requested
or provide you with additional marketing materials from which
you may choose additional products or services.
4. Privacy Practices of Third Parties.
- Advertiser cookies and web beacons. Advertising agencies, advertising
networks, and other companies who place advertisements on the
websites and on the internet generally may use their own cookies,
web beacons, and other technology to collect information about
individuals. Company does not control the use of such technology
and Company has no responsibility for the use of such technology
to gather information about you.
- Links. The websites and email messages sometimes contain hypertext
links to the websites of third parties. Company is not responsible
for the privacy practices or the content of such other websites.
Linked websites may contain links to websites maintained by third
parties. Such links are provided for your convenience and reference
only. Company does not operate or control in any respect any information,
software, products or services available on such third party websites.
The inclusion of a link to a website does not imply any endorsement
of the services or the site, its contents, or its sponsoring organization.
- Affiliations/Merger/Sale. Company further reserves the right
to disclose, transfer or sell your personal information to companies
who are affiliated with Company in Company's sole discretion.
If Company changes ownership through an acquisition, merger, sale
or other change of business status, it reserves the right to transfer
or assign the right to use your Personal Information collected
from the Website.
- Foreign use of the Website. To the extent that you are accessing
the Website while domiciled outside of the United States, you
acknowledge that the Personal Information you are providing Company
is collected and stored in the United States and therefore consent
to the transfer of information to and storage of the information
outside of your domiciled country and in the United States.
- California User Consumer Rights. In accordance with California
Civil Code Sec. 1789.3, California resident users are entitled
to know that they may file grievances and complaints with California
Department of Consumer Affairs, 400 R Street, STE 1080, Sacramento,
CA 95814; or by phone at 916-445-1254 or 800-952-5210; or by email
to dca@dca.ca.gov. For more information about protecting your
privacy, you may wish to visit: http://www.ftc.gov
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