PRIVACY STATEMENT OF ZIZIAN & ASSOCIATES LLC
(ii) to those individuals who inquire through Our Site to receive a quotation and/or purchase MSAI coverage on their own.
We do not record, store or view any of the information you may enter into an application for insurance through Our Site. In order to input your personal information, you are required to click on the “Enter” button. By clicking on the enter button you are leaving Our Site and are being transferred to the site of the insurance company and/or their licensed underwriting agent and claims administrator (collectively “Insurer”).
The Chat function provided to assist you through the application process within the Quoter Box is resident on the Insurer’s site and is a functionality of the Insurer’s site. Information you may supply during a Chat session is not resident on Our Site server.
Respect for Your Privacy
Your privacy is very important to us. Unless We have your consent, We will not disclose your personally identifiable information to third parties for their marketing purposes.
Minors (persons under the age of 13) are not eligible to use this Site unsupervised. We ask that they do not submit any personal information to us. You may only use this Site under the supervision of your parents or guardians if you under the age of 13.
The only data We collect on our site is the email address you used to sign on to our site is your email address to provide a safe, smooth, efficient, customized, and enjoyable experience using the Site.
In general, you can browse Our Site and review and download documents without telling us who you are or revealing any personal information. But, once you “Click Enter” and give the Insurer your personal information, you are no longer anonymous. If you choose to apply for coverage, the Insurer will require you to provide contact, identity, and other personal information as indicated on the Insurer’s application and other forms. The Insurer receives and stores any information you enter through their Quoter Box and/or give to them in any other manner. The Insurer site application form will indicate which fields are required and which fields are optional. You are always free to withhold information by not using a particular service or feature.
We automatically track email addresses entered to access our Site. We employ this information to do internal research on our users’ demographics, interests, and behavior to better understand, protect, and serve you and our community. This information may include the URL that you just came from (whether this URL is on the Site or not), which URL you go to next (whether this URL is on the Site or not), your computer browser information, and your IP address. We may also track: the date and time the request was received, the proxy address of your Internet Service Provider (e.g. AOL, Yahoo and so on), the name and IP address of Our server that received and logged the request, the resource on a Our server that was accessed as a result of the request, such as the Web page, image and so on, the query in the request including any criteria or parameters issued with a query, the name and version of your Web browser (e.g. Microsoft Explorer 7.0), the content of any sent or received “cookie,” that may come from an outside address that is not related to Our server, other status codes and values resulting from the Web server responding to the request received: HTTP status code, Windows NT code, number of bytes sent, number of bytes received, duration (in seconds) to fulfill the request, server port number addressed, and protocol version.
We use “cookies” to help analyze our Web page flow, measure promotional effectiveness, and promote trust and safety. Cookies also help us provide information that matches your interests. You can always decline our cookies if your browser permits. This means, though, that you may not be able to use certain features on the Site.
If you choose to post messages in our discussion contact/ message areas, or if you want to leave feedback for other users, We will collect that information. We may retain this information to resolve disputes, provide customer support, and troubleshoot problems as permitted by law.
Other than the automatic information collection described above, our insurance underwriters may collect certain personal information that you knowingly and voluntarily provide to them via the insurance application process in order to receive an insurance quote or purchase an insurance policy. The information you supply Our Insurer is maintained by the Insurer for the purpose of processing your request or inquiry. Confidentiality and security of your information is Our and their top priority.
When purchasing a policy, your information is transmitted through the Insurer’s Quoter Box solely for the purpose of receiving a quotation and or purchasing insurance. Confirmation of your purchase will be sent to the email address you provide in the application form by the Insurer or their licensed agent/administrator.
This email address may be used for other related communications from us. Your email address will not be shared with any other party, other than the Insurer from whom you purchased coverage or its authorized representatives.
We use the information collected for internal system administrative purposes such as: to measure the volume of requests; specific Website pages visited; and to improve the site so as to be more responsive to user needs, etc. Your decision to use our Website will be considered your consent for us to use information collected as stated in this notice.
If you send us personal correspondence, such as emails or letters, or if other users or third parties send us correspondence about your activities or postings on the Site, We may collect this information in a file specific to you. We may receive information about you from other sources and add it to your account information.
Using your information
Our Insurer may use your personal information to deliver the services you request and in the file they maintain about you. This information may be used, for example, to provide you claims service; complete a purchase transaction you have requested; resolve disputes; troubleshoot problems; measure consumer interest in our products and services; inform you about online and offline offers, products, services, and updates; customize your experience; detect and protect us against error, fraud and other criminal activity; enforce our or their User Agreement; and in other ways We will describe at the time of collection.
We may obtain your information from Our Insurer and use some of your personal information to improve our marketing and promotional efforts; analyze Site usage; improve our content and product offerings; and customize the Site’s content, layout, and services. The aim here is always to improve the Site and tailor it to better meet your needs.
We may also use your personal information to contact you and deliver information that, in some cases, is targeted to your interests, such as administrative notices, product offerings, and communications relevant to your use of the Site, or purchase of insurance products.
Sharing Your Information
We will never disclose any of your personally identifiable information to third parties for their marketing purposes without your consent. To provide our services, however, We may disclose information to the following people:
- Insurance Companies. Your purchase of an insurance policy, and the information you provide on the enrollment form is shared by the Insurer with Us. This is used to issue the policy, and is also used to manage and process claims. We may also consolidate sales statistics about Our customers to share with Our other insurance partners, but will never disclose personally identifiable information to third parties without your consent.
- Advertisers. We compile data from all users and share this information with advertisers and other third parties for their marketing and promotional purposes. However, in these situations, We do not disclose any information that could be used to identify you or your contact information personally.
- Our Clientele. Since your User ID is displayed if you leave comments on the site, it is available to the public and all your site activities can be traced to it. If you associate your name with your User ID, people will be able to identify your site activities as yours. In this case, others may illegally attempt to automatically collect your information from these comments. We cannot guarantee that your information will not be accessed by such bad actors.
- Internal Service Providers for Our or Our Insurer’s Operations. We may use third parties or “internal service providers” to manage one or more aspects of Our business, product, and service operations (such as search technology, discussion boards, payment collection, affiliate programs, fulfillment, marketing, claims reporting, or customer service). As a result, We may provide some of your personal information directly to these people and organizations. They are subject to confidentiality agreements with us and other legal restrictions that prohibit them from using the information We provide them for any reason except to manage the specific outsourced operation. This is binding unless you have explicitly given your prior permission to them to use this information in some other way.
- Affiliated Corporate Entities. We may share much of Our data, including personal information about you, with Our subsidiaries and joint venture partners committed to serving your online needs and providing related services. These organizations follow privacy practices as rigorous as Ours and will use the information they receive only to improve the products and services they offer you through us. In the event Zizian & Associates merges with another company or is acquired, We may provide your information to such company.
Law Enforcement. We cooperate with law enforcement inquiries as well as other third parties to enforce laws such as intellectual property rights, copyright laws, criminal laws and fraud. So, in response to a verified request by law enforcement or other government officials relating to a criminal investigation or alleged illegal activity, We can disclose your name, city, state, telephone number, email address, user history, fraud complaints, without a subpoena, and without advance notice to you.
To respect your privacy and keep the community free from bad actors, We will not otherwise disclose your personal information to law enforcement or other government officials without a subpoena, court order, or similar legal procedure. (The only exception is when We believe in good faith that the disclosure of information is necessary to prevent imminent physical harm or financial loss or to report suspected illegal activity.)
Your Use of Others’ Information
Under no circumstances can you disclose personal information about another user to any third party without Our consent and the consent of that user. You agree that other users may use your personal information to communicate with you in accordance with Our guidelines. Note that law enforcement personnel and other rights holders have different rights with respect to the information they access.
We do not tolerate spam. As a result, you may not add a user to your mailing list (email or physical mail) without their consent. You may not add comments to Our site that promote products without Our permission.
You may not use the “Email-to-a-Friend” service or other email services We offer to send spam or other content that would violate Our User Agreement. We do not permanently store email messages or the email addresses sent from these tools.
Unless stated otherwise, this Privacy Statement only addresses the use and disclosure of information We collect from you. If you disclose information to other parties, different rules may apply to their use or disclosure. Since We do not control the privacy policies of third parties, you are subject to the privacy policies of that third party. We encourage you to ask questions before disclosing your personal information to others.
Our Insurer stores your information on their servers located in the United States of America. They use procedural and technical safeguards to protect your personal information against loss or theft. And they use unauthorized access and disclosure safeguards to protect your privacy such as encryption, firewalls and secure socket layers. We and they treat data as an asset that must be protected against loss and unauthorized access. We and Our Insurer employ many different security techniques to protect this data from unauthorized access by users inside and outside the company. However, “perfect security” does not exist on the Internet. Your credit card and personal information is treated with the utmost confidentiality and security. All purchase transactions are via a secure server, employing Secure Socket Layer (SSL) technology utilized by most popular browsers including Internet Explorer, Safari and Firefox. This technology uses advanced encryption tools to protect your personal information when transmitted between your computer and Our server. As an added layer of security.
Changes to the Policy Statement
Internet technology is rapidly developing, and We need to maintain Our flexibility to provide you with the best possible service. Our privacy policies and practices may be amended to reflect changes in law or corporate policies. We will notify you of any such changes by posting the revised policy on Our website. Your continued use of Our website, products or services following any such change shall constitute acceptance of the revise policy.