Privacy Policy for CoverCruiser.com

Welcome to the privacy policy of CoverCruiser.com. This document outlines how we handle your Personal Information when you engage with our websites, online services, and/or applications, all under the ownership or operation of Performatica, LLC, a California LLC, and its affiliates:

- Websites currently located at Performatica.com and any other website owned by us where this Privacy Policy is linked (collectively, the "Website"); and

- Any other services, transactions, engagements, or interactions you have with us (collectively referred to as "Services").

This Privacy Policy explains our data collection practices, how we use or share such information, how to exercise your rights regarding your Personal Information, including opt-out options, and the measures we take to protect your data from unauthorized access.

Please read this Privacy Policy carefully before using our Website and/or Services. If you do not agree with our Terms of Use or this Privacy Policy, please refrain from using our Website and/or Services. By accessing or using our Website/Services, you consent to our use of your information as outlined in our Terms of Use and this Privacy Policy.

1. SERVICE DISCLAIMER

We are not an insurance provider or an agent. We assist in connecting individuals and businesses with potential insurance product providers. We do not charge for submitting insurance inquiries through our Website/Services; instead, we receive a commission from the companies with which we connect potential customers, such as insurance agents, insurers, and third-party insurance service websites (collectively, “Insurance Services”).

2. PRIVACY POLICY UPDATES

This Privacy Policy may be updated. We encourage you to check this policy regularly for any revisions. Changes will be posted on the Website and will take effect immediately. Continued use of our Website or Services after such changes will be considered as your acceptance of the changes.

3. DATA WE COLLECT

a. Personal Information

When you visit our website, we automatically collect Personally Identifiable Information (PII) about your hardware and software. This includes:

- IP address - Browser type - Domain names - Internet Service Provider (ISP) - Files viewed on our site (e.g., HTML pages, graphics, etc.) - Operating system - Clickstream data - Access times - Referring website addresses

We use this data to generate general statistics regarding the use of our Websites. We might link this automatically-collected data to other Personal Information like your name, email address, address, and phone number for these purposes.

We collect information that personally identifies, relates to, describes, or can be associated with you ("Personal Information"), including:

This information can be provided to us by you through our websites or webforms and/or information we collect automatically when you interact with our websites and webforms.

Inferences drawn from these categories of Personal Information that relate to your preferences, characteristics, behavior, attitudes, intelligence, abilities, and aptitudes.

The categories of Personal Information we collect about you might vary based on how you use the Website and/or Services and your role in the insurance marketplace (e.g., consumer, agent, insurer).

We might use your information for automated decision making to provide the best service possible.

b. Notice on Consumer Reports

In some instances, insurance agents, insurers, and Insurance Services might need to obtain additional background information about you. This could include consumer reports (including credit reports) relevant to your insurance application. These reports provide details that could influence your eligibility for insurance and the pricing. Consumer reports might also be used for policy updates, renewals, or extensions. Insurance companies might also use a credit-based insurance score based on your consumer report. By providing information to us for insurance quotes, you consent to our sharing your Personal Information with insurance agents, insurers, Insurance Services, and their third-party service providers for obtaining and using consumer reports as described.

c. Usage Data

We automatically gather information concerning the actions you take on the Website and when using the Services ("Usage Data"). For example:

- Each visit to the Website logs your IP address, web browser type, device's operating system, Internet Service Provider, pages viewed, referring and exit pages, date and time of visit, and number of clicks to, from, and within the Website. This information helps us enhance the performance and functionality of our Website and Services, and to understand how individuals interact with our Website and Services. If this information can be linked to you, we treat it as Personal Information. If not, we treat it as Usage Data.

d. Call Recordings

We and/or our Service Providers might record all phone calls and retain the content of all text messages or other written/electronic communications between you and us or our Service Provider, regardless of who initiates the communication. By communicating with us, you consent to such recording and retention.

e. Session Monitoring

We and/or our Service Providers might monitor, record, and retain the content of all activity, clicks, and keystrokes on our owned and affiliated websites for informational and quality control purposes. By continuing to interact with our website, you consent to such monitoring and retention.

4. HOW WE COLLECT DATA

a. Voluntary Submission

We might request that you provide us with Personal Information when you register with the Website/Services, submit an inquiry form, complete a survey, communicate with us (online or offline), sign-up for a newsletter, or engage in other interactions with us. Providing this information is optional; however, if you choose not to, you might not be able to use certain features of the Website or Services, or we might not be able to fulfill your requested interaction.

b. External Data Sources

We collect Personal Information from third-party sources such as insurance agents, insurers, Insurance Services, consumer reporting companies, and data brokerage companies. This information might be combined with Personal Information we've already collected from or about you.

c. Cookies and Other Technologies

We employ cookies (a small text file placed on your computer to identify your computer and browser) to enhance your experience of the Website and Services, like saving your preferences from visit to visit to present you with a customized version of the Website. While most web browsers are initially set to accept cookies, you can reset your browser to refuse all cookies or to notify you when a cookie is being sent. However, some features of the Website or Services might not function properly if cookies are disabled.

We use the following types of cookies:

- Session Cookies – These are temporary cookies that expire at the end of a browser session.

- Persistent Cookies – These remain on your computer for a set period or until you delete them.

- First-Party Cookies – Set by the website you are visiting.

- Third-Party Cookies – Set by third-party services like Google, Facebook, Twitter, or LinkedIn.

Depending on the context, we might use cookies to collect Personal Information, Usage Data, or both.

Some cookies may be set by third parties such as Google, Facebook, Twitter, or LinkedIn. Personal Information collected by these third-party cookies is governed by each third-party's privacy policy.

Your acceptance of cookies is not required for accessing our website.

Managing Cookies

Most internet browsers accept cookies automatically. If you prefer not to have cookies set, you can configure your browser to:

- Notify you when cookies are being set, allowing you to approve or reject them on a case-by-case basis;

- Reject some or all cookies;

- Automatically delete cookies when the browser is closed.

In addition, you can delete cookies that have already been set through your browser settings or other software programs.

Opt-Out of Online Tracking

If you choose to opt out of the collection and use of information via cookies and other tracking technologies, you might still see advertising displayed by networks from which you have not opted out. Also, opting out will not prevent any advertising network from showing advertising that is not customized to you, which might be less relevant. You will need to make these choices on each browser and device you use to access our websites and webforms.

Do Not Track

Some web browsers may transmit "do not track" signals. Given the varying interpretations of these features by browsers, we do not respond to such signals.

d. Online Behavioral Advertising

We might collaborate with third-party advertisers, search providers, and ad networks ("Advertisers") to learn more about you and show you ads or content that we believe would be relevant to you. These companies might collect and use information about your interaction with the Website, Services, as well as other websites and services. They may use cookies and other online tracking technologies to gather and use your information. We and/or Advertisers might also combine this data with other data to create an interest profile. We aim to anonymize this data, but there is a possibility that we might collect or use Personal Information as part of our online behavioral advertising activities. Our Privacy Policy does not cover any use of information by an Advertiser. Ads can be shown via the Website, the Services, or on third-party websites. You can visit the Network Advertising Initiative website at www.networkadvertising.org or the Digital Advertising Alliance's website at www.digitaladvertisingalliance.org to learn more about Internet advertising companies and how to opt out of their information collection.

e. Advertisements and Insurance Services Data

If you visit our Website through an advertisement (e.g., banner ad) or an Insurance Service, we might collect information regarding the advertisement or Insurance Service with which you interacted and your interactions (e.g., item clicked, date, and time).

f. Tracking Technologies

We use various software technologies to track certain aspects of your visit to the Website. These technologies help us better manage content on the Website by informing us what content is effective, how users engage with the Website, and how users arrive at and/or depart from the Website. Commonly used methods include:

- "Tracking Pixels" – Small pieces of executable code embedded in web pages that track usage activity like pages viewed, time spent, and frequency of visits.

- "Clear GIFs" – Tiny, transparent graphics with unique identifiers embedded in web pages and email messages that track whether or not a user has viewed a particular page or message.

g. Google Analytics Advertising Features

We utilize certain Google Analytics tools to enhance the Website experience for our users, but also to aggregate the characteristics and browsing habits of our users, on an anonymized basis, to provide products and services that are better tailored to our users.

h. Social Media Features

The Website might include social media features like the Facebook, YouTube, LinkedIn, and Twitter widgets. These features might collect information about your IP address and the pages you visit on our Website, as well as other Personal Information. A cookie might be set to ensure that the feature functions properly. Your interactions with social media features are governed by the privacy policies of the companies providing them.

5. HOW WE USE AND SHARE INFORMATION

a. Generally

We use Personal Information for internal purposes, such as:

- Providing our Services

- Verifying your identity

- Fulfilling your requests

- Responding to your inquiries

- Maintaining, customizing, and improving our Website and Services

- Understanding user preferences, behaviors, and trends for better service delivery

- Communicating with you about our products, services, promotions, events, etc.

- Detecting and preventing fraud or other unauthorized or illegal activities

- Complying with legal obligations

b. Testimonials

If you provide a testimonial, we might post it publicly on the Website or use it in marketing materials. By providing a testimonial, you grant us permission to use it for any purpose related to our business, including marketing and advertising, without compensation.

c. Service Providers

We might engage with trusted businesses to provide specific services:

- Data Analysis: To gain insights into user behavior.

- Marketing and Advertising: To promote our Services and those of our partners.

- Security: To ensure the safety and integrity of our Services and your Personal Information.

- Customer Support: To assist in handling inquiries and providing support.

- Payment Processing: To facilitate transactions.

We only share the information necessary for these Service Providers to perform their services on our behalf. We require each Service Provider to implement reasonable security measures to protect your Personal Information from unauthorized access, use, or disclosure. They are prohibited from using Personal Information for any other purpose than as specified by us. We share the following categories of Personal Information with one or more Service Providers: personal identifiers, protected classifications, contact information, commercial information, financial account information, consumer reports, internet or other electronic network activity, professional or employment-related information, education information, health information, and inferences drawn from the above categories of Personal Information that relate to your preferences, characteristics, behavior, attitudes, intelligence, abilities, and aptitudes.

d. Third-Party Sharing

We might share your Personal Information with third-party companies interested in advertising, marketing products or services to you, or providing you with special offers and opportunities. For example:

We might share your Personal Information with third-party companies interested in advertising, marketing products or services to you, or providing you with special offers and opportunities. For example:

- We might share your Personal Information with insurance agents who might offer the insurance products you're interested in or with Insurance Services that can present additional insurance options.

In the last 12 months, we have shared the following types of Personal Information with one or more third-party companies for their marketing purposes:

- Personal Identifiers - Protected Classifications - Contact Information - Commercial Information - Financial Account Information - Consumer Reports - Internet or Other Electronic Network Activity - Professional or Employment-Related Information - Education Information - Health Information - Inferences drawn from the above categories.

The information we share with advertisers and other third parties, as well as the information you provide directly to these parties, is subject to each third party's privacy policy. Please review each third party's policy to understand their data collection practices and your options for managing how they use your Personal Information. Note that an advertiser might retain the information we share with them, whether or not you elect to purchase their services. Our agreements with these advertisers and third parties require them to secure any personal information we provide, limit how they use it, and comply with applicable privacy laws.

e. Email Marketing

We might use your Personal Information to send marketing emails about products or services that might interest you or to provide special offers and opportunities. You can opt out of these communications via a link in the footer of all commercial emails or by contacting us directly.

6. DATA SECURITY

We understand the importance of protecting your Personal Information. Therefore, we implement commercially reasonable administrative, technical, and physical safeguards to protect your Personal Information from unauthorized access, disclosure, and use. While we strive to secure your data, no internet or network transmission can be guaranteed 100% secure. Consequently, while we work to protect your information, we cannot ensure the security of any information you or we transmit over our Website or through our Services. You acknowledge the inherent risks of transmitting data over the internet.

7. PUBLIC AREAS

Our Website and/or Services might include interactive features like blogs, forums, message boards, or other public-facing message systems. If you participate in these features, your comments, including any Personal Information you share, become visible to other users and the public. Performatica, LLC is not responsible for the Personal Information you choose to disclose through these platforms or for any consequences that result from such disclosures.

We reserve the right to remove any comments or posts from these features if we believe, in our sole discretion, they constitute defamation or inappropriate content.

8. THIRD-PARTY WEBSITES

Please be aware that third-party websites linked from our Website or Services may have their own privacy and data collection policies and practices. Performatica, LLC is not responsible for any actions, content of websites, or privacy policies of such third parties. You should review the applicable privacy policies of those third parties when providing information through linked websites.

9. COMPLIANCE WITH LAWS AND LAW ENFORCEMENT

We cooperate with government and law enforcement officials and private parties to enforce and comply with the law. We may disclose Personal Information, Usage Data, and any other information about you to government or law enforcement officials or private parties if, in our sole discretion, we believe it is necessary or appropriate to respond to legal requests (including court orders, investigative demands, and subpoenas), to protect the safety, property, or rights of ourselves, users, or any other third party, to prevent or stop any illegal, unethical, or legally actionable activity, or to comply with the law.

10. INFORMATION TRANSFERS

We might share your Personal Information and Usage Data with businesses that have control over, are controlled by, or are under common control with Performatica, LLC. Should our company undergo a merger, acquisition, or sale, or in the event of a transfer of some or all of our assets, we may disclose or transfer your Personal Information and Usage Data in connection with such a transaction.

11. DATA RETENTION

We retain your Personal Information for the duration of our relationship with you and for a period afterward where there is a legitimate business need to do so. This includes retention to comply with legal, regulatory, tax, and/or accounting obligations. Generally, we keep your Personal Information until you request its deletion, or as required by law and our internal data retention policies.

12. CHILDREN'S PRIVACY

Our Website is not intended for individuals under 18 years of age, and we do not knowingly collect Personal Information from children under 18. If we discover that we have inadvertently received Personal Information from a child under 18, we will promptly delete such information from our records.

13. OPT-OUT OPTIONS

You have the right to opt out of receiving marketing communications from us by emailing us at hello@performaticaconverts.com. If you opt out, you will still receive transactional messages, such as responses to your inquiries. If you opt out of marketing from our business partners with whom we've shared your information, you will still receive marketing from us and any other business partners with whom your data was shared. If you do not wish us to track your location, you can turn off GPS location or push notifications on your device through your local settings.

14. CONTACT US

If you have any questions about our Website, Services, or this Privacy Policy, please email us at service@Performatica.com. You may also send us a letter to the following address:

Performatica, LLC

Attn: Privacy Dept.

3400 Cottage Way Ste G2 #23992

Sacramento, CA 95825

15. EUROPEAN VISITORS

For visitors from the European Economic Area (EEA) in connection with the General Data Protection Regulation (GDPR), we limit the use of cookies and similar technologies for those from the EEA. Specifically:

If you visit a third-party site that uses our services, we will not place any cookies on your device unless you have provided your consent and were provided with notice of our privacy practices and your ability to opt-out at any time.

We will not seek your consent to use cookies in this instance, though the advertiser or their website publisher may do so.

If you visit one of our websites, we will only place limited third-party cookies, such as those made available for analytics purposes by Google and Bing. In this case, we will only add these after you indicate your consent. If you do not consent, then no cookies will be written to your device.

If you do not consent or opt out, you will still be able to use our websites, but certain functionality may be limited. To enable this feature, we use third-party tools to determine your geographic location; if these tools indicate that you are in the EEA, then we treat your visit as above. If you feel that you are subject to GDPR, but we have nonetheless used cookies in connection with your visit without consent (which may be due to a failure of the third party geolocation tools, your use of a proxy server, your location outside of the EEA at the time of your visit, or some other factor beyond our control) please notify us at hello@performaticaconverts.com and make sure to include any relevant details so that we can ensure proper treatment of your data under GDPR.

16. ADDITIONAL RIGHTS FOR CALIFORNIA RESIDENTS

The California Consumer Privacy Act (CCPA) provides California residents with rights to access, delete, and opt out of the sale of their Personal Information. This section outlines these rights:

a. Right to Know

You have the right to request that we disclose to you (i) the categories and/or specific pieces of Personal Information we collected about you; (ii) the sources from which we obtained your Personal Information; (iii) the purpose for which we collected your Personal Information; and (iv) the categories of third parties with whom we shared your Personal Information. If we sold or disclosed your Personal Information to third parties, you also have the right to request that we provide you (i) the categories of Personal Information we collected about you; (ii) the categories of your Personal Information we sold to third parties; (iii) the categories of third parties to whom we sold your Personal Information; and (iv) the categories of your Personal Information we disclosed to third parties.

Please note that we are not required to provide access to specific pieces of Personal Information if doing so would pose a risk or if the information is sensitive, such as financial account information, health information, social security numbers, or driver’s license numbers. We will inform you if we withhold specific personal information due to its sensitivity or risk.

Categories of Information Collected, Disclosed or Sold in the Past 12 Months

The below table discloses the categories of Personal Information that we have collected in the past 12 months from the effective date of this Privacy Policy. For each category of Personal Information, the table identifies:

Whether we have sold to a third party, or disclosed for a business purpose, the category of Personal Information; and the categories of third parties to whom the information was disclosed or sold. The table does not include Personal Information provided to us by partners or other customers in a business-to-business context.

b. Right to Deletion

You have the right to request that we delete any Personal Information we have collected about you. We are not required to honor a deletion request if we need the information to complete a transaction, prevent security incidents, comply with legal obligations, or perform other permitted functions.

c. Exercising Your Rights to Know and Deletion

To exercise your rights to know and deletion, you can contact us at hello@performaticaconverts.com or complete the form on our CCPA Request Page. Please be specific in your request and provide sufficient information for us to locate your Personal Information in our systems. We will retain a record of your request, including a deletion request, in accordance with the law. Additional information about our response timeframe and identity verification is available on our CCPA Request Page.

d. Right to Opt Out, Correct Inaccuracies

You have the right to direct us not to sell your Personal Information to third parties. You may exercise your Right to Opt Out by emailing us at hello@performaticaconverts.com or completing the form on our CCPA Request Page. Please provide sufficient information to allow us to locate your Personal Information in our systems.

Please contact us at hello@performaticaconverts.com if you would like to request access to the PII that we have collected online from you, or to correct factual errors in such information.

e. Non-Discrimination Notice

We will not discriminate against you for exercising your rights under the CCPA or this Privacy Policy.

f. California "Do Not Track" Disclosure

Do Not Track is a web browser privacy preference that causes the web browser to broadcast a signal to websites requesting that a user’s activity not be tracked. At this time, our Website and Services do not respond to “do not track” signals.

g. California Website Ownership Disclosure

Under California Civil Code Section 1789.3, California residents are entitled to the following information: The provider of the Website is Performatica, LLC, 3400 Cottage Way Ste G2 #23992, Sacramento, CA 95825. To file a complaint regarding the Website or to receive further information, please contact us. You may also contact the Complaint Assistance Unit of the Division of Consumer Services of the Department of Consumer Affairs in writing at 1625 North Market Blvd., Suite N 112, Sacramento, California 95834 or by telephone at (800) 952-5210.

h. Right to Non-Discrimination

Should you wish to exercise your rights as a resident of California, we will not discriminate against you by showing you different products or services based solely upon your request. Please note, however, if advertisers require additional data or information from you before providing quotes, rates, or other information, exercising your California rights may limit the number and variety of advertisers who are displayed in response to your request.

i. Do Not Sell My Personal Information

Some of our sharing activities might be considered a “sale” of personal information under California law. For example, when we share information we collected automatically with advertisers to create consumer profiles. Subject to certain exceptions, as a California resident, you may opt-out of the “sale” of your personal information at any time by taking the following actions:

j. Shine the Light

California residents may, no more than once per calendar year, request information from us about our disclosure of certain categories of personal information to third parties for direct marketing purposes. Please submit your request to us through our Privacy Center and select the “Shine the Light Request” option from the drop-down menu. We will provide you within 30 days of receiving your request, a list of the categories of personal information disclosed to third parties for direct marketing purposes during the immediately preceding calendar year and the names and addresses of the third parties.

k. Minors

Visitors under 16 years of age are not permitted to use or submit their personal information on our Website. We do not knowingly solicit or collect information from visitors under 16. We encourage parents and guardians to spend time online with their children and to participate in and monitor their interactive activities. The CCPA and Children's Online Privacy Protection Act impose certain requirements on website operators that have actual knowledge that they collect personally identifiable information from children under 13. If we learn that personally identifiable information of persons less than 13 has been collected without verifiable parental consent, we will take the necessary steps to delete this information.

17. NEVADA RESIDENTS

Subject to certain exceptions, some of our data sharing practices might be considered a “sale” of your personal information under Nevada Revised Statutes 603A. Nevada residents may opt-out of the “sale” of personal information covered under the statute by exercising your cookie consent options as detailed in Cookies and Other Technologies or by submitting your request through our Do Not Sell My Personal Information form or email us at hello@performaticaconverts.com.

18. DATA RETENTION

We will retain your Personal Data only for as long as necessary for the purposes outlined in this Privacy Policy, to comply with our legal obligations, resolve disputes, and enforce our legal agreements and policies. We will also retain Usage Data for internal analysis purposes.

Last Updated: 12/02/2024