FreeInsuranceReport.com Privacy Policy
Please read the following legal notices carefully. Your use of this web site and associated services constitutes your agreement with the terms and conditions set forth below. These terms and conditions may be changed or updated at any time. You are responsible for reviewing them periodically for current information. Additional legal notices regarding specific products, services, as well as conditions, restrictions or disclosures may be described on "sub sites" within the Free Insurance Report.com main web site.
At Free Insurance Report.com your privacy is a priority. We understand that you disclose to us important information as we match you with top local insurance agents. We take that trust you have placed in us very seriously. For this reason, we have adopted the following Privacy Policy ("Policy") to advise you of your choices regarding the use of your personal information online. By accessing and using this Site, you agree to this Policy and the Terms of Service.
If we decide to change our privacy policy or our email practices, we will post those changes to this Policy, the homepage, and other places we deem appropriate so that you are aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it.
We reserve the right to modify this Policy at any time, so please review it from time to time. If we make material changes to this Policy, we will notify you here, by email, or by means of a notice on our home page.
1. How FIR works.
After you submit your quote request via this web site, Free Insurance Report.com matches you to local and national Agents and Affiliates who can meet your insurance needs. The matching Agents will use the information you provided in your quote request to generate and evaluate your insurance quote and contact you with the details. In some cases, Free Insurance Report.com does not have a matching agent based on your location and insurance needs. In this event, your information may be passed to one of our Affiliates to ensure that you receive as many competitive quotes as possible.
Free Insurance Report.com does not charge a fee to use our service. Free Insurance Report.com is paid a fee by the Agents and Affiliates who purchase insurance quote leads, such as yours, through our service.
2. Information Collected
Free Insurance Report.com collects the following personal information in our quote requests. We pass this information on to your matching agents so that they can generate competitive quotes for you. From time to time there may be additional information that may be collected that will used for quoting purposes only.
The information collected includes your name, street and e-mail address, phone number, credit card number, social security number, marital status, date of birth, gender, occupation, education level, driver's license number, prior insurance coverage, Vehicle Identification Number "VIN", make, model and number of vehicles in your household
3. Email Correspondence
Opt-In. When you take advantage of the services offered by Free Insurance Report.com, you will automatically receive commercial and promotional email messages from us to let you know about new products, services, features offered by us and participating insurance companies. We will not share your Personal Information with third parties who will send commercial email to you unless you Opt-In to receive email from them. A consumer may opt-in by visiting those third parties' sites. Any email sent by us or one of our partners will always include an opportunity to Opt-Out from receiving future email.
Opt-Out. If you do not wish to receive email from us, or our partners, you may Opt-Out by checking the opt-out box, during the Interview process. You may also opt-out by clicking on the "contact us" link in our application. Please be aware that each Quote Request is considered a new visitor session. This means that if you Opt-Out during the Quote Request you will not receive any email from Free Insurance Report.com. However, if you begin a new Quote Request at a later time, unless you Opt-Out during that session, you will receive email from us.
4. Cookies and other technical information
Cookies - a cookie is a small file stored on a user's computer that contains information about the user. We use either session ID cookies (which terminate once a browser is closed) or persistent cookies (which are small text files stored on a user's hard drive for an extended period of time). Cookies allow us to see how and when you use our sites, but they cannot be used to track personal information such as email address or phone number. Cookies also allow us to store the personal preferences that you set during each visit to our sites which can speed up your future visits.
Log files - Free Insurance Report.com uses log files to track how our sites are being accesses and used. Log files track anonymous user information such as IP addresses, browser types, Internet service providers, referring and exit pages, platform type, date and time stamps, and number of clicks to, from, and within our sites. Web logs are tracked only on Free Insurance Report.com servers and do not place anything on your computer.
Information from Banner Ads - if you arrive at Free Insurance Report.com through a banner ad, Free Insurance Report.com can track where you arrived from, as well as clicks that might have impacted our servers. This information is anonymous and cannot be used to gather personal information about you.
Session ID. We collect all end-user data based off of a session ID. This is how we organize answers to our questions. This in-house convention allows us to use an end-user's session ID to see all of the end-user input for one quote.
IP Addresses. We collect and analyze traffic on our Sites by keeping track of the IP addresses of our visitors. IP addresses are unique numeric identifiers that are assigned to each computer browser accessing the Internet. An IP address, by itself, cannot identify you personally. However, when combined with other information provided by your Internet Service Provider (ISP), your IP address can be used to identify the computer originating a message.
Some of our business partners (e.g., advertisers) use cookies on our Sites. We have no access to or control over these cookies. This Policy covers the use of cookies by Free Insurance Report.com only and does not cover the use of cookies by any advertisers. We do not use cookies in conjunction with emails.
5. Aggregate Data
We gather non personally identifiable information ("Aggregate Data") with respect to our visitors' use of the Sites to determine the extent to which our visitors use certain parts of the Sites, which, in turn, enables us to make the Sites as useful as possible. We may provide Aggregate Data about the use of our Sites with quoting aggregators, participating insurance carriers and our business partners.
6. How your information is used
A. How We Share Your Information with Agents and Affiliates
When you submit a quote request to Free Insurance Report.com, your information is used to match you with an average of five qualified, licensed agents who can best serve your insurance needs. In order to provide you with as many insurance options as possible, your information may also be transmitted to one of our Affiliates in an effort to ensure you receive as many competitive quotes as possible.
B. How we use Technical Information
Free Insurance Report.com uses technical information such as cookies and web logs to study how our sites are being used. We can also use cookies to track your preferences so that when you return to our web site, you can navigate more easily without having to re-enter certain information. By analyzing the data that cookies and web logs provide, we can determine how to improve our web sites and banner ad campaigns to better serve our customers.
C. Information used by Third Parties
• Affiliates - The information from your quote request may be transmitted to one of our Affiliates. In the event that there is not an agent in your given territory we will try to pass it along to the next closest territory. But in the event no agents are available we may pass your quote request only to Affiliates that we have an existing contractual relationship. Free Insurance Report.com only enters into Affiliate relationships with reputable companies and our contract requires they follow applicable laws and not misuse the data provided to them.
• Companies that perform information processing on our behalf - Free Insurance Report.com may contract with companies who manage our email and data systems and conduct surveys on our behalf. Your personal information is shared with these companies on a limited basis-only to the extent necessary to perform such information processing on our behalf.
• Law Enforcement - Free Insurance Report.com will share your personal information in response to law enforcement officers, government personnel, court order or subpoena. This information will only be shared in order to comply with a legal obligation, and only to the extent required by such law or court order or subpoena.
7. Disclosure Exceptions
We reserve the right to disclose your Personal Information if we are required to do so by law or we believe that such action is necessary including, without limitation:
• To comply with a legal process, such as a search warrant, subpoena or court order, state or federal law;
• To protect our company's rights and/or property;
• To investigate reports of visitors providing false or misleading information;
• To protect against misuse or unauthorized use of our Sites and/or service;
• To prevent or investigate reports of credit card fraud or unauthorized use; or
• During emergencies, such as when we believe someone's physical safety is at risk.
8. Communications Expectations
A. Free Insurance Report.com Communications
You may expect to receive confirmation emails for submitted quote request(s), newsletters, surveys, follow-up telephone inquiries, telephone solicitations, direct mail solicitations, wireless solicitations, SMS solicitations, and facsimile solicitations and courtesy communications from Free Insurance Report.com
B. Agent Communications
By submitting a quote request through Free Insurance Report.com, insurance Agents will contact you using the contact information that you provided in the quote request form. In order stop these communications, you must contact the Agents directly and request that they stop contacting you. Such communications sent directly from Agents are expressly excluded from this Privacy Policy. Free Insurance Report.com expressly disclaims all responsibility and liability for the information collection or privacy practices of Agents.
C. Third party communications
By submitting a quote request through Free Insurance Report.com or otherwise providing contact information, Affiliates and third parties may contact you using the contact information that you provided. In order stop these communications, you must contact the Affiliate(s) and/or other third parties directly and request that they stop contacting you. Such communications sent directly from Affiliates and other third parties are expressly excluded from this Privacy Policy. Free Insurance Report.com expressly disclaims all responsibility and liability for the information collection or privacy practices of such Affiliates and third parties.
9. Free Insurance Report.com is not an Insurance Agency
Free Insurance Report.com is not an insurance agency. We are a free service that connects you with the best local insurance agents. After you submit your quote request via our web site, Free Insurance Report.com immediately matches you to local agents and sends your information to them. This process happens instantly; therefore, there is not an opportunity for you to edit your original information after it's been submitted. We recommend that you communicate the needed changes directly to the agents with whom you were matched. You can find your agent(s) contact information on the users home page. This will ensure your updates are made and that the agent uses the most accurate information available to process your quote.
10. Acknowledgement
By filling out the forms and providing information about yourself on this and the following pages, you acknowledge and agree that:
• You have read, understand and agree to Free Insurance Report.com's Privacy Policy, and Free Insurance Report.com may send you electronically (via email or otherwise) any notices with respect to the Privacy Policy
• Free Insurance Report.com may provide the information you submit to third parties for the purposes of providing you information and quotes about insurance, that such third parties may contact you by the email addresses, physical address or phone numbers that you provide, and that such third parties may use your information to gather additional information about you, such as insurance or credit scores. You further agree that Free Insurance Report.com is not responsible for the third parties' compliance with any applicable law concerning telephone, e-mail, or facsimile communications with you.
• Free Insurance Report.com may contact you using the information you provide.
• You are an actual person, you have the right to provide the information you submit, and the information you submit is accurate, complete and truthful.
If you do not agree to the terms of this Privacy Notice and the Privacy Policy, then do not enter your information and do not continue with this process and do not provide your information to Free Insurance Report.com, in which case Free Insurance Report.com will not be able to have any quotes or information for insurance provided to you.