Privacy Policy

This Privacy Policy describes our policies and procedures on the collection, use and disclosure of your information when you use the Service and tells you about your privacy rights and how the law protects you. We use your Personal data to provide and improve the Service. By using the Service, you agree to the collection and use of information in accordance with this Privacy Policy.

Interpretation and Definitions

For the purposes of this Privacy Policy:

• “Consumer(s),” for the purpose of CCPA (California Consumer Privacy Act), means a natural person who is a California resident. A resident, as defined in the law, includes (1) every individual who is in California for other than a temporary or transitory purpose, and (2) every individual who is domiciled in California but outside that state for a temporary or transitory purpose.
• “Device(s)” means any device that can access the Service such as a computer, a cellphone or a digital tablet.
• “Do Not Track” (DNT) is a concept that has been promoted by US regulatory authorities, in particular the U.S. Federal Trade Commission (FTC), for the Internet industry to develop and implement a mechanism for allowing internet users to control the tracking of their online activities across websites.
• “Personal Information” or “PI,” for the purposes of CCPA, means any information that identifies, relates to, describes or is capable of being associated with, or could reasonably be linked, directly or indirectly, with you.
• “Sale,” for the purpose of CCPA, means selling, renting, releasing, disclosing, disseminating, making available, transferring, or otherwise communicating orally, in writing, or by electronic or other means, a Consumer’s PI to another business or a third party for monetary or other valuable consideration.
• “Service” refers to the Website.
• “Service Provider” means any natural or legal person who processes the data on our behalf. It refers to third-party companies or individuals employed by us to facilitate the Service, to provide the Service on our behalf, to perform tasks related to the Service or to assist us in analyzing how the Service is used.
• “Usage Data” refers to data collected automatically, either generated by the use of the Service or from the Service infrastructure itself (for example, the duration of a page visit).
• “Website” refers to planmycoverage, accessible from http://planmycoverage.com.
• The terms “we”, “us” and “our” refers to planmycoverage.com

Types of Data Collected

While using our Service, we may collect or ask you to provide us with certain information that can be used to contact or identify you. Such information may include, but is not limited to, your Device’s Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our Service that You visit, the time and date of your visit, the time spent on those pages, unique device identifiers and other diagnostic data.

When you access the Service by or through a mobile device, we may collect certain information automatically, including, but not limited to, the type of mobile device you use, your mobile device unique ID, the IP address of your mobile device, your mobile operating system, the type of mobile Internet browser you use, unique device identifiers and other diagnostic data. We may also collect information that your browser sends whenever you visit our Service or when you access the Service by or through a mobile device.

We use cookies and similar tracking technologies to track the activity on our Service and store certain information. Tracking technologies used include beacons, tags, and scripts to collect and track information and to improve and analyze our Service. The technologies we use may include:

• Cookies or Browser Cookies. A cookie is a small file placed on your Device. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some parts of our Service. Unless you have adjusted your browser setting so that it will refuse cookies, our Service may use cookies.
• Flash Cookies. Certain features of our Service may use local stored objects (or flash cookies) to collect and store information about your preferences or your activity on our Service. Flash cookies are not managed by the same browser settings as those used for browser cookies. For more information on how you can delete flash cookies, please read “Where can I change the settings for disabling, or deleting local shared objects?” available at https://helpx.adobe.com/flash-player/kb/disable-local-shared-objects-flash.html#main_Where_can_I_change_the_settings_for_disabling__or_deleting_local_shared_objects_
• Web Beacons. Certain sections of our Service may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit us, for example, to count users who have visited those pages and for other related website statistics (for example, recording the popularity of a certain section and verifying system and server integrity).

Cookies can be “persistent” or “session” cookies. Persistent cookies remain on your Device when you go offline, while session cookies are deleted as soon as you close your web browser. We use both session and persistent cookies for the purposes set out below:

• Necessary / Essential Cookies

  Type: Session Cookies

  Administered by: Us

  Purpose: These cookies are essential to provide you with the Service and to enable you to use some of its features. They help to authenticate users and prevent fraudulent use. Without these cookies, the Service cannot be provided. We only use these cookies to provide you with the Service.

• Cookies Policy / Notice Acceptance Cookies

  Type: Persistent Cookies

  Administered by: Us

  Purpose: These cookies identify if users have accepted the use of cookies on the Website.

• Functionality Cookies

  Type: Persistent Cookies

  Administered by: Us

  Purpose: These cookies allow us to remember choices you make when you use the Website, such as remembering your login details or language preference. The purpose of these cookies is to provide you with a more personal experience and to avoid you having to re-enter your preferences every time you use the Website.

For more information about the cookies we use and your choices regarding cookies, please visit the cookies section of our Privacy Policy.

Use of Your PI

We may use PI for the following purposes:

• To provide and maintain our Service, including to monitor the usage of our Service.
• To manage your use of the Service. The PI you provide can give you access to different functionalities of the Service.
• To contact you: To contact you by email, telephone calls, SMS, or other equivalent forms of electronic communication, such as a mobile application’s push notifications regarding updates or informative communications related to the functionalities, products or contracted services, including the security updates, when necessary or reasonable for their implementation.
• To provide you with news, special offers and general information about the goods, services and events which we offer, including but not limited to those goods, services and events that are similar to those about which you have already inquired (unless you have opted not to receive such information.
• To manage Your requests: To attend and manage your requests to us.
• For business transfers: We may use your information to evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which PI held by us about our Service users is among the assets transferred.
• For other purposes: We may use your information for other purposes, such as data analysis, identifying usage trends, determining the effectiveness of our promotional campaigns and to evaluate and improve our Service, products, marketing and your experience.

We may share your PI in the following situations:

• With Service Providers: We may share our PI with Service Providers to monitor and analyze the use of our Service, and/or to contact you.
• For Business Transfers: We may share or transfer your PI in connection with, or during negotiations of, any merger, sale of our assets, financing, or acquisition of all or a portion of our business to another company.
• With Affiliates: We may share your information with our affiliates, in which case we will require those affiliates to honor this Privacy Policy. Affiliates include our parent company and any other subsidiaries, joint venture partners or other companies that we control or that are under common control with us.
• With Business Partners: We may share your information with our business partners to offer you certain products, services or promotions.
• With Your Consent: We may disclose your PI for any other purpose with your consent.

Retention of Your PI

We will retain your PI only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use your PI to the extent necessary to comply with our legal obligations (for example, if we are required to retain your data to comply with applicable laws), resolve disputes, and enforce our legal agreements and policies.

We will also retain Usage Data for internal analysis purposes. Usage Data is generally retained for a shorter period of time, except when this data is used to strengthen the security or to improve the functionality of our Service, or we are legally obligated to retain this data for longer time periods.

Transfer of Your PI

Your information, including PI, is processed at our operating offices and in any other places where the parties involved in the processing are located. It means that this information may be transferred to — and maintained on — computers located outside of your state, province, country or other governmental jurisdiction where the data protection laws may differ than those from your jurisdiction.

Your consent to this Privacy Policy followed by your submission of such information represents your agreement to that transfer.

We will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy and no transfer of your PI will take place to an organization or a country unless there are adequate controls in place including the security of your data and other PI.

Disclosure of Your PI

Business Transactions: If we are involved in a merger, acquisition or asset sale, your PI may be transferred. We will provide notice before your PI is transferred and becomes subject to a different Privacy Policy.

Law enforcement: Under certain circumstances, we may be required to disclose your PI if required to do so by law or in response to valid requests by public authorities (e.g. a court or a government agency).

Other legal requirements: We may disclose your PI in the good faith belief that such action is necessary to: (1) comply with a legal obligation; (2) protect and defend our rights or property; (3) prevent or investigate possible wrongdoing in connection with the Service; (4) protect the personal safety of users of the Service or the public; and/or (5) protect against legal liability.

Security of Your PI

The security of your PI is important to us, but remember that no method of transmission over the Internet, or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your PI, we cannot guarantee its absolute security.

CCPA PRIVACY

This privacy notice section for California residents supplements the information contained in our Privacy Policy and it applies solely to all visitors, users, and others who reside in the State of California.

Categories of PI Collected

We collect information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular Consumer or Device. The following is a list of categories of PI which we may collect or may have been collected from California residents within the last twelve (12) months.

Please note that the categories and examples provided in the list below are those defined in CCPA. This does not mean that all examples of that category of PI were in fact collected by us, but reflects our good faith belief to the best of our knowledge that some of that information from the applicable category may be and may have been collected. For example, certain categories of PI would only be collected if you provided such PI directly to us.

• Category A: Identifiers. Examples: A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, driver’s license number, passport number, or other similar identifiers.

  Collected: Yes.

• Category B: Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)).

  Examples: A name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number, driver’s license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information. Some PI included in this category may overlap with other categories.

  Collected: No.

• Category C: Protected classification characteristics under California or federal law.

  Examples: Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information).

  Collected: Yes.

• Category D: Commercial information.

  Examples: Records and history of products or services purchased or considered.

  Collected: No.

• Category E: Biometric information.

  Examples: Genetic, physiological, behavioral, and biological characteristics, or activity patterns used to extract a template or other identifier or identifying information, such as, fingerprints, faceprints, and voiceprints, iris or retina scans, keystroke, gait, or other physical patterns, and sleep, health, or exercise data.

  Collected: No.

• Category F: Internet or other similar network activity.

  Examples: Interaction with our Service or advertisement.

  Collected: Yes.

• Category G: Geolocation data.

  Examples: Approximate physical location.

  Collected: Yes.

• Category H: Sensory data.

  Examples: Audio, electronic, visual, thermal, olfactory, or similar information.

  Collected: No.

• Category I: Professional or employment-related information.

  Examples: Current or past job history or performance evaluations.

  Collected: No.

• Category J: Non-public education information (per the Family Educational Rights and Privacy Act (20 U.S.C. Section 1232g, 34 C.F.R. Part 99)).

  Examples: Education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records.

  Collected: No.

• Category K: Inferences drawn from other PI.

  Examples: Profile reflecting a person’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.

  Collected: No.

Under CCPA, PI does not include:

• Publicly available information from government records.
• Deidentified or aggregated Consumer information.
• Information excluded from CCPA’s scope, such as:
  • Health or medical information covered by the Health Insurance Portability and Accountability Act of 1996 (HIPAA) and the California Confidentiality of Medical Information Act (CMIA) or clinical trial data.
  • PI covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act (FRCA), the Gramm-Leach-Bliley Act (GLBA) or California Financial Information Privacy Act (FIPA), and the Driver’s Privacy Protection Act of 1994.

Sources of PI

We obtain the categories of PI listed above from the following categories of sources:

• Directly from you. For example, from the forms you complete on our Service, preferences you express or provide through our Service.
• Indirectly from you. For example, from observing your activity on our Service.
• Automatically from you. For example, through cookies we or our Service Providers set on your Device as you navigate through our Service.
• From Service Providers. For example, third-party vendors that we use to provide the Service to you.

Use of PI for Business Purposes or Commercial Purposes

We may use or disclose PI we collect for “business purposes” or “commercial purposes” (as defined under CCPA), which may include the following examples:

• To operate our Service and provide you with our Service.
• To provide you with support and to respond to your inquiries, including to investigate and address your concerns and monitor and improve our Service.
• To fulfill or meet the reason you provided the information. For example, if you share your contact information to ask a question about our Service, we will use that PI to respond to your inquiry.
• To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations.
• As described to you when collecting your PI or as otherwise set forth in CCPA.
• For internal administrative and auditing purposes.
• To detect security incidents and protect against malicious, deceptive, fraudulent or illegal activity, including, when necessary, to prosecute those responsible for such activities.

Please note that the examples provided above are illustrative and not intended to be exhaustive. For more details on how we use this information, please refer to the “Use of Your PI” section.

If we decide to collect additional categories of PI or use the PI we collected for materially different, unrelated, or incompatible purposes we will update this Privacy Policy.

Disclosure of PI for Business Purposes or Commercial Purposes

We may use or disclose and may have used or disclosed in the last twelve (12) months the following categories of PI for business or commercial purposes:

• Category A: Identifiers.
• Category B: Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)).
• Category F: Internet or other similar network activity.

Please note that the categories listed above are those defined in CCPA. This does not mean that all examples of that category of PI were in fact disclosed, but reflects our good faith belief to the best of our knowledge that some of that information from the applicable category may be and may have been disclosed.

When we disclose PI for a business purpose or a commercial purpose, we enter a contract that describes the purpose and requires the recipient to both keep that PI confidential and not use it for any purpose except performing the contract.

Sale of PI

Please note that the categories listed below are those defined in CCPA. This does not mean that all examples of that category of PI were in fact sold, but reflects our good faith belief to the best of our knowledge that some of that information from the applicable category may be and may have been shared for value in return.

We may sell and may have sold in the last twelve (12) months the following categories of PI:

• Category A: Identifiers.
• Category B: Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)).
• Category F: Internet or other similar network activity.

Sharing of PI

We may share Your PI identified in the above categories with the following categories of third parties: Service Providers, our affiliates, our business partners; and/or third-party vendors to whom you or your agents authorize us to disclose your PI in connection with products or services we provide to you.

Sale of PI of Minors Under 16 Years of Age

We do not sell the PI of Consumers we actually know are less than 16 years of age, unless we receive affirmative authorization (the “right to opt-in”) from either the Consumer who is between 13 and 16 years of age, or the parent or guardian of a Consumer less than 13 years of age. Consumers who opt-in to the Sale of PI may opt-out of future Sales at any time. To exercise the right to opt-out, you (or your authorized representative) may submit a request to us by contacting us.

Your Rights under CCPA

The CCPA provides California residents with specific rights regarding their PI. If you are a resident of California, you have the following rights:

• The right to notice. You have the right to be notified which categories of PI are being collected and the purposes for which the PI is being used.
• The right to request. Under CCPA, you have the right to request that we disclose information to you about our collection, use, Sale, disclosure for business purposes and share of PI. Once we receive and confirm your request, we will disclose to you:
  • The categories of PI we collected about you.
  • The categories of sources for the PI we collected about you.
  • Our business or commercial purpose for collecting or selling that PI.
  • The categories of third parties with whom we share that PI.
  • The specific pieces of PI we collected about you.
  • If we sold your PI or disclosed your PI for a business purpose, we will disclose to you:
    • The categories of PI categories sold.
    • The categories of PI categories disclosed.
• The right to say no to the Sale of PI (opt-out). You have the right to direct us to not sell your PI. To submit an opt-out request please contact us.
• The right to delete PI. You have the right to request the deletion of your PI, subject to certain exceptions. Once we receive and confirm your request, we will delete (and direct our Service Providers to delete) your PI from our records, unless an exception applies. We may deny your deletion request if retaining the information is necessary for us or our Service Providers to:
  • Complete the transaction for which we collected the PI, provide a good or service that you requested, take actions reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform our contract with you.
  • Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities.
  • Debug products to identify and repair errors that impair existing intended functionality.
  • Exercise free speech, ensure the right of another Consumer to exercise their free speech rights, or exercise another right provided for by law.
  • Comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546 et. seq.).
  • Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when the information’s deletion may likely render impossible or seriously impair the research’s achievement, if you previously provided informed consent.
  • Enable solely internal uses that are reasonably aligned with Consumer expectations based on your relationship with us.
  • Comply with a legal obligation.
  • Make other internal and lawful uses of that information that are compatible with the context in which you provided it.
• The right not to be discriminated against. You have the right not to be discriminated against for exercising any of your Consumer’s rights, including by:
  • Denying goods or services to you.
  • Charging different prices or rates for goods or services, including the use of discounts or other benefits or imposing penalties.
  • Providing a different level or quality of goods or services to you.
  • Suggesting that you will receive a different price or rate for goods or services or a different level or quality of goods or services.

Exercising Your CCPA Data Protection Rights

In order to exercise any of your rights under CCPA, and if you are a California resident, you can contact us by visiting this page on our Website: http://www.planmycoverage.com/contact-us

Only you, or a person registered with the California Secretary of State that you authorize to act on your behalf, may make a verifiable request related to your PI.

Your request to us must: (1) provide sufficient information that allows us to reasonably verify you are the person about whom we collected PI or an authorized representative; and (2) describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it.

We cannot respond to your request or provide you with the required information if we cannot (1) verify your identity or authority to make the request; and (2) confirm that the PI relates to you.

We will disclose and deliver the required information free of charge within 45 days of receiving your verifiable request. The time period to provide the required information may be extended once by an additional 45 days when reasonable necessary and with prior notice.

Any disclosures we provide will only cover the 12-month period preceding the verifiable request’s receipt.

For data portability requests, we will select a format to provide your PI that is readily useable and should allow you to transmit the information from one entity to another entity without hindrance.

Do Not Sell My PI

You have the right to opt-out of the Sale of your PI. Once we receive and confirm a verifiable Consumer request from you, we will stop selling your PI. To exercise your right to opt-out, please contact us.

“DO NOT TRACK” POLICY AS REQUIRED BY CALIFORNIA ONLINE PRIVACY PROTECTION ACT (CALOPPA)

Our Service does not respond to Do Not Track signals. However, some third-party websites do keep track of your browsing activities. If you are visiting such websites, you can set your preferences in your web browser to inform websites that you do not want to be tracked. You can enable or disable DNT by visiting the preferences or settings page of your web browser.

CHILDREN’S PRIVACY

We do not knowingly collect PI from minors under the age of 16 through our Service, although certain third-party websites that we link to may do so. These third-party websites have their own terms of use and privacy policies and we encourage parents and legal guardians to monitor their children’s Internet usage and instruct their children to never provide information on other websites without their permission.

Our Service does not address anyone under the age of 13. We do not knowingly collect personally identifiable information from anyone under the age of 13.

If You are a parent or guardian and you are aware that your child has provided us with PI, please contact us. If we become aware that we have collected PI from anyone under the age of 13 without verification of parental consent, we take steps to remove that information from our servers.

YOUR CALIFORNIA PRIVACY RIGHTS (CALIFORNIA’S SHINE THE LIGHT LAW)

Under California Civil Code Section 1798 (California’s Shine the Light law), California residents with an established business relationship with us can request information once a year about sharing their PI with third parties for the third parties’ direct marketing purposes. If you’d like to request more information under the California Shine the Light law, and if you are a California resident, you can contact us using the contact information provided below.

CALIFORNIA PRIVACY RIGHTS FOR MINOR USERS (CALIFORNIA BUSINESS AND PROFESSIONS CODE SECTION 22581)

California Business and Professions Code section 22581 allow California residents under the age of 18 who are registered users of online sites, services or applications to request and obtain removal of content or information they have publicly posted. To request removal of such data, and if you are a California resident, you can contact us using the contact information provided below, and include the email address associated with your account. Be aware that your request does not guarantee complete or comprehensive removal of content or information posted online and that the law may not permit or require removal in certain circumstances.

LINKS TO OTHER WEBSITES

Our Service may contain links to other websites that are not operated by us. If you click on a third-party link, you will be directed to that third party’s site. We strongly advise you to review the Privacy Policy of every site you visit. We have no control over and assume no responsibility for the content, privacy policies or practices of any third-party sites or services.

CHANGES TO THIS PRIVACY POLICY

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page. We will let you know via email and/or a prominent notice on our Service, prior to the change becoming effective and update the “Last updated” date at the top of this Privacy Policy. You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

CONTACT US

If you have any questions about this Privacy Policy, you can contact us here: http://www.planmycoverage.com/contact-us