Last revised: April 3, 2009
9041 S. Pecos Rd. Ste 4200
Henderson, Nevada 89074
Member Accounts and Applications- In order to use certain features of the Website you will have to create an account ("Member Account"). You may never use another person's Member Account without permission. You are solely responsible for the activity that occurs on your account, and you must keep your password secure. You must notify us immediately of any breach of security or unauthorized use of your account. Although we will not be liable for any losses caused by any unauthorized use of your account, you may be liable for our losses or the losses of others due to such unauthorized use. Generally, we will try to limit the information we request from you in order to create a Member Account to non-personally identifiable information, however, in order to complete certain purchases of insurance products ("Applications"), we may from time to time also ask for, and require, certain personally identifiable information ("Personal Information"), and/or health and medical information relating to you and any family member you wish to include on your Application (together with Personal Information, "Application Information"). In compliance with COPPA and other applicable laws, it is our policy to require only the information necessary for the specific Application that you request; we do not condition your participation in any specific activity on our Website, including an Application, on the disclosure of more information than is reasonably necessary to complete such that specific activity and/or Application. Any Application Information you provide will be used only in connection with the Applications you designate and will be shared with the insurance company, agent or HSA trustee or administrator that you select. In addition, your selected insurance company, agent or HSA trustee or administrator may request that you provide credit card or bank information to process your Application ("Payment Data"). In such instance, our Website provides a channel through which you provide your Payment Data directly to such selected insurance company, agent or HSA trustee or administrator; we do not store, access, process or transmit such Payment Data on your behalf.
Usage Information- Our Website may also use certain web technologies such as "cookies" to track your use of our Website ("Usage Information"). Your browser may have an option that allows you to reject cookies, but doing so may limit your use of our Website. Usage Information is anonymous and does not personally identify you. In addition, we may use web beacons (also known as 'action tags' or 'one pixel.gif files'), provided by our advertising serving partner, to measure the effectiveness of, and otherwise manage, our online advertising. These web beacons enable our advertising server to recognize you when you visit the Website and to determine which banner ads bring users to the Website. We do not use spyware, adware or any other similarly intrusive software.
Use of Information Collected- If you are over the age of 18, we may use your Personal Information to contact you, respond to your inquiries, and send you other information we think you may be of interest to you, such as special offers or to notify you of important new changes to our Website. If you are under 18 years of age, we will only use your Personal Information to provide you with the services and/or information that your legal parent or guardian has specifically requested including to process any Application. Regardless of your age, we may use Usage Information to analyze, manage and improve our Website or to help us diagnose problems with our server or other technical issues relating to the performance of our Website.
Warning: any personal information (e.g., name, email address, personal photographs) that you voluntarily disclose on any bulletin board, message board or on any other community forum offered on the Website may be collected and used by parties other than InsureMonkey and may result in unsolicited messages from other parties. WE EXPRESSLY PROHIBIT THE POSTING OF ANY PERSONAL INFORMATION ANYWHERE ON OUR WEBSITE, including on any message board related to any child under the age of 18. IF YOU BELIEVE THAT ANY CHILD UNDER THE AGE OF 18 HAS POSTED ANY PERSONAL INFORMATION ANYWHERE ON OUR WEBSITE or if any person has posted personal information belonging to any child under the age of 18 on our website, PLEASE CONTACT US IMMEDIATELY ATCOMPLIANCE@insuremonkey.COM AND PROVIDE AS MUCH INFORMATION AS YOU CAN TO HELP US LOCATE AND DELETE THE PERSONAL INFORMATION. if you post personal information on any message board, We have no control over this use of your personal information and, as such, cannot be responsible for it. we reserve the right, but not the obligation, to: (a) delete any personal information we discover or which is brought to our attention, at any time, for any reason whatsoever; and/or (b) immediately terminate your account.
Transfer- We may sell or buy other businesses or entities. If we do, we may transfer or assign the information we have collected, including your Personal Information, as part of such merger, acquisition, sale, or other change of control. Also, in the unlikely event of our bankruptcy, insolvency, reorganization, receivership, or assignment for the benefit of creditors, or the application of laws or equitable principles affecting creditors' rights generally, we may not be able to control how your Personal Information is treated, transferred, or used and your Personal Information may be included in the transferred assets. We do not sell Personal Information to third parties and have no intention of doing so in the future. Under the laws of some jurisdictions, you may be entitled to request disclosure regarding how we share your Usage Information with third parties for direct marketing purposes ("Information-Sharing Disclosure"). To the extent required by applicable law, we shall provide the Information-Sharing Disclosure to you upon rightful request made in writing to InsureMonkey, 9041 S. Pecos Rd. Ste 4200, Henderson, Nevada 89074. Except as explained above, we will not share any of your personal information with any third party, unless we have received your express permission to do so.
Opting-Out- You may opt-out of receiving any communications from InsureMonkey for which you have signed up at any time by clicking on a link provided at the bottom of the email communication or by contacting firstname.lastname@example.org. PLEASE NOTE- WE CAN ONLY REMOVE YOUR NAME FROM OUR OWN MAILING LISTS. IF YOU SIGN UP TO RECEIVE ANY COMMUNICATIONS FROM ANY BUSINESS PARTNER AVAILABLE THROUGH THE WEBSITE, YOU WILL HAVE TO CONTACT SUCH COMPANY DIRECTLY TO REMOVE YOUR NAME FROM ITS MAILING LISTS.
Linked Sites- Our Website may include, as a convenience to you, links to other websites. Each linked website will have its own rules and policies with respect to how it collects, uses and discloses your personal information. THESE SITES ARE NOT PART OF THIS WEBSITE. Make sure you (and, if applicable, your parents) review the applicable agreements and policies carefully when visiting other websites. WE ARE NOT RESPONSIBLE FOR OR HAVE ANY CONTROL OVER THOSE WEBSITES AND WE DO NOT ENDORSE ANY PRODUCT ON THOSE WEBSITES.
Security Procedures- We take commercially reasonable precautions and have implemented commercially reasonable technical measures intended to protect against the risks of unauthorized access to, erroneous disclosure of, and unlawful interception of Personal Information submitted via the Website. However, your email transmissions and/or other communications containing Personal Information may be unlawfully intercepted or accessed by third parties and/or the Website may be subject to hostile network attacks or administrative errors. We cannot and do not guarantee the security of any information transmitted over the Internet. Once we receive your Personal Information, we take steps that we believe are commercially reasonable to limit access to your Personal Information to only those employees and service providers whom we determine need access to the Personal Information to provide the requested products, services, offers or opportunities that may be of interest to you. However, even after we receive your Personal Information, we cannot guarantee that your Personal Information may not be accessed, disclosed, altered, or destroyed as a result of a breach of our commercially reasonable efforts or as a result of any other event beyond our reasonable control. Accordingly, we cannot and do not guarantee that your Personal Information is completely secure and safe from such risks. For the avoidance of doubt, WE expressly disclaim any representation or warranty, whether express or implied, with respect to ensuring, guaranteeing or otherwise offering any definitive promise of security in connection with your PERSONAL Information, APPLICATION INFORMATION or Usage Information.
Changes and Updates to your Personal Information- From time to time, you may want to correct or change your Personal Information. You may do so by signing into your Member account and clicking the change information button at the Website. Please note that the foregoing will only change your Personal Information in our records and you will need to contact any Carrier to whom your Personal Information has previously been provided directly to change their records.
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