Terms and conditions
Effective date: August 24, 2020
insured.io ("us", "we", or "our") operates the insured.io website on behalf of insured.io (the "Service").
Information Collection and Use
We collect several different types of information for various purposes to provide and improve our Service to you.
Types of Data Collected and How We Use It
When you create, or register, an account on the Service (an “Account”), we may ask you for information such as your username, password, policy number, age, and phone number. We may use such information, alone or together with other information, to enhance and improve the Service, such as by personalization. We use your age to verify that you can lawfully use the Service. We use your email address to verify your account and to communicate with you, as further described below.
Email Communications with insured.io
As part of the Service, you may occasionally receive administrative communications from insured.io (e.g., for purposes of Account recovery or password reset). Such communications are considered part of the Service and your Account, which you may not be able to opt-out from receiving. We may send other communications, at your behest (e.g., emailing a receipt of payment made within the Service). Note that insured.io will never email you to ask for your password or other Account Information; if you receive such an email, please forward it to us.
To provide the Service to you, we receive policy related information from your insurance company. This information may include information about your policy, coverages and payment related data.
While using the Service, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you ("Personal Data"). Personal Data may include, but is not limited to:
First name and last name
Address, State, Province, ZIP/Postal code, City
Cookies and Usage Data
We may also collect payment information from you to provide you with our Service. This may include making online payments using your credit card or bank account information. It may also include your ability to enroll in automatic payments with a saved payment method of your choice (ACH or credit card). We do not store your payment information, nor do we process the payments. All payment transactions initiated, by you, through our Service are processed by third party payment processor(s), chosen by your insurance company to be connected to our Service.
By sharing such payment information, you are consenting to our use of such information for the business purpose of providing you the Service.
We also collect information how the Service is accessed and used ("Usage Data"). This Usage Data may include information such as your computer's Internet Protocol address (i.e., 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.
Tracking & Cookies Data
Cookies are files with small amount of data which may include an anonymous unique identifier. Cookies are sent to your browser from a website and stored on your device. Tracking technologies also used are beacons, tags, and scripts to collect and track information and to improve and analyze our Service. 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 portions of our Service.
Common examples of Cookies we use:
Session Cookies. We use Session Cookies to operate our Service.
Preference Cookies. We use Preference Cookies to remember your preferences and various settings.
Security Cookies. We use Security Cookies for security purposes.
How We Use the Data
insured.io uses the collected data for various purposes, which may include, but not be limited to:
To provide and maintain the Service;
To notify you about changes to our Service;
To allow you to participate in interactive features of our Service;
To provide customer care and support;
To provide analysis or information so that we can continually improve the Service;
To monitor the usage of the Service; and
To detect, prevent and address technical issues.
Transfer of Data
Your information, including Personal Data, 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.
If you are located outside United States and choose to provide information to us, please note that we transfer the data, including Personal Data, to the United States and process it there.
Disclosure of Data
insured.io may disclose your Personal Data in the good faith belief that such action is necessary to:
To comply with a legal obligation;
To protect and defend the rights or property of insured.io;
To prevent or investigate possible wrongdoing in connection with the Service;
To protect the personal safety of users of the Service or the public; and
To protect against legal liability.
Security of Data
The security of your data is very important to us. To protect data, we follow industry best practices and take reasonable precautions ensure your data is not inappropriately lost, misused, accessed, disclosed, altered, or destroyed.
If you share credit card information with us, we follow all PCI-DSS requirements and implement additional generally accepted industry standards to protect such information.
We may utilize third party companies and individuals to facilitate our Service ("Service Providers"), to provide the Service on our behalf, to perform Service-related services or to assist us in analyzing how our Service is used.
These third parties have access to Personal Data only to perform these tasks on our behalf and are contractually obligated not to disclose or use it for any other purpose.
We may use third-party Service Providers to monitor and analyze the use of our Service, including but not limited to Google Analytics, as further described below.
Google Analytics is a web analytics service offered by Google that tracks and reports website traffic. Google uses the data collected to track and monitor the use of our Service. This data is shared with other Google services. Google may use the collected data to contextualize and personalize the ads of its own advertising network.
For more information on the privacy practices of Google, please visit the Google Privacy & Terms web page: https://policies.google.com/privacy?hl=en
Links to Other Sites
We have no control over and assume no responsibility for the content, privacy policies or practices of any third-party sites or services.
We do not knowingly collect personally identifiable information from anyone under the age of 18. If you are a parent or guardian and you are aware that your Child has provided us with Personal Data, please contact us. If we become aware that we have collected Personal Data from Children without verification of parental consent, we will take steps to purge that information from our servers.
We Use Standard Messaging Service Short Codes
If you opt-in for SMS text alerts, receipts and/or other messaging related to the Services, we may send you messages via short-code (a six-digit code sent to you when you “opt-in” to SMS text messaging services). For SMS messages provided in the Services hereunder, the following will apply:
1 . When you opt-in to the Service, we will send you an SMS message to confirm your signup.
2 . You can cancel the SMS service at any time. Just text "STOP" to the short code. After you send the SMS message "STOP" to us, we will send you an SMS message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us. If you want to join again, just sign up as you did the first time and we will start sending SMS messages to you again.
3 . If at any time you forget what keywords are supported, just text "HELP" to the short code. After you send the SMS message "HELP" to us, we will respond with instructions on how to use our service as well as how to unsubscribe.
4 . We can deliver messages to the following mobile phone carriers: Major carriers: AT&T, Verizon Wireless, Sprint, T-Mobile, MetroPCS, U.S. Cellular, Alltel, Boost Mobile, Nextel, and Virgin Mobile. Minor carriers: Alaska Communications Systems (ACS), Appalachian Wireless (EKN), Bluegrass Cellular, Cellular One of East Central IL (ECIT), Cellular One of Northeast Pennsylvania, Cincinnati Bell Wireless, Cricket, Coral Wireless (Mobi PCS), COX, Cross, Element Mobile (Flat Wireless), Epic Touch (Elkhart Telephone), GCI, Golden State, Hawkeye (Chat Mobility), Hawkeye (NW Missouri), Illinois Valley Cellular, Inland Cellular, iWireless (Iowa Wireless), Keystone Wireless (Immix Wireless/PC Man), Mosaic (Consolidated or CTC Telecom), Nex-Tech Wireless, NTelos, Panhandle Communications, Pioneer, Plateau (Texas RSA 3 Ltd), Revol, RINA, Simmetry (TMP Corporation), Thumb Cellular, Union Wireless, United Wireless, Viaero Wireless, and West Central (WCC or 5 Star Wireless). ***Carriers are not liable for delayed or undelivered messages***
5 . As always, message and data rates may apply for any messages sent to you from us and to us from you. Message frequency and type may vary. If you have any questions about your text plan or data plan, it is best to contact your wireless provider. For all questions about the services provided by this short code, you can send us an email.