Policy smart online privacy
policy agreement

General

Policy Smart (Compare and Save*) values its users’ privacy. This Privacy Policy (“Policy”) will help you understand how we collect and use personal information from those who visit our website or make use of our online facilities and services, and what we will and will not do with the information we collect. Our Policy has been designed and created to assure those affiliated with Policy Smart of our commitment and realization of our obligation not only to meet, but to exceed, most existing privacy standards.

Please also review the Terms and Conditions that govern your use of our Services.

Our Right to Make Changes to this Policy

We reserve the right to make changes to this Policy at any given time. If you have not registered with us and want to make sure that you are up to date with the latest changes, we advise you to frequently visit this page. If you are a registered user, we will notify you via email of any changes or updates made to this Policy. If at any point in time Policy Smart decides to make use of any personally identifiable information on file, in a manner vastly different from that which was stated when this information was initially collected, the user or users shall be promptly notified by email. Users at that time shall have the option as to whether to permit the use of their information in this separate manner.

Your Consent to Our Collection and Use of Your Data

This Policy applies to Policy Smart, and it governs any and all data collection and usage by us. Through the use of www.policysmart.com, you are therefore consenting to the data collection procedures expressed in this Policy.

Third Party Websites

Please note that this Policy does not govern the collection and use of information by companies that Policy Smart does not control, nor by individuals not employed or managed by us. If you visit a website that we mention or link to, be sure to review its privacy policy before providing the site with information. It is highly recommended and suggested that you review the privacy policies and conditions of any website you choose to use or frequent to better understand the way in which websites garner, make use of and share the information collected

Information About Our Collection and Use of Your Data.

This Policy will inform you of the following

1. What personally identifiable information is collected from you through our website;
2. Why we collect personally identifiable information and the legal basis for such collection;
3. How we use the collected information and with whom it may be shared;
4. What choices are available to you regarding the use of your data; and
5. The security procedures in place to protect the misuse of your

Purpose.Users can access limited features of this Web site without disclosing personal information. In order to access the entire Web site, users must register for an account, which will provide the registrant with full access to the Web site, including access to the Web site’s forums, message boards and chat rooms.

Information Sought During Registration.During the account registration process, you will be asked to submit personal information, including your proper name and at least one active e-mail address. At this time, you will also have the opportunity to subscribe to any and all Web site newsletters regarding Policy Smart’s news, services and special offers or events. Registrants can also unsubscribe to these newsletters at any time by updating registration account information online.

Types of Information We Collect

It is always up to you whether to disclose personally identifiable information to us, although if you elect not to do so, we reserve the right not to register you as a user or provide you with any of our services. This website collects various types of information, such as:

1. Voluntarily provided information which may include your name, address, email address, telephone number, social security number and information about your company or business which may be used to deliver the services you have
2. Relates to your business, such as the number of employees that work at your company, your company’s average income, and your company’s Federal Employer ID Number (FEIN).

We do not collect credit card information.

In addition, Policy Smart may have the occasion to collect non-personal anonymous demographic information, such as the type of browser you are using, IP address, or type of operating system, browser type, domain names, access times and referring Web site addresses. which will assist us in providing and maintaining superior quality service.

Please rest assured that this site will only collect personal and business information that you knowingly and willingly provide to us by way of forms, and emails. It is the intent of this site to use personal and business information only for the purpose for which it was requested, and any additional uses specifically provided for in this Policy.

How We May Collect and Use Your Data

Your data is collected from any number of sources from your use of our website and other sources, including:

1. emails, texts, and other electronic messages between you and this website.
2. applications you download from this website, which provides dedicated non-browser-based interaction between you and this website.
3. when you interact with our advertising and applications on third-party websites and services if those applications or advertising include links to this Policy, and
4. and any other sources.

We may also receive information about you from other sources, including publicly available databases or third parties from whom we have purchased data, and combine this data with information we already have about you. This helps us to update, expand and analyze our records, identify new customers, and provide products and services that may be of interest to you. If you provide us personal information about others, or if others give us your information, we will only use that information for the specific reason for which it was provided to us.

This information is collected directly when you provide it to us when you access or use our services, submit a request for an insurance quote or application for insurance, or otherwise submit a request for information about the services that we offer.

This information may be collected automatically as you use this website and may include usage details, unique IDs, IP addresses, and information collected through cookies, web beacons, and other tracking technologies, as explained further below.

We may use automatic data collection technologies to collect certain information about your equipment, browsing actions, and patterns, including:

1. Details of your visits to our website, including the pages you visit within the Website, the date and time of your visit, the amount of time you spend using the Website, location data, logs, and other communication data and the resources that you access and use on the website, and
2. Information about your computer and internet connection, including your IP address, operating system, and browser type.

We also may use these technologies to collect information about your online activities over time and across third-party websites or other online services (behavioral tracking). Click here for information on how you can opt out of behavioral tracking on this website and how we respond to web browser signals and other mechanisms that enable consumers to exercise choice about behavioral tracking.

The information we collect automatically is only statistical data and does not include personal information, but we may maintain it or associate it with personal information we collect in other ways or receive from third parties. It helps us to improve our website and to deliver a better and more personalized service, including by enabling us to:

1. Estimate our audience size and usage patterns.
2. Store information about your preferences, allowing us to customize our website according to your individual interests.
3. Speed up your searches.
4. Recognize you when you return to our website.

Other Reasons Why We Collect Your Data

We are collecting your data for several other reasons:

1. To better understand your needs and provide you with the services you have requested;
2. To fulfill our legitimate interest in improving our services.
3. To send you promotional emails containing information we think you may like when we have your consent to do so;
4. To contact you to fill out surveys or participate in other types of market research, when we have your consent to do so;
5. To customize our website according to your online behavior and personal

The data we collect from you will be stored for no longer than necessary. The length of time we retain said information will be determined based upon the following criteria: the length of time your personal and business information remains relevant; the length of time it is reasonable to keep records to demonstrate that we have fulfilled our duties and obligations; any limitation periods within which claims might be made; any retention periods prescribed by law or recommended by regulators, professional bodies or associations; the type of contract we have with you, the existence of your consent, and our legitimate interest in keeping such information as stated in this Policy.

Other Uses of Data Collected

Policy Smart may also collect and may make use of personal and business information to assist in the operation of our website and to ensure delivery of the services you need and request. At times, we may find it necessary to use personally identifiable information as a means to keep you informed of other possible products and/or services that may be available to you from www.policysmart.com

Policy Smart may also be in contact with you with regards to completing surveys and/or research questionnaires related to your opinion of current, potential, or future services that may be offered.

Policy Smart will contact you on behalf of external business insurance contacts with regards to a potential new offer which may be of interest to you. If you consent or show interest in presented offers, then, at that time, type of business and insurance needs will be shared with third party business insurance contacts. Specific identifiable information such as name, email address and/or telephone number, will not be shared with the third party until such time as you agree to accept said third party’s offer of insurance.

If you register for our services, Policy Smart will share specific business as is necessary to secure an offer of insurance with our third-party insurance contacts in order to provide you with offers of insurance. Those third parties shall be strictly prohibited from making use of your business information, other than to deliver those services which you requested, and as such they are required, in accordance with this agreement, to maintain the strictest confidentiality with regards to all your information.

We use information that we collect about you, or that you provide to us, to fulfill or meet the reason you provided the information; to create and secure your account with us; to provide you with support and respond to your inquiries; o notify you about changes to our Website and services we offer; to maintain the safety, security, and integrity of our website and services, databases and other technology assets, and business; to develop and improve our website and services; to fulfill our obligations and enforce our rights from any contracts between ourselves and you; to resolve disputes, troubleshoot problems and respond to your customer service inquiries; to prevent, detect, and investigate potentially prohibited or illegal activities, and enforce the Terms of Use; and for any other purpose with your consent.

Disclosure of Information

Policy Smart may not use or disclose the information provided by you except under the following circumstances:

1. as necessary to provide services you have requested;
2. in other ways described in this Policy or to which you have otherwise consented;
3. in the aggregate with other information in such a way so that your identity cannot reasonably be determined;
4. as required by law, or in response to a subpoena or search warrant;
5. to outside auditors who have agreed to keep the information confidential;
6. as necessary to enforce the Terms of Service on our website;as necessary to maintain, safeguard and preserve all the rights, property and safety of Policy Smart;
7. as necessary to protect the rights, property or safety of our customers, or others;
8. as necessary to exchange information with other companies and organizations for the purposes of fraud protection and credit risk protection.

We do not sell your personal information to third parties.

California residents may have additional personal information rights and choices. Please see your California Privacy Rights for more information.

Nevada residents who wish to exercise their sale opt-out rights under Nevada Revised Statutes Chapter 603A may submit a request to this designated address www.policysmart.com or by telephone at (212-447-4300).

Providing You with Information We Have Collected

Upon request, Policy Smart will provide you with information about whether we hold any of your personal information. If your personal information changes, or if you no longer desire our service, you may correct, update or delete/remove it by emailing our Customer Support at policysmart.com or by contacting us by telephone at (212-447-4300).or postal mail at the contact information listed on our website. We will respond to your request to access within 30 days.

Non-Marketing Purposes

Policy Smart greatly respects your privacy. We do maintain and reserve the right to contact you if needed for non-marketing purposes (such as bug alerts, security breaches, account issues, and/or changes in Policy Smart products and services, or changes to this Policy). In certain circumstances, we may use our website, newspapers, or other public means to post a notice.

Children under the age of 13

Policy Smart’s website is not directed to, and does not knowingly collect personal identifiable information from, children under the age of thirteen (13). If it is determined that such information has been inadvertently collected on anyone under the age of thirteen (13), we shall immediately take the necessary steps to ensure that such information is deleted from our system’s database, or in the alternative, that verifiable parental consent is obtained for the use and storage of such information. Anyone under the age of thirteen (13) must seek and obtain parent or guardian permission to use this website.

Unsubscribe or Opt-Out

All users and visitors to our website have the option to discontinue receiving communications from us by way of email or newsletters. To discontinue or unsubscribe from our website please send an email that you wish to unsubscribe to www.policysmart.com. If you wish to unsubscribe or opt-out from any third-party websites, you must go to that specific website to unsubscribe or opt-out. Policy Smart will continue to adhere to this Policy with respect to any personal information previously collected.

Links to Other Websites

Our website does contain links to affiliate and other websites. Policy Smart does not claim nor accept responsibility for any privacy policies, practices and/or procedures of other websites. Therefore, we encourage all users and visitors to be aware when they leave our website and to read the privacy statements of every website that collects personally identifiable information. This Policy applies only and solely to the information collected by our website.

Notice to European Union Users

Policy Smart’s operations are located in the United States. If you provide information to us from outside of the United States, information will be transferred out of the European Union (EU) and sent to the United States. (The adequacy decision on the EU-US Privacy became operational on August 1, 2016. This framework protects the fundamental rights of anyone in the EU whose personal data is transferred to the United States for commercial purposes. It allows the free transfer of data to companies that are certified in the US under the Privacy Shield.) By providing personal information to us, you are consenting to its storage and use as described in this Policy.

Policy Smart Protects Your Information

Policy Smart takes precautions to protect your information. When you submit sensitive information via the website, your information is protected both online and offline. Wherever we collect sensitive information that information is encrypted and transmitted to us in a secure way. You can verify this by looking for a lock icon in the address bar and looking for “https” at the beginning of the address of the webpage.

While we use encryption to protect sensitive information transmitted online, we also protect your information offline. Only employees who need the information to perform a specific job (for example, customer service) are granted access to personally identifiable information. The computers and servers in which we store identifiable information are kept in a secure environment. This is all done to prevent any loss, misuse, unauthorized access, disclosure or modification of the user’s personal and business information under our control.

Policy Smart’s site secures the e-mail address you provide on computer servers in a controlled, secure environment, protected from unauthorized access, use or disclosure. If you choose to create a profile on Policy Smart’s Web site or if you choose to register for an account, you will be required to select a password. This password can be changed at any time after you first log into the service by using your current password. You must keep your password confidential, and you must not share this information with anyone. If you share a computer with anyone, you should always log out of the Web site before leaving it to prevent access to your information from subsequent users of that computer.

Cookies

This Web site uses cookies to assist you with making your online experience more individualized. A cookie is a text file that is placed on the hard disk of your computer by a web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you and can only be read by a web server in the domain that issued the cookie to you.

Cookies are used for convenience and to save you time when you next visit this Web site. The purpose of a cookie is to tell the web server that you have returned to a specific page, so that when you visit the site again, the experience will be personalized. You have the ability to accept or decline cookies. Most Web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to set your computer to accept cookies from this Web site, you may also choose to be logged into the site automatically. If you choose to decline cookies, you may not be able to fully experience the interactive features of this Web site or the other Web sites that you visit and you may experience technical problems receiving current information from such cookie-disabled Web sites.

Beacons

Policy Smart’s Web site pages may contain electronic images known as web beacons—also referred to as single-pixel gifs—that permit Policy Smart to count users who have visited those pages and for other related Web site statistics— (e.g., recording the popularity of certain Web site content and verifying system and server integrity). Web beacons are not used to access your personal information on Policy Smart’s Web site; they are solely used to compile aggregated statistics concerning the use of the Policy Smart’s Web site. Web beacons collect only a limited set of information including a cookie number, the time and date of a page view, and a description of the page on which the web beacon resides.

Acceptance of Terms

By using this Web site, you accept that your visit and any dispute over privacy is subject to this Notice and our Terms of Use, including limitations on damages, arbitration of disputes and application of the law of the state of New York. If you have any concern about privacy issues, please contact us as directed in this Policy. By using this website, you are hereby accepting the terms and conditions stipulated within this Privacy Policy Agreement. If you are not in agreement with our terms and conditions, then you should refrain from further use of our sites. In addition, your continued use of our website following proper notification or the posting of any updates or changes to our terms and conditions, shall mean that you agree and accept such changes.