Privacy Policy

How We Protect Your Privacy

This privacy policy tells you how we collect, use, and protect your personal information. By visiting our website, you accept and agree to the terms and conditions of this privacy policy. In particular, you consent to our collection and use of your personal information as described in this privacy policy.

Minors

We do not provide services or sell products to children. If you are below the age of 18, you may use our website only with the permission and active involvement of a parent or legal guardian. If you are a minor, please do not provide us or other website visitors with any personal information.

Policy Is Part Of Our Terms And Conditions Of Use

Our privacy policy is part of, and subject to, our website’s terms and conditions of use. You may view these terms and conditions on our website.

The Type Of Information We Collect From You

Like most places on the Internet, simply by visiting our website you automatically tell us certain information. This includes basic information such as your IP address, when you visited, the website from where you came prior to visiting us, the website where you go when you leave our website, your computer’s operating system, and the type of web browser that you are using. Our website automatically records this basic information about you.

And like many other websites, we may use cookies. In plain English, this means information that our website’s server transfers to your computer. This information can be used to track your session on our website. Cookies may also be used to customize our website content for you as an individual. If you are using one of the common Internet web browsers, you can set up your browser to either let you know when you receive a cookie or to deny cookie access to your computer.

We may also collect any data that you provide us by posting it at our website or by e-mail. You can always choose not to provide us with information. However, if you do withhold information, we may deny you access to some or all of our website’s services and features.

Some transactions between you and our website may involve payment by credit card, debit card, checks, money orders, and/or third party online payment services. In such transactions, we will collect information related to the transaction as part of the course of doing business with you, including your billing address, telephone number, and other information related to the transaction.

What We Do With Your Information

We are in the business of helping consumers find products and services of interest to them. In order to assist consumers, we share personal and other information with third parties as described in this Privacy Policy. We take certain precautions in sharing this information including striving to ensure that we work with reputable partners and suppliers and obligating people with whom we do business to respect the law and use the information you have shared with us for limited purposes.

Why do we collect your information? We help consumers shop for insurance and various other products by connecting consumers with insurance agents or other vendors, as applicable. By clicking “Get My Quotes” and seeking a quote request, you authorize and agree that we may use the information you share with us to help match you with insurance providers or other vendors (as applicable) through introducing you to insurance agents, insurance companies, and/or other vendors, as applicable, who also assist us and you in finding insurance agents, insurance companies, discount program representatives and/or other requested products or services, as applicable (we refer to all of these as “Providers”, and we sometimes refer to both consumers and Providers as our “users”) to help you obtain free quotes for insurance, discount health plans or other products or services, as applicable. Insurance companies establish their rates using a variety of criteria. Since we deal with many Providers, the more detailed information you provide to us, the more accurate a quote our Providers may help you locate.

Information We Collect And How We Use It

What do we collect and how do we use it? By requesting an insurance quote, you acknowledge and agree that up to eight (8) Providers may contact you using your information to provide your requested quote or to obtain additional information needed to provide your requested quotes where permitted by law. You further acknowledge and agree that each Provider that receives your quote request from this website or our affiliates may confirm your information through the use of a consumer report, which may include your credit score and driving record. You acknowledge that you have read and understand the Terms and Conditions of Use of this website and agree to be bound by them. We are not responsible, and shall not be held liable, if a Provider or other third party to whom we have forwarded any of the information you submitted to us violates our Privacy Policy or such third party’s own privacy policy (if any), or otherwise violates the law.

Our users may from time-to-time provide us with personally identifiable information. Personally identifiable information generally means any information that may be used to identify an individual, including, but not limited to, your name, home address, telephone number, and email address.

Examples of personally identifiable information may include: * First and Last Name * Postal Address * Email Address * Phone Number * Driver’s License Number* * Date of Birth * While not required, this information may be helpful in processing your request to receive insurance or other quotations.

We process personally identifiable information as described herein and also for such purposes as: * To deliver our products and services to users, including the display of customized content and advertising; * To conduct research and analysis in order to maintain and improve our products and services; * Ensuring the technical functioning of our system and network; * To aid us in developing new services; * To alert you to product updates, special offers, updated information and other new services. (You may opt-out of these communications if you so choose.); and * To contact you in response to your requests for information.

We may aggregate information we receive from you and from our other users and may use or disclose this information to third parties in a manner that does not disclose any such personally identifiable information.

IMPORTANT NOTICE REGARDING CONSUMER REPORT PRACTICES

AS STATED ABOVE, BY SEEKING A QUOTE REQUEST, YOU AUTHORIZE AND AGREE THAT A PROVIDER MAY OBTAIN ADDITIONAL BACKGROUND INFORMATION ABOUT YOU TO PROVIDE YOU WITH YOUR REQUESTED INSURANCE QUOTE OR POLICY INFORMATION. FOR EXAMPLE, CONSUMER AND/OR CREDIT REPORTS, OR DRIVING RECORDS, MAY BE ORDERED IN CONNECTION WITH YOUR QUOTE REQUEST. THESE REPORTS MAY PROVIDE ADDITIONAL INFORMATION THAT MAY ASSIST PROVIDERS IN DETERMINING YOUR ELIGIBILITY FOR INSURANCE, DISCOUNT HEALTH PLANS OR OTHER PRODUCTS OR SERVICES, AND RATES THAT YOU MAY BE CHARGED. CONSUMER REPORTS MAY ALSO BE USED FOR UPDATES, RENEWALS, OR EXTENSIONS OF ANY INSURANCE YOU MAY OBTAIN. A PROVIDER MAY ALSO OBTAIN AND USE A CREDIT-BASED INSURANCE SCORE CONTAINED IN YOUR CREDIT REPORT. THIS INFORMATION MAY BE COMBINED BY A PROVIDER WITH INFORMATION YOU SUBMIT TO US, AND BY CLICKING SUBMIT AND SEEKING A QUOTE REQUEST, YOU ACKNOWLEDGE THAT YOU ARE PROVIDING YOUR WRITTEN PERMISSION TO OUR PROVIDERS TO OBTAIN YOUR CREDIT REPORT.

Information Transfer And Sharing Policy

Generally. When you begin to provide personally identifiable information to us, you do so for the purpose of our sharing this information with Providers to provide you with the quotes you requested, and this information then becomes subject to each Provider’s own privacy policy (if any). Federal and state laws provide limitations on the information practices of financial institutions such as insurance companies. Providers and others to whom we may forward your personally identifiable information may contact you with a quote by email, telephone, postal mail, or other forms of communication as permitted by law and you agree to receive such contacts when you submit your information, regardless of the presence of your phone number(s) on any local or national no-call or similar no solicitation list.

Please understand that because we are in the business of helping consumers and Providers identify one another, if you are a consumer and you do not permit us to share your personally identifiable information with a Provider, we will be unable to assist you and certain of our services and offerings will be unavailable to you. We expect our Providers to whom we forward your information to follow applicable laws and abide by the restrictions we impose on their use of your personally identifiable information.

Other Usage and Offerings Including Third Party Marketing Communications Unrelated to Insurance. From time to time we may seek to make available additional offerings and services including those that may not be insurance-related. In doing so, we will strive to give our users choices about whether or not you would like to continue to receive future promotional or marketing communications from us either directly or on behalf of others whose offerings we think may be of interest to you. For example, at the time of registration, if you choose, you will have the option to receive email marketing communications directly from third parties with whom we share such information for their direct marketing purposes. We require these third parties to obey the law and to honor any request by you to stop sending commercial email messages or communications. In determining which third parties with whom we might share your personal information for direct marketing purposes or, in identifying which offerings we think may be of interest to you, we may use and analyze information you have provided to us consistent with and as permitted by applicable law. If you choose not to receive such marketing communications, you may still receive certain relationship or transactional communications from us as described herein. If you would like to opt-out of particular types of information sharing please contact us via the address below.

Aggregate information. We may occasionally share aggregate information with third parties, such as how many users clicked on a particular advertisement. Aggregate information does not personally identify you or otherwise allow anyone to identify you individually.

Vendors and Suppliers. We may provide personally identifiable information to or permit access to personally identifiable information by our subsidiaries, affiliated companies, vendors and service providers for the purpose of processing personally identifiable information on our behalf, or where such access is incidental to their assisting us. We expect that these parties will only process such information based on our instructions and in compliance with this Privacy Policy and any other appropriate confidentiality and security measures.

We use your information to operate our website’s business activities. For example, we may use this data to contact you about changes to our website, new services, or special offers, resolve disputes, troubleshoot issues, and enforce our website’s terms and conditions.

We may, in our sole discretion, provide information about you to law enforcement or other government officials for purposes of fraud investigations, alleged intellectual property infringement, or any other suspected illegal activity or matters that may expose us to legal liability.

From time to time, we may use third party suppliers to provide services on our website. If a supplier wants to collect information about you, you will be notified. However, you will never be required to give information to a third party supplier. We restrict the way third party suppliers can use your information. They are not allowed to sell or give your information to others.

We may also use a third party ad network to help present advertisements on this website. Third-party ad serving enables us to target advertisements to you for products and services you might be interested in. These third party network advertisers, along with other advertisers and sponsors on the website, may use cookies, web beacons (also called single pixel gifs or action tags) or similar technologies (and, in the case of cookies, access them on your computer if you choose to have cookies enabled in your browser) to serve you advertisements tailored to interests you have shown by browsing on this and other sites you have visited, to determine whether you have seen a particular advertisement before and to avoid sending you duplicated advertisements. In doing so, the provider collects non-personal data such as your browser type, your operating system, Web pages visited, time of visits, content viewed, ads viewed and other clickstream data. The use of third party cookies, web beacons and similar technologies by these ad network providers is governed by each third party’s specific privacy policy, not this one. Please visit http://www.networkadvertising.org/choices/ to learn more about the information collection practices and “opt-out” procedures of third party ad networks we may use.

User Names And Passwords

Your access to parts of our website may be protected by a user name and a password. Do not give your password to anyone. If you enter a section of our website that requires a password, you should log out when you leave. As a safety precaution, you should also close out of your web browser completely and re-open it before viewing other parts of the Internet.

Your Use Of Information And Unsolicited Junk E-mail

If you obtain personally identifiable information about another website user, you are not allowed to disclose this information to anyone else without the consent of the user and our consent too.

Information you obtain from our website about us or other site users cannot be used by you or others to send unsolicited commercial e-mail or to send unsolicited commercial communications via our website’s posting or other communication systems.

Your Voluntary Disclosure Of Information To Third Parties Who Are Not Our Suppliers

You may choose to provide personal information to website visitors or other third parties who are not our suppliers. Please use caution when doing so. The privacy policies and customs of these third parties determine what is done with your information.

Autoresponders

We may use autoresponders to communicate with you by e-mail. To protect your privacy, we use a verified opt-in system for such communications and you can always opt-out of such communications using the links contained in each autoresponder message. If you have difficulties opting out, you may contact us by sending an e-mail to contact[at]aca-ins.com, or sending us mail to the address listed below.

Policy Changes

The terms of this policy may change from time to time. If such changes are made, we will notify you by a notice posted on our website’s home page of the changes that have been made. If you disagree with the changes that have been made, please contact us (by e-mail, using a website contact form, or in writing by mail), and any changes made to this policy will not apply to information we have collected from you prior to making the changes.

If you are concerned about the topic covered by this policy, you should read it each time before you use our website. Any questions or concerns about this policy should be brought to our attention by sending an e-mail to contact[at]aca-ins.com and providing us with information relating to your concern.