Privacy Policy

ABOUT THIS PRIVACY POLICY is privately owned and operated and doing business on-line and functioning as a resource to quote, compare and purchase individual and family insurance plans and insurance related products. As you visit our site and submit basic information essential to facilitate this process, your private information is kept secure. We will not use your personal information for anything other as intended and needed for by our agents, affiliates and partners to generate quotes, assist enrollment and the processing of your insurance plans and/or product needs. It is understood and agreed that there is a certain amount disclosure to appropriate parties, whether 1st, 2nd or 3rd, in order for us to complete your requests. You agree that by entering any information into this site, it will be stored in the database and may be used to market other related insurance plans, products and services at any time. You can opt out of these correspondences in the future if you deem necessary, at which time your information will no longer be used for these or any related purposes.

Personal information is any information that identifies you or by which your identity can be reasonably determined. We only collect this data to process your request for quoting and enrollment. The collection, use and disclosure of personal information are essential to enable us to conduct our business of delivering online insurance, plans, products and services to our customers and website visitors. For example, most of our products and services require some form of registration or subscription, while others may require a payment.

During your experience navigating the Site you may provide, or be asked to provide by your own volition, personal information such as name, address, age, gender, height, weight, tobacco usage, medical conditions, both present and past, occupational, financial status, employee census data, and where permitted by law, any other information or its affiliates deem necessary for the purpose of providing insurance, plans, products and/or services. Some of the personal information we collect, including that obtained from our Website, is used to help us develop and improve the quality of our products and services, which in turn, provides our customers and website visitors with a more satisfying and enjoyable online experience. Without collecting and making use of your personal information, we may not be able to provide our on-line products and services to you.

We use personal information that we collect to conduct our business of delivering online products and services and to continually improve our relationship with you. In order to do this, we share your personal information with our related companies. 
Personal information may be used to enable us to send you online promotional material on our range of products and services. You may at any time notify us that you do not wish to receive this material via the unsubscribe facility accompanying the material. Once you have notified us, we will not send you any further promotional material.

We collect and store personal information that is provided by our customers as part of doing business with us. Such information may include a customer's full name, date of birth, addresses (including home, postal and email address) and telephone numbers. We also collect and securely store customer's payment details such as their credit card details (Only where necessary). We collect this personal information and make use of these details to provide you with our products and services and to better manage our relationship with you.

We provide products and services via a number of different websites. When you view one of our websites, our web server records anonymous information such as the time and date the website is viewed and the web pages/URL's requested. This information assists us to improve the structure of our websites and monitor their performance. Cookies are pieces of information that a website transfers to your hard drive for record-keeping purposes. The browser stores the information, and sends the information back to the server each time you request a webpage from the server. The use of cookies is an industry standard, utilized by the majority of website operators. Most browsers are initially set up to accept cookies. You can reset your browser to refuse all cookies or indicate when a cookie is being sent. However, some parts of our websites, or the products and services provided through our websites, may not function properly or may be considerably slower if you do not enable cookies on your Internet browser. We may have iframes embedded on our websites and may enter into contractual arrangements with third parties so that they may analyze your online behavior. These iframes allow for the collection of non-personally identifiable information about your website visits.

When you access our websites, our website servers register the type of web browsers that you are using and your IP address. We collect IP addresses for the purposes of system administration, to report aggregate traffic information to our customers, fraud detection and to generally audit the use of our websites. When you request pages from our websites, our servers may log your IP address. We do not normally link IP addresses to any personal information, which means that your session will be logged, but you otherwise remain anonymous.

We can and will use your IP address to identify you when it is necessary to enforce compliance with our terms of service or to protect the integrity of our services and websites, as well as to protect our interests and those of our other customers. Some services provided by us, such as certain message boards, may display IP addresses along with the message poster's name and message. Please review each service prior to use and only use those services if you are comfortable with their methods of collection and disclosure of personal information.

You should be aware that on our affiliated websites, there are links to third party websites. If you "click" on a banner advertisement, a search result or another type of link contained on one of our sites, the "click" may result in you leaving our site and your browser being redirected to a website owned and controlled by a third party. In this case, we recommend that you refer to the privacy policy of the websites you visit. We have no control over, and hence accept no responsibility for, the content of these sites or the actions of the operators in relation to the collection of personal information of users of these sites. While we make every reasonable effort to protect the privacy of your personal information, we cannot guarantee the security of any information you disclose online and you do so at your own risk.

You should keep in mind that whenever you give out personal information online, there is a risk that the information can be intercepted and used by third parties without our knowledge. We are in no way responsible or liable for the misuse of personal information obtained in this manner.

By using this website or our affiliated websites, you consent to us collecting, using and disclosing your personal information in accordance with this Privacy Policy (as amended from time to time).