By visiting, using and/or submitting information to www.gobanking.com, you are accepting the practices described in this Privacy Policy.
US Insurance Rates takes your privacy seriously, and has published this Privacy Policy to explain how US Insurance Rates treats all information you may submit to www.US Insurance Rates.com, except that information which is submitted pursuant to a sweepstakes entry. Refer to the Official Rules and Privacy Policy for each individual sweepstakes for US Insurance Rates's specific policies regarding information sharing and disclosure pursuant to sweepstakes entry.
Collection of Personally Identifiable Information
Many of the features of www.US Insurance Rates.com are available to you without your providing personally identifiable information. Personally identifiable information generally includes information that could be used to determine your identity, such as your name, address, phone number, e-mail address, and birth date. The following are certain situations in which US Insurance Rates may collect personally identifiable information from you:
- Registration for Newsletters and Sweepstakes US Insurance Rates collects personally identifiable information from you if you register online for one of US Insurance Rates’s newsletters and when you enter US Insurance Rates’s sweepstakes. When you register online with US Insurance Rates, US Insurance Rates asks for personally identifiable information like your name, e-mail address, birth date, gender, ZIP code, occupation, industry, personal interests and other demographic information.
- Use of Forums. If you choose to transmit, submit or post information through US Insurance Rates’s chat rooms, bulletin boards or other forums (the “Forums”), US Insurance Rates will collect that information you provide. US Insurance Rates retains this information as necessary to resolve disputes, provide customer support and troubleshoot problems as permitted by law and pursuant to US Insurance Rates’s Terms of Use.
- Forms. US Insurance Rates may collect personally identifiable information from you if you choose to fill out any forms, profiles, or surveys on www.US Insurance Rates.com.
- Correspondence. If you send US Insurance Rates personal correspondence, such as emails or letters, or if other users or third parties send US Insurance Rates correspondence about your activities or postings on www.US Insurance Rates.com, US Insurance Rates may choose to collect such information into a file specific to you.
- Business Partners. US Insurance Rates may receive your personally identifiable information from one of US Insurance Rates’s business partners.
Use of Personally Identifiable Information
US Insurance Rates uses your personally identifiable information as follows:
- to improve US Insurance Rates’s marketing and promotional efforts, analyze site usage, improve US Insurance Rates’s content and product offerings, and customize US Insurance Rates's content, layout, and services;
- to contact you and deliver information to you that, in some cases, is targeted to your interests, such as targeted banner advertisements, administrative notices, product offerings, and communications relevant to your use of www.US Insurance Rates.com;
- to fulfill your requests for certain products and services;
- for market research, project planning, troubleshooting problems, detecting and protecting against error, fraud or other criminal activity, to enforce US Insurance Rates’s Terms of Use, for other internal purposes, and as otherwise described to you at the time of collection; and
- as otherwise set forth in this Privacy Policy.
Policy and the Terms of Use.
Disclosure of Personally Identifiable Information
Unless you are entering one of US Insurance Rates’s sweepstakes, US Insurance Rates does not currently sell your personally identifiable information. The following describes some of the ways that your personally identifiable information may be disclosed in the normal scope of business:
- Advertisers. US Insurance Rates may aggregate personally identifiable information and disclose such information in a non-personally identifiable manner to advertisers and other third parties for their marketing and promotional purposes. For example, US Insurance Rates may aggregate personally identifiable information and disclose it to network advertisers in a non-personally identifiable manner as set forth in the section entitled "Network Advertisers," set forth below.
- External Service Providers. There are a number of separate services offered by third parties, including, without limitation, US Insurance Rates’s affiliates, that US Insurance Rates refers to as external service providers that may be complementary to your use of www.US Insurance Rates.com (e.g. realtors, mortgage brokers, lenders, financial institutions, credit card issuers, information aggregators). If you choose to use these separate services, disclose information to the external service providers, and/or grant them permission to collect information about you, then their use of your information is governed by their privacy policy. With your consent, US Insurance Rates may provide some of your personal information to the external service provider offering such services, for your convenience. To prevent US Insurance Rates’s disclosure of your personally identifiable information to an external service provider, you can decline such consent or simply not use their services. You should evaluate the practices of external services providers before deciding to use their services.
- Internal Service Providers. US Insurance Rates may use third parties that US Insurance Rates refers to as internal service providers to facilitate or outsource one or more aspects of US Insurance Rates’s business, product and service operations that US Insurance Rates provides to you (e.g., technology, Forums, newsletters/alerts, analytical tools, advertising campaign management) and therefore US Insurance Rates may provide some of your personal information directly to these internal service providers. These internal service providers are subject to confidentiality agreements with US Insurance Rates or other legal restrictions that prohibit their use of the information US Insurance Rates provides them for any other purpose except to facilitate the specific outsourced US Insurance Rates related operation, unless you have explicitly agreed or given your prior permission to them for additional uses. In some instances, the internal service provider may collect information directly from you. In these cases, you will be notified of the involvement of the internal service provider, and all additional information you provide them and their additional uses will be strictly up to you. If you provide additional information to an internal service provider directly, then their use of your personally identifiable information is governed by their applicable privacy policy.
Personally identifiable information and other personal information collected from you may also be transferred to a third party as a result of a sale, acquisition, merger, reorganization, other transfer or bankruptcy (a “Transfer”) involving US Insurance Rates and/or its affiliates. US Insurance Rates specifically reserves the right to transfer personally identifiable information collected from www.US Insurance Rates.com, and any of its databases, together with any personally identifiable information contained therein, to a third party in connection with a Transfer, and nothing in this Privacy Policy is intended to interfere with the ability of US Insurance Rates to transfer all or part of its business and/or assets (including www.US Insurance Rates.com) to an affiliate or independent third party at any time, for any purpose, without any limitation whatsoever.
Network Advertising
US Insurance Rates may use third-party advertising companies for marketing, advertising and promotional purposes, as well as to serve advertisements to you. Using third-party advertising companies helps us and third-party advertisers better determine which advertisements or content to serve to you. For example, the third-party advertisers may use information regarding your visits to www.US Insurance Rates.com and other Web sites in order to provide advertisements about goods and services, that third party advertisers believe will be of interest to you.
The types of information that may be collected by third-party advertising companies include the following:
- the type of Internet browser you use;
- the type of computer operating system you use;
- the domain name of a Web site you visit, as well as information related to Web sites and Web pages you are viewing when an advertisement is requested;
- whether or not you visit specific pages of www.US Insurance Rates.com or other Web sites;
- the location of your Internet service provider's point of presence;
- the date and time of a visit to a Web site;
- search keywords passed from another server;
- the number of times you have clicked on an advertisement; and
- other interactions between you and a Web site.
If you would like to opt-out of third-party advertising companies' use of such information, go to www.savingssavy.info/unsubscribe/
Newsletters and CAN-SPAM Compliance
US Insurance Rates.com sends only verified newsletters, specifically requested by US Insurance Rates subscribers. Subscriptions to US Insurance Rates.com newsletters are verified by sending an e-mail. US Insurance Rates.com is fully compliant with the Controlling the Assault of Non-Solicited Pornography and Marketing Act of 2003.
Cookie technology
"Cookies" are alphanumeric identifiers in the form of text files that are inserted and stored by your Web browser on your computer's hard drive. US Insurance Rates, its external service providers, internal service providers, and third-party advertising companies, may set and access cookies on your computer to track and store preferential information about you. US Insurance Rates, and its external service providers, internal service providers, and third-party advertising companies gather anonymous information about you through cookie technology on an aggregate level only. For example, a third-party advertising company may assign a cookie (and a Web beacon, described below) to you, to limit the amount of times you see a particular advertisement or to help better determine which advertisements to serve to you. Please note that most Internet browsers will allow you to stop cookies from being stored on your computer and to delete cookies stored on your computer.
Security
Personally identifiable information you submit to US Insurance Rates is password-protected for your privacy and security. In certain areas US Insurance Rates uses industry-standard SSL-encryption to protect data transmissions. In the unlikely event that an unauthorized third party compromises US Insurance Rates security measures, US Insurance Rates will not be responsible for any damages directly or indirectly caused by an unauthorized third party's ability to view, use or disseminate such information.
Links to Other Web sites
www.US Insurance Rates.com may include links to other third party Web sites. Such links are not an endorsement by US Insurance Rates of those Web sites and/or the products or services offered there. Third party Web sites may have different privacy policies and US Insurance Rates is not responsible for the privacy practices of those third party Web sites. If you click on a link to a third party Web site, US Insurance Rates encourages you to check the privacy policy of that Web site, as it may differ substantially from that of this Privacy Policy.
Access and Use of www.US Insurance Rates.com
www.US Insurance Rates.com is intended to be accessed and used only by adults and is not directed to children under the age of 18. US Insurance Rates does not knowingly permit registration or submission of personally identifiable information by anyone under the age of 18.
Changes to this Privacy Policy
US Insurance Rates reserves the right to update, amend and/or change this Privacy Policy at any time in its sole discretion and without notice. Updates to this Privacy Policy will be posted here. Any information US Insurance Rates collects from you online is subject only to US Insurance Rates’s most current Privacy Policy. You are encouraged to revisit this Privacy Policy from time to time in order to review any changes that have been made. US Insurance Rates’s last update was July 1, 2008. Your continued access and use of www.US Insurance Rates.com following the posting of any such changes shall automatically be deemed your acceptance of the same.
Questions or Concerns
If you have questions, comments, concerns or feedback regarding this Privacy Policy, send an e-mail to info@gobanking.com
Governing Law; Arbitration
You agree that: (i) www.US Insurance Rates.com shall be deemed solely based in the State of Californai; and (ii) www.US Insurance Rates.com shall be deemed a passive Web site that does not give rise to personal jurisdiction over US Insurance Rates, either specific or general, in jurisdictions other than the State of California. This Privacy Policy is to be governed by and construed in accordance with the internal laws of the State of California, without regard for principles of conflicts of laws. Any civil action, claim, dispute or proceeding arising out of or relating to this Privacy Policy shall be referred to final and binding arbitration, before a single arbitrator, under the commercial arbitration rules of the American Arbitration Association.
THEREFORE, YOU DO NOT HAVE THE OPPORTUNITY TO GO TO COURT TO ASSERT OR DEFEND YOUR RIGHTS AND YOU GIVE UP YOUR RIGHT TO PARTICIPATE IN OR BRING CLASS ACTIONS. BY USING WWW.US INSURANCE RATES.COM YOU CONSENT TO THESE RESTRICTIONS.
You and US Insurance Rates shall select the arbitrator, and if you and US Insurance Rates are unable to reach agreement on selection of the arbitrator within thirty (30) days after the notice of arbitration is served, then the American Arbitration Association shall select the arbitrator. Arbitration shall not commence until the party requesting it has deposited One Thousand Dollars ($1,000.00) with the arbitrator for the arbitrator's fees and costs. The party requesting arbitration shall advance such sums as are required from time to time by the arbitrator to pay the arbitrator's fees and costs until the prevailing party is determined or the parties have agreed in writing to an alternate allocation of fees and costs.
Judgment upon any award rendered by the arbitrator shall be final, binding and conclusive upon you and US Insurance Rates and your and US Insurance Rates's respective administrators, executors, legal representatives, successors and assigns, and may be entered in any court of competent jurisdiction. Notwithstanding the previous sentence, in no event shall either you or US Insurance Rates be entitled to punitive, special, indirect or consequential damages and both you and US Insurance Rates hereby waive your and US Insurance Rates's respective rights to any punitive, special, indirect or consequential damages, including, but not limited to, damages for any loss of profit, revenue or business.
If any portion of this Privacy Policy is deemed unlawful, void or unenforceable by any arbitrator, this Privacy Policy as a whole shall not be deemed unlawful, void or unenforceable, but only that portion of this Privacy Policy that is unlawful, void or unenforceable shall be stricken from this Privacy Policy.
The headings contained in this Privacy Policy are for convenience of reference only, are not to be considered a part of this Privacy Policy, and shall not limit or otherwise affect in any way the meaning or interpretation of this Privacy Policy.
All covenants, agreements, representations and warranties made in this Privacy Policy, as may be amended by US Insurance Rates from time to time, shall survive your acceptance of this Privacy Policy.