This policy covers how Insuranceopedia.com treats personal information that we collect and receive, including information related to your past use of our products and services. Personal information is information about you that is personally identifiable such as your name, address, email address, or phone number, and that is not otherwise publicly available.
Information Collection and Use
Insuranceopedia.com collects personal information when you register with Insuranceopedia.com, when you use the site and services offered on the site, when you visit pages on the site or the pages of certain partners, and when you enter promotions or sweepstakes. Insuranceopedia.com may also combine information about you that we have with information we obtain from business partners or other companies.
Insuranceopedia.com uses such information for the following general purposes: to customize the advertising and content you see, fulfill your requests for products and services, improve our services, contact you, conduct research, and provide anonymous reporting for internal and external clients. When you register we may ask for information such as your name, email address, birth date, gender, postal code and company demographics of the company you work for. When you register with Insuranceopedia.com and sign in to our services, you are not anonymous to us.
Insuranceopedia.com collects information about your transactions with us and with some of our business partners, including information about your use of the products and services that we offer. Insuranceopedia.com automatically receives and records information on our server logs from your browser, including your IP address, Insuranceopedia.com cookie information, and the pages you request.
Information Sharing & Disclosure
Insuranceopedia.com does not rent, sell, or share personal information about you with other people or nonaffiliated companies except to provide products or services you request, when we have your permission, or under the following circumstances:We provide the information to trusted partners who work on behalf of Insuranceopedia.com under confidentiality agreements to provide services in support of the site. These companies may use your personal information to help Insuranceopedia.com communicate with you about offers from Insuranceopedia.com. However, these companies do not have any independent right to use or share this information. We may sometimes share aggregate non-personal information with third parties about how our users utilize the site and services. This aggregate information is typically in the form of statistics, such as numbers of Insuranceopedia.com users who live in a particular locale or fall within a particular age group. Such aggregate information is gathered from individual Insuranceopedia.com users' information but is not traceable to any specific identifiable Insuranceopedia.com user. Insuranceopedia.com may share personal information with third parties to the extent required to respond to subpoenas, court orders, or legal process, or to establish or exercise our legal rights or defend against legal claims. Insuranceopedia.com may also share personal information in order to investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, violations of the Insuranceopedia.com Terms of Service, or as otherwise required or permitted by law.
You will be notified when your personal information is collected by any third party that is not our agent/service provider, so you can make an informed choice as to whether or not to share your information with that party.
Use of Personal Information with Tell-A-Friend Features
If you choose to use our referral service to tell a friend about our site, we will ask you for your friend's name and email address. We will automatically send your friend a one-time email inviting him or her to visit the site. Insuranceopedia.com does not store this information. It is used for the sole purpose of sending this one-time email and tracking the success of our referral program.
Use of Personal Information with Marketing Partners and Co-Registration
In instances where Insuranceopedia.com and a marketing partner are offering a special value (i.e., a free offering) to our users, we may share your personal information with such partners By signing up to receive items through these promotions, you are expressly consenting to Insuranceopedia.com sharing your personal information (“co-registration”) with such partners and you will become subject to their privacy policies, which may vary from those of Insuranceopedia.com. In the event that you would like to opt-out of receiving offers from these partners, you must do so directly with them. If you have any problems contacting one of our partners, contact us and we will help you resolve the situation.
Newsletters and Alerts
If you wish to subscribe to our newsletter(s) or alert system, we will use your name and email address to send the newsletter or alert to you. Out of respect for your privacy, we provide you a way to unsubscribe. If you no longer wish to receive our newsletter, alerts and promotional communications, you may opt-out of receiving them by following the instructions included in each communication or by contacting us . We also offer an opportunity to opt-out of certain communications on your Edit Profile page
Use of Personal Information Posted on Forums
If you use a forum on this Website, you should be aware that any personally identifiable information you submit there can be read, collected, or used by other users of these forums, and could be used to send you unsolicited messages. We are not responsible for the personally identifiable information you choose to submit in these forums.
You can set up your browser to reject cookies or tell you when a cookie has been sent. However, cookies allow you to take full advantage of Insuranceopedia.com features and are required for the use of the Site. We hope you will leave them turned on.
Insuranceopedia.com also uses Web beacons (also known as action tags or single pixel gifs) to allow us to count how many people have visited a certain page. This enables us to assess the popularity and effectiveness of the material posted on the Insuranceopedia.com website. Additionally, we sometimes use Web beacons to access Insuranceopedia.com cookies inside and outside our Web pages and in connection with Insuranceopedia.com products and services. A Web beacon is a transparent image placed on a Web page that sends a signal when a person visits that page. This enables us to assess the popularity and effectiveness of the material posted on the Insuranceopedia.com website. We may also use Web beacons in connection with emails sent to Insuranceopedia.com users to let us know whether and when the email was opened.
We do link the information we store in cookies to any personally identifiable information you submit while on our site.
Third-Party Ad Serving
We send to your Web browser many of the advertisements you see when you use our network of websites. However, we also allow other companies, called third-party ad servers or ad networks, to serve advertisements within our Web pages. Because your Web browser must request these advertising banners from the ad network Website, these companies can send their own cookies to your cookie file, just as if you had requested a Web page from the site. Please note that if an advertiser asks us to show an advertisement to a certain audience or audience segment and you respond to that ad, the advertiser or ad-server may conclude that you fit the description of the audience it is trying to reach. As always remember, we only authorize our third-party ad servers to employ anonymous cookies for ad delivery and anonymous targeting. Our third-party ad servers do not collect, nor do we give them access, to any personally identifying information about you.
We also use third-party ad servers to serve ads on our behalf across the Internet. They may collect anonymous information about your visits to Insuranceopedia.com, and your interaction with our products and services. They may also use information about your visits to this and other Web sites to target advertisements for goods and services. This anonymous information is collected through the use of a Web beacon or pixel tag, which is industry standard technology, used by most major websites.
Opting Out of Third-Party Ad Servers
If you want to prevent a third-party ad server from sending and reading cookies on your computer, you must visit each ad network's website individually and opt out.
Editing and/or Deleting Account Information and Preferences
You can edit the information contained in your account at any time by clicking on MY ACCOUNT after logging on to Insuranceopedia.com. You can delete your Insuranceopedia.com account by visiting the ACCOUNT SETTINGS page within your account. Although you account will be deactivated immediately, information provided to us while you were a registered user may remain in back-up storage on our servers indefinitely. Nevertheless, once you delete your account, this information will be inaccessible to the public.
Confidentiality and Security
Insuranceopedia.com limits access to personal information about you to employees who we believe reasonably needs such information to provide products or services to you or in order to do their jobs. In addition, Insuranceopedia.com maintains physical, electronic, and procedural safeguards that comply with federal regulations to protect personal information about you.
Although Insuranceopedia.com takes your privacy seriously and will take reasonable and customary measures to protect it, we cannot guarantee that there will be no unauthorized use of your personal information.
If you register for the site and services and create a User Account, you will be provided a username and password for such User Account. You acknowledge that you are responsible for maintaining the confidentiality of the password as well as any and all activity that occur under your User Account and password. You agree that at the end of each session using the Site and Services, you will exit your User Account. In the event of any unauthorized use of your password and/or User Account, you agree that you will immediately notify Insuranceopedia.com by sending an email to <%= Globals.configSettings.GeneralEmailAddress %>. Insuranceopedia.com cannot and will not be liable for any and all losses or damages arising from your failure to comply with this Section.
Access to Personal Information
If at any time you would like to review the personal information we collect about you, just ask. You should send an email to <%= Globals.configSettings.GeneralEmailAddress %> from the email account you used to create your account and we will provide you with a summary, as well as an opportunity to correct and update this information.
If you have questions or suggestions, please complete the form on our Contact Us page or write us at:
Insuranceopedia Inc. o/a Insuranceopedia.com
Suite 101, 1289 - 91 Street SW
Edmonton, Alberta Canada T6X 1H1