We collect nonpublic personal information from you about you and/or your employees to properly research the requested insurance quotes. This nonpublic personal information may come from the following sources:

Application Information and Other Forms

On the request or application for quotes or insurance or other forms completed by you, you provide us with most of the information we need to process your request.

Transaction Information

We may develop information about you and your employees based on transactions and experiences you have with us, our affiliates, or others.

Third-party Information

This is information that we receive to verify or supplement your application.

Disclosing Information

In the course of conducting business and as permitted or required by law, we may share nonpublic personal information about you and/or  your employees with our affiliated companies. We do not disclose any nonpublic personal information about you and/or your employees to any nonaffiliated third parties, except for the conduct of our business or as permitted or required by law. Information may be supplied to others providing business services for us. Additionally, we may provide information for audit or research purposes or to law enforcement agencies to help us prevent fraud.

Securing Information

We restrict access to nonpublic personal information about you and/or your employees to our agents who need to know the information necessary to provide products or services to you. We maintain electronic, and procedural safeguards that comply with applicable regulations to guard the nonpublic personal information of you and your employees.

Do not Track

Inc Insurance Services does not track its customers over time and across third-party websites to provide targeted advertising and, therefore, does not respond to Do Not Track (DNT) signals. However, some third-party sites do keep track of your browsing activities when they serve you content, which enables them to tailor what they present to you.

Third parties that have content embedded on an Inc website (such as our web chat feature) may set cookies on a user’s browser and/or obtain information about the fact that your web browser utilized the chat feature from a certain IP address. Third parties cannot collect any other personally identifiable information from Inc website unless you provide it to them directly.

Procedures for Making Changes to 

Third-Party Websites

Access to any third-party website is provided to you only as a convenience. We do not endorse, control, or approve the products, services, or information offered to you on any third-party website. If you decide to access a linked third-party website, you do so solely at your own risk and you are therefore responsible for protecting yourself against viruses or other destructive elements that may occur or result from your use of any third-party website.

Information Collection Policies

Some pages on this website collect information directly from individuals who volunteer to use our services. Collection of this information is required to deliver the specific quotes and/or services, but use of these services is voluntary. If you do nothing during your visit to the website but browse or download information, some pages may automatically collect and store the following information about your visit:

• • The internet protocol address, domain name, and email address used
  • The type of browser and operating system you used
  • The date and time you visited this website
  • The web pages or services you accessed at this site
  • The website you visited prior to coming to this website
  • The website you visit as you leave this website
  • If you downloaded a form, the form that was downloaded
  • Details about what you did on our website, including data entered into form fields

Children’s Privacy

This website is not directed or intended for children.

Inc does not knowingly collect or post information from children under the age of 13 pursuant to laws protecting children’s privacy including the Children’s Online Privacy Protection Act (COPPA).

Encryption Technology

Inc protects your personal/private information through the use of encryption technology.

We use industry standard security protocol (Secure Sockets Layer or “SSL”) to ensure that the connection between your browser and our server remains protected. Unfortunately, no data transmission over the internet or data storage system can be guaranteed 100% secure. If you believe your connection with us is no longer secure for any reason, please notify us.

Your Right to Know About Personal Information Collected, Disclosed, or Sold

You have the right to request that we disclose to you information about the collection and use of your personal information including:

• The categories of personal information we have collected about you;
• The categories of sources from which we have collected the personal information;
• The business or commercial purpose for collecting or selling personal information;
• The categories of third parties to whom we share personal information;
• The specific pieces of personal information we have collected about you;
• The categories of personal information we have disclosed about you for a business purpose; and
• The categories of third parties to whom your personal information as disclosed, by categories or
• categories of personal information disclosed.

We do not sell personal information about consumers.

Information We Collect

“Personal information” means information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or household. Personal information does not include publicly available information.

We may collect the following categories of your personal information:

• Personal identifiers: a real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, social security number, driver’s license number, passport number, or other similar identifiers.
• Personal information under Cal. Civ. Code § 1798.80(e): a name, signature, social security number, physical characteristics or description, address, telephone number, passport number, driver’s license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information.
• Characteristics of protected classifications under Federal and California law: race, color, ancestry, national origin, religion, gender (including pregnancy, childbirth, or related medical conditions), disability, age (40 and older), genetic information, marital status, sexual orientation, gender identity and gender expression, AIDS/HIV status, medical conditions, political activities or affiliations, military or veteran status, and status as a victim of domestic violence, assault, or stalking.
• Commercial information: records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.
• Biometric information: physiological, biological or behavioral characteristics that can be used, singly or in combination with each other or with other identifying data, to establish individual identity. Biometric information includes, but is not limited to, imagery of the iris, retina, fingerprint, face, hand, palm, vein patterns, and voice recordings, from which an identifier template, such as a faceprint, a minutiae template, or a voiceprint, can be extracted, and keystroke patterns or rhythms, gait patterns or rhythms, and sleep, health, or exercise data that contain identifying information.
• Internet or other electronic network activity information: browsing history, search history, information regarding interaction with a website, application, or advertisement, and other similar information.
• Geolocation data: physical location.
• Sensory data: audio, electronic, visual, thermal, olfactory, or similar information.
• Professional or employment-related information: job history or other employment information.
• Education information: non-public education information as defined in 20 U.S.C. § 1232g, 34 C.F.R. Part 99, such as transcripts, grades, class schedules, financial aid, or other records, files, documents or materials containing non-public information directly related to a student and maintained by an educational agency or institution.
• Inferences drawn from other categories of personal information: to create a profile about a consumer reflecting the consumer’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.

We collect each category of personal information about consumers from the following categories of sources:

• Directly from you or someone providing information on your behalf, such as an insurance agent or your employer in connection with obtaining commercial insurance;
• External data sources, such as consumer reporting agencies and other companies that provide data related to a specific consumer, business, or property;
• Via our website, directly or indirectly from information submitted through a web portal or through the use of cookies and other data tracking systems. Refer to our Website Privacy Policy for additional information;
• Sources used to facilitate the transaction of insurance and the investigation of associated claims including, but not limited to, medical providers, regulators, auditors, attorneys, investigators, adjusters, and other insurance companies.

We collect each category of personal information about consumers for the following business or commercial purposes:

• To facilitate the transaction of insurance and the investigation of associated claims;
• Auditing related to a current interaction with the consumer and concurrent transactions;
• Detecting security incidents, protecting against malicious, deceptive, fraudulent, or illegal activity, and prosecuting those responsible for that activity;
• Debugging to identify and repair errors that impair existing intended functionality;
• Undisclosed short-term, transient use;
• Performing services on behalf of the business or service provider;
• Undertaking internal research for technological development and demonstration;
• Undertaking activities to verify or maintain the quality or safety of a service;
• To confirm eligibility for insurance benefits or payments;
• To detect or prevent crime or fraud;
• In response to subpoenas, search warrants or other court orders;
• For actuarial or research studies;
• In connection with a sale of our business;
• In connection with employment or application for employment;
• In connection with your provision of services to us;
• As otherwise required by law.

We will provide you notice and obtain your explicit consent if we collect additional categories of personal information or use the personal information we previously collected for materially different purposes.

Information We Disclose

In the last 12 months, we have disclosed the following categories of personal information about consumers for a business purpose:

• Personal identifiers;
• Personal information under Cal. Civ. Code § 1798.80(e);
• Characteristics of protected classifications under Federal and California law;
• Commercial information;
• Internet or other electronic network activity information;
• Geolocation data;
• Sensory data;
• Professional or employment-related information;
• Education information.

We only share personal information about consumers within our Company or as required by law.

Right to Delete

You have the right to request that we delete from our records the personal information we have collected about you, subject to certain exceptions. Once we receive and confirm your request, we will determine whether an exception applies. If an exception does not apply, we will delete your personal information from our records. We will also direct our service providers to delete your personal information from their records. If an exception applies, we will not delete your personal information from our records and we will notify you in writing of the reason that we are denying your request to delete your information from our records.

Non-Discrimination

A business may not discriminate against a consumer because the consumer exercised any of the foregoing rights.

Consent SMS

• SMS Consent: SMS Consent Will not be shared, sold or disclosed with any third party or any other individuals.

Authorized Agent

You may use an authorized agent to submit requests to us as described in this privacy notice. An authorized agent is a natural person or a business entity that you have authorized to act on your behalf. If you use an authorized agent to submit a request to us, we will require you to (1) provide the authorized agent with written permission to make requests on your behalf and then verify the consumer’s own identity directly with us; or (2) provide the authorized agent with a power of attorney pursuant to Probate Code sections 4000 to 4665. We may deny a request from an agent that does not submit proof that they have been authorized by you to act on your behalf.