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Insuring CT.com - Privacy Policy

  1. Definition of “Personal Information
  2. What Type of Information We Collect and How We Collect It
  3. Use of Personal Information
  4. Use of Non-Personal Information
  5. Privacy Protection
  6. Notice of Changes to Privacy Policy
  7. Updating of Personal Information
  8. Internet Security Features
  9. Username and Password
  10. Opting Out of Company Surveys, Inquiries and Customer Information
  11. Links to and Privacy Policies of Other Websites
  12. Products and Services to Connecticut Residents Only
  13. Contacting Us
  14. Ability to Accept Terms and Conditions

InsuringCT.com (“InsuringCT”) is strongly committed to ensuring that your privacy is protected. This privacy policy sets out how InsuringCT uses and protects any personal information that you give us in order to serve as your Connecticut state-licensed insurance agent or to set up an account on this website. If you provide us with any “personal information” (as that term is defined below), we will not use this information or disclose it to anyone else except in accordance with this privacy policy. It is our goal to ensure that any personal information you provide to us will be protected. We strive to protect your personal information, limit access to it and to keep it private at all times.

We may amend this privacy policy from time to time by updating this website page. You should regularly revisit this page to keep yourself informed as to the most current version of this policy. This policy was posted to this page on July 9, 2009 and was last updated on this date.

We encourage you to read this privacy policy carefully and thoroughly. By using and visiting the InsuringCT.com website, you are consenting to the terms of this privacy policy.

1. Definition of “Personal Information”

“Personal information” for the purpose of this privacy policy is defined as any information that you may provide to us that can be used to identify you individually, including but not limited to your name, email address, home address, telephone or fax numbers, usernames, passwords, Social Security number, driver’s license number, state identification card number, bank account number, credit card or debit card number, passport number, alien registration number, health insurance identification number, as well as any company account number that we assign to you. Personal information also includes any information related to your health or medical history.

2. What Type of Information We Collect and How We Collect It

We collect both personal information and non-personal information about you. Certain information will be provided to us as soon as you visit our website. This includes your internet protocol (IP) address, information regarding your browser, the date and time that you visited the website and information regarding any website that referred you to this website.

We may collect also collect information about you that you provide to us, such as:

We may also collect information about you by using “cookies.” A cookie is a small file which asks permission to be placed on your computer's hard drive. Once you agree to accept a cookie, the file is added and the cookie helps analyze web traffic or lets you know when you visit a particular site. Cookies allow a website like ours to respond to you as an individual and to tailor its operations to your needs by gathering and remembering information about your preferences. For instance, when you sign into your InsuringCt.com account, a cookie may be used to remember your name, username and email address. This information will then be recalled the next time you visit our website from the same computer so you don’t have re-enter it in order to make your experience with our website faster and easier. You can choose to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. This may prevent you from taking full advantage of our website.

We may also use web beacons which track and monitor the ways that you use our website. We may also use clear gifs, which are similar to cookies except that they are smaller and invisible on our website page, to track your online movements. By using clear gifs and web beacons, we can provide more personal service to you by providing you with information, or recommend certain services or products, that we think you might like based on your previous usage of our website and your online movements in general.

Finally, we may obtain information about you from third parties, including but not limited to: information that we receive from external sources, including but not limited to credit reporting agencies, to determine your creditworthiness or to verify the information that you have provided to us; public information; information that we have received from our partners who may have referred you to our website; and information that we receive from any persons or entities to whom you have submitted forms or applications to, or requested quotes from, through our website.

3. Use of Personal Information

We will not sell, exchange, give away or otherwise transfer any of your personal information to any outside person or entity. We will not reveal or disclose your personal information to any outside person or entity, except to the following outside persons or entities in the manner described:

4. Use of Non-Personal Information

Non-personal information about you, including your IP address, information regarding your browser, the date and time that you visited the website and information regarding any website that referred you to this website, may be used by us for our internal purposes, including marketing purposes and in order provide better service to you and to our other customers. Non-personal information may be shared by us to any other third parties without restriction, unless we are prohibited by applicable law from sharing this information.

5. Privacy Protection

Pursuant to Section 42-471 of the Connecticut General Statutes, it is our policy to protect and safeguard your personal information, other than any of your personal information that is generally available to the public, by doing the following:

In the event that there is ever a breach of security regarding your personal information, we intend to comply with the requirements of Connecticut General Statutes Section 36a-701b, and any other applicable federal or Connecticut state laws, regarding the notification and disclosure to you of the circumstances surrounding the breach.

We are posting this section regarding privacy protection on our website, in compliance with the public display requirements of Connecticut General Statutes Section 42-471.

6. Notice of Changes to Privacy Policy

If you sign up for an account with us; submit an application, form or request for a quote through our website; or otherwise provide your personal information to us, we will notify you via email (or via any available alternative form of communication if we do not have your email address or if your email address is no longer valid) of any material changes that we make to our privacy policy that will change the manner in which the personal information that you provide to us will be stored or handled. You will have an opportunity to request that we no longer store or handle your personal information if you disagree with the material changes in our privacy policy and we will make reasonable efforts to accommodate your request. In the event that you have not provided us with any personal information, or in the event that the changes to the privacy policy are non-material or do not involve the manner in which your personal information will be stored or handled, then we will not provide you with any personal notice of the changes to our policy but will instead update this website page. We will further post a prominent notice on our home page notifying the users of this website that the privacy policy has been changed for a period of at least thirty (30) days following the change.

7. Updating of Personal Information

If you would like to correct or update your personal information, you may contact us by email at: info@insuringct.com or by regular mail at: 19 South Compo Rd. Westport, CT 06880. We may ask you for certain information verifying your identity prior to updating your personal information. In addition, you may update your name, email address and password and other personal information by logging into your personal account on this website and following the instructions to change your username or password and/or to update your personal profile page.

Please note that once any application, form or request for insurance quote has been submitted through our website to any health insurance company; licensed agent, agency or broker; or HSA trustee or administrator, you may have to contact that person or entity directly in order to update any personal information that is contained in the document that you submitted.

Please also note that we will never contact you by email asking you to input or update your personal information. Please notify us by email at: info@insuringct.com or call us at: 800-788-0241 if you receive such an email, and do not reply to this email as the email may be fraudulent.

8. Internet Security Features

9. Username and Password

If you create an account with us, you will be asked to input a unique username and password. You will not be allowed to use a username that has already been assigned to another user of this website. The password that you choose should be between 6-20 characters long and it should contain a combination of letters and numbers. You should not choose a password that is readily ascertainable by other people, such as your name, social security number, birth date, home address or other information that can be readily identified with you as an individual. You should never share your password with anyone.

If you forget your username, we can email that to you as long as you input the email address that you gave us when you opened your account. If you forget your password, we can send your password through email, provided that you gave us your email address when you opened up your account, provided that you input your email address and your username. If you do not recall either your username or your password, please contact us at: info@insuringct.com and we will try to assist you.

10. Opting Out of Company Surveys, Inquiries and Customer Information

We may contact you to inquire about your satisfaction with the services and theproducts that we offer through our website; to complete customer surveys and/or to notify you of additional products and services that we offer. You have the right at any time to opt-out of any of these inquiries, surveys and notifications and if you exercise your right to opt-out, we will not contact with regard to these inquiries, surveys and notifications.

If you want to opt-out of these inquiries, surveys and notifications, you may contact us by email at: info@insuringct.com or by regular mail at: 19 South Compo Rd. Westport, CT 06880. We also provide you with a link to opt-out of these inquiries, surveys and notifications in any inquiry, survey or notification that we send you via email or provide you with a box that you can check off and return to opt-out of these inquiries, surveys and notifications in any inquiry, survey or notification that we send you via regular mail. Please note that you will still receive communications from us regarding any insurance application, form or request for a quote that you receive from our website even if you opt out-of inquiries, surveys and notifications.

11. Links to and Privacy Policies of Other Websites

This privacy policy applies to the InsuringCT.com website only. This privacy policy may not apply to other websites that are owned and/or operated by InsuringCT.com and its parent company or any of their affiliates. This privacy policy does not apply to any other website that you are directed to through our website, or through links that you click on our website, but not limited to the websites of any health insurance companies; licensed agents, agencies or brokers; or HSA trustees or administrators to whom you have submitted an application, form or requests for quotes.

The procedures described in this privacy policy will apply to any applications, forms and requests for quotes initiated on this website to the extent that these documents are within our possession or control. Once possession and control of these documents is transferred by us to any health insurance company; licensed agent, agency or broker; or HSA trustee or administrator of your choosing, this privacy policy will only apply to any originals or copies of these documents that remain in our possession and control. For the originals or copies of these documents that have been transferred to the person or entity of your choosing; this privacy policy will no longer apply and you should search the website or contact that person or entity directly in order to review the privacy policy of that person or entity.

We are not responsible for the protection of your personal information when you visit any other websites besides this website. We are also not responsible for the privacy protection practices of any company that we do not own or website which we do not operate. So please be careful and responsible whenever you are using any other website that you have linked to or have been directed to from this website. While we strive to protect your personal information, by among other things ensuring that our affiliates and the persons that we are associated with have their own privacy policies in place, we cannot ensure or warrant the security of any personal information that is submitted to any outside person or entity or to any other website besides this website. So any personal information that is submitted by you to any outside person or entity or to any other website besides this website, whether or not the submission is done directly or indirectly through this website, is done at your own risk.

12. Products and Services to Connecticut Residents Only

The insurance policies and other products and services offered through this website are intended to be offered to Connecticut residents only. We will not request any personal information from any person who is not a Connecticut resident nor will you be authorized to open up an account on this website. If you are not a resident of the State of Connecticut, please be advised that this privacy policy may not be as comprehensive or provide as much protection as may be required by the applicable laws or your particular state or country. Nonetheless, we will take steps to ensure that any non-personal information that we collect about you, and any personal information that we inadvertently or unknowingly collect about you, is protected in accordance with the provisions of this privacy policy.

13. Contacting Us

If you have any questions or concerns regarding this privacy policy, or any of the procedures that we have implemented for protecting your privacy pursuant to this privacy policy, you may contact us as follows:

By email at: info@insuringct.com
By regular mail at: 19 South Compo Rd.
Westport, CT 06880
By telephone at:800-788-0241

14. Ability to Accept Terms and Conditions

By using this website, you affirm that you are more than 18 years of age and are fully able and competent to agree to and accept the provisions of this privacy policy. The InsuringCT.com website is not intended for anyone under the age of 18. If you are not at least 18 years of age, or are not otherwise legally competent, then please do not use the Insuring CT.com website and please do not submit any of your personal information onto this website.

CT Health Insurance Advisor

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