This document was last updated October 3, 2005.
We are committed to protecting your privacy and to developing technology that
gives you the most powerful and secure online experience. We want to provide an
effective, convenient comparative shopping environment. We appreciate your
trust, and we treat your information with care and sensitivity. By using
campuswestinsurance.com, you consent to the data practices described in this
statement. This policy may change periodically, so please check back from time
to time. For your information, the date of the last update to this Privacy
Policy is stated at the top of this document. In addition to this Privacy
Policy, your use of the site is also subject to our Terms of Use.
We may collect the following nonpublic personal information:
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Information that you submit when you register with our site in order to receive
newsletters or other announcements by e-mail or to request an insurance
application;
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Information that you submit on our online form when you request an insurance
application, such as your name, address and, depending on the coverage you
seek, auto ownership, income or asset information;
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Information that you submit as a request for insurance answers. (These
responses are for information purposes. It should not be interpreted as a
recommendation to buy or sell any insurance product, or to provide financial or
legal advice.);
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Information collected by the insurance agencies or insurance companies that
respond to your online or telephone requests, including application information
described above, credit information if requested, and information about the
insurance policies you purchase; and
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Information about your transactions with us or with insurance agencies and
insurance companies accessible through this site. We may disclose the
information described above to:
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Insurance agents or insurance companies as needed to fulfill your rate requests
and/or policy requests;
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campuswestinsurance.com may share your personal information with companies that
perform fulfillment services, technology or marketing services on our behalf
(such as data processing, research or email services);
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Other Companies. campuswestinsurance.com may share your personal information with
other trusted companies (including carefully selected marketing partners) in
compliance with this Privacy Statement and applicable law;
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To others only if you consent or as permitted by law.
We restrict access to nonpublic personal information about you to employees of
campuswestinsurance.com or of our service providers that have agreed to maintain its
confidentiality. We maintain physical, electronic and procedural safeguards
that guard your nonpublic personal information.
We provide a secure environment for your personal data and transactions on every
page of our quoting and policy writing application, which is approved by
Thawte.
Click the logo at the bottom of this page.
Here are the types of information we gather.
Information You Give Us: We receive and store any information you enter on our
Web site or give us in any other way. When you request a quote or purchase a
policy on this site we ask for your personally identifiable information such as
your name, phone number, address, e-mail address and social security number.
Transaction Information: This is information directly relating to the services
you acquire using our services. It includes services provided to you and
associated costs, payment history, insurance claims history, and information
necessary for ongoing service, billing and payment.
Consumer Report Information: In order to provide you with a quote our service
providers may order consumer reports relating to your credit, driving record
and loss history. If you request they will provide you with the name and
address of the consumer reporting agency from whom the reports were ordered. By
obtaining quotes or applying for services on our site, you are consenting to
the ordering of such reports.
Automatic Information: We receive this information from your computer when you
visit our Web site, including the Web site you visited before ours, your
browser, screen resolution, and operating system. We also store "cookies" on
your computer to save information entered during the quoting and comparative
rate process, and collect technical data, such as your Internet protocol (IP)
address, operating system, and session ID.
Information from Other Sources: We will receive information from those referring
you to us. We will keep and update information necessary to provide comparative
quotes and to service policies. We might receive information about you from
other sources and add it to our account information.
Here is how we use the information you provide.
We use your personal information to create your quote. We transmit this
information to participating service providers to quote and ultimately provide
you with the services you select.
We may share aggregated statistical information from our database with our
participating service providers or business partners (for example, the
percentage of customers who purchased services relative to those who got a
quote). When doing this type of reporting we will not disclose your personally
identifiable information.
All information you give us on this Web site is stored on our computer servers.
You may, for example, retrieve this information to get an updated quote.
Our business changes constantly. This Privacy policy will change also, and use
of information that we gather now is subject to the Privacy Notice in effect at
the time of use. We invite customers to visit the website occasionally to check
for program changes and the latest Privacy Statement. Please note that this
Privacy Policy only governs the data held by campuswestinsurance.com and does not
apply to the participating service provider once you purchase their services.
We encourage you to read their policies.
We use your e-mail address to confirm your purchases and to provide you
reminders about our products and services. You can opt out of receiving future
e-mail reminders from campuswestinsurance.com by indicating that desire
here.
You can always choose not to provide personal information, even though it might
be needed to obtain a quote or obtain service.
At any point while completing the quote questionnaire you can navigate to
previous pages and make any necessary changes. When you save your quote
information you can return at any time to change the information. Simply log in
on the site, select Review or Purchase. To change the information displayed,
type the new data in the form and click the Continue button found on the page.
If you do not want to receive e-mail or other mail from us, you may indicate
this. Such an indication would include notices we might send out regarding
changes in policies, such as changes to this Privacy Policy. The change will
still govern, and it is your responsibility to review these policies for
changes. You can choose not to receive this information by:
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Using our online opt out form.
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Sending an e-mail to CustomerService@campuswestinsurance.com; or
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Calling
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The "help" portion of the toolbar on most browsers will tell you how to prevent
your browser from accepting new cookies, how to have the browser notify you
when you receive a new cookie, or how to disable cookies altogether. However,
you will not be able to easily retrieve your quote if you do not allow cookies.
Here is how we safeguard your information.
Our systems are configured to provide privacy, integrity, and authentication in
Internet communications. The security measures we have taken help ensure that
your data is secure and encrypted, so that a third party cannot capture, read
or access the information while it is in transit between your computer and our
system. Some of the key features are outlined below.
We use a secure server implementing the Secure Sockets Layer (SSL) protocol to
interact with you when you provide personal information during the purchase and
payment processes;
Your information is encrypted using 128 bit encryption. AOL, Netscape Navigator
4.06 or higher and Microsoft's Internet Explorer 4.01 or higher are capable of
128-bit browsers. You can tell when you are visiting a secure area in our site
by looking at the symbol on the bottom of your browser screen. If you are using
Netscape Navigator or Internet Explorer, you will see either a lock or a key.
When the symbol appears unbroken or the padlock is in the locked position, your
session connection is taking place via a secure server.
Our data security architecture provides for extraordinarily limited access to
your credit card or checking account information, though we do transmit the
entire number to the appropriate service provider when you purchase a service;
and
We limit internal access to our servers and require that our people adhere to
high standards of ethics and integrity in performing their jobs and conducting
business. Unfortunately, no data transmission over the Internet can be
guaranteed to be 100% secure. As a result, while we strive to protect your
personal information, campuswestinsurance.com cannot ensure or warrant the security of
any information you transmit to us or any information provided by our on-line
products or services, and you do so at your own risk. campuswestinsurance.com will not
be liable for disclosures of your personal information due to errors in
transmission or unauthorized acts of third parties. However, once we receive
your transmission, we make our best effort to ensure its security on our
systems.
It is important for you to protect against unauthorized access to your password
and to your computer. Be sure to close all browser applications when finished
using a shared computer.
With whom we share this information.
Information about our customers is an important part of our business, and we are
not in the business of selling it to others. We disclose information about you
to the following people:
The service providers who may be providing comparative rates to you. They may in
turn disclose this information to others to complete a quote, complete a
transaction, and service you after that transaction. The information sought may
include credit reports, motor vehicle reports, previous claims activity and
other relevant information. The parties providing this information include
affiliated insurance underwriting companies, claims representatives,
independent contractors, insurance support organizations, insurance agents and
brokers, and courts and government agencies.
We may also disclose quote information and transaction information about you and
our former customers to companies that perform marketing services on our behalf
or to third parties with whom we have joint marketing agreements, and to
companies that have referred you to us or that have a relationship with you.
As we continue to develop our business, we might sell or buy other companies or
assets. In such transactions, customer information generally is one of the
transferred business assets. Also, in the unlikely event that campuswestinsurance.com,
Inc., or substantially all of its assets are acquired, customer information
will of course be one of the transferred assets. We employ other companies and
individuals to perform functions on our behalf. Examples include fulfilling
orders, delivering packages, sending postal mail and e-mail, removing
repetitive information from customer lists, analyzing data, providing marketing
assistance, processing credit card payments, and providing customer service.
These companies have access to personal information needed to perform their
functions, but may not use it for other purposes.
Aggregate Information: campuswestinsurance.com shares the information you provided in
aggregate form, to serve ads and to provide on-line and off-line promotions.
When we say that we will share such information in "aggregate" form, we mean
that we will not disclose individual names, addresses, telephone numbers, email
addresses, or other personally identifiable information unless we have your
permission.
We release account and other personal information when we believe release is
appropriate to comply with law, or to protect the rights, property, or safety
of our users, or others. This includes exchanging information with other
companies and organizations for fraud protection and credit risk reduction. We
may also share information with other third parties to administer our business
or provide additional related services, and as otherwise permitted or required
by law.
Our site has PartnersAffiliations to other web sites.
During your visit to our site, you may come across PartnersAffiliations that will take you to
third-party Web sites. campuswestinsurance.com does not control the content of or the
information collected from these third-party Web sites. These third-party Web
sites are not subject to campuswestinsurance.com's Privacy Policy. PartnersAffiliations to
third-party sites do not constitute sponsorship, endorsement, or approval by
campuswestinsurance.com of the content, policies, or practices of such sites.
Therefore, we encourage you to review the privacy policies of these sites
before you disclose your personal information to these other parties.
Protecting Children
campuswestinsurance.com does not sell products for purchase by children nor is this
site intended for use by children. campuswestinsurance.com abides by the Children's
On-Line Privacy Protection Act.
Use, notices and revisions
If you choose to visit campuswestinsurance.com, your visit and any dispute over privacy
is subject to this Policy and our Terms
of Use, including limitations on damages, arbitration of disputes, and
application of the law of the state of Florida. If you have any concern about
privacy at campuswestinsurance.com, please send us a thorough description to
CustomerService@campuswestinsurance.com and we will try to resolve it. We may e-mail
periodic reminders of our notices and conditions, unless you have instructed us
not to, but you should check our Web site frequently to see recent changes.