Privacy Policy - IntelliQuote Insurance Services

IntelliQuote Insurance Services provides you with insurance related tools and information to help you shop online for insurance products. Most of this information is available to you without the need to disclose any personally identifiable information. If you decide to request a quote for insurance we will ask you for minimal personal information to help us display the best possible insurance rates and carriers. If you select an insurance carrier and request an application, we will ask you for additional information needed to initiate the process online.

Committed to Protecting Your Privacy

IntelliQuote Insurance Services is committed to protecting your privacy. Our commitment to you starts with this Privacy Policy. The following information sets forth the details of our Privacy Policy:

Why We Need to Collect Your Information
What Information We Gather and How We Use It
How We Communicate With You
Choices You Have Regarding Your Information
Security Procedures Used to Protect Your Information
How to Correct Inaccuracies in Your Information
Children's Guidelines
Links to Other Sites
Changes to IntelliQuote Insurance Services's Privacy Policy
Contacting the Web Site

Why We Need to Collect Your Information

We collect information from you to prepare insurance quotes you request, to initiate the application request process online, to contact you during the application process, and to keep you informed about important insurance related information.

What Information We Gather and How We Use It

• Insurance Rate Comparison Form

  A brief form you complete to view rates from various insurance companies. The form requires information such as your state of residence and date of birth to generate the best possible insurance rate comparisons. Providing contact information such as your e-mail or phone number will be viewed as your express invitation that we, or any of our affiliate partners, may contact you about insurance, even if you are on a state or federal "Do Not Call" list.

• Insurance Application Request Form

  A form which allows you to request an application online for insurance coverage. The form requires additional contact, medical and lifestyle information. This information is required whenever you buy life insurance. Upon receipt of your application request, an IntelliQuote Insurance Services representative or one of our vendor partners may contact you to collect additional information to complete the application process by telephone.

  When you apply for or buy a policy through IntelliQuote Insurance Services, we act as the agent for the insurance company to which the application is sent. We provide customer information as required to process the application and service the policy, and we may use such information to offer other products or services to our customers. Except for these purposes, or as required or permitted by law, we do not disclose customer information.

• How insurance carriers use your information

  Information gathered during the application process is submitted to the insurance company you selected. Insurance companies use personally identifiable information to determine your final insurance eligibility and rates. Insurance underwriting criteria may vary for each participating insurance company, and each company may place different emphasis on different information on your application. The participating insurance companies all have their own privacy policies, which are separate from the IntelliQuote Insurance Services Privacy Policy.

• Cookies

  A cookie is a small text file saved on your computer's hard drive and stored in memory while your browser is running. Cookies make it easier for you to navigate the Web, and to complete transactions over the Internet. Usage of a cookie is in no way linked to any personally identifiable information while on our web site. IntelliQuote Insurance Services may contract with certain partners that utilize ad-serving technology. To gauge the effectiveness of advertisements, these companies may place and retrieve a cookie on your computer when you view web pages where these ads appear, or when you click on the ads.

• Log Files

  As our web server transmits content, it also generates a log that records specific information, including the Internet address of the computer or server contacting us, the date and time, the referring web site and its URL, and the visitor's browser and operating system. We use software to analyze this log for trends, to administer the web site, to identify most frequently visited pages, and to gather broad demographic information. We use server log data for internal purposes only, and do not share it with other individuals, agencies, or companies. We do not use these technologies to capture or share your individual e-mail address or any personally identifying information about you. Understanding how visitors in general use our web site helps us to improve it for you.

How We Communicate With You

Depending on your needs and preferences, we employ a variety of methods to communicate with you. These methods may include:

• Contact by telephone to verify information and to assist you with your life insurance application request or policy.

• Contact by direct mail to assist you with your life insurance application request or policy.

• Contact by email to verify information, to assist you with your life insurance application request or policy, to conduct surveys, and to provide you with additional insurance information, service announcements, special offers or other money saving opportunities.

• IntelliQuote Insurance Services has a partnership with Matrix Direct and America Direct. After you have shopped for life insurance on iq.our web site, we may share the information you entered online with Matrix Direct or America Direct so that an insurance agent may contact you about your life insurance needs.

  In Association with Matrix Direct Insurance Services.
  Not available in some states.
  Ron Harris, Licensed Agent CA #OB57619

  America Direct Insurance Agency, Inc. is licensed to do business in all states and the District of Columbia, except for CO, HI, MA, NV, NH, NY, and VT. CA license number: 0F17053. America Direct's MN license number: 20578682. America Direct's TX license number: 1394138.

Choices You Have Regarding Your Information

• Quote Request and Application Request Forms

  Providing personal contact information on our web site is necessary to receive an application so that we may assist you in your life insurance needs. Brief medical information is also required to request an application for life insurance and the information provided does not prohibit you in any way from applying for life insurance. Alternately, you may call us at 1-800-963-6405 and we will be happy to quote insurance rates and complete your application request by telephone.

• Notification of Offers

  In the future, IntelliQuote or an IntelliQuote affiliate may provide you with information about offers by mail, phone, fax, or e-mail that may interest you. When you fill out our quote or Application request form you are explicitly initiating a relationship with us (as defined by the National Do Not Call Registry), inviting and consenting to the receipt of information by IntelliQuote and its affiliate partners which may be received by mail, phone, fax or e-mail, and, as such, you are indefinitely waving any right to claim that we, or our affiliates, contacted you without your express consent.

  We will immediately honor any request to be placed on our internal "do not contact" list.

  If you would like to unsubscribe from receiving e-mail advertisements from IntelliQuote, follow the instructions in the advertisement itself, or simply Unsubscribe online. Please note that it can take up to 10 days to process your request.

• Cookies

  You may elect to disable cookies in your browser. Please refer to your computer or operating system user manual for information on how to disable cookies.

Security Procedures Used To Protect Your Information

Unless you give us permission to do so, or unless law requires us, we do not willfully use or disclose personally identifiable information to third parties, other than as necessary to facilitate the process of obtaining insurance for you.

We store information we collect through server log files and/or secure databases. IntelliQuote Insurance Services uses the latest server software and encryption technologies to help protect your personal information. Secure Socket Layer (SSL) technology encrypts the information you've provided online as it travels between your computer and IntelliQuote Insurance Services. We recommend that you use a browser that supports SSL, and that you have not disabled the encryption feature in your browser.

IntelliQuote Insurance Services also uses other security procedures and practices, including keyed-entry server rooms and firewalls, to protect your data from unauthorized use or disclosure.

Although we have many security provisions in place, if you feel uncomfortable submitting any personal information through the IntelliQuote.com web site, you may call us at 1-800-963-6405.

How to Correct Inaccuracies in Your Information

If you have received a communication from us in error, or if you wish to change your information, please E-Mail Us. We'll respond to your inquiry via e-mail, and we will advise you as to the action we have taken.

Children's Guidelines

Although this web site is intended for the use of adults, and is not of likely of interest to children, the forms on this site are capable of collecting online contact information from children who furnish it without prior parental consent or parental notification. Upon discovery that we have received information supplied by children, such information shall be disregarded and deleted.

Links to Other Sites

This site contains links to other web sites. IntelliQuote Insurance Services is not responsible for the privacy policies and procedures or the content of such web sites. Please contact the owners of these web sites for information regarding their privacy policies.

Changes to Our Privacy Policy

We reserve the right to change our privacy policy. If changes are made, we will post these changes to this Privacy Policy and to other relevant places on our web site so that visitors are aware of the change. We encourage you to check this posted Privacy Policy for updates.

Contacting the Web Site

If you have any questions about our Privacy Policy, please E-Mail Us. If you have any questions regarding the practices of this web site or your dealings with this web site, you can contact the IntelliQuote.com Customer Care department:

Customer Care
5170 Golden Foothill Parkway
El Dorado Hills, CA 95762
Tel: 1-800-963-6405
Fax: 916-673-2072

You may also contact the owner of the IntelliQuote.com web site:

Gary Lardy
IntelliQuote.com
5170 Golden Foothill Parkway
El Dorado Hills, CA 95762
Tel: 1-800-963-6405
Fax: 916-673-2072