Version Date: October 18th 2019
Insuranks.com (“Company”, "Insuranks", "Insuranks.com", or “we” or “us” or “our”) respects the privacy of its users (“user”, "insuranker", "customer" or “you”) that use our website located at
www.insuranks.com, including other media forms, media channels, mobile website or mobile application related or connected thereto
about the types of information that Company may gather about or collect from you in connection with your use of the Website.
It also is intended to explain the conditions under which Company uses and discloses that information, and your rights in relation to that
(which appears at the beginning of this document) and review any changes since the last time you used the Website.
Company is based in Israel and our website is hosted in the United States of America and is subject to Israeli and U.S. state and federal law. If you are accessing our Website from other jurisdictions, please be advised that you are transferring your personal information to us in the United States and/or Israel, which will be used for the purpose of serving you, and by using our Website,
laws of Israel, applicable states and U.S. federal law concerning your use of the Website and your agreements with us. Any persons accessing our
Website from any jurisdiction with laws or regulations governing the use of the Internet, including personal data collection, use and disclosure
different from those of the jurisdictions mentioned above may only use the Website in a manner lawful in their jurisdiction. If your use of
our Website would be unlawful in your jurisdiction, please do not use the Website.
The Children's Online Privacy Protection Act ("COPPA") protects the online privacy of children under 13 years of age. We do not knowingly collect
or maintain personal information from anyone under the age of 13, unless or except as permitted by law. Any person who provides personal
information through the Website represents to us that he or she is 13 years of age or older. If we learn that personal information has been
collected from a user under 13 years of age on or through the Website, then we will take the appropriate steps to cause this information to
be deleted. If you are the parent or legal guardian of a child under 13 who has become a member of the Website or has otherwise transferred
personal information to the Website, please contact Company using our contact information below to have that child's account terminated and
GATHERING, USE AND DISCLOSURE OF NON-PERSONALLY-IDENTIFYING INFORMATION
Users of the Website Generally
“Non-Personally-Identifying Information” is information that, without the aid of additional information, cannot be directly associated with a specific
person. “Personally-Identifying Information,” by contrast, is information such as a name or email address that, without more, can be directly
associated with a specific person. Like most website operators, Company gathers from users of the Website Non-Personally-Identifying Information
of the sort that Web browsers, depending on their settings, may make available. That information includes the user’s Internet Protocol (IP)
address, operating system and browser type, and the locations of the Web pages the user views right before arriving at, while navigating and
immediately after leaving the Website. Although such information is not personally identifiable, it may be possible for Company to determine from
an IP address a user’s Internet service provider and the geographic location of the visitor’s point of connectivity as well as other statistical usage
data. Company analyzes Non-Personally-Identifying Information gathered from users of the Website to help Company better understand how the
Website is being used. By identifying patterns and trends in usage, Company is able to better design the Website to improve users’ experiences,
both in terms of content and ease of use. From time to time, Company may also release the Non-Personally-Identifying Information gathered from
Website users in the aggregate, such as by publishing a report on trends in the usage of the Website.
A “Web Cookie” is a string of information which assigns you a unique identification that a website stores on a user’s computer, and that the user’s
used, to record registration information regarding your login name and password, to record your user preferences, to keep you logged into the
Website, and to facilitate purchase procedures. Company also uses Web Cookies to track the pages that users visit during each Website session,
both to help Company improve users’ experiences and to help Company understand how the Website is being used. As with other
Non-Personally-Identifying Information gathered from users of the Website, Company analyzes and discloses in aggregated form information
gathered using Web Cookies, so as to help Company, its partners and others better understand how the Website is being used.
COMPANY USERS WHO DO NOT WISH TO HAVE WEB COOKIES PLACED ON THEIR COMPUTERS SHOULD SET THEIR BROWSERS TO REFUSE WEB
COOKIES BEFORE ACCESSING THE WEBSITE, WITH THE UNDERSTANDING THAT CERTAIN FEATURES OF THE WEBSITE MAY NOT FUNCTION
PROPERLY WITHOUT THE AID OF WEB COOKIES. WEBSITE USERS WHO REFUSE WEB COOKIES ASSUME ALL RESPONSIBILITY FOR ANY
RESULTING LOSS OF FUNCTIONALITY.
Third Party Advertisers
We may use third-party advertising companies to serve ads when you visit the Website. These companies may use information (not including any
Personally-Identifying Information) about your visits to this and other websites that are contained in Web Cookies in order to provide
third party ad servers’ and networks’ Web Cookies simultaneously. If you would like more information about this practice and to know your choices
about not having this information used by these companies, please follow the following links:
us if you would like to know the identity of the third-party advertising companies we are currently using to serve ads.
We may allow advertisers to choose the characteristics of users who will see their advertisements and we may use any of the non-personally
identifiable attributes we have collected (including information you may have decided not to show to other users, such as your birth year or other
sensitive personal information or preferences) to select the appropriate audience for those advertisements. We do not identify you to the
A “Web Beacon” is an object that is embedded in a web page or email that is usually invisible to the user and allows website operators to check
whether a user has viewed a particular web page or an email. Company may use Web Beacons on the Website and in emails to count users who
have visited particular pages, viewed emails, and to deliver co-branded services. Web Beacons are not used to access users’ Personally-Identifying
Information; they are a technique Company may use to compile aggregated statistics about Website usage. Web Beacons collect only a limited set
of information including a Web Cookie number, time and date of a page or email view, and a description of the page or email on which the Web
Beacon resides. You may not decline Web Beacons, however, they can be rendered ineffective by declining all Web Cookies or modifying your
browser setting to notify you each time a Web Cookie is tendered and permit you to accept or decline Web Cookies on an individual basis.
We may use third-party vendors, including Google, who use first-party cookies (such as the Google Analytics cookie) and third-party cookies
(such as the DoubleClick cookie) together to inform, optimize, and serve ads based on your past activity on our websites and applications,
including Google Analytics for Display Advertising. If you do not want any information to be collected and used by Google Analytics, you can install
an opt-out in your web browser (https://tools.google.com/dlpage/gaoptout/) and/or opt out from Google Analytics for Display Advertising or the
Google Display Network. You can do so by using Google’s Ads Settings (www.google.com/settings/ads).
Aggregated and Non-Personally-Identifying Information
We may share aggregated and Non-Personally Identifying Information we collect under any of the above circumstances. We may also share it with
third parties and our affiliate companies to develop and deliver targeted advertising on our Website and on websites of third parties. We may
combine Non-Personally Identifying Information we collect with additional Non-Personally Identifying Information collected from other sources.
We also may share aggregated information with third parties, including advisors, advertisers and investors, for the purpose of conducting general
business analysis. For example, we may tell our advertisers the number of visitors to our Website and the most popular features or services
accessed. This information does not contain any Personally-Identifying Information and may be used to develop website content and services
that we hope you and other users will find of interest and to target content and advertising.
Mobile Device Additional Terms
- Mobile Device. If you use a mobile device to access our Website or download any of our applications, we may collect device information (such as your mobile device ID, model and manufacturer), operating system and version information, and IP address.
- Geo-Location Information. Unless we have received your prior consent, we do not access or track any location-based information from your mobile device at any time while downloading or using our mobile applications or our services except that it may be possible for Company to determine from an IP address the geographic location of the user’s point of connectivity, in which case we may gather and use such general location data.
- Push Notifications. We send you push notifications if you choose to receive them letting you know when someone has sent you a message, or for other service-related matters. If you wish to opt-out from receiving these types of communications you may turn them off at the device level.
- Mobile Analytics. We use mobile analytics software to allow us to better understand the functionality of our mobile software on your phone. This software may record information such as how often you use the application, the events that occur within the application, aggregated usage, performance data, and where the application was downloaded from. We do not link the information we store within the analytics software to any Personally-Identifying Information you submit within the mobile application.
We may provide you the option to connect your account on our Website to your account on some social networking sites for the purpose of
logging in, uploading information or enabling certain features on the Website. When logging in using your social network credentials, we may
collect the Personally-Identifying Information you have made publicly available on the social networking site, such as your name, profile picture,
cover photo, username, gender, friends network, age range, locale, friend list, and any other information you have made public.
Once connected, other users may also be able to see information about your social network, such as the size of your network and your friends,
including common friends. By connecting your account on our Website to your account on any social networking site, you hereby consent to the
continuous release of information about you to us. We will not send any of your account information to the connected social networking site
without first disclosing that to you. Each social network may further allow you to set privacy controls around your information on their system,
and our collection of information will always follow such controls and permissions. This feature is subject to continuous change and improvement
by us and each social networking site involved, and therefore the available features and shared information are subject to change without notice
We may use hyperlinks on our Website which will redirect you to a social network if you click on the respective link. However, when you click on
a social plug-in, such as Facebook’s “Like” button, Twitter’s “tweet” button or the Google+, that particular social plugin will be activated and your
browser will directly connect to that provider’s servers. If you do not use these buttons none of your data will be sent to the respective social
plugin provider. So for example, when you click on the Facebook’s “Like” button on our Website, Facebook will receive your IP address, the
browser version and screen resolution and the operating system of the device you have used to access our Website. Settings regarding privacy
protection can be found on the websites of these social networks and are not within our control.
COLLECTION, USE AND DISCLOSURE OF PERSONALLY-IDENTIFYING INFORMATION
Website Registration, Information and Quotes Requests Data
As defined above, Personally-Identifying Information is information that can be directly associated with a specific person. Company may collect a
range of Personally-Identifying Information from and about Website users. Much of the Personally-Identifying Information collected by Company
about users is information provided by users themselves when (1) requesting quotes through Insuranks.com, (2) logging in with social network credentials,
(3) participating in polls, contests, surveys, reviews and rankings or other features of our service, or responding to offers or advertisements, (4) communicating with us,
(5) creating a public profile, or (6) signing up to receive newsletters. That information may include each user’s name, address, email address,
and telephone number, and any other information that you provide through our website, if you transact business with us, this may include financial information such as your payment method (valid credit card number, type,
expiration date or other financial information). We also may request information about your interests and activities, your gender, age, date of
birth, username, hometown and other demographic information, and other relevant information as determined by Company from time to time.
Users of the Website are under no obligation to provide Company with Personally-Identifying Information of any kind, with the caveat that a user’s
refusal to do so may prevent the user from using certain Website features.
BY REQUESTING QUOTES WITH OR USING INSURANKS.COM, YOU CONSENT TO THE USE AND DISCLOSURE OF YOUR PERSONALLY IDENTIFYING
INFORMATION AS DESCRIBED IN THIS “COLLECTION, USE AND DISCLOSURE OF PERSONALLY-IDENTIFYING INFORMATION” SECTION. WE WILL SEND THIS INFORMATION TO OUR PARTNERS, WHICH ARE US BASED INSURANCE CARRIERS, REINSURERS, COMPANIES, AGENCIES AND AGENTS FOR THE SOLE PURPOSE OF SERVING YOU BEST, ALLOWING YOU TO HAVE THE BEST INSURANCE SHOPPING, COMPARISON AND DECISIONS.
Certain Personally-Identifying Information collected from users may be disclosed as a matter of course as a result of those users’ use of the
Website. We may provide areas on our Website where you can post reviews and other information relating to your activities on the Website.
subject of your posting. Also, whenever you voluntarily disclose personal information on publicly-viewable web pages, that information will be
publicly available and can be collected and used by others. For example, if you post your email address, you may receive unsolicited messages.
We cannot control who reads your posting or what other users may do with the information you voluntarily post, so we encourage you to exercise
discretion and caution with respect to your personal information. USERS ASSUME ALL RESPONSIBILITY FOR ANY LOSS OF PRIVACY OR OTHER
HARM RESULTING FROM THEIR VOLUNTARY DISCLOSURE OF PERSONALLY IDENTIFYING INFORMATION.
We may occasionally use your name and email address to send you notifications regarding new services offered by the Website that we think you
may find valuable. We may also send you service-related announcements from time to time through the general operation of the service.
Generally, you may opt out of such emails at the time of registration or through your account settings, though we reserve the right to send you
notices about your account, such as service announcements, and administrative messages, even if you opt out of all voluntary email notifications.
Company will disclose Personally-Identifying Information under the following circumstances:
- Transfers to Agencies, Agents, Companies, Carriers, Reinsurers. When you provide information required by insurance companies, carriers, reinsurers, agencies and/or insurance agents necessary to provide you with
quotes on your desired insurance coverages, we will provide this information to carriers, reinsurers, companies, agencies and/or agents that we partner with in order for them to
provide you with the best quotes and coverages and other related services and information. These companies, carriers, agencies, agents and/or reinsurers will be prohibited from using such information for
- By Law or to Protect Rights. When we believe disclosure is appropriate in connection with efforts to investigate, prevent, or take other
action regarding illegal activity, suspected fraud or other wrongdoing; to protect and defend the rights, property or safety of our Company,
other agreements or policies, in response to a subpoena or similar investigative demand, a court order, or a request for cooperation from a
law enforcement or other government agency; to establish or exercise our legal rights; to defend against legal claims; or as otherwise
required by law. In such cases, we may raise or waive any legal objection or right available to us.
- Marketing Communications. Unless users opt-out from receiving Company marketing materials, Company may email
users about products and services that Company believes may be of interest to them. If a user wishes to opt-out of receiving marketing
materials from Company, user may do so by following the unsubscribe link in email communications, by going to your account settings
(if applicable) or contacting us using the contact information below.
- Third Party Marketing Communications. Unless users opt-out from receiving marketing materials, Company may
provide users’ email information to third parties, so that those third parties may directly contact users about additional related products and
services. To cease having your email information provided to third parties, you may do so by going to your account settings (if applicable)
or contacting us using the contact information below. Even after opting-out, a user may continue to receive marketing emails from third
parties to whom Company already has provided the user’s email information. Users will be responsible for directly contacting such third
parties to request cessation of further marketing emails.
- Third Party Service Providers. We may share your Personally-Identifying Information, which may include any
information that you provide to us (including email address), with our authorized service providers that perform certain related services. These services may
include providing quotes, fulfilling orders, providing customer service and marketing assistance, performing business and sales analysis, supporting our
website functionality, and supporting contests, sweepstakes, surveys and other features offered through our Website or through third part service providers and/or partners websites. We may share
this information with our partners and/or authorized service providers as part of our service.
These service providers may have access to the information you provide to perform their functions but are not permitted to share or use
such information for any other purpose. Insuranks.com is not responsible to that, but the providers.
- Business Transfers; Bankruptcy. Company reserves the right to transfer all Personally-Identifying Information in its possession to a
successor organization in the event of a merger, acquisition, or bankruptcy or other sale of all or a portion of Company’s assets. Other than
to the extent ordered by a bankruptcy or other court, the use and disclosure of all transferred Personally-Identifying Information will be
affirmatively opt-out of it. Personally-Identifying Information submitted or collected after a transfer, however, may be subject to a new
Changing Personally-Identifying Information; Account Termination
You may at any time review or change your Personally-Identifying Information by going to your account settings (if applicable) or contacting us
using the contact information below. Upon your request, we will deactivate or delete your account and contact information from our active
databases. Such information will be deactivated or deleted as soon as practicable based on your account activity and accordance with our
deactivation policy and applicable law. To make this request, either go to your account settings (if applicable) or contact us as provided below.
We will retain in our files some personal information to prevent fraud, to troubleshoot problems, to assist with any investigations, to enforce our
be completely removed from our databases in response to your requests. Additionally, we keep a history of changed information to investigate
suspected fraud with your account.
We use the Personally-Identifying Information in the file we maintain about you, and other information we obtain from your current and past
activities on the Website to: deliver the products and services that you have requested, manage your account and provide you with customer
support, communicate with you by email, postal mail, telephone and/or mobile devices about products or services that may be of interest to you
either from us, our affiliate companies or other third parties, develop and display content and advertising tailored to your interests on our Website
and other sites, resolve disputes, troubleshoot problems, measure consumer interest in our services, inform you of updates, customize your
the time of collection. At times, we may look across multiple users to identify problems. In particular, we may examine your Personally-Identifying
Information to identify users using multiple user IDs or aliases. We may compare and review your Personally-Identifying Information for accuracy
and to detect errors and omissions. We may use financial information or payment method to process payment for any purchases made on our
Website, enroll you in the discount, rebate, and other programs in which you elect to participate, to protect against or identify possible fraudulent
transactions, and otherwise as needed to manage our business.
COLLECTION AND USE OF INFORMATION BY THIRD PARTIES GENERALLY
Company contractually prohibits its contractors, affiliates, vendors and suppliers from disclosing Personally-Identifying Information received from
respect to Personally-Identifying Information that users provide directly to those third parties or that those third parties collect for themselves.
These third parties include advertisers, providers of games, utilities, widgets and a variety of other third party applications accessible through the
does not apply to information provided to or gathered by the third parties that operate them. Before visiting a third-party, or using a third party
application, whether by means of a link on the Website, directly through the Website, or otherwise, and before providing any Personally-Identifying
Information to any such third party, users should inform themselves of the privacy policies and practices (if any) of the third party responsible for
that website or application, and should take those steps necessary to, in those users’ discretion, protect their privacy.
We take security of your Personally-Identifying Information seriously and use reasonable electronic, personnel, and physical measures to protect it
from loss, theft, alteration, or misuse. However, please be advised that even the best security measures cannot fully eliminate all risks. We cannot
guarantee that only authorized persons will view your information. We are not responsible for third party circumvention of any privacy settings or
We are dedicated to protect all information on our Website as is necessary. However, you are responsible for maintaining the confidentiality of your
Personally-Identifying Information by keeping your password confidential. You should change your password immediately if you believe someone
has gained unauthorized access to it or your account. If you lose control of your account, you should notify us immediately.
Policy applies to all information that we have about you and your account. Users should regularly check this page for any changes to its Privacy
their contact information.
CALIFORNIA PRIVACY RIGHTS
California Civil Code Section 1798.83, also known as the "Shine The Light" law, permits our users who are California
residents to request and obtain from us once a year, free of charge, information about the personal information (if any)
we disclosed to third parties for direct marketing purposes in the preceding calendar year. If applicable, this information
would include a list of the categories of personal information that was shared and the names and addresses of all third
parties with which we shared information in the immediately preceding calendar year. If you are a California resident and
would like to make such a request, please submit your request in writing to our privacy officer as listed below.
DO NOT TRACK POLICY
Our Website does not respond to “Do Not Track” signals or mechanisms.