Privacy Policy
MultifamilyInsuranceQuotes.com (the "Website," "we," "our," or "us") takes your privacy seriously. Please read the following to learn more about our privacy policy. By visiting this website, you are accepting the practices described in this Privacy Notice.
What This Privacy Policy Covers
- This policy covers how we treat personal information that the website collects and receives, including information related to your past use of our products and services. Personal information is information about you that is personally identifiable like your name, address, email address, IP address, or phone number, and that is not otherwise publicly available.
- This policy does not apply to the practices of companies that we do not own or control, or to people that we do not employ or manage.
Information Collection and Use
General
- The website collects personal information when you register with us. We may combine information about you that we have with information we obtain from business partners or other companies.
- When you register we ask for information such as your name, address, phone number, email address and zip code. Once you register with us and sign in to our services, you are not anonymous to us.
- We collect information about your transactions with us and with some of our business partners, including information about your use of financial products and services that we offer.
- The website automatically receives and records information on our server logs from your browser, including your IP address, cookie information, and the page you request.
- We use information for the following general purposes: to fulfill your requests for products and services, improve our services, contact you, conduct research, and provide anonymous reporting for internal and external clients.
- We reserve the right to send you certain communications relating to our services, such as service announcements, administrative messages, special offers and a website Newsletter.
- To personalize your experience (your information helps us to better respond to your individual needs)
- To be matched with one of our partners who may assist you in products or services you may be interested in
- To improve our website (we continually strive to improve our website offerings based on the information and feedback we receive from you)
- To improve customer service (your information helps us to more effectively respond to your customer service requests and support needs)
- To communicate with you
- To share aggregated information (i.e., information about you and other users collectively, but not specifically identifiable to you) and other non-personal, de-identified, or anonymous information we collect, with our partners to optimize their ability to reach their target markets
- To share your personal information to comply with applicable laws or respond to lawful legal process from law enforcement and government agencies.
Description of Services
MultifamilyInsuranceQuotes.com is an insurance quotes platform that manages connections between you and insurance providers who are looking to offer coverage for your property.
Confidentiality and Security
- We limit access to personal information about you to employees who we believe reasonably need to come into contact with that information to provide products or services to you or in order to do their jobs.
- We have physical, electronic, and procedural safeguards that comply with federal regulations to protect personal information about you.
- Cookies and Similar Technologies. When you visit our website, we use site visit recordation technologies to memorialize site visits, third-party cookies, beacons, tags and scripts to help collect the categories of information above and aggregated information from your internet browser such as your behavior on our website.
- We use third party services that employ software code to record users' interactions with our website in a manner that allows us to watch replays of those user sessions. We use these third parties to collect and analyze data on visitor interactions and session replays for our website to help make the sites more useful to visitors. This includes a users' mouse movements, scrolling, page hits, keyboard movements, tracking errors and events, users' purchase intent, user behavior and API calls.
- These site visit recordation technologies help us diagnose usability problems, identify areas for improvement, help personalize user experience on our website, to better understand your preferences, operate our business, and provide you with products and services we believe you will love.
- We use third-party service providers that help with our marketing efforts, analytics providers, advertising networks and cooperatives, third parties that share information with us about the different devices you use online, reviews you have posted on third-party sites about products we offer, and other third parties that we collaborate or work with.
Cookies
- A browser cookie is a small piece of data that is stored on your device to help websites and mobile apps remember things about you. Other technologies, including web beacons, web storage, and identifiers associated with your device, may be used for similar purposes. In this Policy, we say "cookies" to refer to all of these technologies. We use the following types of cookies:
- Essential Cookies are required to make our Website function properly and cannot be turned off in our systems. If you block these cookies, portions of our Website may not function properly.
- Performance and Functional Cookies allow us to count visits and sources of traffic on our Website so we can measure and improve performance and functionality. They help us know which pages of our Website is most and least popular and how visitors move around the Website.
- Targeted Advertising Cookies may be set through our Website by our advertising partners. They may be used by advertising companies to build a profile of your interests and show you relevant advertisements on other websites.
- Social Media Cookies allow you to share information using social media sharing buttons on social networks like Facebook, Pinterest, Instagram, or Twitter. This information may then be used by the social media network to deliver targeted advertising to you.
We may combine information collected automatically (as described above) from your interactions with our website and your activity on third-party sites with other data (including personal information).
If you wish to opt out of allowing certain cookies, you may do so by changing your browser settings so that cookies from our Website cannot be set. Please note that if you delete, block, or otherwise restrict cookies, or use a different computer or Internet browser, you will need to renew your cookie management choices.
How You Can Opt Out
You have every right to opt out of the above summarized information sharing. If you wish to opt out of information gathering described above, you can visit https://optout.aboutads.info/. In addition, we encourage you to review Facebook's Data Policy at https://www.facebook.com/full_data_use_policy.
Cookies Use By Our Service Providers
We also use third-party tracking services that use cookies or other tracking technology to track non-personal information about visitors to our site in the aggregate such as web page views, other sites visited and referral page information to track the effectiveness of our marketing campaigns to bring visitors to our Website. We use respective web beacons to gather information that lets us tune and improve our user's browsing experience, as well as track user responsiveness to various advertising campaigns and user activities. No personal or sensitive information is transmitted to advertising partners. However, certain partners may collect incoming IP addresses in connection with your visits to our site.
We use Google Maps API, the Google Places API and the Google Maps Geocoding API to collect information about your location. By using this site, you agree to allow us to cache your location for the uses described herein. You may revoke this consent at any time by disabling geolocation sharing in your browser and starting a new browsing session. This information is used to identify nearby branch locations and provide directions to those locations and such information is only retained during your browsing session. Google's Privacy Policy is incorporated herein and can be found at https://policies.google.com/privacy. By using this site, you agree to be bound by Google's Terms of Service which may be found at https://policies.google.com/terms.
Managing Cookies
Most browsers allow you to refuse to accept cookies and to delete cookies.
If you want to disable cookies and you're using the Safari web browser, go to Safari preferences and then to the privacy pane to manage your preferences. On your Apple mobile device, go to Settings, then Safari, scroll down to the Privacy & Security section, and tap on "Block Cookies" to manage your preferences. If you want to disable cookies and you're using the Chrome browser, go to Settings > Privacy and Security > Cookies and Other Site Data, make the selection that provides the level of tracking you prefer. If you want to disable cookies and you're using the Explorer browser, go to Settings > Internet Options > Privacy Tab > Advanced, make the selection that provides the level of tracking you prefer. For other browsers, check with your provider to find out how to disable cookies.
The methods for doing so vary from browser to browser, and from version to version. You can however obtain up-to-date information about blocking and deleting cookies via these links:
Please note that certain features of the Website will not be available once cookies are disabled. Blocking all cookies will have a negative impact upon the usability of many websites.
Behavioral Tracking and Web Session Recording Technologies
When you visit our website, we use site visit recordation technologies, such as Google Analytics, Hotjar Form Analysis, and Facebook Pixel to memorialize site visits, third-party cookies, beacons, tags and scripts to help collect the categories of information described above and aggregated information from your internet browser such as your behavior on our website. MultifamilyInsuranceQuotes.com, as well as third party entities such as Google® (using the "Google Analytics" tool), use Cookies, pixels and other tracking technology (collectively, "Tracking Technology") in connection with the Site for purposes of tracking Users' activities (such as websites visited, advertisements selected and pages viewed) after they leave the Website. MultifamilyInsuranceQuotes.com and its third-party partners use this Tracking Technology to target applicable Users with advertisements featuring MultifamilyInsuranceQuotes.com products and/or services, as well as third-party products and/or services, that may be of interest to applicable Users and to collect and analyze data on visitor interactions for our website to help make the sites more useful to visitors. This includes a users', scrolling, page hits, tracking errors and events, user behavior and API calls.
These site visit recordation technologies help us diagnose usability problems, identify areas for improvement, help personalize user experience on our website, to better understand your preferences, and operate our business.
Google's® ability to use and share information collected by Google® Analytics about your visits to and use of the Site is restricted by the Google® Analytics Terms of Service, available here and the Google Privacy Policy, available here. You may learn more about how Google® collects and processes data specifically in connection with Google® Analytics here. You may prevent your data from being used by Google® Analytics by downloading and installing the Google Analytics Opt-out Browser Add-on, available here.
Hotjar offers information on how users can stop the analysis: https://www.hotjar.com/policies/do-not-track/. You can find Hotjar's privacy policy here: https://www.hotjar.com/legal/policies/privacy/.
We use site visit recordation technology to memorialize site visits, including technology provided by third parties, including Jornaya's Lead ID or Active Prospect's TrustedForm, as applicable. We use LeadID and/or TrustedForm to independently document users' consent to be contacted. The LeadID and/or TrustedForm Script is embedded on our website and collects the following information when you interact with the page(s) where the script is present: page URL, mouse movements and clicks, contact information inputted by the user, a snapshot of the page, including IP address of the user's computer, time on the page, date and time that the LeadID and/or TrustedForm Script was loaded, as well as the date and time of the various user interactions with the page, and HTTP headers from the user's browser. For more information about ActiveProspect's data use and collection policies and practices, please review the ActiveProspect Privacy Policy, located at https://activeprospect.com/privacy-policy/. For more information about Jornaya's data use and collection policies and practices, please review the Jornaya Privacy Policy, located at https://www.jornaya.com/consumer-privacy-policy/.
We reserve the right to remove or add new analytic technologies.
Cross Device Tracking
MultifamilyInsuranceQuotes.com tracks Users' use of the Site Offerings across various devices, including your personal computer and mobile device, in order to optimize and personalize your Website Offerings experience. MultifamilyInsuranceQuotes.com may collect certain of your personal information across various devices.
A Special Note About Children's Privacy
- You must be at least 18 years old to use this website. We do not knowingly collect, use or disclose personal information about visitors under 18 years of age. If you are under 18 years of age, you can use the services offered on our websites only in conjunction with your parents or guardians. Please see our Terms of Use for more information.
Changes to this Privacy Policy
- We may update this policy. We will notify you about significant changes in the way we treat personal information by sending a notice to the primary email you entered or by placing a prominent notice on our site.
Email Policy
By providing your contact information to us, you are registering to receive communications from us directly or through a partner. If you provide your e-mail address and request to be added to any of our mailing lists, we will periodically send you newsletters and other e-mails with offers and promotions. You may opt-out by clicking on the unsubscribe link below. In other cases, these notifications involve changes to various legal agreements, terms and condition updates and privacy policy update notifications. Generally, you may not opt out of these service related emails.
Wireless Policy
We may use personal information to provide the services you've requested, including services that display customized content and advertising. In addition to any fee of which you are notified, your provider's standard messaging rates apply to our confirmation and all subsequent SMS correspondence. You may opt-out and remove your SMS information by sending "STOP", "END", "QUIT" to the SMS text message you have received. If you remove your SMS information from our database it will no longer be used by us for secondary purposes, disclosed to third parties, or used by us or third parties to send promotional correspondence to you.
Detailed Wireless Policy
Data obtained from you in connection with this SMS service may include your name, address, cell phone number, your provider's name, and the date, time, and content of your messages. In addition to any fee of which you are notified, your provider's standard messaging rates apply to our confirmation and all subsequent SMS correspondence. All charges are billed by and payable to your mobile service provider. We will not be liable for any delays in the receipt of any SMS messages, as delivery is subject to effective transmission from your network operator. SMS message services are provided on an AS IS basis.
We may use personal information to provide the services you've requested, including services that display customized content and advertising. We may also use personal information for auditing, research and analysis to operate and improve our technologies and services. We may provide aggregated and non personal information with third parties. When we use third parties to assist us in processing your personal information, we require that they comply with our Privacy Policy and any other appropriate confidentiality and security measures. We may also provide information with third parties in limited circumstances, including when complying with legal process, preventing fraud or imminent harm, and ensuring the security of our network and services.
You may remove your information from our database. If you remove your information from our database it will no longer be used by us for secondary purposes, disclosed to third parties, or used by us or third parties to send promotional correspondence to you. You may remove your information by sending "STOP", "END", "QUIT" to the SMS text message you have received.
Your California Privacy Rights
Shine the Light
If you are a resident of the State of California and would like to learn how your "personal information" (as defined in the Shine the Light Law, Cal. Civ. Code § 1798.83) is shared with third parties, what categories of personal information that we have shared with third parties in the preceding year, as well as the names and addresses of those third parties, please send us U.S. Mail to: 30 N Gould St, Sheridan, Wyoming, United States 82801.
Further, if you are a resident of the State of California and would like to opt-out from the disclosure of your personal information to any third party for marketing purposes, please send us U.S. Mail to: 30 N Gould St, Sheridan, Wyoming, United States 82801.
If you are a California resident, you may be entitled to certain other privacy-related rights in accordance with the California Consumer Privacy Act ("CCPA"), including the right to opt-out of our sale of your personal information, as well as the right to know what personal information about you we have collected, whether your personal information was shared with third-parties in the preceding year and, if so, what categories of personal information were shared, as well as the categories of third parties with whom we shared that personal information. For more information about these rights and how to exercise them, please contact us at support@multifamilyinsurancequotes.com.
The California Privacy Rights Act ("CPRA")
In addition to the foregoing, if you are a resident of the State of California, certain other privacy-related rights may apply to you in accordance with the CPRA, including the right to opt-out of our use/sharing of your sensitive personal information, the right to know how long we retain your sensitive and non-sensitive personal information, the right to know what sensitive personal information about you we have collected, whether your sensitive personal information was shared with third-parties in the preceding year and, if so, what categories of sensitive personal information were shared, as well as the categories of third parties with whom we shared that sensitive personal information. Please see our "California Consumer Privacy Act Policy" for a more complete description of your rights under the CPRA as a California resident.
Your Virginia Privacy Rights
The Virginia Consumer Data Protection Act protects the privacy of Virginia consumers by providing them with the following privacy rights:
Right to opt out – consumers have the right to opt out of the processing of their personal data for the purposes of targeted advertising, the sale of their personal data or profiling in furtherance of decisions that produce legal or similarly significant effects;
Right of access – consumers have the right to confirm whether a controller is processing personal data concerning the consumer and to access their personal data;
Right to correction – consumers have the right to correct inaccuracies in their personal data;
Right to appeal – consumers have the right to appeal a decision by a controller to deny the exercise of customer rights;
Right to deletion – consumers have the right to delete their personal data;
Right to data portability – when accessing their data, a consumer has a right to obtain that data in a portable and, to the extent technically feasible, readily usable format that allows the consumer to transmit that data to another business.
Virginia residents can exercise their rights by contacting us at support@multifamilyinsurancequotes.com or by sending U.S. Mail to: 30 N Gould St, Sheridan, Wyoming, United States 82801.
Your Colorado Privacy Rights
Colorado residents should refer to our Colorado Privacy Notice for more information about our privacy practices and their Colorado privacy rights.
The Colorado Privacy Act protects the privacy of Colorado consumers by providing them with the following privacy rights:
Right to opt out – consumers have the right to opt out of the processing of their personal data for the purposes of targeted advertising, the sale of their personal data or profiling in furtherance of decisions that produce legal or similarly significant effects;
Right of access – consumers have the right to confirm whether a controller is processing personal data concerning the consumer and to access their personal data;
Right to correction – consumers have the right to correct inaccuracies in their personal data;
Right to deletion – consumers have the right to delete their personal data;
Right to data portability – when accessing their data, a consumer has a right to obtain that data in a portable and, to the extent technically feasible, readily usable format that allows the consumer to transmit that data to another business.
Colorado residents can exercise their rights by contacting us at support@multifamilyinsurancequotes.com or by sending U.S. Mail to: 30 N Gould St, Sheridan, Wyoming, United States 82801.
Your Connecticut Privacy Rights
The Connecticut Data Privacy Act protects the privacy of Connecticut consumers by providing them with the following privacy rights:
Right to know and access – consumers have the right to confirm whether or not a controller is processing the consumer's personal data and access such personal data.
Right to correction – consumers have the right to correct inaccuracies in their personal data;
Right to opt out – consumers have the right to opt out of the processing of their personal data for the purposes of targeted advertising, the sale of their personal data or profiling in furtherance of decisions that produce legal or similarly significant effects;
Right to deletion – consumers have the right to delete their personal data;
Right to data portability – when accessing their data, a consumer has a right to obtain that data in a portable and, to the extent technically feasible, readily usable format that allows the consumer to transmit that data to another business.
Connecticut residents can exercise their rights by contacting us at support@multifamilyinsurancequotes.com or by sending U.S. Mail to: 30 N Gould St, Sheridan, Wyoming, United States 82801.
Your Nevada Privacy Rights
Nevada State residents have the right to submit opt-out requests to website operators instructing those website operators not to sell any "covered information" that the website operators have collected about the Nevada State residents to any third party data broker(s). Covered information includes a consumer's name, postal and email address, telephone number and Social Security Number.
If you are a resident of the State of Nevada and would like to opt-out from the sale of your personal information to any third party data broker, please send us U.S. Mail to: 30 N Gould St, Sheridan, Wyoming, United States 82801. In your request, please specify that you want to exercise your rights to opt-out from the sale of covered information under the Nevada Privacy Law and specify the website that you visited and the email address you registered with. Please allow thirty (30) days for a response.
Compliance with State and Federal Laws
This Privacy Policy may not constitute your entire set of privacy rights, as these may also vary from state to state. To be certain of your privacy rights, you may wish to contact the appropriate agency in your state that is charged with overseeing privacy rights of consumers. Certain regulations issued by state and/or federal government agencies may require us to maintain and report demographic information on the collective activities of our customers. We may also be required to maintain your personal information for at least seven years in order to be in compliant with applicable federal and state laws regarding recordkeeping, reporting and audits.
If you would like to opt-out from the sale of your personal information to any third party data broker, please send us U.S. Mail to: 30 N Gould St, Sheridan, Wyoming, United States 82801.
Your California Privacy Rights (CCPA)
California law provides California residents with the following privacy rights:
Right to access personal information: Individuals exercising this right may request access to the categories and specific pieces of their personal information we have collected in the prior 12-month period. Individuals exercising this right may receive their personal information, when provided electronically, in a readily-useable format.
Right to deletion: Individuals exercising this right can ask us to delete their personal information we have collected, though we may be permitted to retain personal information for certain purposes.
Right to disclosure: Individuals exercising this right can receive additional information regarding the sources from which we collect information, the purposes for which we collect and share personal information, the information of theirs we hold, and the categories of parties with whom we share their information.
Right to opt out of sales: As permitted by applicable law, we may share your personal information for monetary or other valuable consideration (under California law, this is considered a "sale"). You may opt out of such a "sale" of your personal information to third parties.
Right to be free from discrimination: Users may freely exercise these rights without fear of being denied goods or services.
Currently, this law specifically applies to California residents. If you are a resident of California, and would like to exercise one of your rights, please contact us. You may designate an authorized agent to request the exercise of one or more of these rights on your behalf. Please note all consumer requests are subject to verification and there may be circumstances where we do not honor your request, as permitted under the law.
California's "Shine the Light" Law
Additionally, through California's "Shine the Light" law, California residents who provide personal information in obtaining products or services for personal, family, or household use are entitled to either: (1) a list detailing the categories of information shared and the entities to which such information was provided; or (2) to be notified of a mechanism by which a consumer may opt-out of having their information shared with third parties. We have elected the second option. To opt-out of having your information shared with third parties, please contact us at support@multifamilyinsurancequotes.com.
Consent to Contact
By submitting your information through our website or lead forms, you expressly consent to be contacted by MultifamilyInsuranceQuotes.com (MFIQ), Ardexa LLC, and our partners, including licensed insurance agents and brokers, via phone, email, and text message, including through automated technology such as autodialers and prerecorded messages. Your information may be shared with trusted partners for the purpose of providing insurance quotes and related services. Consent is not a condition of purchase, and you may opt out at any time.
Contact Us
If you have any questions, concerns or complaints regarding our compliance with this notice and the data protection laws, or if you wish to exercise your rights, we encourage you to contact us:
Phone: (307) 400-8761
Email: support@multifamilyinsurancequotes.com
Address: 30 N Gould St, Sheridan, Wyoming, United States 82801
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