PRIVACY POLICY

PRIVACY STATEMENT

Under no circumstances will lowermyinsuranceonline.com sell or share any personal information about you to or with any person or organization except as provided in this Privacy Policy or as may be required by law or court order. This Privacy Policy describes the standards we adhere to in handling information about you and your insurance quote request.

THE PROCESS

After you submit your quote request via this web site, lowermyinsuranceonline.com immediately matches you to local and national Agents who can meet your insurance needs. The matching Agents will use the information you provided in your quote request to generate and evaluate your insurance quote and contact you with the details. In some cases, lowermyinsurance.com does not have a matching agent based on your location and insurance needs. In this event, your information may be passed to one of our Affiliates to ensure that you receive as many competitive quotes as possible.

INFORMATION WE COLLECT

Information collected includes, but is not necessarily limited to, the items listed below.

• Full Legal Name
• Postal address(s)
• Email address(s)
• Telephone Number(s)
• Fax Number(s)
• Date of Birth
• Social Security Number
• Gender
• Marital status
• Occupation
• Driving records
• Vehicles owned
• Credit reports
• Credit Card, Checking Account, or other Financial Institution account information
• Level of education
• Health history

How We Share Your Information with Agents and Affiliates

When you submit a quote request to lowermyinsuranceonline.com, your information is used to match you with an average of five qualified, licensed agents who can best serve your insurance needs. In order to provide you with as many insurance options as possible, your information may also be transmitted to one of our Affiliates in an effort to ensure you receive as many competitive quotes as possible.

Other Uses of Your Information By Third Parties

• Affiliates - The information from your quote request may be transmitted to one of our Affiliates. We feel it would be poor customer service to fail to provide a quote merely because no matching Agents are available. In these circumstances, we pass your quote request only to Affiliates that we have an existing contractual relationship. InsuranceAgents.com only enters into Affiliate relationships with reputable companies and our contract requires they follow applicable laws and not misuse the data provided to them.
• Companies that perform information processing on our behalf may contract with companies who manage our email and data systems and conduct surveys on our behalf. Your personal information is shared with these companies on a limited basis-only to the extent necessary to perform such information processing on our behalf.
• Law Enforcement – We will share your personal information in response to law enforcement officers, government personnel, court order or subpoena. This information will only be shared in order to comply with a legal obligation, and only to the extent required by such law or court order or subpoena.

COMMUNICATIONS YOU CAN EXPECT

You may expect to receive confirmation emails for submitted quote request(s), newsletters, surveys, follow-up telephone inquiries, telephone solicitations, direct mail solicitations, wireless solicitations, SMS solicitations, and facsimile solicitations and courtesy communications from InsuranceAgents.com.

Agent Communications

By submitting a quote request through lowermyinsuranceonline.com, insurance Agents will contact you using the contact information that you provided in the quote request form. In order stop these communications, you must contact the Agents directly and request that they stop contacting you. Such communications sent directly from Agents are expressly excluded from this Privacy Policy. InsuranceAgents.com expressly disclaims all responsibility and liability for the information collection or privacy practices of Agents.

Affiliate and Third Party Communications

By submitting a quote request or otherwise providing contact information, Affiliates and third parties may contact you using the contact information that you provided. In order stop these communications, you must contact the Affiliate(s) and/or other third parties directly and request that they stop contacting you. Such communications sent directly from Affiliates and other third parties are expressly excluded from this Privacy Policy.

QUOTE REQUESTS

We are a free matching service that instantly connects you with our network of quality insurance Agents and Affiliates. After you submit your quote request via our web site, we immediately match you to Agents and Affiliates and sends your information to them. This process happens instantly; therefore, there is not an opportunity for you to edit your original information after it's been submitted. We recommend that you communicate the needed changes directly to the Agents and Affiliates with whom you were matched.

CONTENT DISCLAIMER

We provide the information provided therein as a service to its customers. The information and materials provided are provided for general information purposes and may not be relied on as a substitute for professional or legal advice. The views or opinions expressed by the authors included such information do not necessarily reflect the views or opinions of lowermyinsuranceonline.com or its Agents and Affiliates. The information is not intended to create any legal relationship. Neither the transmission nor receipt of these materials will constitute a legal relationship between the sender and the receiver. The information is not guaranteed to be correct, complete, or current. We make no warranty, expressed or implied, about the accuracy or reliability of the information, or at any other web site to which the website is linked. Lowermyinsuranceonline.com may, at its sole discretion, revise this Privacy Policy at any time in a manner consistent with applicable laws and regulations.

CALIFORNIA USER CONSUMER RIGHTS

In accordance with California Civil Code Sec. 1789.3. California resident users are entitled to know that they may file grievances and complaints with the California Department of Consumer Affairs, 400 R Street, STE 1080, Sacramento, CA 95814; or by telephone at (916) 445-1254 or (800) 952-5210; or by email to dca@dca.ca.gov. For more information about protecting your privacy, you may wish to visit: www.ftc.gov.