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Privacy Policy

Last Updated November 29th, 2008

InsuranceNetCenter, INC seeks to provide you with:

• Effective, convenient comparative shopping for financial
services;

• value, by empowering you to make informed choices
including "apples to apples" comparisons; and


• options in how the services are provided to you.

We have created our Privacy Policy with these goals
in mind. We appreciate your trust, and we treat your
information with
care and sensitivity. When you use this Web site, you consent
to the use of your personal information by InsuranceNetCenter,

INC in the manner set forth in this Privacy Policy. 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
Conditions of Use
.

What information do we collect?

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
financial services 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 financial 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 financial 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 financial 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 financial services. We
might receive information about you from other sources and
add it to our account information.

How do we use this information?

We use your personal information to create your quote. We
transmit this information to participating financial service
providers to quote and ultimately provide you with the financial
services you select.

We may share aggregated statistical information from our
database with our participating financial 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 (see below).

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 InsuranceNetCenter, INC and does not apply to the participating financial
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
InsuranceNetCenter, INC by contacting us and requesting
an opt out.

Can you correct and update your information?

You can always choose not to provide personal information,
even though it might be needed to obtain a quote or obtain
service. You can contact us by utilizing the information
provided on our Contact Us page if you need to make corrections
to your information.


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.

• The Federal Trade Commission provides
useful information about online privacy on its own Web
site http://www.ftc.gov/privacy/index.html.

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, InsuranceNetCenter, INC 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. InsuranceNetCenter, INC 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 will 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 financial 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 InsuranceNetCenter, INC, 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: InsuranceNetCenter, INC 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, and as otherwise
permitted or required by law.

• Information about our customers and formers, and
information about consumers who do not purchase products
from us, will be disclosed only as permitted or required
by law.

• We may disclose information to affiliated and non-affiliated
insurance companies, insurance agents, reinsurance companies,
government entities, and claims administrators. We may also
disclose information to nonaffiliated third parties that
perform services or functions on our behalf including the
marketing of our products or services, or to other financial
institutions with which we have joint marketing agreements.
The following are examples of situations in which we may
disclose information:

• Your information may be passed between us and our
agents, appraisers, attorneys, investigators, and others
who may be involved in the processing of your application
and servicing of your policy or claims.

• We provide your policy information to adjusters
and other appropriate business entities that make any necessary
repairs to your vehicle when you are involved in a claim.


• We may provide your information to others whom we
determine need such information to perform insurance or
other professional functions for us. These may include parties
helping us with administrative services and financial institutions
with which we have joint marketing agreements.

• We may supply information as required by search
warrant, subpoena, or legal process, with state insurance
departments, or other law enforcement or government authorities
when required by law, or to protect our own legal interests
in the event of suspected illegal or fraudulent activities.

Links to other Web Sites

During your visit to our site, you may come across links
that will take you to third-party Web sites. InsuranceNetCenter,
INC 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 InsuranceNetCenter, INC’s Privacy
Policy. Links to third-party sites do not constitute sponsorship,
endorsement, or approval by InsuranceNetCenter, INC 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.

Children

InsuranceNetCenter,
INC does not sell products for purchase by children nor
is this site intended for use by children. InsuranceNetCenter,
INC abides by the Children’s On-Line Privacy Protection
Act.

Terms and Conditions of Use, Notices, and Revisions

If you choose to visit InsuranceNetCenter.com,
SuperiorCarInsurance.com, or any of its wholly owned and
operated websites, your visit and any dispute over privacy
is subject
to this Policy and our Terms
and Conditions of Use
, including limitations on damages,
arbitration of disputes, and application of the law of
the state of Maryland.
If you have any concern about privacy at InsuranceNetCenter.com,
please send us a thorough description to service@insurancenetcenter.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.

 

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