Privacy Policy

Effective date September 15, 2011

Introduction

usautoinsurancenow.com (herein referred to as "we", "us" or "our") is committed ensuring the privacy and security of each user that visits our website. We adhere to the Online Business Code Practices of the Better Business Bureau Online Reliability Program. This privacy statement covers our website usautoinsurancenow.com. We consider your privacy a very important issue, so we design and operate our services with the protection of your privacy as a primary concern. This privacy policy outlines the types of personal information we gather when you use our services, as well as efforts we make to safeguard it.

usautoinsurancenow.com has been awarded TRUSTe's Privacy Seal signifying that this privacy policy and practices have been reviewed by TRUSTe for compliance with TRUSTe's program requirements including transparency, accountability and choice regarding the collection and use of your personal information. TRUSTe's mission, as an independent third party, is to accelerate online trust among consumers and organizations globally through its leading privacy trustmark and innovative trust solutions. If you have questions or complaints regarding our privacy policy or practices, please contact us at compliance@adharmonics.com. If you are not satisfied with our response you can contact TRUSTe here. The TRUSTe program covers information collected on this Web site.

Contact Information

If you have any questions or concerns regarding this policy, you should first send an email to compliance@adharmonics.com. You can also contact us via regular mail at: usautoinsurancenow.com, 1 Kendall Square, Suite B2102, Cambridge, MA 02139. If you would prefer to contact us via phone, please call 617-466-9231.

Personally Identifiable Information

Personally identifiable information ("PII") is information that identifies you, is generally not available to the public, and may include information about your family as well as you personally. We collect PII that you provide us through interaction with our website in order to provide you the service(s) we offer. You are not obligated to provide us PII that we request, however, if you do not provide us with certain information, we may not be able to respond to your requests, process your applications or otherwise conduct the business contemplated between you and us.

For all insurance quote requests we collect personal contact information including name, telephone number, mailing address, email address, gender, birthday and marital status. For life insurance quotes we collect health information including family history, medications and existing conditions. For auto and home insurance we collect details about your home and personal property and your vehicles and drivers.

Minors

Our website and services are not directed toward individuals who are under sixteen (16) years of age ("Minors") nor do we knowingly collect information from Minors.

Cookies

A "cookie" is a test file that is placed in the browser files of your computer when you visit a website. The cookie enables us to relate your use of our website to information that you specifically and knowingly provided to us. We use cookies to improve the quality of our service and to provide content we believe would be of interest to you. Additionally we track usage statistics to better understand how people interact with our site. Cookies do not collect personally identifiable information; the information collected is in an aggregate, non-identifiable form. We do not link the information we store in cookies to any personally identifiable information.

We partner with a third party ad network to either display advertising on our Web site or to manage our advertising on other sites. Our ad network partner uses cookies and Web beacons to collect non-personally identifiable information about your activities on this and other Web sites to provide you targeted advertising based upon your interests. If you wish to not have this information used for the purpose of serving you targeted ads, you may opt-out by clicking here. Please note this does not opt you out of being served advertising. You will continue to receive generic ads.

Our third party advertising partner uses clear gifs (web beacons), images and scripts. We do not tie the information gathered to our customers’ personally identifiable information.

Use of Information

By filling out information on our website as part of a request for information about insurance policies and quotations, you authorize us to provide that information to various insurance companies, insurance agents and other related third parties that participate in our insurance quote network (collectively "Insurance Providers"). The Insurance Providers may provide your personal information to their insurance carriers, suppliers and other related vendors in order to generate price quotations and information relevant to insurance policies that you have requested, and the Insurance Providers may use the information to contact you directly with quotations by means of telephone, fax, email and postal mail, even if you have registered your phone number(s) on local and/or national no-call lists. You further acknowledge and agree that each Insurance Provider that receives your quote request from this website or from our affiliates may confirm your information through the use of a consumer report, which may include among other things, your driving record and/or credit score. For purposes of faxing, it is understood that Insurance Providers have an established business relationship with each user of this website, if required to comply with the then current law.

We use reasonable commercial efforts to ensure that the Insurance Providers are obligated to protect your PII to at least the degree established in this policy. Additionally, it is our policy to require Insurance Providers to use commercially reasonable means to secure the receipt and processing of your PII.

You should be aware that after an Insurance Provider contacts you directly, any information you provide to the Insurance Provider, which may be the same as or similar to the PII you submitted to us through this website, will no longer be covered by this policy. In such cases, you should verify the individual Insurance Provider's privacy policies and practices. We have no control over these Insurance Providers and their practices and cannot and will not be responsible or liable, financial or otherwise, for their respective privacy policies and practices. Also be aware that the Insurance Providers may use the PII they acquire from this website in connection with other information they acquire about you (from other sources that have collected PII about you such as credit reporting companies, etc.) as well as information you provide them directly. We cannot and will not be responsible or liable, financial or otherwise, for any of the PII that you provide directly to Insurance Providers after the Insurance Provider contacts you or that they acquire from sources other than this website.

We may also share your PII with the following types of entities and/or under the following circumstances:

Third parties with whom we have promotional or advertising relationships (provided that we are not otherwise restricted from this sharing of information). If you do not want us to share your personal information with these companies, contact us at compliance@adharmonics.com.

If we obtained your information from public sources.

There is no way for you to access or update your information once a request is submitted. If you make a mistake in a request, you can re-submit your information in full. We do not directly contact you through email or telephone. If you no longer want to receive correspondence regarding insurance quotes, you need to take action directly by contacting the respective Insurance Provider(s) that contact you and ask them to no longer contact you. We will not sell, rent or disclose your PII to third parties for purposes of their own marketing campaigns except as authorized in this policy.

We may provide your PII to, or permit access to it by, our subsidiaries, affiliated companies, vendors and/or service providers, such as our ISP or infrastructure hosting companies, for the purpose of processing such information on our behalf, or where such access is incidental to their providing assistance to us. In such cases, we expect these parties to process such information based on our instructions and in compliance with this privacy policy.

We reserve the right to disclose your PII as required by law and when we believe that disclosure is necessary to protect our rights and/or comply with a court order, legal process or judicial proceeding served on us.

Access

If your personally identifiable information changes, or if you no longer desire our service, you may [correct, update, amend, delete/remove or deactivate it] by emailing our Customer Support at compliance@adharmonics.com or by contacting us by postal mail at usautoinsurancenow.com , 1 Kendall Square, Suite B2102, Cambridge, MA 02139.

Data Rentention

We will retain your information for as long as your account is active or as needed to provide you services. If you wish to cancel your account or request that we no longer use your information to provide you services contact us at compliance@adharmonics.com. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

Security

The security of your personal information is important to us. When you enter sensitive information (such as health history) on our order forms, we encrypt the transmission of that information using secure socket layer technology (SSL).

We follow generally accepted standards to protect the personal information submitted to us, both during transmission and once we receive it. No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, we cannot guarantee its absolute security. If you have any questions about security on our Web site, you can contact us at compliance@adharmonics.com.

Affiliated and Other Websites and Advertisements

This privacy policy applies to websites and services that are owned and operated by usautoinsurancenow.com. We do not exercise control over the websites of third parties that you may link to or view as part of a frame on a page on this website. These other sites may place their own cookies or other files on your computer, collect data, or solicit personally identifiable information from you. We are not responsible or liable, financial or otherwise, for the actions or policies of such third parties. You should check the applicable privacy policies of those third parties when providing information on a feature or page operated by a third party. You should always be careful in how you use and share any sensitive personal information with any third party.

Links to Third Party Sites

Our website may contain links to other websites that we believe may be beneficial to our users. We are not responsible or liable, financially or otherwise, for the privacy policies or practices of these sites.

Changes in this Privacy Statement

If we change our privacy policy, we will post the changes directly to this privacy statement, post a notice on our home page, and any other places we deem appropriate, so that you are aware of said changes. We reserve the right to modify this privacy policy at any time. If usautoinsurancenow.com is involved in a merger, acquisition, or sale of all or a portion of its assets, you will be notified via email and/or a prominent notice on our Web site of any change in ownership or uses of your personal information, as well as any choices you may have regarding your personal information.