We may collect personal information that can identify you such as your name and e-mail address, as well as other information that does not identify you such as your zip code. When you provide personal information through our website, the information may be sent to Premier Benefits Insurance Group servers located in the United States and other countries around the world.
Information You Provide.
As mentioned above, we may collect information you submit on our website, such as your name, e-mail address and zip code. We may also track your interaction with email advertisements sent to you by Premier Benefits Insurance Group or our e-mail service providers on our behalf (for example, when you register, purchase, or browse in response to such emails).Interactions with our website, including page clicks, time spent, and other meta-data may also be collected. In addition, we may also collect data from internet cookies.
Information from Other Sources.
We may also periodically obtain both personal and non-personal information about you from business partners, contractors and other third parties, as well as information from public databases. Examples of information that we may receive include information about your home and additional demographic information.
We and our authorized service providers, advertising companies, and ad networks may use various activity tracking technologies, such as cookies, pixels and web beacons, to collect information from your computer and about your activities on our website or interaction with our advertisements (see "Information Collected by Third Parties" below). We and these companies may automatically collect information from your browser when you visit our website. This information may include your IP address, your browser type and language, access times, the content of any undeleted cookies that your browser previously accepted from us or them (see "Cookies" below) and the referring website address.
We may use other standard Internet activity tracking technologies, such as web beacons and similar technologies, to track your use on our website or your interaction with our advertisements. A web beacon is a programming code used to display an image on a web page and can also transfer an individual's user identification to a database and associate the individual with previously acquired information about the individual. Such information may be used in targeted or behavioral advertising, as well as for the other uses described in this paragraph. We may include web beacons in promotional e-mail messages or newsletters or online advertisements to determine whether messages have been opened or acted upon. We may use the information we obtain in this manner to customize the services and offers we provide our website's visitors, to deliver targeted advertisements, and to measure the overall effectiveness of our online advertising, content, programming or other activities. We do not tie web beacons to any personal information you submit while on our website.
Targeted or Behavioral Advertising
Targeted advertising (also known as behavioral advertising) uses information collected on an individual's web browsing behavior such as the pages they have visited or the searches they have made. This information is then used to select which Excel Impact advertisement should be displayed to a particular individual on websites other than an Excel Impact site. For example, if you have shown a preference for Medicare supplemental insurance while visiting an Excel Impact, site, you may be served an advertisement from or about the Excel Impact site for Medicare supplemental insurance when you visit a site other than the Excel Impact site. The information collected is only linked to an anonymous cookie ID (alphanumeric number); it does not include any information that could be linked back to a particular person, such as their name, address or credit card number. The information used for targeted advertising either comes from the Excel Impact site you are visiting or through third party website publishers.
In addition, we may place (or allow third parties to place) cookies and pixels on our website which enable our authorized service providers, advertising companies and advertising networks to collect information about our users who view or interact with their or our advertisements on our website or complete certain actions on our site, such as submitting a form. However, we do not tie these cookies and pixels to personal information that you submit on our website. The information collected by the cookies and pixels allows us and our partner companies to deliver, and gauge the effectiveness of, targeted advertisements, both on our website and when you are browsing other websites. Some of these third-party advertising companies may be advertising networks that are members of the Network Advertising Initiative (www.networkadvertising.org), which offers a single location to opt out of ad targeting from member companies.
Storage of Information We Collect
We may store the personal information described above as necessary to accomplish the business purposes for which it was collected, as well as to comply with our legal and audit obligations, resolve reported and potential disputes, and enforce our agreements. We also maintain an information security program that limits storage of personal information to what is needed to fulfill our reasonable business, legal and audit requirements.
In general. We may use information that we collect about you to:
We want you to understand when and with whom we may share personal or other information we have collected about you or your activities on our website, while using our services or in your other interactions (such as responding to e-mails) with us.
We may share your personal information with the following third parties:
Authorized Service Providers.
We may share your personal information with our authorized service providers that perform certain services on our behalf. For example, we may engage other companies to provide data storage, to assist in marketing Premier Benefits Insurance Group products or services, to conduct audits, to provide web analytics, and to provide hosting, design, development and other operations which make our website work. Other third-party service providers may help us communicate with you through e-mail. Our policy is to permit these third-party service providers to obtain only the personal information they need to provide the services, and to require them to protect personal information to the same extent as Premier Benefits Insurance Group , including not using it for any improper purpose.
When you express interest in products, services or promotions offered through our website or our services, we may share your expression of interest with the businesses with which we partner to offer you those products, services and promotions, and, as applicable, their affiliates and third-party finder or marketing companies. When you elect to engage in a particular offer or program, you authorize us to provide your e-mail address, phone number, and other information to those businesses.
From time to time, where permitted by applicable law, we may share your personal information and automatically collected or aggregated information about you with reputable direct marketers so that they may offer products and services, which we hope, will be of interest to you. Please see the section below entitled "Your Choices About Collection and Use of Your Information" for detailed information on your choices regarding your personal information.
If you provide your zip code, we will find insurance companies in your area whom we think may be of interest to you. Once you submit your zip code and select the company you wish to obtain a quote from, you will then be redirected to that third party site and provide information to them directly. Because the insurance companies and other partners on the Premier Benefits Insurance Group network with whom you are matched may retain or use your personal information whether or not you qualify for, or obtain, insurance or another product from them, you should contact these persons directly concerning their privacy and information sharing practices.
Special Notice to Vermont Residents.
Premier Benefits Insurance Group will not share any personal information about you with other affiliated companies to the extent prohibited by applicable Vermont law or to the extent your prior consent to share is required by applicable Vermont law.
Other Situations. We also may disclose your information:
(1) 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.
(2) When we believe disclosure is appropriate in connection with efforts to investigate, or to 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, our users, our employees or others; or to enforce our website's terms and conditions or other agreements or policies.
(3) In the event Premier Benefits Insurance Group goes through a business transition, such as a merger, acquisition by another company, or sale of all or a portion of its assets, or in the unlikely event of a bankruptcy, your personally identifiable information will likely be among the assets transferred. You will be notified via email or prominent notice on our website for 30 days of any such change in ownership or control of your personal information.
Please note that information may also be collected by third parties such as advertising companies and advertising networks via third-party cookies and pixels on our site (please see the subsection above entitled "Targeted or Behavioral Advertising" for details).
Aggregated and Non-Personal Information.
We may share aggregated information (i.e., information about you and other customers collectively, but not specifically identifiable to you) and other non- personal information we collect under any of the above circumstances. We may also share it with third parties and affiliated companies to develop and deliver targeted advertising on our websites and on websites of third parties. We may combine non-personal information we collect with additional non- personal 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 personal 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.
If your personal information changes, or if you would no longer like us to contact you, you may correct, update, or request deletion by emailing us at firstname.lastname@example.org.
We will retain your information for as long as needed to provide you services. We may also retain and use your information as necessary to comply with our legal and audit obligations, resolve reported and potential disputes, and enforce our agreements. If you wish to request that we no longer use your information to provide you services, please contact us at email@example.com. We ask individual users to identify themselves and the information requested to be accessed, corrected or removed before processing all such requests, and we may decline to process requests that are unreasonably repetitive or systematic, require disproportionate technical effort, jeopardize the privacy of others, or would be extremely impractical (for instance, requests concerning information residing on backups), or for which access is not otherwise required. All requests are also subject to the next section below ("Your Choices About Collection and Use of Your Information").
We also maintain an information security program that limits storage of personal information to what is needed to fulfill our reasonable business, legal and audit requirements.
You can choose not to provide us with certain information, but that may result in you being unable to use certain features of our website because such information may be required in order for you to apply for or obtain products or services.
If you receive e-mail messages or newsletters from us, you will be given the opportunity, in any commercial e-mail that we send to you, to opt out of receiving such messages in the future. It may take up to 10 business days for us to fully process an opt-out request. We may send you other types of transactional and relationship e-mail communications, such as requests for additional information, confirmations, service updates or announcements, administrative notices and surveys, without offering you the opportunity to opt out of receiving them. Please note that opting out of receipt of commercial e-mail communications will only affect future activities or communications from us. If we have already provided your information to a third party before you have changed your preferences or updated your information, you may have to change your preferences directly with that third party.
We take appropriate security measures (including physical, electronic, and procedural measures) to help safeguard your personal information from unauthorized access and disclosure. For example, with regard to ' Premier Benefits Insurance Group’s internal operations, only authorized employees and authorized third party service providers are permitted to access personal information, and they may do so only for permitted business functions. We follow generally accepted industry 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.
The California Consumer Privacy Act (CCPA) provides California residents with the additional rights listed below.
You have the right to know and see what data we have collected about you over the past 12 months, including:
You have the right to request that we delete the personal information we have collected from you. There are a number of exceptions, however, that include, but are not limited to, when the information is necessary for us or a third party to do any of the following:
You have the right to request that we do not share, disclose, or sell your personal information to third parties. You may exercise that right by the methods outlined in "Exercising Your California Privacy Rights".
You can request certain information about our disclosure of personal information to third parties for their own direct marketing purposes during the preceding calendar year. This request is free and may be made once a year. You also have the right not to be discriminated against for exercising any of the rights listed above.
To request access to or deletion of your personal information, or to exercise any other data rights under California law, please contact usor direct your authorized agent to contact us using the following methods:
When submitting a request via one of the approved methods you will be prompted to provide some information, including your full name, address, email address and phone number. This information is used to validate your request. Upon collection of your information, you will receive an email asking you to validate ownership of that email address by means of a one-time link or code. Without confirmation of ownership of your email address your request may not be processed. The link in the verification email is set to expire after a few days to protect your information should someone gain unauthorized access to your email account at a later stage.To protect your data from unauthorized access, we use the other data points you provide and match it with the information we may have previously obtained from you. If there is a mismatch in the data provided, we shall inform you of this and deny your request, at which point you may start a new claim with corrected information. If the information matches, we will proceed with the processing of your request. The level of data verification may vary depending on the type of request as allowed by the law.
We aim to respond to a consumer request for access or deletion as soon as possible. If we require more time, we will inform you of the reason and extension period in writing.