e-Insure Services, Inc., recognizes the importance of protecting the privacy of personal information about our clients and others who visit our Web site. Within this context, the term "personal information" includes any personally identifying information you provide, whether online or by any other means. You may give e-Insure personal information when you register for an account or service, or when you communicate with us via telephone, fax, or e-mail. e-Insure's policy is never to share your personal information with any third party except as you specifically permit or as required by law.
e-Insure Services, Inc., is the sole owner of the information collected on einsure.com. e-Insure collects information from our users at the following points on our Web site:
- User Registration
- Insurance Quotes
- User Profile
Many of the services available on einsure.com require no registration, and may be accessed anonymously. Others, such as insurance quotes, require that a user first complete a registration form. During registration a user must provide a minimal set of identifying information, including the user's name, e-mail address, and zip code. This information uniquely identifies the user's account with e-Insure Services and enables us to select insurance providers that do business in the user's geographic region. The user may provide more extensive contact information as well, though this is not required. We will occasionally contact the user via the provided e-mail address regarding the administration of the user's account. Subject to the user's approval, we may also use this information to contact the user about services on our site about which the user has expressed an interest.
During the insurance quoting process, we may collect additional personal information from the user relevant to the product under consideration. Depending on the nature of the quote, this information may relate to the user's business, demographic, financial, legal, medical, residential, or other history or current status.
e-Insure consolidates all personal information collected about an individual user into that user's User Profile. Each user has the ability to add, edit, or delete this information at will. Apart from the user, only selected e-Insure employees have direct access to the entirety of this information, in order to facilitate customer service. e-Insure partners have limited access as required to service insurance quotes requested by the user. No other party has access to User Profile information, except as the user specifically permits or as required by law.
e-Insure makes use of information collected from our users in a number of ways. Some of these uses are intrinsic to the operation of the Web site; in other words, the einsure.com Web site would be unable to fulfill essential functions without access to such information. Other uses enable e-Insure to provide the best possible customer service, while still others assist us in formulating business strategy.
The following is a list of the most significant ways in which e-Insure makes use of your personal information.
- Insurance Quotes
- User Profile
- Log Files
- e-Insure Journal
e-Insure Services is in the business of connecting businesses and consumers with insurers and providers of insurance information that can meet their specific needs. An essential part of the process involves sharing relevant personal information about the user with prospective providers, so that providers can provide an appropriate and useful response.
Our partners receive this information in one of two ways, depending on the type of service requested. Online quoting engines generally provide their own applications. In the case where the user has elected to be serviced by an online quoting engine, e-Insure will frame the quote engine's application, meaning that any information entered by the user will pass directly to the partner. e-Insure generally does not have the option to retain or make use of this information, although in some cases e-Insure can contribute to it (and add convenience for the user) by prefilling relevant application fields with data from the user's User Profile.
Most e-Insure Partners are insurance agencies that lack the capacity to provide their own online capacities. When a user elects to be serviced by a human insurance agent, relevant information from the user's User Profile is displayed directly to the user's selected insurance agent.
As described above, a user's User Profile serves as a central repository of all contact and insurance-related data entered by the user. The user has the ability to add, edit, or delete information from his User Profile at any time. In addition to user-entered data, the User Profile also contains administrative information such as a running record of e-Insure employee interactions with the user. This information enables e-Insure's small staff to provide a consistently high-quality customer service experience across our very large client base, and is not accessible to the user.
A cookie is a piece of data, stored on the user's computer, that is tied to information about the user. We use both session ID cookies and persistent cookies.
Session ID cookies enable e-Insure to identify a specific user across multiple browser requests. Once users close the browser, the session ID cookie simply terminates. e-Insure uses a session ID cookie to ensure that, once a user logs into his account, only that user has access to his personal information. Sections of the einsure.com website that require users to log in will not function properly if the user has disabled cookies in his browser.
A persistent cookie is a small text file stored on the user’s hard drive for an extended period of time. Persistent cookies can be removed by following Internet browser help file directions. As a convenience during the log in process, a user may request that his browser remember the e-mail address that identifies his account. This function is implemented through the use of a persistent cookie.
Like most Web sites, e-Insure uses server log files. These logs record many details about a user's visit to the site, including the following:
- User internet protocol (IP) address.
- User browser type.
- User internet service provider (ISP).
- Page from which the user entered the site.
- Page to which the user exited the site.
- User platform type.
- Date & time of visit.
- Specific sequence of user's progress through site.
e-Insure uses this information to analyze trends, administer the site, track user movements in the aggregate, and gather broad demographic information for aggregate use. IP addresses, etc., are not linked to personally identifiable information. In other words, although we know precisely what a user may have done during a particular visit to our site, we do not know which user did it.
To assist us in performing these analyses, e-Insure uses a popular log file tracking utility called WebTrends.
e-Insure Services restricts its communications to those users who have established accounts on the einsure.com Web site. These communications fall into two general categories:
- Administrative communications.
- Targeted announcements.
Administrative communications are generally one-of-a-kind in nature, and involve specific issues regarding the user's account. Examples of such communication are registration confirmations and confirmations of e-mail address change.
Users may opt to receive e-mailed announcements of new content or products of interest to the user. Such communications are strictly limited to users who have opted to receive them. For example, such communications might announce the publication of a new e-Insure Journal article or the release of a new insurance product in the user's geographical region.
Users who have received such announcements and wish to opt out of them in the future may do so by completing one of the following tasks:
- Reply to the e-mail with the word "unsubscribe" in the subject line.
- Send a request with the word "unsubscribe" in the subject line.
- Alter the appropriate e-mail setting on the User Profile page.
Though we at e-Insure Services make every effort to preserve user privacy, we may need to disclose personal information when required by law wherein we have a good-faith belief that such action is necessary to comply with a current judicial proceeding, a court order, or legal process served on our Web site.
We occasionally share aggregated demographic information with current and prospective partners and advertisers. Such information is in aggregate form only, and is not linked to any personally identifying information about our users.
e-Insure users can opt to have their personal information shared with reputable third parties deemed by e-Insure to have products or services of specific interest to them. Although e-Insure exerts no control over what such third parties do with this information once it is shared, users may at any time opt out of future sharing. e-Insure Services will personally notify users at any time we share their personal information with a third party.
e-Insure currently has no third-party information sharing arrangements.
If you have reason to believe that any e-Insure affiliate—whether a partner or a third party—is violating your privacy, we encourage you to inform our department. If, following our investigation, we determine that an affiliate has in fact violated a user's privacy, we will issue a single warning. Future violations will result in the immediate termination of the business relationship.
In the event e-Insure goes through a business transition, such as a merger, being acquired by another company, or selling a portion of its assets, users’ personal information will, in most instances, be part of the assets transferred.
This Web site contains links to other sites. Please be aware that e-Insure Services is not responsible for the privacy practices of such other sites. We encourage our users to be aware of when they leave our site and to read the privacy statements of each and every Web site that collects personally identifying information. This privacy statement applies solely to information collected by this Web site.
In certain cases—specifically when a user is filling out a application for one of e-Insure's on-line quote engine partners—e-Insure uses framing technology to present content from our and our partner's Web sites simultaneously. In every such case, we will clearly identify the framed partner Web page as an outside entity. e-Insure will not allow any framed any web page to collect a user's personal information unless the page provides a level of security that meets our own high standard.
e-Insure collects user feedback regarding each interaction with our partners. This feedback enables us to identify potential customer service issues, and is also an essential component of the ranking system that determines how partners are presented to prospective future clients.
Although feedback is tied to specific user accounts within our database, such information is never presented to partners or to other users except in aggregate form, meaning that no particular feedback instance can be correlated to a specific user.
The mission of the e-Insure Journal is to help people and businesses make well-informed decisions about buying and managing insurance. Although Journal articles are primarily written by insurance industry professionals, the editors highly encourage editorial contributions from the lay public. Although contributors are free to attach personal contact information to their articles and letters, e-Insure accepts no responsibility for the consequences of publishing such potentially sensitive information in the public domain.
This Web site takes every precaution to protect our users’ information. When users submit sensitive information via the Web site, their information is protected both online and off-line.
When we ask users to enter sensitive information (such as contact and medical information), that information is protected by industry-standard 128-bit Secure Sockets Layer (SSL) technology. Users can identify SSL-protected pages by the lock icon that appears at the bottom edge of Web browsers such as Netscape Navigator and Microsoft Internet Explorer.
e-Insure's SSL certificate provider is Verisign, Inc. Click here to validate the integrity of e-Insure's SSL-based security scheme.
While we use SSL encryption to protect sensitive information online, we also do everything in our power to protect user information off-line. All of our users' information, not just the sensitive information mentioned above, is restricted to our offices and our off-site data facility. Only employees who need the information to perform specific job tasks, such as customer service, are granted access to personally identifying information. All employees are kept up-to-date on our security and privacy practices. Finally, the servers that store personally identifying information are in a secure and hardened environment at an Interland Data Center.