InsureRater has created this privacy
statement in order to demonstrate our firm commitment to protecting your
privacy. Our goal is to make you aware of the types of information we
collect on our web site and how we use this information to process
insurance requests and provide a more personalized experience.
Specifically, this privacy statement discloses how we protect your
security, what information we require, how we use the information you
provide, and how you can correct or change any information you have
The InsureRater site is directed to United States residents only. This site
contains links to other sites; InsureRater is not responsible for the
privacy practices or the content of those sites. We do not knowingly
market to children. Our information gathering and dissemination
practices for this web site are detailed as follows:
How Do We Protect Your Security?
We value your trust and handle your information with
care. This site has security measures in place to protect from loss,
misuse and alteration of the information under our control. Our
employees are committed to safeguarding your information using our high
security standards and procedures.
Application information is sent to us using "SSL" encryption technology
or Secure Socket Layering to keep your information confidential on-line.
SSL encrypts all of your information so that it cannot be read as it
travels over the Internet. SSL works by using a private key to encrypt
data. A third-party Certificate Authority authenticates the identity of
the computer that sends the data and the computer that receives the
By using this method of authenticating, unauthorized users cannot
intercept the data and cannot send false information about you. InsureRater
has a Secure Server Digital ID that has been issued and certified by a
InsureRater uses firewall technology as another layer of
protection. This is a system designed to prevent unauthorized access to
or from a private network when connected to the Internet. All data
passing into or out of our network must first pass through the firewall.
The firewall reviews each piece of data to make sure it meets our
security criteria. The firewall blocks any data that does not meet the
The Storage of Your Information
InsureRater stores your information on a database server,
which is separate from our web server. Even in the unlikely event that
someone gains unauthorized access to our web site, they could not access
YOUR CONFIDENTIAL INFORMATION
What information do we need?
When you make an insurance request on our site, we may
ask for information about you, your business, your employees, or your
vehicles in order to create a quote and policy for you and determine
applicable rates for coverage. The requested data may include contact
information, demographic and financial information, and unique
identifiers. Examples of the information we may request include, but are
not limited to:
Zip code, date of birth, gender, marital status,
prior insurance carrier, current policy expiration date, home ownership,
length of residence, review of credit information, employment duration,
distance driven, vehicle information and attributes, vehicle use, number
of drivers, driving record information, business type, business
revenues, number of employees, employee classifications, prior claims
history, property information, and payroll.
As permitted by law, this site may order certain
underwriting reports, such as motor vehicle, consumer credit or loss
claim history to determine eligibility and to provide coverage at the
lowest possible cost. InsureRater may ask you to verify or provide
additional information if you decide to buy a policy. At your request,
we will provide information on how to contact these agencies to verify
and/or correct your information (see below). These reports and your
insurance request information will only be available to the insurance
companies affiliated with InsureRater and listed on our site. Any
information collected in relation to the generation of insurance quotes
or policies is considered confidential information entrusted to InsureRater.
InsureRater uses a technology called "temporary cookies".
When you visit InsureRater.com, we send you a temporary cookie that is held
in your browser's memory. When you close your browser or log-out from
your session, the temporary cookie disappears - that's why we named it a
"temporary cookie." If you are using a computer that others have access
to (school, library, internet cafe), we recommend you close your browser
when you complete your internet session. Cookies cannot harm your
computer in any way. Only the web site that places a cookie on your
computer is allowed to read it; no other web site may access the cookie
that is placed on your computer by InsureRater.com. In no instance are we
able to determine your email address or any other personal information
from the cookie.
If you have any questions about
this privacy statement, our standard practices, or your interactions
with this web site, you can email us at
telephone us at 1.888.968.7966; or write to us at: InsureZone,
550 Bailey Avenue, Suite 150, Fort Worth, TX 76107.
How Do We Use Your Information?
InsureRater uses your information to generate accurate
insurance rates and provide a faster response to your insurance
requests. Specifically, we will use customer contact information from
the registration form to reach you, if necessary, as well as to send you
information about InsureRater and selected partners. Users may choose to
opt-out from receiving future mailings; see the choice/opt-out section
below. Profile, demographic and financial information is collected to
determine your rates. Demographic data is also used to enhance your next
visit to our site by showing you new information or services that we
think you might be interested in and displaying the content according to
Unique identifiers (such as social security numbers or
Federal Tax ID number) are collected from insurance applicants to verify
their identity. Like most web sites, we are often able to detect and
store your IP address and the web site that referred you to our site. We
collect information on web traffic and usage patterns. We use this
information to help diagnose problems with our servers, to administer
our web site and to provide adequate capacity for our visitors. Your IP
or domain name address is used to help identify you and your insurance
requests. We may use your contact information to send you insurance
information or other reminders via email, mail and/or telephone. You may
opt-out of receiving these communications as described under the
Choice/Opt-out heading below.
As part of our current insurance
operations, we do not offer users a means by which to completely delete
personal information provided during an insurance request. For those
customers electing insurance coverage or purchasing an insurance policy,
information is sent only to the customer's selected insurance carrier,
company or underwriter for the purpose of obtaining insurance coverage
for the customer.
Do We Share Your Information?
InsureRater does not share or sell email addresses,
mailing information, telephone numbers or any other personal information
to third parties engaged in e-commerce or otherwise. It is not our
practice to disclose personal information to third parties without your
authorization. InsureRater participates in various insurance industry
databases, including reported claims, additional driver information and
actuarial studies. We may share information about you during the course
of normal insurance operations. If and when you become an InsureRater
customer or claimant, we may share information about you with the
1. A third party, if it is reasonably necessary to
enable the party to perform services for us, such as claims
investigations, appraisals, the detection of fraud or material
2. Any of our affiliated companies who provide service to you;
3. Insurance regulatory authorities;
4. Law enforcement agencies or other governmental authorities to
protect our interest or to report illegal activities.
We will not sell or release your
e-mail address without your permission. If you give us permission to
allow our affiliated companies (that have met our rigorous screening
process) to contact you, you always have the option to stop receiving
special offers from those affiliates. InsureRater will always give you the
opportunity to opt-out of receiving communications from us and our
partners. You may opt-out of receiving email, mail or telephone calls
from InsureRater by writing to
indicating the name, address and telephone number you wish to have
removed from our contact list. We regret that currently we cannot offer
users a means by which to completely delete personal information
provided during an insurance request.
How Can You Correct Information You Have Provided?
You have the right to access and
correct all personal information collected by third party consumer
reporting agencies. In the case of information obtained from third party
consumer reports, InsureRater will provide you with contact information for
the reporting agency in question so that you can verify and/or correct
your information with them. Please send your inquiry to us at: