1. Scope and Consent

This Privacy Policy applies to your use of the NationQuote.com website, as well as any other website that displays this Privacy Policy (referred to as the “Website” or the “Site”). It also pertains to your use of interactive features, widgets, applications, content, or downloads provided by us through the Website and displaying this Privacy Policy (collectively referred to as the “Services”).

This Privacy Policy governs your access and use of the Services, regardless of the devices or platforms you use to access them, such as personal computers or mobile devices. However, this Privacy Policy does not apply to data we receive from third parties unless we combine such data with Personal Information (defined below) that we have collected under this Privacy Policy.

Please note that this Privacy Policy does not cover data collection offline, including information obtained during telephone calls with NationQuote personnel, representatives, or outside of our Services (unless stated otherwise below).

Our statements in this Privacy Policy pertain only to information collected directly through the Services by us and not by third parties who may interact with our Services or link to this Website. If we provide you with separate or additional privacy policies or practices notice on this Site (e.g., during data collection), those additional terms will govern the collection and use of such data.

By using the Services and/or submitting inquiries through the Services, you expressly agree to comply with the terms and conditions stated in the Privacy Policy effective at the time of your use.

2. Changes to This Privacy Policy

We retain the right to add, update, delete, or modify this Privacy Policy at our sole discretion. We reserve the right, in our sole discretion, to change the Privacy Policy at any time. Notices of changes to the Privacy Policy may be posted or displayed on this Site. Once these changes are posted, they become effective immediately.

If you find any changes we make unacceptable, please discontinue using our Services. By continuing to use our Services, you agree to be bound by the revised Privacy Policy. We encourage you to regularly revisit and review this Privacy Policy to stay informed about the latest rights and obligations governing your agreement with us. This Privacy Policy does not confer any third-party rights or benefits to you.

3. What information do we collect?

3.1 Information You Provide to Us At NationQuote, we prioritize the security of your personal information. We only collect “Personal Information” through our Services when you voluntarily provide it to us, such as through the “Get Your Free Quote,” “Subscribe to NationNews,” “Home Insurance Coverage Calculator,” or similar pages. Personal Information refers to unique information that identifies you and may include details like your phone number, biometric information (such as height and weight), name, address, email address, Social Security Number, birthdate, and certain medical or health information.

We may also collect Demographic Information, such as your gender and age, when you enter information on the “Get Your Free Quote,” “Home Insurance Coverage Calculator,” or similar pages. If you come across a screen or page that requests information you do not wish to share with us, please refrain from entering the information and do not proceed with that screen or page.

When you provide us with Personal Information, we use it for obtaining a quote, calculating a life insurance policy, or for the purpose stated on the page where the Personal Information is collected. We do not license, transmit, or disclose this information to third parties unless: (1) you expressly authorize us to do so, (2) it is necessary for our contractors or agents to provide services on our behalf, (3) it is required to provide our products or services to you, (4) it is disclosed to entities that perform marketing services on our behalf or have joint marketing agreements with us, (5) it is disclosed to insurance providers to obtain an insurance quote or connect you with insurers in your area, or (6) it is required or permitted by applicable law. The information you choose to provide may also be used to improve the content of our Site and Services or for marketing purposes.

3.2 Information Others Provide to Us About You Occasionally, we may supplement the information we collect directly from you on our Services with outside records from third parties, such as credit reports or driving history. This is done for various purposes, including underwriting an insurance application, enhancing our ability to serve you, tailoring our content to you, and offering you relevant opportunities.

If we combine information received from those sources with your Personal Information collected on our Service, we treat it as Personal Information and apply this Privacy Policy unless otherwise disclosed. 3.3 Information We Collect When You Use the Services In addition to any Personal Information or other information you choose to submit to us, we and our third-party service providers may use various technologies to collect certain information whenever you interact with our Services (“Usage Information”).

This Usage Information may be stored or accessed using technologies that download to your device, such as cookies, web beacons, embedded scripts, browser fingerprinting, GPS, iBeacons, and ETags. When we associate Usage Information with your Personal Information collected directly from you, we treat it as your Personal Information.

Usage Information may include:

• Your IP address, UDID, or other unique identifier (“Device Identifier”).
• Your Device functionality, including browser, operating system, hardware, and mobile network information.
• The URL that referred you to our Services.
• The areas within our Services that you visit and your activities there, including preferences.
• Your Device location.
• Your Device characteristics.
• Other Device data, including the time of day and additional information.

3.4 Information Collected Through Tracking Technologies

A. Types of Tracking Technologies

We Use We utilize various tracking technologies to automatically collect Usage Information and Demographic Information, including but not limited to cookies, web beacons, embedded scripts, browser fingerprinting, GPS, iBeacons, and ETags (“Tracking Technologies”).

These Tracking Technologies may set, change, alter, or modify settings or configurations on your device. A cookie, also known as a “locally shared object,” is a data file placed on your device when you visit our site. Your browser or other software may allow you to reject or remove cookies, but please note that disabling cookies may impact the functionality of our Services and prevent us from remembering your preferences for future visits. We also utilize web server logs to collect and store information about the usage of our Services. When you access our Services from a mobile device, such as a smartphone, we may collect additional information, including your location, Device Identifier, and details about your mobile network.

B. Purpose of Tracking Technologies

We employ Tracking Technologies for various purposes, including:

i. When Strictly Necessary to Provide the Services

We use Tracking Technologies that are necessary to allow you to access and use our Services. These include cookies required for fraud prevention and enhancing security.

ii. To Assess Performance

We utilize Tracking Technologies to assess the performance of our Services, including through analytics, in order to improve the content and services we offer.

iii. To Improve Functionality

Tracking Technologies are used to provide enhanced functionality when you interact with our Services. This may involve identifying you when you visit our Site or remembering your specified preferences.

iv. To Deliver Relevant Content

We employ Tracking Technologies to deliver content that is relevant to your interests on our Services and third-party sites. This is achieved by understanding how you interact with our Services and tailoring the content delivered to you.

C. Tracking Technologies Choices and Consent

We obtain your consent to collect Usage Information and Demographic Information through Tracking Technologies by providing transparent information in this Privacy Policy and giving you the opportunity to choose whether to disable cookies, as explained above. Please note that certain Tracking Technologies that are strictly necessary for our Services do not require your consent.

We provide detailed notice about Tracking Technologies and limited choices regarding them to ensure that your consent is informed and meaningful.

D. Third-Party Tracking

There may be additional Tracking Technologies used by us or third parties in connection with our Services. These third-party Tracking Technologies may collect information about your online activities across third-party websites or online services. While we do not control these Tracking Technologies, you acknowledge and consent to the potential encounter of third-party Tracking Technologies when using our Services, and you understand that our Privacy Policy does not apply to the Tracking Technologies or practices of such third parties.

E. Do Not Track

Some Internet browsers may be configured to send “Do Not Track” signals to the online services you visit. As of now, there is no industry consensus on the meaning of “Do Not Track” in this context. Our Services do not alter their practices in response to “Do Not Track” signals.

To learn more about “Do Not Track,” please visit allaboutdnt.com.

F. Disabling Tracking Features

Most commercial browsers provide tools to disable or remove regular cookies. However, please note that disabling or removing these technologies may result in certain parts of our Services not functioning properly.

For Flash cookies, you can visit Adobe’s website to learn how to disable them. It’s important to note that limitations and options for disabling Tracking Technologies may vary across different browsers and devices.

Please be aware that when you revisit our Site, your ability to limit browser-based Tracking Technologies is subject to the settings and limitations of your browser.

4. How do we use the information collected?

• We utilize the Personal Information, Demographic Information, and Usage Information we collect about you, in accordance with this Privacy Policy, for the following purposes:
• Providing information or services that you have requested or agreed to receive, as well as delivering marketing information or services on behalf of us or third parties.
• Obtaining insurance quotes or Medicaid premium quotes on your behalf, or connecting you with insurance companies that offer products aligned with your interests.
• Responding to legitimate claims, judicial processes, or requests from law enforcement agencies, as permitted or required by law.
• Enabling your participation in various features of our Services.
• Processing inquiries submitted through our Services, including the verification of your information for accuracy and validity. Improving the functionality of our Services, customizing your user experience, and delivering relevant content tailored to your needs.
• Contacting you regarding your use of the Services, as well as informing you about changes to the Services and/or Services’ policies, at our discretion.
• Utilizing the information for internal business purposes.
• Fulfilling purposes disclosed at the time you provide your information to us, or as otherwise stated in this Privacy Policy.

4.1 To Develop Services, Provide Support, and Improve Security

We may use your Personal Information, Demographic Information, and/or Usage Information for research and the continued development of our Services. At times, we may collaborate with trusted third parties to conduct research.

Furthermore, we may leverage Personal Information, Demographic Information, and/or Usage Information, including communications you have made to us, to investigate and address complaints, as well as to enhance security measures. Such information may also be used to investigate violations of our Terms of Use or this Privacy Policy.

4.2 To Facilitate Communication

Your Personal Information may be used to facilitate communication with you through channels such as email, telephone, or mobile phone. In the context of insurance quotes, we may contact you via telephone to provide detailed information regarding your request. We may also send messages related to service availability, security, or other service-related matters. Additionally, communications may include instructions on using our Services, updates on our network, reminders, promotional messages, or correspondence concerning insurance policy quotes or Medicaid plan premiums. Please note that while you can adjust your communication preferences, you cannot opt-out of receiving essential service messages from us, such as security and legal notices.

4.3 Providing Advertising and Location-Based Services

We may utilize the Personal Information, Demographic Information, or Usage Information we collect about you to: Target relevant advertisements or content specifically to you based on your interactions with our Services. Assess the effectiveness of the advertisements or content delivered to you. Enhance the functionality of this Site, enabling you to comment or contribute content to our Services. By leveraging this information, we strive to provide a more personalized and engaging experience for our users.

5. Sharing of Information with Third Parties

At NationQuote, we prioritize the protection of your personal information. We may share non-Personal Information, such as aggregated user statistics, with third parties. Additionally, we may share your Device Identifiers, along with data related to you and your activities, with third parties.

However, we do not share the Personal Information you have provided through our “Get Your Free Quote,” “Subscribe to NationNews,” “Life Insurance Calculator,” or similar pages with third parties for their direct marketing purposes.

5.1 When You Request Information From or Provide Information to Third Parties

Through our Services, you may have the option to receive information from third parties or have us send information to them or grant them access to it. Furthermore, you may come across links to third-party websites on our Site.

If you choose to engage in such activities, any information you disclose will be subject to the third-party’s privacy policies and practices. It is important to review these policies and practices before requesting information from or interacting with third parties.

Additionally, when you interact with third-party Tracking Technologies, content, tools, apps, or ads on our Services, these third parties may collect, store, or access your information. By utilizing these third-party tools, you acknowledge and accept that you are subject to their respective practices and policies regarding Tracking Technology. Please note that we are not responsible for the privacy policies and practices of third parties. It is your responsibility to review their privacy policies and practices before engaging with them.

5.2 When Third Parties Provide Services on Our Behalf

We may enlist the services of third-party vendors to perform certain functions on our behalf. These functions may include hosting this Site, designing and/or operating features of our Services, tracking activities and analytics, and providing other administrative services.

In order to carry out these services, we may grant these vendors access to your information. It is important to note that these third-party vendors may have their own Tracking Technologies and may collect or have access to information about you, including your Personal Information.

We are not responsible for the technologies employed by these third parties or the activities arising from them. Furthermore, we do not control the effectiveness of their opt-out options.

5.3 To Protect the Rights of NationQuote and Others

We may disclose your information if we believe, in good faith, that such disclosure is necessary or appropriate to:

(i) Protect or defend the rights, safety, or property of NationQuote, third parties, or enforce our policies and agreements, including this Privacy Policy and our Terms of Use.

(ii) Comply with legal and regulatory obligations, such as responding to law enforcement inquiries, subpoenas, or court orders. We exercise our discretion in deciding whether or not to make such disclosures, without prior notice to you, to the fullest extent permitted by applicable law.

5.4 In the Event of a Business Transfer

In the event of a business transfer, such as a merger, consolidation, restructuring, sale of substantially all of our interests and/or assets, or other corporate change, we reserve the right to disclose and transfer all information collected:

(i) To a subsequent owner, co-owner, or operator of this Site or the relevant database.

(ii) During any due diligence process. If another entity acquires NationQuote or part of our business, they will have the right to continue using your data in accordance with this Privacy Policy, unless you agree otherwise.

Rest assured that we will make reasonable efforts to ensure the protection and security of your information throughout any such business transfer.

6. Third-Party Content and Links to Third-Party Sites

At NationQuote, we want to inform you about third-party content and the presence of links to external sites within our Services. These third parties may collect Usage Information, Demographic Information, and your Device Identifier when you use our Services.

However, we have no control over the data collection and privacy practices employed by these third parties or their services. It’s important to note that these third parties may track your activities across multiple sites and share the results of their tracking with us and/or others. For instance, when you click on a link, you may be directed to a different site, taking you away from our Site.

These external sites may associate their Tracking Technologies with you, collect data about you (including Personal Information), and may or may not have their own published privacy policies. Our Services may also include third-party applications. The owners of these applications, referred to as “Third-Party Owners,” may collect Personal Information, Demographic Information, Usage Information, and other data from you.

They may have their own policies and practices, and their applications may track your activities across multiple sites and share the results of that tracking with us and/or others. Please review any available policies before submitting personally identifiable information to a third-party application or interacting with it. Exercise caution when using these applications, and take note when you leave our Site to review the privacy policies of third-party locations.

7. Our Participation in Advertising Networks

At NationQuote, we may choose to utilize third parties such as network advertisers and ad exchanges to serve advertisements on our Services. Additionally, we may engage third-party analytics and service providers to evaluate the use of our Services and the viewing of ads and content, both for us and third parties. Network advertisers refer to third parties that display advertisements, which can be tailored based on your visits to our Services as well as other apps and websites you have interacted with. This allows us to deliver targeted advertisements for products and services that may be of interest to you.

7.1 Network Advertisers May Use Their Own Tracking Technologies

The network advertisers, sponsors, and traffic measurement services associated with our Services may employ their own tracking technologies, such as cookies, web beacons, and other Tracking Technologies, on your device. These technologies enable them to track certain behavioral Usage Information related to users of your device through a unique identifier. The purposes of these third-party Tracking Technologies include delivering advertisements that align with your interests, limiting the repetition of the same ads, and assessing the effectiveness of delivered ads.

By using our Services, you acknowledge and agree that these technologies may access and utilize your device, potentially making changes to its settings in connection with their operations. Additionally, certain images or content provided by third parties in association with their ads or other content may function as web beacons, enabling them to perform the activities described above.

7.2 NationQuote is Not Responsible for Third-Party Tracking

It’s important to note that the third-party Tracking Technologies used by network advertisers are not under our control. Our statements regarding our practices do not extend to the methods these third-party advertisers and others employ to collect information or how they use the information they gather. To understand their data collection, storage, and sharing practices, we recommend reviewing the terms of service, privacy policy, permissions, notices, and choices provided by the relevant third parties.

We do not make representations regarding the policies or practices of third-party advertisers, advertising networks or exchanges, or related third parties.

7.3 Network Advertising Opt Out

While we may work with multiple companies to serve advertisements on our Services, you have the option to opt out of targeted advertising by visiting networkadvertising.org/optout. This website provides information about the Network Advertising Initiative (NAI) and allows you to make choices regarding the use of your information by NAI members. Opting out of one or more NAI members means that those specific members will no longer deliver targeted content or ads to you based on their own rules. It’s important to note that opting out through the NAI may not be effective if your browser rejects cookies or if you clear your cookies, use a different device, or switch web browsers.

You can also opt out of receiving third-party behavioral ads on our site by visiting the Digital Advertising Alliance (DAA) website at optout.aboutads.info. Similar limitations may apply to the DAA opt-out. Please be aware that we are not responsible for the effectiveness or compliance of any third-party opt-out options or programs.

8. Children Under the Age of 13

At NationQuote, our Services are designed for businesses and individuals engaged in the purchase and sale of life policy settlements. We want to emphasize that our Services are not intended for use by minors, including children under the age of 13. We do not knowingly collect personal information from children under the age of 13, as this would require parental notice and consent under the Children’s Online Privacy Protection Act (COPPA). If you are a child under 13 years of age, we kindly request that you refrain from using our Services and exit this Site immediately.

In the event that we become aware of any personal information collected from a child, we will handle it in accordance with COPPA and other applicable laws and regulations. If you are a parent or guardian and believe that your child under the age of 13 has provided us with personal information without the necessary COPPA-required consent, please contact us at talk@nationquote.com. We will take appropriate steps to address and resolve the situation promptly. We are committed to protecting the privacy and safety of all individuals using our Services, including children. By adhering to the COPPA regulations and working closely with parents and guardians, we aim to maintain a safe and secure online environment for everyone.

9. Update and Accuracy of Personal Information

At NationQuote, we understand the importance of keeping your personal information accurate and up to date. If you wish to verify the personal information we have collected about you or make any corrections, please contact us using the address provided below.

We will take the necessary steps to ensure the accuracy of your personal information. If you request the deletion of your personal information, please note that it may not always be possible to completely remove or delete all of your information from our databases. In some cases, residual data may remain on backup media. However, we will make reasonable efforts to comply with your request. We may retain certain personal information even after deletion if it is necessary to fulfill our legal obligations, meet regulatory requirements, resolve disputes, maintain security, prevent fraud and abuse, or enforce our Terms of Use.

Additionally, de-personalized information may be retained after your account has been closed. To protect your privacy and security, we will take reasonable steps to verify your identity before granting access, making corrections, or deleting your personal information.

10. You May Opt Out of Receiving Marketing Materials at Any Time

We respect your preferences when it comes to receiving marketing materials from us. You have the option to cancel or modify your email marketing communications by following the instructions provided in our promotional emails.

In some cases, you may also log into your Services account and adjust your communication preferences accordingly. If you have subscribed to text messages from us, you can terminate a particular text message subscription by replying with the word “STOP.” Please note that opting out of our marketing communications does not affect transactional account messages or communications related to your account or the use of our Services. We may still send you important administrative and service announcements as required.

11. Security Safeguards

Protecting the security of your personal information is a priority for us. We strive to implement commercially reasonable safeguards to ensure the protection and security of your Personal Information and Usage Information. However, it’s important to note that no data transmission over the Internet, mobile networks, wireless transmission, or electronic storage of information can be guaranteed to be 100% secure. While we make every effort to protect your information, we cannot guarantee its absolute security. By using our Services and providing us with your information, you acknowledge and accept this inherent risk.

12. Questions

If you have any questions regarding this Privacy Policy, we encourage you to reach out to NationQuote. You can contact us by emailing us at talk@nationquote.com. We value your feedback and concerns, and we will direct your messages to the appropriate individuals within our organization to address your inquiries effectively. Rest assured that we will keep a copy of your message until we have addressed your concerns. While we may archive your message for a certain period of time or discard it, we will not use your email address for any other purpose.