Next Generation Insurance Group, LLC, which may also do business as GradGuard (collectively "Next Generation Insurance Group" or "GradGuard" or "we", "us", or "our") are strongly committed to letting you know how we may collect information and data from you or that you may provide when you visit the websites http://www.nextgenins.com or http://www.gradguard.com (our "Website") and our practices for collecting, using, maintaining protecting, and disclosing that information. This policy is applicable to data and information we collect:
- On this Website, including any other website operated by us and linked to this policy (including the versions optimized for viewing on wireless or tablet devices).
- In email, texts, and other electronic messages between you and this Website.
- Through all email newsletters published or distributed by us.
- Offline when you interact or otherwise do business with us such as when you provide your information on applications or other forms provided by you or on your behalf.
It does not apply to information collected by:
- Websites operated by any third party (including our affiliates and subsidiaries which have their own privacy policies); or
- Any third party (including our customers, affiliates and subsidiaries including through any application or content (including advertising) that may link to or be accessible from the Website.
What Information Does GradGuard Collect and Store?
We collect two types of information – personal and non-personal - from you in conjunction with your use of the Website and our products and services. Personal information is any information that can individually identify you and can include, among other things, your name, e-mail address, telephone number, postal address, date of birth, billing, credit card, and contact information. In addition, we collect information about your transactions with us, or with our affiliates or others, including information such as your policy, coverage, premiums and payment history. Personal information is also information that you may supply to us such as when you write to us via the Website, complete a survey, or provide your e-mail address. Non-personal information includes information that does not personally identify you, but it may include tracking and usage information about your location, demographics, use of the Website and the Internet.
Personal Information – How It Is Collected
You do not need to register or set up an account to view the Website and you can browse the Website without submitting your personal information to us. However, there are a number of circumstances in which you may supply us or our agents with your personal information. The following lists the most common ways in which we may collect your personal information:
- When you submit information to process your insurance or non-insurance application, quote or other transaction that you have requested.
- When we receive information from a consumer-reporting agency including your credit history and creditworthiness.
- Signing up to receive alerts or other information via email, text, instant message, phone, or chat from us.
- Requesting customer service or other assistance for our insurance or non-insurance products that you are covered by (including as provided by affiliates and unaffiliated third parties such as underwriters, insurance carriers, benefit providers, and third party administrators).
- Submission of content or other data and information on any part of the Website as may be permitted.
- Any other place on the Website where you knowingly volunteer personal information.
In addition, when you interact with the Website we may collect certain information that does not identify you individually and our servers may automatically keep an activity log of your use of our Website ("Non-Personal Information"). Generally, we may collect and store the following categories of Non-Personal Information:
- Non-identifiable demographic data such as age, gender, school name, and five-digit zip code as part of collecting personal information.
- Information about your computer, browser, mobile device, or other device that you use to access the Website. This information may include IP address, geolocation information, unique device identifiers, browser type, browser language, and other transactional information.
- Analytics and usage information about your use of the Website.
- Additional "traffic data" and log files such as time of access, date of access, software crash reports, session identification number, access times, and referring website addresses.
- Other information regarding your use of the Website.
Collection of Your Source IP Address/Location Information
We will collect and store location information about you on the Website and associated with your account, if any, that you volunteer on the Website or enable through the Website. We will not collect any location information that you do not volunteer or enable. We will delete any location information that you request is deleted. We do collect and store your device's source IP address which may disclose the location of your device at the time you access the Website.
Collection of Personal Information From or Through Social Media Sites or Using Your Social Media Logon
When you interact with any GradGuard page or account on a social media platform, such as Facebook, Twitter, Google+, Tumblr, LinkedIn, YouTube, or Pinterest, we may collect the personal information that you make available to us on that page or account including your account ID or "handle". However, we will comply with the privacy policies of the corresponding social media platform and we will only collect and store such personal information that we are permitted to collect by these social media platforms.
Collection of Personal and Non-Personal Information From Other Sources
We also may collect and store information about you that we receive from other sources (including by us from our offline interactions with you) to, among other things, enable us to update and correct the information contained in our database and to better customize your experience on the Website. Additionally, we may also obtain information such as credit reports, claims history, and investigative reports from other sources. The information we obtain about you may come from other insurance companies, insurance support organizations, credit bureaus, property data collection services, or other providers of information.
Collection of Personal and Non-Personal Information Through Surveys and Promotions
Collection of Third Party Personal Information Through Tell-A-Friend Feature
We may from time to time conduct a referral service to introduce people you know to us. If you choose to use our referral service to tell someone about our Website we will ask you for your contact's name and email address. We will automatically send your contact a one-time email inviting him or her to visit our Website. GradGuard stores this information for the purpose of sending this one-time email and tracking the success of our referral program. Your contact may contact us at email@example.com to request that we remove this information from our database.
- You have the ability to accept or decline cookies. Most web browsers automatically accept cookies, but, if you prefer, you can usually modify your browser setting to decline cookies. If you delete your cookies or if you set your web browser to decline cookies, some features of the Website may not work or may not work as designed. For more information on cookies and how to disable them, you can consult the information provided by the Interactive Advertising Bureau at www.allaboutcookies.org.
We may use flash cookies, web storage, web beacons or other technology that tracks your browsing history across multiple websites.
Is Personal Information Collected From Children?
GradGuard does not knowingly collect personal identifiable information from children under 13 years of age. If you are under 13 years of age you should not provide personally identifiable information to GradGuard without providing us with consent from your parents or legal guardians. If GradGuard discovers that a child under the age of 13 has provided us with personally identifiable information and we do not have parental consent, GradGuard will immediately delete that child's information from the Website. If you believe we might have information from or about a child under 13, please contact us at firstname.lastname@example.org.
How Do We Use Your Information?
We use the information we learn from you to help us personalize and continually improve your experience on the Website. We may, as permitted by law, use your Personal and Non-Personal Information in the following ways:
- Process your insurance or non-insurance application, quote or other transaction that you have requested.
- Process your Personal Information for the purpose of rating policies with comparative underwriters or raters.
- Provide support, service and assistance for our products that you are covered by (including as provided by affiliates and unaffiliated third parties such as underwriters, carriers, benefit providers and third party administrators).
- Communicate with you about your transactions with us (including product related announcements), your policy, claims and send you information about features and enhancements on our Website.
- Communicate with you about changes to our policies.
- Personalize content and experiences on our Website including providing you reports, recommendations and feedback based on your preferences.
- Disclose anonymized Personal Information to disclose statistics and other details regarding the use of our Website.
- Optimize or improve our products, services, Website and operations.
- Detect, investigate, and prevent activities that may violate our policies or be illegal.
- Perform statistical, demographic, and marketing analyses of users of our products, services, and Website.
Use of Your Location Information
Specifically, we use your location information to:
- Personalize content on our Website including providing you with access to information about other reports, recommendations and feedback based on your feedback, if any.
- Optimize or improve our products, services, Website and operations.
- Detect, investigate, and prevent activities that may violate our policies or be illegal.
- Perform statistical, demographic, and marketing analyses of users of our products, services, and Website and their patterns.
Combination of Your Personal Information
We use the information from one portion of the Website on other portions of Website in reports and analysis, all of which are owned and operated by GradGuard, and we may combine information gathered from multiple portions of the Website into a single customer record or analysis or report. We also use and/or combine information that we collect off-line or we collect or receive from third party sources to enhance, expand, and check the accuracy of your customer records.
Who Do We Provide Your Information To?
Federal law also gives you the right to limit some but not all marketing from GradGuard's affiliated companies. You may limit our affiliated companies, such as any financial services affiliates operating under the brand names listed at this webpage from marketing their products or services to you based on certain of your Personal Information that we share with them. This information may include your account history and credit history. Your choice to limit marketing offers from an affiliated company will apply for at least five (5) years from when you tell us your choice. Before your choice to limit marketing expires, you will receive a renewal notice that will allow you to continue to limit marketing offers from any GradGuard affiliated company for at least another five (5) years. If you have already made a choice to limit marketing offers from our affiliated companies, you do not need to act again until you receive the renewal notice. If you prefer to limit the marketing from an affiliated company, please contact us at email@example.com or 866-305-0063. Please note that your choice to limit marketing offers will not apply in certain circumstances as provided under applicable law, such as when you have an account or policy with the affiliated company that is marketing to you. An opt-out request from one joint customer will apply to all joint customers on the policy or account.
Business Partners and Third Parties
We have third party agents, subsidiaries, affiliates and partners that perform functions on our behalf, such as hosting, billing, push notifications, storage, bandwidth, content management tools, analytics, customer service, fraud protection, etc. These entities have access to the Personal Information needed to perform their functions and are contractually obligated to maintain the confidentiality and security of that Personal Information. They are restricted from using, selling, distributing or altering this data in any way other than to provide the requested services to us.
We may also use or disclose Personal Information if permitted or required to do so by law or in the good-faith belief that such action is necessary to: (a) conform to applicable law or comply with legal process served on us or the Website, (b) protect and defend our rights or property, the Website, or our other users, and (c) act under emergency circumstances to protect the personal safety of us, our affiliates, agents, or the users of the Website or the public. This includes exchanging information with other companies and organizations for fraud protection or any criminal activity including material misrepresentation or non-disclosure in connection with an insurance transaction.
GradGuard E-mail Communications
E-mail communications sent from us are designed to make your Website experience more efficient. By participating in the Website you specifically agree to accept and consent to receiving e-mail communications initiated from us, which include, without limitation: message notification e-mails, emails about your insurance policy, claims, products, customer service, and e-mails informing you about new and existing products we provide.
What Steps Are Taken To Keep Personal Information Secure?
We are concerned about ensuring the security of your Personal Information. We exercise great care in providing secure transmission of your information from your computer or tablet to our servers. Personal Information collected by our products, services, or Website is stored in secure operating environments that are not available to the public. Our security procedures mean that we may occasionally request proof of identity before we disclose your Personal Information to you. Please understand, however, that while we try our best to safeguard your Personal Information once we receive it, no transmission of data over the Internet or any other public network can be guaranteed to be 100% secure.How Can We Transfer Your Personal Information?
How Long Do We Keep Your Information?
Following termination or deactivation of your account, GradGuard our affiliates, or its service providers may retain information (including your profile information) for a commercially reasonable time for backup, archival, analysis, marketing, optimization, and/or audit purposes. If you have any questions about termination or deactivation of your account, please contact us directly at firstname.lastname@example.org.
What Happens When I Link To or From Another Website?
Changes to This Policy
How Do I Opt-Out of Communications or Correct Information About Me?
You may always opt-out of receiving future e-mail messages and communications from GradGuard by following the unsubscribe instructions included on a particular communication or by sending us a message at email@example.com or the mailing address included on the communication. Please note that you may not elect to stop receipt of communications pertaining to the processing or servicing of your application, product, or account and you may receive communications on the same unless you cancel that product in accordance with that particular product's terms and conditions and you will have no further transactions with us. If you request that we correct information about you, we will notify you within thirty (30) business days of receiving your written request. We will then provide the amended information to any person you designate, who may have received the information within the past two years as well as any entity that supplied us with the information or to whom we disclosed it.
Your California Privacy Rights
California Civil Code Section 1798.83 provides that users of GradGuard's Website who are California residents to request certain information regarding its disclosure of their personal information to third parties for their direct marketing purposes. To make such a request, please send an e-mail to firstname.lastname@example.org. This Website will respect your browser's Do Not Track signals (or other well-established, commercially available mechanisms that provide you with the ability to exercise choice regarding the collection of personal information). If we receive a Do Not Track notice, we will stop using any personal information for online behavioral advertising purposes if we are conducting such activity.
How to Contact Us:
If you have any questions about our privacy policies, please contact us at email@example.com or by mail at 5080 N. 40th Street, Suite 105, Phoenix, AZ 85018.