Zinsurance Privacy Policy
Zinsurance Insurance Services, Inc., a New York based corporation (also referred to as we, Zinsurance, or the Company) provides insurance quotes to certain individuals where it does business through use of our website and mobile app. Consumers can purchase a policy based on these quotes. In developing our quotes and offer to provide an insurance policy, Zinsurance may use certain personal data in order to determine an appropriate premium charge. This policy describes the data we collect and how we use such personal data.
What type of information do we collect?
From time to time, Zinsurance collects personal information from its website visitors, such as name, email, address, phone number, etc. in order to verify identity and ensure that our insurance quotes and policies are applicable to the person seeking insurance. Collected information may be provided by visitors and users of our website, collected automatically through monitory tools, or gathered from third party sources in our underwriting process.
We receive, collect and store any information that you enter on our website or provide us in any other way such as through chat and email functions. In addition, we collect the Internet protocol (IP) address used to connect your computer to the Internet; login information and passwords; e-mail address; computer and connection information and purchase history. We may use software tools to measure and collect session information, including page response times, length of visits to certain pages, page interaction information, and methods used to browse away from the page. We also collect some personally identifiable information (including name, email, password, communications), comments, feedback, reviews, recommendations, and your personal profile. We may also collect information needed to confirm eligibility and cost of insurance, such as claims history and attributes of your home. Payment and associated financial information such as bank account numbers are not collected or stored on our website. These functions are handled by a third party and such information is not linked to or accessible directly from our website.
Any personal data that you provide to us is voluntary. You are not required to provide such information, and our offer to provide insurance to you is also voluntary. Zinsurance prides itself on the fact that we require and use a much smaller amount of personal information than many other home insurance carriers. Our insurance pricing and offer of coverage is not highly dependent on personal information about you. We respect your privacy and have simplified our data capture process to specifically limit the amount of personal information required. We use this information to offer you an insurance policy and provide associated services such as customer support and clams handling. We do not share your information with third parties without your consent, and use it only for the purpose of entering into an insurance contract and providing associated services to you.
How do we store and use personal information?
Zinsurance uses the data we collect to provide insurance to you and to support servicing you on our website www.zinsurance.com. Our website is hosted by a third-party platform and is used to sell our products and services to you. Your data may be stored through this third party’s data storage, databases and general applications, as well as on the Company’s own servers. All of your personal data is stored on secure servers behind a protective firewall.
We may use the personal information provided to us in order to improve our products and services. With your approval we may also use this information to market additional services to you that may provide value. We may use information regarding website traffic and navigation through various screens in order to make use of the website more efficient and easier to understand. Zinsurance may capture data related to your navigation of the site and any error messages in order to take corrective action. We may view individual data on website sessions in order to monitor and improve service.
Payment gateways are maintained by third party providers and the data entered through those gateways is not stored or available directly to Zinsurance. All payment gateways used by our company adhere to the standards set by PCI-DSS as managed by the PCI Security Standards Council, which is a joint effort of brands like Visa, MasterCard, American Express and Discover. PCI-DSS requirements help ensure the secure handling of credit card information by our service providers.
We also use personal information in the normal course of operations in order to provide and improve services to you. We may share some of this data with outside parties in order to meet our obligations to you. Examples of third parties that may receive access to personal information such as name, address, email, and phone number include outside claim adjusters and third- party service providers such as banks, customer service units, and payment processors.
In all cases, third party service providers must follow our data privacy and security requirements and may not use personal information for any other purpose other than to support our operations. If needed, we may disclose personal information to third parties in order to protect our customers from cybersecurity and spam attacks. We may also disclose personal information in order to protect our rights or property as defined in the Terms of Service, with the assistance of law enforcement if necessary.
How do we communicate with site visitors?
We may contact you to notify you regarding issues with your policy or site access, to troubleshoot problems with accessing your account, to resolve a dispute, to collect fees or monies owed, to seek your opinions through surveys or questionnaires, to send updates about Zinsurance, or as otherwise necessary to enforce our User Agreement, and to comply with applicable laws or legal procedures. For these purposes we may contact you via email, telephone, text messages, and postal mail.
Use of tracking technology
In the course of operating its website, Zinsurance may use internet ‘cookies’ and similar technology for security reasons and to improve the customer experience in using our website. Cookies are small files that are placed on your device that can be retrieved upon another visit to the website. The data in these files can be used to uniquely identify your device. We may use cookies to improve your experience on the site, such as retaining your settings and preferences so that you do not need to enter them multiple times. These types of files can be used to monitor the number of clicks to our website and to monitor when and how the site is accessed relative to ither websites. Most browsers allow you to control cookies, including whether or not to accept them and how to remove them. You may set browsers to notify you upon receipt of a cookie, or you may choose to block cookies entirely. However, please be aware that many features of our website and mobile app may not function or may be slower if you refuse to accept cookies. We reserve the right to use IP addresses and other tracking technologies to identify a visitor when we feel it is necessary to enforce compliance with our Terms of Use, to protect our sites, or when we believe in good faith that it is required by law.
How can you withdraw your consent to use personal information?
You can control the collection and use of your personal information. However, doing so may limit our ability to provide some services in association with your policy. You may also delete or change collected personal information by providing notice to us. Please contact us by email at info@zinsurance.com to make such a request. Include the word Privacy in the subject line of the email. You can request a review of our personal information and request a change to this information if you believe it to be inaccurate or incomplete. Please provide details of the information you wish to review and appropriate contact information for us to discuss the details with you.
Information Security
Zinsurance uses physical, technical and administrative security measures, consistent with industry practice and applicable regulations. Such measures are reasonably designed to protect your personal information from loss, unauthorized access, disclosure, alteration or destruction. We may use encryption, password protection, secure socket layers, internal restrictions and other security measures to help prevent unauthorized access to your personal information. However, any information you provide to us is at your own risk. We cannot guarantee that such information will not be lost, accessed without authorization, disclosed, altered or destroyed.
Privacy policy updates
We reserve the right to modify this privacy policy at any time, so please review it frequently. Changes and clarifications will take effect immediately upon their posting to the website. If we make material changes to this policy, we will notify you here that it has been updated, so that you are aware of what information we collect, how we use it, and under what circumstances, if any, we use and/or disclose it.
Minors Under the Age of 18
Our services are not intended for children under 18 years of age. No one under the age of 18 may provide any personal Information on the website or mobile app. We do not knowingly collect personal information from children under 18. If you are under 18, do not use or provide any information through our sites. If we learn we have collected or received personal information from a child under 18 without verification of parental consent, we will delete that information. If you believe we might have any information from or about any child under 18, please contact us at info@zinsurance.com.
Applicable Law
This Privacy Policy shall be governed by the laws of the State of New York, without respect to its conflict of laws principles. Any action relating to this Privacy Policy must be filed and maintained in a state of federal court of competent jurisdiction located in New York as the exclusive jurisdiction of the and venue in such courts for such purpose. Zinsurance makes no representation that this Privacy Policy and such practices comply with the laws of any country outside the United States.