Last updated
September 11, 2024
This Privacy Notice
for
CO Insurance Specialist LLC
(
"we," "us," or
"our"
), describes how and why we might access, collect, store, use, and/or
share (
"process"
) your personal information when you use our services (
"Services"
), including when you:
-
Visit our
website
at http://www.coinsurancespecialist.com , or any website of ours that links to this Privacy Notice
-
Use
CO Insurance Specialist LLC .Insurance agency that gathers personal information for the sole purpose of finding an insurance policy that fits the needs of it's customers.
-
Engage with
us in other related ways, including any sales, marketing, or events
Questions or concerns? Reading this Privacy
Notice will help you understand your privacy rights and choices. We are responsible for making
decisions about how your personal information is processed. If you do not agree with our
policies and practices, please do not use our Services.
If
you still have any questions or concerns, please contact us at
info@cisforyou.com
.
SUMMARY OF KEY POINTS
This summary provides key points from our Privacy Notice,
but you can find out more details about any of these topics by clicking the link following
each key point or by using our table of contents below to find the section you
are looking for.
What
personal information do we process? When you visit, use, or navigate our Services, we
may process personal information depending on how you interact with us and the Services, the choices
you make, and the products and features you use. Learn more about personal
information you disclose to us.
Do we
process any sensitive personal information? Some of the information may be considered
"special" or "sensitive"
in certain jurisdictions, for example your racial or ethnic origins, sexual orientation, and
religious beliefs.
We may process sensitive personal information
when necessary with your consent or as otherwise permitted by applicable law. Learn more about
sensitive
information we process.
Do we
collect any information from third parties?
We do not collect any information from third parties.
How do
we process your information? We process your information to provide, improve, and
administer our Services, communicate with you, for security and fraud prevention, and to comply with
law. We may also process your information for other purposes with your consent. We process your
information only when we have a valid legal reason to do so. Learn more about how we process your information.
In
what situations and with which
parties do we share personal
information?
We may share information in specific situations and with specific
third parties. Learn more about
when and with whom we share your personal
information
.
How do
we keep your information safe? We have adequate
organizational
and technical processes and procedures
in place to protect your personal information. However, no electronic transmission over the internet
or information storage technology can be guaranteed to be 100% secure, so we cannot promise or
guarantee that hackers, cybercriminals, or other
unauthorized
third parties will not be able to defeat our security
and improperly collect, access, steal, or modify your information. Learn more about
how we keep your information safe.
What
are your rights? Depending on where you are located geographically, the applicable
privacy law may mean you have certain rights regarding your personal information. Learn more about
your privacy
rights.
How do
you exercise your rights? The easiest way to exercise your rights is by
submitting a
data subject access request
, or by contacting us. We will consider and act upon any request
in accordance with applicable data protection laws.
Want to learn
more about what we do with any information we collect? Review the Privacy Notice in full.
TABLE OF CONTENTS
1. WHAT
INFORMATION DO WE COLLECT?
Personal information you disclose to
us
In
Short: We collect personal
information that you provide to
us.
We collect
personal information that you voluntarily provide to us when you
register on the Services,
express an interest in obtaining
information about us or our products and Services, when you participate in activities on the
Services, or otherwise when you contact us.
Personal Information Provided by You. The
personal information that we collect depends on the context of your interactions with us and the
Services, the choices you make, and the products and features you use. The personal information
we collect may include the following:
-
names
-
phone numbers
-
email addresses
-
mailing addresses
-
job titles
Sensitive Information.
When necessary, with your consent or as otherwise permitted by
applicable law, we process the following categories of sensitive information:
-
social security numbers or other government identifiers
All personal
information that you provide to us must be true, complete, and accurate, and you must notify us
of any changes to such personal information.
2. HOW DO WE
PROCESS YOUR INFORMATION?
In Short: We process
your information to provide, improve, and administer our Services,
communicate with you, for security and fraud prevention, and to comply with
law. We may also process your information for other purposes with your
consent.
We
process your personal information for a variety of reasons, depending on how you interact
with our Services, including:
-
To
facilitate account creation and authentication and otherwise manage user accounts.
We may process your information so you can create and log in to your account, as
well as keep your account in working order.
-
To
deliver and facilitate delivery of services to the user. We may process your
information to provide you with the requested service.
In
Short:
We
may
share
information
in
specific
situations
described
in
this
section
and/or
with
the
following
third
parties.
We
may
need to
share your
personal
information
in the
following
situations:
- Business Transfers. We may share or transfer your information in connection with, or during negotiations of, any merger, sale of company assets, financing, or acquisition of all or a portion of our business to another company.
4.
HOW
LONG
DO
WE
KEEP
YOUR
INFORMATION?
In
Short:
We
keep
your
information
for
as
long
as
necessary
to
fulfill
the
purposes
outlined
in
this
Privacy
Notice
unless
otherwise
required
by
law.
We
will
only
keep
your
personal
information
for
as
long
as
it
is
necessary
for
the
purposes
set
out
in
this
Privacy
Notice,
unless
a
longer
retention
period
is
required
or
permitted
by
law
(such
as
tax,
accounting,
or
other
legal
requirements).
No
purpose
in
this
notice
will
require
us
keeping
your
personal
information
for
longer
than
the
period
of
time
in
which
users
have
an
account
with
us
.
When
we
have
no
ongoing
legitimate
business
need
to
process
your
personal
information,
we
will
either
delete
or
anonymize
such
information,
or,
if
this
is
not
possible
(for
example,
because
your
personal
information
has
been
stored
in
backup
archives),
then
we
will
securely
store
your
personal
information
and
isolate
it
from
any
further
processing
until
deletion
is
possible.
5.
HOW
DO
WE
KEEP
YOUR
INFORMATION
SAFE?
In
Short:
We
aim
to
protect
your
personal
information
through
a
system
of
organizational
and
technical
security
measures.
We
have
implemented
appropriate
and
reasonable
technical
and
organizational
security
measures
designed
to
protect
the
security
of
any
personal
information
we
process.
However,
despite
our
safeguards
and
efforts
to
secure
your
information,
no
electronic
transmission
over
the
Internet
or
information
storage
technology
can
be
guaranteed
to
be
100%
secure,
so
we
cannot
promise
or
guarantee
that
hackers,
cybercriminals,
or
other
unauthorized
third
parties
will
not
be
able
to
defeat
our
security
and
improperly
collect,
access,
steal,
or
modify
your
information.
Although
we
will
do
our
best
to
protect
your
personal
information,
transmission
of
personal
information
to
and
from
our
Services
is
at
your
own
risk.
You
should
only
access
the
Services
within
a
secure
environment.
6.
DO
WE
COLLECT
INFORMATION
FROM
MINORS?
In
Short:
We
do
not
knowingly
collect
data
from
or
market
to
children
under
18
years
of
age
.
We
do
not
knowingly
collect,
solicit
data
from,
or
market
to
children
under
18
years
of
age,
nor
do
we
knowingly
sell
such
personal
information.
By
using
the
Services,
you
represent
that
you
are
at
least
18
or
that
you
are
the
parent
or
guardian
of
such
a
minor
and
consent
to
such
minor
dependent’s
use
of
the
Services.
If
we
learn
that
personal
information
from
users
less
than
18
years
of
age
has
been
collected,
we
will
deactivate
the
account
and
take
reasonable
measures
to
promptly
delete
such
data
from
our
records.
If
you
become
aware
of
any
data
we
may
have
collected
from
children
under
age
18,
please
contact
us
at
info@cisforyou.com
.
7.
WHAT
ARE
YOUR
PRIVACY
RIGHTS?
In
Short:
You
may
review,
change,
or
terminate
your
account
at
any
time,
depending
on
your
country,
province,
or
state
of
residence.
Withdrawing
your
consent:
If
we
are
relying
on
your
consent
to
process
your
personal
information,
which
may
be
express
and/or
implied
consent
depending
on
the
applicable
law,
you
have
the
right
to
withdraw
your
consent
at
any
time.
You
can
withdraw
your
consent
at
any
time
by
contacting
us
by
using
the
contact
details
provided
in
the
section
"
HOW
CAN
YOU
CONTACT
US
ABOUT
THIS
NOTICE?
"
below
.
However,
please
note
that
this
will
not
affect
the
lawfulness
of
the
processing
before
its
withdrawal
nor,
when
applicable
law
allows,
will
it
affect
the
processing
of
your
personal
information
conducted
in
reliance
on
lawful
processing
grounds
other
than
consent.
Account
Information
If
you
would
at
any
time
like
to
review
or
change
the
information
in
your
account
or
terminate
your
account,
you
can:
-
Log in to your account settings and update your user account.
Upon
your
request
to
terminate
your
account,
we
will
deactivate
or
delete
your
account
and
information
from
our
active
databases.
However,
we
may
retain
some
information
in
our
files
to
prevent
fraud,
troubleshoot
problems,
assist
with
any
investigations,
enforce
our
legal
terms
and/or
comply
with
applicable
legal
requirements.
If
you
have
questions
or
comments
about
your
privacy
rights,
you
may
email
us
at
info@cisforyou.com
.
8.
CONTROLS
FOR
DO-NOT-TRACK
FEATURES
Most
web
browsers
and
some
mobile
operating
systems
and
mobile
applications
include
a
Do-Not-Track
(
"DNT"
)
feature
or
setting
you
can
activate
to
signal
your
privacy
preference
not
to
have
data
about
your
online
browsing
activities
monitored
and
collected.
At
this
stage,
no
uniform
technology
standard
for
recognizing
and
implementing
DNT
signals
has
been
finalized
.
As
such,
we
do
not
currently
respond
to
DNT
browser
signals
or
any
other
mechanism
that
automatically
communicates
your
choice
not
to
be
tracked
online.
If
a
standard
for
online
tracking
is
adopted
that
we
must
follow
in
the
future,
we
will
inform
you
about
that
practice
in
a
revised
version
of
this
Privacy
Notice.
California
law
requires
us
to
let
you
know
how
we
respond
to
web
browser
DNT
signals.
Because
there
currently
is
not
an
industry
or
legal
standard
for
recognizing
or
honoring
DNT
signals,
we
do
not
respond
to
them
at
this
time.
9.
DO
UNITED
STATES
RESIDENTS
HAVE
SPECIFIC
PRIVACY
RIGHTS?
In
Short:
If
you
are
a
resident
of
Colorado
,
you
may
have
the
right
to
request
access
to
and
receive
details
about
the
personal
information
we
maintain
about
you
and
how
we
have
processed
it,
correct
inaccuracies,
get
a
copy
of,
or
delete
your
personal
information.
You
may
also
have
the
right
to
withdraw
your
consent
to
our
processing
of
your
personal
information.
These
rights
may
be
limited
in
some
circumstances
by
applicable
law.
More
information
is
provided
below.
Categories
of
Personal
Information
We
Collect
We
have
collected
the
following
categories
of
personal
information
in
the
past
twelve
(12)
months:
Category | Examples | Collected |
A.
Identifiers
|
Contact
details,
such
as
real
name,
alias,
postal
address,
telephone
or
mobile
contact
number,
unique
personal
identifier,
online
identifier,
Internet
Protocol
address,
email
address,
and
account
name
|
|
|
Gender,
age,
date
of
birth,
race
and
ethnicity,
national
origin,
marital
status,
and
other
demographic
data
|
|
|
Transaction
information,
purchase
history,
financial
details,
and
payment
information
|
|
|
Fingerprints
and
voiceprints
|
|
|
Browsing
history,
search
history,
online
|
|
|
Device
location
|
|
|
Images
and
audio,
video
or
call
recordings
created
in
connection
with
our
business
activities
|
|
|
Business
contact
details
in
order
to
provide
you
our
Services
at
a
business
level
or
job
title,
work
history,
and
professional
qualifications
if
you
apply
for
a
job
with
us
|
|
|
Student
records
and
directory
information
|
|
|
Inferences
drawn
from
any
of
the
collected
personal
information
listed
above
to
create
a
profile
or
summary
about,
for
example,
an
individual’s
preferences
and
characteristics
|
|
|
|
|
We
only
collect
sensitive
personal
information,
as
defined
by
applicable
privacy
laws
or
the
purposes
allowed
by
law
or
with
your
consent.
Sensitive
personal
information
may
be
used,
or
disclosed
to
a
service
provider
or
contractor,
for
additional,
specified
purposes.
You
may
have
the
right
to
limit
the
use
or
disclosure
of
your
sensitive
personal
information.
We
do
not
collect
or
process
sensitive
personal
information
for
the
purpose
of
inferring
characteristics
about
you.
We
may
also
collect
other
personal
information
outside
of
these
categories
through
instances
where
you
interact
with
us
in
person,
online,
or
by
phone
or
mail
in
the
context
of:
-
Receiving
help
through
our
customer
support
channels;
-
Participation
in
customer
surveys
or
contests;
and
-
Facilitation
in
the
delivery
of
our
Services
and
to
respond
to
your
inquiries.
-
Category
As long as the user has an account with us
-
Category
As long as the user has an account with us
Sources
of
Personal
Information
Learn
more
about
the
sources
of
personal
information
we
collect
in
"
WHAT
INFORMATION
DO
WE
COLLECT?
"
How
We
Use
and
Share
Personal
Information
Learn
about
how
we
use
your
personal
information
in
the
section,
"
HOW
DO
WE
PROCESS
YOUR
INFORMATION?
"
Will
your
information
be
shared
with
anyone
else?
We
may
disclose
your
personal
information
with
our
service
providers
pursuant
to
a
written
contract
between
us
and
each
service
provider.
Learn
more
about
how
we
disclose
personal
information
to
in
the
section,
"
WHEN
AND
WITH
WHOM
DO
WE
SHARE
YOUR
PERSONAL
INFORMATION?
"
We
may
use
your
personal
information
for
our
own
business
purposes,
such
as
for
undertaking
internal
research
for
technological
development
and
demonstration.
This
is
not
considered
to
be
"selling"
of
your
personal
information.
We
have
not
disclosed,
sold,
or
shared
any
personal
information
to
third
parties
for
a
business
or
commercial
purpose
in
the
preceding
twelve
(12)
months.
We
will
not
sell
or
share
personal
information
in
the
future
belonging
to
website
visitors,
users,
and
other
consumers.
Your
Rights
You
have
rights
under
certain
US
state
data
protection
laws.
However,
these
rights
are
not
absolute,
and
in
certain
cases,
we
may
decline
your
request
as
permitted
by
law.
These
rights
include:
-
Right
to
know
whether
or
not
we
are
processing
your
personal
data
-
Right
to
access
your
personal
data
-
Right
to
correct
inaccuracies
in
your
personal
data
-
Right
to
request
the
deletion
of
your
personal
data
-
Right
to
obtain
a
copy
of
the
personal
data
you
previously
shared
with
us
-
Right
to
non-discrimination
for
exercising
your
rights
-
Right
to
opt
out
of
the
processing
of
your
personal
data
if
it
is
used
for
targeted
advertising
How
to
Exercise
Your
Rights
To
exercise
these
rights,
you
can
contact
us
by
submitting
a
data
subject
access
request,
by
emailing
us
at
info@cisforyou.com
,
or
by
referring
to
the
contact
details
at
the
bottom
of
this
document.
Under
certain
US
state
data
protection
laws,
you
can
designate
an
authorized
agent
to
make
a
request
on
your
behalf.
We
may
deny
a
request
from
an
authorized
agent
that
does
not
submit
proof
that
they
have
been
validly
authorized
to
act
on
your
behalf
in
accordance
with
applicable
laws.
Request
Verification
Upon
receiving
your
request,
we
will
need
to
verify
your
identity
to
determine
you
are
the
same
person
about
whom
we
have
the
information
in
our
system.
We
will
only
use
personal
information
provided
in
your
request
to
verify
your
identity
or
authority
to
make
the
request.
However,
if
we
cannot
verify
your
identity
from
the
information
already
maintained
by
us,
we
may
request
that
you
provide
additional
information
for
the
purposes
of
verifying
your
identity
and
for
security
or
fraud-prevention
purposes.
If
you
submit
the
request
through
an
authorized
agent,
we
may
need
to
collect
additional
information
to
verify
your
identity
before
processing
your
request
and
the
agent
will
need
to
provide
a
written
and
signed
permission
from
you
to
submit
such
request
on
your
behalf.
Appeals
Under
certain
US
state
data
protection
laws,
if
we
decline
to
take
action
regarding
your
request,
you
may
appeal
our
decision
by
emailing
us
at
info@cisforyou.com
.
We
will
inform
you
in
writing
of
any
action
taken
or
not
taken
in
response
to
the
appeal,
including
a
written
explanation
of
the
reasons
for
the
decisions.
If
your
appeal
is
denied,
you
may
submit
a
complaint
to
your
state
attorney
general.
10.
DO
WE
MAKE
UPDATES
TO
THIS
NOTICE?
In
Short:
Yes,
we
will
update
this
notice
as
necessary
to
stay
compliant
with
relevant
laws.
We
may
update
this
Privacy
Notice
from
time
to
time.
The
updated
version
will
be
indicated
by
an
updated
"Revised"
date
at
the
top
of
this
Privacy
Notice.
If
we
make
material
changes
to
this
Privacy
Notice,
we
may
notify
you
either
by
prominently
posting
a
notice
of
such
changes
or
by
directly
sending
you
a
notification.
We
encourage
you
to
review
this
Privacy
Notice
frequently
to
be
informed
of
how
we
are
protecting
your
information.
11.
HOW
CAN
YOU
CONTACT
US
ABOUT
THIS
NOTICE?
If
you
have
questions
or
comments
about
this
notice,
you
may
email
us
at
info@cisforyou.com
or
contact
us
by
post
at:
12.
HOW
CAN
YOU
REVIEW,
UPDATE,
OR
DELETE
THE
DATA
WE
COLLECT
FROM
YOU?