Privacy Policy

Last Updated: March 16, 2020

Insurance Guru LLC, its agents and affiliates, is committed to protecting the privacy of the individuals we encounter in conducting our business.  “Personal
Information” is information that identifies and relates to you or other
individuals (such as your dependents).  Our aim is responsible handling of
Personal Information, balancing the benefits of activities like research and
data analytics with our other commitments, including transparency and
non-discrimination.

This Privacy Policy describes how we handle Personal Information that we collect through: 
                  

• this website (“the Site”), the software applications made available by us for use on or through computers, mobile devices or other Internet-connected devices (the “Apps”), our social media pages; and
• other means (for example, from your application and claim forms, telephone calls, e-mails and other communications with us, as well as from claim investigators, medical professionals, witnesses or other third parties involved in our business dealings with you).

    
By using the Insurance Guru LLC On-line Services, you signify your acceptance of this Privacy Policy.  

Please note: This Privacy Policy is supplemented by Privacy Notices tailored to our specific relationships with you, including Privacy Notices that are sent to individuals as required under applicable laws and regulation.


For information about Insurance Guru LLC Careers, email us at josh@insurancegurullc.com

Who to Contact About Your Personal Information

If you have questions about our use of your personal information please email us at josh@insurancegurullc.com or write to:

Insurance Guru LLC 3419 S State Street South Salt Lake, UT 84113

Personal Information That We Collect

Depending on your relationship with us (for example, as a consumer policyholder; insured person benefiting under another policyholder’s policy, or claimant; witness; commercial broker or appointed representative; or other person relating to our business), Personal Information collected about you and your dependents may include:

• General identification and contact information 
  Your name; address; e-mail and telephone details; gender; marital status; family status; date of birth; passwords on our systems; educational background; physical attributes; activity records, such as driving records; photos; employment history, skills and experience; professional licenses and affiliations; relationship to the policyholder, insured or claimant; and date and cause of death, injury or disability.
• Identification numbers issued by government bodies or agencies 
  Social Security or national insurance number; passport number; tax identification number; military identification number; or driver’s or other license number.
• Financial information and account details 
  Payment card number; bank account or other financial account number and account details; credit history and credit score; assets; income; and other financial information.
• Medical condition and health status 
  Current or former physical or mental or medical condition; health status; injury or disability information; medical procedures performed; personal habits (for example, smoking or consumption of alcohol); prescription information; and medical history.
• Other sensitive information 
  In certain cases, we may receive sensitive information about you for example, if you apply for insurance through a third party marketing partner that is a professional, trade, political, religious or community organization.  In addition, we may obtain information about your criminal record or civil litigation history in the process of preventing, detecting and investigating fraud.  We may also obtain sensitive information if you voluntarily provide it to us (for example, if you express preferences regarding medical treatment based on your religious beliefs).
• Telephone recordings 
  Recordings of telephone calls to our representatives and call centers.
• Photographs and video recordings 
  Photographs or video recordings created in connection with our insurance or other business activities, including for  claims assessment, processing, settlement, and disputes, or for other relevant purposes as permitted by law.
• Information to investigate or prevent crime, including fraud and money laundering 
  For example, insurers commonly share information about their previous dealings with policyholders and claimants for this purpose.
• Information enabling us to provide products and services 
  Location and identification of property insured (for example, property address, vehicle license plate or identification number); travel plans; age categories of individuals you wish to insure; policy and claim numbers; coverage/peril details; cause of loss; prior accident or loss history; your status as director or partner, or other ownership or management interest in an organization; other insurance you hold; and details on products for which you have or seek a warranty.
• Marketing preferences, customer feedback and survey responses
  You may let us know your marketing preferences, enter a contest or prize draw or other sales promotion, or respond to a voluntary survey.
• Social media account and information from Apps 
  We may receive certain Personal Information about you when you use our Apps or Social Media Pages, including your social media account ID and profile picture.  If you elect to connect any of your other social media accounts to your account(s) on the AIG On-line Services, Personal Information from your other social media account(s) will be shared with us, which may include Personal Information that is part of you profile relating to those accounts or your friends’ profiles.
• Information from Other Sources 
  We and our service providers may supplement the Personal Information we collect with information from other sources, such as publicly available information from social media services, commercially available sources and information from our affiliates or business partners.

How We Use Personal Information

We use this Personal Information to :

• Communicate with you and others as part of our business.
• Respond to your requests.
• Send you important information regarding changes to our policies, other terms and conditions, our Insurance Guru On-line Services and other administrative information.
• Make decisions about whether to provide insurance and assistance services, and other products and services which we offer, and provide such products and services, including claim assessment, processing and settlement; and, where applicable, manage claim disputes.
• Assess your eligibility for payment plans, and process your premium and other payments.
• Provide improved quality, training and security (for example, with respect to recorded or monitored phone calls to our contact numbers).
• Prevent, detect and investigate crime, including fraud and money laundering, and analyze and manage other commercial risks.
• Carry out research and analysis, including analysis of our customer base and other individuals whose Personal Information we collect as explained in this Privacy Policy.
• Provide marketing information to you (including information about other products and services offered by selected third-party partners) in accordance with preferences you have expressed.
• Personalize your experience when using our Insurance Guru LLC On-line Services or visiting third-party websites by presenting information and advertisements tailored to you.
• Identify you to anyone to whom you send messages through any of the Insurance Guru LLC On-line Services.
• Allow you to participate in contests, prize draws and similar promotions, and to administer these activities. Some of these activities have additional terms and conditions, which could contain additional information about how we use and disclose your Personal Information, so we suggest that you read these carefully.
• Facilitate social sharing functionality.
• Manage our infrastructure and business operations, and comply with internal policies and procedures, including those relating to auditing; finance and accounting; billing and collections; IT systems; data and website hosting; data analytics; business continuity; and records, document and print management.
• Resolve complaints, and handle requests for data access or correction.
• Comply with applicable laws and regulatory obligations (including laws outside your country of residence), such as those relating to anti-money laundering, sanctions and anti-terrorism; comply with legal process; and respond to requests from public and governmental authorities (including those outside your country of residence).
• Establish and defend legal rights; protect our operations or those of any of our group companies or business partners, our rights, privacy, safety or property, and/or that of our group companies, you or others; and pursue available remedies or limit our damages.

Sharing of Personal Information

Insurance Guru LLC may make Personal Information available to :

• Other insurance and distribution parties 
  In the course of marketing and providing insurance and processing claims, Insurance Guru LLC may make Personal Information available to third parties such as insurers; reinsurers; insurance and reinsurance brokers and other intermediaries and agents; appointed representatives; distributors; affinity marketing partners; and financial institutions, securities firms and other business partners.
• Our service providers
  External third-party service providers, such as medical professionals, experts, lawyers and other outside professional advisors; travel and medical assistance providers; third-party claim administrators; document and records management providers; claim investigators and adjusters; and outsourced service providers that assist us in carrying out business activities.

• Governmental authorities and third parties involved in court action 
  Insurance Guru LLC may also share Personal Information with governmental or other public authorities (including, but not limited to, workers’ compensation boards, courts, law enforcement, tax authorities and criminal investigations agencies); and third-party civil legal process participants and their accountants, auditors, lawyers and other advisors and representatives as we believe to be necessary or appropriate: (a) to comply with applicable law, including laws outside your country of residence; (b) to comply with legal process; (c) to respond to requests from public and government authorities including public and government authorities outside your country of residence; (d) to enforce our terms and conditions; (e) to protect our operations; (f) to protect our rights, privacy, safety or property, and/or that of our agents, you or others; and (g) to allow us to pursue available remedies or limit our damages.
• Other Third Parties
  We may share Personal Information with payees; emergency providers (fire, police and medical emergency services); medical networks, organizations and providers; travel carriers; credit bureaus; credit reporting agencies; and other people involved in an incident that is the subject of a claim; as well as purchasers and prospective purchasers or other parties in any actual or proposed reorganization, merger, sale, joint venture, assignment, transfer or other transaction relating to all or any portion of our business, assets or stock.  
• We will not disclose confidential personal information about you to non-affiliated third parties other than disclosures required or permitted by law.

Security

Insurance Guru LLC will take appropriate technical, physical, legal and organizational measures, which are consistent with applicable privacy and data security laws.  Unfortunately, no data transmission over the Internet or data storage system can be guaranteed to be 100% secure.  If you have reason to believe that your interaction with us is no longer secure (for example, if you feel that the security of any Personal Information you might have with us has been compromised), or if you have other data security questions or concerns related to Insurance Guru LLC, please immediately notify us.  (See the “Who to Contact About Your Personal Information” section above.)

When Insurance Guru LLC provides Personal Information to a service provider, the service provider will be selected carefully and required to use appropriate measures reasonably designed to protect the confidentiality and security of the Personal Information.

If we believe the security of your Personal Information in our possession or control may have been compromised, we may seek to notify you of that development. If a notification is appropriate, we would endeavor to do so as promptly as possible under the circumstances, and, to the extent we have your e-mail address, we may notify you by e-mail.

Personal Information of Other Individuals

If you provide Personal Information to Insurance Guru LLC regarding other individuals, you agree: (a) to inform the individual about the content of this Privacy Policy, and any other applicable Insurance Guru LLC Privacy Notice provided to you; and (b) to obtain any legally-required consent of Personal Information about the individual in accordance with this Privacy Policy and other Privacy Notice.

Marketing Preferences

We will provide you with regular opportunities to tell us your marketing preferences, including in our communications to you. You can also contact us by e-mail at josh@insurancegurullc.com or by writing to: 

Insurance Guru LLC  
3419 S State Street
South Salt Lake, UT 84113

to tell us your marketing preferences and to opt out.

If you no longer want to receive marketing-related e-mails from Insurance Guru LLC on a going-forward basis, you may opt out of receiving these marketing-related emails by clicking on the link to “unsubscribe” provided in each e-mail or by contacting us at the above addresses. We will endeavor to comply with your opt-out request(s) within a reasonable time period. Please note that if you opt out as described above, we will not be able to remove your Personal Information from the databases of third parties with whom we have already shared your Personal Information (i.e., to those to whom we have already provided your Personal Information as of the date on which we respond to your opt-out request).  Please also note that if you do opt out of receiving marketing communications from us, we may still send you other important administrative communications from which you cannot opt out.

Social Security Numbers

It is Insurance Guru LLC’s policy to protect customer and employee Social Security Numbers that we collect in the course of our business as confidential. This includes maintaining physical and electronic security procedures to guard against unauthorized access to Social Security Numbers. In addition, we do not disclose Social Security Numbers to third parties, except where required or permitted by law.

Questions and Concerns

Please contact us as set out in the “Who to Contact About Your Personal Information ” section above with any such requests or if you have any questions or concerns about how we process Personal Information

Third Party Privacy Practices

This Privacy Policy does not address, and we are not responsible for, the privacy, information or other practices of any third parties, including any third party operating any site or service to which the Insurance Guru LLC On-line Services link.  The inclusion of a link on the Insurance Guru LLC On-line Services does not imply endorsement of the linked site or service by us or by our group companies.

Please note that we are not responsible for the collection, usage and disclosure policies and practices (including the data security practices) of other organizations, such as Facebook, Instagram, Apple, Google, Microsoft, RIM or any other software application developer or provider, social media platform, operating system or wireless service provider, or device manufacturer, including any Personal Information you disclose to other organizations through or in connection with our Social Media Pages.

Use of Services by Minors

The Insurance Guru LLC On-line Services are not directed to individuals under the age of eighteen (18), and we request that these individuals do not provide Personal Information through the Insurance Guru LLC On-line Services.

Changes to This Privacy Policy

We review this Privacy Policy regularly and reserve the right to make changes at any time to take account of changes in our business and legal requirements.  We will place updates on our website.

Please take a look at the “LAST UPDATED ” date at the top of this Privacy Policy to see when it was last revised.