Privacy Statement
The nature of our
business requires a relationship of trust with our customers.
The foundation of that trust is the assurance that we will not
misuse information that we receive about customers. The
following is our Privacy Statement regarding the collection and
disclosure of our customers' personal information. Please note
that this Privacy Statement is subject to updates at any time
and only the most recently updated statement is applicable. We
always will publish the most recently updated statement on this
website.
CostLessInsurer.com
("CostLessInsurer.com,LLC ") does business in the United States
of America,
State of Nevada jurisdiction and this Privacy Statement is not a
comprehensive statement of all measures taken and rules complied
with in the entire jurisdiction. Certain customer information
may be protected by various privacy laws.
CostLessInsurer.com,LLC intends to comply with the privacy laws
of the jurisdiction where we do business. Additional Privacy
Statements may apply depending in your jurisdiction.
Personal Information
Personal information is
information that identifies an individual personally or is
capable of being associated with a particular individual.
Personal information may in certain circumstances include such
information as name, address, phone number, email address,
credit history, date of birth, Social Security number, driver's
license number, credit or debit card number, policy or claim
information and health information.
How We Collect
Personal Information
We collect personal
information to enable us to provide our products and services to
customers and to support our business operations. We obtain
personal information from our agents, directly from the
customer, from customer-related transactions and from third
parties, such as a consumer reporting agency.
Safeguarding Personal
Information
We use procedural, manual
and electronic security controls to maintain the confidentiality
and integrity of personal information in our possession and
guard against its unauthorized access. Some techniques we employ
to protect information include locked files, user
authentication, encryption, firewall technology and the use of
detection software. We take steps to identify information that
must be protected, provide an adequate level of protection for
that data and grant access to protected data as permitted or
required by law.
Some of
CostLessInsurer.com,LLC' employees, agents and service providers
may have access to customer personal information in the course
of doing their jobs, which includes underwriting policies,
processing claims, developing new products or advising customers
of our products and services. They are expected to keep this
information in confidence and share the information only with
those who have a business reason to know. They are prohibited
from making unauthorized disclosure of personal information that
we obtain about customers. Employees who violate our policies on
privacy may be subject to disciplinary action.
Disclosing Personal
Information
We keep our customers'
personal information private and do not give it to others,
unless allowed. We do not give or sell our customers' personal
information to other companies for their marketing purposes. We
may share personal information that we have about customers
within the CostLessInsurer.com,LLC family of property and
casualty insurance companies.
We may give personal
information to other persons or companies to help us manage or
service our business. When we do, we require them to use it only
for the reasons we gave it to them. To serve our customers and
administer our business, including the processing of claims, we
may share personal information with unaffiliated third parties,
including agents, brokers, other insurance companies,
reinsurers, regulators, administrators and service providers and
as otherwise permitted or required by law. Such sharing of data
may be outside the jurisdiction in which the data was obtained.
Use of Telephone
Numbers
By giving us a telephone
number, you consent to being contacted at that number, including
if the number is for a cell phone or other wireless device. We
may contact you in person, by recorded message, by the use of
automated dialing equipment, by text (SMS) message, or by any
other means of communication your device is capable of
receiving, as allowed by law and for reasonable business
purposes, including to service your policy with us.
Information for web
users
When you visit
CostLessInsurer.com, we gather non-personally identifiable
information about your visit, including data such as the
internet address of your computer, the type of browser you are
using and which web pages referred you to our website. We
collect this information so that we can analyze the use of our
website and improve our services and your experience. For
example, we may use this information to tell you about similar
products or services that might be of interest to you.
We use cookies and other
similar technologies to help improve CostLessInsurer.com.
Cookies are small files that are stored on your computer.
CostLessInsurer.com,LLC does not store any personally
identifiable information about you in these cookies. Cookies
help us track visits to our website and learn more about how you
are viewing and using our site. This allows us to personalize
your experience when you return.
In addition to helping us
provide you with a better web experience, cookies allow us to
enhance our online advertising. We contract with online
advertising companies ("Ad Companies") to serve our
advertisements on third party websites. When you view our
advertisements, we may use cookies or other technologies to
collect and transmit information about your activity to us or
our Ad Companies. We may use this information to measure and
manage our marketing efforts.
Our Ad Companies may use
non-personally identifiable information about your visits to
various websites to provide ads about goods and services of
interest to you. In addition, we may share website usage
information with our Ad Companies to manage and target ads and
for market research. We and our Ad Companies may track some of
the pages you visit on our site through cookies and other
technologies.
You can choose to have
your browser warn you each time a cookie is delivered to you, or
you can choose to reject all cookies delivered through your
browser. You can do this by changing the security settings on
your browser. Additionally you may disable conversion tracking
by setting your browser to block cookies from the
CostLessInsurer.com domain. For instructions on how to modify
these settings on your computer, refer to your browser
documentation in the "Help" menu. Please note, if you choose to
reject cookies, you may not have an optimal experience on our
website, as some features will not work properly.
Some areas of
CostLessInsurer.com have been designed to support popular social
media websites. Similar to our advertising partners, some of
these sites may collect tracking data by leveraging cookies.
CostLessInsurer.com,LLC does not directly supply social media
sites with any personal information.
CostLessInsurer.com,LLC
does not control the privacy policies of our advertising and
social media partners. Please visit the sites of these
businesses to review their privacy policies.
Social Security
Protection Policy Statement
CostLessInsurer.com,LLC
is committed to complying with all legal and contractual duties
regarding the confidentiality of Social Security numbers.
CostLessInsurer.com,LLC protects the confidentiality of social
security numbers by disclosing them only as permitted by law.
CostLessInsurer.com,LLC seeks to limit their access, use, and
disclosure consistent with our Privacy Statement and is
committed to prohibiting their unlawful disclosure through the
use of physical, electronic, and procedural safeguards.
Operations
CostLessInsurer.com,LLC
is a United States, Nevada State property and casualty insurance
sales referral portal, doing business only in the state of Nevada; It is
CostLessInsurer.com,LLC' policy to comply with the privacy laws
and regulations of Nevada, the state in which we do business.
Privacy Statement for
Individual Personal Insurance Consumers
What we mean when we
talk about "privacy"
Your privacy is important
to us. When we sell an insurance policy to a person we need
information about the person or property that we're insuring. We
consider this private and have taken steps to keep it
confidential.
We want you to know about
our privacy practices. This Privacy Statement tells you the
kinds of information we get about you, where we get it, and with
whom, if anyone, we may share it.
This Statement describes
our privacy procedures and practices for individuals who seek or
get auto, home and other personal liability and property
insurance for personal, family or household needs.
What kind of
information we have and where we get it
You give us most of what
we need in the application process. To make sure what we have is
correct we may need to check with you by phone (including cell
phone or other mobile device), E-mail or mail.
By giving us a telephone
number, you consent to being contacted at that number, including
if the number is for a cell phone or other wireless device. We
may contact you in person, by recorded message, by the use of
automated dialing equipment, by text (SMS) message, or by any
other means of communication your device is capable of
receiving, as allowed by law and for reasonable business
purposes, including to service your policy with us.
You may be asked to give
us more details in writing or over the phone. Plus, we may
receive and check your past insurance claims from insurance
support organizations or your former insurers.
As allowed by law, we may
ask for credit and other consumer reports from consumer
reporting agencies concerning your application for insurance or
any renewal of insurance. Information given to us by an
insurance support organization, including consumer reporting
agencies may be retained by them and disclosed to other persons.
For auto insurance, we
often get a report of accidents or convictions from your State
Motor Vehicle Department. We get these reports through an
independent reporting company. We may also check information
from government agencies or independent reporting companies.
This helps us correctly rate and price your policy.
For building, motorcycle
or boat
insurance, we or an inspector from an independent company may
visit the property to inspect and report on its condition. In
some cases, pictures may be taken. This allows us to check the
estimate we have of your property's value. If we need more
details about the property or the alarm you've installed, we may
need to enter your property to finish the inspection. We would
contact you before entering your property.
As a part of our
application and underwriting process for the state of Nevada we also
order an Insurance Score based on credit history. We use the
Score, information you give us, and other consumer reports for
underwriting and the price we will charge. If we receive
corrected personal information from a consumer reporting agency,
we will re-evaluate you.
Once you're insured with
us, your file may contain details about your policy(ies). This
may include bill payments or claim history. A claim
representative may comment, for example, on the condition and
use of the insured property. We may also keep a police report if
one was issued.
Sometimes we need to know
about your health. For example, if we need to know whether a
physical limitation will affect your ability to drive, we would
ask you to sign a form allowing your personal doctor to answer
any question we may have.
Who has access to this
information
We keep what we collect
about you in our files. Our policies and procedures protect your
personal information. We have physical, electronic and
procedural safeguards in place.
We do not give or sell
our customers' personal information to others for marketing
purposes. You don't have to ask us to keep your information
private because we do not give it, unless allowed.
We will use information
about you to sell you insurance, service your insurance and
settle claims. We may give the information to other persons or
companies to help us manage or service our business. When we do,
we require them to use it only for the reasons we gave it to
them.
We may give, without your
past permission and only if allowed by law, information about
you held in our files to certain persons or organizations such
as:
- Your agent or broker
- Our affiliated
property and casualty insurance companies
- An independent claim
adjuster or investigator
- Persons or
organizations that conduct scientific research, including
actuarial or underwriting studies, provided that no
individual may be identified in the studies
- An insurance support
organization, including consumer reporting agencies
- Another insurer in
order to prevent or prosecute fraud
Also, we may be required
to share this information:
- With a State
Insurance Department or other governmental agency, if
required by federal, state or local laws
- If ordered by a
summons, court order, search warrant or subpoena
- To protect our own
legal interests, or in case of suspected fraud or other
illegal activities
If you have questions about our
business procedure or operations please feel
free to write us: