Privacy Policy

Types of Data Collected

Personal Data

While using Our Service, We may ask You to provide Us with certain personally identifiable information that can be used to contact or identify You. Personally identifiable information may include, but is not limited to:

• Email address
• First name and last name
• Phone number
• Usage Data

Usage Data

Usage Data is collected automatically when using the Service.

Usage Data may include information such as Your Device's Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our Service that You visit, the time and date of Your visit, the time spent on those pages, unique device identifiers and other diagnostic data.

When You access the Service by or through a mobile device, We may collect certain information automatically, including, but not limited to, the type of mobile device You use, Your mobile device unique ID, the IP address of Your mobile device, Your mobile operating system, the type of mobile Internet browser You use, unique device identifiers and other diagnostic data.

We may also collect information that Your browser sends whenever You visit our Service or when You access the Service by or through a mobile device.

Tracking Technologies and Cookies

We use Cookies and similar tracking technologies to track the activity on Our Service and store certain information. Tracking technologies used are beacons, tags, and scripts to collect and track information and to improve and analyze Our Service.

You can instruct Your browser to refuse all Cookies or to indicate when a Cookie is being sent. However, if You do not accept Cookies, You may not be able to use some parts of our Service.

Cookies can be "Persistent" or "Session" Cookies. Persistent Cookies remain on your personal computer or mobile device when You go offline, while Session Cookies are deleted as soon as You close your web browser. Learn more about cookies: Cookies: What Do They Do?

We use both session and persistent Cookies for the purposes set out below:

• Necessary / Essential Cookies
• Type: Session Cookies
• Administered by: Us
• Purpose: These Cookies are essential to provide You with services available through the Website and to enable You to use some of its features. They help to authenticate users and prevent fraudulent use of user accounts. Without these Cookies, the services that You have asked for cannot be provided, and We only use these Cookies to provide You with those services.

• Cookies Policy / Notice Acceptance Cookies
• Type: Persistent Cookies
• Administered by: Us
• Purpose: These Cookies identify if users have accepted the use of cookies on the Website.

• Functionality Cookies
• Type: Persistent Cookies
• Administered by: Us
• Purpose: These Cookies allow us to remember choices You make when You use the Website, such as remembering your login details or language preference. The purpose of these Cookies is to provide You with a more personal experience and to avoid You having to re-enter your preferences every time You use the Website.

• Tracking and Performance Cookies
• Type: Persistent Cookies
• Administered by: Third-Parties
• Purpose: These Cookies are used to track information about traffic to the Website and how users use the Website. The information gathered via these Cookies may directly or indirectly identify you as an individual visitor. This is because the information collected is typically linked to a pseudonymous identifier associated with the device you use to access the Website. We may also use these Cookies to test new advertisements, pages, features or new functionality of the Website to see how our users react to them.

For more information about the cookies we use and your choices regarding cookies, please visit our Cookies Policy or the Cookies section of our Privacy Policy.

Use of Your Personal Data

The Company may use Personal Data for the following purposes:

• To provide and maintain our Service, including to monitor the usage of our Service.
• To manage Your Account: to manage Your registration as a user of the Service. The Personal Data You provide can give You access to different functionalities of the Service that are available to You as a registered user.
• For the performance of a contract: the development, compliance and undertaking of the purchase contract for the products, items or services You have purchased or of any other contract with Us through the Service.
• To contact You: To contact You by email, telephone calls, SMS, or other equivalent forms of electronic communication, such as a mobile application's push notifications regarding updates or informative communications related to the functionalities, products or contracted services, including the security updates, when necessary or reasonable for their implementation.
• To provide You with news, special offers and general information about other goods, services and events which we offer that are similar to those that you have already purchased or enquired about unless You have opted not to receive such information.
• To manage Your requests: To attend and manage Your requests to Us.

We may share your personal information in the following situations:

• With Service Providers: We may share Your personal information with Service Providers to monitor and analyze the use of our Service, to contact You.
• For Business partners: When you submit an inquiry or using another other Service provided through the Website, you direct Ultimate Insurance to share information about you or provided by you with Insurers and other third parties in our network, which to deliver the products and services your request (collectively, “Network Partners”). PLEASE NOTE: The Network Partners that interact with you may retain or use your information whether or not you use their services. You should contact these Network Partners directly concerning their privacy and information sharing practices. Pursuant to the contracts between Ultimate Insurance and its Network Partners, if you select a Network Partner through a Ultimate Insurance website, Ultimate Insurance may also receive information about you from that Network Partner including, but not limited to, the amount or disposition of your Insurance. Ultimate Insurance may maintain this information to assist with litigation, regulatory request(s), law enforcement requests, internal analytics, marketing purposes, and any other legally permissible purpose.
• With Affiliates: We may share Your information with Our affiliates, in which case we will require those affiliates to honor this Privacy Policy. Affiliates include Our parent company and any other subsidiaries, joint venture partners or other companies that We control or that are under common control with Us.
• With Business partners: We may share Your information with Our business partners to offer You certain products, services or promotions.
• With other users: when You share personal information or otherwise interact in the public areas with other users, such information may be viewed by all users and may be publicly distributed outside. If You interact with other users or register through a Third-Party Social Media Service, Your contacts on the Third-Party Social Media Service may see Your name, profile, pictures and description of Your activity. Similarly, other users will be able to view descriptions of Your activity, communicate with You and view Your profile.

Retention of Your Personal Data

The Company will retain Your Personal Data only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use Your Personal Data to the extent necessary to comply with our legal obligations (for example, if we are required to retain your data to comply with applicable laws), resolve disputes, and enforce our legal agreements and policies.

The Company will also retain Usage Data for internal analysis purposes. Usage Data is generally retained for a shorter period of time, except when this data is used to strengthen the security or to improve the functionality of Our Service, or We are legally obligated to retain this data for longer time periods.

Transfer of Your Personal Data

Your information, including Personal Data, is processed at the Company's operating offices and in any other places where the parties involved in the processing are located. It means that this information may be transferred to — and maintained on — computers located outside of Your state, province, country or other governmental jurisdiction where the data protection laws may differ than those from Your jurisdiction.

Your consent to this Privacy Policy followed by Your submission of such information represents Your agreement to that transfer.

The Company will take all steps reasonably necessary to ensure that Your data is treated securely and in accordance with this Privacy Policy and no transfer of Your Personal Data will take place to an organization or a country unless there are adequate controls in place including the security of Your data and other personal information.

Disclosure of Your Personal Data

Business Transactions

If the Company is involved in a merger, acquisition or asset sale, Your Personal Data may be transferred. We will provide notice before Your Personal Data is transferred and becomes subject to a different Privacy Policy.

Law enforcement

Under certain circumstances, the Company may be required to disclose Your Personal Data if required to do so by law or in response to valid requests by public authorities (e.g. a court or a government agency).

Other legal requirements

The Company may disclose Your Personal Data in the good faith belief that such action is necessary to:

• Comply with a legal obligation
• Protect and defend the rights or property of the Company
• Prevent or investigate possible wrongdoing in connection with the Service
• Protect the personal safety of Users of the Service or the public
• Protect against legal liability

Service Providers have access to Your Personal Data only to perform their tasks on Our behalf and are obligated not to disclose or use it for any other purpose.

This section contains disclosures required by the California Consumer Privacy Act (“CCPA”) and applies only to “personal information” that is subject to the CCPA.

Information We Collect, Disclose for a Business Purpose, and Sell. In the past 12 months, we collected, disclosed for a business purpose, and sold the following categories of personal information about California consumers.

Categories of Personal Information:

• Specific Types of Personal Information Collected
• Identifiers, or information that identifies, relates to, describes, or is capable of being associated with a particular individual

First name; Last name; Email address; Phone number; IP address; Postal address; Home details; Level of education; Account or financial information; Vehicle and auto insurance information;

Date of birth

• Characteristics of protected classifications under California or federal law

Male/female

• Internet or other electronic network activity information

Referring website address; Web browser type and version; Geolocation data; Internet service provider; Time and date of your visit to the Site;

Behavioral data

• Commercial information
• Products or services purchased, obtained, considered
• Inferences drawn from the above information about your predicted characteristics and preferences
• Inferences about an individual's propensity to respond to a particular email advertisement

We collect the above personal information directly from you via the Site, including through cookies. Cookies are stored on your computer to facilitate and customize your use of our Site. A cookie is a small data text file stored on your computer's hard drive (if your web browser permits) that can later be retrieved to identify you to us. Cookies simplify your use of the Site, ensure it runs smoothly, and help us maintain a secure Site. They may collect information such as the referring website address, your IP address, browser type and version, Internet service provider, area code and zip code associated with your server, the time and date of your visit, and time spent on the Site.

We collect personal information through your interactions on the Site, including your interest in particular services or products, and any personal information you submit in connection with your requests. We also track whether you respond to specific advertisements and which third-party advertisements and links you click through the Site.

The collection of personal information categorized as "Identifiers, or information that identifies, relates to, describes, or is capable of being associated with, a particular individual" is used for the following purposes: 1) providing access and interaction with the Site; 2) connecting you with the services or products featured on the Site that you indicate a need for.

The collection of personal information categorized as "Characteristics of protected classifications under California or federal law" is used for: 1) tracking consumer interaction with the Site; 2) advertising/marketing services; 3) analytics and internal research; and 4) verifying or maintaining quality or safety.

The collection of personal information categorized as "Internet or other electronic network activity information" serves the following purposes: 1) providing access and interaction with the Site; 2) connecting you with the services or products you indicate a need for; 3) tracking consumer interaction, detecting security incidents, protecting against malicious activities, and debugging to repair functionality issues; 4) advertising/marketing services; 5) analytics and internal research; and 6) verifying or maintaining quality or safety.

The collection of personal information categorized as "Commercial information" is used to: 1) connect you with the services or products you indicate a need for; 2) provide advertising/marketing services; and 3) conduct analytics and internal research.

The collection of personal information categorized as "Inferences drawn from any of the above information to create a profile about a consumer reflecting their preferences, characteristics, behavior, etc." is required for: 1) advertising/marketing services; and 2) analytics and internal research.

What Personal Information Do We Disclose?

We have disclosed personal information for business purposes to third parties within the preceding 12 months in all the above categories. These disclosures are made to our third-party buyers, which are hyperlinked at https://www.ultimateinsurance.com/form/partners.php. This includes any indication of your need for a particular service or product featured on the Site and all personal information you submitted through the Site in conjunction with your request. Additionally, we disclose personal information in all the above categories to our third-party advertising partners, such as the owners of the brands featured on the Site, as well as third-party advertising networks. We also share personal information with our third-party Service Providers who log user experiences, assist with form population, and perform retargeting, and with third-party publishers to track clicks/conversions.

Furthermore, to comply with applicable laws and regulations, respond to lawful requests, or protect our rights, we may disclose any of the above personal information to the requesting governmental agency, entity, or person. In the course of our business development, we may sell or buy assets, in which case personal information collected through the Site could be transferred as part of the transaction. Similarly, if we or substantially all of our assets are acquired, such personal information will be included in the transferred assets.

What Personal Information Do We Sell?

Under the definitions of "Sell" and "Sale" in the CCPA, we do not sell your personal information.

Your Right to Request to Know and How to Submit a Verified Request to Know

• A "request to know" is a request related to the personal information a business holds about a consumer. It may include a request for any or all of the following:
• Specific pieces of personal information that we have collected about you;
• Categories of personal information that we have collected about you;
• Categories of sources from which the personal information was collected;
• Categories of personal information that we have sold or disclosed for a business purpose about you;
• Categories of third parties to whom the personal information was sold or disclosed for a business purpose; and
• The business or commercial purpose for collecting or selling the personal information.
• The CCPA permits consumers to make requests to know up to twice in a twelve (12) month period.

To submit a request to know, please email your request to privacy@ultimateinsurance.com. To process your request, we will require you to submit your name, email address, and/or phone number. This information will be used to verify your request and attempt to identify you within our data records. If you choose to use an authorized agent to exercise your right to submit a request for information, we may require the following before processing the request: 1) proof of your written and signed permission for the authorized agent to act on your behalf; 2) direct verification of your identity with us; and 3) direct confirmation with us that you provided the authorized agent permission to submit the request on your behalf. We will only use the information you submit in conjunction with your request to verify your identity and provide you with the information requested.

Your Right to Non-Discrimination for the Exercise of Your Privacy Rights

California affords consumers with the right not to receive discriminatory treatment by a business for the exercise of their privacy rights conferred by the CCPA. This means that you cannot be denied goods or services; be charged different prices or rates; be provided with a different level or quality of goods or services; or have it suggested that you will receive a different price or rate or different level or quality of goods or services. However, a business may offer a financial incentive or price or service difference if it is reasonably related to the value of the consumer's data. A business shall notify consumers of any financial incentive or price or service difference.

Need More Information or Having Difficulty Accessing this Information?

If you have any questions or concerns regarding your California privacy rights, or our privacy practices, please email privacy@ultimateinsurance.com. Further, if you have a disability which interferes with your ability to access this policy, accommodations can be made to present the policy in an alternative format, to assist you. If you would like to receive this information in another format that is accessible to your needs (for example: audio, large print, etc.) please email privacy@ultimateinsurance.com