PRIVACY POLICY for PinneyInsurance.com
Last Updated: January 12, 2024
At Pinney Insurance Center, Inc., we believe your privacy and information security is important. The following Privacy Policy details our information gathering, protection, and handling practices relating to use of the website PinneyInsurance.com (referred to as the “Site”). If you have issues or concerns relating to this privacy policy, please contact us at the following email address: tools [at] pinneyinsurance [dot] com.
Contents
Why We Collect Visitor Information
What Information We Collect and How We Use It
How We Communicate With Our Clients
Your Personal Information Options
Carrier, Partner, Vendor, and Affiliate Privacy Policies
Website Areas Beyond Pinney Insurance’s Control
Additional Information for California Residents
Security
We take all reasonable and commercial efforts to protect your data, however, no system is perfectly secure or reliable, the internet is an inherently insecure medium, and the reliability of hosting services, internet intermediaries, your internet service provider, and other service providers cannot be assured. When you use the Site you accept these risks, and the responsibility for choosing to use a technology that does not provide perfect security or reliability. If you feel more comfortable submitting your information by phone, please call us at 800-823-4852.
Why We Collect Visitor Information
There are three reasons why we collect visitor information on this site.
- Information is collected to provide real-time, accurate life insurance quotes;
- Information is collected regarding your use of this site in an effort to make this site better for our users;
- Information is collected regarding your general geographic location, the site that referred you to this site, and hardware and software used to view this site in an effort to optimize our marketing efforts.
The only personally identifying information collected on this site is provided by you, the user, voluntarily. Site usage statistics and aggregate user profiles are analyzed to see user trends and are not used to track the usage patterns of individual users.
What Information We Collect and How We Use It
When you use our services (such as our free life insurance quoter), consult with our customer service team or brokerage managers, send us an email, post on our blog, sign up for our mailing list, integrate our services with another website or service, or communicate with us in any way, you are voluntarily giving us information that we collect. The paragraphs below explain the methods we use to collect information, what information we collect, and how we use it. By giving us this information, you consent to this information begin collected, used, disclosed, transferred to the United States and stored by us.
Insurance Quotes. This site provides life insurance quotes free of charge to our life insurance agents. To provide accurate life insurance quotes, certain information must be collected, including state of residence, date of birth, gender, height, weight, coverage amount desired, term period desired, health classification of the proposed insured, and tobacco use. For simplified issue and guaranteed issue life insurance quotes, other health information may also be required. All life insurance carriers have proprietary rate guidelines based on the previously mentioned information. To provide accurate quotes and rates from these carriers, the information mentioned above must be collected.
Cookies. A cookie is a piece of data stored on a user's computer that is tied to information about that user. Like log files (described below), cookies may collect information about your visit to our website, which pages you visit, how long you stay on these pages, your operating system, and similar non-personally-identifying information. We use Google Analytics to collect and store this data for us. Per the terms of use for Google Analytics, none of the cookies this site uses provide us with any personally identifiable information. Information collected by cookies is analyzed to determine the effectiveness of our site. It helps us improve our site and services for all visitors. Users who reject our cookies may still use our site.
This site uses both session ID cookies and persistent cookies. Session ID cookies terminate once the user closes the browser. To remove this cookie, simply close your browser once you are ready to leave our site. Persistent cookies are small text files stored on the user's hard drive for an extended period of time. Persistent cookies can be removed at any time by following help directions provided by your Internet browser. Cookies may be disabled at any time by following help directions provided by your internet browser.
Log Files. When visitors enter and surf through the pages of our site, our server logs information including the internet address of the server or computer contacting us, the date and time, the referring site and its URL, as well as the visitor's browser, operating system, and screen resolution. This data is analyzed to understand better what our visitors are looking for and to improve the quality of our site. We look for trends, identify most- and least-visited pages, and collect broad demographic information. None of the information gathered through our log files is shared with or sold to outside organizations. Nor do we look at individual users and their usage patterns, or use these technologies to gather emails or personally identifiable information.
How We Communicate With Our Clients
Once a user has initiated a relationship with Pinney Insurance through this site, various forms of communication may ensue. They include:
- contact by telephone;
- contact by text message;
- contact by email;
- contact by mail;
- contact by fax.
All contact is to help our agents and their clients apply for, purchase, and/or get life insurance and/or other forms of insurance (such as annuity, auto, home, health, etc.). Contact may come from Pinney Insurance or any one of its carriers, affiliates, vendors, or partners. If at any time you desire that we cease contact with you, please send a letter detailing your request to the following address:
Pinney Insurance Center, Inc.
2266 Lava Ridge Court
Roseville, CA 95661
If you signed up for our email newsletter, we may periodically also email you to let you know about new programs or services we offer that we think you might benefit from. Other reasons we might contact you include the following:
- To send you service alerts. This includes notice of temporary or permanent changes to our services, such as planned outages, new features, changes to the way we process applications, software updates, changes to our website, abuse warnings, and changes to our Privacy Policy.
- To provide support or answer questions. Our website includes contact emails and forms provided for the purpose of allowing you to ask us questions about policies, underwriting, and more. If you contact us, we will use the information provided to answer your questions.
- To fulfill a legal obligation. Should the need arise, we will contact our clients and subscribers to enforce compliance with our Terms of Use, applicable law, or to meet the legal requirements of any relevant court orders, valid discovery requests, valid subpoenas, or other valid legal requests for information.
To stop receiving our emails, please click the unsubscribe link in the bottom of every email we send.
Your Personal Information Options
By providing your personally identifiable information on this site, you are explicitly initiating a relationship (as defined by the National Do Not Call Registry) with Pinney Insurance and are inviting, consenting to, and requesting contact and information from us, which may be provided to you online, by phone, fax, email, or mail by Pinney Insurance or one of our carriers, affiliates, vendors, or partners. As such, you are waiving any right (including claims under the Telemarketing Sales Rule) extending in perpetuity to claim that we, or our carriers, affiliates, vendors, or partners, contacted you without your express consent. If at any time you desire that we cease contact with you, we will honor your request to place you on our internal "Do Not Contact" list.
- Email. You can unsubscribe from our email mailing list at any time by clicking on the "unsubscribe" link at the bottom of every email we send.
- Cookies. You may disable cookies on your browser at any time by following the prescribed method provided to you by your browser.
- Update/Change Personal Information. If you would like to view, update, or change the personal information we have on file for you, please contact us at 800-823-4852.
Carrier, Partner, Vendor, and Affiliate Privacy Policies
Pinney Insurance may share your personally identifiable information with insurance carriers or other partners, vendors, or affiliates for the express purpose of assisting you in brokering the sale of insurance. Pinney Insurance is not liable or responsible for these third-party company's privacy policies or procedures, or any loss or breach of data through these third-party systems. Please contact these individual organizations with questions regarding their Privacy Policies.
Website Areas Beyond Pinney Insurance’s Control
- Public Forums. This website may include interactive forums such as message boards and chat rooms. Please remember that any information that is disclosed in these areas becomes public information and you should exercise caution when deciding to disclose your personal information.
- Third-Party Websites. This website may contain links to other websites. If you choose to visit other websites, we are not responsible for the privacy practices or content of those other websites, and it is your responsibility to review the privacy policies at those websites to confirm that you understand and agree with their policies.
Spam Policy
Pinney Insurance does not spam. Spam or UCE (Unsolicited Commercial Email) is an attempt to deliver an email to someone who would not choose to receive it. If you receive an email from Pinney Insurance, it is because (1) you expressly shared your email address with us for the purpose of receiving information in the future (also known as "opt-in"), or (2) you have purchased from us or have a current relationship with us. By requesting information from us or providing your contact information on our site, you have agreed to opt-in to receive our information. You can unsubscribe from our email mailing list at any time by clicking on the "unsubscribe" link at the bottom of any one of our emails.
Legal Requests & Emergencies
We cooperate with law enforcement inquiries and demands for information that are made under force of law. Therefore, we may provide personal information to law enforcement agencies in what we believe to be emergency situations, we may provide personal information where required by statute, court order, legal process or lawful authority, and we may provide it to our legal counsel in connection with the foregoing.
Privacy Policy Updates
This Privacy Policy may be updated at any time. Pinney Insurance routinely looks for new and safer ways to protect client information. Consequently, this Privacy Policy may be updated to reflect those changes. You must review this Privacy Policy each time you use this site.
Compliance
We operate in the United States. Your information may be transferred to, stored, and/or processed in the United States. By using our websites, you understand and consent to your information being collected, transferred to, stored, and/or processed in the United States as described above.
Additional Information for California Residents
California law requires us to provide California residents with additional information about the way we collect, use, and share your “personal information” (as defined in the California Consumer Privacy Act of 2018, as amended (the “CCPA”)).
Certain federal and state financial regulations, including the GLBA, the California Financial Information Privacy Act (“FIPA”), and certain federal and California health privacy laws govern the information you provide when seeking, applying for, and/or purchasing insurance products or services. That information is therefore not subject to the CCPA. Because of this, we will here provide disclosures and information for California residents regarding the limited personal information we collect that is subject to the CCPA.
California residents who have established a business relationship with us may choose to opt out of us sharing their personal information with third parties for direct marketing purposes. If you are a California resident and (1) you wish to opt out; or (2) you wish to request certain information regarding our disclosure of your personal information to third parties for their direct marketing purposes, please contact us at contact us at 1-800-823-4852.
In the preceding twelve months, we collected and disclosed the following categories of personal information about applicants who are California residents. Keep in mind this applies to insurance applicants we work with, not users of our website, where quoting functions are restricted to licensed financial professionals with an iPipeline login. Consumers cannot and do not provide this information via our website, but we are including this information for the sake of completeness and full disclosure of what our agents do collect when clients request quotes or apply for life insurance through us.
| Category | Examples | Do We Collect This? | Who Is This Information Disclosed to for Business Purposes? |
|---|---|---|---|
| Identifiers | First and last name, mailing address, email address, IP address, mobile device ID, driver’s license number, social security number, date of birth | Yes | Service providers who process information on our behalf; insurance carriers; referral partners |
| Personal information categories listed in the California Customer Records statute | First and last name; age, citizenship or immigration status, signature, social security number, physical characteristics or description, address, telephone number, passport number, driver’s license or state identification card number, employment history, medical information, insurance policy number, bank account number | Yes | Service providers who process information on our behalf; insurance carriers; referral partners |
| Protected classification characteristics under California or federal law | Race, gender, age, marital status, disability status | Yes | Service providers who process information on our behalf; insurance carriers; referral partners |
| Commercial information | Personal property information | Yes | Service providers who process information on our behalf; insurance carriers; referral partners |
| Biometric information | Voice recordings | Yes | Service providers who process information on our behalf; insurance carriers; referral partners |
| Internet or other similar network activity | Cookies and information on a user’s interaction with the Site, device ID, other device information | Yes | Service providers who process information on our behalf; insurance carriers; referral partners |
| Geolocation data | IP address and mobile device ID | Yes | Service providers who process information on our behalf; insurance carriers; referral partners |
| Sensory data | Telephone communications, voice recordings | Yes | Service providers who process information on our behalf; insurance carriers; referral partners |
| Professional or employment-related information | Profession, job title, employer, income, employment history | Yes | Service providers who process information on our behalf; insurance carriers; referral partners |
The above listed recipients are consistently disclosed the listed information for a business purpose (quoting, applying for, and purchasing insurance products). Additional recipients who may occasionally receive disclosures for a business purpose include third-party advertising partners such as social media networks (information disclosed to social media networks, if at all, is limited to name, email, zip code, and date of birth).
Purposes for Collection, Use, and Sharing. We use and disclose the personal information we collect for our commercial purposes, as described in the section of this Privacy Policy titled “What Information We Collect and How We Use It.” This includes business purposes such as:
- Auditing related to our interactions with you
- Legal compliance
- Detecting security incidents and protecting against malicious, deceptive, fraudulent, or illegal activity
- Website testing and debugging
- Performing services (for us or one of our service providers)
- Technological improvement
- Internal operations
- Activities to maintain and improve our services
- One-time or short-term uses
Except as excluded above or limited below, the CCPA grants California residents the rights to request:
- Information. You can request information about how we have collected, used, and shared your Personal Information during the past 12 months. We have made this information available without the need to request via the table above.
- Access. You can request a copy of the personal information that we maintain about you.
- Deletion. You can ask for the personal information that we collected or maintained about you to be deleted.
There are lawful reasons why we may not be able to delete your data or may be required to hold certain personal information. For instance, (a) where we must comply with legal, regulatory, or other requirements, (b) to exercise or defend legal claims, and/or (c) where regulatory or contractual retention periods apply.
Please note that the CCPA limits these rights by, for example, prohibiting us from providing certain sensitive information in response to an access request and limiting the circumstances in which we must comply with a deletion request. If we deny your request, we will communicate our decision to you. We will respond to requests within 45 days of receipt, unless we need more time, in which case we will notify you and may take up to 90 days total to respond. We will not discriminate against you for exercising these rights. To request access or deletion of personal information, please call us at 800-823-4852 or contact us at the address below:
Pinney Insurance Center, Inc.
2266 Lava Ridge Court
Roseville, CA 95661
The CCPA requires us to verify the identity of the individual submitting a request to access or delete personal information before providing a substantive response to the request.
California residents can empower an “authorized agent” to submit requests on their behalf. We will require the authorized agent to have a written authorization confirming that authority and are required to verify their identity.
We do not sell personal information.
Contacting Us
If you have any questions regarding this document, our procedures and policies, the Site, or your relationship with us, please contact us at this address:
Pinney Insurance Center, Inc.
2266 Lava Ridge Court
Roseville, CA 95661
You may also reach us by phone at 800-823-4852 or by email at tools [at] pinneyinsurance [dot] com.
