1. Purpose and Overview

Our team at the Internet of Insurance LLC (the “IOI”) values your trust and takes your privacy seriously. We’ve made it a high priority to ensure the confidentiality and security of the personal information you provide to us through our website and platform (“Services”). Remember that, by visiting our website or using our Services, you accept and agree to this Privacy Notice and the privacy practices described in this Privacy Notice, in addition to our Terms of Service. 

This Privacy Notice explains our company practice relating to collecting, using, and disclosing any data entered or otherwise processed through our Services. It is your responsibility to read this Privacy Notice and learn about our privacy practices so you can better understand what information we collect from you, why we collect it, how we use it, who we share it with, and what your options are. 

2. Consent

By using our Services, you consent to this Privacy Notice, our Terms of Service (unless you have another written agreement with us that supersedes our Terms of Service), and any other applicable terms related to access to and use of the Services.

3. What Data Do We Collect?

We collect personally identifiable information and other information about you when you visit our Services, fill out a form or input data on or through our Services, set up an account or profile on our Services, or use the sites or applications of our customers in any way.  When using the Services, you may be asked to enter, and we may collect, your: name; email address; mailing address; phone number; username; password; or other information as requested by the Services.

We may also collect information that you make passively available when you use any of our Services, including without limitation the following:

• IP Address (a unique identifier for your computer or other device)
• Location Data
• Mobile Device ID
• Services Navigation History and Habits
• Browser Type and Language
• Internet Service Provider (ISP)
• Operating System
• Date/Time Stamp
• Clickstream Data

Finally, we may collect data about you through our own, or through third party, analytics services or other data service providers. For example, we may use Google’s analytics services to determine how you found our website.

4. How Do We Use the Data We Collect?

Any of the information that we collect from you may be used in any or all of the following ways:

• To personalize your experience (your information helps us to better respond to your individual needs)
• To improve our Services (we continually strive to improve our Services based on the information and feedback we receive from you and other customers)
• To improve customer service (your information helps us to more effectively respond to your customer service requests and support needs)
• To anonymize and aggregate your data to generate statistics, perform benchmarking and perform research, including to develop new services
• To provide services to the companies that use the Services
• To send periodic emails and engage in other marketing campaigns, including to inform you about other IOI products or services
• To comply with legal requirements, such as responding to subpoenas, discovery requests, and investigations and complying with court orders
• For our other business purposes

We may also collect and store information about you that we receive from other sources to, among other things, enable us to verify, update and correct the information contained in our databases, prevent fraud, provide services to our other clients, and to better customize your experience on our site.  Additionally, after a transaction, we may keep your personal information on file in order to archive the transaction data, help improve the customer experience, and for other business purposes.

5. How Does IOI Disclose Data?

We may disclose your data to third-party companies to fulfill the purposes outlined above in Section 4.  We may also share information about how you use and interact with the Services. 

We also use and may disclose your data to third-party service providers who assist us in operating our Services, conducting our business, or servicing you, so long as those parties agree to keep this information confidential. We may also release your information when we believe release is appropriate to comply with the law, enforce our Services’ policies, or protect our rights, property, or safety in any way legally or most appropriate to the situation at our sole discretion. 

We may also share your personal information with our business partners, subsidiaries, affiliates, or co-marketers from time to time. Non-personally identifiable or anonymized and aggregated information may also be provided to other parties for marketing, advertising, or other uses. 

6. How Does IOI Protect Your Information?

IOI implements a variety of industry standard security measures to help maintain the safety of your personal information when you enter, submit, or access your personal information. We strive to keep all customer data encrypted both in transit and at rest. We may modify these practices as technology improves and changes.

7. How Do the Services work From Outside the United States?

If you are visiting the Services from outside the United States, please be aware that your information may be transferred to, stored, or processed in the United States, where our servers are located and our central database is operated. By using the Services, you consent to the general use of such information as provided in this Privacy Policy and to the transfer of that information to and storage of that information in the United States.  If you are using the Services and are a resident of the European Union or Switzerland, you may not use the Services or provide us with your data.

8. How Does the IOI Protect Children and Student Data?

The Services are general audience services but we do not offer any services directed to children. You must be at least eighteen (18) years of age to use the Services. If you are not at least eighteen (18) years old, you may not use any of the Services.  ​

9. Do Any Other Terms Apply?

Other terms apply to your access to and use of our Services. Please also visit our Terms of Service, which establish the use, disclaimers, limitations of liability, and other terms and conditions governing the use of our Services at https://www.internetofinsurance.org/tos. This Privacy Notice, as well as any other terms or policies mentioned in this policy or the Terms of Service, is made a part of and incorporated into our Terms of Service; any capitalized terms used but not defined in this policy shall have the same meanings as those set out in the Terms of Service.

10. Will this Privacy Policy Change or Be Assigned?

We reserve the right to modify or amend the terms of this Privacy Notice from time to time. Your continued use of our Services following the posting of changes will mean you accept the new Privacy Notice as modified.

Additionally, we may change our ownership or corporate organization while providing our Services. We may also sell certain assets associated with the Services. As a result, please be aware that, in such event, we may transfer some or all of your data to an entity acquiring all or part of our assets or to another entity with which we have merged. Under such circumstances we would, to the extent possible, require the acquiring party to follow the practices described in this Privacy Notice, as it may be amended from time to time. Nevertheless, we cannot promise that the acquiring or merged company will have the same privacy practices or treat your information the same as described in this Privacy Notice.

11. Contact Information

If you have any questions regarding this Privacy Notice or wish to report any noncompliance or suspected noncompliance, please feel free to reach out to IOI:

8750 W. Bryn Mawr Ave. Ste 1150

Chicago, IL 60631