Insurance.com Insurance Agency, LLC ("Insurance.com") and its affiliates have worked with Insuractive, Inc. ("Insuractive") to establish this joint website in order to provide you with travel insurance information and services. All travel insurance requests made at this site will be serviced and processed through Insuractive, Inc.

I.  Applicability

This Statement of Privacy and Security applies to all information gathered or maintained, while using this site to request information about travel insurance, through Insuractive, Inc. and Insurance.com. This includes information gathered electronically at this website, as well as information transmitted to us by telephone, fax, or otherwise by one of our affiliates, and also information received from our travel insurance call center.

This site contains links to other sites. We are not responsible for the privacy practices, the security measures, or the content of any such web site.

II.  Your Privacy

We are committed to protecting your privacy. We do not sell, trade or rent your personal information to unaffiliated parties. (See Section III.E.) Questions regarding this statement should be directed to: privacy@insurance.com or by writing to: Privacy Coordinator, Insurance.com, P.O. Box 610255, Newton Highlands, MA 02461

1. What Can I Do Without Disclosing Any Information?
   A large portion of our services are available to you without entering any personal information. You can get a Quote, learn about our Products, use the Policy Picker^SM or receive information regarding what types of travel insurance policies and products may be right for your individual needs. In order to actually purchase a policy, however, we require you to provide us with certain personal information.
    
2. Why Do I Need to Submit Personal Information?
   Because coverage benefits and premiums for insurance policies are affected by your individual traits and circumstances, we ask you to disclose a significant amount of personally identifiable information when you purchase a plan at this site, or when you phone our travel insurance call center.
   
   Our goal is to allow you to quickly and easily purchase the insurance products that may best fit your needs without jeopardizing your privacy and security in any way. We ask you to disclose personal information in order for us to:
   
   
   • Provide you with the insurance policies and/or protection plans that may best meet your unique needs and preferences.
   • Verify that your purchase orders are received and accurately processed by the appropriate policy producers and/or plan administrators.
   • Maintain accurate records about who you are and where you learned about us.
   • Maintain accurate policy records.
   • Deliver important materials to you pertaining to your selected policies and/or plans.
   • Contact you and/or your designated contacts directly should the need arise.
   
    
3. What Kinds of Information Will I Have to Provide?
   
   
   1. Personal Information (Administrative)
      In fulfilling your request for travel insurance information or coverage, we ask for your title (Mr./Mrs., Ms., Dr., etc.), your name, address, date of birth, gender, and country of citizenship. We give you the opportunity of entering additional personal information, such as telephone and fax number, beneficiary name (of life insurance benefits) and relationship of beneficiary. For travel plans, you can provide your passport number and issuing country (of passport).
       
   2. Other Personal Information Required for Coverage
      Depending on the plan and coverage options you wish to purchase, additional information may be required about you and each additional person to be covered under the same policy or plan, or for whom you are purchasing a separate policy or plan. For each additional person to be covered you may be required to provide the same mandatory personally identifiable information you disclosed about yourself. Some travel plans require you to provide your passport number and issuing country (of passport). You may be required to disclose your Social Security Number in order to purchase certain plans.
      
      Additionally, to purchase online you will need to provide the type of credit card you wish to use, the credit card number, the date of expiration, your phone number, and shipping address. See the section entitled IV. What Happens When I Purchase a Policy Online? for more details.
      
      Finally, you will have the ability to correct information provided during your travel insurance application process by calling our travel insurance call center at +1 (800) 786-5566 or +1 (402) 397-3311 - ask for the travel department.
      
      
   3. Health Information
      Some insurance plans require you to submit certain personal information concerning your medical history in order to process your request. This includes, but is not limited to, your height, weight, and medical history (for diagnoses of heart condition, anemia, headaches, diabetes, cancer, and other health disorders). Before you submit any of this information, you will be asked if you agree to the disclosure of this information for the purpose of finding you a policy. We will store your application in an encrypted, secure location for two weeks. We do not permanently maintain records of your personal health information at Insuractive, Inc. or Insurance.com, nor do we make any other use of the information other than to pass it along to the insurer who will provide the policy to you. We cannot process your request unless you affirmatively agree to let us use the information for this purpose.
      
      We reserve the right to store your health information associated with specific policy applications for our records as necessary as we expand our services in the future. Any changes to the Statement of Privacy and Security will be posted immediately on this site, and you should always review the statement prior to submitting information.
   
    
4. What Do You Do with this Information?
   The information that you provide is delivered to the insurance provider/administrator that you have selected so that they can process your application.
    
5. Will Any of the Personal Information Collected be Disclosed to Outside Parties?
   The insurance companies and plan administrators who administer your plan(s) will receive your information for the purpose of fulfilling your purchase order(s) and providing plan services. We do not divulge, sell, trade or rent your personal information to any unaffiliated parties. We may provide aggregate statistics about our customers, sales, traffic patterns, and related site information to reputable third-party vendors, but these statistics will include no personally identifying information.
   
   Insurance.com and its Fidelity Affiliates. Insuractive will collect and provide to Insurance.com and Insurance.com's Fidelity affiliates the following types of information about you for marketing purposes:
   
   
   • Contact and demographic information, such as your name, address, telephone number, e-mail address, gender, occupation, marital status, date of birth and other demographic data as permitted by law; and
   • If you have been issued a policy: policy information, such as the policy purchased, carrier name, effective date, renewal and/or expiration date, and monthly premium.
   
   Insurance.com also has strict security policies and procedures that limit the selling or providing of personal information collected through this web site to unaffiliated third parties for their independent use. In certain circumstances, however, Insurance.com will provide third parties with specific information about you or your account, including your name, address and telephone number. For example, Insurance.com may furnish information about you to third parties who perform services for Insurance.com, or as necessary in connection with a transaction you have authorized, to protect against fraud or other risks, or when Insurance.com is required or allowed to do so by law. For more information concerning Insurance.com's privacy policy, return to the following web page: http://www.insurance.com/about_us/security_privacy.asp
    
6. How Do I Remove My Information from Your Database?
   If you do not wish to receive valuable information about travel insurance, you can remove yourself from our distribution lists at any time by:
   
   
   1. Simply sending an email to unsubscribe.travel@insurance.com. Please include your email address and "Remove" in the subject line of this email.
       
   2. Calling our customer service center at 1-877-808-3435.
       
   3. Writing to us at Privacy Coordinator Insurance.com P.O. Box 610255 Newton Highlands, MA 02461
       

1. How is the Information that I Send to You Protected?
   All of the information that you transmit to us electronically, including personally identifiable information disclosed during your request for travel insurance information or plans, as well as credit card and other personally identifiable information provided during the online purchase process, is securely protected using SSL (Secure Socket Layer) 128-bit encryption. Furthermore, we have implemented strict policy guidelines to safeguard the privacy of your personally identifiable financial information from unauthorized access or improper use, and we will continue to enhance our security procedures as new technology becomes available.
    
2. How Do You Ensure the Security of the Information Once I Give it to You?
   Final processing of online purchases transpires in one of two ways: 1) credit card payment information is transmitted directly to the designated insurance provider/administrator via SSL-protected secure server communication; 2) credit card payment information is transmitted from this site by encrypted email to the insurance provider where the message is decoded and processed.
   
   Your complete credit card information is stored only by the merchant providing your selected plan(s). We temporarily receive, but do not permanently store, complete credit card information on Insuractive's server or at Insuractive's offline site. For security and verification purposes we store the last four digits only of an online purchaser's credit card. The credit card's last four digits are stored with the purchase order(s) with which they are associated and are stored only for use as record locators and to verify purchase orders.
    
3. What Types of Internet-Related Information am I also Sharing with You?
   
   
   1. Cookies
      "Cookies" are small pieces of information that are stored by your browser on your computer's hard drive. When you choose to use this site we send a small bit of code (a cookie) back to your hard drive via your browser where it is stored temporarily until you close your browser. This code is uniquely yours. The cookie enables your browser to access your unique policy information which is necessary to make online purchases secure. If your browser does not permit cookies or if you have chosen to disable your browser's ability to accept cookies, you may not be able to make online travel insurance purchases.
      
      Also, when you click through to this site from a hyperlink situated on the Insurance.com site, a cookie is automatically sent to your browser identifying Insurance.com as the site which provided the link. This cookie is stored on your browser for 90 days. It contains no personal information about you and it is used only to determine that Insurance.com is the site from which you originated.
       
   2. IP Address
      We use your IP address to help diagnose problems with Insuractive's server, and to administer this web site. Your IP address is used to help identify you and to gather broad demographic information.
       

V.  What About Purchasing a Policy By Phone?

Some policies are not currently available for purchase over the Internet. All of the policies are available for purchase through Insuractive's call center. When you purchase a policy in this manner, the licensed insurance agent at the call center takes your personal information over the phone, enters it into the computer and transmits it via SSL-protected server directly to Insuractive's server.

At your request, the call center will transmit the information to Insuractive via fax, rather than over the Internet. If you request this method, the call center agent will transcribe your information by hand and fax it to Insuractive, where we then enter it into the Insuractive database before sending it on to the insurance provider/administrator as discussed in B. How do You Ensure the Security of the Information Once I Give it to You?, above. We then store the hardcopy in a secure location at Insuractive's offline site.

Additionally, some policy applications must be faxed directly to the insurance provider. When this happens, we receive a hardcopy confirmation of your order from the insurance provider. We then input the information outlined in section C.1, Personal Information (Administrative) into the Insuractive database. Of course, you maintain the right to access and edit the information at any time, by phoning the call center at +1 866-979-6753 or +1 402-343-3699.

VI.  What are Your Children's Guidelines?

We do not knowingly collect online contact information or personally identifiable offline contact information about children from children.

We do not entice children by the prospect of a special game, prize or activity, to divulge any information about themselves for any reason. We do not knowingly accept or store personally identifiable information submitted by children younger than thirteen, nor do we respond to, promote to, market to, or communicate with children known to be younger than thirteen years old.

However, some personally identifiable information about children must be disclosed by parents or guardians or their designated agents when such persons are engaged in the process of making online purchases of insurance and/or travel assistance plans intended to cover and/or apply to said children. Precisely what information must be disclosed is described above in C. What Kinds of Information Will I Have to Provide?

VII.  Consent

By requesting travel insurance on this web site, you consent to the collection and use by us of the information you disclosed in accordance with this Travel Privacy Policy. If we decide to change our privacy and/or security policies, we will post those changes on this page so that you are always aware of what information we collect, how we use it, and under what circumstances we disclose it.Questions regarding this statement should be directed to: Privacy Coordinator Insurance.com P.O. Box 610255 Newton Highlands, MA 02461