TELEPHONE CONSUMER PROTECTION ACT COMPLIANCE
If you provide a cell phone number with your contact information, LinQRS and/or LinQRS providers may dial this number, possibly using an auto dialer, to provide quote information and/or seek additional information in order to provide a quote. By providing a cell phone number, you agree to be contacted at that cell phone number, regardless of whether you or someone else is in possession of the cell phone when contact is made. Entering into this agreement is not a condition of purchasing any goods or services. If you choose to invite friends to download our app, we will collect their email address as well.
Our users may from time-to-time provide us with personally identifiable information. Personally, identifiable information generally means any information that may be used to identify an individual, including, but not limited to, your name, home address, telephone number, and email address.
Examples of personally identifiable information may include:
First and Last Name
Driver's License Number*
Date of Birth
We process personally identifiable information as described herein and also for such purposes as:
To deliver our products and services to users, including the display of customized content and advertising;
To conduct research and analysis in order to maintain and improve our products and services;
Ensuring the technical functioning of our system and network;
To aid us in developing new services;
To alert you to product updates, special offers, updated information, and other new services. (You may opt-out of these communications if you so choose.
To contact you in response to your requests for information.
We may aggregate information we receive from you and from our other users and may use or disclose this information to third parties in a manner that does not disclose any such personally identifiable information.
We may collect information like your gender, age, date of birth and marital status. We may also collect your zip code. We might collect this when you contact us or enter a promotion. We also collect additional information depending upon which services you are interested in. For example, if you request information about car insurance, we will collect additional information including information about your vehicle. If you request information about home insurance, we will collect additional information including information about your homeowner status and the property where you live. If you request information about life insurance, we will collect additional information including information about your occupation, physical activity level, veteran status, tobacco use, DUI history, height and weight, and medical history. We also collect information about your current insurance coverage.
If you use our website, we may collect information about the browser you’re using. We might look at what site you came from or what sites you visit when you leave us. On our app, we may collect information about your location, including saved locations. This may include your precise location. We may collect this using different types of technologies, including GPS and Wi-Fi. If you use our mobile app, we may also access your device’s location information in the background.
THIRD PARTY ADVERTISERS
LinQRS works with third-party advertisers and other vendors to serve ads and collect data. These may include insurance providers, credit reporting agencies and other data companies. Social media platforms may also give us information about you. For example, we may combine information we get from a third party with information we already have. We may also combine information collected from you on our various platforms. We may also obtain information about you based on other websites you have visited. These companies may use information (including your name, address, email address, or telephone number) about your visits to these and other websites in order to provide advertisements on these sites and other websites about goods and services that may be of interest to you.
INFORMATION YOU PROVIDE US
In addition to the information automatically collected by your browser, LinQRS also collects information that you provide to us when you request quote information. For example, we and our business partners use your information to select and provide you with information about insurance products you may be interested in. We may also use your information to respond to your customer feedback.
Our websites and mobile application provide users with the opportunity to request quote information from insurance providers and brokers. To do this, we collect contact information as well as information relevant to the applicant’s insurability. This contact information is then provided to the insurance partners from which the user has requested quote information.
By submitting a quote request, you authorize LinQRS to provide your information to insurance agents, both local and national. You also authorize LinQRS to provide your information to one of our third party agent networks in the event that our primary agent network has few or no agents in your zip code. You authorize these agent networks to share your information with their vendors, suppliers, and insurance carriers in order to generate information for your quotes. By submitting a quote request, you acknowledge that LinQRS service requires you to agree that our partner companies may obtain a consumer report or credit score from a consumer reporting agency (also known as a credit bureau) and that these partner companies do not have the right to obtain a consumer report or credit score without your written instruction which you are granting by clicking the submit button. Accordingly, by submitting a quote request you instruct consumer reporting agencies to provide a consumer report or credit score on you to these partner companies if requested within a reasonable date from the time you submit information to LinQRS. In the event that one of our partner companies obtains this credit information that partner company will not share this information with any other party, including insurance carriers, but insurance carriers may elect to obtain credit information on their own in connection with the quoting and underwriting of the requested insurance. Where permitted by law, some insurance companies or their agents may confirm your information, through the use of consumer reports, which may include credit score and driving record.
By submitting a quote request, we might provide you with information, special offers, and advertisements for products. This information may be from or on behalf of insurance providers or other third parties. We might tell you about new features or updates. We might also use your information to serve you ads about products and offers. By submitting your email address and/or phone number to us, you authorize us to use that email address and phone number to contact you periodically, including by the use of an auto-dialer and pre-recorded messages, concerning your quote requests, about the website, app or our services and information or offers that we feel may be of interest to you. We may also allow our partners to provide you with information about new products and special offers, including offers for insurance products and services. We will send you push notifications about insurance-related offers and services. We may also send you push notifications for other reasons like friend requests, prompts to view your trips, renewal alerts, carrier rate increases or product updates.
HOW WE USE THIS INFORMATION
The information that is automatically collected by LinQRS allows LinQRS to further develop and improve the layout, design, and usability of the site and mobile application in order to better serve your needs. The information you provide to us is used for marketing purposes and may result in follow-up communications. For example, we share information with vendors who send emails to us. We may also share information with companies that operate our websites, app or run a promotion.
HOW OUR INSURANCE PROVIDERS MAY USE THIS INFORMATION
In order to provide you with the most accurate quotes possible, insurance companies may need to obtain additional background information about you. As an example, consumer reports may be ordered in connection with your insurance application. These reports provide information that may assist in determining your eligibility for insurance and the price you may be charged. Consumer reports may also be used for updates, renewals or extensions of this insurance. The insurance company may also obtain and use a credit-based insurance score based on information contained in your credit report. The insurance company may use a third party in connection with the development of the insurance score.
The company respects the privacy of users visiting our sites and will abide by all applicable laws concerning release of personal information. On occasion, we may use certain directory information that we collect from you to send you information, via direct mail or email, about products and services, or updates and other information that we think may be of interest to you. We may share this information with our insurance partners to bring similar information to your attention. If you tell us that you do not wish to have this information used as a basis for further contact with you, we will respect your wishes. To opt out of having us share your information with third parties for their promotional purposes, email us at compliance@LinQRS.com. If you wish to review or update the personal information that LinQRS has collected from you, please email us at compliance@LinQRS.com. To protect your privacy and better safeguard your information, we will also take reasonable steps to verify your identity before granting access or making corrections.
OUR SECURITY MEASURES
Our websites have security measures in place to protect against the loss, misuse, and/or alteration of the information under our control. The internet is not 100% secure. We cannot promise that your use of LinQRS website our mobile application will be completely safe. We encourage you to use caution when using the Internet. This includes not sharing your passwords.
NOT INTENDED FOR CHILDREN
Our sites and apps are meant for adults. We do not knowingly collect personally identifiable information from children under 16 without permission from a parent or guardian. If you are a parent or legal guardian and think your child under 16 has given us information, you can email us.
CHANGES AND UPDATES
COMPLIANCE WITH LAW
LinQRS reserves the right to disclose your personal information if required to do so by law, or in the good faith belief that such action is reasonably necessary to comply with legal process, respond to claims, or protect the rights, property, or safety of our company, employees, customers, or the public.
FEEL FREE TO CONTACT US IF YOU HAVE ANY QUESTIONS
If you have any questions about this Policy, please email us at compliance@LinQRS.com.