InsureComp

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Privacy Policy

Privacy Policy

1.   About the Company

InsureComp (“we”, “us”, or “our”) a modular, cloud-based platform that leverages advanced technology to seamlessly integrate with various systems. Our pre-programmed algorithms enable instant PEO pricing, minimizing underwriting costs. We offer an innovative digital solution that streamlines the procurement of viable leads for PEOs via our Affinity Group PEO Solutions brand. Our platform offers a convenient way for businesses to access workers’ compensation and payroll services, as well as receive immediate quotes for co-employment.

2.   Introduction

Thank you for visiting InsureComp. Please read our Terms of Service and this Privacy Policy carefully, as your first use of the websites, products, or services maintained or offered by InsureComp constitutes agreement to both. If you do not agree with any of these policies, you agree to discontinue use of our websites, products, or services immediately.

This Privacy Policy describes the privacy practices of InsureComp It sets out when and how we collect visitor or customer information, including personally identifiable information, how such information is used, and the circumstances under which information may be disclosed to others.

We collect and process information from:

  • Customers using our services to power their business;
  • Visitors;
  • Prospective mates.

Your privacy is important to us. This privacy policy (this “Privacy Policy”) outlines how we at InsureComp and its affiliates, collectively collect, use, disclose, and handle your information.

Please read this Privacy Policy carefully. By using our Services (as defined below), you acknowledge that you have read, understand, and agree to be legally bound by this Privacy Policy and other policies incorporated herein by reference. This Privacy Policy was last updated and is effective on 01.01.2024.

We reserve the right to modify this Privacy Policy at any time, at our sole discretion. We may modify this Privacy Policy by providing notice via one of the following methods:

  1. By email to the email account used by you to access our Services,
  2. By updating the ‘last updated’ date listed above, or
  3. By your acknowledgment as part of your login to our Services.

By continuing to use our Services, you confirm that you agree to the modified Privacy Policy. If you do not agree with the changes to this Privacy Policy, you must immediately stop using our Services and close your account within [Insert Number] days of the change.

3.   Our Services and How This Privacy Policy Applies

InsureComp is an API-enabled, cloud-based procurement, underwriting & pricing platform that drives operational efficiencies. We provide our services to following:

  1. Insurance Companies-
  • Enables all channels – agents, brokers, and direct clients.
  • No compromise on the need for comprehensive risk assessment
  • Seamless data transfer via APIs
  • Customizable underwriting rules
  • ‘In-built’ pricing algorithms for all 47 non-monopolistic states
  • Hosting solution for filed rates and other rating factors.
  1. Agencies
  • Quick fitment decisions
  • Comparison between multiple programs (e.g., GC vs. LD)
  • Customizable underwriting rules
  • Instant price indications / pricing decisions
  • Enable all channels – in-house sales, external brokers, direct clients.
  • Seamless data transfer via APIs
  • Qualified ‘in-bound’ lead generation via digital/email marketing
  1. PEOs
  • Quick fitment decisions
  • Comparison between multiple programs (e.g., GC vs. LD)
  • Customizable underwriting rules
  • Instant price indications / pricing decisions
  • Enable all channels –in-house sales, external brokers, direct clients.
  • Seamless data transfer via APIs
  • Qualified ‘in-bound’ lead generation via digital/email marketing

4.   Information Collection

A.   What Information is Collected and Why?

We collect company’s information such as profile, location, payroll to generate a quote/show price indication. The types of information we collect include:

  • Contact Information (e.g., name, email address, phone number)
  • Company Information (e.g., company name, address, industry)
  • Financial Information (e.g., payroll data, revenue)
  • Usage Information (e.g., how you interact with our website and services)

B.   How Information is Used, Processed, and Stored?

The company’s information is used to generate a quote/show price indication and is stored in DynamoDB. Specifically, we use the information to:

  • Provide and maintain our services
  • Communicate with you about your account or transactions
  • Send you marketing communications
  • Improve our services and develop new ones
  • Conduct research and analysis
  • Ensure compliance with legal obligations

C.   Use of Cookies and Other Tracking Technologies

No cookies are directly used in the application. However, we have added a Google Analytics script to the application to help us understand how visitors use our site.

D.   Deletion of Information

We do not delete information upon completion. However, we can permanently delete the information upon request. To request deletion, please contact us at helpdesk@insurecomp.com

5.   Third-Party Access

         The following third parties use the information we collect:

  • Carrier Portal: We send company’s information such as profile, location, payroll to generate quotes.
  • Pibit (External AI, ML Tool): We send loss run documents to extract data.
  • AWS Textract: We send Acord forms to extract details.
  • Salesforce or Similar CRM Platform: We collect and use company’s data from Salesforce (with client permission) to generate quotes and update information back to Salesforce.
  • Hubspot: We collect company’s data (excluding payroll info) from Hubspot to generate quotes and update information back to Hubspot.
  • Google Analytics: Added Google Analytics script to the application.

6.   Communications

We may send sales and marketing-related email campaigns and transaction-related emails to clients. These communications may include:

  • Information about new products and services
  • Special offers and promotions
  • Updates about our company and services

7.   Security Measures

We employ the following security measures to protect data and prevent breaches of privacy:

  • API Authentication: Using AWS IAM signatures
  • Role-Based Access Control: Ensuring only authorized personnel can access certain information
  • Secure Password Policies: Via AWS Cognito for user management and login
  • Data Encryption: Amazon DynamoDB encryption at rest
  • SSL Certificates: Securing data in transit
  • Serverless Architecture: Hosted on AWS, with AWS managing server infrastructure
  • Backup Procedures: Manual backups with plans for point-in-time recovery

8.   Non-Disclosure of Information

From time to time, it may be necessary or advisable for us to release your information for legal purposes, such as in response to a request from a governmental agency or a private litigant. You agree that we may disclose your information to others if we believe, in good faith, that it is advisable to do so for the purposes of a civil action, criminal investigation, internal investigation, or other legal matter. If we receive a subpoena affecting your privacy, we may elect to notify you to give you an opportunity to file a motion to quash the subpoena, or we may attempt to quash it ourselves, but we are not obligated to do either. We may also release your information to others when we believe that it is prudent to do so, such as when we have a reasonable belief that you may have engaged in or been the victim of fraudulent or other illegal activities. By your first use of our websites, products, or services, you release us from any damages that may arise from or relate to the release of your information in response to a request from law enforcement agencies or private litigants.

9.   Policy Towards Children

Our websites, products, and services are not intended for the use of children under [Insert Age]. We do not knowingly collect personally identifiable information from children under [Insert Age]. If a parent or guardian becomes aware that a child has provided us with personally identifiable information, please contact us at helpdesk@insurecomp.com. If we become aware that a child under [Insert Age] has provided us with personally identifiable information, we will delete such information from our servers.

10. California Privacy Law

If you are a California resident, you may exercise the following rights with respect to personal information (as defined by the California Consumer Privacy Act of 2018 (CCPA)) that we collect as a business under California law:

Your Rights and Choices

The CCPA provides California residents with specific rights. This section describes those rights and explains how to exercise them.

  1. Right to Know and Access Personal Information You can request that a us to disclose to you:
    1. the categories and/or specific pieces of personal information they have collected about you,
    2. the categories of sources for that personal information,
    3. the purposes for which the business uses that information,
    4. the categories of third parties with whom the business discloses the information, and
    5. the categories of information that the business sells or discloses to third parties.
    6. Right to Request Deletion of Personal Information Subject to certain exceptions, you may submit a verifiable request that we delete the personal information about you that we collected from you.
    7. Verification Requests for access to or deletion of personal information are subject to our ability to reasonably verify your identity in light of the information requested and pursuant to relevant CCPA requirements, limitations, and regulations. To request access or deletion, you can email us at helpdesk@insurecomp.com , call us, or mail a letter with your name, mailing address, email address, phone number, and we will reach out to you. To verify your identity based on information previously provided to InsureComp we may request additional information.
    8. Right to Opt-Out of the Sale of Personal Information You have the right to opt-out of the sale of your personal information.
    9. Right to Equal Service and Price You have the right not to receive discriminatory treatment by InsureComp for the exercise of your CCPA privacy rights, subject to certain limitations.
    10. Submit Requests If you are a California resident and would like to exercise your rights under the CCPA, please send your request by email to helpdesk@insurecomp.com with “Your California Privacy Rights” in the subject field of your email, or send your request by mail to our address listed in the “How You Can Reach Us” section below.
    11. Authorizing an Agent If you are acting as an authorized agent to make a request to know, delete, or opt-out on behalf of a California resident, please send a message to the email in our “How You Can Reach Us” section and attach a written authorization signed by the resident.
    12. Do Not Track There is no accepted standard on how to respond to Do Not Track signals, and we do not respond to such signals.

The below table provides the categories of personal data we have sold, shared, or disclosed to third parties, as defined by the California Privacy Rights Act. We may also share all of the categories of your personal information described in the “What Information We Collect About You” section with third parties for various business purposes.

Category of Personal Information

Collected

Sold

Disclosed

Identifiers

 

 

 

Categories in the California Consumer Records Act

 

 

 

Protected classification characteristics under California or federal law

 

 

 

Commercial information

 

 

 

Biometric information

 

 

 

Internet or other electronic network activity

 

 

 

Geolocation data

 

 

 

Audio, electronic, visual, thermal, olfactory, or similar information

 

 

 

Professional or employment-related information

 

 

 

Non-public education information (per the Family Educational Rights and Privacy Act)

 

 

 

Inferences drawn from other personal information

 

 

 

11. Changes to This Privacy Policy

We may make changes to this Privacy Policy at any time to reflect updates to our Services, applicable laws, and other factors. We will notify you as outlined above when we materially change the ways in which we use or share personal information previously collected from you through our Services, but we encourage you to stay informed by reviewing this policy periodically.

12. How You Can Reach Us

If you would like to ask about, make a request relating to, or complain about how we process your personal information, you can contact us by email at helpdesk@insurecomp.com.

13. Contact Details

 

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