Rub the Loan Genie values your privacy
What personal data we collect and why we collect it
When visitors leave comments on the site we collect the data shown in the comments form, and also the visitor’s IP address and browser user agent string to help spam detection.
User Submitted Data
User Submitted Data is information that identifies you as an individual, such as your name, postal address, email address, home and/or wireless telephone numbers.
Upon completion of a quote and initiation of a call from Insurify.com website, your information will be accessed by a dedicated agent for the carrier quote you have selected. The agent will use that information to complete/ revise your quote, provide advice on your coverage and bind your policy over the phone.
Insurify may use User Submitted Data for several purposes including:
- to respond to your questions.
- to send you information about our Company.
- to send you important information regarding the Site, changes to our terms, conditions, and policies and/or other administrative information.
- to personalize your experience on the Site.
- to improve the user experience on the Site, such as enhancing our website, identifying usage trends, determining the effectiveness of our promotional campaigns, and tailoring the Site experience and content based on your past activities on the Site.
We also may disclose User Submitted Data as we believe to be necessary or appropriate: (a) under applicable law, including laws outside your country of residence; (b) to comply with legal process; (c) to respond to requests from public and government authorities including public and government authorities outside your country of residence; (d) to enforce our terms and conditions; (e) to protect our operations or those of any of our affiliates; (f) to protect our rights, privacy, safety or property.
User Submitted Data you provide through the Site may be combined with other information you provide to us (via online or offline means), with demographic information and other information that is publicly available, or with other information about you that we may otherwise obtain online or offline.
We may disclose User Submitted Data:
- to carriers and insurance agency partners we work with for the purposes of providing a quote.
- to our third party service providers who provide services such as website hosting, data analysis, infrastructure provision, IT services, customer service, email delivery services, auditing services and other similar services to enable them to provide services.
- to a third party in the event of any reorganization, merger, sale, joint venture, assignment, transfer or other disposition of all or any portion of our business, assets or stock (including in connection with any bankruptcy or similar proceedings).
Browser Derived Data
Browser Derived Data is information not submitted by you but that is instead provided by your access and use of the internet and an internet browser to connect to the Site, such as: browser specific information, server log file information, information collected through cookies, pixel tags and other technologies, and location information. We receive Browser Derived Data by your access to the Site including in the following manner:
Certain information is collected by most internet browsers, such as MAC address, type of computer, operating system details, browser software details, screen resolution, and whether it is a mobile device.
Your “IP Address” is a number that is automatically assigned to the computer or device that you are using by your ISP. An IP Address is identified and logged automatically in our server log files whenever a user visits the Site, along with the time of the visit and the page(s) that were visited. Collecting IP Addresses is standard practice on the Internet and is done automatically by many websites. We use IP Addresses for purposes such as calculating usage levels of the Site, helping diagnose server problems, and administering the Site.
We may use applications, including mobile applications or widgets, to collect information from you.
Pixel tags, web beacons, clear GIFs or other similar technologies: These may be used in connection with the Site and HTML-formatted email messages to, among other things, track the actions of the Site’s users and email recipients, measure the success of our marketing campaigns and compile statistics about the Site’s usage and response rates. We may use Browser Derived Data and other data, which does not identify you personally for any purpose, except where we are required to do otherwise under applicable law. In some instances, we may combine Browser Derived Data with User Submitted Data (such as combining your name with your geographical location). If we combine any Browser Derived Data with User Submitted Data, the combined information will be treated by us as User Submitted Data Information as long as it is combined. We also may disclose Browser Derived Data as we believe to be necessary or appropriate: (a) under applicable law, including laws outside your country of residence; (b) to comply with legal process; (c) to respond to requests from public and government authorities including public and government authorities outside your country of residence; (d) to enforce our terms and conditions; (e) to protect our operations or those of any of our affiliates; (f) to protect our rights, privacy, safety or property, and/or that of our affiliates, you or others; and (g) to allow us to pursue available remedies or limit the damages that we may sustain.
If you upload images to the website, you should avoid uploading images with embedded location data (EXIF GPS) included. Visitors to the website can download and extract any location data from images on the website.
If you leave a comment on our site you may opt-in to saving your name, email address and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year.
If you visit our login page, we will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser.
When you log in, we will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year. If you select “Remember Me”, your login will persist for two weeks. If you log out of your account, the login cookies will be removed.
If you edit or publish an article, an additional cookie will be saved in your browser. This cookie includes no personal data and simply indicates the post ID of the article you just edited. It expires after 1 day.
Embedded content from other websites
Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.
We use reasonable organizational, technical and administrative measures to protect User Submitted Data under our control.
Sensitive Personal Data
We ask that you not send or disclose to Insurify any sensitive personal information about yourself and your identity. We do not collect on the Site for any purpose nor have any need for your social security number, bank account information, credit card information, race, religion, national original, work history, political participation, health information, criminal background, or similar information. If you do business with Insurify separate from your access to the Site you may be asked for such information (for example, in connection with an employment application) but such information should only be submitted directly to the employee making such request related to a proper business purpose and not submitted by the Site.
How long we retain your data
If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognize and approve any follow-up comments automatically instead of holding them in a moderation queue.
For users that register on our website (if any), we also store the personal information they provide in their user profile. All users can see, edit, or delete their personal information at any time (except they cannot change their username). Website administrators can also see and edit that information.
What rights you have over your data
If you have an account on this site, or have left comments, you can request to receive an exported file of the personal data we hold about you, including any data you have provided to us. You can also request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal, or security purposes.
Where we send your data
Visitor comments may be checked through an automated spam detection service.
9709274 Canada Inc