This statement covers the privacy and information sharing practices of the InsWeb Website (located at www.insweb.com), and InsWeb's subsidiary, InsWeb Insurance Services.

InsWeb is a licensee of the TRUSTe Privacy Programs. When you visit a Website displaying the TRUSTe Trustmark, expect to be notified regarding:

What personally identifiable information of yours is collected;
Who is collecting the information;
How the information will be used;
With whom the information may be shared;
What your choices are regarding collection, use and distribution of the information;
The security procedures in place to protect against the loss, misuse or alteration of information under InsWeb's control; and
How you can correct any inaccuracies in the information.

If you have questions regarding this statement, you can email our customer care department at privacy@insweb.com. If we have not responded to your inquiry regarding our privacy statement within five business days, or you're not satisfied with the answer you received, you can contact TRUSTe at http://www.truste.org/consumers/watchdog_complaint.php.

Questions and Answers about InsWeb's Privacy Policy

What types of information does InsWeb collect?

InsWeb collects both personal information (such as name, telephone number, and email address, etc.) and non-personal information (such as the number of visitors that log on to our Website, the pages they access, etc.). Included in personal information is sensitive information (such as personal health information).

How does InsWeb use my personal information?

InsWeb uses your personal information in the following ways:

Consumers. Personal information submitted through our quote forms will be used to (a) provide you with insurance quotes from our participating insurance provider(s); (b) send you surveys, InsWeb-branded marketing or promotional materials including emails or other information; (c) respond to your comments or requests for information; and (d) contact you about your quotes or other insurance needs.

Prospective Employees. Personal information submitted through Jobs@InsWeb.com will be used only for recruitment and future internal consideration. It will be accessible solely by persons responsible for recruitment for InsWeb.

Insurance Agents. Personal information submitted through InsWeb’s AgentInsider? lead generation program will be used by InsWeb to qualify certain insurance agents for InsWeb’s insurance lead bidding program. InsWeb may share a participating Captive Agent’s personal information with the Captive Agent’s parent company, or as permitted by this Privacy Statement and/or applicable law.

Prospective Business Partners. Personal information submitted through InsWeb’s online lead referral application will be used only by InsWeb to qualify prospective business affiliates for InsWeb’s lead referral program.

How does InsWeb use my non-personal information?

InsWeb uses site usage activities, aggregate statistical information and Web log information (such as your Web browser, operating system, pages visited, etc.) to statistically analyze site usage, improve our content and product offerings; and customize our sites’ content, layout and services.

With whom will my personal information be shared?

InsWeb may share your personal information with the following types of companies outside of InsWeb:

Third-Party Insurance Providers. InsWeb will share your personal information with our participating insurance providers.

Third-Party Fulfillment Providers. InsWeb may share your personal information with companies that perform fulfillment services on our behalf (such as data processing, research or email services). These companies do not use your information for any purposes other than this.

How can I opt-out from having my information shared with third-party companies?

You may tell us not to share information about you with companies outside of InsWeb by calling our toll-free number at (866) 697-9085. Please note that your choice will not affect sharing with 1) insurance providers from whom you have requested to be contacted; 2) companies performing services on our behalf; 3) government entities in response to subpoenas or regulatory requirements; and 4) as otherwise required by law.

How do InsWeb's participating Insurance Providers use my information?

We do not control the privacy practices of the participating Insurance Providers. However, all the Insurance Providers use the information you submit for one general purpose: to provide you with an accurate insurance quote. Insurance Providers use your personally identifiable information in combination with other information you submit about your insurance needs. However, rating criteria may be different for each participating Insurance Provider and each Insurance Provider may place different emphasis on particular aspects of your information.

How can I change my information?

At any point while shopping for quotes, you can use the tabs found across the top of the page to return to previous pages. To change the information displayed, type the new data in the form and click the Continue or Submit button found on the page. When you save your information to an InsWeb Account you can return any time you like to change the information. Simply log in on the site and you will have access to the personal information you entered. To change the information displayed, type the new data in the form and click the Continue or Submit button found on the page.

How do I access my information?

You can access your saved information at anytime by simply logging in from either the first page of the quote request form or from our home page. After you enter your user name and password, you can view the form containing the information you entered earlier.

After I request quotes at InsWeb, who will contact me?

Representatives of the companies participating in our program will contact you with information regarding your quotes, coverage, or insurance needs. For more information, refer to the privacy and information sharing practices of InsWeb Insurance Services below.

What about information for promotions?

InsWeb may offer contests, sweepstakes, and promotions. If you want to enter, you may be asked to supply certain personal information or consent to participate in these promotional events. Even if you have previously opted not to receive information or mailings about InsWeb, you may still receive information about InsWeb via these promotions if you choose to register for them. Rules and guidelines for each promotion will be clearly posted, as will notification about how the information gathered may be used.

Does InsWeb store my information?

Yes. All information submitted through our quote request forms is stored on our secured computer servers. For further information, see InsWeb’s Security Policy at http://www.insweb.com/internetsecurity.htm.

Does InsWeb allow me to correct the information?

Yes. You can change the information you provide to us at any time. Your right to review and correct information provided by third parties, such as credit reports, is subject to a variety of federal and state laws.

Does InsWeb send emails, and can I opt out?

Communications. When you provide your contact information to InsWeb, you will periodically receive communications from us. Our communications are usually delivered via email. Our customers generally find the information helpful. However, you can choose not to receive this information by:

Following the instructions in the email message you receive,
Sending an email to customercare@insweb.com or
Calling 1-866-697-9085.
Advertising. If you would like to unsubscribe from receiving email advertisements from InsWeb, you can either follow the instructions in the advertisement itself, or simply click here. Please note that it will take up to 10 days to process your request.

Refer-A-Friend. Our newsletter contains an opportunity for you to forward the newsletter to a friend(s). If you utilize this feature, all email addresses you enter (including your own) will be collected and processed by a third-party email vendor contracted by InsWeb solely to facilitate this service. The information collected by the third-party is used only by the third-party, and is never released to InsWeb. This information is used for no purposes other than this. The friends who are referred to InsWeb will be sent a one-time email only.

What do sites that have links from InsWeb do with my information?

Please be aware that Websites that have links on our site may collect personal information about you. When you click on one of these links, you are being transferred to another Website. In some instances, the website you are transferred to will be co-branded with the InsWeb mark. No personal information is shared with InsWeb and InsWeb does not share personal information with the co-branded site. We encourage you to carefully read the privacy policies of these linked sites (including any co-branded versions) as their privacy policies may differ from ours. This privacy statement does not cover the information practices of websites linked to the InsWeb site.

How does InsWeb obtain testimonials?

Testimonials also exist on our web site. Before we publicly place testimonials on the site, we receive expressed written consent from the individual to place not only his/her words, but also his/her name and hometown on the web site.

What is framing?

Framing is a term used to describe the way a web page is presented. When InsWeb presents you with a "framed" web page, you will see InsWeb's branding elements alongside the branding elements of the non-affiliated third party with which InsWeb has contracted to provide a particular insurance product, set of services and/or particular set of web pages. Although InsWeb does incorporate framing in order to provide you with more products and services, you will always be notified before leaving the InsWeb site. And while you may still see InsWeb's URL in the address line, the framed site and not InsWeb will collect all personally identifiable information you enter. We encourage you to read the privacy statement on a framed page carefully as this privacy statement may differ in substance from InsWeb's privacy statement.

How does InsWeb protect my information as it passes over the Internet?

With SSL, when you enter a request for quotes or provide personal information, your information is encrypted as it travels between your computer and our computer servers. To support this technology, you need an SSL-capable browser. We recommend using a strong encryption, 128-bit browser. Netscape Navigator 4.06 or higher and Microsoft's Internet Explorer 4.01 or higher are 128-bit browsers. You can tell when you are visiting a secure area in our site by looking at the symbol on the bottom of your browser screen. If you are using Netscape Navigator or Internet Explorer, you will see either a lock or a key. When the symbol appears unbroken or the padlock is in the locked position, your session connection is taking place via a secure server.
When you agree to send information, we transmit your information to our participating insurance providers. All personal information provided to InsWeb (including personal health and credit card information) is encrypted.

Does InsWeb use "cookies"?

Cookies are small text files saved on your computer's hard drive and stored in memory while your browser is running. InsWeb uses cookies to help make it easier for returning users to log in and complete one of our quote forms. While our use of cookies should make your online experience easier, it is our policy not to use cookies to track, collect, or store your personally identifiable information. If you feel uncomfortable accepting cookies, you can change your browser settings to prevent cookies from being saved to your hard drive.
InsWeb also contracts with certain partners that utilize ad-serving technology offered by various companies. To gauge the effectiveness of the advertisements, these companies may place a cookie on your computer when you view Web pages where these ads appear, or when you click on the ads. These third-party cookies enable the companies to recognize certain types of non-personally identifiable information, such as a visitor's IP address, browser version type, operating system, Internet service provider, and time zone. The collection of this aggregated user information helps our partners improve the effectiveness of InsWeb's advertising by delivering ads that they believe will be of most interest to you, and minimize the repetition of ads you see. Although the information collected using these cookies does not directly recognize your personally identifiable information, these third parties may be able to associate the cookie information with your personally identifiable information if you registered for a product or service on their site. We encourage you to carefully read the privacy policies of these third party sites as their privacy policies may differ from ours.

Does InsWeb use Web beacons?

Some pages on our Site, as well as pages where our banner ads appear, and certain emails we send, may contain electronic images known as Web beacons, or single-pixel GIFs. These Web beacons collect certain types of non-personally identifiable information, such as a visitor's cookie number, time and date of a page view, and a description of the page where the Web beacon is placed. Our partners use Web beacons to compile aggregated statistics that help us improve the effectiveness of our advertising and make our Site easier to use. The information collected using these Web beacons does not identify individual users of our Site.

Does InsWeb log my movements?

InsWeb logs both consumer movements through our site and consumer search requests. This data is used to analyze trends, gather demographic information for aggregate use, and help administer the site. We do not use these technologies to capture or share your individual email address or any personally identifying information about you.
Each time you visit our site, we may detect the type of operating system, Internet browser, and email client you use (program for accessing emails). This allows us to notify you of potential problems with our applications and certain operating system Internet browser combinations. Determining the email client in use lets us send communications that are compatible with your system.

Does InsWeb collect information from children under the age of 13?

InsWeb does not knowingly solicit data from children, and we do not knowingly market to children.

Questions and Answers about the Privacy Statement of InsWeb Insurance Services.

What are the privacy and information sharing practices of InsWeb Insurance Services?

When you submit your information to receive a quote on the InsWeb Website, your information may be sent to our subsidiary, InsWeb Insurance Services. This company, which is part of the InsWeb family, is authorized to represent certain insurance carriers you may select on the InsWeb quote form. After receiving your submitted information, a representative from InsWeb Insurance Services (on behalf of the carrier you select) will contact you about your quote. The representative will obtain additional information from you (including, with your permission, any consumer reports needed to process your application). After obtaining the required information, the representative will send your information directly to the carrier you selected for additional underwriting and approval.
InsWeb Insurance Services shall adhere to the same substantive privacy practices governing the InsWeb Website, and will only disclose your information to the carrier you have selected. In some instances, we will disclose your personal information to a trusted third party service provider only to help fulfill your request of an insurance product. InsWeb Insurance Services may contact you about your policy and/or insurance needs.

How does InsWeb Insurance Services protect my personal information?

With the use of Secure Sockets Layer (SSL) protocol and state-of-the-art Public Key Infrastructure (PKI) technology, InsWeb Insurance Services ensures that your personal information is safe and secure. For more information, please see our Security Statement.
Electronic Signatures

InsWeb may provide notices or statements electronically ("Electronic Record"). Consumer may request a paper copy of the Electronic Record by writing to InsWeb at the following address: InsWeb Corporation Attention: Legal Department, 11290 Pyrites Way, Suite 200, Gold River, CA 95670. All electronic communications that meet the requirements set forth herein will be deemed to be valid and authentic, and consumer agrees that such electronic communications will be given the same legal affect as written and signed paper communications. Furthermore, consumer acknowledges and agrees that consumer will not contest the validity of the original or copies, absent proof of altered data, or tampering.
Changes to Our Privacy Statement

InsWeb and its subsidiary, InsWeb Insurance Services, may make significant changes to its privacy statement affecting the use of the personal information collected. We will notify you by email of any relevant changes. However, if you have opted out of all communication with the site, or deleted/deactivated your account, then you will not be contacted, nor will your personal information be used in this new manner. When we notify you, you will be able to opt out of this information usage by sending a message to the following email: customercare@insweb.com. You should also check this posted privacy statement for changes.