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PRIVACY POLICY



BIN Insurance Holdings, LLC, Insureon and Insureon ("Company," "we," "us" or
"our") respect your privacy and are committed to protecting it through our
compliance with the Privacy Policy.

This Policy describes the type of information we may collect from you or that
you may provide when you visit the websites www.insureon.com and
www.techinsurance.com (collectively, the "Website") and our practices for
collecting, using, maintaining, protecting, and disclosing that information.

This policy applies to information we may collect:

 * On this Website.
 * In email, text, and other electronic messages between you and this Website.
 * Through mobile and desktop applications you download from this Website, which
   provides dedicated non-browser-based interaction between you and this
   Website.
 * When you interact with our advertising and applications on third-party
   websites and services, if those applications or advertising include links to
   this policy.
 * And any other sources.

We make the Insureon Accelerate Software-as-a-Service product available at
www.insureonaccelerate.com to insurance agencies who enter into an agreement
with us for the use of such product (the “Accelerate Platform”). Such insurance
agencies are solely responsible for making the Accelerate Platform available to
their customers shopping for small business insurance. Only Section 13 of this
Policy applies to the use of the Accelerate Platform.

Please read this policy carefully to understand our policies and practices
regarding your information and how we will treat it. If you do not agree with
our policies and practices, your choice is not to use our Website. By accessing
or using this Website, you agree to this Privacy Policy. This policy may change
from time to time. Your continued use of this Website after we make changes is
deemed to be acceptance of those changes, so please check the policy
periodically for updates.

Our Website is not intended for visitors who are under eighteen (18) years of
age. No one under age eighteen (18) may provide any information to or on the
Website. We do not knowingly collect personal information from children under
eighteen (18). If you are under eighteen (18), do not use or provide any
information on this Website or through any of its features, register on the
Website, or provide any information about yourself to us, including your name,
address, telephone number, email address, or any screen name or user name you
may use.


1. INFORMATION WE COLLECT ABOUT YOU AND HOW WE COLLECT IT

We collect several types of information from and about users of our Website,
including information:

 * That may allow you to be personally identified, such as name, postal address,
   email address, telephone number, and social security number ("personal
   information");
 * Relates to your business, such as the number of employees that work at your
   company, your company's average income, and your company's Federal Employer
   ID Number (FEIN);
 * Payment account information, such as your credit card number, security code,
   and expiration date, your bank routing number and bank account number, if you
   elect to purchase products or services (the "Service") through the Website;
 * That is about you but individually does not identify you, such as
   automatically recorded times and dates of visit to the Website; and/or
 * About your internet connection, the equipment you use to access our Website,
   and usage details.

We collect this information:

 * Directly from you when you provide it to us when you access or use the
   Service, use the "chat" feature to communicate with one of our service
   representatives, submit a request for an insurance quote or application for
   insurance, or otherwise submit a request for information about the products
   or services that we offer; 
 * Automatically as you navigate through the site. Information collected
   automatically may include usage details, unique IDs, IP addresses, and
   information collected through cookies, web beacons, and other tracking
   technologies; and
 * From third parties, for example, our business partners.


2. INFORMATION WE COLLECT THROUGH AUTOMATIC DATA COLLECTION TECHNIQUES

As you navigate through and interact with our Website, we may use automatic data
collection technologies to collect certain information about your equipment,
browsing actions, and patterns, including:

 * Details of your visits to our Website, including the pages you visit within
   the Website, the date and time of your visit, the amount of time you spend
   using the Website, location data, logs, and other communication data and the
   resources that you access and use on the Website.
 * Information about your computer and internet connection, including your IP
   address, operating system, and browser type.

We also may use these technologies to collect information about your online
activities over time and across third-party websites or other online services
(behavioral tracking). Click here for information on how you can opt out of
behavioral tracking on this website and how we respond to web browser signals
and other mechanisms that enable consumers to exercise choice about behavioral
tracking.

The information we collect automatically is only statistical data and does not
include personal information, but we may maintain it or associate it with
personal information we collect in other ways or receive from third parties. It
helps us to improve our Website and to deliver a better and more personalized
service, including by enabling us to:

 * Estimate our audience size and usage patterns.
 * Store information about your preferences, allowing us to customize our
   Website according to your individual interests.
 * Speed up your searches.
 * Recognize you when you return to our Website.

The technologies we use for this automatic data collection may include:

 * Cookies (or browser cookies). A cookie is a small file placed on the hard
   drive of your computer. You may refuse to accept browser cookies by
   activating the appropriate setting on your browser. However, if you select
   this setting you may be unable to access certain parts of our Website. Unless
   you have adjusted your browser setting so that it will refuse cookies, our
   system will issue cookies when you direct your browser to our Website.

 * Web beacons. Pages of the Website and our e-mails may contain small
   electronic files known as web beacons (also referred to as clear gifs, pixel
   tags, and single-pixel gifs) that permit the Company, for example, to count
   users who have visited those pages or opened an email and for other related
   website statistics (for example, recording the popularity of certain website
   content and verifying system and server integrity).


3. THIRD-PARTY USE OF COOKIES AND OTHER TRACKING TECHNOLOGIES

Some content or applications, including advertisements, on the Website are
served by third parties, including advertisers, ad networks and servers, content
providers, and application providers. These third parties may use cookies alone
or in conjunction with web beacons or other tracking technologies to collect
information about you when you use our Website. The information they collect may
be associated with your personal information or they may collect information,
including personal information, about your online activities over time and
across different websites and other online services. They may use this
information to provide you with interest-based (behavioral) advertising or other
targeted content.

We do not control these third parties' tracking technologies or how they may be
used. If you have any questions about an advertisement or other targeted
content, you should contact the responsible provider directly. For information
about how you can opt out of receiving targeted advertising from many providers,
see "Choices about how we use and disclose your information".


4. HOW WE USE YOUR INFORMATION

We use information that we collect about you or that you provide to us,
including any personal information:

 * To fulfill or meet the reason you provided the information. For example, if
   you share your name and contact information to request a price quote or ask a
   question about our products or services, we will use that personal
   information to respond to your inquiry. If you provide your personal
   information to purchase a product or service, we will use that information to
   process your payment and facilitate delivery. We may also save your
   information to facilitate new product orders or process returns.
 * To create, maintain, customize, and secure your account with us.
 * To tell you about our service updates.
 * To process your requests, purchases, transactions, and payments and prevent
   transactional fraud.
 * To provide you with support and to respond to your inquiries, including to
   investigate and address your concerns and monitor and improve our responses.
 * To personalize your Website experience and to deliver content and product and
   service offerings relevant to your interests, including targeted offers and
   ads through our Website, third-party sites, and via email or text message
   (with your consent, where required by law).
 * To notify you about changes to our Website or any products or services we
   offer or provide though it.
 * To help maintain the safety, security, and integrity of our Website, products
   and services, databases and other technology assets, and business.
 * For testing, research, analysis, and product development, including to
   develop and improve our Website, products, and services.
 * To fulfill any other purpose for which you provide it.
 * To carry out our obligations and enforce our rights arising from any
   contracts entered into between you and us, including for billing and
   collection.
 * To respond to law enforcement requests and as required by applicable law,
   court order, or governmental regulations.
 * To resolve disputes, troubleshoot problems and respond to your customer
   service inquiries; prevent, detect, and investigate potentially prohibited or
   illegal activities, and enforce the Terms of Use.
 * To keep a record of our transactions and communications with you; and provide
   you with other services requested by you as described when we collect the
   information.
 * In combination with the information of other users so that we can generally
   assess users' preferences or to otherwise improve the service.
 * In any other way we may describe when you provide the information.
 * For any other purpose with your consent.


5. HOW WE DISCLOSE YOUR INFORMATION

We may sell your information to third parties after obtaining your consent. We
may also exchange your information with third-party partners without first
obtaining your express consent. We may also share your information with the
following third parties:

 * To fulfill the purpose for which you provide it: If you request an insurance
   quote through the Service, or otherwise use the Service to purchase insurance
   coverage, we may share the information you provide through the Service with
   insurance companies. We will only share your information with insurance
   companies as necessary to provide you with the products or services you have
   requested through the Service. If you elect to proceed with purchasing
   insurance from a particular insurance company, that insurance company may
   seek additional information about you, including by contacting you directly
   by email, postal mail or telephone or running a credit check on you. We will
   obtain your prior consent if an insurance company intends to conduct a credit
   check on you. Insurance companies are only permitted to contact you directly
   in order to provide you with the products or services you have requested
   through the Service.
 * Third-party marketing partners: We may, from time to time, share your name,
   email address and postal mailing address with a few carefully selected
   third-party marketing partners that we believe offer products or services
   that may be of interest to you. We contractually require these third parties
   to keep personal information confidential and use it only for the purposes
   for which we disclose it to them.
 * Our service providers: We may share your information with contractors,
   service providers, and other third parties who provide certain services to us
   or on our behalf, such as operating and supporting the Service. These service
   providers will only have access to the information needed to perform these
   limited functions on our behalf and are required to provide your information
   with at least the same level of protection and security as we use with regard
   to your information and use your information only for the purposes for which
   we disclose it to them.
 * Our affiliates: We may share some or all of your information with our
   subsidiaries and corporate affiliates, joint ventures, or other companies
   under common control with us. We will require these entities to comply with
   the terms of this Privacy Policy with regard to their use of your
   information.
 * Companies that acquire our business or assets: If our company or our assets
   are acquired by, transferred to or merged with another company, whether as a
   going concern or as part of bankruptcy, liquidation, or similar proceeding,
   that company may acquire the information about you collected by us. We will
   require the applicable company to assume the rights and obligations that are
   applicable to your information at the time of the acquisition, transfer or
   merger.
 * For any other purpose disclosed by us when you provide the information
 * With your consent.

We may also disclose your personal information:

 * To comply with any court order, law, or legal process, including to respond
   to any government or regulatory request.
 * To enforce or apply our Terms of Use and other agreements, including for
   billing and collection purposes.
 * If we believe disclosure is necessary or appropriate to protect the right,
   property, or safety of us, our customers, or others. This may include
   exchanging information with other companies and organizations for the
   purposes of fraud protection and credit risk protection.




6. CHOICES ABOUT HOW WE USE AND DISCLOSE YOUR INFORMATION

We strive to provide you with choices regarding the personal information you
provide to us. We have created mechanisms to provide you with the following
control over your information:

 * Tracking technologies and advertising. You can set your browser to refuse all
   or some browser cookies, or to alert you when cookies are being sent. To
   learn how you can manage your Flash cookie settings, visit the Flash player
   settings page on Adobe’s website. If you disable or refuse cookies, please
   note that some parts of this site may then be inaccessible or not function
   properly.

 * Disclosure of your information for third-party advertising. If you do not
   want us to share your personal information with unaffiliated or non-agent
   third parties for promotional purposes, you may opt out by emailing us at
   info@insureon.com or calling us at (800) 688-1984.

 * Promotional offers from the Company. If you do not wish to have your contact
   information used by the Company to promote our own or third parties' products
   or services, you can opt-out by either following the link provided in the
   applicable email communication or contacting us at info@insureon.com.

We do not control third parties' collection or use of your information to serve
interest-based advertising. However, these third parties may provide you with
ways to choose not to have your information collected or used in this way. You
can opt out of receiving targeted ads from members of the Network Advertising
Initiative ("NAI") on the NAI's website.

California residents may have additional personal information rights and
choices. Please see your California Privacy Rights for more information.

Nevada residents who wish to exercise their sale opt-out rights under Nevada
Revised Statutes Chapter 603A may submit a request to this designated address:
info@insureon.com or by telephone at (800) 688-1984.


7. HOW TO ACCESS OR CORRECT YOUR INFORMATION 

If you create an account through the Service, you can access, review and change
the information that you provide through the account profile page. You may also
send us an email at info@insureon.com or call us at (800) 688-1984 to request
access to, correct or delete any personal information that you have provided to
us. We cannot delete your personal information except by also deleting your user
account. We may not accommodate a request to change information if we believe
the change would violate any law or legal requirement or cause the information
to be incorrect. California residents may have additional personal information
rights and choices. Please see your California Privacy Rights for more
information.


8. YOUR CALIFORNIA PRIVACY RIGHTS

If you are a California resident, California law may provide you with additional
rights regarding our use of your personal information. 

To exercise the right to opt-out, you (or your authorized representative) may
submit a request to us by filling out this form.


9. USE OF INFORMATION OUTSIDE YOUR COUNTRY OF RESIDENCE

The Service is directed to users located in those states in the United States in
which the Company or any of its affiliates are licensed insurance agents or
brokers. The Service is not intended as a solicitation for insurance in any
state where the Company or any of its affiliates are not licensed. If you are
located outside of the United States and choose to use the Service or provide
your information to us, your information will be transferred, processed and
stored in the United States. U.S. privacy laws may not be as protective as those
in your jurisdiction. Your agreement to the terms of this Privacy Policy
followed by your submission of information represents your agreement to this
practice. If you do not want your information transferred to or processed or
stored in the United States, you should not use the Service.


10. OUR SECURITY PROCEDURES

We have implemented technical and administrative security measures to protect
your personal information from accidental loss and from unauthorized access,
use, alteration, and disclosure. To guard against unauthorized disclosure of
your information, information that is passed between your browser and us is
encrypted with the Secure Sockets Layer (SSL) system. We also use
industry-standard practices such as encrypted storage, firewalls and password
protection systems to safeguard the confidentiality of your information. Each of
our employees who has access to your information is aware of our security
policies, and your information is only available to those employees who need it
to perform their jobs.

The safety and security of your information also depends on you. Where we have
given you (or where you have chosen) a password for access to certain parts of
our Website, you are responsible for keeping this password confidential. We ask
you not to share your password with anyone.

Unfortunately, the transmission of information via the internet is not
completely secure. Although we do our best to protect your personal information,
we cannot guarantee the absolute security of your information. Any transmission
of personal information is at your own risk. We assume no responsibility or
liability if any information relating to you is intercepted and/or used by an
unintended recipient.


11. HOW WE RETAIN YOUR INFORMATION 

We retain information for active accounts as long as it is necessary and
relevant for our operations. In addition, we may retain information from closed
accounts to comply with the law, prevent fraud, collect any fees owed, resolve
disputes, troubleshoot problems, assist with any investigation, enforce the
Terms of Use and take other actions permitted by law. The information we retain
about you will be handled in accordance with this Privacy Policy.


12. HOW WE NOTIFY YOU OF CHANGES TO OUR POLICY

It is our policy to post any changes we make to our privacy policy on this page.
We will notify you of material changes to this Privacy Policy by posting the
amended terms on the Site at least thirty (30) days before the effective date of
the changes. You may cancel your account prior to the end of the applicable
thirty (30) day period by contacting us using the contact information in Section
13 below. If you choose to cancel your account within this thirty (30) day
period, you will not be bound by the policy. The date the Privacy Policy was
last revised is identified at the bottom of the page. You are responsible for
periodically visiting our Website and this Privacy Policy to check for any
changes.


13. PRACTICES RELATED TO PLATFORM

This section of our Policy describes how we handle information that you provide
to us as an employee, agent, or representative of an entity that uses the
Accelerate Platform (a “Platform Customer”). The other sections of this Policy
do not apply to such information, except as provided below. Note that we do not
control how Platform Customers use personal information that they access from
the Accelerate Platform or that you provide to them.

Information that Platform Customers provide. We will collect your name, contact
information, and information associated with your Platform Customer account.

How we use this information. We use information that you provide to deliver
services to the Platform Customer that you represent, e.g., gathering price
quotes from insurance carriers on the Customer’s behalf. We also may aggregate
information about the use of the Accelerate Platform to provide statistical
information to Platform Customers. We do not sell this information.

How we share information from Platform Customers. We may share the information
that you provide with:

 * Our service providers, to help us to provide Accelerate Platform services;
 * Your employer in its capacity as a Platform Customer, to the extent required
   to fulfill our contractual obligations;
 * Courts, regulators, enforcement authorities, and other third parties in
   response to lawful demands or in the context of legal proceedings.

Data Security. The security measures described in section 10 of this Policy
apply to the information that we collect under this section 13.


14. HOW YOU CAN CONTACT US

If you have any questions about this Privacy Policy, you may contact us by email
at info@insureon.com or by telephone at (800) 688-1984.

Last modified: 12/23/20

Call (800) 688-19848 a.m. - 5:30 p.m. CT, Monday - Friday
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statement
© 2022 Insureon, a BIN Insurance Holdings Agency. ALL RIGHTS RESERVED. (CA
license #0G11129)

The information provided on this website does not constitute insurance advice.
All content and materials are for general informational purposes only. Complete
Insureon's online application and contact one of our licensed insurance
professionals to obtain advice for your specific business insurance needs.



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