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PRIVACY POLICY




This Privacy Policy was last modified on: June 8, 2022




1. INTRODUCTION



Data privacy is very important to Next. This Privacy Policy (“Privacy Policy”)
details how we collect, share, and otherwise process information relating to
individuals on our Website and mobile application (our “Services”), as well as
when you call or otherwise interact with us.  This Privacy Policy also lets you
know about your privacy rights and options you may have regarding our processing
of Personal Information.



References to “you” mean any person submitting any data, personal or otherwise,
on this Website.



This Privacy Policy applies to Next Insurance, Inc., a Delaware Corporation,
which does business as Next Online Insurance Services in California, Michigan,
Minnesota, North Carolina, and Texas and as Next Insurance Services in New York,
North Dakota, and Virginia, as well as to our subsidiaries including Next
Insurance US Company, Next First Insurance Agency, Inc., Next Claims Management,
Inc., and AP Intego Insurance Group, LLC. (collectively, “Next,” “we,” or “us”).



This Privacy Policy is additional to and does not supplant or supersede our
Terms of Service, which can be found at
https://www.nextinsurance.com/terms-of-service/.



Please read this Privacy Policy carefully.  If any term in this Privacy Policy
is unacceptable to you, please do not use the Website or provide us with any
Personal Information.




2. WHAT IS PERSONAL INFORMATION?



Personal Information is generally information that identifies, relates to,
describes, is reasonably capable of being associated with, or could reasonably
be linked, directly or indirectly, with a particular person (for example, name,
address, telephone number, Social Security number, and driver’s license number.)




3. COLLECTION OF YOUR INFORMATION



(a) Information you provide directly to us.



Next may collect information about you in order to underwrite, sell, solicit,
and negotiate insurance products and services. This may include the following
information, not all of which is necessarily Personal Information under
applicable privacy laws:



 * Your first and last name; phone number (both work and personal); home
   address; employment address; email address (both work and personal); date of
   birth; gender; any online profile you may have, including your Facebook,
   LinkedIn, or Google+ accounts; the last four digits of your social security
   number, marital status, financial data, educational background, and
   employment history.
 * Information pertaining to your employment or business, including your
   business name (both its legal name and your “DBA” name); business ownership
   structure; length of time in business; the type of work you do; the number of
   employees or contractors you employ; the types of work your subcontractors
   do; type of work your employees do; estimated payroll (overall business and
   per employee); the time of day your employees work; employee names; business
   owners’ and officers’ names (state/location, name, date of birth, title,
   ownership percentage, duties, class code, payroll); location of workers and
   employees; concentration of employees and group transportation; employee
   turnover; employee activities with higher risks, background checks, safety,
   and hiring; FEIN and other state unemployment identifications and/or tax
   identifications; employee age(s); whether employees are seasonal or
   volunteers; the types of employees you hire; whether you lease or lease out
   employees; your company’s business and other business revenue metrics; the
   insurance status for workers and subcontractors; the reasons why you may, if
   applicable, be looking for insurance compensation; and other information
   required for underwriting decisions.  If the information you provide includes
   Personal Information of individuals (including your employees), you represent
   that you have provided notice to that third party and have obtained his or
   her consent, per Section 3(c), below.
 * The amount of time you have worked in your industry.
 * The number of vehicles you have, your vehicle identification number(s) (VIN),
   the address where the vehicle is registered (with the DMV), the address where
   the vehicle is parked overnight, the name of the vehicle’s registered owner,
   the ownership status of the vehicle (i.e., leased, financed, owned), the name
   of the leaseholder (if applicable), the primary use of the vehicle and annual
   miles driven, the year you were first licensed in the United States, any
   previous auto accidents and/or incidents, your driver’s license number.
 * Information related to any prior insurance information or prior insurance
   claims.
 * Information related to whether you are licensed to do certain types of work.
 * Account history and data that you voluntarily provide us when you create a
   Next account.
 * Any information you submit to us when/if you get in touch with our customer
   service team via contact form at Next, email, chat, phone, or other means.
 * Information associated with your social media or other online account, such
   as your public profile and email address connected to those accounts, when
   you access our Website through such an account (such as by clicking on our
   advertisement through your social media account).  Your activity on social
   media platforms or other online accounts are governed by the privacy policies
   of those other companies. These companies will be able to tell you more about
   how they use and process your data.
 * Any information you submit when writing a review about the products you have
   purchased.  Please note that submitting an online review of a product is
   public and generally accessible to, and may be collected and used by, third
   parties.  Next cannot control, and is not responsible for, any collection or
   distribution by third parties of Personal Information that is published on a
   public forum.
 * Your activity on our Website, such as page views, order information, or
   information provided when requesting insurance quotes or surveys.
 * Information collected using automated technologies, including web server logs
   that compile IP addresses, web beacons, and cookies.
 *  Criminal background of business owners; credit score; history of bankruptcy,
   tax, or credit liens; history of lawsuits related to poor workmanship,
   construction defects, water intrusion, or mold/fungi; and information
   relating to insurance or employee benefit programs.
 * Information online when you visit our Website or access our Services from
   your computer or other device, or interact with us on or through social
   media.
 * Any other information you voluntarily provide us.



You must only submit to us or the Website information and Personal Information,
which is accurate and not misleading, and you must keep it up to date and inform
us of any relevant changes via the contact information below.



For any Personal Information you provide in order to obtain any of our Services,
we may collect or verify the same or similar information from our affiliates and
other third parties, such as employers, insurers, brokers or agents, credit
agencies, departments of motor vehicle and driver licensing, financial
institutions, healthcare providers, and other sources.



(b) Personal Information we collect automatically



When you visit our Website, we may automatically collect certain information,
which may also be categorized as Personal Information.  This includes your IP
address, the date and time you accessed our When you visit our Website or use
our mobile application, we may automatically collect certain information,
including your IP address, the date and time you accessed our Services, the
hardware, software or internet browser you use and information about your mobile
device or computer’s operating system.  We might also collect information about
clicks, which pages you have been browsing, and any information you have
provided us in connection with shopping for or configuring insurance quotes.
Depending on applicable privacy law, this information may be considered Personal
Information.



(c) Personal Information you provide about other individuals



If you provide Personal Information about other individuals, such as your
employees or dependents, you must first obtain their consent.  By providing us
with Personal Information of a third party, you hereby represent that you have
provided notice to that third party and have obtained his or her consent.  You
must provide only accurate information, and refrain from providing information
that is not necessary or requested.



When you provide us with personal and other information, you consent to our
collection, use, storage, and disclosure of this information to appropriate
third parties for the purposes described herein including our Cookies Policy
(below).



(d) Public Forums



In providing you with an insurance quote, Next may search across various public
Internet sources about you or your company.




4. HOW WE USE YOUR PERSONAL INFORMATION



Next collects information related to you, including Personal Information, for a
variety of purposes, as described below (collectively. “Purposes”).  This may
include to:



 * Underwrite, sell, solicit, and negotiate insurance products and services.
 * Process your order.
 * Contact you regarding your account, your orders, upcoming and/or failed
   payments, renewals, and endorsements, or for any other important reason
   concerning your transactions with Next.
 * Provide you with a requested quote or offer goods and services of a
   third-party vendor.  When you submit contact information to us as part of an
   attempted or completed request for a quote or offer for goods and services,
   you consent to receive telephone calls, emails, text messages, mailers, or
   other similar communications in connection with these goods and services.
 * Contact you with relation to our Services and products or services offered
   through our Services if you expressly provide us with your contact
   information in connection with our Services or the products or services
   offered through our Services.
 * Provide you with information and/or services you request.
 * Determine eligibility and process applications for products and services.
 * Inform you regarding products and services we may offer.
 * Communicate, service, and bill accounts or clients.
 * Inform the research and development of new products and services.
 * Analyze claims data or other data to (i) respond to your questions or provide
   you information that you request; (ii) provide you with products, services,
   or subscriptions that you select, including associated benefits; (iii) carry
   out our obligations and enforce our rights arising from any contracts entered
   between you and us, including for billing and collection; (iv) present our
   Website and its contents to you; (v) help dynamically generate content on web
   pages or in newsletters; (vi) store information about your preferences, so we
   can better personalize your content; and (vii) conduct other commercial
   purchases, including advertising and product development.
 * Obtain and update insurance or credit information with appropriate third
   parties, such as credit reporting agencies.
 * Monitor and administer accounts and the services thereto.
 * Conduct employee and other training.
 * Perform market analysis, analytics, advertising and marketing of products and
   services to you, or to facilitate advertising and marketing.
 * Fulfill contractual obligations.
 * Comply with or satisfy a legal or regulatory requirement.
 * Fulfill any additional commercial purposes, provided that it is within the
   applicable law(s).




5. WITH WHOM DO WE SHARE YOUR PERSONAL INFORMATION



Next may disclose your information, including Personal Information, as follows:



 * To insurers, reinsurers, insurance intermediaries, brokers, underwriters,
   insurance reference bureaus, medical service providers, fraud detection
   agencies, our advisers, loss adjusters, lawyers, accountants, and others
   involved in the claims handling process (“Disclosure”).  Additionally, to
   guaranty funds or agencies, applicable rating agencies of the financial
   institution, persons assessing our compliance with industry standards, and
   our attorneys, accountants, and auditors.
 * To third parties who assist us in operating our Website, conducting our
   business, or servicing you, including marketing and advertising.
 * As permitted by law, to third party insurance rate advisory organizations and
   other organizations who compile commercial databases of insurance and
   financial information which may include premium and loss data, vehicle
   history, name, address, ownership structure, liens, judgements, and payment
   history.
 * To comply with the law, enforce our Website policies, or protect our or
   others’ rights, property, or safety.
 * If we are required to do so or have the good faith belief that such action is
   necessary to conform to the edicts of the law or comply with legal process or
   request served on Next.
 * When necessary or appropriate to prevent physical harm or financial loss, in
   connection with an investigation of suspected or actual illegal activity.
 * As required for company audits or to investigate a complaint or security
   threat.
 * 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)
 * To enforce or apply our Website policies and/or other agreements, including
   for billing and payment collection purposes, or to protect the rights,
   property, or safety of Next or our customers, or others.  This may include an
   exchange of information, including your Personal Information, to other
   companies and organizations for the purposes of fraud protection and credit
   risk reduction.
 * For any other purpose you have consented to when required by applicable law
   and regulations.
 * To our service providers which are contractually restricted from using or
   disclosing your information except as necessary to perform services on our
   behalf or to comply with legal requirements.




6. FOR HOW LONG WILL WE STORE YOUR PERSONAL INFORMATION



Next will only retain your Personal Information for the life of any policies you
may have purchased from us and as per applicable state legal and regulatory
requirements, or longer in the case of litigation.




7. DATA SECURITY



Next takes steps to protect your information from unauthorized access. While we
take reasonable measures to protect the information you submit via the website
against loss, theft, and unauthorized use, disclosure, or modification, we
cannot guarantee its absolute security.  No internet, email, or mobile
application transmission is ever fully secure or error free. Email or other
messages sent through the website may not be secure. You should use caution
whenever submitting information through email or the website and take special
care in deciding which information you provide us.




8. THIRD-PARTY LINKS



We may include on our Website links to other websites containing third party
products or services.  Please note that this Privacy Policy does not apply to
those websites or services. We encourage you to read the privacy statements and
terms and conditions of any linked or referenced third-party websites you
enter.  These third-party websites may use their own cookies and tracking
devices, log your IP address, and otherwise collect data or solicit your
Personal Information. Next claims no responsibility or liability for the content
and activities of these linked sites.  Nonetheless, we seek to protect the
integrity of our Website and welcome any feedback about these sites.




9. YOUR CHOICES



Next provides you with the opportunity to opt into (and then subsequently opt
out of) receiving promotional text messages, push messages and voicemails, as
well as to opt-out of receiving promotional emails or other marketing email
communications from us, our business partners, and third party survey vendors.
To opt-out of receiving text communications, please text STOP or contact us at
the email or postal address listed in this Privacy Policy below in Section 18. 
To unsubscribe from promotion voicemails, please email us at the email address
listed in Section 18 below. If you elected to receive push notifications through
your mobile device, you can stop them by changing your preferences through your
device or application settings.  You may also uninstall our application through
your mobile device’s uninstall process if you no longer wish for the mobile
application to collect information or be on your device. To unsubscribe from
promotional email communications, please use the “unsubscribe” link at the
bottom of the email.



You also have choices with respect to cookies and similar technologies, as
described below.




10. COOKIES



Next collects information about how you use our Website by using cookies.  A
cookie is a small text file, generated by a website that is stored in the
website user’s internet browser or computer or mobile device hard drive, on a
temporary or permanent basis.  Cookies allow a website to identify a user’s
device whenever that user returns to the website. This provides the user with a
more stable and enriching experience, and allows a website owner to gather usage
information.  You can find more detailed information about cookies and how they
work at www.aboutcookies.org.



You can configure your internet browser preferences to limit the acceptance and
storage of cookies, but blocking all cookies may limit your browsing experience
on our and other websites.



Next may also utilize web beacons and similar tracking technologies to gather
information about your interactions with Next websites.  A web beacon is a
one-pixel usually-transparent electronic image inserted in web content or email
messages. It passes information about pages and content viewed by Next Website
users.




11. NEXT’S COOKIE USE



Cookies allow Next to identify a user’s device when that user returns to Next’s
Website and to run its Services more efficiently by providing a more stable
experience customized to each user.



Cookies also may provide Next with information about its users and enable Next
to compile aggregate user statistics.



The cookies Next uses vary.  Some of the cookies Next uses are necessary to
allow users to navigate secure areas containing content for registered users. 
Next also uses functional cookies to gather information about user choices such
as language, region, or other settings. Information gleaned from these
functional cookies is usually anonymized and not used for non-functional
purposes.



Next uses analytical services to determine the effectiveness of our content,
what interests our users, and the functionality of our Services.  We also use
web beacons, tracking pixels, and similar technologies to understand more about
Website visitors and count visitor numbers.



Next utilizes performance cookies to track how many individual users visit our
Website and how often they do so. While information gathered through web
beacons, tracking pixels, and performance cookies are generally not used to
personally identify any user, such data may be combined with other information
to analyze personal website user information.



While this Website does not generally utilize targeting cookies, which deliver
targeted advertising, third party websites on which Next may advertise may use
such cookies to track the success of those advertising campaigns.  We may use
web beacons to decipher which users arrived at our website after viewing an
advertisement on such a third party website. Web beacons may also work in
concert with cookies on your device to monitor activity. You cannot block web
beacons, and because they are not installed on your device, you cannot remove
them.



However, you can remove and block the cookies on which web beacons rely to
gather information about your user activity.




12. YOUR CONTROL OVER COOKIES



You can control and manage your cookies in various ways.  You can control
whether you block or accept cookies by modifying your internet browser settings,
including the selection of “do not track” options.  You can accept all cookies,
be notified when a cookie is sent, or reject all cookies. Most browsers also
allow you to individually delete cookies, though this may cause you to lose
preferences you set for various websites.  Note that removing or blocking
cookies may impair your user experience and prevent access to portions of Next’s
Website. Next’s web beacons will still function without cookies, but will only
record that the Website was anonymously visited.  For more information about how
to modify your browser settings to block or filter cookies,
see www.aboutcookies.org.



You can opt-out of having your anonymized browsing activity within websites
recorded by analytics cookies by following the instructions on the Google
website at https://myaccount.google.com/yourdata/search to update your privacy
settings.



A local shared object or flash cookie is similar to other cookies except that it
can store additional information.  These cookies cannot be filtered using the
browser settings as described above. Some parts of Next’s Website use flash
cookies to store preferences for media player functionality.  Some video content
may not play properly without these cookies. These cookies can be controlled
manually by visiting the Adobe website at 
https://experienceleague.adobe.com/docs/core-services/interface/administration/ec-cookies/cookies-first-party.html?lang=en.




13. INTERNATIONAL USERS



Next and this Website are based in the United States.  Next only offers
insurance to United States residents.




14. STATE-SPECIFIC RIGHTS



The Personal Information about you that we collect includes information within
the below categories of data. These categories also represent the categories of
Personal Information that we have collected over the past 12 months. Note that
the categories listed below refers to the category of Personal Information as
defined under the California Privacy Rights Act (“CPRA”). Inclusion of a
category in the list below indicates only that, depending on the services and
products we provide you, we may collect some information within that category.
It does not necessarily mean that we collect all information listed in a
particular category for all of our customers. In addition, state privacy law
does not necessarily apply to each category of Personal Information,
particularly since most of what we collect is in the Business to Business
Context.



We have disclosed Personal Information in each of the below categories with our
subsidiaries and affiliates, business partners, and service providers, as well
as with government entities as necessary, within the past 12 months.



Category

Sources

Purpose of Processing

Identifiers such as a real name, alias, postal address, unique personal
identifier, online identifier, Internet Protocol address, email address, account
name, social security number, driver’s license number, passport number, or other
similar identifiers.Website form; telephone discussions; other direct
communications with you.Performance of our contracts, or the contracts of the
companies whose insurance products we sell, or to take steps necessary to enter
into such contractors; Performance of our legal obligations.



It is also necessary to:

 * offer you products or services that may be of interest to you;
 * assess the success of our advertising campaigns, and respond to your queries.
 * comply with legal or regulatory obligations
 * prevent fraud and enhance security

Information that identifies, relates to, describes, or is capable of being
associated with, a particular individual, including, but not limited to, your
name, signature, social security number, physical characteristics or
description, address, telephone number, driver’s license or state identification
card number, insurance policy number, education, employment, employment history,
bank account number, credit card number, debit card number, or any other
financial information, medical information, or health insurance
information.Website form; telephone discussions; other direct communications
with you.Performance of our contracts, or the contracts of the companies whose
insurance products we sell, or to take steps necessary to enter into such
contractors; Performance of our legal obligations.



It is also necessary to:

 * offer you products or services that may be of interest to you;
 * assess the success of our advertising campaigns, and respond to your queries.
 * comply with legal or regulatory obligations
 * prevent fraud and enhance security

Characteristics of protected classifications under California or federal law,
including: familial status, disability, sex, national origin, religion, color,
race, sexual orientation, gender identity and gender expression, marital status,
veteran status, medical condition, ancestry, source of income, age, or genetic
information.Website form; telephone discussions; other direct communications
with you; through social media interactions; through databrokers.Performance of
our contracts, or the contracts of the companies whose insurance products we
sell, or to take steps necessary to enter into such contractors; Performance of
our legal obligations.



For accessibility purposes in support of visits to our offices.

Commercial information, including records of personal property, products or
services purchased, obtained, or considered, or other purchasing or consuming
histories or tendencies.Website form; telephone discussions; other direct
communications with you.Performance of our contracts, or the contracts of the
companies whose insurance products we sell, or to take steps necessary to enter
into such contractors; Performance of our legal obligationsInternet or other
electronic network activity information, including, but not limited to, browsing
history, search history, and information regarding the consumer’s interaction
with an Internet Web site, application, or advertisement.Online automated
technologies, including web server logs that compile IP addresses, web beacons,
and cookies.Provision of high-quality and tailored services to you;
Maintaining the security and integrity of our electronic systems.Geolocation
data.Online automated technologies, including web server logs that compile IP
addresses, web beacons, and cookies.Provision of high-quality and tailored
services to you; Maintaining the security and integrity of our electronic
systems.Audio, electronic, visual, or similar information.Recorded phone calls
with our customer service representatives; CCTV.Performance of our contracts, or
the contracts of the companies whose insurance products we sell, or to take
steps necessary to enter into such contractors; Performance of our legal
obligations, as well as for quality control and training purposes and for
security purposes.Professional or employment-related information.Website form;
telephone discussions; other direct communications with you.Performance of our
contracts, or the contracts of the companies whose insurance products we sell,
or to take steps necessary to enter into such contractors; Performance of our
legal obligations.Inferences (defined as “the derivation of information, data,
assumptions, or conclusions from facts, evidence, or another source of
information or data”) drawn from any of the information identified in this
subdivision to create a profile about a consumer reflecting the consumer’s
preferences, characteristics, psychological trends, preferences,
predispositions, behavior, attitudes, intelligence, abilities, and
aptitudes.Data analytics partners.Performance of our contracts, or the contracts
of the companies whose insurance products we sell, or to take steps necessary to
enter into such contractors; Provision of high-quality and tailored services to
you.Sensitive personal information, including: any personal information that
reveals an individual’s social security or other state identification number;
account log-in, financial account; geolocation; racial or ethnic origin,
religious or philosophical beliefs, or union membership; contents of mail,
email, or text messages, unless the business is the intended recipient of the
communication; and genetic data.Website form; telephone discussions; other
direct communications with you.Performance of our contracts, or the contracts of
the companies whose insurance products we sell, or to take steps necessary to
enter into such contractors; Performance of our legal obligations.



For accessibility purposes in support of visits to our offices.



In addition to the categories of information above, we also collect the
following categories of sensitive personal information:



Category

Sources

Purpose of Processing

Social security, driver’s license, state Identification card, or passport
number.Website form; telephone discussions; other direct communications with
you.Performance of our contracts, or the contracts of the companies whose
insurance products we sell, or to take steps necessary to enter into such
contractors; Performance of our legal obligations.Account log-In, financial
account, debit card, or credit card number in combination with any required
security or access code, password, or credentials allowing access to an
account.Website form; telephone discussions; other direct communications with
you.Performance of our contracts, or the contracts of the companies whose
insurance products we sell, or to take steps necessary to enter into such
contractors; Performance of our legal obligations.Racial or ethnic origin,
religious or philosophical beliefs, or union membership.Website form; telephone
discussions; other direct communications with you.Performance of our legal
obligations.



For accessibility purposes in support of visits to our offices.



Certain states, like California, also grants residents specific rights regarding
the collection and use of their Personal Information. Subject to certain
limitations, and based on your residency, you may be entitled to the following
rights:



 * Right to access/know. You have the right to know and request information
   about the categories and specific pieces of Personal Information we have
   collected about you within the last 12 months, as well as the categories of
   sources from which such information is collected, the purpose for collecting
   such information, and the categories of third parties with whom we share such
   information. You also have the right to know if we have sold or disclosed
   your personal information.
 * Right to correct. You have the right to notify us through the “Contact Us”
   section at the bottom of this Privacy Policy to correct any mistakes in yours
   Personal Information or update your preferences; we may also not be able to
   accommodate your request if we believe it would violate any law or legal
   requirement or cause the information to be incorrect; data solely retained
   for data backup purposes is generally excluded.
 * Right to delete. You have the right to request the deletion of your Personal
   Information, subject to certain exceptions
 * Right to non-discrimination. You have the right to not be discriminated
   against for exercising any of the above-listed rights. We may, however,
   provide a different level of service or charge a different rate reasonably
   relating to the value of your Personal Information.
 * Right to limit use and disclosure of Sensitive Personal Information. You have
   the right limit the use of and disclosure of your Sensitive Personal
   Information Next collects or maintains, to only those purposes necessary to
   provide our Services (but we do not use sensitive personal information for
   any purpose that is not necessary to provide our Services).
 * Opt-out of the sale or sharing of personal information. We do not sell your
   Personal Information to or share your Personal Information with third parties
   for cross contextual advertising, nor do we intend to, as those terms are
   defined by applicable state privacy law, including in California. We also
   have not done so for the last 12 months.



If you would like to exercise any of the above rights, please submit your
request via email to privacy@nextinsurance.com, or contact us via the methods
indicated in the “Contact Us” section at the bottom of this Privacy Policy.



We may require additional information from you in order to honor your request,
and there may be circumstances where we will not be able to honor your request.
For example, if you request deletion, we may need to retain certain personal
information to comply with our legal obligations or other permitted purposes. We
will only use Personal Information provided in a verifiable consumer request to
verify your identity or authority to make the request. If you are submitting a
request through an authorized agent, the authorized agent must provide us with
your signed written permission stating that the agent is authorized to make the
request on your behalf.



We may also request that any authorized agents verify their identity and may
reach out to you directly to confirm that you have provided the agent with your
permission to submit the request on your behalf.



Further, if you are a California resident, California Civil Code Section 1798.83
permits you to request in writing a list of the categories of Personal
Information relating to third parties to which we have disclosed Personal
Information during the preceding year, for the third parties’ direct marketing
purposes. To make such a request, please contact us at
privacy@nextinsurance.com.




15. DO NOT TRACK SIGNALS



Some browsers have incorporated “Do Not Track” (DNT) features that can send a
signal to the websites you visit indicating you do not wish to be tracked.
Because there is not yet a common understanding of how to interpret the DNT
signal, our services do not currently respond to browser DNT signals. For more
information on DNT, see https://allaboutdnt.com/.




16. NEXT DOES NOT INTEND TO COLLECT INFORMATION OF CHILDREN



Next Services are not directed towards individuals under the age of thirteen
(13), and we do not knowingly collect or solicit Personal Information from
children or anyone under the age of 13. Next does not knowingly allow such
persons to utilize our Services. In the event that we learn that we have
inadvertently collected Personal Information from a child or someone under the
age of 13, we will delete that information as quickly as possible. If you
believe that we might have any information from or about a child, please contact
us via the methods listed below in the “Contact Us” section at the bottom of
this Privacy Policy.




17. REVISIONS TO OUR PRIVACY POLICY



We reserve the right to change this Privacy Policy at any time by posting the
changes/amended Privacy Policy on this Website. The date of this Privacy Policy
was last revised is identified at the top of the page. All amended terms
automatically take effect after they are initially posted on our website, unless
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If you have any questions relating to this Privacy Policy or your Personal
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Email:
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Next Insurance, Inc.
PO Box 60787
Palo Alto, CA 94306

Phone:
1-855-222-5919 (U.S. toll free)



Website:
https://www.nextinsurance.com/help-center/.




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