We are committed to protecting the privacy of visitors to our websites. This notice describes how and why we collect, use and disclose your Personal Information when you interact with our websites and/or mobile app.
This privacy notice covers www.brokersnexus.com available to visitors throughout the world. These websites and mobile app are operated in the United States in accordance with laws of the United States, which may differ from those in your country of residence.
Collection of Personal Information
Definition: “Personal Information” means non-public information that identifies a specific person. It does not include publicly available, de-identified, or aggregated data.
We collect various types of Personal Information to operate efficiently and provide you with the most suitable products and services. To provide insurance quotes, it is necessary for you to provide the coverage dates, ages, geographic information, coverage desired and similar non-personally identifiable information. To purchase insurance, you must provide Personal Information including name, gender, citizenship, home country, birth date, address, phone number, email address, passport number or other government issued ID number, payment details including credit card information, beneficiary details.
Our websites have discussion forums, and question and answer sections where the users can post any content. Please keep in mind that any information you publicly share on these platforms is visible to anyone.
Security of Personal Information
We are committed to protecting the security of your personal information. We use a variety of generally accepted standards of security technologies and procedures to protect personal information submitted to us from unauthorized access, use or disclosure, both during transmission and once it is received. Information on our website and mobile app is transmitted using encryption such as the Secure Socket Layer (SSL) protocol. However, we cannot guarantee our ability as internet transmission is not 100% secure. The personal information you entrust to us is stored on our computer systems hosted in a secure cloud environment.
If you are required to enter a user ID or password to access any part of our websites or mobile application, it is your responsibility to secure your password and not share it with anyone. Do not save your passwords when accessing our websites or mobile application when using a shared computer or mobile device.
Use of Your Personal Information
Any personal information we collect about you or from you by website, mobile application, phone, email, fax, or in person is kept strictly confidential. Our staff has access to your personal information on a strictly need-to-know basis and to provide services to you.
We will retain your personal information subject to its retention schedules, which are determined by the nature of the personal information, how we will use the information to serve you, any regulatory control and any applicable legal or tax considerations.
Sharing of Your Personal Information
We generally do not disclose, sell or rent your personal information to any third parties, other than to the insurance companies or their plan administrators who are required to have this information to provide products and services to you.
In certain cases, we are required by law to disclose information to law enforcement, or in cases of lawsuit, subpoena, or other legal processes. Personal data may be transferred to a third party if there is a transfer of assets or ownership of the company or if the company files for bankruptcy.
Tracking, Advertisement and Marketing
Like most websites, we gather certain information automatically such as your IP address, browser type, internet service provider (ISP), referring/exit pages, webpages viewed, and operating system to analyze trends in aggregate and administer the websites and mobile app.
Our websites and mobile application use cookies. A cookie is a piece of data stored on your device when you visit one of our websites. Cookies do not contain any personally identifiable information about you. You have the right to accept or decline cookies through your browser preferences. However, many features of our websites may not be available to you if you decline cookies.
There are certain cookies that are strictly necessary. These can include Google Tag Manager and Session Information, which are required for interaction with our websites and mobile app. We use performance tracking and interaction cookies such as Google Analytics and Google Translate. We also use targeting and advertising cookies such as Google AdWords, DoubleClick, Bing Ads, and Facebook Pixel.
Through these services, we may use cookies and de-identified data for purposes including delivering banner advertisements and other advertising tailored to your interests when you visit certain websites and selecting offers and products to display to you when you visit our website. You can opt-out of Google Analytics for Display Advertising and customize Google Display Network ads using the Ads Preferences Manager. You can find out more about how Google uses cookies in advertising and opt-out via the following links: Google Display Network and Google Analytics Opt-out Browser Add-on.
We may use personal data to display custom, personalized content to our website and mobile app visitors, as well as send newsletters, emails, promotional materials, and other content to our users. You can opt out of these communications at any time by unsubscribing.
General Data Protection Regulation (GDPR)
Unless stated otherwise, where and when GDPR applies to the data collected on our websites and mobile application, we are the data controller. If you are a citizen of the European Union or Switzerland and you are visiting our websites, using our mobile app, or purchasing through us, your personal data will be sent to the United States for use and processing as necessary to provide products and services to you. In such cases, your personal information will be transferred subject to the EU-US and Swiss-US Privacy Shield Framework.
You hereby consent to process your personal information pursuant to Article 6(1)(a) of the GDPR by accepting our privacy policy. You may withdraw your consent at any time.
For insureds, customers, website visitors, and mobile application users, we will: (i) process the personal information we collect from you or that we receive from third parties about you as necessary to further our legitimate interests, which shall not override your fundamental rights and freedoms; (ii) process such information in order to send you future marketing materials about products or services in which you may have interest; and (iii) for all other purposes set forth here.
Accessing Your Personal Information
We endorse and adopt entirely the data handling practices found in:
- The Canadian Standard Associations' Model Code for Protection of Personal Information
- New York State Department of Financial Services regulation 23 NYCRR 500
- The European Union’s General Data Protection Regulation
- The Californian Consumer Privacy Act (CCPA)
Questions regarding these standards should be directed to our Data Protection Officer at [email protected].
Your right to access your personal data may be restricted in exceptional circumstances including, but not limited to, when the burden or expense of providing this access would be disproportionate to the risks to your privacy in the case in question, or when the rights of persons other than you would be violated by the provision of such access. If we determine that your access should be restricted in a particular instance, we will provide you with an explanation of our determination and respond to any inquiries you may have.
EU-US and Swiss-US Privacy Shield
We are committed to subject all personal data received from European Union member countries and Switzerland, respectively, in reliance on each Privacy Shield Framework, to the Framework’s applicable principles. To this end, we comply with the EU-US Privacy Shield Framework and the Swiss-US Privacy Shield Framework as set forth by the US Department of Commerce regarding the collection, use, and retention of personal information from European Union member countries and Switzerland transferred to the United States pursuant to Privacy Shield. We adhere to the Privacy Shield principles with respect to such data. If there is any conflict between the policies in this privacy policy and data subject rights under the Privacy Shield principles, the Privacy Shield principles shall govern. To learn more about the Privacy Shield program and to view our certification page, please visit www.privacyshield.gov.
Children
Our websites are not intended for use by children under the age of 13 years. Accordingly, we do not solicit or knowingly collect personal information from anyone who visits our websites or uses our mobile application that we know to be under 13 years of age. Parents and/or guardians are solely responsible for supervising their minor children’s use of our websites. If we are made aware that information is or has been submitted by or collected from a child under 13 years of age, we will take reasonable steps to delete their personal information. However, this provision does not apply for insureds to whom we provide services because of a customer or an insured relationship.
Third Party Privacy Notices
Our privacy policy does not address, nor are we responsible for the privacy policies of any third parties to which we link or to whom we submit insurance enrollment information. We are not responsible for, nor do we have any control over the privacy policies of other organizations such as insurance companies, plan administrators, social media companies (Meta – owner of Facebook and Instagram, X – formerly Twitter, LinkedIn, TikTok, etc.) or technology companies (Google, Apple, Microsoft, etc.), including any personal information you disclose to other organizations through online quotes, purchases, or in connection with our social media pages.
Changes
We may need to update our privacy policy periodically without prior notice to users. In that that case, the updated privacy policy will be posted here.
If you have any questions regarding our privacy policy, please contact us.
Last Updated: May 24, 2024