Last Updated: December 17, 2020

PRIVACY POLICY

GENERAL

ClearQuote Technologies India Pvt Ltd and its affiliated companies (collectively, the “Company” or “we” or “us” or “our”) respects the privacy of its users (“user” or “you”) that use our website located at https://clearquote.io/ including other media forms, media channels, mobile website or mobile application related or connected thereto (collectively, the “Website”). The following Company privacy policy (“Privacy Policy”) is designed to inform you, as a user of the Website, about the types of information that Company may gather about or collect from you in connection with your use of the Website. It also is intended to explain the conditions under which Company uses and discloses that information, and your rights in relation to that information. Changes to this Privacy Policy are discussed at the end of this document. Each time you use the Website, however, the current version of this Privacy Policy will apply. Accordingly, each time you use the Website you should check the date of this Privacy Policy (which appears at the beginning of this document) and review any changes since the last time you used the Website.  

BY USING OR ACCESSING THE WEBSITE, YOU ARE ACCEPTING THE PRACTICES DESCRIBED IN THIS PRIVACY POLICY.

GATHERING, USE AND DISCLOSURE OF NON-PERSONALLY-IDENTIFYING INFORMATION

 Users of the Website Generally

 “Non-Personally-Identifying Information” is information that, without the aid of additional information, cannot be directly associated with a specific person. “Personally-Identifying Information,” by contrast, is information such as a name or email address that, without more, can be directly associated with a specific person. Like most website operators, Company gathers from users of the Website Non-Personally-Identifying Information of the sort that Web browsers, depending on their settings, may make available. That information includes the user’s Internet Protocol (IP) address, operating system and browser type, and the locations of the Web pages the user views right before arriving at, while navigating and immediately after leaving the Website. Although such information is not personally identifiable, it may be possible for Company to determine from an IP address a user’s Internet service provider and the geographic location of the visitor’s point of connectivity as well as other statistical usage data. Company analyzes Non-Personally-Identifying Information gathered from users of the Website to help Company better understand how the Website is being used. By identifying patterns and trends in usage, Company is able to better design the Website to improve users’ experiences, both in terms of content and ease of use. From time to time, Company may also release the Non-Personally-Identifying Information gathered from Website users in the aggregate, such as by publishing a report on trends in the usage of the Website.

Web Cookies

A “Web Cookie” is a string of information which assigns you a unique identification that a website stores on a user’s computer, and that the user’s browser provides to the website each time the user submits a query to the site. We use cookies on the Website to keep track of services you have used, to record your user preferences, to keep you logged into the Website, and to facilitate purchase procedures. Company also uses Web Cookies to track the pages that users visit during each Website session, both to help Company improve users’ experiences and to help Company understand how the Website is being used. As with other Non-Personally-Identifying Information gathered from users of the Website, Company analyzes and discloses in aggregated form information gathered using Web Cookies, so as to help Company, its partners and others better understand how the Website is being used. WEBSITE USERS WHO DO NOT WISH TO HAVE WEB COOKIES PLACED ON THEIR COMPUTERS SHOULD SET THEIR BROWSERS TO REFUSE WEB COOKIES BEFORE ACCESSING THE WEBSITE, WITH THE UNDERSTANDING THAT CERTAIN FEATURES OF THE WEBSITE MAY NOT FUNCTION PROPERLY WITHOUT THE AID OF WEB COOKIES. WEBSITE USERS WHO REFUSE WEB COOKIES ASSUME ALL RESPONSIBILITY FOR ANY RESULTING LOSS OF FUNCTIONALITY.

Web Beacons

A “Web Beacon” is an object that is embedded in a web page or email that is usually invisible to the user and allows website operators to check whether a user has viewed a particular web page or an email. Company may use Web Beacons on the Website and in emails to count users who have visited particular pages, viewed emails, and to deliver co-branded services. Web Beacons are not used to access users’ Personally-Identifying Information; they are a technique Company may use to compile aggregated statistics about Website usage. Web Beacons collect only a limited set of information including a Web Cookie number, time and date of a page or email view, and a description of the page or email on which the Web Beacon resides. You may not decline Web Beacons, however, they can be rendered ineffective by declining all Web Cookies or modifying your browser setting to notify you each time a Web Cookie is tendered and permit you to accept or decline Web Cookies on an individual basis.  

Analytics

 We may use third-party vendors, including Google, who use first-party cookies (such as the Google Analytics cookie) and third-party cookies (such as the DoubleClick cookie) together to provide analytics services, inform, optimize, and serve ads based on your past activity on our websites and applications, including Google Analytics for Display Advertising. These vendors may use Web Cookies, Web Beacons and other technologies to collect information about your use of the Website, our service and other websites, including your IP address, web browser, pages viewed, time spent on pages, links clicked and conversion information. This information may be used by us and others to, among other things, analyze and track data, determine the popularity of certain content, deliver content targeted to your interests on our service and other websites and better understand your online activity. If you do not want any information to be collected and used by Google Analytics, you can install an opt-out in your web browser () and/or opt out from Google Analytics for Display Advertising or the Google Display Network. You can do so by using Google’s Ads Settings (www.google.com/settings/ads). For more information about interest-based ads, or to opt out in general of having your web browsing information used for behavioral advertising purposes, please visit .

 Legal basis (GDPR only) – Consent and Legitimate interest (e.g. essential cookies).

 Aggregated and Non-Personally-Identifying Information

 We share aggregated and Non-Personally Identifying Information we collect under any of the above circumstances. We combine Non-Personally Identifying Information we collect with additional Non-Personally Identifying Information collected from other sources. We also share aggregated information with third parties, including advisors and investors, for the purpose of conducting general business analysis. This information does not contain any Personally-Identifying Information and may be used to develop website content and services that we hope you and other users will find of interest.

 COLLECTION, USE AND DISCLOSURE OF PERSONALLY-IDENTIFYING INFORMATION

 As defined above, Personally-Identifying Information is information that can be directly associated with a specific person. Company may collect a range of Personally-Identifying Information from and about Website users. Much of the Personally-Identifying Information collected by Company about users is information provided by users themselves when:

 (1) Participating in polls, surveys or other features of our service, or responding to offers or advertisements, for the purpose of process your answers and contact you in case that you win the survey. The information collected includes  user’s name, address, email address, and telephone number, information about your interests and activities, your gender, age, date of birth, username, hometown and other demographic information, and other relevant information provided/supplied by you. Legal basis (GDPR only) Processing is necessary for the performance of a contract to which the data subject is party or in order to take steps at the request of the data subject prior to entering into a contract and legitimate interest (e.g. process your answers in polls and surveys)

(2) Communicating with us, for the purpose of process and answer your questions, provide support (e.g., to solve problems or issues), and customize your experience and provide a demo.  The information collected includes user’s name, address, email address, and telephone number, information about your interests and activities, your gender, age, date of birth, username, hometown and other demographic information, and other relevant information provided/supplied by you. Legal basis (GDPR only) Processing is necessary for the performance of a contract to which the data subject is party or in order to take steps at the request of the data subject prior to entering into a contract and legitimate interest (e.g. respond to an inquiry sent by you)

(3) Signing up to receive newsletters or other information, for the purpose of send you marketing communications. The information collected includes name and email address. Legal basis (GDPR only) consent and legitimate interest (e.g. send marketing communications).

(4) Applying for job positions, for the purpose of process your job application and assess you as a candidate. The information collected includes full name, address, email address, and telephone number, CV and other relevant information provided/supplied by you. Legal basis (GDPR only) Processing is necessary for the performance of a contract to which the data subject is party or in order to take steps at the request of the data subject prior to entering into a contract and legitimate interest (e.g. assess you as a candidate)

Users of the Website are under no obligation to provide Company with Personally-Identifying Information of any kind, with the caveat that a user’s refusal to do so may prevent the user from using certain Website features.

BY USING THE WEBSITE, YOU CONSENT TO THE USE AND DISCLOSURE OF YOUR PERSONALLY IDENTIFYING INFORMATION AS DESCRIBED IN THIS “COLLECTION, USE AND DISCLOSURE OF PERSONALLY-IDENTIFYING INFORMATION” SECTION.                                

Company Communications

 We occasionally use your name and email address to send you notifications regarding new services offered by the Website that we think you may find valuable. We also send you service-related announcements from time to time through the general operation of the service.

 Company Disclosures

 Company will disclose Personally-Identifying Information under the following circumstances:

  • By Law or to Protect Rights. When we believe disclosure is appropriate in connection with efforts to investigate, prevent, or take other action regarding illegal activity, suspected fraud or other wrongdoing; to protect and defend the rights, property or safety of our Company, our users, our employees, or others; to comply with applicable law or cooperate with law enforcement; or to enforce our Terms of Use or other agreements or policies, in response to a subpoena or similar investigative demand, a court order, or a request for cooperation from a law enforcement or other government agency; to establish or exercise our legal rights; to defend against legal claims; or as otherwise required by law. In such cases, we may raise or waive any legal objection or right available to us.
  • Marketing Communications. Company will email users about products and services that Company believes may be of interest to them, consistent with your consent. If a user wishes to withdraw consent and stop receiving marketing materials from Company, user may do so by following the unsubscribe link in email communications or contacting us using the contact information on the Website or by sending an email to hello@clearquote.io.
  • Third Party Service Providers. We share your Personally-Identifying Information, which includes your name and contact information (including email address) with our authorized service providers that perform certain services on our behalf. These services includes fulfilling orders, providing customer service and marketing assistance, performing business and sales analysis, supporting our website functionality, and supporting surveys and other features offered through our Website. These service providers have access to personal information needed to perform their functions but are not permitted to share or use such information for any other purpose
  • Business Transfers; Bankruptcy. Company reserves the right to transfer all Personally-Identifying Information in its possession to a successor organization in the event of a merger, acquisition, or bankruptcy or other sale of all or a portion of Company’s assets. Other than to the extent ordered by a bankruptcy or other court, the use and disclosure of all transferred Personally-Identifying Information will be subject to this Privacy Policy, or to a new privacy policy if you are given notice of that new privacy policy and are given an opportunity to affirmatively opt-out of it. Personally-Identifying Information submitted or collected after a transfer, however, may be subject to a new privacy policy adopted by the successor organization. 
  • To the extent necessary, with regulators, to comply with all applicable laws, regulations and rules, and requests of law enforcement, regulatory and other governmental agencies or if required to do so by court order;
  • Where you have provided your consent to us sharing the Personally- Identifying Information (e.g., where you provide us with marketing consents or opt-in to optional additional services or functionality); and
  • Finally, please note that some of the abovementioned Personally- Identifying Information will be used for fraud detection and prevention, and for security purposes.

 

 Changing Personally-Identifying Information

You may at any time review or change your Personally-Identifying Information by contacting us using the contact information on the Website.  Upon your request, we will deactivate or delete your contact information from our active databases. Such information will be deactivated or deleted as soon as practicable based on your activity and accordance with our deactivation policy and applicable law. We will retain in our files some personal information to prevent fraud, to troubleshoot problems, to assist with any investigations, to enforce our Terms of Use and to comply with legal requirements as is permitted by law. Therefore, you should not expect that all your personal information will be completely removed from our databases in response to your requests. Additionally, we keep a history of changed information to investigate suspected fraud.

General Use

 We use the Personally-Identifying Information in the file we maintain about you, and other information we obtain from your current and past activities on the Website to: deliver the products and services that you have requested, communicate with you by email, postal mail, telephone and/or mobile devices about products or services that may be of interest to you either from us, our affiliate companies or other third parties, resolve disputes, troubleshoot problems, measure interest in our services, inform you of updates, customize your experience, detect and protect us against error, fraud and other criminal activity, enforce our Terms of Use, and as otherwise described to you at the time of collection. At times, we may look across multiple users to identify problems. We may compare and review your Personally-Identifying Information for accuracy and to detect errors and omissions. 

PERIOD OF STORAGE OF COLLECTED INFORMATION

Personally-Identifying Information. Your Personally-Identifying Information will be stored until we no longer need the information and proactively delete it or you send a valid deletion request. Please note that we will retain it for a longer or shorter period in accordance with data retention laws. We have an internal data retention policy to ensure that we do not retain your Personally-Identifying Information perpetually.

Cookies. This depends on the cookie in question. Some cookies (e.g. essential cookies) cannot be disabled. You may also control and delete these cookies through your browser settings. Read more in our cookie policy below. 

SECURITY

We take security of your Personally-Identifying Information seriously and use reasonable electronic, personnel, and physical measures to protect it from loss, theft, alteration, or misuse.  However, please be advised that even the best security measures cannot fully eliminate all risks. We cannot guarantee that only authorized persons will view your information. We are not responsible for third party circumvention of any privacy settings or security measures.

In addition, in some circumstances we may store your Personally-Identifying Information for longer periods of time, for example (i) where we are required to do so in accordance with legal, regulatory, tax or accounting requirements, or (ii) for us to have an accurate record of your dealings with us in the event of any complaints or challenges, or (iii) if we reasonably believe there is a prospect of litigation relating to your Personally-Identifying Information or dealings.

YOUR RIGHTS

The following rights (which may be subject to certain exemptions or derogations) shall apply to certain individuals (some of which only apply to individuals protected by the GDPR):

  • You have a right to access information held about you. Your right of access may normally be exercised free of charge, however we reserve the right to charge an appropriate administrative fee where permitted by applicable law;
  • You have the right to request that we rectify any Personally-Identifying Information we hold that it is inaccurate or misleading;
  • You have the right to request the erasure of the Personally-Identifying Information that relates to you. Please note that there may be circumstances in which we are required to retain your data, for example for the establishment, exercise or defense of legal claims;
  • The right to object, to or to request restriction, of the processing. However, there may be circumstances in which we are legally entitled to refuse your request;
  • The right to data portability. This means that you may have the right to receive your Personally-Identifying Information in a structured, commonly used and machine-readable format, and that you have the right to transmit that data to another controller;
  • You have the right to object to profiling;
  • You have a right to lodge a complaint with your local data protection supervisory authority (i.e., your place of habitual residence, place or work or place of alleged infringement) at any time. We ask that you please attempt to resolve any issues with us before you contact your local supervisory authority;
  • The right to withdraw your consent. Please note that there may be circumstances in which we are entitled to continue processing your data, in particular if the processing is required to meet our legal and regulatory obligations.
  • You also have a right to request details of the basis on which your Personally-Identifying Information is transferred outside the European Economic Area, but you acknowledge that data transfer agreements may need to be partially redacted for reasons of commercial confidentiality.

 You can exercise your rights by contacting us at hello@clearquote.io. Subject to legal and other permissible considerations, we will make every reasonable effort to honor your request promptly or inform you if we require further information in order to fulfil your request. When processing your request, we may ask you for additional information to confirm your identity and for security purposes, before disclosing the Personally-Identifying Information requested to you. We reserve the right to charge a fee where permitted by law, for instance if your request is manifestly unfounded or excessive.

In the event that your request would adversely affect the rights and freedoms of others (for example, would impact the duty of confidentiality we owe to others) or if we are legally entitled to deal with your request in a different way than initial requested, we will address your request to the maximum extent possible, all in accordance with applicable law.

 LINKS TO AND INTERACTION WITH THIRD PARTY PRODUCTS

The Website enables you to interact with or contain links to your Third Party Account and other third party websites, mobile software applications and services that are not owned or controlled by us (each a “Third Party Service”). We are not responsible for the privacy practices or the content of such Third Party Services. Please be aware that Third Party Services can collect Personally-Identifying Information from you. Accordingly, we encourage you to read the terms and conditions and privacy policy of each Third Party Service that you choose to use or interact with.

PRIVACY POLICY CHANGES

Company can, in its sole discretion, change this Privacy Policy from time to time. Any and all changes to Company’s Privacy Policy will be reflected on this page and the date new versions are posted will be stated at the top of this Privacy Policy. Unless stated otherwise, our current Privacy Policy applies to all information that we have about you. Users should regularly check this page for any changes to its Privacy Policy. Company will always post new versions of the Privacy Policy on the Website. However, if there will be any significant changes made to the use of your Personally-Identifying Information in a manner different from that stated at the time of collection, we Company will, as determined in its discretion, notify users of changes made to this Privacy Policy via website, via email or otherwise. Accordingly, it is important that users always maintain and update their contact information.

DO NOT TRACK POLICY

Our Website does not respond to “Do Not Track” signals or mechanisms.

CONTACT

If you have any questions regarding our Privacy Policy, please contact our privacy officer using the contact information on the Website or by sending an email to hello@clearquote.io.

 

Last Updated: December 17, 2020

​COOKIES POLICY​

We use in our site https://clearquote.io/ (“Site”) cookies and similar files or technologies to automatically collect and store information about your computer, device, and site usage, in order to improve performance and enhance your user experience. We use the general term “cookies” in this policy to refer to these technologies and all such similar technologies that collect information automatically when you are using our Site where this policy is posted.  You can find out more about cookies and how to control them in the information below.

If you do not accept the use of these cookies, please disable them using the instructions in this cookie policy or by changing your browser settings so that cookies from this Site cannot be placed on your computer or mobile device. Important: disabling cookies on this Site may seriously cripple the user experience and other features on the Site, to the point of rendering them useless.

In this Cookies Policy, we use the term ClearQuote (and “we”, “us” and “our”) to refer to ClearQuote Technologies India Pvt Ltd

What is a cookie?

Cookies are computer files containing small amounts of information which are downloaded to your computer or mobile device when you visit a website.  Cookies can then be sent back to the originating website on each subsequent visit, or to another website that recognizes that cookie. Cookies are widely used in order to make websites work, or to work more efficiently, as well as to provide information to the owners of the website.

Cookies do lots of different jobs, like letting you navigate between pages efficiently, remembering your preferences, and generally improving the user experience. Cookies may tell us, for example, whether you have visited our Site before or whether you are a new visitor.

There are two broad categories of cookies:

  • First party cookies, served directly by us to your computer or mobile device.
  • Third party cookies, which are served by a third party on our behalf.  We use third party cookies for functionality, performance / analytics, and social media purposes.

Cookies can remain on your computer or mobile device for different periods of time. Some cookies are ‘session cookies’, meaning that they exist only while your browser is open. These are deleted automatically once you close your browser. Other cookies are ‘permanent cookies’, meaning that they survive after your browser is closed. They can be used by websites to recognize your computer when you open your browser and browse the Internet again.

Web beacons:

Cookies are not the only way to recognize or track visitors to a website. We may use other, similar technologies from time to time, like web beacons (sometimes called “tracking pixels” or “clear gifs”). These are small graphics files that contain a unique identifier that enable us to recognize when someone has visited our website. This allows us, for example, to monitor the traffic patterns of users from one page within our website to another, to deliver or communicate with cookies, to understand whether you have come to our website from an online advertisement displayed on a third party website, to improve website performance and to measure the success of email marketing campaigns. In most instances, these technologies are reliant on cookies to function, and therefore declining cookies prevents them from functioning.

If you don’t want your cookie information to be associated with your visits to these pages, you can set your browser to turn off cookies as described further below. If you turn off cookies, web beacon and other technologies will still detect your visits to our Site; however, they will not be associated with information otherwise stored in cookies.

Targeted advertising

Third parties may drop cookies on your computer or mobile device to serve advertising through our website. These companies may use information about your visits to this and other websites in order to provide relevant advertisements about goods and services that you may be interested in. They may also employ technology that is used to measure the effectiveness of advertisements. The information collected through this process does not enable us or them to identify your name, contact details or other personally identifying details unless you choose to provide these to us.

How do we use cookies?

We use cookies to:

  • track traffic flow and patterns of travel in connection with our Site; 
  • understand the total number of visitors to our Sites on an ongoing basis and the types of internet browsers (e.g. Chrome, Firefox, Safari, or Internet Explorer) and operating systems (e.g. Windows or Mac) used by our visitors;
  • monitor the performance of our Site and to continually improve it; and
  • customize and enhance your online experience.

What types of cookies do we use?

The types of cookies used by us in connection with the Site can be considered ‘essential website cookies’, ‘functionality cookies’, and ‘analytics and performance cookies’. We’ve set out some further information below, and the purposes of the cookies we set in the following table.

  1. Cookies necessary for essential website purposes

These cookies are essential to provide you with services available through this Site and to use some of its features, such as access to secure areas. Without these cookies we will not be able to provide services that you require, such as transactional pages and secure login accounts.

  1. Functionality Cookies

These cookies record information about choices you’ve made and allow us to tailor the website to you. These cookies allow us to provide you with our services in the way in which you have required, as you continue to use or come back to our Site.  For example, these cookies allow us to:

  • Save your location preference if you have set your location on the homepage in order to receive a localized information;
  • Remember settings you have applied, such as layout, text size, preferences, and colors;
  • Show you when you are logged in; and
  • Store accessibility options.
  1. Performance / Analytics Cookies

We use performance/analytics cookies to analyze how the website is accessed, used, or is performing. We do this in order to provide you with a better user experience and to maintain, operate and continually improve the website. For example, these cookies allow us to:

  • Better understand our website visitors so that we can improve how we present our content;
  • Test different design ideas for particular pages, such as our homepage;
  • Collect information about Site visitors such as where they are located and what browsers they are using;
  • Determine the number of unique users of the website;
  • Improve the website by measuring any errors that occur; and
  • Conduct research and diagnostics to improve product offerings.
  1. Marketing

We use marketing cookies to deliver many types of targeted digital marketing.. We do this in order to provide you with a better user experience and to maintain, operate and continually improve the website. The cookie store user data and behavior information, which allows advertising services to target the audience according to variables. For example, these cookies allow us to:

  • Observe the site performance and generate retargeting (Site retargeting, search retargeting, etc).
  • Maintain and improve the website and our products

How to control or delete cookies

Most browsers allow you to change your cookie settings. These settings will typically be found in the “options” or “preferences” menu of your browser. In order to understand these settings and learn how to use them, please consult the “Help” function of your browser, or the documentation published online for your particular browser type and version.

However, please note that if you choose to refuse cookies you may not be able to use the full functionality of our Site.

The following pages have information on how to change your cookies settings for the different browsers:

Third Party Websites’ Cookies

When using our website, you may be directed to other websites for such activities as surveys, etc. These websites may use their own cookies. We do not have control over the placement of cookies by other websites you visit, even if you are directed to them from our website.

If you use the buttons that allow you to share products and content with your friends via social networks like Google, Twitter and Facebook, these companies may set a cookie on your computer memory. Find out more about these here:

https://www.facebook.com/about/privacy

http://twitter.com/privacy

http://www.google.com/intl/en-GB/policies/privacy

Need More Information?

If you would like to find out more about cookies and their use on the Internet, you may find the following link useful:

Cookies that have been set in the past

If you have disabled one or more Cookies, we may still use information collected from cookies prior to your disabled preference being set, however, we will stop using the disabled cookie to collect any further information.

Contact us

If you have any questions or comments about this cookies policy, or privacy matters generally, please contact us via email at hello@clearquote.io.