Privacy Policy

Privacy Policy

 

Last Updated: February 14, 2022

We understand that you value your privacy. This Privacy Policy explains how MoneyWizard.co (“Company,” “we,” or “us”) collects, uses, shares, and protects information of the users of Company’s Service. Words capitalized in this Privacy Policy have the same definition as provided in the Terms of Service. By using or accessing the Service, you signify your agreement to this Privacy Policy and the Terms of Service and agree you are a U.S. resident over 18 years of age; if you do not agree, you must not use or access the Service.

Company helps connect consumers with third-party Providers, such as insurance companies and agents. By submitting a Request Form for an insurance quote or comparison, or contacting us, you expressly authorize us to share your information with third parties, including Providers, who may contact or communicate with you about your request or to obtain further information. This Privacy Policy only applies to MoneyWizard’s Service and not to websites, applications, platforms, or services of third parties, such as third-party Providers. Each third party will have its own data collection and usage practices, and Company is not responsible for any third-party practices or content.

  1. Who controls your information?

Any information or other data provided to or gathered by Company is controlled by:
PathIQ
32 Avenue of the Americas
New York, NY, 10013
marketing@pathiq.co

  1. What types of information are collected?

As part of its Service, Company collects the following “information” (i.e., personal information that identifies, relates to, describes, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular user or household):

  • We collect information from you when you voluntarily provide it to us over the Service, such as your name, email address, postal address, phone number, date of birth, desired plan type, whether you smoke, and whether you have major medical conditions. Note that third-party Providers or their agents may also ask you to voluntarily provide other information, including certain personal health information, such as any major health conditions, prescription medications that you or a family member may be taking, whether or not you have been hospitalized in the past 5 years, and whether or not you have been treated by a doctor for a major health condition in the past year.
  • Content You Make Public.We may collect information that you have made public, such as if you post a public review. You should carefully consider what information you choose to make public as Company cannot control transmission of public content.
  • Device/Internet Connection Information.We automatically collect information made available by your device, web browser, and internet service provider, depending on your settings for each. For example, we may collect your IP address, information about your operating system or type of device,  unique device identifiers, access times and dates, number of clicks, pages viewed, one or more cookies (as described below) that may uniquely identify your browser, and referring website addresses.
  • Internet Activity Information.We may collect information about your browsing history, search history, and information regarding your interaction with a particular website, application, or advertisement, including the Service, when and after you use the Service.
  • Geolocation Information.We may collect information about where you are located, both generally and at the time you access the Service, such as from your IP address.
  • Other Information.From time to time, you may be given the opportunity to participate in sweepstakes, contests, giveaways, or other promotions and programs offered by us, either alone or with promotional partners. Such participation may request your information.
  • Inference Information.We may also create new information about you by drawing inferences from the information identified above, such as to create a profile about users.
  1. How and when is your information collected?

Company collects information about you through the following sources and means:

  • When You Provide Information.Company collects information you provide, content you make public, transaction information, geolocation information, and other information when you provide such information through or interact with the Service. For example, when you submit a Request Form, we collect information pertinent to connect you with Providers.
  • Through Communications.Company may collect information you provide via email, the Website, phone or other methods, content you make public, transaction information, geolocation information, and other information outside of the Service, such as if you contact customer service.
  • Through Cookies, Tracking Tools, and Other Automated Technologies.When you access and use the Service, we may automatically collect your device and internet connection information as well as internet activity information, and we may gather information through cookies, web beacons, and other technologies. “Cookies” are files that are placed on your computer or other device by websites you visit. The primary purpose of a cookie is to identify you as a unique user of the Service. Company uses “necessary,” “preference,” “analytics,” and “advertising” cookies, some of which are placed by third parties, to customize your user experience, keep you logged in, remember your search terms, and advertise to you. You can change your cookie settings in your browser; however, if you disable cookies, the Service may not function correctly. In addition, we may track click-through information from emails sent to users.
  • Other Information.From time to time, we may collect other information from you, such as if you make a claim with customer service or participate in our sweepstakes or promotions. We may combine such information with other information we have collected.
  • From Third-Party Automated Technologies.Like many websites, Company collects transaction information, device/internet connection information, internet activity information, geolocation information, and other information from third-party cookies, tracking tools, and other automated technologies, such as through the following:
Third Party Partner Description Privacy Policy Opt-Out Methods
Google To deliver targeted ads. Google Privacy Policy Install the Google Analytics Opt-out Browser Add-on:  https://tools.google.com/dlpage/gaoptout. To opt out of Google Ads, please visit:  http://www.google.com/settings/ads
Facebook To deliver targeted ads. Facebook Data Policy To manage your ad preferences please visit:  https://www.facebook.com/about/ads or Login to Facebook and go to Settings > Ads > Ad Settings (web) or Ad Preferences > Ad Settings (app) for more information.
Pinterest To deliver targeted ads. Pinterest Privacy Policy To opt-out enable the “Do Not Track” functionality of your web browser or follow Pinterest’s instructions:  https://www.pinterest.com/settings/ and updating your “Personalization” preferences
LinkedIn To deliver targeted ads. LinkedIn Privacy Policy To review your options regarding advertising, please visit: https://www.linkedin.com/help/linkedin/answer/62931/manage-advertising-preferences?lang=en
Twitter To deliver targeted ads. Twitter Privacy Policy To manage your privacy options, please visit https://help.twitter.com/en/safety-and-security/privacy-controls-for-tailored-ads.

Remember, you can change your cookie settings in your internet browser (e.g., Chrome, Edge, Firefox).  For more information, see https://www.allaboutcookies.org/. You can also better learn about third-party data collection and advertising practices, including how to revoke your consent to personalized advertisements, at the following websites:

www.networkadvertising.org/choices

www.aboutads.info/choicesWe may combine data collected from third party sources.

  1. How is your information used?

Company uses personal information for the following “Business Purposes” (i.e., uses reasonably necessary and proportionate to achieve an operational purpose):

  • To Provide the Service.We use information to provide the Service, such as to display customized content and advertising and to connect you with third-party Providers, who may contact you to provide your requested quote and related information. As outlined in the Terms of Service, by seeking information through the Service, you authorize Company and third-party Providers to contact and communicate with you, including over email and telephone. Further, as we grow, we may add offerings and use and analyze your information to determine whether such offerings may be of interest to you.
  • To Improve the Service, Business and Company Website.We use information to improve the Service, such as to debug, identify, and repair errors that impair functionality of the Service, and to gather statistical information for analytics and to improve performance via technological development.
  • To Personalize Your Experience.We use information, such as from cookies and automated technologies, to allow you to set personal preferences.
  • To Communicate with You.We use information to personalize communications with you, respond to requests and inquiries, follow up with you after you have communicated with us or submitted information to us via email, website or using other means, send you newsletters (if you subscribe) and information that may be of interest to you, and notify you of updates to our Terms of Service and Privacy Policy.
  • For Security.We  use information to detect security incidents, protect against malicious, fraudulent, or illegal activity, and to investigate those responsible. If we learn of a security breach, we may use your information to notify you.
  • To Create Deidentified Aggregate Information.We may combine your information with that of other users to create “Aggregate Information” (, statistical information about all users or a subset thereof). Aggregate Information is pseudonymized and deidentified and is not used to identify, relate to, describe, be capable of being associated with, or be linked, directly or indirectly, to a particular consumer, including you. In turn, Aggregate Information may be used by Company for any of the Purposes listed herein.

Company uses personal information for the following “Commercial Purposes” (i.e., uses intended to advance Company’s business interests, such as advertising or marketing a product or service):

  • To Advertise to You.We  use information, such as information collected through cookies and automated technologies, for marketing,  analytics and profiling technology to customize your experience, statistical purposes, deliver content (including advertising) tailored to your interests and how you use our Services, to market to you through targeted advertising. .
  • To Build a Profile.We may create new information about you by drawing inferences from the information identified in the categories listed in Section 2, such as to create a profile about you reflecting your preferences and trends.
  • To Advertise to Others.We may share your public content, such as a public post, review, or blog post, to market our Service in our advertising, such as on social media.
  • For Research and Legal Purposes. We use your information for marketing, research and legal purposes.

 

We use your information as otherwise specified at the point of Personal Information collection.

  1. How is your information shared?

Company may share the information outlined in Section 2 to the following categories of third parties for the following Purposes:

Third Parties Purposes Types of Information
Providers. If you submit a Request Form or contact us, we may share your information with third-party Providers to process and fulfill your request. Providers may maintain your information whether or not you elect to purchase or use their services. To Provide and Improve the Service; to Respond to your inquiries; to Earn Revenue Through the Sale of Information. See also Section 6. Information Outlined in Section 2
Service Providers. Third parties who support the Company and its operations and allow Company to provide the Service. Examples include phone number verification providers, security and fraud detection vendors and email service providers. These third parties have agreed to keep personal information confidential and use it only to provide the applicable service(s). For Security; to Provide and Improve the Service; to Personalize User Experience. Information Outlined in Section 2
Our Affiliated Entities. Affiliated entities are different than third parties in that they are businesses that are directly related to us and have common ownership with us. We may disclose, transfer, and sell your information to our affiliated entities, in which event, your information shall be treated by the affiliated companies in accordance with this Privacy Policy. Should we be subject to an acquisition, merger, sale, or other change of control or business entity status, joint venture, assignment, transfer or other disposition of all or any part of the business including any negotiation thereof; we reserve the right to transfer or assign your information as part of that proceeding. For Security; to Provide and Improve the Service; to Personalize User Experience; to Create Aggregate Information. Information Outlined in Section 2
Government Officials and Private Parties Pursuant to Valid Legal Process. We may disclose information to comply with our policies, procedures, and legal obligations including in response to subpoenas, court orders, and other legal processes, resolving disputes, and enforcing our legal agreements and policies, when  necessary to prevent illegal, fraudulent, or injurious actions that may cause harm. To Comply with Legal Obligations; enforcing agreements and policies; to Prevent Illegal, Fraudulent, or Injurious Actions. Information Outlined in Section 2
Advertising Partners. We may disclose your information to our third-party advertising partners including social media companies like Google, Facebook and Pinterest.  For example, we may share information gathered through cookies and tracking technologies to allow a third party to advertise products and services to you on or after you leave the Service. To Advertise to You; to Advertise to Others; to create aggregated information. See also Section 3. Device/Internet Connection Information; Internet Activity Information; Geolocation Information
  1. Do we sell your information to others?
  • Please take notice that your information may be sold to third parties for use in their own research, analytical, marketing and advertising activities. See Section 10 below for more information regarding the categories of information that may be sold.

 

RIGHT TO OPT-OUT OF SALE OF PERSONAL INFORMATION / CCPA (California)

You have the right to direct Company not to sell your information. You may do so by:

  1. How is your information protected?

Company employs technical, administrative, and physical security measures that are designed to protect against the loss, misuse, and alteration of the information under our control. For example, if you enter sensitive information into a Request Form seeking such information, we encrypt that information using secure socket layer technology (SSL). However, no system can be completely secure. Therefore, although we take steps to secure your information, we cannot promise, and you should not expect, that your personal and commercial information will always remain secure. The safety and security of your information also depends on you. You must notify us as soon as possible if you believe your security has been breached. Users are also responsible for any information provided on the Service. If a security breach does occur, we may post a notice on our Service or send you a notification to your email address or address on record. If you have any questions about privacy or security issues, contact us as outlined in Section 13.

  1. How long do we keep your information?

We will retain your information for the length of time necessary to fulfill the Purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by applicable law or a valid court order. If you request deletion of your information, your request will be processed according to the timeframes indicated therein and/or pursuant to any applicable legislation.

  1. Is your information transferred to a different country?

Your connection will be through and to servers located in the United States and Canada, and all information you provide will be processed and maintained in our web servers and internal systems located within the United States and Canada. By using the Service, you authorize and specifically consent to the transfer of personal information to the United States and Canada and its storage and use as specified herein.

  1. What are your rights when it comes to accessing, correcting, or deleting your information, and how can you exercise them?

Under certain privacy legislation, such as the California Consumer Privacy Act (CCPA) , you may request to  know,  delete, and opt-out of the sale of your personal information. These requests can be made by emailing Company at marketing@pathiq. We will not discriminate against you for making a privacy request or asserting privacy rights.

To protect your privacy and security, we  take reasonable steps to help verify your identity before granting your request. Once we receive your CCPA Request, we will begin the process to verify that you are the person that is the subject of the request (the “Verification Process”).  The Verification Process consists of matching identifying information provided by you with the information we have about you in our records.  Upon making a request, you should be prepared to provide us with information that will help us to verify your identification.  If we cannot verify your identity, we will not be able to respond to your request.

You may designate an authorized agent to make a request on your behalf under the California Consumer Privacy Act. We will require authorized agents to provide proof of the consumer’s consent to and designation of the authorized agent for purpose of making the request, and will require authorized agents to provide information necessary to verify the identity of the consumer who is the subject of the request.  We may also require that a consumer verify his or her own identity directly with us before we respond to an authorized agent’s request

We reserve the right to deny requests in certain circumstances, such as where we have a reasonable belief that the request is fraudulent.

Please note that in some cases it may be necessary for you to contact other third parties who may have received your information and separately request updates to or deletions of your information. In particular, you may be authorized to make the following requests:

  • Right to Know

You have the right to request that we disclose the following to you: the categories of personal information we have collected about you; the categories of sources from which the personal information is collected; the business or commercial purpose for collecting or selling personal information; the categories of third parties with whom we share personal information; and the specific pieces of personal information we have collected about you.

You also have a right to know if we have sold or disclosed your personal information for a business purpose over the past 12 months and, if so, the categories of personal information sold or disclosed and the categories of third parties to whom the personal information was sold or disclosed, along with the business or commercial purpose for which the personal information was sold or disclosed.

Information Collected. Within the past 12 months, we have collected categories of Personal Information about California consumers as described in Section 2.

Information Sold or Disclosed.

We have disclosed Personal Information to third parties for a business or commercial purpose in the preceding 12 months as follows:

  • Identifiers
  • Content You Make Public
  • Transaction Information
  • Device/Internet Connection Information
  • Internet Activity Information
  • Geolocation Information
  • Other Information
  • Inference Information

For details regarding the categories of third parties with whom we have disclosed this information, please see Section 5.

We have sold Personal Information to third parties for a business or commercial purpose in the preceding 12 months as follows:

  • Identifiers
  • Content You Make Public
  • Transaction Information
  • Device/Internet Connection Information
  • Internet Activity Information
  • Geolocation Information
  • Other Information
  • Inference Information

For details regarding the categories of third parties to whom we have sold this information, please see Section 5.

We do not knowingly sell the personal information of individuals under 16 years of age.

  • Right to Delete

You have the right to request that we delete any personal information about you.

We will retain correspondence, documents and information related to any Request to Know, Request to Delete, or Request to Opt-Out for 24 months as required by law.

  • California Shine the Light Disclosure

Under California’s “Shine the Light” law, California residents who provide personal information to the Service may request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes.

  • RIGHT TO OPT-OUT OF SALE OF PERSONAL INFORMATION

As explained in Section 3 of this Policy, we and our third-party partners such as social networking sites and advertising companies, share your data in order to serve you with ads tailored to your preferences across various platforms.

You have the right, at any time, to direct Company not to sell your information. You may do so by filling out the Do Not Sell My Personal Information form at https://moneywizard.co/do-not-sell/.

You can opt out of cookies using your browser.  Additionally, you may also exercise your right to opt-out of cookies and automated technology used by Company and third party partners using the opt-out methods identified in Section 3.

Please Note:

  • Opt-outs are device and browser based.  You must opt out on each device and each browser where you want your choice to apply.
  • Opt-outs maybe stored via cookies.  If you clear cookies, your opt-out may no longer be valid and you must opt out again where you want your choices to apply.
  • We may still share your Personal Information with our service providers that help us perform functions that are necessary for our business such as vendors that host our Site, analytics processors, etc.  These entities are contractually obligated to keep this information confidential and not use it for any purpose other than for the services they provide to our business.
  • You may still receive ads from us that are not tailored to your interests.
  1. How do we protect the privacy of children?

You must be 18 or older to use the Service. We will never knowingly collect any personal information about children under the age of 13. If we obtain actual knowledge that we have collected personal information about a child under the age of 13, that information will be deleted from our database. Because we do not collect such information, we have no such information to use or to disclose to third parties. We have designed this policy in order to comply with the Children’s Online Privacy Protection Act (COPPA).

  1. How can you opt-out from marketing communications?

By submitting a Request Form or contacting us, you also consent to receiving insurance quote reminders and marketing communications, such as special promotions. Providing consent is not a condition of purchasing any goods or services. You can unsubscribe from marketing communications at any time by emailing the Company at marketing@pathiq.co. If you unsubscribe, we may still send you any non-promotional communications, such as updates to our Privacy Policy and Terms of Service.

  1. Do we respond to Do Not Track (DNT) Signals?

DNT is a feature offered by some browsers which, when enabled, sends a signal to websites to request that your browsing is not tracked.  Company does not currently respond to DNT requests.

  1. How will you know when we change this Privacy Policy?

Each time you use the Service, the then-current version of this Privacy Policy will apply. Although most changes are likely to be minor, we reserve the right to modify this Privacy Policy by posting such modification on the Service. Unless we receive your express consent, any revised Privacy Policy will apply only to information collected after the effective date of such revised Privacy Policy and not to information collected under any earlier version.

  1. How can you contact us regarding this Privacy Policy?

If you have any questions, comments, or concerns about us or this Privacy Policy, please contact us by emailing us at marketing@pathiq.co. Your communications may be stored and, if needed, may be relayed to third parties for the purpose of processing any request by you in the communication.