Security and Privacy
At Investor Desktop, security and privacy is of the
utmost importance to us. We take the following steps to protect
the personal information we may receive. [The following still
needs to be customized for our specific purposes]
We believe you have the right to know the privacy policies
of the sites you visit. Investor Desktop is committed to data
security, and protects your personally identifiable information.
Investor Desktop is a licensee of the TRUSTe Privacy Program.
This statement discloses the privacy practices for the Investor
Desktop site. When you visit a Web site displaying the TRUSTe
Trustmark, you can be expected to be notified of: What personally
identifiable information of yours is collected; The organization
collecting the information; How the information is used; With
whom the information may be shared; What choices are available
to you regarding collection, use and distribution of the information;
The kind of security procedures that are in place to protect
against the loss, misuse or alteration of information under
Investor Desktop's control; and How you can correct any inaccuracies
in the information. Questions regarding this statement should
be directed to [email protected].
If we have not responded to your inquiry regarding our privacy
policy within five business days or your inquiry has not been
satisfactorily addressed, please contact TRUSTe at http://www.truste.org/users/watchdog.html.
Q&A About Privacy
In order to make it easier to understand Investor Desktop's
privacy policies, we've arranged this document in a question
and answer format.
How does Investor Desktop use my information?
Investor Desktop uses your personally identifiable information
to prepare your insurance profile. From this profile, Investor
Desktop generates instant, online quotes (as available) using
the rating methods of our participating insurance companies.
If you meet their criteria, other participating insurance
companies may offer to provide an offline quote. Unless you
expressly give us permission to do so, or unless required
by law, Investor Desktop does not willfully use or disclose
personally identifiable information. However, we may share
aggregated statistical information about the use of the Investor
Desktop web site with our participating insurance companies
or business partners. Even in this case, individual users'
personally identifiable information is not disclosed.
How do Investor Desktop's participating
insurance companies use my information?
All of the companies use the information you provide for one
general purpose: to provide you with an accurate insurance
quote. Personally identifiable information such as name, address,
or Social Security number is collected as part of the process
of requesting a quote. Companies use your personally identifiable
information in combination with other information you provide
about your insurance needs. However, the rating criteria may
be different for each participating insurance company and
each company may place different emphasis on particular aspects
of your information. Where permitted by law, your personally
identifiable information may also be used to request a credit
report or your claims history from a third party, or to verify
other information you have provided.
When do you send my information to an insurance
company? Do I have control over this?
Yes, you always have total control over whether Investor Desktop
sends your personally identifiable information to insurance
companies, and to which companies this information is sent.
To request coverage from a company that has offered an online
quote, or to request an offline quote, you can choose to send
your name, contact information, and the detailed information
you provided on the quote request form to one or more insurance
companies. In either case, this information is only sent at
your direction.
Why do some of Investor Desktop's quote
request forms require so much information?
Investor Desktop works with many insurance companies. Since
these companies use different criteria to rate prospective
customers, the form must encompass a wide range of questions.
The comprehensive form ensures that you receive the largest
number of quotes for your particular circumstances. The consequence
of declining to provide some requested information is that
Investor Desktop may be unable to provide quotes from participating
insurance companies.
How can I change my information?
At any point in the request for quote process, you can use
your browser's back button to return to previous pages. When
you have returned to one of the summary pages, select the
"Change" button to modify your information. How do I access
my information? To retrieve your previously entered information,
select the "Returning User" button on the first page of the
quote request form. After you enter your user name and password,
you will be able to view the form containing the information
you entered earlier.
After I request quotes at Investor Desktop,
who will contact me?
If you request quotes or coverage at Investor Desktop, representatives
of the companies you have selected will contact you with information
regarding your quotes or coverage. You will only be contacted
by these representatives if you specifically have requested
it. In addition, Investor Desktop e-mails a quality control
survey to all customers who request quotes or coverage. This
survey is sent out within 4-5 days after your request, and
is completely optional.
Does Investor Desktop sell my information
to other companies?
No. Investor Desktop never resells, trades, leases or rents
the personally identifiable information of our users to other
companies.
Does Investor Desktop store my information?
Yes. All information submitted through Investor Desktop's
quote request forms is stored on our servers. Investor Desktop
does not use this information except to process your request
to provide quotes, or with your permission: to forward it
to an insurance company when you request coverage, and to
save in your personal account to make it convenient to come
back.
Does Investor Desktop allow me to correct
the information?
Yes. You can change the information you provide at any time.
Your right to review and correct information obtained from
third parties, such as credit reports, is subject to a variety
of federal and state laws.
How does Investor Desktop protect my information
as it passes over the Internet?
Our auto, homeowners, renters, individual health and term
life quote request forms use the SSL (Secure Sockets Layer)
protocol. With SSL, when you enter the Investor Desktop home
page your information is encrypted as it travels between your
computer and our servers. Encryption makes it exceedingly
difficult for others to view your information. When you either
request coverage from an insurance company that has offered
an online quote, or request an offline quote, Investor Desktop
transmits your information to the company you select. Investor
Desktop offers encryption to each of its participating carriers,
and requires carriers to employ it when receiving such information
as Social Security numbers or credit card information.
Does Investor Desktop use "cookies"?
Yes, some of Investor Desktop's pages do use "cookies" � one
or more small text files saved on your computer's hard drive
and stored in memory while your browser is running. Investor
Desktop assigns a random number to each user and stores this
number as a cookie on the user's computer. This allows Investor
Desktop to correlate user activity throughout our site and
track usage patterns.
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