Last Updated: July 1, 2021
Overview of Categories of Personal Information Collected and Purposes of Use
This overview is intended to summarize key information about our information practices, which are further explained below. (Skip to full details.) While the actual information we collect about you and our use of such personal information varies depending upon the nature of our relationship and interactions with you, below we provide an overview of the categories of personal information we collect about Users and the purposes for which we use such information.
|Categories of Personal Information Collected
(described in greater detail below).
|Use of Personal Information|
|Name, contact information and other identifiers: identifiers such as a real name, alias, address, unique personal identifier, online identifier, Internet Protocol (IP) address, email address, account name, social security number, driver’s license number, passport number, or other similar identifiers.||Providing our Services and related support
Protecting the integrity of the Services
Analyzing and improving the Services and our business
Personalizing the Services
Advertising, marketing and promotional purposes
Securing and protecting our business
Defending our legal rights
Auditing, reporting, corporate governance, and internal operations
Complying with legal obligations
|Customer records: paper and electronic customer records containing personal information, such as name, signature, physical characteristics or description, address, telephone number, education, current employment, employment history, social security number, passport number, driver’s license or state identification card number, insurance policy number, bank account number, credit card number, debit card number, or any other financial or payment information, medical information, or health insurance information.|
|Protected classifications: characteristics of protected classifications under California or federal law such as race, color, sex, age, religion, national origin, disability, citizenship status, and genetic information.|
|Commercial Information: including records of products or services purchased, obtained, or considered, or other purchasing or use histories or tendencies.|
|Internet or Other Electronic Network Activity Information: including, but not limited to, browsing history, search history, and information regarding a consumer’s interaction with an Internet website, application, or advertisement.|
|Audio, Video and other Electronic Data: audio, electronic, visual, thermal, olfactory, or similar information such as, CCTV footage, photographs, and call recordings.|
|Employment history: professional or employment-related information.|
|Education information: education information that is not publicly available personally identifiable information as defined in the federal Family Educational Rights and Privacy Act (20 U.S.C. section 1232g, 34 C.F.R. Part 99).|
|Profiles and inferences: Inferences drawn from any of the information identified above to create a profile reflecting a resident’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, or aptitudes.|
California residents. If you are a California resident, please be sure to review the section Additional Information for California Residents below for important information, as required by California privacy laws, about the categories of personal information we collect and disclose and your rights under California privacy laws.
Personal Information Collected
The information we collect about individuals varies depending upon the circumstances and the Services used. TRANZACT collects personal information directly from individuals, automatically related to the use of the Services, and in some cases, from third parties (such third parties that provide us with information about individuals who may be interested in our Services).
Information Collected Directly. We collect information that you provide to us when you inquire about or use our Services, request a quote, fill out forms or fields on the Sites, create or submit an application, request information from us, sign up for newsletters or our email list, participate in a survey or promotion, or when you otherwise communicate with us or request information from us, whether via the Site, telephone, email or other means. For example, you may be required to provide us with certain information, including, without limitation, some or all of the following information:
- E-mail address
- Daytime telephone number
- Evening telephone number
- Cellular phone number
- Zip Code
- Year of Birth and/or
- Other personal or company information reasonably required to use the Services.
In addition, if you decide to use the Services to apply for insurance offered by a Third Party Insurer, we may collect additional information as necessary to submit your application to such Third Party Insurer for processing. This additional information may include gender, full address, birth date, government-issued identification number (such as a Driver’s License number, social security number or Medicare ID), credit/debit card number, financial account information, income and/or certain medical and health information.
Information Received from Third Parties. We may work with third parties who provide us with the name, contact details and other relevant information about potential customers, who may be interested in the Services, as well as third parties that assist us in updating or enhancing the information that we have collected about individuals. The personal information we collect from third parties may be combined with the other information we have collected about individuals or demographic information obtained from secondary sources. In addition, when we help an individual identify, apply for or obtain insurance from a Third Party Insurer, we may receive limited information back from Third Party Insurer when your Policy is issued (such as the date, term, premium amount, payment terms, etc.).
Use of Personal Information
We may use the personal information that we collect about you for the following purposes:
- Providing our Services and related support: including to confirm, process, or otherwise complete a transaction or transactions requested by you; help fulfill your requests for products and services; to communicate with you about you use of our Services; to respond to your inquiries; to facilitate your application for one or more Policies; to provide troubleshooting and other technical support; submitting your credit card or other payment information when ordering and/purchasing products or services through the Services; and for other customer service and support purposes.
- Protecting the integrity of the Services: including to verify your identity; to detect and prevent fraud and unauthorized activities; to facilitate software; to preserve the integrity of the Services and our systems, and prevent unauthorized access and activities; to enforce our applicable terms; and to protect the rights and safety of others
- Analyzing and improving the Services and our business: including to better understand how users access and use our Services; to evaluate and improve the Services and our business operations; to develop new features, offerings and services; to conduct surveys and other evaluations; and for other research and analytical purposes.
- Personalizing the Services: including to tailor content we send or display on our Sites and Services (e.g., for your geographic area); to offer personalized help and instructions; and/or to otherwise personalize your experiences with the Services.
- Advertising, marketing and promotional purposes: including to send or display targeted marketing and advertising on the Site, via email, direct mail, telephone, or across other websites, mobile applications, social media or other online services from us or on behalf of our partners and affiliates; to reach you with more relevant ads and to evaluate, measure and improve the effectiveness of our ad campaigns; to contact you about our Services, and/or those of our affiliates, as well as other information we think may interest you; and/or to share your information with third parties so that they may contact you with information about products and services you may be interested in. Where required by applicable law, we will obtain your consent to use your personal information for marketing and related purposes. We do not use personal information that you provide us on your insurance application(s), or personal information that you provide when you make a Request or submit an Application to a Third Party Insurer, for marketing or advertising purposes.
- Securing and protecting our business: including to protect and secure our business operations, assets, Services, network and information and technology resources; to investigate, prevent, detect and take action regarding fraud, unauthorized access, situations involving potential threats to the rights or safety of any person or third party, and/or other unauthorized activities or misconduct.
- Defending our legal rights: including to manage and respond to actual and/or potential legal disputes and claims, and/or to otherwise establish, defend or protect our rights or interests, including in the context of anticipated or actual litigation with Users or third parties.
- Auditing, reporting, corporate governance, and internal operations: including relating to financial, tax and accounting audits; audits and assessments of our operations, privacy, security and financial controls, risk, and compliance with legal obligations; our general business, accounting, record keeping and legal functions; to maintain appropriate business records; to enforce company policies and procedures; and/or related to any actual or contemplated merger, acquisition, asset sale or transfer, financing, bankruptcy or restructuring of all or part of our business.
- Complying with legal obligations: including to comply with the law, our legal obligations and legal process, such warrants, subpoenas, court orders, and/or regulatory or law enforcement requests.
Disclosure of Personal Information
We may share or disclose the personal information we collect as follows:
- Subsidiaries and Affiliates: We may share your information with our affiliated companies (i.e., companies under common ownership, control or management with us) for business, operational, promotional and marketing purposes.
- Service providers: We may disclose personal information with third-party service providers who use this information to perform services for us, such as hosting providers, auditors, advisors, consultants, customer service and/or support providers.
IF YOU MAKE A REQUEST OR SUBMIT AN APPLICATION, YOU ACKNOWLEDGE, UNDERSTAND AND CONSENT TO OUR DISCLOSURE OF YOUR PERSONAL INFORMATION TO THE RELEVANT THIRD PARTY INSURER(S) WHO MAY CONTACT YOU DIRECTLY VIA TELEPHONE, FAX, AND/OR EMAIL; YOU MAY RECEIVE TELEPHONE CALLS AS A CONSEQUENCE OF SUBMITTING A REQUEST ON THIS SITE, EVEN IF YOU ARE ON THE NATIONAL DO NOT CALL REGISTRY OR ANY OTHER DO NOT CALL REGISTRY.
- Other third parties: We may disclose your information to our sponsors, partners, advertisers or other third parties to provide you with product information and promotional and other offers. This information may be used by such third parties for those parties’ own purposes, such as to offer products or services that may interest you. For example, we may share personal information with third parties that provide advertising, campaign measurement, online and/or mobile analytics, and related services. These third parties may receive or access as browsing and/or other data about your use of the Services, in order to help us better reach individuals with relevant ads and/or measure our ad campaigns, and/or to better understand how individuals interact with our Site and online services overtime and across devices. We may also transfer and/or sell personal information we collect and/or join together with other businesses to bring selected opportunities to customers or potential customers. We do not share personal information from your insurance application, or personal information on a Request or Application to a Third Party Insurer, with third parties for marketing or advertising purposes.
- Business transfers: We may disclose and/or transfer personal information as part of any actual or contemplated merger, sale, transfer of assets, acquisition, financing and/or restructuring of all or part of our business, bankruptcy or similar event, including related to due diligence conducted prior to such event where permitted by law.
- Legally required: We may disclose personal information if we are required to do so by law (e.g., to law enforcement, courts or others, e.g., in response to a subpoena or court order).
- Protect our rights: We may disclose personal information where we believe it necessary to respond to claims asserted against us, to comply with legal process (e.g., subpoenas or warrants), enforce or administer our agreements and terms, for fraud prevention, risk assessment, investigation and/or to protect the rights, property or safety of Tranzact, our clients, our customers and/or others.
Aggregate and De-identified Data. We may share aggregate or de-identified information with third parties for research, marketing, advertising, analytics and/or other purposes.
Cookies and Analytics
Cookies. Cookies are alphanumeric identifiers that are transferred to your computer through your web browser for record-keeping purposes. Some cookies enable you to log-in to our Sites or save certain settings and preferences, while others, allow us to track usage and activities on our Sites, personalize content on our Sites, or deliver more relevant ads on our Sites and third party sites. Most web browsers automatically accept cookies, but if you prefer, you can edit your browser options to block them in the future. The “Help” tab on the toolbar on most browsers will tell you how to prevent your computer from accepting new cookies, how to have the browser notify you when you receive a new cookie, or how to disable cookies altogether. If you disable cookies, however, certain features on our Sites may not be available or function properly.
Pixel tags and embedded script (aka clear GIFs and web beacons). Pixel tags are tiny graphics with a unique identifier, similar in function to cookies. In contrast to cookies, which are stored on your computer’s hard drive, pixel tags are embedded invisibly on web pages. We may use these, in connection with our Sites to, among other things, track the activities users of our Services, improve ads, personalize and manage content, and gather usage information about our Sites. We may also use these in HTML emails to, to help us track email response rates, identify when our emails are viewed, and track whether our emails are forwarded.
Session Replay script. Session replay software capture information concerning your interaction with the website, including keystrokes, mouse movements, and form field entries. We may use third-party software embedded in the script of the Site to monitor your interaction with the Site and/or for our compliance verification purposes.
Do-Not-Track signals: Please note that our Sites do not recognize or respond to any signal which your browser might transmit through the so-called 'Do Not Track' feature your browser might have. If you wish to disable cookies on our Services, you should not rely on any 'Do Not Track' feature your browser might have. For more information about do-not-track signals, please click here.
Custom Lists and Matching. We may create and disclose hashed customer list information (such as name and email address) with third parties—such as Facebook and Twitter—so that we can better target ads and content to you and others with similar interests, within these third party services. These third parties use the personal information we provide to help us target ads and to enforce their terms, but we do not permit them to use or share the data we submit with other third-party advertisers.
Opt Out of Targeted Ads. You may control how participating third party ad companies use the information that they collect about your visits to our Sites, and those of third parties, in order to display more relevant targeted advertising to you; for more information and to opt-out of go to:
- optout.networkadvertising.org (Network Advertising Initiative)
- www.aboutads.info/choices (Digital Advertising Alliance)
Opting out of participating ad networks does not opt you out of being served advertising. You may continue to receive generic or “contextual” ads on our Services. You may also continue to receive targeted ads on other websites, from companies that do not participate in the above programs.
If you need to update your contact details or other personal information provided to us, please contact us as set forth in the Contact Us section below. California residents have certain rights, under California privacy laws, regarding their personal information, which are set forth below, in the Additional Information for California Residents section below.
Marketing: As noted above, we may use your contact to send you information about us and to keep you informed of our other products and services, and/or those of our affiliates, which may be of interest to you. By submitting your e-mail address at this Site, you agree to receive e-mail marketing from us and, in some instances, our third-party advertisers. In addition, you agree that such act constitutes a purchase and/or an inquiry or an application for purposes of the Telemarketing Sales Rule, 16 C.F.R. § 310 et seq., as amended from time to time (the “TSR”). Notwithstanding that your telephone number may be listed on the Federal Trade Commission’s or a State’s Do-Not-Call List, we retain the right to contact you via telemarketing in accordance with the TSR and applicable States’ laws, rules and regulations. Moreover, by requesting information from us or a third-party advertiser at or through this Site, such action constitutes a purchase and/or an inquiry or an application with the respective third-party advertiser for purposes of the TSR and you may be contacted via e-mail, direct mail and/or telemarketing by such third-party advertiser in accordance with the TSR.
Communications Preferences: You may opt out of marketing communications from us as follows:
To unsubscribe from a Third Party Insurer’s communications, you must contact such Third Party Insurer directly.
Interest Based Ads: To opt-out of certain targeted advertising, follow the instructions set forth in the Interest Based Advertising section above.
Third Party Links and Websites
Our Sites may contain links to other third-party owned and/or operated websites. We are not responsible for the privacy practices or the content of such third-party websites. In some cases, you may be able to make a purchase through one of their third-party websites. In these instances, you may be required to provide certain information, such as a credit card number, to register or complete a transaction at such website. These third-party websites have separate privacy and data collection practices and we have no responsibility or liability relating to such policies or practices.
We have taken certain physical, electronic, contractual and managerial steps to safeguard and secure the personal information we collect. Despite this, the security of the transmission of information via the Internet cannot always be guaranteed and you acknowledge this in your access and use of our Site. Please note that it is your responsibility to maintain the confidentiality of your password associated with this Site, if any. In addition to using a variety of security technologies and procedures to protect your personal information generally, to the extent your Social Security Number (“SSN”) is collected, we also take measures to maintain its confidentiality, to protect it from unlawful disclosure and limit access to it by unauthorized third parties. Specifically, we will not make your SSN available to the general public, print your SSN on any card, require your SSN to access products or services, require you to transmit your SSN on the Internet unless the connection is secure or the SSN is encrypted, or require you to transmit your SSN to access a website without requiring additional authentication.
TZ Insurance Solutions LLC
96 Linwood Plaza #144
Fort Lee, NJ 07024
IMPORTANT ADDITIONAL PRIVACY INFORMATION FOR CALIFORNIA RESIDENTS ONLY
In this section, we provide information for California residents, as required under California privacy laws, including the California Consumer Privacy Act (“CCPA”), which requires that we provide California residents certain specific information about how we handle their personal information, whether collected online or offline.
This section does not address or apply to our handling of personal information that is subject to an exemption under Section 1798.145(c) – (f) of the CCPA, such as protected health information that is subject to HIPAA or the California Medical Information Act, or publicly available data lawfully made available by federal, state or local government records. This section also does not apply to personal information we collect about job applicants, independent contractors, or current or former full-time, part-time and temporary employees and staff, officers, directors or owners of TRANZACT. This section also does not apply to personal information we collect about non-California residents.
Categories of Personal Information that We Collect, Disclose, and Sell
The table below sets out generally the categories of personal information (as defined by the CCPA) about California residents that we collect, sell, and disclose to others for a business purpose. We collect these categories of personal information from the sources described in the Personal Information Collected section above, and for the purposes described in the Use of Personal Information section above. Our collection, use and disclosure of personal information about a California resident will vary depending upon the circumstances and nature of our interactions or relationship with such resident.
|Categories of Personal Information||Do we collect?||Do we disclose for a business purpose(s)||Do we sell?|
|Name and other contact information: identifiers such as a real name, alias, address, email address, account name, social security number, driver’s license number, passport number, or other similar identifiers (e.g., related to leads and referrals).||Yes||Yes||No|
|Other identifiers: identifiers such as unique personal identifier, online identifier, Internet Protocol (IP) address, or other similar identifiers.||Yes||Yes||Yes|
|Customer records: other paper and electronic customer records (e.g. associated with your application for insurance offered by Third Party Insurer) containing personal information, such as name, signature, physical characteristics or description, address, telephone number, education, current employment, employment history, social security number, passport number, driver’s license or state identification card number, insurance policy number, bank account number, credit card number, debit card number, or any other financial or payment information, medical information, or health insurance information.||Yes||Yes||No|
|Protected classifications: characteristics of protected classifications under California or federal law such as race, color, sex, age, religion, national origin, disability, citizenship status, and genetic information.||Yes||Yes||No|
|Commercial Information: including records of products or services purchased, obtained, or considered, or other purchasing or use histories or tendencies.||Yes||Yes||No|
|Usage data: internet or other electronic network activity information, including, but not limited to, browsing history, search history, and information regarding a consumer’s interaction with an Internet website, application, or advertisement.||Yes||Yes||Yes|
|Audio, video and other electronic data: audio, electronic, visual, thermal, olfactory, or similar information such as, CCTV footage, photographs, and call recordings.||Yes||Yes||No|
|Employment history: professional or employment-related information.||Yes||Yes||No|
|Education information: education information that is not publicly available personally identifiable information as defined in the federal Family Educational Rights and Privacy Act (20 U.S.C. section 1232g, 34 C.F.R. Part 99).||Yes||Yes||No|
|Profiles and Inferences: Inferences drawn from any of the information identified above to create a profile reflecting a resident’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, or aptitudes.||Yes||Yes||No|
Categories of Sources of Personal Information
We collect the categories of personal information listed in the table above from the following categories of sources:
- from you, either directly (i.e., through information you submit to us, including via forms that you may complete and submit through our Site) or indirectly (i.e., by observing your actions on our Site);
- from 'cookies' and other similar tools deployed on parts of our Site;
- from our clients in connection with us providing professional services to them;
- from other sources, such as public databases, joint marketing partners, social media platforms (including from people with whom you are friends or otherwise connected) and from other third parties;
- from data analytics providers;
- from service providers (i.e., companies who are assisting us in fulfilling our contracts and carrying out our business, such as to perform mailings or to provide customer assistance); and
- from marketing/lead generation vendors who place advertisements for our products and services.
Categories of Third-Parties to Whom We Have Sold or Disclosed Personal Information
In the past twelve months, we have sold or disclosed certain categories of personal information as explained in the table above to the following categories of third-parties:
- our business clients;
- data analytics providers;
- service providers (i.e., companies who are assisting us in fulfilling our contracts and carrying out our business); and
- to certain lead buyers in limited circumstances.
California Resident Rights
California law grants California residents certain rights and imposes restrictions on particular business practices as set forth below.
Right to Opt-out of Sale of Personal Information: California residents have the right to opt-out of the sale of their personal information. While we do not sell personal information that you provide when you make a Request or submit an Application to a Third Party Insurer, we do share certain, limited web data that we or our advertising partners collect (such as cookies stored on your browser, the advertising identifier on your mobile device, and your IP address) to provide more relevant ads to you on our sites, apps, and on other sites that you visit, which may be considered a “sale” under certain California laws. If you are a California resident and wish to opt out of our sharing this data, you can do so by visiting our Do-Not-Sell page at https://privacyportal-eu-cdn.onetrust.com/dsarwebform/b0eab16b-b126-4f8c-98d1-26210ac40a57/6e0bc445-e062-4f84-9da6-09a946cfee22.html. We also do not sell personal information about residents who we know are younger than 16 years old without opt-in consent.
Notice at Collection: At or before the point of collection, notice must be provided to California residents of the categories of personal information collected and the purposes for which such information is used.
Verifiable Requests to Delete and Requests to Know: Subject to certain exceptions, California residents have the right to make the following requests, at no charge:
Request to Delete: California residents have the right to request deletion of their personal information that we have collected about them and to have such personal information deleted, except where an exemption applies. The instructions for submitting a verifiable Request to Delete are described in the “Submitting Requests” section below.
Request to Know: California residents have the right to request and, subject to certain exemptions, receive a copy of the specific pieces of personal information that we have collected about them in the prior 12 months and to have this delivered, free of charge, either (a) by mail or (b) electronically in a portable and, to the extent technically feasible, readily useable format that allows the individual to transmit this information to another entity without hindrance. California residents also have the right to request that we provide them certain information about how we have handled their personal information in the prior 12 months, including the:
- categories of personal information collected;
- categories of sources of personal information;
- business and/or commercial purposes for collecting and selling their personal information;
- categories of third parties with whom we have disclosed or shared their personal information;
- categories of personal information that we have disclosed or shared with a third party for a business purpose;
- categories of personal information collected; and
- categories of third parties to whom the residents’ personal information has been sold and the specific categories of personal information sold to each category of third party.
California residents may make Requests to Know up to twice every 12 months. We will respond to verifiable requests received from California residents as required by law. The instructions for submitting a verifiable Request to Know are described in the “Submitting Requests” section below.
Submitting Requests. Requests to Know and Requests to Delete may be submitted:
- Submitting a request to us at here
- By contacting us at 1-800-275-9761 (toll free)
We will respond to verifiable requests received from California residents as required by law.
We will use the following process to verify Requests to Know and Requests to Delete: We will acknowledge receipt of you Consumer Request, verify it using processes required by law, then process and respond to your request as required by law. To verify such requests, we may ask you to provide the following information:
- For a request to know categories of personal information which we collect, we will verify your identity to a reasonable degree of certainty by matching at least two data points provided by you against information in our systems which are considered reasonably reliable for the purposes of verifying a consumer’s identity.
- For a request to know specific pieces of personal information or for requests to delete, we will verify your identity to a high degree of certainty by matching at least three pieces of personal information provided by you to personal information maintained in our systems and also by obtaining a signed declaration under penalty of perjury that the requestor is the consumer whose personal information is the subject of the request.
An authorized agent can make a CCPA request on a California resident’s behalf by providing either: (1) a power of attorney valid under California law, or (2) proof that the consumer gave the agent signed permission to submit the request. The consumer must also provide either: (1) verification of their own identity with respect to a right to know categories, right to know specific pieces of personal information, or requests to delete which are outlined above or (2) direct confirmation that the consumer provided the authorized agent permission to submit the request.
Right to Non-Discrimination: The CCPA prohibits discrimination against California residents for exercising their rights under the CCPA. Discrimination may exist where a business denies or provides a different level or quality of goods or services, or charges (or suggests that it will charge) different prices, rates, or penalties on residents who exercise their CCPA rights, unless doing so is reasonably related to the value provided to the business by the residents’ data.
Financial Incentives: A business may offer financial incentives for the collection, sale or deletion of California residents’ personal information, provided the incentive is not unjust, unreasonable, coercive or usurious, and is made available in compliance with applicable transparency, informed consent, and opt-out requirements. California residents have the right to be notified of any financial incentives offers and their material terms, the right to opt-out of such incentives at any time, and may not be included in such incentives without their prior informed opt-in consent. We may make available educational materials that may be useful to individuals who are shopping for a specific type of insurance in exchange for an individual providing us their personal information and agreeing to be contacted about our and third party products and services. You may opt out of marketing communications from us at any time, as set out in the Your Choices section above.
For more information about our privacy practices, you may contact us at email@example.com.
Consumer Requests Received in 2020. In calendar year 2020, we received and responded to consumer requests under the CCPA as set forth in the table below:
|Request Type||Number of Requests Received||Number of Requests With Which We Complied (in whole or in part)||Number of Requests Denied*||Average Response Time (Number of Days)|
|Requests to Know||0||0||0||N/A|
|Requests to Delete||5||0||5||17|
|Requests to Opt-Out of the Sale of Personal Information||11||11||0||20|
*This includes requests that were denied because we were unable to verify the identity of the requestor.
Your California Privacy Rights Under the Shine the Light Law