Privacy Policy
PRIVACY NOTICE
InsuranceByRob (“Company” “we,” “our,” or “us”) is a leading provider of commercial insurances services offered through our web site as insurancebyrob.com ("Services").
This Privacy Notice (“Notice”) describes the types of personal information we may collect about you, how we collect, use, process, and disclose your personal information, and the choices you can make about how we collect, use, process, and disclose your personal information. This Notice applies to personal information collected through our website, mobile applications, third parties, the products and services we offer, and anywhere else this Notice is posted or referenced.
Personal Information We Collect and How It Is Used
We collect, use, process, and disclose your information for a variety of reasons, including to fulfill product and service orders, offer suggestions for products and services based on your content or use of our website, customize and improve the advertising and content we offer, deliver marketing communications and promotional materials to you, contact you and provide customer service or technical support, protect the security or integrity of our databases or websites, detect fraud or illegal activity, detect misuse of our sites, develop and improve our products and services, for internal operational purposes, and as identified below.
This information may be collected directly from you, indirectly from you through your device or browser when you visit our site, or from third parties including but not limited to Facebook, Facebook Instant Forms, Google Ads, Pinterest, Instagram, Youtube, and Twitter. All personal information that you provide to us must be true, complete and accurate, and you must notify us of any changes to such personal information whenever applicable.
Regulatory, Law Enforcement, and Other Situations
We may be required to provide certain information in response to a subpoena or similar judicial process to comply with applicable laws as may be permitted or required by the Family Educational Rights and Privacy Act (FERPA) or other regulatory requirements, to protect the security or integrity of our databases or website, to take precautions against liability, or in the event of a corporate reorganization, divestiture, merger, acquisition, reorganization, or sale of assets, or in the event of bankruptcy or dissolution, In such cases, we will make reasonable efforts to require the recipient to honor this Notice.
Children
Our products and services are intended for an adult audience and are not targeted directly at children. We do not knowingly solicit data or collect personal information from or market to children under 18 years of age. By contacting our Company or using our Services, you represent that you are at least 18 or that you are the parent or guardian of such a minor and consent to such minor dependent’s use of the Services. If we learn that personal information from users less than 18 years of age has been collected, we will deactivate the account and take reasonable measures to promptly delete such data from our records. If you become aware of any data we may have collected from children under age 18, please contact us at info@insurancebyrob.com.
Cookies and Similar Technologies
We may use cookies, pixel tags, local storage, and other technologies to automatically collect information. These tracking technologies are small data files downloaded to or stored on your computer, tablet, mobile phone, or other internet-enabled device that enable us to record certain pieces of information whenever you visit or interact with our email messages, website, applications, tools, and other online services. These technologies allow us to understand who has interacted with us, help us to operate our products and services more efficiently, personalize your experience on our website, improve our content and offerings, enable analytics, and show you advertisements in which you may be interested.
Cookies
Cookies are small text files that are downloaded onto your computer or other device when you access a website. Cookies allow the website to recognize your device and store information about your preferences or past actions.
Pixel Tags/Web Beacons. A pixel tag (also known as a web beacon) is a piece of code embedded on the website that collects information about your engagement on a web page. The use of a pixel allows us to record that you have visited a particular web page or have completed an action on our website.
Behavioral-based Advertising. A third party may use technology, such as a cookie on your browser or a web beacon, to identify you so that they can provide advertising about products and services tailored to your interests.
Analytics. We use Google Analytics and Google Analytics Demographics and Interest Reporting to collect information regarding visitor behavior and visitor demographics for some of our products and services and to develop marketing services and content. This analytics data is not tied to any personal information. You can opt-out of Google’s collection and processing of data generated by your use of our products and services by visiting Google Tools opt out page..
Most web browsers and some mobile operating systems and mobile applications include a Do-Not-Track ("DNT") feature or setting you can activate to signal your privacy preference not to have data about your online browsing activities monitored and collected. At this stage no uniform technology standard for recognizing and implementing DNT signals has been finalized. As such, we do not currently respond to DNT browser signals or any other mechanism that automatically communicates your choice not to be tracked online. If a standard for online tracking is adopted that we must follow in the future, we will inform you about that practice in a revised version of this privacy notice. At this time, we do not modify your experience with our Company based upon whether such a signal is broadcast.
Third Party Websites
Any links to third-party websites on our site are provided solely as a convenience to you. We do not endorse or make any representations about these websites or any products, materials, or services. Any personal information you provide on these third-party websites is subject to the privacy practices and policies of those sites. We recommend that you review each website’s privacy practices and make your own conclusions regarding the adequacy of these practices. We do not accept responsibility or liability for the privacy practices or content of any websites or services that are not operated by or for us.
Retention
We will only keep your personal information for as long as it is necessary for the purposes set out in this privacy notice and to fulfill the purposes for which it was collected, unless a longer retention period is required or permitted by law (such as tax, accounting or other legal requirements). No purpose in this notice will require us keeping your personal information for longer than we deem necessary.
When we have no ongoing legitimate business need to process your personal information, we will either delete or anonymize such information, or, if this is not possible (for example, because your personal information has been stored in backup archives), then we will securely store your personal information and isolate it from any further processing until deletion is possible.
Transfers To Other Countries
We may transfer the personal information we collect about you to countries other than the country in which the personal information was originally collected. Those countries may not have the same data protection laws as the country in which you initially provided the personal information. When we transfer your personal information to other countries, we will protect that personal information in accordance with applicable law. By providing us with your personal information, you acknowledge such transfers.
Security
We use reasonable security measures, including administrative, technical, and physical safeguards designed to protect against loss, accidental, unlawful, or unauthorized access, use, loss, access, disclosure, alteration, or destruction of your personal information.
Changes to this Privacy Notice
This Privacy Notice may be updated periodically, and without prior notice to you, to reflect changes in our privacy practices. For any material changes to this Notice, we will let you know by means of a prominent notice on our website or directly by email or other communication. We indicate at the top of this Notice when it was most recently updated. We encourage you to periodically review this page for the latest information on our privacy practices.
Last Updated: November 2022
The following terms supplement our Privacy Notice and explain the rights of California residents.
For information about what categories of personal information we may collect, the sources of that information, the purposes for collecting and using that information, and what types of service providers we may share that information with, please see above our section titled Personal Information We Collect and How IT Is Used.
Request to Know and Opt-Out of Sales
California residents have the right to request, subject to certain exemptions, that we disclose certain information to them about our collection and use of their personal information over the past 12 months. As a California resident, you have the right to request the following without charge:
To opt out of sales of personal information to third parties;
Categories of personal information we have collected about you;
Categories of sources for the personal information we have collected about you;
Business and/or commercial purposes for collecting and selling that personal information;
Categories of third parties with whom we have disclosed or shared that personal information;
Specific pieces of personal information we have collected about you;
Categories of personal information that we have disclosed or shared with a third party for a business purpose; and
Categories of third parties to whom personal information was sold.
California residents may make up to two requests to know within a 12-month period and may request to opt-out of sales of personal information at any time.
To exercise your rights under California law, please contact us via email at info@insurancebyrob.com, or by postal mail at InsuranceByRob, 4801 Johnson Rd Bldg 13-14, Coconut Creek, FL 33073, US
You may designate an authorized agent to make a request on your behalf. Your agent will need to provide a Power of Attorney authorizing the agent to act on your behalf or will need to complete the same verification procedures that would be required for a request submitted by you directly and provide information that allows us to verify your authorization.
We may deny deletion requests in whole or in part as permitted or required by applicable law. We do not charge a different price or rate or provide a different level or quality of goods or services based on your exercising your CCPA rights.
Verification
We will need to verify your identify before processing your request. To verify your identity, we must be able to match certain information you provide us to the information we maintain about you. Certain requests may require us to obtain additional personal information from you. In certain circumstances, we may decline a request to exercise the right to know and/or right to deletion, particularly where we are unable to verify your identity or locate your information in our systems, or as permitted by law
Sales of Personal Information
We disclose the following categories of personal information with third-party cookie and other ad-tech providers, who may further disclose your personal information throughout the digital advertising ecosystem. Such disclosures may be considered a sale for purposes of the CCPA.
Identifiers; California Customer Records; Internet or other electronic activity information; Geolocation data; and Inferences drawn from personal information such as preferences, characteristics, and behaviors.
We may offer financial incentives or other consideration, including payments to you as compensation, for the collection of personal information. We may also offer a different price or rate to you if that price or difference is directly related to the value provided to us by your personal information.
We may run sweepstakes or contests from time to time. Each contest or sweepstakes has its own terms and conditions that describe how a consumer can opt-in, as well as withdraw from the contest or sweepstakes. To enter a sweepstakes or contest, you may be required to provide us (or our service provider) with certain personal information, such as your name and contact information. If you submit your entry in accordance with the applicable promotion’s rules, you will be entered into the promotion and will get a chance to win a prize. These promotions may be deemed a “financial incentive” under California law. If you ask us to delete your information, you may not be able to participate in the sweepstakes or contest for which the deleted information was required to administer the promotion.
Right to Non-Discrimination
You have the right not to receive discriminatory treatment for exercising any of the rights described above.
California “Shine the Light”
In addition to the rights described above, California’s “Shine the Light” law permits California residents to request certain information regarding our disclosure, if any, of certain categories of personal information to third parties for their direct marketing purposes during the immediately preceding calendar year. To make such a request, please contact us at marketing@colibrigroup.com. This request may be made no more than once per calendar year.