SITE TERMS
TERMS OF USE
Effective
Date: June 15, 2022
PLEASE READ THE
TERMS OF USE AGREEMENT (THIS “AGREEMENT”) CAREFULLY PRIOR TO YOUR USE OF THIS
SITE.
“Fetch”,
(hereinafter “Fetch”) is an affiliate of Liberty Mutual Insurance Company, located
at 175 Berkeley Street, Boston, MA 02116. Fetch owns and operates the
website www.fetchaquote.com and portions of other web pages and web content through
which you have accessed this Agreement, including, without limitation,
through a tablet or other device that hosts our portal and mobile
applications (collectively, the “Site”).
BY
UTILIZING THE SITE, YOU (“USER”, “YOU”, “YOUR” and similar terms) HEREBY AGREE
TO BE LEGALLY BOUND BY THIS AGREEMENT WHICH INCORPORATES BY REFERENCE THE
PRIVACY POLICY POSTED ON THE SITE (THE “PRIVACY POLICY”), AS BOTH ARE
AMENDED FROM TIME TO TIME. IF THIS AGREEMENT IS NOT ACCEPTABLE AND YOU ARE
UNWILLING TO BE BOUND BY IT, PLEASE DO NOT USE THIS SITE.
Subject to the
terms of this Agreement and the Privacy Policy, Fetch may offer you various
services on or through the Site. Below are the terms and conditions
governing these services and your use of the Site.
The term “Insurance
Providers” means the insurance companies that will be evaluating your
information and may provide insurance quotes for you once you have
submitted the required information through this Site.
The term “Merchant
Partners” means the businesses and/or technology platforms (i.e.
auto dealerships, dealer management software providers, customer
relationship management providers, banks, finance companies, automotive
websites) that may refer you to this site or assist you with pre-filling your
personal information into this Site in order to obtain insurance quotes.
YOU MUST BE AT
LEAST EIGHTEEN (18) YEARS OF AGE
The Site is
intended to be accessed and used only by and on behalf of adults and users that
can form legally binding contracts under applicable law. Without limiting
the foregoing, this Site and the related services provided hereon should
not be used by minors (i.e., individuals under the age of 18). If you
do not qualify, you are not permitted to use this Site or transact any
business hereon, and you do not have our consent to do so.
YOU ARE GIVING
FETCH THE RIGHT TO SHARE YOUR PERSONAL INFORMATION
By using this Site
and the related services provided hereunder, you are authorizing Fetch to share
your personal information with Insurance Providers or other third parties
who may offer you products, services or
promotional offers. You are also hereby giving the Insurance Providers and
other third parties explicit permission to contact you via phone call,
text message, and/or email to attempt to sell you products and services.
“User’s
Information” is defined as any information or other material you provide to us
or others in connection with this Site, including, without limitation,
information that will be transmitted to Insurance Providers. Except as may
be otherwise provided in our Privacy Policy, you are solely responsible
for User’s Information, and we act as a passive conduit for the online
distribution of User’s Information. By accessing and using our Site, you
hereby represent and warrant that any User’s Information which you submit
via our Site is accurate, truthful and correctly
identifies relevant data about yourself. You are expressly prohibited from
entering false information about yourself or your identity on our
Site. Further, we reserve the right to modify or remove from this Site,
all or any portion of User’s Information or other material that we, in our
sole discretion, consider infringing, offensive, abusive,
defamatory, obscene, or otherwise unacceptable or unlawful. We also
reserve the right to edit User’s Information or other materials for any
other reason consistent with the purposes of this Agreement or this Site.
Without limiting
any other remedies, we may suspend or terminate your account if you are found
(by conviction, settlement, insurance or escrow
investigation, or otherwise) to have engaged in fraudulent activity in
connection with this Site or any services in connection therewith, including,
without limitation, providing false User’s Information.
FETCH IS A FREE
SERVICE FOR YOU
Fetch does not
charge a fee to you to access, use and submit information through this Site.
Further, a Merchant Partner is not authorized or allowed by Fetch to
charge and/or collect a fee from you related to your use of this Site. An
Insurance Provider also will not charge fees simply to provide you a
quote, however, you will be obligated to pay for any insurance policy you
might choose to purchase. Fetch is not involved with and is not
responsible for any fee arrangement that you may enter into
with any Insurance Provider to purchase insurance. Fetch also does not
collect any money from you, as any insurance policy you choose to purchase
will be done on the Insurance Provider’s website or through the Insurance
Provider’s call center.
Please note that
while we may provide links to web pages which are not part of our web
family, including, without limitation, those of Insurance Providers, such
sites are not under our control and we are not
responsible for the information or links you may find there. We are providing
these links only as a convenience and to facilitate your use of our Site.
The presence of these links on our Site is not intended to imply our
endorsement of that site but to provide a convenient link to relevant sites
which are managed by other organizations, companies, or individuals.
Accordingly, this Agreement does not apply to your use of unaffiliated
sites to which this Site only provides links, including, without
limitation, those of any Insurance Providers. Those sites have their own
privacy policy and user agreements which you must review and agree to
before transacting business on those sites.
FETCH WILL NOT PULL
YOUR CREDIT REPORT OR DRIVING RECORDS, BUT THE INSURANCE PROVIDERS MAY
Fetch will not pull
your credit report or access any of your public records, including your driving
record. However, you agree to allow the Insurance Providers to pull your
credit report and/or driving records at some point in the process prior to
binding insurance coverage for you. All submissions by you authorize the
Insurance Providers to conduct any and all necessary
research, including checking your credit history and driving records, for
purposes of providing you with an insurance quote.
FETCH WILL NOT ACT
AS AN INTERMEDIARY BETWEEN YOU AND THE INSURANCE PROVIDER
Fetch, though its
Site, is designed to save you time by allowing you to simultaneously
submit information to multiple Insurance Providers that might meet your
needs based on the information you provide. Fetch simply allows you to
obtain several insurance quotes from the Insurance Providers directly
without having to visit each Insurance Provider’s website and enter your
personal information over and over again.
If you select an
Insurance Provider and proceed to purchase an insurance policy from the
Insurance Provider, your
relationship with that Insurance Provider will be bound by the terms,
conditions, and policies to which you and the Insurance Provider agree.
Fetch will have no role in negotiating or defining the terms and conditions
to which you and your chosen Insurance Provider agree. Further, Fetch will
have no role in providing customer service, policy renewals or cancellations,
claims services, etc. Fetch is designed to simply put you in touch with
leading Insurance Providers in your area – not to be an intermediary
between you and that Insurance Provider.
YOU ARE REQUESTING
INSURANCE QUOTES AND PROMOTIONAL OFFERS FROM THE INSURANCE PROVIDERS
The Site gives you
the opportunity to submit personal information in one convenient location in order to receive multiple quotes for insurance from
the Insurance Providers. By submitting your information through this Site,
you are expressly authorizing the Insurance Providers and other third parties
to contact you via phone, email, text or mail with future marketing and
promotional offers. Further, the Insurance Providers may keep your
personal and contact information in an attempt to sell
you products or services in the future. If you do not wish to receive
marketing and promotional offers from the Insurance Providers in the
future, it is incumbent upon you to unsubscribe with each Insurance
Provider individually and to follow such Insurance Provider’s procedure
for “opting-out” of marketing and other related communications. Fetch does
not offer the ability for you to opt-out with an Insurance Provider via
Fetch’s Site.
FETCH AND MERCHANT
PARTNER DO NOT GUARANTEE ANY QUOTES, FEES, RATES, TERMS, COVERAGE, OR
SERVICE
The insurance
quotes you obtain are from some of the leading insurance companies in your
area. Fetch and the Merchant Partner do not make any representations or
warranties regarding the quotes, fees, rates, terms, coverage limits or
services offered or made available by the Insurance Providers. Fetch
and the Merchant Partner do not make any representations and/or warranties
that any of the Insurance Providers will be able to offer you a product or
service at all. Because each Insurance Provider may score your information
differently, Fetch makes no guarantee that you will receive affordable quotes,
or any quotes at all, from the Insurance Providers. Fetch also does not
guarantee that the fees, rates, terms, coverage limits, or services
offered by the Insurance Providers are the best available in
the marketplace. Fetch has no input as to any price or terms of the
insurance policy an Insurance Provider may offer you. Finally, Fetch and
the Merchant Partner do not guarantee that quotes, fees, rates, terms, coverage and services will not change or that coverage will
not be denied by the Insurance Provider after an Insurance Provider has
requested more information from you or obtained more accurate information
from you prior to your purchase of the Insurance Provider’s products or
services.
YOU ARE RESPONSIBLE
FOR YOUR FINANCIAL DECISIONS
Fetch and its
affiliates, through the Site, provide a venue through which you can receive
insurance quotes directly from multiple Insurance Providers (collectively,
the “Services”). Fetch does not endorse or recommend the products or
services of any of the Insurance Providers and is not acting as an
advisor to you or any of the Insurance Providers. Further, the Merchant
Partner takes no responsibility for your choice in Insurance Provider,
payment options, coverage levels, whether to purchase
liability-only insurance or collision and comprehensive insurance. Fetch
does not validate or investigate the licensing, certification or other
requirements and qualifications of the Insurance Providers. It is your
responsibility to investigate the Insurance Providers, particularly the
Insurance Provider you may choose to provide you with insurance. You agree
that the Insurance Providers are solely responsible for any services that they
may provide to you and that Fetch and the Merchant
Partner shall not be liable for any losses, costs, damages or claims in
connection with, arising from or related to your use of an
Insurance Provider’s product or service. Because the Merchant Partner is
most likely not a licensed insurance producer and is taking no
responsibility for the policy you purchase, Fetch urges you to obtain the
advice of financial advisors, insurance agents, brokers, or other
qualified professionals who are fully aware of your individual
circumstances before you make any financial or insurance decisions. You
acknowledge and agree that YOU RELY ON YOUR OWN JUDGEMENT AND DECISIONS
and/or that of such advisors (and not on the judgment and decisions of
Fetch or the Merchant Partner) in purchasing any products or services
offered by the Insurance Providers.
EXCEPT AS OTHERWISE
PROVIDED IN A WRITTEN AGREEMENT WITH YOU OR AS REQUIRED BY LAW, WE MAKE NO
REPRESENTATION OR WARRANTIES WITH RESPECT TO THE ACCURACY, APPLICABILITY, FITNESS,
OR COMPLETENESS OF THE CONTENTS OF THIS SITE OR THE SERVICES
PROVIDED HEREUNDER. EXCEPT AS OTHERWISE PROVIDED IN A WRITTEN
AGREEMENT WITH YOU OR AS REQUIRED BY LAW, WE EXPRESSLY DISCLAIM ANY AND
ALL WARRANTIES (EXPRESS OR IMPLIED) INCLUDING BUT NOT LIMITED TO, THE
WARRANTIES OF MERCHANTABILITY, OR FITNESS FOR ANY PARTICULAR PURPOSE
IN CONNECTION WITH THE SERVICES PROVIDED HEREUNDER OR THIS SITE OR YOUR
USE OF SAME. WE DO NOT WARRANT THAT THIS SITE, ITS SERVERS, OR E-MAIL SENT
FROM THE SITE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.
THERE MAY BE
PRODUCTS OR SERVICES OWNED BY THIRD PARTIES THAT ARE SUBJECT TO
THE WARRANTIES OF THOSE THIRD PARTIES. YOU ARE DIRECTED TO INVESTIGATE THE
AVAILABILITY OF SUCH THIRD PARTY WARRANTIES YOURSELF.
EXCEPT AS OTHERWISE
PROVIDED IN A WRITTEN AGREEMENT WITH YOU OR AS PROHIBITED BY LAW, WE SHALL
IN NO EVENT BE HELD LIABLE TO YOU OR ANY OTHER PARTY FOR ANY DIRECT,
INDIRECT, PUNITIVE, SPECIAL, INCIDENTAL OR OTHER CONSEQUENTIAL DAMAGES
ARISING DIRECTLY OR INDIRECTLY FROM ANY USE OF THIS SITE OR THE SERVICES,
ALL OF WHICH ARE PROVIDED “AS IS”, AND WITHOUT WARRANTIES OF ANY KIND.
EXCEPT AS OTHERWISE
PROVIDED IN A WRITTEN AGREEMENT WITH YOU OR AS PROHIBITED BY LAW, OUR
LIABILITY, AND THE LIABILITY OF OUR AFFILIATES, OR ANY OF OUR OR THEIR
OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, CONTRACTORS OR SUPPLIERS, TO YOU
OR ANY THIRD PARTIES IN ANY CIRCUMSTANCE IS LIMITED TO THE PURCHASE PRICE
PAID BY YOU FOR USE OF THIS SITE, IF ANY.
CERTAIN STATE LAWS
DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION
OR LIMITATION OF CERTAIN DAMAGES OR LIABILITIES. IF THESE LAWS APPLY TO
YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS, OR LIMITATIONS MAY
NOT APPLY TO YOU, AND YOU MIGHT HAVE ADDITIONAL RIGHTS.
We do not warrant
the performance, effectiveness or applicability of any sites listed or linked
to in this Site or the Services.
All links are for
information purposes only and are not warranted for content, accuracy or any
other implied or explicit purpose.
USE OF THE SITE AND
SERVICES
The contents of
this Site are protected by copyright, trademark, trade secret and other laws
and are the sole and exclusive property of us and/or other owners. We
grant you a limited license and right to access and make personal use of
the Site and the related services, in order to obtain
information or engage in other activities available through the Site. This
limited right and license does not include any resale or commercial use of
this Site or its contents or the Services; any collection and use of
any information related to Insurance Providers for commercial use; any
derivative use of this Site or its contents; any downloading or copying of
account information for the benefit of any third party; or any use of data
mining, robots, spiders, crawlers, or similar data gathering and extraction
tools. This Site or any portion of this Site or its content, may not be
reproduced, duplicated, copied, sold, resold, visited, modified
or otherwise exploited for any commercial purpose without our express written
consent or the consent of the owner of such materials. You may not frame
or utilize framing techniques to enclose any trademark, logo, or other
proprietary information or materials (including images, text, page layout,
or form) of ours or of any third party on this Site without our express
written consent. You may not use any meta tags or any other “hidden text”
utilizing our name or trademarks without our express written consent. Any
unauthorized use of this Site terminates the permission and license granted by
us. You are granted a limited, revocable, and nonexclusive right to create
a hyperlink to the home page of this Site so long as the link does not
portray us or any services or rental offered on the Site in a false, misleading, derogatory,
or other manner which we deem offensive. You may not use any logo or other
proprietary graphic or trademark on the Site as part of the link without
our express written permission. You will not use any device, software or routine to interfere or attempt to interfere
with the proper working of the Site. You will not take any action that
imposes an unreasonable or disproportionately large load on
our infrastructure.
FETCH IS ONLY
AVAILABLE IN THE UNITED STATES AND IS NOT AVAILABLE IN ALL STATES
The Services
provided through this Site are available only within the United States and may
not be available in all states.
THIS AGREEMENT IS
SUBJECT TO CHANGE
This
Agreement is subject to change. Fetch reserves the right to update, amend
and/or change this Agreement at any time in its sole discretion. Updates
to this Agreement will be posted on this Site and will take effect immediately
once accessible. You are responsible for reviewing this Agreement to stay
informed of any changes or updates.
BREACH OF THIS
AGREEMENT
Without limiting
other rights or remedies set forth in this Agreement or as otherwise available
by law, we may immediately issue a warning, temporarily suspend,
indefinitely suspend or terminate your access to this Site in whole or in
part: (a) if you breach this Agreement; (b) if we are unable to verify
or authenticate any information you provide to us, should we elect to
engage in such verification; or (c) if we believe in our sole discretion
that your actions may cause legal liability for you, other users, us
or third parties.
PRIVACY
Our current Privacy
Policy is available on this Site and is incorporated in this Agreement by
reference. We may change our
Privacy Policy from time to time, as stated therein.
If you are a California
resident, you may have additional rights. For more information about these
privacy rights and practices, please review our Privacy Policy.
How to Contact Us:
Phone: 855-553-3824
Email: Customerservice@fetchaquote.com
Mail: Privacy Office
175 Berkeley St. 6th Floor
Boston, MA 02116
INDEMNIFICATION
You agree to
indemnify, defend and hold us, our subsidiaries and affiliates, and each of
their and our officers, directors, agents, owners, employees, independent
contractors and suppliers, harmless from any claim, demand, action, cost
and expense, including reasonable attorneys’ fees, due to or arising
out of the following events: (i) your giving us
any information which is inaccurate, including, without limitation, User’s
Information; (ii) your breach of any warranty, representation or other
obligation set forth in this Agreement; (iii) your negligence or willful
misconduct; (iv) your violation of any law, regulation or right of any third
party; (v) any dispute or action between you and any third
party, including parties selling goods or services through this Site; and
(vi) your use of this Site or the Services or the products or services of
any third party, except for claims resulting solely from our negligence
or willful misconduct.
RELEASE; COVENANT
NOT TO SUE
You hereby release,
agree and covenant not to sue us, our subsidiaries and affiliates, and our or
their officers, directors, owners, agents, employees, suppliers and
independent contractors, from or in connection with any and all claims,
demands and damages (actual and consequential) of every kind and nature
arising out of or in any way connected with the Services or your use of this
Site, other than willful misconduct or our failure to honor an express
commitment posted on this Site. If you are a California resident, you
hereby waive California Civil Code §1542, which says: “a general release does
not extend to claims which the creditor does not know or suspect to exist
in his favor at the time of executing the release, which if known by him
must have materially affected his settlement with the debtor.”
NOTICES
Except
as explicitly stated otherwise, any notices shall be given by postal mail to us
at Fetch, 175 Berkeley Street, Boston, Massachusetts 02116 and to you at the
email address you provide to us. Notice shall be deemed given 24 hours
after email is sent, unless we are notified that the email address is
invalid. Alternatively, we may give you notice by regular mail, postage
prepaid, to the address provided by you. In such case, notice shall be
deemed given 3 days after the date of mailing.
ARBITRATION
Except as otherwise
provided in a written agreement with you, any controversy or claim between
you and us or our subsidiaries and affiliates, and our or their officers, directors and employees, arising out of or relating to
this Agreement or your use of this Site or the Services, shall be settled by
binding arbitration, before a single arbitrator, in accordance with the
commercial arbitration rules of JAMS which shall administer the
arbitration. Any such controversy or claim shall be arbitrated on an individual basis, and shall not be consolidated in any arbitration with
any claim or controversy of any other party, nor shall arbitration on a
class action basis be permitted. The arbitration award shall be in writing
and shall include findings of fact and conclusions of law. Judgment on the
arbitration award may be entered into any court having jurisdiction
thereof. Either party may seek any interim or preliminary relief from
a court of competent jurisdiction necessary to protect the rights or
property of either party pending the completion of arbitration.
TAXES
Except as otherwise
provided in a written agreement with you or as prohibited by law, you
are responsible for paying any taxes that may be assessed or otherwise due
in connection with any transactions or purchases that you make through us
or the Site.
CHOICE OF LAW,
HEADINGS, AND NON-WAIVER
Except as otherwise
provided in a written agreement with you or as prohibited by law, This
Agreement shall be exclusively construed, interpreted, governed
and enforced in accordance with the laws of the Commonwealth of Virginia,
without regard to rules governing conflicts of laws. The parties further
agree that this Agreement shall be deemed to have been negotiated, entered into, executed and performed for all purposes
within the Commonwealth of Virginia. Either party’s failure to act with respect
to a breach does not waive the non-breaching party’s right to act with
respect to subsequent or similar breaches.
SEVERABILITY
The invalidity of
any portion of this Agreement will not affect the validity of any other
provision and any such finding of invalidity or unenforceability in any
jurisdiction shall not invalidate or render unenforceable such provision
in any other jurisdiction. In the event that any
provision of this Agreement is held to be invalid or unenforceable, the
parties agree that the remaining provisions will be deemed to be in full
force and effect as if they had been executed by both parties subsequent to the
expungement of the invalid provision. It is expressly understood, however,
that the parties hereto intend each and every
provision of this Agreement to be valid and enforceable and hereby knowingly
waive all rights to object to any provision of this Agreement to the full
extent permitted by law. Accordingly, if any part of this Agreement is
determined to be invalid or unenforceable pursuant to applicable law including,
but not limited to, the warranty disclaimers and liability limitations set
forth above, then the invalid or unenforceable provision(s) will, rather
than be stricken in their entirety, be deemed superseded by a valid,
enforceable provision that most closely matches the intent of the original
provision and the remainder of the Agreement shall continue in effect.
ENTIRE AGREEMENT;
AMENDMENT
This Agreement
contains the entire agreement of the parties relating to its subject matter
and supersedes any prior or contemporaneous agreements, negotiations,
correspondence, understandings or communications,
whether oral or written. This Agreement may not be modified or amended
except in writing, signed by both parties, or as
otherwise provided herein. Because of changes in Internet technology and
practices, this Agreement and our security and other policies may change from
time to time. We will provide you with email notices regarding any changes
to this Agreement. Please consult this portion of the Site for important
changes to the Agreement as they occur. Unless otherwise provided in a
separate written agreement between you and us, by using the Site after we
notify you by email and thereafter posting any changes to this Agreement,
you agree to accept those changes, whether or not
you have reviewed them, and such acceptance shall be deemed legally conclusive.
If at any time you choose not to accept the terms of this Agreement, you
will not use the Site, any Services.
This Agreement
applies to your use of this Site or other sites that we may own or operate in
the future, unless such sites provide otherwise.
CONTINUING
COOPERATION
The parties agree
to execute any documents or perform such other and further acts as are reasonably necessary
to comply with the letter and spirit of this Agreement.
PRIVACY POLICY
Effective Date:
June 15, 2022
We respect your
privacy and are committed to protecting it through our compliance with this
privacy policy (the “Privacy Policy”). For purposes of the Privacy Policy,
each of the terms “we,” “us,” or “our” refers to “Fetch”, an affiliate
of Liberty Mutual Insurance Company.
The term “Site,”
means, collectively, this website and portions of other web pages and web
content through which you have accessed this Privacy Policy, including,
without limitation, through a tablet or other device that hosts our portal and mobile
application.
The term “Insurance
Providers” means the insurance companies that will be providing insurance
quotes for you once you have submitted the required information through this
Site.
The term “Merchant
Partners” means the merchants and/or places of business (such as
automobile dealerships) that may assist you with the submission of your
information to this Site in order to
obtain insurance quotes.
The term “Request”
means an electronic submission of your information to an Insurance
Provider after you have entered all data in the required fields on our Site
necessary to generate a quote from an Insurance Provider.
This Privacy Policy
describes information that we collect from you or that you provide on this Site
and how that information may be used and disclosed by us. This Privacy
Policy does not apply to information collected through any other medium,
collected offline, or collected by any person or entity other than us
(such as a third-party website or a third-party application).
By accessing, using or submitting information to this Site, you agree to
be bound contractually by this Privacy Policy. While a representative of a
Merchant Partner, for your convenience, may assist you with the submission
of your information into this Site with your express permission, you understand
and agree that you are still bound by this Privacy Policy.
INFORMATION WE
COLLECT ABOUT YOU
We collect several
types of information from and about users of this Site, including the
information described below.
Personally
Identifiable Information
In
this Privacy Policy, personally identifiable information means information that
identifies a particular individual or that can be used to distinguish or
trace an individual’s identity, either alone or when combined with
personal or identifying information that is linked or linkable to a specific
individual (“Personally Identifiable Information”), such as an
individual’s name, date of birth, driver’s license number, address, zip
code, e-mail address, and phone number. We collect Personally Identifiable
Information when you register to use our Site and fill out related
information fields on our Site prior to your first use of our Site.
We will not collect
any Personally Identifiable Information from you unless you voluntarily submit
such information to us. Therefore, if you do not want us to obtain any
Personally Identifiable Information about you, do not voluntarily submit
such information to us. If you choose to withhold requested information,
you may not be able to visit or view all sections of our Site or receive any of
our services.
Non-Personally
Identifiable Information
When you visit or
browse our Site, or become a registered user of our Site, we may also
collect information that by itself cannot be used to identify or contact
you, such as demographic information (like age, profession
or gender) (“Non-Personally Identifiable Information”). Non-Personally
Identifiable Information may also include certain anonymous information
about the type of browser you use, the server name and IP address through
which you access the Internet (such as “aol.com”
or “earthlink.net”), the date and
time you access our Site, the pages you access while on our Site, and
the Internet address of the website, if any, from which you linked
directly to our Site.
Non-Personally
Identifiable Information is used to help us or our third
party vendors to understand the characteristics of people who visit
our website and to improve and market our website in general. In the event that we link any Non-Personally
Identifiable Information with Personally Identifiable Information, we will
treat such information as Personally Identifiable Information and only use such
information in accordance with this Privacy Policy.
We will never,
under any circumstance, collect data about your race or religion.
HOW WE USE YOUR
INFORMATION
We use your
information, including any Personally Identifiable Information, to:
– Confirm and
complete transactions requested by you (including sharing information
with Insurance Providers);
- Provide customer
support (including, without limitation, respond to your requests,
troubleshoot and resolve problems and disputes);
– Contact you to
verify the information you provide to us;
– Protect the
security and integrity of this Site;
– Conduct internal
reviews of this Site and administer this Site’s systems;
– Comply with,
monitor compliance with and enforce this Privacy Policy and any other
applicable agreements and policies;
– Develop, enhance
and market our products and services or the products and services of
third parties;
– Manage our
business and operations;
– Provide evidence
to Insurance Providers to validate our request for compensation from them;
– Meet legal and
regulatory requirements;
– Provide
administrative communications to you; and
– For other
purposes as may be disclosed when you provide Personally Identifiable
Information or in this Privacy Policy.
DISCLOSURE OF
PERSONALLY IDENTIFIABLE INFORMATION
We may disclose
Personally Identifiable Information:
– To any person
who, in our reasonable judgment, is authorized to receive your
Personally Identifiable Information as your agent, including as a result
of your business dealings with that person (for example, your attorney or
the finance department of the auto dealership from where you used or
accessed our Site);
– To our
independent contractors and third party vendors or
suppliers (collectively, “Outside Contractors”) so that they may provide
support for our internal and business operations, including for the
handling of data processing, data storage, surveys, research,
internal marketing, delivery of promotional and transaction materials, and
this Site’s maintenance and security. These Outside Contractors may
sometimes have limited access to information collected on our Website, including your Personally Identifiable Information,
in the course of providing products or services to us or to you on our
behalf. Access to your Personally Identifiable Information by these
Outside Contractors is limited to the information reasonably necessary in order for the Outside Contractors to perform their
limited function for us. We also require that these Outside Contractors (i) protect the privacy of your Personally
Identifiable Information in a manner consistent with this Privacy Policy,
and (ii) not use or disclose your Personally Identifiable Information for
any purpose other than providing us with the products or services for
which we contracted;
– As required by
law or ordered by a court, regulatory, or administrative agency;
– As we deem
necessary, in our sole discretion, if we believe that you are violating any
applicable law, rule or regulation, or are otherwise interfering with
another’s rights or property, including, without limitation, our rights or
property;
– If requested by
authorities in the event of any act of terrorism or instance of local, regional
or national emergency;
– To enforce our this Privacy Policy and any other applicable agreements
and policies;
– If we have the
good faith belief that such action is necessary to conform to applicable laws
or comply with legal process served on us, or to protect and defend our
rights or property or the rights or property of a user of this Site;
– To third party
vendors who may be able to offer you products or services that we believe are
of importance to you;
– In connection
with any future merger, acquisition, disposition, or sale of all or part of
the ownership of our company; and
– To our affiliated
companies (i.e., companies under common control or management with us).
Aggregation and
De-Personalization
We
may take your Personally Identifiable Information and make it non-personally
identifiable, either by combining it with information about other
individuals (aggregating your information with information about other
individuals), or by removing characteristics (such as your name) that make the information
personally identifiable to you (de-personalizing your information).
We may use and/or
disclose to third parties such aggregate or de-personalized information in
any manner and without notice or compensation to you.
Requests for Quotes
and Services from Insurance Providers
Certain portions of
this Site may allow you to request a quote, services
or information from one or more third parties, such as the Insurance
Providers. If you provide your Personally Identifiable Information on the
Site and request a quote, services or information from
the Insurance Providers, we may share, loan, rent or sell your Personally
Identifiable Information to the Insurance Providers that we match with
your Request, your current insurance provider, or to other third parties
that may match you with an insurance company not in our network of
Insurance Providers. In addition, the Insurance Providers and such third
party may further disclose, share and use any
Personally Identifiable Information provided by you in connection with
your Request. If you make a Request, you expressly consent to such
disclosure and use of your Personally Identifiable Information. If you do
not want your Personally Identifiable information shared as described
above, then you should not submit a Request.
FOR THE AVOIDANCE
OF DOUBT, THIS PRIVACY POLICY DOES NOT GOVERN THE MANNER IN
WHICH INSURANCE PROVIDERS OR OTHER THIRD PARTIES USE YOUR PERSONALLY
IDENTIFIABLE INFORMATION. BEFORE ENTERING ANY DATA ON THIS SITE, YOU MUST
READ THE PRIVACY POLICIES OF THE APPLICABLE INSURANCE PROVIDERS AND AGREE
TO BE BOUND THEREBY.
If you submit a
Request, Insurance Providers may either provide a quote on our Site and/or
contact you directly with quotes via phone, text, fax, mail
and email. You may receive telemarketing 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. To
the extent that you wish to opt-out from receiving future
marketing communications from an Insurance Provider, you must comply with
the applicable Insurance Provider’s policies regarding opt-out procedures.
If you are matched
with an Insurance Provider, you expressly consent to the Insurance
Provider’s conducting any research necessary to provide you with quotes
for your Request. Insurance Providers may need to share your Personally
Identifiable Information to conduct such research. As an example, if you
request insurance quotes, consumer reports and/or driving records may be
ordered in connection with your insurance application. Such reports may
provide information that may assist in determining eligibility for
insurance and the price you may be charged for insurance. In addition,
Insurance Providers may use third parties in connection with the development
of an “insurance score” for you. If you do not want Requested Service
Providers to conduct necessary research to provide you with a quote for
your Request, then you should not submit a Request. However, please
carefully review the privacy policy of the applicable Insurance Provider
to better understand the manner in which such
Insurance Provider may use your Personally Identifiable Information.
If Insurance
Providers request additional data from you other than the information you
submitted through our Site, you understand that this additional data may
increase or decrease the price of the quote they provide. We do not
guarantee the quotes offered by the Insurance Providers and are not liable
in the event that the quote increases after additional information has been submitted to the Insurance Providers.
Please note that if
you submit a Request on this Site and we share your information as described
above in connection with your Request, you will not have the opportunity
to opt out of the disclosure of your information in connection with that
Request.
INFORMATION YOU
DISCLOSE TO THIRD PARTIES
You may be
presented with an opportunity to receive information and/or marketing offers
from third parties in connection with this Site. All information you
disclose to such third parties will be subject to the privacy policy and
practices of such third parties. We are not responsible for the privacy
policies and practices of such third parties and, therefore, you should
review the privacy policies and practices of such third parties prior to
disclosing information to them. If you later decide that you no longer want
to receive communications from a third party, you will need to contact
that third party directly.
OTHER WEB SITES,
LINKS, AND ADVERTISERS
This Site contains
links to other web sites. We reserve this right to have advertisers or other
third parties on this Site (including, without limitation, Insurance
Providers) who may also have links on this Site and may link to this Site.
The privacy practices of advertisers or web sites linked to this Site are not
covered by this Privacy Policy, and we are not responsible for the privacy
practices or the content of such web sites or third parties. Additionally,
if you make a purchase from a store or merchant listed on or linked
to this Site, any information that you give, such as your credit card
number and contact information, is provided to those merchants. These
merchants have separate privacy and data collection practices, and we have
no responsibility or liability for these independent policies. You should be
careful to review any privacy policies posted on any of these sites before
signing up with and using them.
SECURITY
Information
collected by this Site is stored in secure operating environments that are not
available to the public. Our employees or Outside Contractors are required
by us to maintain and uphold your privacy and security and are aware of
our privacy and security policies. Unfortunately, no data transmission
over the Internet can be guaranteed 100% secure. As a result, while we strive
to protect your personal information, WE CANNOT ENSURE OR WARRANT THE
SECURITY OF ANY INFORMATION YOU TRANSMIT TO US, AND YOU DO SO AT YOUR OWN
RISK.
NO LIABILITY FOR
ACTS OF THIRD PARTIES
Although we will
use reasonable efforts to safeguard the confidentiality of your Personally
Identifiable Information (including credit card information),
transmissions made by means of the Internet cannot be made absolutely secure. We will have no liability for disclosure
of information due to errors in transmission or unauthorized acts of third
parties. In addition, we will release specific information about you to
comply with any valid legal process such as a search warrant, subpoena, statute or court order.
We will also
release specific information in special cases, such as if there is an attempted
breach of security or a physical threat to you or others.
Please note that if
you give out Personally Identifiable Information online — that information can
be collected and used by third parties. Although we strive to protect our
users’ privacy, we cannot guarantee the security of information you
provide to us. You disclose such information at your own risk.
MINORS
This Site is
directed toward and designed for use by persons aged 18 or the age of majority
in the jurisdiction in which you reside. We will not approve applications
of, or establish or maintain accounts or memberships for, any child that
we knows to be under the age of 18. We do not solicit
or knowingly collect Personally Identifiable Information from children
under the age of 18. If we nevertheless discover that we have received
Personally Identifiable Information from an individual who indicates
that he or she is, or that we otherwise have reason to believe is, under
the age of 18, we will promptly delete such information from our systems.
Additionally, a child’s parent or legal guardian may request that
the child’s information be corrected or promptly deleted from our files by
contacting our Privacy Office at the telephone number or address set out below.
CHANGES TO THIS
PRIVACY POLICY
This
Privacy Policy is subject to change. Fetch reserves the right to update, amend
and/or change this Privacy Policy at any time in its sole discretion. Updates to this Privacy Policy will be posted
on this Site and will take effect immediately once accessible. You are responsible
for reviewing this Privacy Policy to stay informed of any changes or updates.
California
Consumer Rights Under the CCPA
The
CCPA provides California consumers with specific rights regarding personal
information. California consumers have the right to request that Fetch disclose
what personal information it collects, uses, discloses, and sells. Our response to your exercise of rights may
be limited as permitted under law.
Access
or Deletion
You
may have the right to request that Fetch disclose certain information to you
about our collection and use of your personal information in the twelve (12)
months preceding such request, including a copy of the personal information we
have collected. You also may have the right to request that Fetch delete
personal information that Fetch collected from you, subject to certain
exceptions. Once Fetch receives and verifies your consumer request, we will
delete your personal information from our systems, unless an exception applies.
Specifically,
you have the right to request that we disclose the following to you, in each
case, in the twelve (12) month period preceding your request:
• the
categories of personal information we have collected about you;
• the
categories of sources from which the personal information was/is collected;
• our
business or commercial purpose for collecting personal information;
• the
categories of third parties with whom we share personal information;
• the
specific pieces of information we have collected about you;
• the
categories of personal information about you, if any, that we have disclosed
for monetary or other valuable consideration, and the categories of third
parties to which we have disclosed the information, by category or categories
of personal information for each third party to which we disclosed the personal
information; and/or
• the
categories of personal information about you that we disclosed for a business
purpose.
To the
extent Fetch has your Social Security Number, Driver’s License Number or any
other government issued identification information for you, we do not provide
access to this information pursuant to best security practices, CCPA, and any
related regulations.
Exercising
Access and Deletion Rights
To
exercise the access or deletion rights described above, a verifiable consumer
request may be made to Fetch by either:
•
Calling: 855-553-3824
•
Email: Customerservice@fetchaquote.com
•
Mail: 175 Berkeley St., 6th Floor Boston, MA 02116
Attn:
Privacy Office
Limited
personal information will be required for verification purposes. The specific
elements may vary depending on the nature of your relationship with Fetch, but
will typically include name, address, phone number, date of birth, and a
description of your relationship with Fetch.
Only
you, or someone legally authorized to act on your behalf, may make a verifiable
consumer request related to your personal information. You may also make a
verifiable consumer request on behalf of your minor child.
A
California consumer may use an authorized agent to submit a right to know
request or a request to delete. Fetch may require the authorized agent to provide
proof that the consumer gave the agent signed permission to submit the request.
To use an authorized agent, the California consumer must provide the agent with
written authorization. In addition, the California consumer may be required to
verify their own identity with Fetch and we may ask
you to directly confirm that you provided the authorized agent permission to
submit the request.
We may
deny a request from an agent that does not submit proof that they have been
authorized by the California consumer to act on their behalf. Such
requirements, however, will not apply where a California consumer has provided
the authorized agent with power of attorney pursuant to Cal. Prob. Code
Sections 4000 to 4465. For any questions regarding an authorized agent request,
please contact us as described in the contact section below.
You
may only make a verifiable consumer request for access or deletion twice within
a twelve (12) month period. The verifiable consumer request must provide
sufficient information that allows Fetch to reasonably verify that you are the
person about whom Fetch collected personal information or an authorized
representative of such person; and describe your request with sufficient detail
that allows Fetch to properly understand, evaluate, and respond to it. If Fetch
is unable to verify you based on the information you have provided and the
information contained in our systems, Fetch will advise you that we cannot
complete your request based on inability to verify you.
Response
Timing
Fetch
endeavors to respond to a verifiable consumer request within forty-five (45)
days of its receipt. If more time is needed, Fetch will inform you of the
reason and extension period in writing.
Rights
to opt in and out of information selling
California
consumers have the right to direct businesses not to sell your personal
information (opt-out rights), and personal information of minors under 16 years
of age will not be sold, as is their right, without their or their parents’
opt-in consent. Fetch does not sell the personal information of consumers.
Fetch will not knowingly sell personal information about consumers who we know
are younger than 16 years of age without opt-in consent.
No
discrimination
You
have the right not to be discriminated against for exercising any of your CCPA
rights. Unless permitted by the CCPA, Fetch will not:
• Deny
you goods or services;
•
Charge you different prices or rates for goods or services, including through
granting discounts, other benefits, or imposing penalties;
•
Provide you a different level or quality of goods or services; and/or
•
Suggest that you may receive a different price or rate for goods or services,
or a different level or quality of goods or services.
How to
Contact Us:
You
can submit requests, seek additional information, or obtain a copy of our
Privacy Policy in an alternative format by either:
Calling:
855-553-3824
Email:
Customerservice@fetchaquote.com
Mail:
175 Berkeley St., 6th Floor Boston, MA 02116
Attn:
Privacy Office