Goji In News

Welcome Peter Breitstone.

We’re pleased to announce that we have appointed Peter Breitstone as our new CEO. For more information on Peter’s appointment, please see the following posts: PRNewswire

We’d like to share some exciting news.

$15 Million Investment Round Fuels Accelerated Growth at Goji. For more information on this investment, please see the following posts: PRNewswire

Privacy Policy (updated March 2017)

This Privacy Policy shall apply to all information Goji and its affiliates receive from you, including without limitation via a visit to www.Goji.com and any domains and affiliated websites or via use of the proprietary insurance quote engine we make available on such website(s), all of which we refer to in this Privacy Policy collectively as the “Site”. This policy also covers any information obtained about you as a result of your use of the Site, as well as any information you provide to our agents, and any information we collect about you from third party sources, in connection with your pursuit of insurance coverage or other products and services.

We use the terms “we”, “us”, “Goji” or the “Company” in this Privacy Policy to refer to Consumers United, Inc., a Delaware corporation doing business as “Goji” and our licensed insurance agency affiliates: Consumer United LLC, CU Insurance – MA, LLC, and National Consumers United, LLC, either collectively or individually, as the context requires.

Please read this Privacy Policy carefully. By using the Site or otherwise submitting information to us in any format, you agree to be bound by this Privacy Policy.

Goji values your privacy

Goji respects your privacy. We have provided the Privacy Policy in order for you to know how we may collect and use information you provide to Goji while visiting the Site. If you use the Site and provide information requested on the Site, then you do so in full agreement with the terms and conditions described in the Privacy Policy.

Respecting Your Privacy

Goji values its relationship with you, and respects your privacy. We have provided this Privacy Policy in order for you to know how we protect your personal information, as well as how we collect, use and share information you provide to Goji while visiting the Site or utilizing the services of Goji and its partners. If you use the Site and provide information requested on the Site or otherwise provide information to us, then you do so in full agreement with the terms and conditions described in this Privacy Policy.

Information Gathering

Goji may collect information about you, and your use of the Site, in several different ways:

  • User Submitted Data is information you personally elect to contribute, such as your name and address, whether by means of typing the information into a submission form, providing information in a telephone call with an agent, or otherwise;
  • Browser Derived Data is information we collect from your use of the Site - for example, the fact that you are accessing the Site using a smartphone; and
  • Third Party Data is information we obtain about you from third party sources - for example, accident or credit reports (where permitted) detailing your accident or credit history.

Our collection and use of these types of information is covered by this Privacy Policy.

User Submitted Data

User Submitted Data is information that identifies you as an individual, such as your name, postal address, email address, and home and/or wireless telephone numbers. This information is typically collected from you when you visit the Site and submit an application for an insurance quote or other product from us, one of our insurance carrier partners, or one of our third party partners. User Submitted Data also includes information we obtain from you by phone, a mobile application, by email, a service provider, or by any other means. If you provide information to us about others, we will only use the information provided for the specific reason for which it is provided.

We may use User Submitted Data for several purposes, including to:

  • provide a requested service or product, including an insurance quotation
  • respond to your questions
  • send you information about the Company and its products and services
  • send you information regarding the Site, changes to our terms, conditions, and policies, and/or other administrative information
  • provide you with email updates and announcements concerning our products, promotions and programs and to send you invitations to participate in special programs
  • re-contact you if we have not heard from you in a while
  • send you advertising/promotional material from our partners
  • personalize your experience on the Site by presenting products and offers tailored to you
  • assist with our business purposes, such as analyzing and managing our businesses, audits, developing new products, improving our services and products, gauging customer satisfaction and providing customer service (including troubleshooting in connection with customer issues), and better the user experience on the Site, such as enhancing our website, identifying usage trends, determining the effectiveness of our promotional campaigns, and tailoring the Site experience and content based on your past activities on the Site.

We also may use User Submitted Data as we believe to be necessary or appropriate to: (a) comply with legal process; (b) respond to requests from public and government authorities, including public and government authorities outside the United States; (c) enforce this Privacy Policy and our Term of Use; (d) protect our operations or those of any of our affiliates; (e) protect our rights, privacy, safety or property, and/or that of our affiliates, you or others; (f) to allow us to pursue available remedies or limit the damages that we may sustain; and (f) as otherwise permitted by law, including laws of jurisdictions outside the United States and/or the country of your residence.

As noted above, in certain situations we may be required to disclose personal data in response to lawful requests from public or government authorities, including to meet national security or law enforcement requirements. We may also disclose your personal information as required by law, such as to comply with a subpoena, when we believe in good faith that disclosure is necessary to protect our rights, your safety, or the safety of others, or to investigate fraud.

User Submitted Data you provide through the Site, to our agents, or otherwise may be combined with other information you provide to us (via online or offline means), with demographic information and other information that is publicly available, or with other information about you that we may otherwise obtain online or offline.

We may disclose User Submitted Data to:

  • our agents and affiliates for the purposes described in this Privacy Policy
  • our insurance carrier partners and their agents and affiliates that play a role in an insurance transaction with you
  • third party service providers that provide services for us such as website hosting, data analysis, payment processing, order fulfillment, infrastructure provision, IT services, customer service, email delivery services, tracking, auditing services and other similar services, in each case to enable them to provide such services
  • third-party strategic partners with whom we may enter into a special relationship
  • identify you to anyone to whom you send messages through the Site or otherwise, and a third party in the event of any reorganization, merger, sale, joint venture, assignment, transfer or other disposition of all or any portion of our business, assets or stock (including in connection with any bankruptcy or similar proceedings)

Our agents, employees and contractors have access to your User Submitted Data on a need-to-know basis for the purpose of performing services on our behalf. All such employees, agents and contractors who have access to such information agree to keep such information confidential and abide by the terms of this Privacy Policy, and not to use any such information other than to carry out the services they are performing on our and your behalf, or as otherwise required by law.

The parties with whom we share your User Submitted Data – for example, our insurance carrier partners - may in turn share that information with others in order to generate quotations and policies and information relevant to the products you have requested and otherwise fulfill transactions with you. They may contact you directly at the phone number(s) or email address(es) you provide to collect additional information, answer questions, complete transactions or provide you with information about other products and services, even if you have registered the phone number(s) provided on local or national Do Not Call lists.

Other institutions with which we do business also may obtain User Submitted Data from us and use it to provide possible product offerings to you based on the information you provide.

A list of the companies that may contact you is included at the end of this Privacy Policy, which list is updated regularly.

We also may disclose User Provided Data as we believe to be necessary or appropriate to: (a) comply with legal process; (b) respond to requests from public and government authorities, including public and government authorities outside the United States; (c) enforce this Privacy Policy and our Term of Use; (d) protect our operations or those of any of our affiliates; (e) protect our rights, privacy, safety or property, and/or that of our affiliates, you or others; (f) to allow us to pursue available remedies or limit the damages that we may sustain; and (f) as otherwise permitted by law, including laws of jurisdictions outside the United States and/or the country of your residence.

Browser Derived Data

Browser Derived Data is information that is not submitted by you but that is instead provided by or results from your access and use of the Internet and an Internet browser to connect to the Site. Browser Derived Data includes without limitation browser specific information, IP address, Internet Service Provider or “ISP” information, server log file information, referring/exit pages, date/time stamps, information collected through cookies, pixel tags and other technologies, and location information.

We receive Browser Derived Data by your access to the Site, including in the following manner:

  • Certain information is collected by most internet browsers, such as MAC address, type of computer, operating system details, browser software details, screen resolution, and whether it is a mobile device.
  • Your “IP Address” is a number that is automatically assigned to the computer or device that you are using by your ISP. An IP Address is identified and logged automatically in our server log files whenever a user visits the Site, along with the time of the visit and the page(s) that were visited. Collecting IP Addresses is standard practice on the Internet and is done automatically by many websites. We use IP Addresses for purposes such as calculating usage levels of the Site, helping diagnose server problems, and administering the Site.
  • Cookies allow a web server to transfer data to a computer or device for recordkeeping and other purposes. We and our third party marketing partners use cookies, analytics, remarketing and other similar tracking technologies to, among other things, better serve you with more tailored information and facilitate your ongoing access to and use of the Site. A cookie enables the Site to label you as a particular user, but it does not identify you by name or address unless you have provided such information or set up preferences in your browser to do so automatically. If you do not want information collected through the use of cookies, your internet browser has a tool to disable cookies.
  • We may use applications, including mobile applications or widgets, to collect information from you.
  • The Site may also use pixel tags, web beacons, clear GIFs or other similar technologies. These may be used in connection with the Site and HTML-formatted email messages to, among other things, track the actions of the Site’s users and email recipients, measure the success of our marketing campaigns, and compile statistics about the Site’s usage and response rates.

We may use Browser Derived Data and other data that does not identify you personally for any purpose, except where we are required to do otherwise under applicable law. In some instances, we may combine Browser Derived Data with User Submitted Data (such as combining your name with your geographical location). If we combine any Browser Derived Data with User Submitted Data, the combined information will be treated by us as User Submitted Data as long as it is combined.

We may share, rent, sell or license Browser Derived Data regarding our users to third parties, including service providers, but not in a manner in which the recipient would be able to identify you personally.

We also may disclose Browser Derived Data as we believe to be necessary or appropriate to: (a) comply with legal process; (b) respond to requests from public and government authorities, including public and government authorities outside the United States; (c) enforce this Privacy Policy and our Term of Use; (d) protect our operations or those of any of our affiliates; (e) protect our rights, privacy, safety or property, and/or that of our affiliates, you or others; (f) to allow us to pursue available remedies or limit the damages that we may sustain; and (f) as otherwise permitted by law, including laws of jurisdictions outside the United States and/or the country of your residence.

Third Party Data

Third Party Data is information that is not submitted directly by you but that is instead provided by third party service providers to us or our insurance carrier or strategic partners in connection with our fulfillment of a transaction for you. Examples of third party data include consumer reports, vehicle and accident reports, credit reports, and Comprehensive Loss Underwriting Exchange or “CLUE” reports of prior insurance claims. If required, your consent will be obtained before such third party data is obtained.

We may use Third Party Data for several purposes, including to

  • assist with the fulfillment of a transaction you requested, including an insurance quotation
  • respond to your questions
  • provide you with email updates and announcements concerning our products, promotions and programs and to send you invitations to participate in special programs
  • send you advertising/promotional material from our partners
  • personalize your experience on the Site by presenting products and offers tailored to you, and assist with our business purposes, such as analyzing and managing our businesses, audits, developing new products, improving our services and products, and gauging customer satisfaction and providing customer service (including troubleshooting in connection with customer issues).

We may combine Third Party Data with User Submitted Data (such as combining your name with your insurance loss history). The combined information will be treated by us as User Submitted Data.

We also may disclose Third Party Data as we believe to be necessary or appropriate to: (a) comply with legal process; (b) respond to requests from public and government authorities, including public and government authorities outside the United States; (c) enforce this Privacy Policy and our Term of Use; (d) protect our operations or those of any of our affiliates; (e) protect our rights, privacy, safety or property, and/or that of our affiliates, you or others; (f) to allow us to pursue available remedies or limit the damages that we may sustain; and (f) as otherwise permitted by law, including laws of jurisdictions outside the United States and/or the country of your residence.

Linked Sites

This Privacy Policy does not address, and we are not responsible for, the privacy, security or other practices of any third party websites for whom we may include a link within the Site. Without limiting the foregoing, Goji specifically disclaims any responsibility if such third party sites do not provide adequate security for your personal information. Such links are provided for your convenience only. We are not endorsing, in any manner, any of the linked sites that may be referenced in or linked to the Site. The Privacy Policy does not apply to any e-commerce websites that may be accessible by a link from the Site, whether these may be Goji e-commerce websites or those of third parties.

Although we believe that each of the sites to which we provide links should post a privacy statement that fully describes the data collection, use and advertising practices of such site, we can give no guarantee that all of those sites have or post such a privacy policy. We encourage you to read the terms of use and privacy policies of any such linked third-party site, as they may differ from ours.

Additionally, certain personal information may be made available to third parties using our Application Programming Interface, or “API.” Use of third party applications developed using our API are subject to the terms of use and privacy policies of such third party developers.

Remarketing and Retargeting

We may use third-party remarketing services (such as Google AdWords, AdRoll, & Facebook) to advertise on third-party websites to previous visitors of the Site. It could mean that we advertise to previous visitors who haven’t completed a task on the Site, for example using the application form to request insurance quotes. This could be in the form of an advertisement or posting on the Google search results page, Facebook, or various other websites within these networks or on the worldwide web. Any data collected will be used in accordance with our own privacy policy and the privacy policies of these third-party remarketing services. You can set your preferences for how these services advertise to you by visiting their consumer opt-out pages.

Advertising Vendors

Please note that our online and email advertising-related vendors may use pixel tags, web beacons, clear GIFs or other similar technologies in connection with the Site to help manage our online and email advertising campaigns and strengthen the effectiveness of such campaigns. For example, if a vendor has placed a unique cookie on your computer, the vendor may use pixel tags, web beacons, clear GIFs or other similar technologies to recognize the cookie during your visit to the Site and to learn which of our online advertisements may have brought you to the Site, and the vendor may provide us with such Browser Derived Data for our use. Please note we may link such Browser Derived Data provided to us by our vendors to User Submitted Data about you that we have previously collected. Such combined information will be treated as User Submitted Data hereunder as long as it is so combined.

Security Measures

We employ reasonable organizational, technical and administrative measures to protect User Submitted Data under our control and prevent its unauthorized use or disclosure. Unfortunately, no data transmission over the Internet or data storage system can be guaranteed to be 100% secure. Consequently, we cannot ensure or warrant the security of any User Submitted Data, which you transmit at your own risk. Please contact us if you believe your communications with, or information provided to, Goji have been compromised or used or disclosed in violation of this policy.

Access by Minors

Our Site is for use in connection with seeking insurance and related products and services and is not intended for or directed to individuals under the age of eighteen (18). We request that these individuals not provide User Submitted Data through the Site. If you become aware that information has been submitted by or collected from a person under the age of 18, please contact us directly at:

Consumers United, Inc. Attn: Legal Notices 31 St James Place Boston, MA 02116 Email: legalnotices@goji.com

Once such a request has been received and verified, we will delete the information collected within a reasonable time.

Sensitive Personal Data

We ask that you not send or disclose to Goji any sensitive personal information about yourself and your identity via the Site. We do not collect via the Site for any purpose, nor do we have any need for, your social security number, race, religion, national origin, work history, political participation, health information, criminal background, or similar information.

We may ask you for such personal information offline to enable us to fulfill a transaction with you, including to obtain insurance coverage, make and process payments, and facilitate interactions with third party service providers. In the event you do business with Goji separate from your access to the Site, such information should only be submitted directly to the individual authorized to make such request related to a proper business purpose and not submitted via the Site. It is always your choice as to whether to provide such personal information. If you elect not to provide the requested personal information, we may not be able to engage in a transaction with you. Sensitive personal data is considered User Submitted Data under this Privacy Policy and treated accordingly.

For highly sensitive information, such as social security number, date of birth and payment information, we restrict access to employees, agents and others who use such information only as permitted by law and to provide you products and services.

Other Information

Any communication or material you provide or transmit to the Site that is not User Submitted Data, such as questions, comments, suggestions or the like, will be treated as non-confidential and non-proprietary and may be used by us for any purpose and without restriction or obligation to you.

Consent to Receive Telemarketing Calls, Texts and Commercial Emails

From time to time we would like to make certain commercial offers available to you. As such, IF you provide your phone number and/or email address to us via the Site or otherwise, you are consenting to receive telemarketing calls, texts and/or emails from us and our affiliates and the third parties with which we do business (which we will identify) at the phone number(s) and/or email address(es) provided. Telephone calls and texts may be made to any telephone number you provide, including your mobile telephone number, and may be made via an automated dialing system and/or contain pre-recorded messages, all in accordance with applicable law. If you provide a phone number and/or email address to us, you expressly acknowledge and agree that such phone number and/or email may be used for the purpose of initiating telemarketing calls, texts and e-mail messages. In no event shall you ever be required to provide such consent as a condition to purchasing any product or service.

Revisions to the Policy

Goji may at any time, and without notice, revise this Privacy Policy by updating this posting. You are bound by any such revisions and should therefore periodically visit this page to review the current Privacy Policy. The date of the most recent update is noted below.

Law and Jurisdiction

This Privacy Policy is governed by the laws of the Commonwealth of Massachusetts, USA, without regard to its choice of law provisions, except where preempted by federal law. The courts of general jurisdiction located within the City of Boston, Massachusetts, USA, will have exclusive jurisdiction over any and all disputes arising out of, relating to or concerning this Privacy Policy or in matters in which this Privacy Policy is a material fact.

In the event that a court of competent jurisdiction holds any provision of this Privacy Policy to be invalid or unenforceable, then such provision shall be severable from and shall not affect the validity or enforceability of the remaining provisions.

The Site is controlled, operated and intended for use solely within the United States of America. We do not represent or warrant that the Site, any content thereon, or any use of the Site or any such content are appropriate or lawful for use outside of the United States of America. Use of the Site is void where prohibited.

Contact Us with Questions or Comments

If you have any questions about the Privacy Policy, please contact us. The Privacy Policy is reviewed regularly, and updated as necessary. Your continued use of the Site after the date of any such update confirms your acceptance of the Privacy Policy as in effect as of such date. Updated: March 1, 2017.