Goji may collect information about you, and your use of the Site, in several different ways:
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:
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:
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.
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:
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.
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
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.
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.
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.
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: firstname.lastname@example.org
Once such a request has been received and verified, we will delete the information collected within a reasonable time.
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.
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.
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.
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.
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.