This Privacy Policy statement is made by the insurance-made-easy.com consisting of all the entities listed here
(collectively, "insurance-made-easy.com", "we", "us" or "our") and is effective as of 25th May 2019.
It applies to all our divisions: insurance-made-easy.com, insurance-made-easy.com.
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insurance-made-easy.com’s Privacy Commitment
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insurance-made-easy.com has worried about customer and user privacy for almost 20 years, long before it became fashionable, politically correct, or
legally binding to take such a position. We ask for only the least amount of information necessary, gathering only what we believe
is essential for doing business, or for the specific transaction at hand. We let customers know the information we have on them
and allow them to opt out of specific engagements. But, by far, our biggest commitment is that we do not make a single dollar
from advertising revenue—never have, never will—even from the free editions of our products.
This means we avoid the fundamental conflict of interest between gathering customer information and fueling advertising revenue,
and the unavoidable compromises in customer privacy that it brings.
The goal of this policy is to make explicit the information we gather on our customers and users, how we will use it, and how we will not.
This policy is unfortunately longer than we would like, but we must unambiguously address all the relevant cases.
We will try and keep the language simple and direct as much as possible.
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Scope of this Privacy Policy
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This Privacy Policy applies to all insurance-made-easy.com websites that link to it. It also applies to the products and
services provided by insurance-made-easy.com through these websites, our mobile applications, and applications posted by
insurance-made-easy.com on insurance-made-easy.com’s online marketplace and in other third-party online marketplaces.
This Privacy Policy does not apply to any of our websites, products or services that have a separate
privacy policy.
This Privacy Policy is divided into three parts:
Part I – Information insurance-made-easy.com collects and controls
This part deals with how insurance-made-easy.com collects and uses information about website visitors, potential customers,
users of insurance-made-easy.com's products and services, and others who contact insurance-made-easy.com through forms or email addresses published on or linked to our websites.
Part II – Information that insurance-made-easy.com processes on your behalf
This part deals with how insurance-made-easy.com handles data that you entrust to insurance-made-easy.com when you use our products and services,
or when you share any personal or confidential information with us while requesting customer support.
Part III – General
This part deals with topics that are relevant to both Parts I and II, and other general topics such as
insurance-made-easy.com's security commitments and how we will inform you when we change this Privacy Policy.
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Part I – Information insurance-made-easy.com collects and controls
What information insurance-made-easy.com collects
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We collect information about you only if we need the information for some legitimate purpose.
insurance-made-easy.com will have information about you only if
(a) you have provided the information yourself,
(b) insurance-made-easy.com has automatically collected the information, or
(c) insurance-made-easy.com has obtained the information from a third party.
Below we describe the various scenarios that fall under each of those three categories
and the information collected in each one
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Information that you provide us
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i. Account signup : When you sign up for an account to access one or more of our services,
we ask for information like your name, contact number, email address, company name and country to
complete the account signup process. You'll also be required to choose a unique username and a
password for accessing the created account. You may also provide us with more information such as
your photo, time zone and language, but we don’t require that information to sign up for an account.
After signing up, you will have the option of choosing a security question and an answer to the security
question — if you provide these, they will be used only while resetting your password.
ii. Event registrations and other form submissions: We record information that you submit when you
(i) register for any event, including webinars or seminars,
(ii) subscribe to our newsletter or any other mailing list,
(iii) submit a form in order to download any product, whitepaper, or other materials,
(iv) participate in contests or respond to surveys, or
(v) submit a form to request customer support or to contact insurance-made-easy.com for any other purpose.
iii. Payment processing : When you buy something from us, we ask you to provide your name,
contact information, and credit card information or other payment account information.
When you submit your card information, we store the name and address of the cardholder,
the expiry date and the last four digits of the credit card number. We do not store the actual
credit card number. For quick processing of future payments, if you have given us your approval,
we may store your credit card information or other payment information in an encrypted format
in the secured servers of our Payment Gateway Service Providers.
iv. Testimonials : When you authorize us to post testimonials about our products and services
on websites, we may include your name and other personal information in the testimonial.
You will be given an opportunity to review and approve the testimonial before we post it.
If you wish to update or delete your testimonial, you can contact us at support@insurance-made-easy.com.net
v. Interactions with insurance-made-easy.com : We may record, analyze and use your interactions with us,
including email, telephone, and chat conversations with our sales and customer support
professionals, for improving our interactions with you and other customers.
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Information that we collect automatically
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i. Information from browsers, devices and servers : When you visit our websites,
we collect information that web browsers, mobile devices and servers make available,
such as the internet protocol address, browser type, language preference, time zone,
referring URL, date and time of access, operating system, mobile device manufacturer
and mobile network information. We include these in our log files to understand more
about visitors to our websites.
ii. Information from first party cookies and tracking technologies : We use temporary
and permanent cookies to identify users of our services and to enhance user experience.
We embed unique identifiers in our downloadable products to track usage of the products.
We also use cookies, beacons, tags, scripts, and other similar technologies to identify visitors,
track website navigation, gather demographic information about visitors and users,
understand email campaign effectiveness and for targeted visitor and user engagement by
tracking your activities on our websites. We only use first-party cookies and do not use
third-party cookies or other third-party tracking technologies on our websites.
You can learn more about the cookies used on our websites here .
We also use first-party Local Storage Objects (LSOs) such as HTML5 to store content
information and preferences to provide certain features.
iii. Information from application logs and mobile analytics :
We collect information about your use of our products, services and mobile applications
from application logs and in-house usage analytics tools, and use it to understand how
your business use and needs can improve our products. This information includes clicks,
scrolls, features accessed, access time and frequency, errors generated, performance data,
storage utilized, user settings and configurations, and devices used to access and their locations.
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Information that we collect from third parties
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i. Signups using federated authentication service providers :
You can log in to insurance-made-easy.com Services using supported federated authentication service providers such as LinkedIn,
Microsoft and Google. These services will authenticate your identity and give you the option to share
certain personal information with us, such as your name and email address.
ii. Referrals : If someone has referred any of our products or services to you through any of our
referral programs, that person may have provided us your name, email address and other personal
information. You may contact us at support@insurance-made-easy.com.net to request that we remove your information
from our database. If you provide us information about another person, or if another person gives us
your information, we will only use that information for the specific reason for which it was provided to us.
iii. Information from our reselling partners and service providers :
If you contact any of our reselling partners, or otherwise express interest in any of our products or
services to them, the reselling partner may pass your name, email address, company name and other
information to insurance-made-easy.com. If you register for or attend an event that is sponsored by insurance-made-easy.com, the event
organizer may share your information with us. insurance-made-easy.com may also receive information about you from review
sites if you comment on any review of our products and services, and from other third-party service
providers that we engage for marketing our products and services.
iv. Information from social media sites and other publicly available sources :
When you interact or engage with us on social media sites such as Facebook, Twitter, Google+ and
Instagram through posts, comments, questions and other interactions, we may collect such publicly
available information, including profile information, to allow us to connect with you, improve our
products, or better understand user reactions and issues. We must tell you that once collected,
this information may remain with us even if you delete it from the social media sites. insurance-made-easy.com may
also add and update information about you, from other publicly available sources.
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Purposes for using information
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In addition to the purposes mentioned above, we may use your information for the following purposes:
- To communicate with you (such as through email) about products that you have downloaded and services that you have signed up for, changes to this Privacy Policy, changes to the Terms of Service, or important notices;
- To keep you posted on new products and services, upcoming events, offers, promotions and other information that we think will be of interest to you;
- To ask you to participate in surveys, or to solicit feedback on our products and services;
- To set up and maintain your account, and to do all other things required for providing our services, such as enabling collaboration, providing website and mail hosting, and backing up and restoring your data;
- To understand how users use our products and services, to monitor and prevent problems, and to improve our products and services;
- To provide customer support, and to analyze and improve our interactions with customers;
- To detect and prevent fraudulent transactions and other illegal activities, to report spam, and to protect the rights and interests of insurance-made-easy.com, insurance-made-easy.com’s users, third parties and the public;
- To update, expand and analyze our records, identify new customers, and provide products and services that may be of interest to you;
- To analyze trends, administer our websites, and track visitor navigations on our websites to understand what visitors are looking for and to better help them;
- To monitor and improve marketing campaigns and make suggestions relevant to the user.
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Legal bases for collecting and using information
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Legal processing bases applicable to insurance-made-easy.com : If you are an individual from the European Economic Area (EEA),
our legal basis for information collection and use depends on the personal information concerned and
the context in which we collect it. Most of our information collection and processing activities are
typically based on (i) contractual necessity, (ii) one or more legitimate interests of insurance-made-easy.com or a third
party that are not overridden by your data protection interests, or (iii) your consent. Sometimes,
we may be legally required to collect your information, or may need your personal information to
protect your vital interests or those of another person.
Withdrawal of consent : Where we rely on your consent as the legal basis, you have the right to
withdraw your consent at any time, but this will not affect any processing that has already taken place.
Legitimate interests notice : Where we rely on legitimate interests as the legal basis and those
legitimate interests are not specified above, we will clearly explain to you what those legitimate
interests are at the time that we collect your information.
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Your choice in information use
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Opt out of non-essential electronic communications :
You may opt out of receiving newsletters and other non-essential messages by using the ‘unsubscribe’
function included in all such messages. However, you will continue to receive notices and essential
transactional emails.
Disable cookies : You can disable browser cookies before visiting our websites. However,
if you do so, you may not be able to use certain features of the websites properly.
Optional information : You can choose not to provide optional profile information such as your photo.
You can also delete or change your optional profile information.
You can always choose not to fill in non-mandatory fields when you submit any form linked to our websites.
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Who we share your information with
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All insurance-made-easy.com group entities listed here have access to the information covered in Part I.
We do not sell any personal information. We share your information only in the ways that are
described in this Privacy Policy, and only with parties who adopt appropriate confidentiality
and security measures.
Employees and independent contractors : Employees and independent contractors of all insurance-made-easy.com group entities
have access to the information covered in Part I on a need-to-know basis. We require all employees and
independent contractors of insurance-made-easy.com group entities to follow this Privacy Policy for personal information
that we share with them.
Third-party service providers : We may need to share your personal information and aggregated or
de-identified information with third-party service providers that we engage, such as marketing and
advertising partners, event organizers, web analytics providers and payment processors.
These service providers are authorized to use your personal information only as necessary to
provide these services to us.
Domain registrars : When you register a domain through insurance-made-easy.com from domain name registrars,
we share your name and contact information such as your physical address, email address and
phone number with them as per the ICANN domain registration rules.
Reselling partners : We may share your personal information with our authorized reselling partners
in your region, solely for the purpose of contacting you about products that you have downloaded
or services that you have signed up for. We will give you an option to opt out of continuing to
work with that partner.
Marketplace application developers : When you install or purchase any application developed
using insurance-made-easy.com's APIs that is posted on insurance-made-easy.com’s online marketplace, your name and email address
will be shared with the developer of the application, so they may engage with you directly as
the provider of that application or service. insurance-made-easy.com does not control the use of your personal
information by the developers, which will be based on their own privacy policies.
Other cases : Other scenarios in which we may share the same information covered under
Parts I and II are described in Part III.
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Your rights with respect to information we hold about you as a controller
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If you are in the European Economic Area (EEA), you have the following rights with
respect to information that insurance-made-easy.com holds about you. insurance-made-easy.com undertakes to provide you the same
rights no matter where you choose to live.
Right to access : You have the right to access (and obtain a copy of, if required) the
categories of personal information that we hold about you, including the information's source,
purpose and period of processing, and the persons to whom the information is shared
Right to rectification : You have the right to update the information we hold about you or to
rectify any inaccuracies. Based on the purpose for which we use your information, you can instruct
us to add supplemental information about you in our database.
Right to erasure : You have the right to request that we delete your personal information in
certain circumstances, such as when it is no longer necessary for the purpose for which it was
originally collected.
Right to restriction of processing : You may also have the right to request to restrict the use
of your information in certain circumstances, such as when you have objected to our use of your
data but we need to verify whether we have overriding legitimate grounds to use it.
Right to data portability : You have the right to transfer your information to a third party in a
structured, commonly used and machine-readable format, in circumstances where the information is
processed with your consent or by automated means.
Right to object : You have the right to object to the use of your information in certain circumstances,
such as the use of your personal information for direct marketing.
Right to complain : You have the right to complain to the appropriate supervisory authority if you
have any grievance against the way we collect, use or share your information.
This right may not be available to you if there is no supervisory authority dealing with data protection
in your country.
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Retention of information
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We retain your personal information for as long as it is required for the purposes stated in this
Privacy Policy. Sometimes, we may retain your information for longer periods as permitted or
required by law, such as to maintain suppression lists, prevent abuse, if required in connection
with a legal claim or proceeding, to enforce our agreements, for tax, accounting, or to comply
with other legal obligations. When we no longer have a legitimate need to process your information,
we will delete or anonymize your information from our active databases. We will also securely store
the information and isolate it from further processing on backup discs until deletion is possible.
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Part II – Information that insurance-made-easy.com processes on your behalf
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Information entrusted to insurance-made-easy.com and purpose
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Information provided in connection with services : You may entrust information that you or your
organization (“you”) control, to insurance-made-easy.com in connection with use of our services or for requesting
technical support for our products. This includes information regarding your customers and your
employees (if you are a controller) or data that you hold and use on behalf of another person
for a specific purpose, such as a customer to whom you provide services (if you are a processor).
The data may either be stored on our servers when you use our services, or transferred or shared
to us as part of a request for technical support or other services.
Information from mobile devices : When you elect to allow it, some of our mobile applications
have access to the camera, call history, contact information, photo library, and other
information stored on your mobile device. Our applications require such access to provide their
services. Similarly, when you elect to provide access, location-based information is also collected
for purposes including, but not limited to, locating nearby contacts or setting location-based reminders.
This information will be exclusively shared with our mapping providers and will be used only for
mapping user locations. You may disable the mobile applications' access to this information at
any time by editing the settings on your mobile device. The data stored on your mobile device
and their location information to which the mobile applications have access will be used in
the context of the mobile application, and transferred to and associated with your account
in the corresponding services (in which case the data will be stored on our servers) or
products (in which case the data will remain with you unless you share it with us).
(All the information entrusted to insurance-made-easy.com is collectively termed “service data”)
Ownership and control of your service data
We recognize that you own your service data. We provide you complete control of your service data
by providing you the ability to (i) access your service data, (ii) share your service data through
supported third-party integrations, and (iii) request export or deletion of your service data.
How we use service data
We process your service data when you provide us instructions through the various modules of our services.
For example, when you generate an invoice, information such as the name and address of your customer
will be used to generate the invoice; and when you use our campaign management service for email
marketing, the email addresses of the persons on your mailing list will be used for sending the emails.
Push notifications
If you have enabled notification on our desktop and mobile applications, we will push notifications
through a push notification provider such as Apple Push Notification Service, Google Cloud Messaging or
Windows Push Notification Services. You can manage your push notification preferences or deactivate
these notifications by turning off notifications in the application or device settings.
Who we share service data with
insurance-made-easy.com group and third party sub-processors : In order to provide services and technical support for our
products, the contracting entity within the insurance-made-easy.com group engages other group entities and third parties .
Employees and independent contractors : We may provide access to your service data to our employees
and individuals who are independent contractors of the insurance-made-easy.com group entities involved in providing the
services (collectively our “employees”) so that they can
(i) identify, analyze and resolve errors,
(ii) manually verify emails reported as spam to improve spam detection, or
(iii) manually verify scanned images that you submit to us to verify the accuracy of optical
character recognition. We ensure that access by our employees to your service data is
restricted to specific individuals, and is logged and audited. Our employees will also
have access to data that you knowingly share with us for technical support or to import
data into our products or services. We communicate our privacy and security guidelines to
our employees and strictly enforce privacy safeguards within the insurance-made-easy.com group.
Collaborators and other users : Some of our products or services allow you to collaborate
with other users or third parties. Initiating collaboration may enable other collaborators
to view some or all of your profile information. For example, when you edit a document that you
have shared with other persons for collaboration, your name and profile picture will be displayed
next to your edits to allow your collaborators to know that you made those edits.
Third-party integrations you have enabled : Most of our products and services support integrations
with third-party products and services. If you choose to enable any third-party integrations,
you may be allowing the third party to access your service information and personal information a
bout you. We encourage you to review the privacy practices of the third-party services and products
before you enable integrations with them.
Other cases : Other scenarios in which we may share information that are common to information
covered under Parts I and II are described in Part III.
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Retention of information
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We hold the data in your account as long as you choose to use insurance-made-easy.com Services.
Once you terminate your insurance-made-easy.com user account, your data will eventually get deleted from active
database during the next clean-up that occurs once in 6 months. The data deleted from active
database will be deleted from backups after 3 months.
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Data subject requests
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If you are from the European Economic Area and you believe that we store, use or process your
information on behalf of one of our customers, please contact the customer if you would like to
access, rectify, erase, restrict or object to processing, or export your personal data. We will extend
our support to our customer in responding to your request within a reasonable timeframe.
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Part III – General
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Children’s personal information
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Our products and services are not directed to individuals under 16. insurance-made-easy.com does not knowingly
collect personal information from children who are under 16 years of age.
If we become aware that a child under 16 has provided us with personal information,
we will take steps to delete such information. If you believe that a child under 16 years
has provided personal information to us, please write to support@insurance-made-easy.com.net with the details,
and we will take the necessary steps to delete the information we hold about that child.
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How secure is your information
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At insurance-made-easy.com, we take data security very seriously. That's why we have gotten certified for industry standards
such as ISO27001:2013 and SOC 2 Type II. We have taken steps to implement appropriate administrative,
technical & physical safeguards to prevent unauthorized access, use, modification, disclosure or
destruction of the information you entrust to us. If you have any concerns regarding the security
of your data, we encourage you to check our Security Policy or write to us at support@insurance-made-easy.com.net
with any questions.
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Data Protection Officer
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We have appointed a Data Protection Officer to oversee our management of your personal information
in accordance with this Privacy Policy. If you have any questions or concerns about our privacy
practices with respect to your personal information, you can reach out to our Data Protection Officer
by sending an email to support@insurance-made-easy.com.net or by writing to: Data Protection Officer,
American Business Services, Inc.,30 N. Gould St STE 4000 Sheridan, WY 82801-6362 USA.
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Locations and international transfers
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We share your personal information and service data within the insurance-made-easy.com Group.
By accessing or using our products and services or otherwise providing personal
information or service data to us, you consent to the processing, transfer, and storage of your
personal information or Service Data within the United States of America, the European Economic Area (EEA)
and other countries where insurance-made-easy.com operates. Such transfer is subject to a group company agreement that is
based on EU Commission’s Model Contractual Clauses.
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Data processing addendum
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To enable you to be compliant with the data protection obligations under the General Data Protection Regulation,
we are prepared to sign a Data Processing Addendum (DPA) that is based on Standard Contractual Clauses.
You can request a DPA from insurance-made-easy.com by completing this form . Once we get your request, we'll forward the DPA
to you for your signature.
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Do Not Track (DNT) requests
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Some internet browsers have enabled 'Do Not Track' (DNT) features, which send out a signal
(called the DNT signal) to the websites that you visit indicating that you don't wish to be
tracked. Currently, there is no standard that governs what websites can or should do when they
receive these signals. For now, we do not take action in response to these signals.
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External links on our websites
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Some pages of our websites may contain links to websites that are not linked to this Privacy Policy.
If you submit your personal information to any of these third-party sites, your personal information is
governed by their privacy policies. As a safety measure, we recommend that you not share any personal
information with these third parties unless you've checked their privacy policies and assured yourself
of their privacy practices.
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Blogs and forums
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We offer publicly accessible blogs and forums on our websites.
Please be aware that any information you provide on these blogs and forums may be used to contact you
with unsolicited messages. We urge you to be cautious in disclosing personal information in our
blogs and forums. insurance-made-easy.com is not responsible for the personal information you elect to disclose publicly.
Your posts and certain profile information may remain even after you terminate your account with insurance-made-easy.com.
To request the removal of your information from our blogs and forums, you can contact us at support@insurance-made-easy.com.net
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Social media widgets
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Our websites include social media widgets such as Facebook "like" buttons and Twitter "tweet" buttons
that let you share articles and other information. These widgets may collect information such as
your IP address and the pages you navigate in the website, and may set a cookie to enable the widgets
to function properly. Your interactions with these widgets are governed by the privacy policies of
the companies providing them.
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Disclosures in compliance with legal obligations
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We may be required by law to preserve or disclose your personal information and service data to
comply with any applicable law, regulation, legal process or governmental request, including to
meet national security requirements.
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Enforcement of our rights
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We may disclose personal information and service data to a third party if we believe that such
disclosure is necessary for preventing fraud, investigating any suspected illegal activity,
enforcing our agreements or policies, or protecting the safety of our users.
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Business Transfers
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We do not intend to sell our business. However, in the unlikely event that we sell our business or
get acquired or merged, we will ensure that the acquiring entity is legally bound to honor our
commitments to you. We will notify you via email or through a prominent notice on our website of
any change in ownership or in the uses of your personal information and service data.
We will also notify you about any choices you may have regarding your personal information
and service data.
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Compliance with this Privacy Policy
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We make every effort, including periodic reviews, to ensure that personal information you provide
is used in conformity with this Privacy Policy. If you have any concerns about our adherence
to this Privacy Policy or the manner in which your personal information is used, kindly write
to us support@insurance-made-easy.com.net We'll contact you, and if required, coordinate with the appropriate
regulatory authorities to effectively address your concerns.
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Notification of changes
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We may modify the Privacy Policy at any time, upon notifying you through a service
announcement or by sending an email to your primary email address.
If we make significant changes to the Privacy Policy that affect your rights, you will be
provided with at least 30 days' advance notice of the changes by email to your primary email address.
If you think that the updated Privacy Policy affects your rights with respect to your use of our
products or services, you may terminate your use by sending us an email within 30 days.
Your continued use after the effective date of changes to the Privacy Policy will be deemed to
be your agreement to the modified Privacy Policy. You will not receive email notification of minor
changes to the Privacy Policy. If you are concerned about how your personal information is used,
you should check back at https://www.insurance-made-easy.com.com/privacy.aspx periodically.
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