Privacy Policy

COLLECTION AND TRACKING OF PERSONAL INFORMATION

So that we can provide you with the most efficient and enhanced service, we may request information about you. We may also collect personally identifiable information such as name, email addresses and demographic information. We also may collect your IP address, browser type, domain name, access times and referring web site address.

Also, if you decide to purchase or obtain a quotation for insurance, we will require you to provide us with more information, such as your name and address, travel arrangements and credit card information. More specifically:

  • For a quote:
    • Requested coverage limits, dates of travel, age(s) or date(s) of birth for each traveller, destination, trip type (e.g., pleasure, adventure, business), nationality, and country and/or state of residency.
  • To purchase an insurance policy, we collect from you and disclose to the relevant insurance carrier(s) the following information in addition to the information required for a quote:
    • Name, telephone number(s), email address, mailing address, passport number, trip deposit date (if applicable), trip departure date, and to the extent applicable, information concerning the travel, booking and/or tour operators.
    • credit card information.
  • For an insurance agent to inquire about doing business with us:
    • Business contact information such as name, company name, telephone number, mailing address, state insurance agent license number
    • Other business information, such as the insurance providers with which you have current agency contracts.

WHAT WE DO WITH COLLECTED INFORMATION

Information Collected for Quotes or Policy Purchases

The information collected for a quote or for an insurance policy is used to provide policy quotes and to issue your policy. This information is sent only to the insurance company underwriting the policy.

When we collect information for a quote or an insurance policy, we will use it only in connection with the provision of the quote and/or delivering, billing for, and communication concerning the relevant insurance policy.

We retain information provided by you for the provision of a quote or purchase of an insurance policy on our servers located in the United States. We retain only the last 4 digits of your credit card number.

Please be aware that information collected in connection with the provision of a quote or purchase of an insurance policy is separate from the other information we may collect from you in connection with (for example) your establishment of an account on VisitorsCoverage.com or TMQuotes.com, which other information is treated as described in the remainder of this privacy policy.

Insurance Agent Information

If you are an insurance agent who voluntarily contacts us through VisitorsCoverage.com or TMQuotes.com, we may keep a record of your contact information and correspondence, and may use your contact information and any other information that you provide to us, to respond to you. We treat this information as it would treat any other unsolicited business correspondence, and have no obligation to keep this information confidential, nor to take any security measures to protect this information.

Other Collected Information

We may use personal information in order to display custom, personalized content to our visitors and send newsletters, emails, features, promotional material, surveys and other updates to our users. A user may, at any time, opt out of receiving such information. We also use collected information to evaluate and administer our service, respond to any problems that may arise and to gauge user trends to determine what part of our services are most popular with users.

We may extend offers to users on behalf of our partners about a particular product or service that may be of interest to you, but we will never give out your name or personal information at any time without your permission.

We allow users of our web site to send articles or links by email to other parties who may be interested in them. We do not retain any email to other parties who may be interested in them. We do not retain any email addresses (unless you are a user who already has voluntarily provided your email address) of either the sender or receipt of such articles or links after they are sent.

We reserve the right to use or disclose any information without notice or consent as needed to satisfy any law, regulation or legal request (e.g., subpoenas), to conduct investigations of consumer complaints or possible breaches of law, to protect the integrity of our site and our property, to protect the safety of our visitors or others, to fulfill your requests, or to cooperate in any legal investigation.

Personally identifiable information, including associated usage information, may be provided to a third party if there is a transfer of the assets or ownership of VisitorsCoverage ® Inc. or if VisitorsCoverage ® Inc. files for bankruptcy.

You should be aware that if you voluntarily disclose information online (whether through VisitorsCoverage ® Inc.'s services or any other services available online), personal or otherwise, that information could be collected and used by others. For example, if you use chat forums, bulletin boards, and you post your e-mail or id, you may receive unsolicited messages form others. VisitorsCoverage ® Inc. has no control over this use of your personal information.

Independent Agents

If you are using a version of VisitorsCoverage.com or TMQuotes.com with Independent Agent branding, then we may share any information we collect from you with that Independent Agent. They may use and disclose information in the same way that we may use and disclose information under this Privacy Policy. Any information you may share with the Independent Agent directly (that is, not through VisitorsCoverage.com or TMQuotes.com) is information shared with a third party, and is covered under "External Links and Third Parties" below.

Your browser offers so-called "cookies" which, if you allow their use, store small amounts of data on your computer when you visit a web site. Cookies do not contain any personally identifiable information about you and therefore cannot be used to identify you personally. Cookies simply assist us in tracking which of our features you like best. Cookies will also enable us to customize our content according to your preferences. You have the ability to accept or decline cookies by modifying your browser and our web sites are viewable even if you disable cookies, some advanced and customized features of our site, as well as other web sites, will not be available to you.

Some of the banner ads displayed in our web sites are provided by outside companies. These ads may contain cookies. While we use cookies in other parts of our Web sites, cookies received with banner ads are collected by our advertisers and we do not have access to this information.

Some of our web pages may contain electronic images known as web beacons, which are also called single-pixel gifs. These images allow us to count users who have visited those pages and to deliver co-branded services. We also may include web beacons in promotional e-mail messages or newsletters in order to count how many messages have been opened and acted upon. Web beacons are not used to access your personally identifiable information but they are a technique we use to compile aggregated statistics about our web site usage. Web beacons collect only a limited set of information including a cookie number, time and date of a page view and a description of the page on which the web beacon resides. Some of our web pages may also contain web beacons placed there by our advertising partners to help us determine the effectiveness of our advertising campaigns.

We implement a variety of security measures to maintain the safety of personally identifiable information when a user enters, submits, or accesses their personal information, when we retain that information, and when we transmit that information to third parties as permitted under this privacy policy.

We offer the use of a secure server for VisitorsCoverage.com and TMQuotes.com. All personally identifiable information supplied by you to us via VisitorsCoverage.com and TMQuotes.com is transmitted via Secure Socket Layer (SSL) or similarly secure technology. We allow personally identifiable information to be accessed only by persons with specified rights to do so.

Due to the open nature of communication through the Internet, we cannot guarantee that communications between you and VisitorsCoverage ® Inc., or between VisitorsCoverage ® Inc. and the insurance carriers to which you ask us to submit your information, will be free from unauthorized access by third parties, nor that third parties will not be able to circumvent the safeguards we have put in place. We cannot absolutely guarantee the security of any information that is disclosed or transmitted online.

CONTROLLING YOUR PERSONAL INFORMATION

A user may, at any time, change, correct, modify or delete any personal information they may have provided to VisitorsCoverage ® Inc. by contacting the VisitorsCoverage ® Inc. service using our contact Us form.

FINALLY

The internet is an evolving environment. If required, we may change our privacy policy at any time in the future, without any notice to the users. However, the changes will be posted here. Use of any information will always comply with our privacy policy, even if we later change this policy.

Disclaimer

Information provided here is high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benefits, Limitations and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding.

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