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Privacy Policy

Effective Date: January 1, 2022

This website is owned and operated by Reepher, Inc.  or one of its affiliates (collectively, “Reepher,” “we,” “our,” and “us”). This Privacy Policy applies to any website or application that posts a link to this page (collectively, the “Site”). By accessing our Site, you consent to this Privacy Policy and our Terms of Use, including our collection, use, and sharing of your information, as described below. If you do not agree to these Terms of Use or our Privacy Policy, please exit our Site.

  1. Information We Collect
    1.1 Information You Provide to Us
    1.2 Payments
    1.3 Automated Information Collection
    1.4 Analytics Services and Targeted Ads
  2. How We Use the Information That We Collect
  3. Third-Party Sites & Services
    3.1 Links to Third-Party Sites
    3.2 Third-Party Tracking and Do Not Track
  4. How We Protect Your Information
  5. Transfer of Information to the United States
  6. California Privacy Rights
  7. Children’s Privacy
  8. Privacy Policy Changes
  9. Contact Us

Information We Collect

We collect information about you when you choose to share such information with us by entering it on our Site and by using automated processes. To request that we do not sell this information, please submit your request here.

Information You Provide to Us

We may ask you and you may choose to provide certain personal information to us, such as your first and last name, your date of birth, your sex, driver’s license number, state of residency, e-mail address, criminal history, insurance coverage, mailing and billing addresses, financial information, and telephone number. You may also choose to provide us with information about your marital status, occupation, family or other details. We may collect this information in various places, including when you register for an account, apply for an insurance plan, report a claim, make a payment, or in other parts of our Site.

Payments

In order to make payments on the Site, you will need to provide your account number, your date of birth, and your payment information, such as your credit card or debit card number and expiration date. If you choose to make a payment online, you will be redirected to our CPI-compliant third-party payment processor, Recurly. Reepher strives to ensure that all of its partners and affiliates maintain industry-standard privacy policies. Please be aware, however, that Reepher does not directly collect or store any of your payment information, and it does not control the privacy policies and practices of its third-party payment processor. To understand how Recurly collects, processes and stores your payment and other information, please review the Recurly Privacy Policy.

Automated Information Collection

We may automatically collect certain information when you visit or use our Site. This information may include your IP address (or other unique device identifier, including one that we may assign); certain details about your browser, operating system, and hardware; your location, if available; the URL that referred you to our Site; your activities on our Site, including your preferences; and other logging information, such as the date and time of your visit. We also use web server logs to collect and store information about Site usage. If applicable, when you use our mobile applications or visit our Site from a mobile device, like a smartphone, we may also collect additional information from your device, including your location, device identifier, and information about your mobile network. We may use a variety of tracking technologies to collect this information, including without limitation, cookies, web beacons, embedded scripts, browser fingerprinting, etag, recognition technologies, location-identifying technologies, and subsequent tracking technologies and methods later developed.

A cookie (or “locally shared object”) is a data file placed on your device when you visit our Site. A Flash cookie (or locally shared object) is a data file placed on a device via the Adobe Flash plug-in ‎that may be built-in to or downloaded by you to your device. HTML5 cookies can be programmed ‎through HTML5 local storage.‎ Your browser, or other software (including Adobe Flash), may allow you to reject or remove cookies, but if you do so, some features of our Site may not work properly, and we may not be able to remember your preferences the next time that you visit.

 

Analytics Services and Targeted Ads

We use third-party analytics services (e.g., Google Analytics). These services may track details about your online activities over time and across different sites. These services help us to improve our Site and the products and services that we offer you. These services may also allow us and others to provide you with targeted advertisements or other content that you may be interested in based on your online activities.  If you would like to learn more about targeted ads that may be based on your online activities, and the choices you may make for certain sites and advertisers, you may wish to visit the Network Advertising Initiative or the Digital Advertising Alliance.

How We Use the Information That We Collect

We use the information that we collect from you to process transactions, such as when you apply for a plan or submit a claim, and to provide you with information that may be of interest to you, such as e-mail newsletters, special offers, or details regarding new services. We also use the information that we collect to process your account registration and to enable you to use certain Site features. We may also use the information that we collect to customize your experience on our Site, to provide customer support, and to enforce our Terms of Use.

How and When We Share Information with Third Parties

We may share the information that we collect with third parties for a variety of purposes. For example, we may share information with service providers who assist us in our business operations. We may also share information where required by law or to satisfy any applicable law, regulation, subpoena, government request, or other legal process. We may also share information with third parties, including law enforcement, to protect our Site and to enforce our Terms of Use. We also reserve the right to share the information that we collect with our subsidiaries and affiliates and with any subsequent owner in the event of a merger, consolidation, sale of our assets, or other change in our business.

Third-Party Sites & Services  

Third-Party Tracking and Do Not Track

Third parties may use tracking technologies in connection with our Site, which may include the collection of information about your online activities over time and across third-party websites. This Privacy Policy does not apply to these third-party technologies because we may not control them and we are not responsible for them. Do Not Track is a technology that enables users to opt out of tracking by websites they do not visit.

How We Protect Your Information

We use commercially reasonable and industry standard security technologies and safeguards to protect the information that we collect and use. We also expect our service providers to protect information in the same manner. However, no data transmission over the Internet, mobile networks, wireless transmission or electronic storage of information is guaranteed 100% secure. Please note that we cannot guarantee the security of any information you transmit to us.

Transfer of Information to the United States

If you are from a non-U.S. country, please be aware that the personal information you submit, including information provided through our Site, is being sent to a location in the United States. The data protection laws in the United States may differ from those of the country in which you are located, and your personal information may be subject to access requests from governments, courts, or law enforcement in the United States according to laws of the United States. By providing such personal information, you are consenting to (and represent that you have authority to consent to), the transfer of such information to the United States for the uses and purposes described in this Privacy Policy.

California Privacy Rights

If you are a resident of California you have additional rights under California law.  Please review our California Consumer Privacy Act Privacy Policy for more information about additional rights under California law.

 

Do Not Sell My Personal Information

California residents may opt out of the “sale” of their personal information. We sell certain of your information to third parties to provide you with offers and promotions and opportunities that may be of interest to you.

Under the CCPA, sale is defined such that it may include allowing third parties to receive certain information, such as cookies, IP address, and/or browsing behavior, to deliver targeted advertising on the Services or other services. Advertising, including targeted advertising, enables us to provide you certain content for free and allows us to provide you offers relevant to you.

Depending on what Services you use, we may provide the following categories of personal information to third parties for these purposes:

  • For online targeted advertising purposes: demographic and statistical information, user-generated content, device information and identifiers, browser and usage data, geolocation, and social media information.
  • For sharing with third parties to send you relevant offers, products, promotions and opportunities: contact and registration information, demographic and statistical information, user-generated content, device information and identifiers, browser and usage data, and geolocation.

If you would like to opt out of our use of your information for such purposes that are considered a “sale” under California law, you may do so by opting out in your account data privacy settings page or by submitting a sale opt-out request by emailing us at no-reply@reepher.com. Please note that we do not knowingly sell the personal information of minors under 18 years of age without legally-required affirmative authorization.

Rights for California Consumers

If you are a California resident, you may have certain rights. California law may permit you to request that we:

  • Provide you the categories of personal information we have collected or disclosed about you in the last twelve months; the categories of sources of such information; the business or commercial purpose for collecting or selling your personal information; and the categories of third parties with whom we shared personal information.
  • Provide access to and/or a copy of certain information we hold about you.
  • Delete certain information we have about you.

We will take reasonable steps to verify your identity before responding to a request, which may include, at a minimum, depending on the sensitivity of the information you are requesting and the type of request you are making, verifying your name, email address, and physical address. Requests provided without sufficient identifying information will be disregarded. If information provided during the application process is insufficient to identify the requestor, collection, access and deletion requests will also be disregarded.


You are also permitted to designate an authorized agent to submit certain requests on your behalf. In order for an authorized agent to be verified, you must provide the authorized agent with signed, written permission to make such requests or a power of attorney. We may also follow up with you to verify your identity before processing the authorized agent’s request.

If you would like further information regarding your legal rights under California law or would like to exercise any of them, please email us at contact@reepher.com.

You may have the right to receive information about the financial incentives that we offer to you (if any). You also have the right to not be discriminated against (as provided for in applicable law) for exercising certain of your rights. Certain information may be exempt from such requests under applicable law. We need certain types of information so that we can provide the Services to you. If you ask us to delete it, you may no longer be able to access or use the Services.

 

Children’s Privacy

Our Site is intended for general audiences, and we do not knowingly seek or collect personal information from children under the age of 18. In accordance with the Child Online Privacy Protection Act, in the event that we learn that we have collected personal information from a child under age 13 without verification of parental consent, we will delete that information as quickly as possible. If you believe that we might have any personal information from or about a child, please contact us at contact@reepher.com.

Privacy Policy Changes

We reserve the right to change this Privacy Policy at any time and we will post notice of any such changes on our Site. Your use of our Site after the effective date constitutes your acceptance of the amended terms and conditions. We reserve the right to apply the amended terms to the information that we have already collected, subject to any legal constraints.

Contact Us

If you have any questions regarding our Privacy Policy, practices, or your use of our Site, please contact us at contact@reepher.com

 

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