Last modified: April 25, 2017

Introduction

Zander Insurance Group ("Zander," the "Company" or "We") respects your privacy and is committed to protecting it through our compliance with this policy.

This policy describes the types of information We may collect through the websites, services and applications that We make available to you, including Zanderins.com(the "Website"), and our practices for collecting, using, maintaining, protecting and disclosing that information. We are committed to protecting the privacy, accuracy and reliability of that information. Your use of the Website is governed by this Privacy Policy, along with the Company’s Terms of Use (available here: TERMS OF USE).

This policy applies to information We collect:

  • on this Website;
  • in e-mail, text and other electronic messages between you and this Website
  • through mobile and desktop applications you download from this Website, which provide dedicated non-browser-based interaction between you and this Website; and
  • when you interact with our advertising and applications on third-party websites and services or post content related to the Company or this Website on third-party websites. It does not apply to information collected by:
  • any third party, including through any application or content (including advertising) that may link to or be accessible from or on the Website.
  • us offline or through any other means, including on any other website operated by Company or any third party; or

Please read this policy carefully to understand our policies and practices regarding your information and how We will treat it. Your privacy is of the utmost importance to us; however, if you do not agree with our policies and practices, your choice is not to use our Website. By accessing or using this Website, you agree to this privacy policy. Your continued use of this Website after We make changes is deemed to be acceptance of those changes, so please check the policy periodically for updates.

Children Under The Age of 13

Our Website is not intended for children under 13 years of age. No one under age 13 may provide any Personal Information to or on the Website. We do not knowingly collect Personal Information from children under 13. If you are under 13, do not register on the Website, make any purchases through the Website, use any of the interactive or public comment features of this Website or provide any information about yourself to us, including your name, address, telephone number, e-mail address or any screen name or user name you may use. If We learn We have collected or received Personal Information from a child under 13 without verification of parental consent, We will delete that information.

We do use persistent identifiers to monitor Website traffic and usage patterns in order to support the internal operations of our Website and provide a better user experience. It is possible that We may collect some of this information from children under 13.

Information We Collect About You and How We Collect It

Usage Details, IP Addresses, Cookies and Other Technologies. We collect certain limited information from and about users of our Website automatically as you navigate through the site, when We send you emails, when you respond to surveys, and when you use any referral service We may offer. Information collected automatically may include certain information about your equipment, browsing actions and patterns, including:

  • details of your visits to our Website, including traffic data and other communication data and the resources that you access and use on the Website; and/or
  • information about your computer and internet connection, including your IP address, operating system and browser type.

We collect this information.

  • directly from you when you provide it to us;
  • automatically as you navigate through the site. Information collected automatically may include usage details, IP addresses and information collected through cookies, web beacons and other tracking technologies; and
  • from third parties, for example, our business partners.

The statistical data We collect helps us to improve our Website and to deliver a better and more personalized service by enabling us to:

  • estimate our audience size and usage patterns;
  • store information about your preferences, allowing us to customize our Website according to your individual interests;
  • speed up your searches; and
  • recognize you when you return to our Website. The technologies We use for this automatic data collection may include:
  • Cookies (or browser cookies). A cookie is a small file placed on the hard drive of your computer. You may refuse to accept browser cookies by activating the appropriate setting on your browser. However, if you select this setting you may be unable to access certain parts of our Website. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you direct your browser to our Website. Specifically, We use Remarketing with Google Analytics, Google Display Network Impression Reporting, Google Analytics Demographics and Interest Reporting, and other integrated services that require Google Analytics to collect data for advertising purposes, including the collection of data via advertising cookies and identifiers. You can opt-out of the Google Analytics Advertising Features on the Google Analytics' currently available opt-outs for the web.
  • Flash Cookies. Certain features of our Website may use local stored objects (or Flash cookies) to collect and store information about your preferences and navigation to, from and on our Website. Flash cookies are not managed by the same browser settings as are used for browser cookies. For information about managing your privacy and security settings for Flash cookies, see Choices about How We Use and Disclose Your Information below.
  • Web Beacons. Pages of the Website and our e-mails may contain small electronic files known as web beacons (also referred to as clear gifs. pixel tags and single-pixel gifs) that permit the Company, for example, to count users who have visited those pages or opened an e-mail and for other related website statistics (for example, recording the popularity of certain website content and verifying system and server integrity).

If you have concerns about providing information to us or having such information displayed on our services or otherwise used in any manner permitted in this Privacy Policy and/or the Terms of Use, you should not request a quote, visit our websites, apps or otherwise use our services.

Information You Provide to Us

If you request a quote or register for a product or service, We may collect additional information from and about you, including information by which you may be personally identified, such as name, postal address, e-mail address, telephone number, or any other identifier by which you may be contacted online or offline ("Personal Information") and information that is about you but individually does not identify you, such as gender. We collect this information directly from you when you provide it to us. We may use this information to obtain additional Personal Information about you for marketing and providing our services.

This information We collect on or through our Website may include:

  • Information that you provide by filling in forms on our Website. This includes information provided at the time of requesting a quote or a product or service from our Website, posting material or requesting further services. We may also ask you for information when you report a problem with our Website.
  • Information that is about you but individually does not identify you, such as your username, password, job title, and company.
  • Non-Zander content that you sync with your profile, such as your email address book, mobile devices contracts or calendar; and/or Records and copies of your correspondence (including e-mail addresses), if you contact us.
  • Your responses to surveys that We might ask you to complete for research purposes.
  • Details of transactions you carry out through our Website and of the fulfillment of your orders. You may be required to provide financial information before placing an order through our Website.
  • Your search queries on the Website.

We may provide a referral service to enable you to tell a friend about our services, in which case We will ask you for your friend’s name and email address and then send your friend a one-time email inviting him or her to try our services. We may also collect any reviews you post about the Company and/or its services on third-party websites and post them on the Website.

Third-party Use of Cookies and Other Tracking Technologies

Some content or applications, including advertisements, on the Website are served by third-parties, including advertisers, ad networks and servers, content providers and application providers. These third parties may use cookies alone or in conjunction with web beacons or other tracking technologies to collect information about you when you use our website. The information they collect may be associated with your personal information or they may collect information, including Personal Information, about your online activities over time and across different websites and other online services. We do not control these third parties’ tracking technologies or how they may be used. If you have any questions about an advertisement, you should contact the responsible third party directly.

You do have choices about how your non-personal information is collected through these tracking technologies. From our Website, you can set your browser to refuse all or some browser cookies, or to alert you when cookies are being sent. To learn how you can manage your Flash cookie settings, visit the Flash player settings page on Adobe’s website. Please be aware, however, if you do disable or refuse cookies, some parts of this site may then be inaccessible or not function properly.

We do not control third parties’ collection or use of your information to serve interest-based advertising. However these third parties may provide you with ways to choose not to have your information collected or used in this way. You can opt out of receiving targeted ads from members of the Network Advertising Initiative ("NAI") on the NAI website or from the Digital Advertising Alliance (“DAA”) on the DAA website. We are committed to complying with the Self-Regulatory Program for Online Behavioral Advertising. To learn more and make choices about interest-based ads from participating third parties, please visit the NAI or the DAA consumer opt out page.

How We Use Your Information

We use information that We collect about you or that you provide to us, including any Personal Information:

  • To present our Website and its contents to you.
  • To provide you with information, products or services that you request from us.
  • To insurance carriers, to provide Quotes and/or process and submit Applications for insurance coverage.
  • To fulfill any other purpose for which you provide it.
  • To provide you with notices about your account.
  • To carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing and collection.
  • To notify you about changes to our Website or any products or services We offer or provide though it.
  • To allow you to participate in interactive features on our Website.
  • In any other way We may describe when you provide the information.
  • For any other purpose with your consent.

We may also use your information to contact you about goods and services that may be of interest to you. If you do not want us to use your information in this way, please adjust your user preferences in your account profile. For more information, see "Choices About How We Use and Disclose Your Information" below.

We may use the information We have collected from you to enable us to display advertisements to our advertisers' target audiences. Even though We do not disclose your Personal Information for these purposes without your consent, if you click on or otherwise interact with an advertisement, the advertiser may assume that you meet its target criteria.

Personal Information that is shared with insurance carriers for the sole purpose of applying for insurance may result in direct contact from the insurance carrier selected.

Disclosure of Your Information

We may disclose aggregated information about our users without restriction.

We may disclose Personal Information that We collect or you provide as described in this privacy policy:

  • To our subsidiaries and affiliates.
  • To contractors, service providers and other third parties We use to support our business.
  • To a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution or other sale or transfer of some or all of the Company’s assets, whether as a going concern or as part of bankruptcy, liquidation or similar proceeding, in which Personal Information held by the Company about our Website users is among the assets transferred.
  • To third parties to market their products or services to you if you have not opted out of these disclosures.
  • To fulfill the purpose for which you provide it.
  • For any other purpose disclosed by us when you provide the information; and/or with your consent.

We may also disclose your Personal Information:

  • to comply with any court order, law or legal process, including to respond to any government or regulatory request;
  • to enforce or apply our TERMS OF USE and other agreements, including for billing and collection purposes; and/or
  • if We believe disclosure is necessary or appropriate to protect the rights, property, or safety of the Company, our customers or others.

Accessing and Correcting Your Information

You can review and change your Personal Information by logging into the Website and visiting your account profile page.

You may also send us an e-mail at info@zanderins.com to request access to, correct or delete any Personal Information that you have provided to us. We cannot delete your Personal Information except by also deleting your user account. We may not accommodate a request to change information if We believe the change would violate any law or legal requirement or cause the information to be incorrect.

If you delete your User Contributions from the Website, copies of your User Contributions may remain viewable in cached and archived pages, or might have been copied or stored by other Website users. Proper access and use of information provided on the Website, including User Contributions, is governed by our TERMS OF USE.

Your California Privacy Rights

California Civil Code Section § 1798.83 permits users of our Website that are California residents to request certain information regarding our disclosure of Personal Information to third parties for their direct marketing purposes. To make such a request, please send an e-mail to info@zanderins.com

Data Security

We have implemented measures designed to secure your Personal Information from accidental loss and from unauthorized access, use, alteration and disclosure. All information you provide to us is stored on our secure servers behind firewalls. Any payment transactions will be encrypted through transit.

The safety and security of your information also depends on you. Where We have given you (or where you have chosen) a password for access to certain parts of our Website, you are responsible for keeping this password confidential. We ask you not to share your password with anyone.

Unfortunately, the transmission of information via the internet is not completely secure. Although We do our best to protect your Personal Information, We cannot guarantee the security of your Personal Information transmitted to our Website. Any transmission of Personal Information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on the Website.

Changes to Our Privacy Policy

It is our policy to post any changes We make to our privacy policy on this page. If We make material changes to how We treat our users' Personal Information, We will notify you by e-mail to the e-mail address specified in your account and/or through a notice on the Website home page. The date the privacy policy was last revised is identified at the top of the page. You are responsible for ensuring We have an up-to-date active and deliverable e-mail address for you, and for periodically visiting our Website and this privacy policy to check for any changes.

Contact Information

To ask questions or comment about this privacy policy and our privacy practices, contact us at: https://www.zanderins.com/contact-us

Zander Insurance Group (“Zander,” “Zander Identity Theft Solutions,” “we,” “us” and “our”) and our wholly-owned subsidiary, JJZ Insurance Agency, a TN General Partnership, respect individual privacy and value the confidence of our subscribers. This Privacy Policy sets out the privacy principles that we follow with respect to processing personal information in the course of providing our products and services. We will only collect, use and disclose personal information in a manner consistent with the laws of the countries in which we operate, for example, both relevant Federal and State laws in the U.S. By using the Zander Identity Theft Solutions website, you consent to the data practices described in this Privacy Policy.

  1. INTRODUCTION

    2. This Privacy Policy applies to all personal data provided to CSID from subscribers applying to use our services.

    Zander combines multiple layers of protection and goes beyond basic credit monitoring for 360 degrees of identity defense. We offer comprehensive protection that reviews non-credit identity records in order to protect your identity. Protecting our subscriber’s privacy is at the forefront of Zander.

  2. WHAT INFORMATION DO WE COLLECT AND WHY?

    3. We may collect personal information from which you can be identified, such as your name, date of birth, postal and e-mail address, phone number, national identifier or social security number (as applicable) and credit card details.

    We will use this data to access and monitor various data sets that you request us to monitor as part of your identity protection service and for the prevention and detection of fraud. When you close your account, we may continue to share information about you according to our legal and regulatory requirements.

    We will use the information you provide us solely for the purpose of providing you with the products and services you have requested and for administering our relationship with you, internal business purposes, our product or service development and/or statistical analysis.

    In some instances, we may ask information from you about others (such as your child’s information). We will only use that information for the specific reason for which it was provided to us.

  3. DO WE DISCLOSE OR SHARE YOUR INFORMATION?

    4. We will share your personal information with third parties only in the ways that are described in this Privacy Policy. We do not sell your personal information to, or share such personal information with, third parties for their promotional use or for marketing purposes.

    In order for us to provide you with our identity protection service and for the prevention and detection of fraud, we will share your personal information with third parties who perform services on our behalf. Depending on the service you have requested, we may share your name, e-mail address, national identifier or social security number (as applicable). We will also share your billing information with a credit card processing company in order to bill you for goods and services. These companies are authorized to use your personal information only as necessary to provide these services to us.

    In certain situations, Zander Identity Theft Solutions may be required to disclose personal data in response to lawful requests by public authorities, including to meet national security or law enforcement requirements.

    As may be required by law, we may also disclose your personal information, for example to comply with a subpoena, or similar legal process, when we believe in good faith that the disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a government request.

    In addition, in the event of a merger, acquisition, or any form of sale of some or all of our assets to a third party, we may also disclose your personal information to the third parties concerned or their professional advisors. In the event of such a transaction, the personal information held by Zander Identity Theft Solutions will be among the assets transferred to the buyer.

  4. IS YOUR INFORMATION SECURE?

    5. We have appropriate physical, technical and organizational measures in place to protect your data when held by Zander Identity Theft Solutions that comply with relevant legal and best practice requirements. When you enter sensitive information (such as a credit card, social security number or login credentials) as part of the enrollment process, we encrypt the transmission of that information using secure socket layer technology (SSL).

    When you submit information to Zander Identity Theft Solutions through the relevant portal or website, you should be aware that your information is transmitted across the Internet and that no method of transmission over the Internet is 100% secure. Although we take reasonable security measures to protect your information when we receive it, you also need to ensure you take appropriate steps to protect your information.

    We will obtain assurances from any agents we may use to help provide this service that they will safeguard personal information consistently with this Privacy Policy, which assurance will require the agent to provide the same level of protection as is required by the relevant Privacy Shield Principles and the EU Data Protection Directive.

  5. WILL WE SEND YOU OFFERS OF OTHER ZANDER PRODUCTS AND SERVICES?

    6. Our range of identity protection products and services is constantly evolving to match the increasingly sophisticated market in which we operate. We will not send you details of other Zander products or services or those of any reputable third parties without your prior consent and you can change your mind at any time by contacting us. In the limited instances we send you promotional or other informational communications, you may opt-out of receiving them by following the instructions included in each communication, by e-mailing us at the e-mail address provided below or by contacting us through one of the methods listed below.

  6. DO WE USE COOKIES?

    7. We, and the third parties we engage to perform analytics services, automatically collect certain general information when you access our website, via Cookies, Log Files, Web Beacons, and other tracking technologies (the “Tracking Technologies”). We and the third parties we engage use these Tracking Technologies to administer and improve our website and the content on it, including to track user movements around the website, to gather usage information and statistics about how our website is used, to permit users to log in or enroll in our services, to store user preferences, and to customize content. We do not use cookies for marketing or advertising purposes.

    We may combine the information we have automatically collected from you with other information we collect about you. We do this to improve services we offer you, to improve, analytics, or website functionality, and to develop new products and services. The following are some examples of information we may collect:

    • Zander Identity Theft Solutions Web site pages you view
    • Emails that you open or forward
    • Links you click on
    • Forms you complete

    In connection with the website, for example during the enrollment process or upon log into the website portal, information about your computer, such as the device ID and other accompanying technical attributes and characteristics, may be accessed, retained and used by us or our service provider solely to analyze trends, track users’ movements on the website, and to gather demographic information about the user base as a whole. If you access our website through a mobile device, we also may collect information about your device, such as the device ID or another identifier as permitted by the manufacturer.

    Zander Identity Theft Solutions and our clients have access to reports produced by these service providers that contain anonymized trends and statistics about website usage on Zander Identity Theft Solutions’ proprietary platforms. However, neither Zander Identity Theft Solutions nor any other third parties are able to tie any of the anonymized analytics data to your personal information. At no time will this information be provided or sold to any third party affiliates for advertising or marketing purposes. The use of cookies by our partners and the third parties we engage to perform analytics services is not covered by our Privacy Policy.

    We, and the third parties we engage to perform analytics services, use both session ID cookies and persistent cookies. Specifically, we use session-based cookies in order to store language and other country specific preferences such as support contact information. Zander Identity Theft Solutions may also utilize cookies in order to track internal metrics of site usage. A session ID cookie expires when you close your browser. A persistent cookie remains on your hard drive for an extended period of time. Persistent cookies also enable us to track and target the interests of our users to enhance the experience on our site. You can remove persistent cookies by following directions provided in your Internet browser’s “help” file. You can choose to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. However, this may prevent you from taking full advantage of the website.

    As is true of most websites, we gather certain information automatically and store it in log files. This information may include Internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data. We do not link this automatically collected data to other information we collect about you.

    Third parties with whom we partner to provide certain features on our website also use HTML5 to collect and store information. Various browsers may offer their own management tools for removing HTML5.

  7. LINKS TO OTHER WEB SITES

    8. Our website may contain links to other web sites of interest. However, once you have used these links to leave our site, you should note that we do not have any control over that other website. Therefore, we cannot be responsible for the protection and privacy of any information that you provide while visiting such sites and such sites are not governed by this Privacy Policy. You should exercise caution and look at the privacy statement applicable to the website in question.

  8. SOCIAL MEDIA WIDGETS

    9. Our Web site: www.zanderins.com includes Social Media Features, such as the Facebook and Twitter buttons or interactive mini-programs that run on our site. These Features may collect your IP address, which page you are visiting on our site, and may set a cookie to enable the Feature to function properly. Social Media Features and Widgets are either hosted by a third party or hosted directly on our Site. Your interactions with these Features are governed by the privacy policy of the company providing it.

  9. AMENDMENTS

    10. We may update this Privacy Policy to reflect changes to our information practices. If we make any material changes we will update you by means of a notice on this Site prior to the changes taking effect. We encourage you to periodically review this page for the latest information on our privacy practices and this Privacy Policy.

  10. CONTACT

    11. If you have questions, comments, and/or complaints regarding Zander Identity Theft Solutions’ Privacy Policy or how we collect, transmit, and process data please contact us by:

    PHONE:
    877-795-8472

    E-MAIL
    idtheftprivacy@zanderins.com

    MAIL

    Zander Identity Theft Solutions
    Attn: ID Theft Privacy
    6213 Charlotte Pike
    Nashville, TN 37209

Effective Date: August 1, 2017