Privacy Policy

This Privacy Policy (the “Privacy Policy”) serves to inform you of our policies and procedures regarding the collection, use and disclosure of the information we receive when you access and use the website, including the websites created with our Wheelhouse Solutions (the “Site”), services, software, content, and all other products and services (all of the foregoing collectively, the “Services”) owned, controlled or offered, directly or indirectly, by Talage, Inc. (together with its subsidiaries and affiliates, “Talage”, “we,” “our” or “us”). Talage believes that the privacy of its users is paramount and strives to use Personal Information (as defined below) only in ways outlined in this Privacy Policy. The Privacy Policy is incorporated by reference into our Terms of Service, currently available at https://www.talageins.com/terms-of-service (the “Terms of Service”). Any terms used herein and not defined will have the meanings given to them in the Terms of Service. By using the Services, you hereby warrant and represent that you have read, understand and agree to this Privacy Policy and the Terms of Service, that you are a resident of the United States and that you are over 18 years of age. PLEASE DO NOT USE, INSTALL OR ACCESS THE SERVICES IF YOU DO NOT AGREE TO THIS PRIVACY POLICY.

We also host and process information on behalf of our Wheelhouse Solutions users (“Wheelhouse Users”). This privacy policy only governs our relationship and the collection, use and sharing of information received from Wheelhouse Uses. If you are an end user of a site owned by a Wheelhouse User and want to know how they handle your information, you should review such Wheelhouse User’s privacy policy.

 

1. What We Mean by Personal Information

For purposes of this Privacy Policy, “Personal Information” means any information from or about a person that either identifies that person directly or that makes that person identifiable when it is combined with other information from or about that person from any source.

 

2. Information We Collect

Information You Provide To Us

 

When you use the Services or otherwise communicate with us, we collect information that you provide to us directly. For example, we collect information in the following circumstances: you (i) visit the Site, (ii) register for the Services or create an account or profile or accept the creation of an account or profile on your behalf (an “Account”), (iii) access the Services through social networking sites or third party services, (iv) subscribe to newsletters; (v) browse, request a quote for, or purchase a product or service on the Site; (vi) invite your friends to join the Services, “share” the Services on social networking sites or perform other similar actions; (vii) request technical support; (viii) otherwise use our online Services where Personal Information is required for such use and/or participation, and (ix) when you contact us via the Site or when you otherwise communicate with us. You can choose not to provide information that is requested of you by us; however, this may limit your ability to use or access the Services.

The information you provide to us directly may include, without limitation, the following information that may, alone or in combination with other data, constitute Personal Information:

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• Information you provide in connection with setting up an Account or completing a transaction or purchase using the Services (including requesting a quote for, applying for, servicing or purchasing an insurance policy if you are a user of our Platform (a “Platform User”) and operating and using your website created through our Wheelhouse Solutions if you are a Wheelhouse User), including your name, e-mail, company information, address, phone number and any other information you decide to provide;

• Information you provide via email, through the “Contact” section on the Site or by using the contact details listed on various parts of the Site, including your name, company name, e-mail, phone number, inquiry, and any other information you decide to provide;

• Information you provide in order to subscribe to our newsletters and updates, including your email address, the topic for which you wish to receive updates, or any other information you decide to provide us with. You may always unsubscribe from these emails by following the instructions included;

• If you are one of our customers, suppliers or prospects, we may process limited Personal Information in the course of our business relation with you, for example when you place an order, request a demo or vice versa. Such Personal Information may include your name, company, title, e-mail address, telephone number, address and order details; and

• Any other information you may want to share with us, such as Personal Information related to recruitment / job applications.

 

Moreover, if you contact us, a record of such correspondence may be kept.

Additionally, if another user refers you to us by providing us with your e-mail address, we may send you a message. However, we will use your e-mail address only to send such other user’s message unless you otherwise affirmatively provide your information to us.

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Automatically Collected Information

Most of the data we collect in and through the Site and the Services is technical in nature and is collected and processed automatically through so-called application programming interfaces, software development kits, cookies and similar software-based technologies. Alone or in combination with other data, such automatically collected data may constitute Personal Information. The data we may collect by automated means may include, without limitation:

• Device data: including, but not limited to, data on device advertising ID’s and similar hardware qualifiers, and precise location data.

• Network and internet information: including, but not limited to, URLs and Internet Protocol addresses.

• Information we collect on the use of the Site via cookies: please see the “How We Use Cookies and Other Technologies” section below for more information.

 

Information You Share on Third Party Websites

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The Services may include links to third party websites where you will be able to post comments, stories, reviews or other information. Your use of these third party websites may result in the collection or sharing of information about you by these third party websites. We encourage you to review the privacy policies and settings on the third party websites with which you interact to make sure you understand the information that may be collected, used, and shared by those third party websites.

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How We Use Cookies and Other Technologies

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Some of the features on the Site and the Services require the use of “cookies” – small text files that are stored on your device’s hard drive. We use cookies to measure which pages are being accessed, and which features are most frequently used. This enables us to continuously improve the Site to meet the needs of our visitors.

The following sets out how we may use different categories of cookies and your options for managing cookie settings:

Type of CookiesDescriptionManaging Settings

Required cookiesRequired cookies enable you to navigate the Site and use their features, such as accessing secure areas of the Site and using the Services. If you have chosen to identify yourself to us, we use cookies containing encrypted information to allow us to uniquely identify you. These cookies allow us to uniquely identify you when you are logged into the Site and to process your online transactions and requests.Because required cookies are essential to operate the Site, there is no option to opt out of these cookies.

Performance cookiesThese cookies collect information about how you use our Sites, including which pages you go to most often and if they receive error messages from certain pages. These cookies do not collect information that individually identifies you. Information is only used to improve how the Site function and perform. From time-to-time, we may engage third parties to track and analyze usage and volume statistical information relating to individuals who visit the Site. We may also utilize Flash cookies for these purposes.To learn how to opt out of performance cookies using your browser settings, click here. To learn how to manage privacy and storage settings for Flash cookies, click here.

Functionality cookiesFunctionality cookies allow our Sites to remember information you have entered or choices you make (such as your username, language, or your region) and provide enhanced, more personal features. These cookies also enable you to optimize your use of the Site after logging in. These cookies can also be used to remember changes you have made to text size, fonts and other parts of web pages that you can customize. We may use local shared objects, also known as Flash cookies, to store your preferences or display content based upon what you view on the Site to personalize your visit.To learn how to opt out of functionality cookies using your browser settings, click here. To learn how to manage privacy and storage settings for Flash cookies, click here.

 

We and our service providers may also use “pixel tags,” “web beacons,” “clear GIFs,” or similar means in connection with the Services and HTML-formatted email messages to, among other things, track the actions of users, to determine the success of marketing campaigns and to compile aggregate statistics about Site usage and response rates.

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3. Use of Collected Information

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We use the information you provide to us for the following purposes: (i) to further our legitimate interests in providing the Services, (ii) to administer your use of the Services and any Accounts you may have with us, (iii) to personalize your experience, (iv) to provide to you Service announcements or inform you of new releases and features, (v) to provide you with further information and offers from us or third parties that we believe you may find useful or interesting, such as newsletters, marketing or promotional materials, (vi) to perform tasks on behalf of and according to instructions of a third party, such as insurance agents or insurance companies, (vii) to enforce our Terms of Service, (viii) to resolve any disputes between users of the Site and us, or between end users of the Wheelhouse Solutions and us, (ix) comply with a legal requirement or process, including, but not limited to, civil and criminal subpoenas, court orders or other compulsory disclosures; (x) to further our legitimate interest in protecting our rights, property, or safety and the rights, property and safety of the Services, our users or the public, and (xi) to contact you to obtain feedback from you regarding the Site and the Services.

In addition to the purposes described above, we use the information collected automatically to (i) to further our legitimate interests in monitoring and analyzing the use of the Services and for the technical administration of the Site, (ii) improve the Site and the Services, (iii) generate and derive useful data and information concerning the interests, characteristics and website use behavior of our users, and (iv) verify that users of the Services meet the criteria required to process their requests.

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4. Third Parties We Share Personal Information With

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We may disclose Personal Information you provide to us or that we collect automatically on the Site and in and through the Services with the following categories of third parties:

• Insurance carrier companies and underwriters;

• Service providers, such as web hosting service providers, helping us deliver and develop the Services;

• Public authorities, such as law enforcement, if we are legally required to do so or if we need to protect our rights or the rights of third parties; and

• Our subsidiaries and affiliates; or a subsequent owner, co-owner or operator of the Site and/or the Services and their advisors in connection with a corporate merger, consolidation, restructuring, the sale of substantially all of our stock and/or assets, or in connection with bankruptcy proceedings, or other corporate reorganization, in accordance with this Privacy Policy.

 

5. Links to Other Websites

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We frequently make content or services from other websites available to you from links located on the Site. We may present links in a format that enables us to keep track of whether these links have been followed. This Privacy Policy applies only to the Site and the Services. We do not exercise control over third party services or other websites that provide information. Your interactions with these third party services are governed by the privacy policy of the company providing it. These other sites and services may place their own cookies or other files on your computer’s browser, collect data or solicit Personal Information from you. Other websites and services follow different rules regarding the use or disclosure of the Personal Information that you submit, and the collection and use of such information and access of any third party websites are subject to such third party’s privacy policy. We encourage you to read the privacy policies and other terms of such third parties before using their services.

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6. Security

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We understand the importance of privacy and security of Personal Information to our users and have made them a priority. Talage uses a variety of industry-standard security technologies and procedures to help protect Personal Information about you from unauthorized access, use, or disclosure and trains Talage employees on privacy and security issues. However, we cannot guarantee that unauthorized third parties will never be able to overcome those measures or use your Personal Information for improper purposes, and we do not promise that Personal Information about you or private communications will be protected from unauthorized disclosure or use.

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7. Do Not Track Signals and Similar Mechanisms

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Talage does not track its customers over time and across third party websites to provide targeted advertising and therefore does not respond to Do Not Track (DNT) signals. However, some third party sites do keep track of your browsing activities when they serve you content, which enables them to tailor what they present to you.

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8. Managing Your Privacy

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We keep your data on your behalf and for your benefit. You can correct or terminate your Account by following the instructions on the Services or by e-mail at service@talageins.com, which you may also access for further assistance and questions regarding the Privacy Policy or for a copy of your Account data. If you cancel your Account, Talage will limit its access to Personal Information to perform what is requested by you. We do not delete certain of your Personal Information upon termination or upon your request to delete your Account. Although your terminated status is reflected promptly in our user database, we may be required to retain certain Personal Information in order to comply with applicable state insurance laws. Once it is no longer necessary to retain such Personal Information for compliance reasons, Talage will delete the Personal Information as promptly as possible.

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9. California Residents

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California Civil Code Section 1798.83 requires certain businesses that share customer Personal Information with third parties for the third parties’ direct marketing purposes to respond to requests from California customers asking about the businesses’ practices related to such information-sharing. We currently do not share or disclose your Personal Information to third parties for the third parties’ direct marketing purposes. If we change our practices in the future, we will implement an opt-out policy as required under California laws.

Furthermore, subject to certain exemptions, California residents have the following rights with respect to Personal Information we may have collected about them:

Requests to Know

You have the right to request that we disclose:

• The categories of Personal Information we have collected about you;

• The categories of Personal Information about you we have sold or disclosed for a business purpose;

• The categories of sources from which we have collected Personal Information about you;

• The business or commercial purposes for selling or collecting Personal Information about you;

• The categories of Personal Information sold or shared, if any, about you, as well as the categories of third parties to whom the Personal Information was sold, by category of Personal Information for each party to whom Personal Information was sold; and

• The specific pieces of Personal Information collected.

You may submit a request to know via https://www.talageins.com/request-for-information. The delivery of our response may take place electronically or by mail. We are not required to respond to requests to know more than twice in a 12-month period.

We do not sell, and have not in the prior 12 months sold, Personal Information about California residents. Therefore, we have not included a “Do Not Sell My Personal Info” link on our Site. If our practices change, we will update this Privacy Policy and take any other necessary action to comply with applicable law. We do, however, disclose Personal Information for business purposes as described in the “Third Parties We Share Personal Information With” section above.

Requests to Delete

You have the right to request that we delete any Personal Information about you that we have collected. Upon receiving a verified request to delete Personal Information, we will do so unless otherwise required or authorized by law. You may submit a request to delete Personal Information via https://www.talageins.com/request-to-delete.

Authorized Agents

You may designate an authorized agent to make requests on your behalf. You must provide an authorized agent written permission to submit a request on your behalf, and we may require that you verify your identity directly with us. Alternatively, an authorized agent that has been provided power of attorney pursuant to Probate Code sections 4000-4465 may submit a request on your behalf.

Methods for Submitting Consumer Requests and Our Response to Requests

You may submit a request for access and requests to delete Personal Information about you via:

• Request for Information: https://www.talageins.com/request-for-information, or

• Request to Delete: https://www.talageins.com/request-to-delete, or

• via email at service@talagins.com, or

• 1-833-4-TALAGE (1-833-482-5243)

Upon receipt of a request, we may ask you for additional information to verify your identity. Any additional information you provide will be used only to verify your identity and not for any other purpose.

We will acknowledge the receipt of your request within [10 days] of receipt. Subject to our ability to verify your identity, we will respond to your request within 45 days of receipt. If we require more time (up to 90 days), we will inform you of the reason and extension period in writing. In order to protect your privacy and the security of Personal Information about you, we may need to verify your identity before processing your request. In some cases we may need to collect additional information to verify your identity, such as a government issued ID.

Any disclosures we provide will only cover the 12-month period preceding the verifiable consumer request’s receipt. The response we provide will also explain the reasons we cannot comply with a request, if applicable.

We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.

The Right to Non-Discrimination

You have the right not to be discriminated against for the exercise of your California privacy rights described above. Unless permitted by the CCPA, we will not:

• Deny you goods or services;

• Charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties;

• Provide you a different level or quality of goods or services; or

• Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.

 

10. Nevada Residents

Nevada residents may submit a request directing us to not sell Personal Information we maintain about them. To exercise this right, email us at service@talageins.com with the subject line “Nevada: Request to Opt-Out.”

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11. End Users’ Personal Information

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Our Wheelhouse Users who have created a site using our Wheelhouse Solutions are responsible for what they do with the Personal Information they collect, directly or through Talage or our Wheelhouse Solutions, about their end users. You are solely responsible for legal and regulatory compliance for the collection and use of your end users’ information, including Personal Information you collect about them from us or using the Platform functionality, the Wheelhouse Solutions, cookies or similar technologies. You must publish and ensure compliance with your own privacy policy. We are not liable for your relationship with your end users or how you collect and use personal information about them.

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12. Data Retention

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We keep Personal Information related to your Account for as long as it is needed to fulfill the purposes for which it was collected, to provide our services, to deal with possible legal claims, to comply with our business interests and/or to abide by all applicable laws. Thereafter, we either delete Personal Information about you or de-identify it. Please note that even if you request the deletion of Personal Information about you, we may be required (by law or otherwise) to retain the Personal Information and not delete it. However, once those requirements are removed, we will delete Personal Information about you in accordance with your request.

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13. Changes to the Privacy Policy

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Our security and Privacy Policy are periodically reviewed and enhanced as necessary. This Privacy Policy might change as we update and expand the Services. You can tell when this Privacy Policy was last updated by reviewing the Last Updated-legend on top of this page. We will endeavor to notify you of these changes by email, but will not be liable for any failure to do so. We also encourage you to review this Privacy Policy periodically. If you do not understand any of the terms or conditions of any of our policies, you may inquire regarding the same via email at email@talageins.com Your continued use of the Services after any change in this Privacy Policy will constitute your acceptance of such change.

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14. Contacting Us

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If you have any concerns or questions about this Privacy Policy, please contact us at service@talageins.com.