|Acceptance of this Policy: By using
any services of CTSecurepay, you signify your acceptance of our Privacy
Policy. If you do not agree to this policy, please do not use our Site.
We reserve the right, at our discretion, to change, modify, add, or remove
portions from this policy at any time so visitors are encouraged to review
this policy from time to time. Your continued use of our Site following
the posting of changes to these terms means you accept these changes.
If you would like to opt not to receive
promotional or marketing material from us in the future, please send an
e-mail to firstname.lastname@example.org. However, your option not to receive promotional
and marketing material: (a) shall not preclude us from corresponding with
you, by e-mail or otherwise, regarding your existing or past relationship
with us (e.g., your pending or past applications or our responses to questions
or inquiries you pose to us), and (b) shall not preclude us, including
our employees, contractors, agents and other representatives, from accessing
and viewing your personal information in the course of maintaining and
improving the Site. This Site may contain links or references to other
Web sites outside of our control. Please be aware that we have no control
The internet is full of stories about loss
of identity and privacy. We are committed to protecting the privacy
of our customers We do not sell, give out or release any of
your information withoutyour permission. It's that simple.We ensure that
the information you company sends to us remains private, and is used only
for internal company purposes.
Online Order Security: When you
place an order or quote online using our online payment and transaction
system, your personal details and credit card information are scrambled
using the strongest 256 Bit SSL encryption technology available before
being sent over the Internet. Although no company can absolutely guarantee
encryption or the privacy of your personal details and credit card information,
SSL makes it very difficult for your information to be stolen or intercepted
while being transferred.
Cookies: Cookies are small files
that your Web browser places on your computer's hard drive. We do not currently
Children: There is nothing
on this website that should offend those with children. We do not
except X rated ads and do not collect information about children or their
Privacy Changes: If we decide
to change our privacy commitment, we will show the changes on this page.
Thank you for using CTSecurepay.com
for the CTSecurepay site and its afflite companies (the "Site"). This Privacy
Policy sets forth our policies regarding the collection, use and disclosure
of certain information relating to your use of the Site. Your use of this
Site signifies your understanding and acceptance of the terms of this Privacy
and part of, the Terms & Conditions , which govern your use of the
Site in general.
Age Requirement for Use of Site: This Site
is not intended for use by persons under the age of 18 years old. You must
be 18 years old or older to provide any personal information to the Site,
or to us through the Site. Domicile Requirement for Use of the Site: You
represent and warrant that you are domiciled in the United States.
Personally Identifiable Information
The Site may request and collect certain
personally identifiable information including, but not limited to, Application
Data and other personal information contained in User Submissions, through
various means such as online forms, online applications, e-mail and comments
submitted to the Site. Such information collected through the Site may
include financial information, health-related information, and other sensitive
Why so much personal information?
Banks, lenders and Insurance companies
establish their rates using a variety of criteria. Since we deal with many
types of companies, we must ask you questions required by all of them to
determine the most competitive match for you.
In some cases, where permitted by law,
insurance companies may need to obtain additional background information
about you, such as credit reports, driving records, or claims history verification,
and may need your social security number or drivers license number to obtain
these reports. Should you decline to provide information requested on the
application form, you may eliminate some of the most competitive quotations.
We may collect your IP (Internet Protocol)
address to help diagnose problems with our server, administer our Site
and identify our users. We may also use such technologies to remember user
preferences or minimize the need for you to re-enter information.
Usage and Sharing:
We use information collected on and through
this Site for a variety of purposes in the course of business and as otherwise
set forth herein. For example, such information may be used to process
your applications to receive loans or quotations or to send you information
about our and our affiliates' products and services and other information
and materials that may be of interest to you. This information may also
be used to evaluate what portions of the Site are more popular than others,
determine where visitors came from, where they go, and how long they stay
on a particular page, or the Site in general. We may match information
collected from you through different means or at different times, and use
such information along with information obtained from other sources, including
Application Data may be forwarded depending
on content to banks, insurance agents, brokers and/or companies who may
contact you with a quote by email, telephone, postal mail or other forms
of communication. We are not responsible, and shall not be liable, if an
agent, broker, discount program representative or company to whom we forward
policy, if any.
We may transfer, sell or assign personal
information to third parties as a result of a sale of all or substantially
all of our assets relating to this portion of our business or in connection
with a merger, consolidation, change in control, reorganization or liquidation.
We also reserve the right to disclose any information concerning you if
required by law or to protect or defend our rights or the rights or well-being
of our users or if you are involved (or are reasonably suspected to be
involved) in any illegal activity, even without a subpoena, warrant or
The application form on the Site supports
encryption to help protect the security of your transfer of data to the
Site. Although we will take all reasonable security precautions regarding
information stored on the Site, due to the open nature of the Internet,
we cannot guarantee that any information stored on our servers, or transmitted
to or from a user, will be free from unauthorized access, and we disclaim
any liability for any theft or loss of, unauthorized access or damage to,
or interception of any data or communications. By using the Site, you acknowledge
that you understand and agree to assume these risks.
Consent to Processing:
By providing any personal information to
this Site, you fully understand and unambiguously consent to the transfer
of such personal information to, and the collection and processing of such
personal information in, the United States and other countries or territories.
By submitting this information you are
authorizing Brokers, Agents, discount program representatives and/or Insurance
Professionals in the CTSecurepay network to contact you directly with quotes
via telephone, fax, and email, regardless of the presence of your phone
number(s) on any local or national no-call list.