Privacy Policy
Our Commitment To Privacy
Your privacy is very important to us. Part of our operation of this Web
site involves the collection and use of information about you. This privacy
policy explains what type of information we collect and what we do with
that information to allow you to make choices about the way your information
is collected and used. This privacy policy may change from time to time,
so please check it often.
What Information We Collect?
In general, you can visit this Web site without identifying who you are
or revealing any information about yourself. Information collected online
can generally be categorized as anonymous or personally identifiable. Anonymous
information is information that cannot be connected to the identity of
a specific individual. Personally identifiable information is information
that specifically identifies a particular user, such as name, address,
or phone number. An example of anonymous information is the fact that,
while this Web site may record the number of visits to a particular page
that occur in a given period of time, it does not necessarily tell us the
names or other identifying information of every visitor. Many users of
this Web site will choose not to provide any personally identifiable information;
therefore, those individuals are anonymous to us, and any data collected
about their use of this Web site is anonymous information.
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 Submission, 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 information.
Insurance companies establish their rates using a variety of criteria. Since we deal with hundreds of companies, we must ask you questions required by all of them to determine the most competitive match for you.
Automatic Anonymous Information
When you visit our site, we collect certain technical and routing information
about your computer. For example, we log environmental variables such as
browser type, operating system and CPU speed, and the Internet Protocol
(IP) address of your originating Internet Service Provider, to try to bring
you the best possible service. We also record search requests and results
to try to ensure the accuracy and efficiency of our search engine. We use
your IP address to track your use of the site, including pages visited
and the time spent on each page. We collect this information and use it
to measure the use of this Web site and to improve its content and performance.
All of the information that is automatically submitted to us by your browser
is considered anonymous information. To the extent we share such information
with third parties, it is not traceable to any particular user and will
not be used to contact you.
Notice Of Consumer Report Practices
Important: All proposed named insureds listed on this application must
be made aware of the following:
In some cases, insurance companies may need to obtain additional background information about you. As an example, Consumer reports may be ordered in connection with your insurance application. These reports provide information that may assist in determining your eligibility for insurance and the price you may be charged. Consumer reports may also be used for updates, renewals or extensions of this insurance. The insurance company may also obtain and use a credit-based insurance score base on information contained in your credit report. The insurance company may use a third party in connection with the development of the insurance score.
Cookies
This site uses cookies. Cookies are small data files, typically made up
of a string of text and numbers, which assign you a unique identifier.
This information enables your computer to have a dialogue with our site
and permits us to administer our site more efficiently and to provide a
more tailored and user-friendly service to you. You may set your browser
to notify you when you receive a cookie or to prevent cookies from beings
sent; if so, this may limit the functionality we can provide you when you
visit our site. Third parties that link on this site may use cookies or
collect other information when you go to their site. We do not control
the collection or use of your information by these companies. You should
contact these companies directly if you have any questions about their
collection or use of information about you.
How Do We Use Information We Collect?
We collect personally identifiable information only for providing the
services you request, generating statistical studies, conducting marketing
research, improving products and services, sending you surveys, and notifying
you of new products and any other changes to our site or services that
may affect you. When you submit personally identifiable information to
us, you understand that you are agreeing to allow us to access, store,
and use that information for those purposes. We may be required by law
enforcement or judicial authorities to provide personally identifiable
information to the appropriate governmental authorities. If requested by
law enforcement or judicial authorities, we will provide this information
on receipt of the appropriate documentation. We may also release information
to law enforcement agencies or other third parties if we feel it is necessary
to protect the safety and welfare of our personnel or to enforce our terms
of use.
Opt-Out Policy
If at any time you do not wish to receive offers and e-mails from us,
we ask that you tell us. You may remove your name from our mailing list
by sending us an e-mail addressed to
contact@lead.co
and indicating in the subject line No Offers or E-mail.
Security
We operate secure data networks protected by industry standard firewall
and password protection systems. Our security and privacy policies are
periodically reviewed and enhanced as necessary, and only authorized individuals
have access to the personally identifiable information provided by our
users. We do not, however, guarantee that unauthorized, inadvertent disclosure
will never occur.
Transfer of Customer Information
Customer lists and information are properly considered assets of a business.
Accordingly, if we merge with another entity or if we sell our assets to
another entity, our customer lists and information, including personally
identifiable information you have provided us, would be included among
the assets that would be transferred.
Class Action Waiver
You hereby agree to refrain from and waive all rights to participate in
a class action, a class-wide arbitration, claims brought in a representative
capacity, or consolidated claims involving another person’s User Data.
Upon the date of submission of your User Data, you shall have thirty (30)
days to opt-out of this arbitration agreement. After thirty (30) days these
terms of this Section hereby become final and binding.
Agreement to Arbitrate
You and we each agree that any and all disputes or claims that relate
to or arise from your use of or access to our Services, or any products
or services sold, offered, or purchased through our Services shall be resolved
exclusively through final and binding arbitration, rather than in court,
except that you may assert claims in small claims court, if your claims
qualify. The Federal Arbitration Act governs the interpretation and enforcement
of this Agreement to Arbitrate section (this “Agreement to Arbitrate”).
Prohibition of Class and Representative Actions and Non-Individualized Relief
You and we agree that each of us may bring claims against the other only on an individual basis and not as a plaintiff or class member in any purported class or representative action or proceeding, including but not limited to actions under the Telephone Consumer Protection Act, 47 U.S.C. § 227 et seq. Unless both you and us agree otherwise, the arbitrator may not consolidate or join more than one person’s or party’s claims, and may not otherwise preside over any form if a consolidated, representative, or class proceeding. The arbitrator may award relief, including monetary, injunctive, and declaratory relief, only in favor of the individual party seeking relief and only to the extent necessary to provide relief necessitated by that party’s individual claim(s). Any relief awarded cannot affect our other users.
Arbitration Procedures
The arbitrator, and not any federal, state, or local court or agency, shall have exclusive authority to resolve any dispute arising out of or relating to the interpretation, applicability, enforceability or formation of this Agreement to Arbitrate, any part of it, or of this Agreement including, but not limited to, any claim that all or any part of the Agreement to Arbitrate or this Agreement is void or voidable.
The arbitration will be conducted by the American Arbitration Association (“AAA”) under its rules and procedures, including the AAA’s Supplementary Procedures for Consumer-Related Disputes (as applicable), as modified by this Agreement to Arbitrate. The AAA’s rules and a form for initiating arbitration proceedings is available on the AAA’s site at www.adr.org .
The arbitration shall be held in the county in which you reside or at another mutually agreed location. If the value of the relief sought is $10,000 or less, you or we may elect to have the arbitration conducted by telephone or based solely on written submissions, which election shall be binding on you and us subject to the arbitrator’s discretion to require an in-person hearing, if the circumstances warrant. Attendance at an in-person hearing may be made by telephone by you and/or us, unless the arbitrator requires otherwise.
The arbitrator will decide the substance of all claims in accordance with the laws of the State of Delaware, including recognized principles of equity, and will honor all claims of privilege recognized by law. The arbitrator shall not be bound by rulings in prior arbitrations involving our other users, but is bound by rulings in prior arbitrations involving the same user to the extent required by applicable law. The arbitrator’s award shall be final and binding and judgment on the award rendered by the arbitrator may be entered in any court having jurisdiction thereof.
This arbitration provision shall survive termination of this Agreement to Arbitrate and the closing of your Account or your use of or access to our Services, or any products or services sold, offered, or purchased through our Services.
Costs of Arbitration
Payment of all filing, administration and arbitrator fees will be governed by the AAA’s rules, unless otherwise stated in this Agreement to Arbitrate. If the value of the relief sought is $10,000 or less, at your request, we will pay all filing, administration, and arbitrator fees associated with the arbitration. Any request for payment of fees by us should be submitted by mail to the AAA along with your Demand for Arbitration and we will make arrangements to pay all necessary fees directly to the AAA. If the value of the relief sought is more than $10,000 and you are able to demonstrate that the costs of arbitration will be prohibitive as compared to the costs of litigation, we will pay as much of the filing, administration, and arbitrator fees as the arbitrator deems necessary to prevent the arbitration from being cost-prohibitive. In the event the arbitrator determines the claim(s) you assert in the arbitration to be frivolous, you agree to reimburse us for all fees associated with the arbitration paid by us on your behalf, which you otherwise would be obligated to pay under the AAA’s rules.
Your Acceptance of this Policy
Contacting Us
The Lead Company
www.lead.co
6757 Cascade Rd SE #205
Grand Rapids, MI 49546
United States
contact@lead.co
(888) 9-LEADCO