Qwiksilver Insurance Services - Qwiksilver Insurance Privacy Policy

We recognize that privacy is an important issue, so we design and operate our services with the protection of your privacy in mind. This Privacy Policy outlines the types of personal information we gather when you use our services, how it is used, as well as some of the steps we take to safeguard it.

Personally Identifiable Information

Application Information
This is information we receive from you on quotes, applications or other forms, by phone, and online. It may include your name, address, and telephone number, e-mail addresses, drivers license number, social security number, date of birth, length of employment, gender, marital status, prior insurance information, home ownership, length of residency, vehicle descriptions, miles driven and vehicle use, other drivers, and driving history.
Transaction Information
This is information about your transactions with us, our carriers, or others. It includes your insurance coverage selections and premiums, payment and claims history, and information necessary for billing and payment.
Consumer Report and State Information
This is information we receive from a consumer reporting or State Agency, and is used to confirm or supplement Application Information. It may include motor vehicle reports and claims history reports. We will disclose Consumer Report and State Information only as necessary to quote or service your insurance policy and as permitted or required by law. We only share information as necessary to transact insurance with our insurance carriers.

Disclosure of Information

We only disclose your personal information as necessary to effect, administer, or enforce your transaction with us, or in conjunction with servicing your insurance policy through insurance carriers or their representatives. Parties we share with may include our group of insurance underwriting companies, claim representatives, third party application affiliates, courts and government agencies.

Security

The security of your personal information is important to us. For the administration of insurance applications, when we electronically enter and transmit personal information, via the internet, to our insurance carriers and third party application affiliates, for your security, they encrypt that information using secure socket layer technology (SSL).

We maintain physical, electronic and procedural safeguards to protect your personal information submitted to us and in our control. For the administration of insurance applications, we may transfer your personal information, either physically or electronically as required, to the insurance carrier or third party application affiliates, however we are not to be held accountable for the privacy practices, which are out of our control, from these other parties.

We follow generally accepted industry standards to protect the personal information submitted to us. However, no method of transmission over the Internet, or method of electronic storage, is 100% secure. Therefore, while we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security. By using the site, you acknowledge that you understand and agree to assume these risks.

Collection of Information

Cookies

A "cookie" is a small file containing a string of characters that is sent to your computer when you visit a website. Qwiksilver Insurance services/Qwiksilverinsurance.com uses cookies to improve the quality of our service and to provide content based on certain criteria. Additionally we track usage statistics to better understand how people interact with the site. Upon loading Qwiksilverinsurance.com a session cookie is sent to your computer that uniquely identifies your browser to our servers. This technology does not collect personal identifiable information; the information collected is in an aggregate, non-identifiable form. With the information we can learn through this technology, we hope to improve our sites. We do not link the information we store in cookies to any personally identifiable information.

Links to Third Party Sites

Our site may contain links to other sites that we deem potentially useful to our users, however, we are not responsible for the privacy practices of these other sites. Also, if you choose to link to another site via Qwiksilverinsurance.com, you do so at your own risk as Qwiksilver Insurance Services cannot be held liable should the outcome of any type of loss or harm occur. Please read Terms of Use.

Minors

Our site and services are not directed toward individuals under 16 years old ("Minors") nor do we knowingly collect information from Minors.

Opt Out/Contact Information

If you do not wish to receive e-mail, phone call and or mailing from us in the future, you may tell us so. This is known as "opting out". You may opt-out at any time. Should you have any questions or concerns regarding this privacy statement or wish to opt-out, please contact us via regular mail at:

Qwiksilver Insurance Services - 30021 Tomas #300, Rancho Santa Margarita, CA. 92688

Please incluse your Name, Address, Phone Number and Policy Number.

Changes in this Privacy Statement

As a visitor and/or valued customer, we respect your privacy concerns. We reserve the right to modify this statement at anytime. For our clients, we will provide you with an annual notice. If we decide to change our privacy policy, we will notify our clients promptly and also post those changes to this privacy statement on our "Contact Us" page under the sub-heading Privacy Policy.

Last updated 2/26/2007