Cards, Coins & Collectibles Privacy Policy

Effective May 5, 2015

At Cards, Coins & Collectibles Insurance Services, LLC (henceforward Cards, Coins & Collectibles, We, Us), We are committed to protecting Your privacy and earning Your trust. This Privacy Policy covers the web site: www.cardscoinsandcollectibles.com. We want to let You know what kind of personal information We have about You, and how We use and share it. It also describes the choices available to You regarding our use of Your personal information and how You can access and update this information. As an insurance producer, Cards, Coins & Collectibles is regulated by Federal and State laws that protect Your information and our use and disclosure of it. This Privacy Policy is incorporated into and is subject to the Terms of Use (the “Terms”), and capitalized terms used, but not defined in this policy, have the meanings given to them elsewhere in the Terms. If You have questions or complaints regarding our Privacy Policy or practices, please contact Us at collectibles@cardscoinsandcollectibles.com.

WHAT INFORMATION DO WE COLLECT AND HOW DO WE GET IT?

Cards, Coins & Collectibles collects a variety of information that will aid Us in quoting and servicing Your insurance policy and providing the Service to You. This information includes “nonpublic personal information”, which is all information that identifies You and is not available to the public.
We collect this information through Your application information, Your communications with Us, Your transactions, and Your use of the Service.

Here are some examples of the information We get:

Application and Communications: Through the App and the Service We gather information such as Your name, address, residential information, phone number, date of birth, and former insurance information, as well as other information that You may provide through other communication features of the Service.
Transactions: Through Your transactions with Us We gather information such as insurance coverage, payments and claims history, and payment instrument information.
Website Usage: Like most online services, when You use the Service, We may automatically collect certain information about Your visit such as the website and/or search criteria that led You to our Service, Your Internet Protocol address (“IP Address”), Your mobile device identifier (such as Your UDID or equivalent), or other device address or ID, device type, operating system, browser information, and what pages You visit on the Service, the web pages or sites that You visit just before or just after the Service. We do not link this automatically-collected data to personally identifiable information.
“Cookies”: When You use the Service, We may send one or more cookies– small text files containing a string of alphanumeric characters– to Your computer. Cards, Coins & Collectibles may use both session cookies and persistent cookies. A session cookie disappears after You close Your browser. A persistent cookie remains after You close Your browser and may be used by Your browser on subsequent visits to the Service. Persistent cookies can be removed. Please review Your web browser “Help” file to learn the proper way to modify Your cookie settings. Please note that if You delete, or choose not to accept, cookies from the Service, You may not be able to utilize the features of the Service to their fullest potential.
The use of tracking technologies by our service providers, technology partners or other 3rd party assets on the site is not covered by our Privacy Policy. These 3rd parties may use cookies, clear gifs, images, and scripts to help them better manage their content on our site. We do not have access or control over these technologies. We do not tie the information gathered to our customers’ or Users’ personally identifiable information.
If We offer and You choose to use a referral service to tell a friend about our site, We will ask You for Your friend’s name and email address. We will automatically send Your friend a one-time invitation email to visit the site, and a one-time reminder. Cards, Coins & Collectibles will store this information for the sole purpose of sending the invitation and reminder emails, and for tracking the success of our referral program. Your friend may contact Us at collectibles@cardscoinsandcollectibles.com to request that We remove this information from our database.

THE WAYS Cards, Coins & Collectibles USES INFORMATION

Cards, Coins & Collectibles uses the information You provide or that We collect to develop, operate, maintain, enhance, and provide all of the features and services found on the Service now and in the future, and to service Your account with Us, including the following:

We will use Your email address to contact You for administrative purposes, for customer service purposes, or regarding Your use of the Service.
We use the information that You provide or that We collect to understand and analyze the usage trends and preferences of our users, to improve the way the Service works and looks, and to create new features and functionality.
We may use “automatically collected” information and “cookies” information to: (a) personalize our services, such as remembering Your information so that You will not have to re-enter it during Your visit or the next time You use the Service; (b) provide customized third party advertisements, content, and information; (c) monitor and analyze the effectiveness of the Service and third party marketing activities; (d) monitor aggregate site usage metrics such as total number of visitors and pages viewed.

THE WAYS Cards, Coins & Collectibles DISCLOSES INFORMATION

Cards, Coins & Collectibles is not in the business of selling Your information. There are however some circumstances in which We disclose Your information to third parties in connection with developing, providing, and maintaining the Service and operating our business, but only as permitted by law. Such disclosures include:

We may disclose Your information to insurance companies, claims representatives, consumer reporting agencies, insurance agents, law enforcement agencies, courts and government agencies. These parties may disclose information to other parties as permitted by law. For example: a consumer reporting agency may disclose transaction information received from Us to other insurance companies with which You do business.
Cards, Coins & Collectibles works with third party service providers in the U.S. and other jurisdictions to provide website development, hosting, maintenance, transcription, and support as well as other business services for Us. To the extent it is necessary for these service providers to complete their work, these third parties may have access to or process Your personally identifiable information. These disclosures are generally made under terms comparable to this policy, and the recipients are limited to using the information the purpose for which it was provided.
Cards, Coins & Collectibles may disclose automatically collected and other aggregate non-personally-identifiable information with interested third parties, to assist such parties in understanding the usage, viewing, and demographic patterns for certain programs, content, services, advertisements, promotions, and/or functionality on the Service.
Cards, Coins & Collectibles may also disclose Your information if required to do so by law or where Cards, Coins & Collectibles determines that such action is necessary or useful to comply with applicable laws, to respond to a court order, judicial or other government subpoena or warrant, or to otherwise support or cooperate with judicial or law enforcement activity.
Cards, Coins & Collectibles works to promote a safe and reliable service for all users. We reserve the right to disclose Your information that We believe is reasonable, appropriate, or necessary to take precautions against liability; to protect Cards, Coins & Collectibles and others from fraudulent, abusive, predatory, or unlawful uses or activity; to investigate and defend ourselves against any third party claims or allegations; to assist government enforcement agencies; to protect the security or integrity of the Service; or to protect or vindicate the rights, property, or personal safety of Cards, Coins & Collectibles, our users, or others.
Cards, Coins & Collectibles may share nonpublic personal information that You provide to Us with third party companies with whom Cards, Coins & Collectibles has business relationships for marketing purposes.

IN THE EVENT OF MERGER OR SALE

In the event that all or a portion of Cards, Coins & Collectibles or its assets are acquired by or merged with a third party entity, We reserve the right, in any of these circumstances, to transfer or assign the information that We have collected from users, including personal information and user data in connection with such merger, acquisition, sale, or other change of control. You will be notified via email and/or a prominent notice on our web site of any change in ownership or uses of Your personal information, as well as any choices You may have regarding Your personal information.

HOW IS YOUR INFORMATION PROTECTED?

Cards, Coins & Collectibles is committed to protecting Your information from unauthorized access and disclosure. We have certain physical, electronic, and procedural safeguards in place that are designed to help protect the security and integrity of Your information. When You enter sensitive information on our online forms, We encrypt the transmission of that information using secure socket layer technology (SSL). Nevertheless, no physical, procedural, or technical system is 100% secure or immune from design flaws, outages, losses, attacks, or from human error. Therefore, We cannot ensure or warrant that information You transmit to Cards, Coins & Collectibles will not be lost or compromised. To reduce the risk that Your account may be compromised, We recommend, as applicable, the use of passwords greater than eight characters, and that include letters, numbers, and special characters, and that You regularly change Your password to one that You have not used within the last year. If You have any questions about security on our web site, You can contact Us at collectibles@cardscoinsandcollectibles.com.

COMMUNICATIONS WITH Coins, Cards & Collectibles

As a Cards, Coins & Collectibles policyholder, We will contact You regarding Your policy, such as billing notices and confirmations of changes, through email. We will also use Your email to provide You with updates about our products and services. We may also contact You by phone regarding timely matters such as late payment or other factors that might affect Your policy.

REVIEWING/CORRECTING YOUR INFORMATION

As a consumer, You have the right to review the information We have about You and update or change Your information if needed. Support is provided for consumers to request any needed updates to their data either via email collectibles@cardscoinsandcollectibles.com or by sending Us postal mail at the address given below.

We will retain Your information for as long as Your account is active or as needed to provide You services. We will retain and use Your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.
We can provide consumers with the names of all entities that Cards, Coins & Collectibles has disclosed certain of Your personal information to within two years, in accordance with applicable law.

In addition, every policyholder may, now or in the future, be provided an account secured by a username and password on our website that contains a summary of the information We have about You. Any needed updates can be emailed to collectibles@cardscoinsandcollectibles.com or policyholders may call the customer service phone number listed in their online account.

ONLINE ADVERTISING

We may partner with one or more third party ad networks to manage our advertising on other sites. Our ad network partners may uses cookies and web beacons to collect non-personally identifiable information about Your activities on this and other web sites to provide You targeted advertising based upon Your interests. If You wish to not have this information used for the purpose of serving You targeted ads, You may opt-out by contacting Us at collectibles@cardscoinsandcollectibles.com. Please note this does not opt You out of being served advertising. You will continue to receive generic ads.

LINKS TO 3RD PARTIES

Our Site includes links to other web sites whose privacy practices may differ from those of Cards, Coins & Collectibles. If You submit personal information to any of those sites, Your information is governed by their privacy policies. We encourage You to carefully read the privacy policy of any web site You visit.
Our web site may, now or in the future, include social media features, such as the Facebook Like button and widgets, such as the Share this button or other 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.

CHANGES AND UPDATES TO THIS PRIVACY POLICY

Please revisit this page periodically to stay aware of any changes to this Privacy Policy, which may be revised from time to time at Cards, Coins & Collectibles’s sole discretion, as provided in the Terms. If We modify the Privacy Policy, We will make it available through the Service, and indicate the date of the latest revision. In the event that the modifications materially alter either of our rights or obligations hereunder We will make reasonable efforts to notify You of the change. For example, We may send a message to Your email address, if We have one on file, or generate a pop-up or similar notification when You access the Service for the first time after such material changes are made. Our amended Privacy Policy will automatically take effect 30 days after it is made available through the Service, except that (i) We will not, without Your consent, use Your previously collected personal information in a manner inconsistent Privacy Policy in effect when We received that information, and (ii) if You do not agree with any changes to the Privacy Policy, You may terminate Your account by contacting customer service. Your continued use of the Service after revised Privacy Policy has become effective indicates that You have read, understood and agreed to the current version of the Privacy Policy.

CONTACT INFORMATION

For any questions about our Privacy Policy, please contact Us at: collectibles@cardscoinsandcollectibles.com, call Customer Service at 855-477-6687, or send mail to:

Cards, Coins & Collectibles Insurance Services, LLC
8605 Santa Monica Blvd #80033
Los Angeles, CA 90069-4109