OUR PRIVACY COMMITMENT
WEB ANALYSIS TOOLS
We may use web analysis tools to measure and collect anonymous session information. We use this information to monitor and analyze in a depersonalized form how users use the Online Services, to provide customers with the Online Services, and to maintain and improve the Online Services. We may also collect similar information from emails we may send to you which then help us track which emails are opened and which links are clicked by recipients. The information allows for more accurate reporting and improvement of the Online Services.
The personal data collected when you visit the Online Services include:
- Information about your browser, network, and device
- Web pages you visited prior to coming to this website
- Search engine used to locate the Online Services
- Web pages you view while on this website and how long you use them
- Your IP address
COLLECTION OF PERSONAL INFORMATION
We collect certain personal information in connection with the issuance of an Insurance Policy, including your mailing address, phone number, date of birth, social security number, driver’s license or state identification number, financial information, medical history, existing life insurance coverage, information about your employment, and other information that may be required by insurance companies to decide whether to issue an Insurance Policy to you. When purchasing an Insurance Policy through the Online Services, you will also be required to provide a credit card number and billing address, or other payment information. We also collect personal information when you receive customer or technical support.
USE OF PERSONAL INFORMATION
We use your personal information to provide the Online Services to you, deliver products and services you request, complete transactions, handle your questions or issues, and send communications to you about promotions, updates, or special offers that may be of interest to you. Other uses include verifying your identity, preventing fraud, evaluating your eligibility to obtain an Insurance Policy, providing you with an Insurance Policy by a licensed carrier, and alerting you of new products, features, or enhancements to the Online Services. We may also use your email address to send you messages about the Online Services, as well as other general announcements.
By submitting personal information through the Online Services, you authorize Pendella to share this personal information for the purposes identified herein, and you grant us a royalty-free, worldwide, perpetual, irrevocable, and fully transferable right and license to use your personal information in connection with the creation and development of analytical and statistical analysis tools (the “Analytical Data”). We are expressly authorized to make any commercial use of the Analytical Data, including without limitation sharing the Analytical Data with third parties, provided that we do not sell, trade, or otherwise transfer from us any part of the Analytical Data that personally identifies any Users.
We will also share the personal information we collect from you under the following circumstances:
Feedback. You may choose to, or Pendella may invite you to, submit comments, bug reports, ideas or other feedback about the Online Services (“Feedback”). By submitting Feedback, you agree that Pendella is free to use such Feedback at its discretion without any obligation to you. Pendella may also choose to disclose Feedback to third parties. You hereby grant Pendella a royalty-free, perpetual, irrevocable, transferable, sublicensable, worldwide, nonexclusive license under all rights necessary to incorporate and use your Feedback for any purpose.
Referral Providers. If you were referred to us, or submitted a request for information or an application for insurance through another company, an insurance agent, or other business partner, we will share your information with that company as necessary to honor the terms of our agreement with that company, and to provide you the insurance products and services you requested.
Referral Online Services. If you submitted a request for information or an application for insurance through the use of our Online Services or through an agent, and we were unable to offer you insurance directly, we may share your information with other insurance companies, agents, or business partners who may be able to provide you with the insurance you need. In those circumstances we may be paid for sending your information to the Referral Online Services.
Asset Transfers. If we become involved in a merger, acquisition, or other transaction involving the sale of some or all of Pendella's assets, User information may be included in the transferred assets. Should such an event occur, we will use reasonable means to notify you through email and/or a prominent notice on the Site.
If you make a purchase through the Online Services, we may use a third-party payment processor such as Stripe or Paypal. Payments are encrypted through the Payment Card Industry Data Security Standard (PCI-DSS). Your purchase transaction data is stored only as long as is necessary to complete your purchase transaction.
All direct payment gateways adhere to the standards set by PCI-DSS as managed by the PCI Security Standards Council, which is a joint effort of brands like Visa, MasterCard, American Express, and Discover.
Although no method of transmission over the Internet or electronic storage is 100% secure, we follow all PCI-DSS requirements and implement additional generally accepted industry standards.
THIRD PARTY SERVICES’ PRIVACY POLICIES
Certain providers may be located in a different jurisdiction, or have facilities that are located in a different jurisdiction, than either you or us. If you elect to proceed with a transaction that involves the services of a third-party service provider, then your information may become subject to the laws of the jurisdiction(s) in which that service provider or its facilities are located. As an example, if you are located in Canada and your transaction is processed by a payment gateway located in the United States, then your personal information used in completing that transaction may be subject to disclosure under United States legislation, including the Patriot Act.
LEGAL DISCLOSURE OF YOUR INFORMATION
We may disclose your personal information if we are required by law to do so or if you violate our Terms of Service.
ELECTRONIC COMMUNICATION; SIGNATURES
You may withdraw your consent to receive communications by following the “unsubscribe” link at the bottom of our emails. You may withdraw your consent to use an electronic signature at any time by contacting us. If you withdraw your consent, you will be unable to apply for products and services through the Online Services, and we will be unable to continue to process any pending applications for products and services.
HOW IS YOUR PERSONAL INFORMATION SAFEGUARDED?
The personal information that you provide to us is stored on servers which are located in secure facilities with restricted access and protected by protocols and procedures designed to ensure the security of such information. We restrict access to only those Pendella employees, independent contractors, and agents who need to know this information in order to develop, operate, and maintain the Online Services. All Pendella personnel who have access to this information are trained in the maintenance and security of such information. However, no server, computer, or communications network or system, or data transmission over the Internet, can be guaranteed to be 100% secure. As a result, while we strive to protect User information, we cannot ensure or warrant the security of any information you transmit to us or through the use of the Online Services and you acknowledge and agree that you provide such information and engage in such transmissions at your own risk.
In the event that personal information you provide to us is compromised as a result of a breach of security, when appropriate we will take reasonable steps to investigate the situation, notify you, and take the necessary steps to comply with any applicable laws and regulations.
RESIDENTS OF CALIFORNIA
We may collect customer information from persons other than the individual or individuals applying for coverage. Such customer information, as well as other personal or privileged information subsequently collected, may in certain circumstances be disclosed to third parties without your authorization as permitted by law. If you would like additional information about the collection and disclosure of customer information, please contact us at [email protected].