Effective date: December 6, 2021
We at 2-10 Insurance Services and our parents, affiliates, and subsidiaries (collectively referred to as “2-10 IS,” “IS,” “we,” “us,” or “our”) respect the privacy of our users and customers (each referred to as a “user,” “your,” or “you”). To demonstrate our www.2-10.com/insurance-services whether accessed via computer, mobile device, or otherwise, and all related web pages (collectively the “Site”), as well as any services we offer (“Services”).
This Privacy Notice describes the personal information that we collect from you, or that you provide on this Site or through use of our Services, and how that information may be used or disclosed by us.
Our Site and Services are controlled, operated, and administered by 2-10 IS from its offices within the United States. We provide the Site for informational purposes regarding our Services, and there is not a guarantee that products or services may be available in your area. If you are accessing our Site from a location outside of the United States, you acknowledge and consent to the collection, storage, processing, and transfer of your personal information to our facilities in the United States and to those third parties with whom we share such information as described in this Privacy Notice. You may request additional product information through our Site by submitting a request by email to [email protected].
In addition to this Privacy Notice, you may receive and be covered by our Consumer Privacy Notice, as well as any other privacy disclosures that we provide to you with account-opening documents.
What Kinds of Information Do We Collect About You?
We collect information as part of our business operations, to provide Services, to respond to requests and offer customer support, and to fulfill legal and contractual obligations. Through your use of the Site or Services, we may collect information that identifies you as an individual or relates to you as an individual (“Personal Information”). You voluntarily provide Personal Information directly to us, such as when you complete applications, service contracts, warranty contracts, or other forms. We also collect Personal Information as you navigate through the Site and from third parties.
Information You Provide
We may collect the following Personal Information that you voluntarily provide to us:
Information that you provide by filling in forms on our Site. This includes information provided at the time of submitting applications for insurance coverage, service contracts, renewals, enrollments, filing claims, or payments associated with any of these activities. For example, we may ask you to provide your first and last name, telephone number, e-mail address, password, physical address, Social Security Number, and other information when registering for an account.
Information you provide when you report a problem with our Site or request information about our products and Services.
Details of transactions you carry out through our Site, including your credit card, debit card, or bank account information required to complete the transaction.
Records and copies of your correspondence (including home addresses, e-mail addresses, and telephone numbers).
If you choose to interact with our Site by sharing on a social media platform, we may collect the information that you post. Please note that your comments will also be visible to the public, so you should never share Personal Information that you would like to keep private.
Information that you choose to provide if you apply for a job through the Site.
Information that you provide if you use our e-mail services. For example, we may ask you to provide your name, e-mail address, or e-mail addresses for the recipients of the e-mail and a message. IS may retain and monitor these messages.
Information as You Navigate Our Site
We may automatically collect certain technical information through your use of the Site and Services, such as the following:
- Usage Information: We collect certain information automatically through your use of the Site, such as which of the pages on the Site that you access, the frequency of access, and what you click on while on our Site. We may also collect information about your use of the Services, such as frequency of use.
- Location Information: We may collect information about your actual location which may be determined from GPS and other sensors that may reveal information on nearby devices, Wi-Fi access points, and cell towers.
- Device Information: We may collect information about the device you are using, such as hardware model, operating system, application version number, browser, and IP addresses.
- Mobile Device Information: In addition to the Device Information listed above, when you access our Site via a browser on your mobile device, we may collect mobile network information including telephone number, the unique device identifier assigned to that device, mobile carrier, operating system, and other device attributes.
How Do We Use “Cookies” and Other Tracking Technologies?
- Estimate our audience size and usage patterns;
- Store information about your preferences, allowing us to customize our Site according to your individual needs;
- Deliver advertisements tailored to your interests on third-party websites;
- Speed up your searches; and
- Recognize you when you return to our Site.
Although most web browsers are initially set up to accept cookies, if you prefer, you may decline the placement of a cookie on your hard drive by using the appropriate features of your web browser software or deleting any existing cookies. Users should understand, however, that certain functions of this Site may not function properly if your web browser does not accept cookies.
You can find out more about cookies and how to manage them by visiting www.AboutCookies.org.
You can understand which third parties have currently enabled cookies for your browser or mobile device and how to opt out of some of those cookies by accessing the Network Advertising Initiative’s website or the Digital Advertising Alliance’s website or, if you are located in the European Union, at the Your Online Choices website. For more information on mobile specific opt-out choices, visit the Network Advertising Initiative’s Mobile Choices website.
Does the Website Respond to “Do Not Track” Signals?
At this time, our Site and Services do not respond differently based on a user’s Do Not Track signal.
How Do We Use the Information We Collect?
We may use information we collect about you or that you provide to us in the following ways:
- To present our Site and its contents in a suitable and effective manner for you and for your device;
- To provide you with information, products, or Services that you request from us;
- To advertise products and Services that we think may be of interest to you;
- To establish and manage accounts, including by collecting and processing payments and completing transactions;
- To provide our e-mail services;
- To provide customer support, troubleshoot issues, manage accounts, and respond to requests, questions, and comments;
- To carry out our obligations and enforce our rights arising from any contracts entered into between you and us; and
- To notify you about any additions, upgrades, or changes in our Services.
Whom Do We Share Information With?
We may share information we collect about you or that you provide to us in the following ways:
To our subsidiaries and affiliates;
With non-affiliated third-party contractors and service providers as necessary to process payments, process and settle claims, issue or renew and process home service contracts, issue and process builders’ new-home warranties, and to fulfill other related service or other obligations;
With non-affiliated third parties that may provide products or services that we think may be of interest to you;
To third-party service providers to prepare, deploy, and analyze advertising content;
To third parties to comply with a court order or other legal obligation, enforce or apply our , or to protect the rights, property, or safety of 2-10 IS, our customers, or others;
In connection with, or during negotiations for, an acquisition, merger, asset sale, or other similar business transfer that involves all or substantially all of our assets or functions where the information is transferred or shared as part of the business assets; In the event of a bankruptcy, as part of a sale in connection with reorganization or liquidation processes; and
With your consent or at your direction, such as when you choose to share information or publicly post content and reviews (for example, social media posts).
What Choices Do You Have About Your Personal Data?
You may opt out of our e-mail marketing communications to you by: (1) following the unsubscribe instructions provided in such
communications, (2) sending an e-mail request to be added to our do not contact list to privacy[email protected], or (3) sending a written request, with a clear heading, to HBW Insurance Services, LLC, Attn: Legal Department, 13900 East Harvard Avenue, Aurora, Colorado 80014.
Accuracy of Your Personal Information
We strive to maintain the accuracy of your information. In order to help us maintain accuracy, you have the right to reasonably access your information and request changes. If you believe any of your information in our possession is inaccurate, you may request that we amend or delete the information that you believe to be erroneous. If we concur with your conclusion, we will amend or delete the information in question.
Please write to our Privacy Officer at the address listed below to request correction or deletion of inaccurate information, or to ask any other questions about this Privacy Notice.
HBW Insurance Services, LLC
Attn: Legal Department
13900 East Harvard Avenue
Aurora, Colorado 80014
California Privacy Rights
If you are a California user, you have certain rights with respect to the collection, use, transfer, and processing of your Personal Information, as defined by the California Consumer Privacy Act (“CCPA”). We reserve the right to limit these rights where permitted under applicable law, including where your identity cannot be reasonably verified or to the extent your rights adversely affect the rights and freedoms of others. To exercise any of the rights below, please contact us via the contact information below. Only you or a person registered with the California Secretary of State that you authorize to act on your behalf may make a verifiable consumer request related to your Personal Information.
Collection of Personal Information
In the previous 12 months, we have collected the following categories of Personal Information:
|Collected in the
Past 12 Months
|A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security number, driver’s license number, passport number, or other similar identifiers.
|B. Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)).
A name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number, driver’s license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information.
Some Personal Information included in this category may overlap with other categories.
|C. Protected classification characteristics under California or federal law.
|Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth, and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information).
|D. Commercial information.
|Records of personal property; products or services purchased, obtained, or considered; or other purchasing or consuming histories or tendencies.
|E. Biometric information.
|Genetic, physiological, behavioral, and biological characteristics or activity patterns used to extract a template or other identifier or identifying information, such as fingerprints, faceprints, and voiceprints, iris or retina scans, keystroke, gait, or other physical patterns, and sleep, health, or exercise data.
|F. Internet or other similar network activity.
|Browsing history, search history, information on a consumer’s interaction with a website, application, or advertisement.
|G. Geolocation data.
|Physical location or movements.
|H. Sensory data.
|Audio, electronic, visual, thermal, olfactory, or similar information.
|I. Professional or employment-related information.
|Current or past job history or performance evaluations.
|J. Non-public education information (per the Family Educational Rights and Privacy Act (20 U.S.C. Section 1232g, 34 C.F.R. Part 99)).
|Education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records.
|K. Inferences drawn of the consumer.
|Inferences drawn from Personal Information identified above to create a profile about a consumer reflecting a consumer’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.
The above examples are illustrative examples from the CCPA and do not reflect the specific pieces of information we collect.
Personal Information does not include certain statutory exceptions, including but not limited to information covered by the Gramm-Leach-Bliley Act.
Sources From Which Personal Information Is Collected
We collect information in categories A (identifiers), B (personal information), C (protected classifications), H (audio data) and I (employment) directly from you, which includes through our Site and Services. Certain information in category I (employment) is collected by us when you become an employee. Certain information in categories A (identifiers), B (personal information), and C (protected classifications) may be received from third parties. We collect your information in category D (commercial) by keeping a log of your transactions. We collect information in categories F (internet), G (geolocation), and K (inferences) from your transactions with the Site.
Business or Commercial Purposes for Which Personal Information Is Collected
Your Personal Information is used for the following purposes:
- Respond to your requests for services or products
- Provide you with customer support and respond to your communications
- Send you transactional or administrative communications, as well as certain Service-related announcements
- Personalize your experience on our Site
- Send you information relating to other programs, services, or products that we believe may be of interest to you
- Run Site analytics to evaluate performance
- Recognize you when you return to our Site
- Carry out our obligations and enforce our rights arising from any contracts entered into between you and us
- Fulfill our responsibilities as an employer
Third Parties With Whom Personal Information is Shared
In the preceding 12 months, we have disclosed the following Personal Information about consumers for business purposes:
We share information in all categories with analytics and service providers, benefits providers, transaction processors, and advertising providers.
We share content posted on our social media platforms (e.g., if a consumer “comments” on a story) with other consumers. Such posts may include Personal Information in categories A (identifiers) and B (personal), but the content depends on the individual posts. We allow certain companies to use Personal Information in categories F (internet), G (geolocation), and K (inferences) to enhance online experiences and customize advertising. For more information, please see the “How Do We Use ‘Cookies’ and Other Tracking Technologies” section.
We share Personal Information in categories A (identifiers), B (personal), and D (commercial) with our subsidiaries and affiliates in connection with providing the Services to you.
We share Personal Information in categories A (identifiers), B (personal), and D (commercial) with non-affiliated third parties that may provide products or services that we think may be of interest to you.
In the preceding 12 months, we have not sold Personal Information of consumers under 16 years of age.
In the preceding 12 months, we have sold the following Personal Information about consumers: Information in categories A (identifiers), B (personal information), and D (commercial) to non-affiliated third parties that may provide products or services that we think may be of interest to you.
Right to Know
You have the right to request that 2-10 IS disclose the Personal Information it collects, uses, sell, and discloses about you.
This information will be provided to you free of charge, unless 2-10 IS determines that your request is manifestly unfounded or excessive. You may request this information twice in a 12-month period.
There are certain exceptions to a consumer’s Right to Know, including exceptions relating to employment information. 2-10 IS will state in its response if an exception applies.
Right of Deletion
You have the right to request that 2-10 IS and our service providers delete any Personal Information about yourself that 2-10 IS has collected from you upon receipt of a verifiable request. You should be aware, however, that California law allows us to retain your personal information under certain conditions, even if you have asked us to delete it, such as when retaining your personal information is necessary for us to complete a transaction with you or provide you with a product or service you have requested. We will notify you of any denial of your deletion request and the reason for such denial.
Right to Opt Out of the Sale of Personal Information
You have the right to opt out of the sale of your Personal Information by a business, subject to certain laws and regulations, by following the instructions to submit a request below.
Right to Non-Discrimination
You have the right not to receive discriminatory treatment for exercising the privacy rights conferred by California law. 2-10 IS will not discriminate against you because you exercised any of your privacy rights, including but not limited to by: denying goods or services to you; charging different prices or rates for goods or services, including through the use of discounts or other benefits or imposing penalties; providing a different level of quality of goods or services to you; or suggesting that you will receive a different price or rate for goods or services or a different level or quality of goods or services.
Only you, or someone legally authorized to act on your behalf, may make a verifiable consumer request related to your personal information. You may also make a verifiable consumer request on behalf of your minor child.
Making a verifiable consumer request does not require you to create an account with us.
If you have an online account with 2-10 IS, we will verify your identity through existing authentication practices. However, making a verifiable request does not require you to create an account with us. 2-10 IS must verify that the person requesting information or deletion is the California consumer about whom the request relates in order to process the request. To verify a California consumer’s identity, we may request up to three pieces of Personal Information about you when you make a request to compare against our records. We may also request that you sign a declaration under the penalty of perjury from the consumer whose Personal Information is the subject of the request.
We will only use Personal Information provided in your request to verify your identity and will delete any information you provide after processing the request. 2-10 IS reserves the right to take additional steps as necessary to verify the identity of California consumers where we have reason to believe a request is fraudulent.
You may choose a person registered with the California Secretary of State that you authorize to act on your behalf to submit your requests (“Authorized Agent”). If you choose to use an Authorized Agent, 2-10 IS requires that you provide the Authorized Agent with written permission to allow them to submit your request and that you verify your identity directly with 2-10 IS. Failure to do so may result in 210 IS denying your request.
Contact for More Information
If you have any questions or concerns regarding your California Privacy Rights under this Privacy Notice, you may write to us at our postal address:
HBW Insurance Services, LLC
Attn: Legal Department
13900 East Harvard Avenue
Aurora, Colorado 80014
Last Updated: June 24, 2020
How Do We Safeguard Your Information?
The security and protection of personal information is important to us, and we take administrative, technical, and physical safeguards to protect the information from unauthorized access, misuse, accidental loss, or alteration. For example, we use Secure Sockets Layer (SSL) for our registration and ordering functions, and we utilize a PCI-certified service provider to process credit card payments. We also expect our service providers to protect information in the same manner.
Unfortunately, the transmission of information via the Internet is not completely secure. Although we do our best to protect your Personal Information, we cannot guarantee complete security of your Personal Information transmitted to our Site. Any transmission of such information is at your own risk.
Transfer of Information to the United States
Social Security Protection Policy Statement
2-10 IS seeks to protect the confidentiality of social security numbers (SSNs) by maintaining physical, electronic, and procedural safeguards. We limit access to SSNs to help protect against their loss, misuse or unlawful disclosure. We do not disclose SSNs to third parties except where required or permitted by law.
We are not responsible for the privacy practices or the content of other websites, and we encourage you to review the privacy policies of any third-party websites you visit through any links on our Site.
Our Site is not intended for children under 13 years of age. No one under age 13 may provide any Personal Information to or on the Site. We do not knowingly collect Personal Information from children under 13. If you are under 13, please do not register on this Site, make any purchases through the Site, or send any information about yourself to us, including your name, address, telephone number, or e-mail address. In the event that we learn that we have collected Personal Information from a child under age 13 without verification of parental consent, we will immediately delete that information. If you believe that we might have any information from or about a child under 13, please contact our Privacy Officer by e-mail at privacy[email protected].
Changes to This Privacy Notice
We may add to, delete, or change the terms of this Privacy Notice from time to time by posting a notice of the change or an amended Privacy Notice on the Site. Your continued use of the Site is deemed to be acceptance of such changes.