Our Privacy Policy is designed to assist you in understanding how we collect and use the personal information you provide to us and to assist you in making informed decisions when using our site and our products and services.
When you visit our Web site you may provide us with two types of information: personal information you knowingly choose to disclose that is collected on an individual basis and Web site use information collected on an aggregate basis as you and others browse our Web site.
1. Personal Information You Choose to Provide
Registration Information
You will provide us information about yourself when you use certain services on MedigapGroup.com or register for email newsletters and alerts. You may also provide additional comments on how you see MedigapGroup.com servicing your needs and interests.
Email Information
If you choose to correspond with us through email, we may retain the content of your email messages together with your email address and our responses.
2. Web Site Use Information
Similar to other commercial Web sites, our Web site utilizes a standard technology called "cookies" (see explanation below, "What Are Cookies?") and Web server logs to collect information about how our Web site is used. Information gathered through cookies and Web server logs may include the date and time of visits, the pages viewed, time spent at our Web site, and the Web sites visited just before and just after our Web site. We, our advertisers, and ad serving companies may also use small pieces of code called "web beacons" or "clear gifs" to determine which advertisements and promotions users have seen and how users responded to them.
Broadly speaking, we use personal information for purposes of administering and expanding our business activities, providing customer service, and making available other products and services to our customers and prospective customers. Occasionally, we may also use the information we collect to notify you about important changes to our Web site, new services, and special offers we think you will find valuable. You may notify us at any time if you do not wish to receive these offers by contacting us at MedigapGroup.com.
A cookie is a very small text document, which often includes an anonymous unique identifier. When you visit a Web site, that site's computer asks your computer for permission to store this file in a part of your hard drive specifically designated for cookies. Each Web site can send its own cookie to your browser if your browser's preferences allow it, but to protect your privacy, your browser only permits a Web site to access the cookies it has already sent to you, not the cookies sent to you by other sites.
As you use our Web site, the site uses its cookies to differentiate you from other visitors. In some cases, we also use cookies to prevent you from seeing unnecessary advertisements or requiring you to log in more than is necessary for security. Cookies, in conjunction with our Web server's log files, allow us to calculate the aggregate number of people visiting our Web site and which parts of the site are most popular. This helps us gather feedback in order to constantly improve our Web site and better serve our customers. Cookies do not allow us to gather any personal information about you and we do not generally store any personal information that you provided to us in your cookies.
We may enter into alliances, partnerships, or other business arrangements with third parties who may be given access to personal information including your name, address, telephone number, and email for the purpose of providing you information regarding products and services that we think will be of interest to you. In connection with alliances, partnerships, or arrangements, we may also provide certain information to third parties if we have determined that the information will be used in a responsible manner by a responsible third party. For example, some of our partners operate stores or provide services on our site, while others power offerings developed by us for your use.
We also use third parties to facilitate our business, including, but not limited to, sending email and processing credit card payments. In connection with these offerings and business operations, our partners and other third parties may have access to your personal information for use in connection with business activities. As we develop our business, we may buy or sell assets or business offerings. Customer, email, and visitor information is generally one of the transferred business assets in these types of transactions. We may also transfer such information in the course of corporate divestitures, mergers, or any dissolution.
Occasionally, we may also use the information we collect to notify you about important changes to our Web site, new services, and special offers we think you will find valuable. As our customer, you will be given the opportunity to notify us of your desire not to receive these offers by sending us an email request at MedigapGroup.com.
How Do We Secure Information Transmissions?
Email is not recognized as a secure medium of communication. For this reason, we request that you do not send private information to us by email. Some of the information you may enter on our Web site may be transmitted securely via Secure Sockets Layer (SSL), 128 bit encryption services, which are enabled by VeriSign, Inc. Pages utilizing this technology will have URLs that start with HTTPS instead of HTTP. Please contact us at MedigapGroup.com if you have any questions or concerns.
How Can You Access and Correct Your Information?
You may request access to all your personally identifiable information that we collect online and maintain in our database by contacting us at MedigapGroup.com.
Certain Disclosures
We may disclose your personal information if required to do so by law or subpoena, or if we believe that such action is necessary to: (a) conform to the law or comply with legal process served on us or Affiliated Parties; (b) protect and defend our rights and property, the Site, the users of the Site, and/or our Affiliated Parties; (c) act under circumstances to protect the safety of users of the Site, us, or third parties.
What About Other Web Sites Linked to Our Web Site?
We are not responsible for the practices employed by Web sites linked to or from our Web site nor the information or content contained therein. Often links to other Web sites are provided solely as pointers to information on topics that may be useful to the users of our Web site.
Please remember that when you use a link to go from our Web site to another Web site, our Privacy Policy is no longer in effect. Your browsing and interaction on any other Web site, including Web sites which have a link on our Web site, is subject to that Web site's own rules and policies. Please read over those rules and policies before proceeding.
By using our Web site you consent to our collection and use of your personal information as described in this Privacy Policy. If we change our privacy policies and procedures, we will post those changes on our Web site to keep you aware of what information we collect, how we use it, and under what circumstances we may disclose it.
By submitting a quote request, you authorize this website to provide your information to insurance agents, both local and national. You also authorize this website to provide your information to one of our third party agent networks in the event that our primary agent network has few or no agents in your zip code. You authorize these agent networks to share your information with their vendors, suppliers, and insurance carriers in order to generate information for your quotes. By submitting a quote request, you acknowledge that this website's service requires you to agree that our partner companies may obtain a consumer report or credit score from a consumer reporting agency (also known as a credit bureau) and that these partner companies do not have the right to obtain a consumer report or credit score without your written instruction which you are granting by clicking the submit button. Accordingly, by submitting a quote request you instruct consumer reporting agencies to provide a consumer report or credit score on you to these partner companies if requested within a reasonable date from the time you submit information to this website . In the event that one of our partner companies obtains this credit information that partner company will not share this information with any other party, including insurance carriers, but insurance carriers may elect to obtain credit information on their own in connection with the quoting and underwriting of the requested insurance. Where permitted by law, some insurance companies or their agents may confirm your information, through the use of consumer reports, which may include credit score and driving record.
For further information and correspondence regarding these Terms and Conditions, please contact us:
MedigapGroup.com
Medigap Group
189 W Clarkston Rd.
Bld B, Suite #1
Lake Orion, MI 48362
