Texas Insurance Ratings collects information from you when you choose to share it with us to use our Site, create an online account with us, request information from us, sign up for newsletters or our email list, post a review, make a purchase, participate in a survey or promotion, or otherwise contact or interact with us. The information we collect may include your name, address, email address, telephone number, birthday, gender, chat transcripts, purchase information and other information you provide to us via this website. We may combine the information you provide to us with information (1) from and about you that we automatically collect when you use this or other sites affiliated with Texas Insurance Ratings (2) from third parties, or (3) from other online and offline sources.
We may use cookies, web beacons, pixel tags, log files, local shared objects (Flash cookies), and other technologies to collect certain information about visitors to, and users of, our Site, to deliver online advertisements that we think would be more relevant to your interests, and to monitor interactions with our emails and online advertisements. For example, through these means, we may automatically collect your browser type, operating system, Internet Protocol ("IP") address, software version, and the domain name from which you accessed the Site. If you access our Site from your mobile device, we may collect geolocation data, unique user ID, cell phone model, operating system and carrier. In addition, we may collect information about your browsing behavior, such as the date and time you visit the Site, the areas or pages of the Site that you visit, the amount of time you spend viewing or using the Site, the number of times you return to the Site, other click-stream or site usage data, emails or ads that you open, forward or click-through to our Site. Collecting this information, and linking it with your personally-identifiable information, helps us to best tailor our website and enhance your online experience by saving your preferences while you are visiting a particular site, and to help identify site features, advertisements, and offers that may be of particular interest to you.
We also may use third party advertisements placed by ad networks to support our site. Some of these advertisers and ad networks may use technology such as cookies and web beacons/pixel tags when they advertise on our site, which will also send these advertisers and ad networks information including your IP address, your ISP, the browser you used to visit our site, and whether you have Flash installed. Some of these advertisers and ad networks also may use anonymous data, such as demographic data, received from third parties to assist in the delivery of advertisements to you. These advertisers and ad networks use the information described above to provide you relevant advertisements based on your online behavior, search activities on our site and on other third party sites, demographic information and/or general location, so that the advertising you see on our site more closely reflects your interests and needs. For example, if you search for a product on our site, you may see an advertisement from a third party with information about, or an offer similar to, that for which you were searching or browsing on our site, or an offer related to a third party whose site you have visited in the past.
You are free to set your browser to decline cookies, but by doing so, you may not be able to use certain features on the Site or take full advantage of all of our offerings. Check the "Tools or "Help" tabs in your browser (or your mobile device privacy settings) to learn how to change your cookie and other tracking preferences. Note that our systems may not recognize Do Not Track headers from some or all browsers. To learn more about the use of cookies or other technologies to deliver more relevant advertising and to know your choices about not having this information used by certain service providers, please click here.
We may obtain information about you from other sources, including commercially available sources, such as data aggregators and public databases. This information may include name, demographic information, interests, email address, unique device identifiers, and publicly-observed data, such as from online activity, social media, and shopping behavior. We may combine this information with the information we collect from you to help us tailor our communications to you and to improve our services and products.
Texas Insurance Ratings may use the information we collect from and about you for any of the following purposes:
Texas Insurance Ratings may disclose the personal information we collect from and about you as follows: (1) the service provider that operates this Site and its affiliated companies; (2) to other service providers, if the disclosure will enable them to perform a business, professional or technical support function for us; (3) as necessary if we believe that there has been a violation of our rights or the rights of any third party; (4) to respond to judicial process and provide information to law enforcement or regulatory agencies or in connection with an investigation on matters related to public safety, as permitted by law, or otherwise as required by law; (5) to our select partners that we believe may have offers of interest to you; (6) to promote the Site and our business to third parties; and (7) as described to you at the point of collection.
Texas Insurance Ratings may also share aggregate or anonymous non-personal information with third parties.
Also, Texas Insurance Ratings may sell or purchase assets during the normal course of our business. If another entity acquires us or any of our assets, information we have collected about you may be transferred to such entity. In addition, if any bankruptcy or reorganization proceeding is brought by or against us, such information may be considered an asset of ours and may be sold or transferred to third parties. Should such a sale or transfer occur, we will use reasonable efforts to try to require that the transferee use personal information provided through this Site in a manner that is consistent with this Privacy Statement.
The Site may have links to third-party websites or applications, which may have privacy policies that differ from our own. We are not responsible for the practices of such sites or applications.
This site is intended for general audiences and Texas Insurance Ratings does not knowingly collect any personal information from children under the age of 13.
We have taken certain physical, administrative, and technical steps to safeguard the information we collect from and about our customers and Site visitors. While we make every effort to help ensure the integrity and security of our network and systems, we cannot guarantee our security measures.
Texas Insurance Ratings reserves the right to revise this Privacy Statement at any time. Please check back from time to time so you are aware of any changes or updates to the notice. We will indicate the notice's effective date on the first page of the notice.