Welcome to LowerMyInsure website. These terms of use and privacy policy and all policy posted on site set out the terms on which we offer you access to and use of our site and services. All policies, terms and the privacy policy are incorporated into these Terms of Use It is important you read and understand terms and conditions and privacy policy of the website. If you have any questions and concerns, please do not hesitate to contact us.
Who are we?LowerMyInsure is an online resource that enables consumers to find auto and life insurance quotes from the nation's top insurers. Our main focus is to help consumers get access to, and learn about what quality auto and life insurance plans are available to them. LowerMyInsure is not a licensed insurance agency or broker, and does not provide insurance quotes for any state.
Collection of Personal informationLowerMyInsure collects the information that you provide to LowerMyInsure through the web site’s forms. This information may include, but is not limited to, names, addresses, date of birth, gender, vehicle information, license status, current insurance status, education levels, accident questions (for auto insurance), and health history, gender, date of birth, height, weight, smoking status, names, and addresses (for life insurance). LowerMyInsure does not collect social security numbers, driver’s license numbers, or other state identification numbers. We do not sell, trade, or rent any Personal Information. By completing and submitting the form(s) on the LowerMyInsure web site, you authorize LowerMyInsure to reply to your requests for quotes and/or other types of information as indicated by the form’s header.
If you submit your e-mail address to us, your address will be added to the contact list of those who may receive email messages containing information of a commercial or promotional nature concerning LowerMyInsure’s services. You can opt out of receiving such communications by contacting LowerMyInsure Submit Contact Form OR Unsubscribe Please allow 30 days to remove your informationIn order to provide you with accurate insurance quotes, LowerMyInsure may send the Personal Information that you submit on the LowerMyInsure web site to insurance service providers, insurance agents, insurance carriers, and other third parties. Such third parties may or may not contact you about quotes or other price information. Such third parties may also use your Personal Information to directly contact you to request additional information if necessary to provide you with accurate quotes. LowerMyInsure may also disclose your Personal Information in compliance with applicable law. LowerMyInsure will not commercially sell your Personal Information.
Third Party VendorsLowerMyInsure may use vendors in the operation of LowerMyInsure’s activities and web site. Such vendors may have access to information that you submit through the web site. These vendors may not use Personal Information for any purpose other than the completion of their duties on behalf of LowerMyInsure.
SecurityTo prevent unauthorized access, maintain data accuracy, and ensure the correct use of information, LowerMyInsure has established appropriate and reasonable security procedures to safeguard and secure the information we collect. However, please remember that the Internet is not a 100% secure environment, and therefore LowerMyInsure cannot and does not guarantee that information you provide through the LowerMyInsure web site will not be improperly accessed, disclosed, altered, or destroyed by breach of any of our safeguards.
Information on the LowerMyInsure Web Site
LowerMyInsure will make all possible efforts to keep up-to-date and accurate information on this site, but we make no warranties or assurances as to the accuracy and completeness of the information provided through the pages of this site. LowerMyInsure endeavors to ensure that the information on this site is correct, but we cannot guarantee that such information is free of inaccuracies, errors, or omissions.
LowerMyInsure makes no representations or warranties of any kind, express or implied, as to the operation of this site or to the information, content, materials, or products included on this site. We shall not be responsible for damages or losses, including but not limited to any physical or financial damages or losses, resulting from access to, or the inability to access, this Internet site, or from any information provided on this Internet site. You expressly agree that your use of this site is at your sole risk.
Our web site is not intended for children under 18 years of age and we do not knowingly collect Personal Information from children under 18. No one under age 18 may provide any information to our web site. If we learn we have collected or received Personal Information from a child under 18 without verification of parental consent, we will delete that information. If you believe we might have any information from or about a child less than 18 years of age, please contact us at the contact information provided on the web site.
Third Party Web SitesLowerMyInsure may include links to third party web sites on our site. These third party sites have separate and independent privacy policies. We therefore have no responsibility or liability for the content and activities of these linked web sites. We encourage you to read the privacy policies of each of these third party web sites.
Your Rights Related to Your Personal InformationWithin two (2) years of your submission of Personal Information through the LowerMyInsure web site, you have the right to request a copy of the Personal Information that you have submitted to us. During this two (2) year period, you may also request that we correct any errors in the Personal Information that you have submitted. We may charge you a reasonable fee in responding to such request(s) that you must approve before we provide any such services.
Opt Out Procedures
You may opt-out of receiving offers of products or services from LowerMyInsure, and may also opt out of any future e-mails or mailings from LowerMyInsure. To remove your identifiable information from our database, and/or to no longer receive communications from LowerMyInsure, please Submit Contact Form OR Unsubscribe, Please allow 30 days to remove your information
LowerMyInsure’s web site is hosted in the United States and generally is intended for United States visitors. If you visit from the European Union or other regions with laws governing data collection and use that may differ from United States law, please be aware that you are transferring Personal Information to the United States. By providing Personal Information to us, you consent to the transfer of it to the United States and the use of it in accordance with this Policy and applicable law.
Updates to This Privacy PolicyLowerMyInsure may, at its discretion, update this Terms and Conditons. We will post any such changes to our web site and update the “last modified” date at the bottom of this page, so that you are aware of the revised Policy. Your continued use of the web site after such changes will be subject to the then-current Policy.
QuestionsIf you have any questions or comments about this Privacy Policy, please contact us using the following contact information:
LowerMyInsure Inc