Privacy Policy

Effective Date: February 21, 2020

This Privacy Policy covers Savvy Insurance Solutions, LLC (“Savvy”) policies on the collection, use, and disclosure of personal data/personally identifiable information/personal information (as defined by applicable law and hereinafter collectively referred to as “Personal Data”) when users access savvy.insure (“Site”) and/or the Savvy mobile applications (collectively the “Platform”) and the software and services made available through the Platform (collectively the “Services”).

Savvy is a Delaware corporation with offices in the United States. Savvy collects Personal Data and processes, transfers and stores data within the United States.  By optionally providing your Personal Data and insurance information within the Platform, you consent to the collection, use and disclosure practices identified in this Privacy Policy.

  1. What Information Is Collected by Savvy And How Is It Used?

Publicly Available Information.   Savvy may obtain information about users from third-party sources that aggregate public records in order to market and/or provide Savvy’s services.

IP Address.  A user’s “IP Address”  is identified and logged automatically in our server log files whenever a user visits the Site, along with the time of the visit and the page(s) that were visited. Savvy uses IP Addresses for calculating usage levels of the Site, helping diagnose server problems, and administering the Site and Services.

Cookies:  Savvy utilizes cookie technology to gather information on Internet use in order to serve its users more effectively. As described in Section 2, Savvy also utilizes third party analytics services which may also use tracking cookies to provide information about the use of our Platform. Users can set their browser to remove or reject cookies and/or accept or refuse cookies on the cookie consent banner on the Site itself; however, some Platform features or Services may not work properly without cookies. 

  1. Is Information Collected By Or Disclosed To Third Parties?

As required by applicable law, Savvy has in place data processing addendum(s) with those service providers that process end-user Personal Data to ensure compliance with obligations under applicable data protection laws and regulations.  Personal Data is shared with the following service providers as follows:

Insurance Rate Comparison:  

Analytics: Savvy uses the following third party analytics services:

 

Customer Services Support.  Savvy utilizes Kustomer, Inc. for customer services and support purposes.  Processing of Personal Data is subject to the master services agreement and the Kustomer Product Privacy Statement.  Savvy also utilizes Intercom, Inc. a third party analytics service, to help us understand your use of our Services and to communicate with you by exchanging service-related notifications.  Please see Intercom's Privacy Policy.

Payment Processing Information. Savvy does not itself store debit or credit card information on its servers.  Savvy utilizes a third party payment processor, Stripe, to manage and process payments in order to guarantee the security of Subscriber’s Personal Data.  For more information on its privacy policy, please see Stripe's Privacy Policy.

Third Party Advertising and Re-Targeting Services: Savvy may share Personal Data with third party marketing platforms to display and send to users offers for products and services.  In addition, when accessing the Platform, third party advertising services may place a cookie on your browser, which may be used to target relevant advertisements to you when you visit third party websites.  Users may opt-out from receiving targeted advertisements by visiting the (1) Network Advertising Consumer Opt-Out page, (2) Digital Advertising Alliance Opt-Out page, and/or (3) the opt-out provisions pertaining to the applicable advertising services/retargeting provider.

Other Potential Third Party Disclosures: Personal Data may also be disclosed to third parties to serve our legitimate business interests as follows: (1) as required by law, such as to comply with a subpoena, or similar legal process, (2) if Savvy is involved in a merger, acquisition, or sale of all or a portion of its assets, (3) to investigate, prevent, or take action regarding suspected or actual illegal activities or to assist government enforcement agencies; (4) enforce our agreements with you, and/or (5) investigate and defend ourselves against any third-party claims or allegations. We will use commercially reasonable efforts to notify users about law enforcement or court ordered requests for data unless otherwise prohibited by law.

  1. How Does Savvy Comply With The Children’s Online Privacy Protection Act and cCPA Regulations Relating to Children?

 

Savvy does not knowingly collect Personal Data from anyone under the age of 18.  If a parent or guardian becomes aware that his or her minor child (as defined by the applicable privacy rules or regulations pertaining to the minor child) has provided us with Personal Data without their consent, he or she should contact Company at legal-notices@savvy.insure. We will delete such Personal Data from our files within a commercially reasonable time, but no later than required under the applicable law relating the child’s state and/or country of residence.

  1. How Long Does Savvy Retain Personal Data Collected?

We will retain account and purchase data as long as it is necessary to provide our Services to our Users.  When a Subscriber’s account is terminated or expires,  Personal Data collected through the Platform will be deleted in accordance with the requirements of applicable law.  Personal Data obtained from Site users will be maintained as long as it is necessary to provide requested communications and information-based services or until a Visitor exercises its right to opt-out of requested communications or information-based services.  Anonymized and Pseudo-anonymized data will be retained as long as Savvy determines such data is commercially necessary for its legitimate business interests.

  1. Your California Privacy Rights.

Addendums have been entered into with applicable service providers certifying they understand the applicable California Consumer Privacy Act of 2018 (“CCPA”) and shall comply with the California Civil Code section 1798.83. restrictions relating to their processing of Personal Information. Savvy does not sell Personal Data to third parties as that term is defined within the CCPA.

Privacy Rights under California Civil Code Section 1798.83:  California law permits Consumers to request and obtain from once a year, free of charge, certain information about their Personally Identifiable Information (“PII”) (as defined by California law) disclosed to third parties for direct marketing purposes in the preceding calendar year (if any). If applicable, this information would include a list of the categories of PII that was shared and the names and addresses of all third parties with which we shared information in the immediately preceding calendar year.

Privacy Rights under California Business and Professions Code Section 22581: In addition, a business subject to California Business and Professions Code Section 22581 must allow California residents under age 18 who are registered users of online sites, services or applications to request and obtain removal of content or information they have publicly posted. Your request should include a detailed description of the specific content or information to be removed. Please be aware that your request does not guarantee complete or comprehensive removal of content or information posted online and that the law may not permit or require removal in certain circumstances.

  1.  Savvy Security Policy

Savvy has implemented reasonable administrative, technical and physical security measures to protect your personal information against unauthorized access, destruction or alteration. However, although we endeavor to provide reasonable security for information we process and maintain, no security system can ever be 100% secure.  

In addition, Savvy utilizes a PCI-DSS compliant third party payment processor to ensure the security of Subscriber’s Personal Data. Users should review Stripe’s Security Policy for more information on their security practices.

  1. How Does The Platform Respond To “Do Not Track” Signals?

“Do Not Track” is a feature enabled on some browsers that sends a signal to request that a website disable its tracking or cross-Platform user tracking. At present, the Platform does not respond to or alter its practices when a Do Not Track signal is received.

  1. How Will I Be Notified Of Changes To Your Privacy Policy?

If we make material changes to our Privacy Policy, we will notify you by changing the Effective Date at the top of the Privacy Policy.  Express consent will be obtained when required for any material changes in Savvy’s collection and use practices.

  1. Contact Us

If you have any questions regarding your Personal Data or about our privacy practices, please contact us at: Savvy, Attention: Privacy Department, legal-notices@savvy.insure.