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Last Revision: 02/20/2010

Privacy Policy

Privacy Policy and Practices of RetireMax Corporation and its Affiliates
(herein called "we, our, and us")

This Privacy Policy applies to our United States Operations

Welcome to the PiggyBankInsurance.com ("Site") owned, controlled and operated by RetireMax Corporation, an Illinois independent insurance agency. Protecting your privacy and security is our top priority. For this reason, we have adopted the following Privacy Policy ("Policy") to advise you of your choices regarding the use of your personal information online. By accessing and using our Site, you agree to this Privacy Policy and our Terms of Use ("Agreement").

For the purposes of this Policy, "you" or "your" means the person(s) using our Site, and/or the facilities or services of RetireMax. This Policy only applies to our Site and does not apply to any other affiliates, companies' or organizations' websites to which we link. RetireMax makes no warranties or representations about the content of, any services and/or products offered by, or the intellectual property compliance of, such Third Party Sites ("Third Party Sites"). You further acknowledge and agree that RetireMax is not responsible or liable, either directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with Third Party Sites. Please take the time to read the privacy, terms of use and security policies of those websites in order to determine how they treat your personal information before using them.

By visiting our Site and requesting information, services and/or products offered on or through our Site, you agree to the terms of this Policy, as they may be amended from time to time. We reserve the right to revise this Policy and email practices at any time and for any reason, without notice. We will post those revisions to this privacy statement, the homepage, and other places we deem appropriate so that you are aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it. As RetireMax revises or expands its Site, services and/or products, this Policy may change and the revisions are effective upon posting. Please check back frequently for revisions as it is your sole responsibility. RetireMax does not provide notice of revisions in any manner other than by posting them on this Site 30 days prior to any revision(s) that may go into effect. This Policy is incorporated into, and part of, our Site Terms of Use Agreement, which governs your use of our Site in general. For your information, the date of the last revision to this Policy is posted at the top of this page.

This Site is intended for users who are located in the United States of America. The Policy shall be interpreted under the laws of the United States. In addition, you acknowledge that you have had the opportunity to print this Policy. To print this Policy, please see the top of this page.

INFORMATION COLLECTION, USE, SHARE AND PROTECTION PRACTICES

This Policy applies to RetireMax’s collection, use, storage, sharing, protection and disclosure of information by RetireMax on its Site and is not intended to cover any other websites, companies or affiliates privacy policy practices. We do not collect personally identifiable information from you unless you voluntarily choose to disclose such information while taking advantage of the services and/or products on our Site.

1. HOW WE COLLECT PERSONAL INFORMATION

• 1.1 Personal Information. When voluntarily providing or transmitting personal information to us through our Site, we may obtain and collect information provided by you, including, but not limited to, your name, email address, mailing address, phone number, date of birth, gender, marital status, driver’s license number, social security number, occupation, education level, credit card number, vehicle identification number(s), year, make and model of vehicle(s), prior insurance coverage and limits (collectively referred to as "Personal Information"). If you choose to access our Site, use our services or purchase products offered through our Site, we may require you to provide Personal Information as indicated on the forms throughout the Site.
• 1.2 Foreign Use of This Site. To the extent that you are accessing our Site while domiciled outside of the United States, you acknowledge that the Personal Information you are providing to us is collected and stored in the United States and therefore consent to the transfer of information to and storage of the information outside of your domiciled country and in the United States.
• 1.3 Cookies, Web Beacons, and Other Information Collected Using Technology.
  • (a) Cookies A cookie is a small string of text stored on a user's computer by a web browser. A cookie consists of bits of information such as user preferences, shopping cart contents, and the identifier for a server-based session, or other data used by websites. It is sent as an HTTP header by a web server to a web client (usually a browser) and then sent back unchanged by the client each time he or she accesses that server. A cookie can be used for authenticating, session tracking and maintaining specific information about users, such as website preferences.
    We use cookies to keep track of some types of information while you are visiting our Site or using our services. Cookies are very small files placed on your computer, and they allow us to count the number of visitors to our Site and distinguish repeat visitors from new visitors. They also allow us to save user preferences and track user trends. We rely on cookies for the proper operation of our Site. If your browser is set to reject all cookies, the website will not function properly.
  • (b) Tracking Pixels. We use clear GIF Tracking pixels to track user movement through our Site for aggregated website traffic metrics.
  • (c) Web Beacons. A web beacon is a transparent image file used to monitor your journey around a single website or collection of websites. They are also referred to as web bugs and are commonly used by websites that hire third-party services to monitor traffic. They may be used in association with cookies to understand how visitors interact with the pages and content on the pages of a website. We may also use web beacons in email communications in order to understand the behavior of our customers.
  • (d) IP Addresses. We collect and analyze traffic on our Site by keeping track of the IP addresses of our visitors. IP addresses are unique numeric identifiers that are assigned to each computer browser accessing the Internet. An IP address, by itself, cannot identify you personally. However, when combined with other information provided by your Internet Service Provider (ISP), your IP address can be used to identify the computer originating a message.
  • (e) Session ID. We collect all end-user data based off of a session ID. This is how we organize answers to our questions. This in-house convention allows us to use an end-user’s session ID to see all of the end-user input for one quote.
  • (f) New Technology. The use of technology on the Internet, including cookies and web beacons, is rapidly developing. As a result, we strongly encourage individuals to revisit this Policy for any updates regarding its use of new technology.
  • (g) Demographic Data. Demographic data is also collected on our Site. We use this data to tailor our visitors experience on our Site, showing them content that we think they might be interested in, and displaying the content according to their preferences. Some of this information may be shared with advertisers on a non-personally identifiable basis.
  • (h) Log Files. A log file is a file that lists actions that have occurred. For example, web servers maintain log files listing every request made to the server. With log file analysis tools, it is possible to get a good idea of where visitors are coming from, how often they return, and how they navigate through our Site. Using cookies enables webmasters to log even more detailed information about how individual users are accessing our Site. Any time you visit our Site, our servers automatically gather information from your browser such as the following:
    • Your IP addresses;
    • Browser type;
    • Internet service provider (ISP);
    • Referring and exit pages;
    • Platform type;
    • The date and time you visit; and
    • The number of Hits (total number of times our Site has been visited).

    Log files are used to analyze trends, administer our Site, prevent fraud, track total movement, and gather broad demographic information. For example, we may log your IP address for system administration purposes. IP addresses are logged to track a user’s session. This gives us an idea of which parts of our Site users are visiting. We do not share information in the log files with anyone not directly affiliated with our company.

2. HOW WE USE PERSONAL INFORMATION

• 2.1 Insurance Price Quote Estimates. We use Personal Information you voluntarily provide and transmit to us through our Site to provide auto, home, life, health and dental insurance price quote estimates.
• 2.2 Solicited Email and Target Marketing. We only send email to individuals who have agreed on our Site and who have Opted-In to receive email messages from us regarding new products, services and insurance rate quotes. We may use Personal Information to target market these services and/or products. We do not send unsolicited email messages.
• 2.3 Opt-In. When you take advantage of the services and/or products offered on our Site, you will automatically receive commercial and promotional email messages from us to let you know about new products, services and insurance rate quotes offered by us and participating insurance companies. Any email sent by us or one of our partner companies or affiliates will always include an opportunity to Opt-Out from receiving future email.
• 2.4 Opt-Out. If you do not wish to receive email from us, our partner companies or affiliates, you may Opt-Out. Every communication we send you will contain a clearly worded "Opt-Out" or "Unsubscribe" link allowing you to withdraw your permission for future emails.

3. WHEN WE SHARE PERSONAL INFORMATION

• 3.1 Complying With Legal Process. We reserve the right to disclose your Personal Information as required by law and when we believe that disclosure is necessary to protect our rights and/or comply with a judicial proceeding, court order, or legal process served on our Site including, without limitation:
  • To comply with a legal process, such as a search warrant, subpoena or court order, state or federal law;
  • To protect our company rights and property;
  • To investigate reports of visitors providing false or misleading information;
  • To protect against misuse or unauthorized use of our Site and/or services;
  • To prevent or investigate reports of credit card fraud or unauthorized use.
• 3.2 Partner Companies. We share your Personal Information with our partner insurance companies who will use your Personal Information in combination with other information you provide about your insurance needs to create an insurance premium estimate. Ratings criteria vary between participating providers, with each company placing emphasis on particular items of information you provide. Each insurance company has their own privacy policies and we are not responsible for these policies or the services and/or products offered by third party providers so please make sure to review the privacy policy of any third party company from whom you may purchase an insurance policy.
• 3.3 Financial, Credit and Government Agencies. In order to provide you with our services and/or products, and only where permitted by law, we share your Personal Information with: (1) financial service providers who provide comparative rates; (2) certified credit bureaus to verify information about your credit report; (3) Department of Motor Vehicles to verify your driving record, previous claims history, vehicles and VIN and other relevant information. Your Personal Information is maintained by credit agencies and disclosed by them to others as permitted by law.
• 3.4 Third Party Information. In states where we are not licensed to sell insurance products, we may provide direct links to insurance companies and/or affiliate Third Party Sites for the purposes of securing the services and/or products you have requested. We may collect information from you when you provide information to Third Party Sites. If you purchase insurance from these Third Party Sites, companies and/or agents as a result of visiting our Site, they may share your Personal Information with us regarding the insurance policy which is purchased and related information but we will not share the information with unaffiliated third parties. When you purchase third party services and/or products from Third Party Sites, you become their customer and are subject to their privacy policies. We encourage you to review these companies' privacy policies and only do business with those who adhere to personal information practices with which you are comfortable.
• 3.5 Acquisition/Merger/Sale. We further reserve the right to disclose, transfer or sell your Personal Information to companies who are affiliated with us in our sole discretion. If we change ownership through an acquisition, merger, sale or other change of business status, we reserve the right to transfer or assign the right to use your Personal Information collected through our Site.

4. HOW WE PROTECT PERSONAL INFORMATION

• 4.1 Security. The security of your Personal Information and email address are extremely important to us. When you provide Personal Information including, without limitation, your payment information and/or social security number during the insurance quote process, we encrypt the information by using advanced encryption technology known as Secure Socket Layer (SSL) to protect the transfer and storage of your Personal Information. In addition, during the insurance quote process, you are on secure pages of our Site and a lock or key icon appears on the bottom of your web browser screen. All Personal Information is restricted in our offices. Employees are granted access on a need-to-know basis. In addition, the servers on which we store Personal Information are kept in a secure environment. Our main servers are operated from a dedicated Internet hosting facility. Unfortunately, no data transmission over the Internet can be guaranteed to be 100% secure. Therefore, while we follow accepted industry standards and implement reasonable security practices to protect Personal Information, we cannot guarantee its absolute security.
• 4.2 Storage of Personal Information. We store Personal Information in a database on our computers. Our computers have security measures (such as a firewall) in place to protect against the loss, misuse, and alteration of the information under our control. Not withstanding such measures, we cannot guarantee that its security measures will prevent its computers from being illegally accessed, and the Personal Information on them stolen or altered.

Questions or concerns regarding our Site, Terms of Use, and/or our Privacy Policy please send an e-mail to: .