Privacy Notice

Please read this information carefully and print a copy and/or retain this information for future reference.

This Privacy Policy has been crafted to elucidate the data collection procedures, utilization methods, and our commitment to adhering to both local and international regulations for the benefit of our website users and clients.

The terms ‘we,’ ‘our,’ and ‘us’ referenced in this Privacy page pertain to HoweCarr Insurance, more commonly recognized as HoweCarr Insurance. To access our company’s contact details, kindly refer to this Contact.

By submitting your information on our website, you acknowledge that you have received and reviewed this E-Consent Policy.

HoweCarr Insurance’s Position on Data Collection, Processing, and Protection:

In all matters related to data collection and safeguarding, we diligently implement and uphold contemporary best practices. We have adopted practices wherever feasible to ensure cross-border compliance. The information contained within this privacy policy aligns with or exceeds the following widely accepted data principles:

• Fair and Legal Processing of Personal Data: We refrain from collecting or processing any data unless it is contractually mandated or essential as per our partnerships.
• Specific and Lawful Data Purpose: As elucidated throughout this document, HoweCarr Insurance exclusively collects and processes data when it serves a necessary purpose.
• Relevance of Personal Data: We collect only the information essential for our purposes, responding promptly to client requests.
• Data Accuracy: All data gathered by HoweCarr Insurance is maintained with precision, with updates made promptly.
• Data Retention: Personal data retained by HoweCarr Insurance is kept only for the duration it serves a legitimate purpose or as legally required.
• Compliance with Local and International Law: All data activities, including collection, processing, and storage, strictly adhere to local regulations in our office locations and international standards such as GDPR.
• Data Security Measures: HoweCarr Insurance employs robust IT solutions and standard operating procedures to ensure the security of personal data, limiting access to authorized individuals.
• Limited Data Sharing: We only share data when essential, following secure protocols. Data is shared as contractually mandated or legally required, and not for sale.

Types of Data Being Collected:

HoweCarr Insurance is obligated by contract to collect and retain specific personal data from potential and existing clients. This data is essential to provide quotes, process applications, underwrite and enable services. The personal data collected may include: First and last name, Street address, Email addresses, Telephone numbers, Date of birth, Gender, Housing/education/marital status, Other user-provided information, IP address/device info.

Data Collection from Children:

HoweCarr Insurance adheres to a strict policy of not knowingly requesting nonpublic personally identifiable information from individuals under the age of 13, in accordance with the Federal Children’s Online Privacy Protection Act of 1998 (COPPA). Users of HoweCarr Insurance are required to provide their date of birth during registration, and individuals under the age of 18 may not register as members.

Data Collection Methods by HoweCarr Insurance:

All data collected by HoweCarr Insurance is voluntarily provided by users with their explicit consent. Data may be collected through various means, including: Forms on our website, Email communication, Application forms, Telephone and in-person communication, Text messages, Online forms for marketing purposes, Cookies, Google Analytics.

Consent to Data Collection:

By using this website, you voluntarily consent to the collection and usage of your personal data as described in this document. This consent is entirely optional, with data collection occurring only when contractually required, legally mandated, or for marketing purposes. Where applicable, explicit consent will be sought as required by law.

Purpose of Data Collection:

Data collected from users is used for various purposes, including: Enhancing user experiences, Sending electronic newsletters, Verifying completed transactions, Creating aggregate demographic reports, Complying with applicable laws.

Utilization of Collected Data:

HoweCarr Insurance employs collected data to facilitate the sales, purchase, underwriting, payment, administration, and renewal of services. Personal data may also be used for marketing purposes related to these products and services, always with the requirement of consent.

Data Sharing:

Email addresses and phone numbers are collected solely for site-related purposes, and we do not share them with third parties/affiliates for marketing/promotional purposes. All other categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

Third-Party Access:

At HoweCarr Insurance, we grant access to your information to trusted service providers for service facilitation and collaborate with advertising and analytics partners to enhance your experience. In circumstances such as business transfers or legal obligations, your data may be disclosed. We respect your privacy and never share personal information for marketing purposes without your explicit consent.

Compliance with Do-Not-Call Registry:

It is every consumer’s right to add his or her telephone number to the National Do Not Call Registry. However, a company may call a consumer with whom it has an established business relationship for up to eighteen (18) months after the consumer’s last purchase, delivery or payment, and for up to three (3) months after the consumer submits an application or an inquiry to the company, even if the consumer’s number has been added to the National Do Not Call Registry.

Cookies:

Similar to many websites, we employ “cookie” technology to gather additional data on website usage and improve our Site and Service. We do not use cookies to collect personally identifiable information.

Your Consent:

By using this site, you consent to the collection and use of information as described in this Privacy Policy by This Site.

No mobile information will be shared or sold to third parties/affiliates for marketing/promotional purposes.