Privacy Policy

Privacy Policy

TravelInsuranceRatings.com has created this Privacy Policy in order to set forth the principles governing our information-gathering and dissemination practices, including but not limited to such activities as forums/reviews, chat rooms, product reviews, article commentary, blogs, RSS feeds and newsletters, among other offerings. TravelInsuranceRatings.com has a strong commitment to the privacy of our users. Please note that this Privacy Policy applies only to information collected through TravelInsuranceRatings.com and not to information collected offline or to information you may provide to any third-party sites to which TravelInsuranceRatings.com may link, except as expressly provided herein.

Information We Collect

There are two kinds of information that TravelInsuranceRatings.com can obtain about you: “Anonymous Information” and “Personally Identifiable Information.”

“Anonymous Information” consists of non-personally-identifiable data, such as your Internet Protocol (“IP”) address or domain, or information about your usage on TravelInsuranceRatings.com that is used for administrative purposes only. For example, an IP address is a unique string of numbers that is assigned to your computer by your Internet Service Provider. Web servers automatically identify your computer by its IP address. We may collect our users’ IP addresses for such purposes as to help diagnose problems with our servers and to report aggregate information to our advertisers, corporate affiliates and consultants, and to third parties that perform particular services on our behalf.

“Personally Identifiable Information” is any information that personally identifies you, such as your name, street address, email address, or telephone number. We collect such information when, for example, you contact us through an online form, subscribe to our email newsletter, and participate in other interactive online activities such as reviews.

In all cases, we will only use your information as permitted by law. Notwithstanding any other provision of this Privacy Policy, however, we may disclose Personally Identifiable Information to others if we are required to do so by law or we in good faith believe that such action is necessary to (a) comply with the law or with legal process; (b) protect and defend our rights and property; (c) protect against misuse or unauthorized use of the Site; or (d) protect the personal safety or property of our users or the public. Please note that we may not provide you with notice prior to disclosure in such cases.

Use of “Cookies”

TravelInsuranceRatings.com uses “cookies” – data that is transferred from TravelInsuranceRatings.com to your hard drive for record-keeping purposes.

Disclosure of Information through Business Transfers

As we continue to develop our business, we may buy, merge or partner with other companies or businesses, and in so doing, acquire customer information. In such transactions, user information may be among the transferred assets. Similarly, in the event that a portion or all of TravelInsuranceRatings.com’s assets are sold or transferred to a third party, customer information (including your email address) would likely be one of the transferred business assets.

Third Party Web Sites

TravelInsuranceRatings.com contains links to third-party Web sites not owned or controlled by TravelInsuranceRatings.com. TravelInsuranceRatings.com is not responsible for the privacy practices or the content of such third-party Web sites. Inclusion of any linked Web site on TravelInsuranceRatings.com does not imply or express an approval or endorsement of the linked Web site by us, or of any of the content, opinions, products or services provided on these Web sites. Even if an affiliation exists between TravelInsuranceRatings.com and a third-party Web site, we exercise no control over linked sites. Each of these linked sites maintains its own independent privacy and data collection policies and procedures. If you visit a Web site via a link from one of our Sites, we encourage you to consult that Web site’s privacy policy before providing any personal information, and whenever interacting with any such Web site.

Commenting

TravelInsuranceRatings.com may make article commenting available to users. Please remember that any such information that you may choose to provide in these areas becomes accessible to the public, and also becomes the property of TravelInsuranceRatings.com in accordance with our Terms and Conditions, and we may use such information in any way that we see fit. Consequently, you should exercise caution when deciding to disclose your personal information or to upload content of any kind.

Security

TravelInsuranceRatings.com has reasonable security measures in place to protect the loss, misuse and alteration of the information under our control. Security of information communicated by or to us over the Internet is of utmost concern to us; however, no data transmission over the Internet can be guaranteed to be 100% secure. Please note that your email, like most, if not all, unencrypted Internet communications, may potentially be accessed and viewed by other Internet users, without your knowledge and permission, while in transit to us. For that reason, to protect your privacy, please do not use email to communicate information to us that you consider confidential. While we strive to protect your personal information, TravelInsuranceRatings.com cannot ensure or warrant the security of any information you transmit to us. Once we receive your transmission, we will use reasonable efforts to ensure its security on our internal systems. Depending on the nature of the inquiry, your communication may be discarded or archived.

Policy Regarding Minors

Children should always ask parents before providing any personal information online. No information should be submitted to or posted on TravelInsuranceRatings.com by any minor (a person under 18 years of age) without the consent of a parent or guardian. Unless otherwise disclosed during collection, we do not knowingly provide any Personally Identifiable Information about minors, regardless of its source, nor is this information knowingly used by TravelInsuranceRatings.com for any marketing or promotional purposes. Minors are not eligible to participate in contests.

TravelInsuranceRatings.com abides by the Children’s Online Privacy Protection Act. In the event that we learn that we have collected information from any child under the age of 13 without verification of parental consent, we will delete this information from our database as quickly as reasonably possible. If you believe that any Site has collected any information about anyone under 13, please contact TravelInsuranceRatings.com’s Site Administrator via email at one of the addresses listed below.

Financial Relationships

Please note that TravelInsuranceRatings.com may have financial relationships with some of the companies mentioned on this website. In some instances, TravelInsuranceRatings.com may be compensated if consumers choose to utilize the links located throughout the content on this site and generate sales for said company.

Limitation of Liability

TravelInsuranceRatings.com PROVIDES THE INFORMATION, SERVICES AND PRODUCTS ON THIS WEB SITES “AS IS” WITHOUT WARRANTIES OF ANY KIND. YOU AGREE THAT TravelInsuranceRatings.com SHALL NOT BE RESPONSIBLE FOR ANY CONTENT FOUND ON OUR FORUMS/REVIEWS, THAT ANY DOWNLOADING OF MATERIALS FOUND ON OR THROUGH TravelInsuranceRatings.com FORUMS IS DONE AT YOUR OWN RISK, AND THAT TravelInsuranceRatings.com IS NOT RESPONSIBLE FOR UNSOLICITED COMMUNICATIONS THAT ARISE FROM YOUR POSTINGS. TravelInsuranceRatings.com SHALL NOT BE RESPONSIBLE IN ANY MANNER FOR THE ACTS OF ANY THIRD PARTY, INCLUDING WITOUT LIMITATION, ANY THIRD PARTY WEBSITE.

Consent and Modifications to this Privacy Statement

TravelInsuranceRatings.com is controlled, operated and administered entirely within the United States. By using TravelInsuranceRatings.com and/or participating in the activities of TravelInsuranceRatings.com Community, you signify your agreement to the terms of this Privacy Statement. If you do not agree with this Privacy Statement, please do not disclose any personal information through our site. TravelInsuranceRatings.com may modify this Privacy Statement at any time, at its discretion, and modifications are effective upon being posted on this the applicable Site. You are responsible for reviewing this Privacy Statement periodically to ensure that you are aware of any changes to it.

Contacting TravelInsuranceRatings.com

If you have any questions about this Privacy Statement you may contact us at:

privacy@travelinsuranceratings.com

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