Privacy Policy
Last Updated: 11/01/2023
This Privacy Policy (“Policy”) explains how Kradle2 Inc. (“Kradle2,” “we,” or “us”) collects, uses, and discloses personal information about you. This Policy applies to information we collect when you access or use our website and other online products and services that link to this Policy (collectively, the “Services”), communicate with customer service, or otherwise interact with us. Please review this Policy carefully. We may provide different or additional notices of our privacy practices with respect to certain products or services, in which case this policy will not apply. If you are a customer to whom we provide insurance brokerage or other financial services or products, please refer to our U.S. Customer Privacy Notice.
We may change this Policy from time to time. If we make changes to this Policy, we will notify you by revising the date at the top of the Policy. If we make material changes, we will provide you with additional notice (such as by adding a statement to the Services or sending you a notification). We encourage you to review this Policy regularly to stay informed about our information practices and the choices available to you.
CONTENTS
• Collection of Personal Information
• Use of Personal Information
• Disclosures of Personal Information
• Analytics
• Your Privacy Rights and Choices
• Links to Other Websites and Services
• Your Choices
• Contact Us
COLLECTION OF PERSONAL INFORMATION
The categories of personal information we collect and the sources from which we collect it depend on your interactions with us and are described in more detail below.
PERSONAL INFORMATION YOU PROVIDE DIRECTLY TO US
We collect personal information you provide directly to us when you use our Services to evaluate or purchase a policy, inquire about our services, create an online account or profile, or otherwise interact with us. Depending on the Services we provide you, the types of personal information we collect directly from you may include your:
• name
• email address
• postal address
• phone number
• date of birth
• social security number
• health information
• Any other information you choose to provide
If you purchase a policy through us, we work with third-party payment processors and financing partners who may collect your credit card or other financial account information to process your payment information.
PERSONAL INFORMATION WE COLLECT AUTOMATICALLY
We automatically collect personal information when you access and use our Services, including:
- Device and Usage Information: We collect information about how you access and use our Services, including device information, such as your browser type, hardware model, operating system version, IP address, unique device identifiers, and language settings. We also collect information about your activity on our Services, your access times, pages viewed, the routes by which you access our Services, and your use of any hyperlinks available within our Services.
- Transaction Information: When you purchase a policy, we collect information about your transactions and payments, including policies or services you purchased, or are considering purchasing through us, the purchase price, and the date and location of the transaction.
- Information collected via cookies, web beacons, and other tracking technologies: We (and those that perform work for us) use cookies, web beacons, and other tracking technologies to collect information about your browsing behavior, purchase behavior, and other engagement with our Services. Cookies are small data files stored on your hard drive or in device memory that help us improve our Services and your experience, see which areas and features of our Services are popular, and count visits. Web beacons (also known as “pixel tags” or “clear GIFs”) are electronic images that we use on our Services and in our emails to help deliver cookies, count visits, and understand usage and campaign effectiveness. See the “ Analytics” and “Your Choices” sections below for further information.
- Audio: We may record calls for training or customer service purposes.
PERSONAL INFORMATION WE COLLECT FROM OTHER SOURCES
We may collect personal information about you from other sources. For example, we may collect personal information about you from:
• Other customers who provide information about you as part of an application;
• Third parties such as fraud prevention partners and fulfillment partners that support our operations;
• Marketing and advertising companies, data co-ops and mailing list providers, and market research companies;
• Life insurance carriers that provide the underwriting of the policy provided to you; and
• Third party single sign on providers.
The types of personal information we collect from other sources may include name, email address, mailing address, billing address, date of birth, product preferences, and product purchases.
PERSONAL INFORMATION WE DERIVE
We may derive information or draw inferences about you based on the information we collect. For example, we may infer that you are interested in purchasing certain types of products based on your browsing behavior on our Services.
USE OF PERSONAL INFORMATION
We use the personal information we collect to provide, maintain, and improve our products and services. We also use personal information to:
• Complete an insurance application;
• Provide donations or contributions on your behalf;
• Communicate with you about products, services, charities, and other information that we think will interest you;
• Identify, report, and repair errors that impair the functionality of our Services;
• Analyze trends and statistics, learn more about your preferences and your interaction with our Services, and improve your experience;
• Detect, investigate, and prevent security incidents and protect against malicious, deceptive, fraudulent, or illegal activity;
• Respond to your comments, questions, and requests and provide customer service;
• Comply with our legal and financial obligations.
DISCLOSURES OF PERSONAL INFORMATION
In certain circumstances, we may disclose the personal information we collect about you. We disclose the categories of personal information described in “Collection of Personal Information” above in the following ways:
• Life Insurance Carriers and Charities. We disclose personal information to life insurance carriers and charities in order to effect and administer a transaction in which you request or authorize us to engage as an insurance broker and/or pursuant to your direction.
• Vendors and Service Providers. We make personal information available to our vendors, service providers, and contractors who perform services on our behalf, such as companies that assist us web hosting, fraud prevention, surveys, financing and payment processing, and analytics.
• Corporate Transactions. Personal information may be disclosed or transferred as part of, or during negotiations of any purchase, sale, lease, merger, amalgamation or any other type of acquisition, disposal, securitization, or financing involving Kradle2.
• Professional Advisors. We disclose personal information to our legal, financial, insurance and other advisors in connection with the kinds of corporate transactions described above or in connection with the management of Kradle2’s business or operations.
• Law Enforcement Authorities and Individuals Involved in Legal Proceedings. We may disclose personal information about you, if necessary, in our good faith judgment, to comply with laws or regulations or in response to a valid subpoena, order, or government request, or to protect the rights, property, or safety of Kradle2 or others.
• Consent. We make personal information available to third parties when we have your consent, or you intentionally direct us, to do so.
ANALYTICS
We engage others to provide analytics services across the web and in mobile apps. These entities may use cookies, web beacons, device identifiers, and other technologies to collect information on our behalf about your use of our Services and other websites and applications, including your IP address, web browser, mobile network information, pages viewed, time spent on pages or in mobile apps, links clicked, and conversion information. This information may be used by us and others to, among other things, analyze and track data, determine the popularity of certain content, and better understand your online activity.
LINKS TO OTHER WEBSITES AND SERVICES
We are not responsible for the practices employed by websites or services linked to or from the Services, including the information or content contained in such websites or services, and this Policy does not apply to them. We provide links to products available on third-party websites for your convenience. Your browsing and interaction on any third-party website or service, including those that have a link on or to our Services, are subject to that third party’s own rules and privacy policies. Please read the terms of such websites and applications carefully and exercise care when providing your personal information.
YOUR CHOICES
ACCOUNT INFORMATION
You may update and correct certain account information at any time by contacting us at [email protected]. If you wish to deactivate your account, please contact us at [email protected], but note that we may retain certain information as required by law or for our legitimate business purposes.
COOKIES
Most web browsers are set to accept cookies by default. If you prefer, you can usually adjust your browser settings to remove or reject browser cookies. Please note that removing or rejecting cookies could affect the availability and functionality of our Services.
BROWSER DO NOT TRACK
Our website does not support Do Not Track (DNT) at this time. DNT is a privacy preference you can set in your web browser to indicate that you do not want certain information about your web page visits tracked and collected across websites. For more details, including how to turn on Do Not Track, visit www.donottrack.us.
CONTACT US
If you have any questions about this Policy or our information practices, please contact us at:
Kradle2 Inc.
423 Broadway Ave. Suite 138
Millbrae, CA 94030