HonestFlow Privacy Notice for the HonestFlow Lead Services

Effective: January, 2024

Please read this Privacy Notice carefully. This Privacy Notice provides important information regarding the collection and use of certain data and information that HonestFlow, LLC (hereinafter, “HonestFlow”, “we”, “our” or “us”) may collect in connection with our products, services, and business.  If you have any questions, comments, or concerns regarding this Privacy Notice and/or our data practices, please contact us via email at [[email protected]].

BY ACCESSING OR USING ANY OF OUR LEAD SERVICES (AS DEFINED BELOW), OR SUBMITTING INFORMATION IN CONNECTION WITH YOUR USE OF ANY OF OUR LEAD SERVICES, YOU ACKNOWLEDGE AND AGREE THAT YOU HAVE READ THIS PRIVACY NOTICE.

TABLE OF CONTENTS

1. INTRODUCTION & SCOPE OF PRIVACY NOTICE

This Privacy Notices applies to personal data collected in connection with the HonestFlow products and Lead Services from users of such covered products and Lead Services, each as described below.

The term “personal information” or “personal data” means any information about an individual from which that person may be identified.  For example, it may include a person’s name, telephone number, email address, or payment information, and in some jurisdictions, IP address.  It does not include data from which the identity of an individual has been definitively removed along with any identifiers connected to such individual (also known as anonymous or anonymized data).

HonestFlow Lead Services:

- The HonestFlow lead service online software platform (the “Platform”) that provides our insurance agent, insurance agency, and insurance company customers the opportunity to receive leads from consumers who are interested in receiving a quote for insurance products and services (the “Service”), and

- HonestFlow’s business and corporate websites and webpages directed at, and intended for, our current and prospective insurance agent, insurance agency, and insurance company customers of the Platform and Service, currently located at HonestFlow.com, including, its subdomains, and any other websites that include an authorized link to this Privacy Notice (collectively, the “Business Sites”).

When we refer to “Lead Services” throughout this Privacy Notice, we mean the Business Sites, Platform, Service, and any other products, websites, services, and/or applications provided by us and that include a link and/or reference to this Privacy Notice, and any related services and/or new features and/or functionality provided by us through or in connection with any of the foregoing.

Scope of Users:

- The insurance agent, insurance agency and/or insurance company or provider identified on the account registered to access to the Lead Services (hereinafter, the “Provider”) and who has entered into HonestFlow’s Lead Services Agreement for use of our Lead Services (the “Lead Services Agreement”).

- The Provider’s employees, contractors, or agents who have been authorized to access or use the Lead Services on behalf of the Provider, including, but not limited to, any licensed insurance agents that Provider may assign to a prospective lead (hereinafter, “Authorized Users”).

- Individual “Visitors” browsing or using our Business Sites.

Exclusions

- Please note that this Privacy Notice does not apply to HonestFlow’s consumer products and services, including, but not limited to, our consumer website located at HonestFlow.com, and our service enabling consumers to request to be contacted by insurance agencies for homeowner insurance.  If you are a user of such products and services, you can review the applicable Privacy Notice for such products and services here: HonestFlow.com/privacy-policy.

2. IMPORTANT NOTE REGARDING INFORMATION CONTROLLED BY PROVIDERS

If you are an Authorized User of a Provider, please be aware that certain personal data and other information you provide, submit, and/or upload in connection with your use of the Lead Services, is collected and processed by HonestFlow on behalf of the applicable Provider pursuant to the Lead Services Agreement as the “data processor” or “service provider” for such Provider who is the “data controller” or “business.”

Each Provider controls the collection, use and processing of such data and information and determines its own policies for handling personal data.  If you are an Authorized User, you are responsible for reviewing such policies, including any privacy policies, of the applicable Provider.  If you have questions regarding how a Provider processes your personal data or if you wish to submit a data rights request, as applicable under relevant data protection law, please contact the applicable Provider.  Please note that if you submit any such request to us, we will forward it to the applicable Provider.

3. CHANGES TO THIS PRIVACY NOTICE

HonestFlow reserves the right to update or modify this Privacy Notice at any time.  Except for material changes as described below in this Section, all updates and modifications to this Privacy Notice will be effective from the day they are posted online at HonestFlow.com/privacy-agents.  If we make any material changes to this Privacy Notice, we will provide you with reasonable notice prior to such change taking effect by sending a notification to the email address we have on file for you, and may also post a prominent notice of any such changes on our Business Sites.  Material changes to this Privacy Notice will become effective on the date set forth in the notice, and all other changes will become effective from the day they are posted on our Business Sites.  It is your responsibility to regularly visit and review this Privacy Notice.

If you do not agree to any updates or modifications to the Privacy Notice, cease all use of the Lead Services.  Continued use of the Lead Services by you, or, if you are a Provider, any of your Authorized Users, after the applicable effective date of the revised Privacy Notice, signifies to us that you acknowledge and agree to be bound by the revised Privacy Notice.

4. INFORMATION WE COLLECT

How and what personal information we collect in connection with the use of the Lead Services depends on how and why you use the Lead Services.  For instance, the information that you provide when you visit and/or browse the Business Sites or sign up for our marketing communications is more limited than the information you provide if you use our Lead Services as a Provider or Authorized User.

When you access and use our Lead Services, we collect information directly from you as explained in the Section Information Provided Directly by Users, and in certain circumstances, we automatically collect certain information when you access and/or use the Lead Services as explained Information Collected Automatically.  In addition, the instances where we may receive information from third parties is as described here.

Please be advised that we may ask you to update your information from time to time in order to keep it accurate.  Additionally, if you provide personal information to us about someone else, you must ensure that you are entitled to disclose that information to us and, without us having to take any further steps required by data protection laws, that we may collect, use and disclose such information for the purposes described in this Privacy Notice. For example, you should ensure the individual concerned is aware of the terms detailed in this Privacy Notice and that they have not objected or do not object to you sharing their information with us.

a. Information Provided Directly by Users of our Lead Services

- Account Data:  If you register an account for the Lead Services, we will collect contact and other information such as your name (first and last), email address, phone number, business address, and the name of your employer, your occupation and/or profession.

- Login Credentials:  When you login to your account as a registered user, we collect your username, password and/or other login credentials.

- Payment Transaction Information:  If you purchase access to the Lead Services, we may collect certain limited payment information (for example, partial payment or credit card information, and limited transaction information like the date of purchase).  HonestFlow does not directly collect or store any payment information.  Payment information (including the limited information we receive described here), is collected and processed by our third-party payment processors.  For more information, please see the Payment Processors section of this Privacy Notice.

- Contact Information:  Contact information, such as first and last names, and/or email address collected through our sign-up forms to receive our marketing communications and/or newsletters.

- Surveys, Feedback, Communications & Support:  We collect the information, data, content, documents and/or materials you provide to us when you fill out forms, answer surveys, or contact us (such as your feedback, requests for support, or other communications with us).

b. Information Collected Automatically

We and/or our authorized third-party Service Providers or agents automatically collect technical and/or analytics information, using the cookies and similar technologies as described in Section 10 below, about how users use and/or interact with the Lead Services (collectively, “Usage Information”), which may include (but is not necessarily limited to) identifiers, commercial information, and internet activity information such as IP address (or proxy server), information about the device and/or platform (e.g., iOS or Android) used by you to interact with and/or access the Lead Services, mobile device number, device and application information, device event information, crash data, and log files and data, identification numbers and features, your approximate location (as determined through your IP address), browser type, plug-ins, integrations, Internet service provider or mobile carrier, the pages and files viewed, website and webpage interactions including searches and other actions you take, websites, apps and/or ads that referred you to the website, advertising and language preferences, operating system type and version, system configuration information, date and time stamps associated with your usage, and frequency of visits to the websites, and details of which of our products and product versions you are using.

c. Information Collected from Third Parties (Not You) or Sources Outside the Lead Services

In some instances, we process personal information from third parties, which consists of:

- Providers:  We may receive personal data about you from the Provider, which we use to provide the Lead Services to the Provider pursuant to, and perform our obligations under, the Lead Services Agreement.

- Service Providers: We receive information from our Service Providers (as defined in Section 9.a below), such as our cloud or hosting service providers, customer support providers, and our analytics providers.

- Marketing and Advertising Providers: We may receive information from entities who perform advertising and/or marketing functions for HonestFlow, which may include, but is not necessarily limited to, business contact information included in potential customer and/or lead lists we may receive.

- Third Party Services:  If you use any products, services, software, content, and/or features (including, without limitation, data products and services) that HonestFlow has integrated with, and/or has otherwise made accessible for use through, the Lead Services (collectively, “Third Party Services”), we may receive information about you from the providers of such Third Party Services related to your use thereof in connection with our Lead Services.  Information that is shared with us through Third Party Services is used by us as described in this Privacy Notice.  Note that the Third Party Services you choose to interact with and/or use are not our Service Providers. The applicable providers of Third Party Services may use personal information differently than we do and we do not control their use of your information.  Please review the privacy notices for the Third Party Services that you use in connection with the Lead Services.

- Other Third Parties & Sources:  We may receive or collect data and information from publicly available sources, such as online business profiles, social media accounts, and/or webpages, which may include your name, or a publicly available business address, and related activity on such profiles, social media accounts, and/or webpages.

- Social Media Interactions:  If you interact with us through any of our pages or feeds on any social media sites or platforms, such as through LinkedIn and/or any Meta platforms, we may collect information such as your name, username, demographic information, contact information such as email address, location, interests, and publicly posted data such as your social media activity.

d. Aggregated Data

With the personal information and other data (including, Usage Information) collected by us, we process “Aggregated Data”, such as statistical or demographic data.  Aggregated Data may be derived from personal information, but is not considered personal information under the law if it does not directly or indirectly reveal your identity.  If we combine or connect Aggregated Data with your personal information so that it can directly or indirectly identify you, we treat the combined data as personal information, which will be processed in accordance with this Privacy Notice.

5. PAYMENT PROCESSORS

HonestFlow does not directly collect or store your payment information. We use third-party, PCI-compliant payment processors to collect and process payments on our behalf. Our payment processors may provide us with limited information to confirm the transaction. Information collected by these third-party payment processors is governed by the applicable third-party payment processor’s privacy policy. You should review the applicable privacy policy prior to submitting any information to the applicable third-party payment processors.

6. CHILDREN’S PRIVACY

HonestFlow does not target the Lead Services to persons under the age of 18, nor does HonestFlow knowingly collect personal information of persons under the age of 13.  Therefore, we ask you not to provide us with personal information of persons under the age of 13.  If we learn that personal information of persons under the age of 13 has been collected on or through the Lead Services, then we may deactivate the account or otherwise terminate access to the Lead Services and/or make the user content inaccessible.

7. SENSITIVE DATA

HonestFlow does not require the provisions of any sensitive data relating to the race or ethnicity, religious or philosophical beliefs, sex life, sexual orientation, political opinions, trade union membership, health and genetics, or biometric data of any individual to use the Lead Services.

8. HONESTFLOW’S PURPOSES FOR COLLECTING AND USING PERSONAL INFORMATION

Depending on how you use the Lead Services, we use your personal information in the following instances:

- To host and provide the Business Sites;

- To perform and provide the Lead Services to Providers and their Authorized Users, and to other Visitors to the Business Sites;

- To enable Third Party Services that you connect or use in connection with the Lead Services;

- To personalize our services, such as remembering your information so that you will not have to re-enter it during your visit or the next time you visit the Service;

- To maintain, enable, upgrade, update, improve, and/or enhance the Lead Services, and develop new features, functionality, and/or other products and services;

- To conduct analytics related to the Lead Services, such as to understand how they are being used and where improvements may be needed;

- Provide customized advertisements, content, and information. Where required under applicable law, we will only provide you with tailored content with your opt-in consent;

- Deliver direct marketing communications to you regarding our products and services of that we may think are of interest to you;

- Respond to your queries and requests, or otherwise communicate directly with you;

- Detect any fraudulent or illegal activity against you, our other customers and users, and/or HonestFlow;

- For our business transfers;

- To keep you updated about changes to policies related to the Lead Services (including this Privacy Notice);

- To comply with a legal or regulatory obligation (for example, keeping records of our sales for tax compliance)
- Provide information to regulatory bodies when legally required, and only as outlined below in Legal Obligations and Security.

9. SHARING PERSONAL INFORMATION

Aside from disclosing your information to those of our employees, contractors and agents who are authorized to process the information in order to provide the Lead Services and who are committed to confidentiality, we disclose your personal information only to the third parties as described below.

A. Our Service Providers

We share personal information with third parties that provide services to us that help us in the operation, provision, administration and management of the Lead Services (“Service Providers”), and to otherwise operate our business.  Depending on how you use the Lead Services, the following categories of third parties collect data on our behalf or receive personal information:

- Hosting providers,

- Analytics providers,

- Payment processing providers;

- Providers of business operations and communication tools,

- Other third-party service providers that help us provide features and functions for the Lead Services (e.g., customer support providers), and

- Professional service providers, such as auditors, lawyers, consultants, accountants and insurers.

B. Disclosures to Insurance Providers

We will share and disclose personal data of Authorized Users with the applicable Provider and otherwise in accordance with the Provider’s instructions, including any applicable terms in the Lead Services Agreement.

If you are an Authorized User of a Provider, please contact the relevant Provider to learn more about how your information may be used, shared and/or disclosed by us on their behalf.

C. Third Party Services

When you interact with and/or use Third Party Services, certain information may be exchanged between HonestFlow and the provider of the applicable Third Party Service.  Note that the Third Party Services you choose to interact with and/or use are not our service providers. The applicable providers of Third Party Services may use personal information differently than we do and we do not control their use of your information.  Please review the privacy notices for the Third Party Services that you use in connection with the Lead Services.

D. Business Transfers

We may also share data with third parties to whom we choose to sell, transfer, or merge parts of our business or our assets. Alternatively, we may seek to acquire other businesses or merge with them. If a change happens to our business, then the new owners may use your personal information in the same way as set out in this Privacy Notice.

E. Affiliates and Subsidiaries

Personal information that we collect about you may be shared with the employees, contractors, and agents of HonestFlow and our affiliated and subsidiary entities (“Affiliates”) who are involved in providing or improving the Lead Services that we offer to you. We obligate the employees, contractors and agents of HonestFlow and our Affiliates to ensure the security and confidentiality of your personal information and to act on that personal information only in a manner consistent with this Privacy Notice.

F. Legal Obligations and Security

Regulatory and Government Bodies – Compliance with Law

We may disclose your information to regulatory agencies and official government bodies, as required to comply with or satisfy any laws, rules, or regulations applicable to HonestFlow.

Required Disclosures – Responding to Legal Orders

If we are required to disclose personal information by law, such as pursuant to a subpoena, warrant or other judicial or administrative order, our policy is to respond to requests that are properly issued by law enforcement within the United States. Under such circumstances, unless prohibited by applicable law, we will attempt to provide you with prior notice that a request for your personal information has been made in order to give you an opportunity to object to the disclosure.  We will attempt to provide this notice by email, if you have given us an email address. However, government requests may include a court-granted non-disclosure order, which prohibits us from giving notice to the affected individual.  In cases where we receive a non-disclosure order, we will notify you when it has expired or once we are authorized to do so.

If you are an Authorized User, please consult with the relevant Provider to learn more about how they respond to requests for information pursuant to legal orders.

Exigent Circumstances & Enforcement/Protection of Our Rights

Your information, including the contents of all of your online communications in our Lead Services and between you and HonestFlow may be accessed and monitored as needed to provide our Service and may be disclosed to law enforcement, regulatory agencies, official government bodies, and other third parties, as we, in our sole discretion, believe necessary or appropriate:

- To enforce our rights under the Lead Services Agreement and any other applicable terms of use, terms of service, customer agreements and/or any other terms and conditions applicable to the use of the Lead Services;

- In connection with an investigation of fraud, intellectual property infringement, piracy or other unlawful activity or activity that may expose us or our affiliates, partners and/or agents to legal liability; and/or

- If we receive information that provides us with a good faith belief that there is an exigent emergency involving the danger of death or serious physical injury to a person.

G. With Your Consent

There may be situations where you are asked to consent to share personal information with third parties for additional reasons not included in this Privacy Notice.  In such event, we will only share such personal information if we have received your prior consent and only for the purposes as listed in the request to share such information.

Except where otherwise required by applicable law, your consent for the use and/or disclosure of your personal information in specific situations will continue in full force and effect until you revoke that consent, which you may do by contacting us via email at [email protected].  For the avoidance of doubt, the revocation of consent shall only apply to the use the information after our receipt and processing of such request (which we shall process promptly and in accordance with applicable law), and not to any use or disclosure prior to such revocation in compliance with your consent.

10. COOKIES & RELATED TECHNOLOGIES; TARGETED ADVERTISING

Cookies

We or authorized third parties may collect certain information by automated means using cookies (which are small data files that are placed on your computer or mobile device that are set by us or by third parties when you visit a website or other online service) and a range of technologies similar in function to the traditional cookies described above, such as pixel tags, also called web beacons or single-pixel tags/gifs, local or web storage, and embedded scripts (all such technologies described above, collectively, “Cookies”).  Cookies collect information such as Usage Information, and are designed to that gather information about your interaction with a website or email, such as, the pages visited, links you clicked and/or whether or not an email was opened.  HonestFlow uses Cookies for purposes such as to provide content or features on the Lead Services, to help us remember you and your preferences, and improve your user experience by making the Lead Services more efficient and relevant to you. You can find more information about Cookies at: www.allaboutcookies.org.

Targeted Advertising

We may use third party advertising and analytics partners who use Cookies to gather analytics and information for targeted advertising of HonestFlow’s products and services.  These Cookies are designed to gather information from users of the Lead Services and used to deliver advertisements more relevant to our users and their interests. They are also used to limit the number of times you see an advertisement as well as help measure the effectiveness of our advertising campaigns. They are usually placed by advertising networks with the website operator’s permission. They remember that you have visited a website and/or that you have interacted with an advertisement and this information may be shared with other organizations such as advertisers.  HonestFlow may use these Cookies for purposes of:

Advertising HonestFlow and our Lead Services across the Internet;

Tracking the performance and efficacy of our advertisement campaigns;

Keeping track of how many visitors click on the advertisement;

Keeping track of the advertisements you have already been shown so that you are not always shown the same ones; and

Tailoring our marketing to better suit your needs and only display ads that are relevant to you.

For information regarding how you can manage your preferences with respect to these technologies, please see Cookies & Targeted Advertising below.

Third Party Analytics Providers, Tools and Advertising Partners

We may use certain third party analytics tools and advertising partners to help us gather certain Usage Information and to help us place advertisements as described above.  For example, we use Google Analytics on our Websites.  You can find more information regarding Google’s privacy practices here:  www.google.com/policies/privacy/partners/.  For a complete list of the current third party analytics and/or advertising HonestFlow uses please contact us at [[email protected]].

Managing Preferences:  For information regarding how you can manage your preferences with respect to these technologies, please see Cookies & Targeted Advertising below.

11. MARKETING COMMUNICATIONS

If you have not otherwise opted out (or with your consent where required by applicable law), or if you have opted in to receive direct marketing emails from us, we may use your personal information to send you marketing information about the HonestFlow business, our Lead Services, new product releases, new feature releases of the Services, and/or other products and services, that we think may interest you.  We carry out direct marketing by email.

If you no longer wish to receive marketing communications, you have the right at any time to opt out as further explained in Your Choices.

12. YOUR CHOICES

a. Accessing, Updating and Correcting Personal information

If you would like to correct or update certain personal information (such as your contact information), please contact us via email at [[email protected]], and we will use reasonable efforts to correct and/or update such information.

Please note that if you are an Authorized User, any request to correct, access, update or delete your personal data will need to be directed to the applicable Provider.

b. Direct Marketing

You may manage the receipt of marketing and non-transactional communications sent by email by clicking on the “unsubscribe” link located on the bottom of any of our marketing e-mails. To opt-out of marketing communications sent by physical mail, please contact us via email at [[email protected]] with your request.

We will use commercially reasonable efforts to process such requests in a timely manner.  Note that you cannot opt out of receiving transactional e-mails or communications related to the Lead Services (e.g., requests for support), which, for clarification, are not marketing communications.

c. Cookies & Targeted Advertising

Where required by applicable law, we will obtain your consent prior to setting Cookies (except for strictly necessary Cookies).  Most web and mobile device browsers automatically accept Cookies, but if you prefer, you can change your browser to prevent that or to notify you each time a Cookie is set.

To learn more about Cookies, including how to manage Cookies and opt-out of Cookies being placed on your device, please visit http://www.allaboutcookies.org/manage-cookies/index.html.

While tracking is widespread over the internet, there are things you can do to minimize these activities with respect to browser Cookies.

Browser Settings & Do Not Track Preferences

- Browser Settings:  You may alter the Cookie settings in your browser settings at any time. Some browser providers offer comprehensive help relating to cookie management in their products. You may elect to accept all or only certain Cookies. If you disable Cookies in your browser settings, however, you may find that certain portions or functionality of the Lead Services will not work.

- Do Not Track Preferences:  You may turn on the Do Not Track (“DNT”) setting in your browser, which will enable your browser to send a special signal to websites, analytics companies, plug in providers, and other web services you encounter while browsing to stop tracking your activity. To turn on your DNT signal, please visit  https://allaboutdnt.com/#adjust-settings.  Please note that not all companies will respond to or honor DNT signals and we do not process or respond to web browsers' "do not track" signals or other similar transmissions that indicate a request to disable online tracking of users who use the Lead Services.

Google Analytics Opt-Out:   You can download the Google Analytics opt-out browser add-on at: https://tools.google.com/dlpage/gaoptout/.

Web Beacons and Pixels:  You may avoid web beacons and pixels by disabling the functionality that allows remote images to load in your email account and refraining from clicking on any links in email messages.

Advertiser Specific Opt-Outs - Targeting/Advertising Cookies

Google:  https://www.google.com/settings/ads/anonymous

Facebook:  https://www.facebook.com/settings/?tab=ads

LinkedIn Ads:  https://www.linkedin.com/help/linkedin/answer/62931

Bing:  https://advertise.bingads.microsoft.com/en-us/resources/policies/personalized-ads

DAA: You may use the Digital Advertising Alliance (“DAA”) consumer choice tools to apply opt-outs to interest-based advertising and other applicable uses of web-viewing data by DAA participating companies by visiting http://optout.aboutads.info/?c=2&lang=EN#completed.

NAI: You may also manage opt-outs through the Network Advertising Initiative (“NAI”) opt-out tool at http://optout.networkadvertising.org/?c=1

13. THIRD PARTY SOCIAL MEDIA PLUG-INS

On or through the Lead Services we may provide third-party “share” buttons which enable you to share certain content via social media sites (e.g., Facebook, Twitter, Instagram, YouTube, and LinkedIn).  These “share” buttons may function as web beacons when you interact with the button.  Please note that when you “share” using the buttons, you may send to the third party provider of the “share” button the information that you are viewing.  If you are not logged into your account with the third party provider, then the third party may not know your identity.  If you are logged in to your account with the third party, then the third party may be able to link information or actions about your interactions with the Lead Services to your account with the applicable third party provider. Please refer to each third party’s privacy policies to learn more about its data practices.

14. EXTERNAL WEBSITES

On or through the Lead Services we may provide or make available, for informational purposes only, links to other websites or resources with which we do not have a contractual relationship and over which we do not have control (“External Websites”).  Such links do not constitute an endorsement by HonestFlow of those External Websites, and are provided to you only as a convenience. By clicking on links to External Websites, the operators of the External Websites may collect your personal information. We are not responsible for the content or data collection practices of those External Websites, and your use of External Websites is subject to their respective terms of use and privacy policies.

15. DATA RETENTION

Personal information is processed for the period necessary to fulfill the purposes for which it is collected, to comply with legal and regulatory obligations and for the duration of any period necessary to establish, exercise or defend any legal rights.

In order to determine the most appropriate retention periods for your personal information, we consider the amount, nature and sensitivity of your information, the reasons for which we collect and process your personal information, and applicable legal requirements.

In some instances, we may choose to anonymize personal information instead of deleting it. When we choose to anonymize, we make sure that there is no way that the personal information can be linked back to any specific individual.

If you are an Authorized User, contact the relevant Provider if you wish to request the removal of personal data under their control.

16. DATA SECURITY AND PROTECTION

We have put in place reasonable and appropriate security measures designed to prevent your personal information from being accidentally lost, used or accessed in an unauthorized way, altered or disclosed. For example, we use encryption, secure socket layer (SSL), firewalls, and password protection. In addition, we limit access to personal information to those employees, agents, contractors and the third parties who have a business need-to-know.

We also have procedures in place to deal with any suspected data security breach.  However, no method of transmission over the Internet, or method of electronic storage, is 100% secure, and while we take reasonable steps to provide secure services, by using the Lead Services, you understand and assume the risks associated with your activities on the internet.

Additionally, we cannot control the actions of other users with whom you may choose to share your information. Further, even after information posted on the Lead Services is removed, caching and archiving services may have saved that information, and other users or third parties may have copied or stored the information available on the Lead Services. To the fullest extent permitted under applicable law, we cannot and do not guarantee that information you post on or transmit to the Lead Services will not be viewed by unauthorized persons.

17. CALIFORNIA PRIVACY RIGHTS - SHINE THE LIGHT

California residents who have provided us with personal information have the right (under California Civil Code§ 1798.83) to request and obtain from us, once each year, the details of any personal information we shared with a third party for that third party’s direct marketing purposes during the prior calendar year. The details would include the categories of personal information and the names and addresses of the third party with which it was shared.

To request information about this sharing, you may submit a request via email to [[email protected]] with "Your California Privacy Rights" in the subject line, along with your first and last name, and complete mailing address (including street address, city, state, and zip code).

18. NOTICE TO NEVADA RESIDENTS

Under Nevada law, Nevada “consumers” (individuals who are seeking or acquiring goods/services for personal, family, or household purposes) may opt out of the sale of covered personal information.

HonestFlow does not currently sell covered information of Nevada consumers as defined under applicable Nevada law.

You may submit an opt-out request by sending your request to [[email protected]], along with your full name, complete mailing address (including street address, city, state, and zip code), email address (so that we can contact you, if needed, in connection with the request) and confirmation that you are a Nevada resident.

19. NOTICE TO USERS OUTSIDE THE UNITED STATES

HonestFlow is based in the United States. The personal information that we collect is sent to and stored on servers located in the United States.  Such storage is necessary in order to process the information and provide our Lead Services. If you are located outside of the United States, please be aware that your information, including your personal data, may be transferred to, processed, maintained, and used on computers, servers, and systems located outside of your state, province, country, or other governmental jurisdiction where the privacy laws may not be as protective as those in your jurisdiction. If you are located outside the United States and choose to use the Lead Services, you hereby irrevocably and unconditionally consent to such transfer, processing, and use in the United States and elsewhere.

20. HOW TO CONTACT US

If you have any questions about this Privacy Notice, including any requests to exercise your legal rights, please contact us as follows:

By email at: [[email protected]]; Subject Line: Privacy Request

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HonestFlow connects insurance shoppers with verified agents and multiple insurance companies across the United States. HonestFlow is not an insurance company, agency, agent, or broker and does not offer insurance or brokerage services or advice. All content is for informational purposes and personal use only. Consult a licensed insurance agent before purchasing or adjusting any policy. HonestFlow is not responsible for interactions or transactions between users and third-party providers. All trademarks and copyrights are the property of their respective owners.

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