Here at www.toppetcoverages.com, we take the privacy rights of our users very seriously. We have put in place a privacy compliance structure that enables users to access and use their personal data in order to guarantee this.
Our privacy statement aims to enlighten you about the information we gather, its intended use, and your choices for certain applications of the information. All users of Our Services are subject to Our comprehensive privacy policy, the main elements of which are condensed for your convenience below. Please refer to our California privacy policy if you live in California.
We gather particular data regarding your use of Our Services, including the websites you visit, the content you engage with, and the technical specifications of the system and device you use to access the services. Your phone number may be collected and stored by us for a maximum of three months if you use our "click to call" service.
We gather this data for a number of reasons, such as website upkeep, offering Our Services, enhancing quality, statistical analysis, and payment-related correspondence with our business associates, which includes customers, suppliers, and affiliates.
We won't share your personal information with other parties unless it's required by law or is needed to provide Our Services. We kindly request that people read and comprehend our comprehensive privacy policy in its entirety, since it is legally binding.
Privacy Policy
Last Updated: May 20, 2021
This Privacy Policy aims to be transparent about the data collection practices used by www.toppetcoverages.com ("we", "our", or "us") with regard to our site, its subdomains, products, and services (collectively, "Our Services"). For your convenience, we have arranged this policy with simple titles; they have no further significance.
Please be aware that we retain the right, at our sole discretion and independent of other forces, to amend this privacy statement. In the event that we alter the policy, we will update it on our website and mention the date of the most recent version at the bottom. Your use of the Site, including any downloads or access made after the modifications, indicates your agreement with and understanding of the revised Privacy Policy. In the event that we make major changes, we will provide users the necessary notice at least seven (7) days in advance of the changes taking effect. One way we could do this is by posting a notice on the website. Within seven (7) days of our publishing the notice, the changes will take effect.
1.Terms of Use.
The Terms of Use depend on the Privacy Policy. The words define any words that are not stated in the Privacy Policy.
2.Our Legal Bases of Processing.
Personal information is handled and used in accordance with applicable data protection laws, and it is often processed on the basis of one or more of the following legal justifications:
2.1. Performance of a Contract. You are demanding that we abide by our stated Terms of Use by utilizing Our Services. We may need to handle certain Personal Information, such your IP address, in order to do this.
2.2. Legitimate Interests. To improve user experiences, do analytics, stop fraud, and maintain security for justifiable business needs, Our Services may utilize Personal Information.
2.3. Legal Obligations. Sometimes, in order to comply with legal or regulatory requirements—for example, managing user complaints or fulfilling requests from regulatory bodies—personal data is required.
2.4. Consent. We sometimes may need your express permission in order to access and use your personal data for extra services. These may include posting product evaluations, making a user profile, getting personalized offers, or signing up for newsletters. You may revoke your permission at any time by clicking the link given if we are using it as the legal basis for processing data about you. We will get in touch with you as required after we have verified your request.
3.Information We Process.
We employ a variety of techniques to gather data about your interactions and use when you use Our Services.
3.1. Information You Provide to Us. You may be asked for certain Personal Information in order to enjoy certain features and services on Our Services, such creating a user profile, leaving reviews for goods or services, signing up for newsletters, and getting marketing materials. Your express and voluntary permission will be requested before we disclose this information. As explained below, by accepting our Privacy Policy, you may also allow us to gather certain Personal Information.
Any information that, by itself or in conjunction with other data, may be used to identify a specific person is considered "Personal Information" for the purposes of this privacy policy. Names, phone numbers, email addresses, physical addresses, and other contact information are examples of this. The IP address that your Internet service provider provided to your device may potentially be regarded as Personal Information, depending on the applicable laws and how we utilize the data. Should we get such confidential data, we shall take appropriate care of it and make sure it is secure. It won't be used to identify you, however.
3.1.1. Third-Party Forms and Services: We provide services that include evaluating and setting prices for companies, brands, and other commercial entities that we refer to as "Partners," as well as the goods and services they supply that we refer to as "Products." On occasion, Partners may use an online form that you voluntarily complete with your permission in order to provide you with possibilities, facilities, and products. Your interaction with the appropriate Partner ("Lead") is facilitated by the data you provide in this form.
Click on the relevant Partner symbol or tab to be sent to a Landing Page if you'd want additional details about that Partner or Product, or if you'd like to transact with that Partner. The Partner owns and runs the Landing Page, which may also be accessed through other internet avenues. It is possible that you may be requested to provide some information on the landing page, such as your name, phone number, and email address—collectively, "Landing Page Info."
Kindly be aware that the Partner in charge of your information will directly get it from you and use it in accordance with their own privacy policies and data collecting procedures. It is advisable to consult their privacy policies to comprehend the collection and use of your Personal Information.
3.1.2. Contact Us. We could require your name and email address if you use one of our services to report anything or make a "Contact Us" request using an online form, email, or feedback function. We will use this information, in conjunction with the specifics of your enquiry, to respond to your request and further our legitimate business objectives as delineated in our Privacy Policy's sections 4 and 5.
3.1.3. Blogs, Newsletters, Surveys, and Promotions. A blog forum, reviews, articles on the Services, Partners, Products, and pertinent industry verticals are just a few of the elements that our services provide. Additionally, users may engage in surveys, promotional activities, and newsletter sign-ups. The service provider or other companies that the provider hires to do these tasks may be in charge of these operations. Your name and email address may be required if you choose to engage in any of these activities, such as answering surveys, subscribing to newsletters, or posting comments on blogs. This information will be disclosed to a third party and will be governed by the privacy policies of both the third party and us. You may be certain that the data you provide will only be used for that reason.
3.1.4. User Profile and User Reviews. To provide us additional information about you, we can ask you to evaluate our partners or create a user profile. This will enable us to provide a customized experience.
3.2. Information We Collect from You. The following techniques are used to gather data about how you use and engage with Our Services:
3.2.1. Device Information: We gather device information to ensure smooth delivery and compatibility with language, region, and time zone. This contains information on the kind of device, the operating system and version, the language and version, and user agent information like the kind and version of the browser and the screen resolution.
3.2.2. Interactions and Usage: We gather information on user interactions and use of our Services in order to improve and maintain them. Additionally, our affiliates and partners have access to this data. We collect URLs that users access from the inside as well as the outside, and we keep track of their clicks and views while they are using the Services. In addition, we log the time and date of site visits together with the timing of page views and clicks.
3.2.3. Log Files: We collect information from server log files and employ tracking technologies, including pixel tags, to analyze trends, measure user activity, and evaluate interactions with our services. Internet protocol (IP) addresses that consumers' internet service providers have allocated to their devices are included in this data. For a short period of time and for certain reasons, we gather IP addresses. In order to provide our services to you in a language that is appropriate for you, we first utilize this data to determine your location, including your nation, region, and language. Additionally, we use automatic systems to recognize any IP addresses exhibiting dishonest activity.
3.2.4. Cookies and Similar Technologies. Technologies for anonymous online tracking, such "cookies," "web beacons," and "pixel tags," that are used by us or outside service providers, could be used in our services. A little file called a cookie is downloaded to your computer each time you visit a website. By doing this, the website will be able to identify and recognize your browser the next time you visit, as well as retain your preferences and pertinent data from your transactions with Our Services. If a cookie is given to your browser, you have the option to accept it or reject it completely. Nevertheless, this can prevent you from using certain aspects of the Site or make some of its services malfunction, and it might even limit your access to some features.
An embedded gadget on a website that follows and analyzes user activities, such as accessing and reading emails, is called a pixel tag. It often pairs with cookies.
Please refer to our Cookie Policy for additional information about the precise kinds of cookies used and how we use tracking technologies and cookies on Our Services.
3.3. Information we receive from Third Parties. To maintain seamless operations, our services work with third-party entities including Partners, affiliates, and other organizations. These sources of information include an internal user identity that our system creates for every user and an activity summary that includes clicks, purchases, views, form submissions, and phone calls, among other things.
Certain of our services allow users to access them whenever they want by using a click-to-call system. In certain situations, outside suppliers could make it easier for calls to be tracked, sent, and returned. As a result, we are able to get the caller's phone number for a little time without obtaining any personal data. We only use this information to connect with our Partners efficiently and provide recommendations. But without your express approval, we don't use your information for any other reasons.
4. Consent, Choice, and Modifications.
Providing Personal Information is entirely optional while utilizing Our Services and is not required. You accept our Privacy Policy and its information practices by using our services. Should you disagree, kindly do not use Our Services.
Although using some services could demand certain personal information, the choice to do so is always yours. You have the right to revoke your permission at any moment if you have previously submitted personal information. Please see section 8 below for further information on opting out and revoking your consent.
5.Purposes for the collection of information.
In order to enhance your experience and better serve you, we may need to get personal data from you. This data is known as "your information" and is used for a number of reasons, including enhancing the usability of our services and making it simpler for you to use them. In addition, we use this data to monitor adverts and recommendations, authenticate users, stop fraud, respond to your questions, and confirm that you are authorized to access and use our services. You may be confident that we take the security and privacy of you very seriously.
6.Sharing Your Information with Third Parties.
Personal Information is not disclosed to third parties unless under the following circumstances:
6.1. Data Storage and Security Platforms (“Data Platforms); To store and manage user information, we depend on third-party cloud and storage services, sometimes referred to as "Data Platforms,". This implies that any data the user submits may be shared or sent to third parties anywhere in the world, including the US, for the purpose of data processing or storage. These organizations include, for example, Amazon Web Services, whose privacy statement is available at https://aws.amazon.com/privacy/.In order to comply with relevant data protection legislation, the Data Platforms we employ have strong privacy protection and data security procedures in place. It's important to remember, however, that their privacy rules are the only ones that regulate their activities and policies.
6.2. Social Media Platforms. For marketing and operational reasons, we could provide social networking sites like Facebook and LinkedIn with anonymous information. With your express and voluntary cooperation, these platforms are permitted to independently gather your personal information and merge it with the data we provide. We have no control, knowledge, or responsibility over the privacy policies of the individual social media platforms, so please be aware that any sharing of personal information is subject to them. As detailed in section 9 of our Privacy Notice, residents of California have the option to opt out of data sharing.
6.3. Other Third Parties. Please be aware that third-party organizations who support us in operating our company, such customer support agents and email or phone administration service providers, may have access to the information you provide. These organizations assist us in analyzing user activity and improving our offerings. We make sure that each time these organizations provide their services, they include their own privacy rules. It is a good idea to check these rules if you get direct service offers from third parties. Please be aware that these entities could be found everywhere in the globe, even at the location of their servers.
6.4. Enforcement. We may have to provide third parties access to your personal information in some situations. This may be required to detect and prevent fraud or security issues, investigate possible violations of our Terms of Use, comply with laws, regulations, court cases, or government requests, or protect the rights, property, or welfare of www.toppetcoverages.com, our affiliated businesses, our users, you, and/or the general public.
6.5. Partners and Products. You may use our Online Form to find out more information about a certain service. You may provide your information to a partner or product that fits your requirement by filling out this form. The partner will be able to contact you and provide you the information you need as a result. Please be aware that the information you entered in the online form gives our partners permission to get in touch with you. Each partner is in charge of their own privacy policy, which may vary from ours, and we have no influence over how they interact with you. Moreover, our partners could be located in different parts of the world.
6.6. Merger, Sale or Bankruptcy. The Personal Information and other data that www.toppetcoverages.com and its affiliates have gathered or received may be transferred or assigned if they are purchased by or combined with a third-party company, or if they choose to sell all or a portion of their assets. In these situations, the purchasing organization must guarantee that your rights are upheld in accordance with local legislation and reveal its data practices.
Nonpersonal information may be disclosed to third parties for certain purposes and under some conditions. Third-party organizations may be hired by us to perform features and services on our behalf or for their own purposes. These organizations, which include Tableau and Google Analytics, may gather information by observing user activity on our website, such as keystrokes, scrolling, clicks, and movements.
These third-party technologies may use their own cookies in order to perform their functions, and each works in accordance with its own privacy rules. Please refer to our Cookie Policy for further information about cookies. To learn more about how Google uses cookies, see the link provided. To deactivate Google Analytics, just click the given link.
7.Links to and Interaction with Third-Party Properties.
Links to other websites, materials, or digital assets (collectively referred to as "Third-Party Properties") that are not directly under our control may be found on this website. Websites connected to our partners may be among these Third-Party Properties. The third party will get the data if you decide to click on these links and provide personal information on these Third-Party Properties. Nevertheless, it's conceivable that these third parties and www.toppetcoverages.com and its affiliates have agreements in place for the receipt or sharing of this data and personal information. Please be advised that neither the Third-Party Properties, Products, nor the corresponding data gathering methods of these third parties are within our control. It is highly recommended that you carefully go through the terms and conditions and privacy statement of any Third-Party Property you decide to use or engage with.
8.Choices and Opt-Out.
You are free to decide whether or not to provide us with your personal information in accordance with our privacy policy. You have the right to manage your personal information no matter where you reside. This is relevant in circumstances like:
8.1. Cookies and Tracking Technologies. In your web browser's settings, you have the option to reject or disable cookies from the Site or third-party services; Section 2.1.1 provides further information on this.
8.2. It is advised that you check your Personal Information, update it as needed, or ask for its deletion from our systems if needed. Please refer to this document's Section 2 for further details.
9.Your Rights.
9.1. EU Data Subject Rights. The collection, processing, and management of Personal Information follow the GDPR.
As a user located in the European Union, you have the following choices:
9.2. Canada. Residents of Canada may send an email to [email protected] to obtain information about the sharing of Personal Information to third parties for direct marketing purposes.
9.3. Privacy Notice for California Residents. If you live in California, there are several situations in which your data may be subject to California law. An expansion of our primary privacy policy that may be of interest to you is provided in this section. California residents have special rights regarding their personal information under the California Consumer Privacy Act (CCPA). Residents of California are entitled to the following rights, as long as they fulfill legal requirements:
●Request to Know/Access: We want to make sure you understand everything about the data we have gathered, used, shared, or purchased in the last twelve (12) months. We recommend that you peruse Sections 3.1 (User-provided Information), 3.2 (Service-collected Information), and 3.3 (Third-party-sourced Information) in order to exercise your right to know. Following receipt of your request and identification verification, we will provide you a detailed report on the personal information we have on file.
●Request for Deletion. You have the right to request that your personal information be removed from our databases. This rule does have certain exceptions, however. For example, we may need to retain your information if we need it for legal requirements, security requirements, or debugging. If your identification can be verified and there are no exceptional situations, we will remove your personal information from our databases.
●Request to Opt-Out from Sale of Personal Information:We would want you to know that we do not sell your personal information to other parties for profit. Nonetheless, the California Consumer Protection Act may classify certain cookie usage as such. If you live in California, you have the option to refuse to have your personal data sold to other parties. Finding the "do not sell my personal information" link at the bottom of our webpage and choosing the relevant option will allow you to do this. Please be aware that, notwithstanding your opt-out, you can continue to view advertisements that are geared for a broad audience depending on Our Services.
●No Discrimination: When you exercise your rights, such as equal quality, fair pricing, and access to products and services, it's critical to avoid discrimination of any kind. It is our duty to make sure that disparities in the caliber, cost, rate, or degree of products or services are not implied. But, we can suggest a different price or service arrangement that takes into account the advantages of gathering your personal data.
●Handling Privacy Requests: Within 45 days of receiving a customer question, our aim is to immediately react to it. If it takes longer than expected to process the request, we will notify the person in writing and provide them an approximate time frame—which might take up to 45 days. If a request cannot be verified or if maintaining personal data is necessary for tasks like troubleshooting, detecting security problems, or meeting legal requirements, it may be denied.
●Our California Do Not Track Notice: Users may express their desire about the tracking of their actions on our service or other websites by using the "Do Not Track" (DNT) signal function available on certain web browsers. Regretfully, the DNT signal function offered by our firm is not working at this time. Under some conditions, we could allow third parties—like analytics tool providers—to collect personal data about a particular user's online behavior across different platforms and services, but only insofar as the user is utilizing our services.
10.Information Security.
We at our organization are highly concerned about data security. To safeguard every piece of data that is sent, processed, and kept on our website and computer systems, we have put in place a number of security procedures. We routinely assess our data collecting and handling protocols to make sure they continue to be safe, and our website is secured using SSL. To protect data while it's in transit and at rest, we depend on outside services that adhere to stringent information security standards and certifications. We have also implemented monitoring procedures and access restrictions to govern employee access to data.
But because of the global network, we are unable to provide total protection against unwanted access or other security threats, even with all of these security precautions in place. As a result, we are unable to guarantee that our systems and services will never be compromised by security issues.
11. Children’s Privacy.
Please be aware that only those who are 16 years of age or older are eligible to use our services. We sternly forbid collecting Personal Information from children younger than sixteen. If we inadvertently come into possession of any Personal Information belonging to a minor who is younger than sixteen, we shall act quickly to get such information deleted. Please do not hesitate to contact us at [email protected] if you believe that we may have obtained any such information.
12. Non-US Users.
Your country of origin or place of residence may not be the same as the foreign nation to which we send your personal information. Your personal information may not be as protected in these nations as it is in your own country. For example, there's a chance that your data may be moved to the US. We use contractual protections to guarantee the protection of your information throughout processing when we share it with third-party contractors.
You expressly agree to the use of your information as described in this Privacy Policy, including the transfer of data to other countries like the United States, by using our services and supplying your Personal Information.
13. Commitment.
Wherever they may be found, our services are dedicated to consistently adjusting to the ever-evolving demands and industry best practices for privacy.
14. Contact Us.
Our privacy statement is clear and simple to read. Please feel free to contact us at [email protected] with any questions.Furthermore, citizens in the United Kingdom may file a complaint by visiting this website: https://ico.org.uk/make-a-complaint/ to file a complaint with the Information Commissioner's Office (ICO).