Privacy Policy

This Privacy Policy (also referred to as “Policy”) applies to Asksmartly.com (also referred to as “Company,” “Site,” “we,” and “our”). It notifies You (“You”), as the site user, about our services, how we collect, use, and share your information. By using this Site and by sharing your personal information on this Site, you acknowledge that you have read, understood, and agree to this Policy and other policies on this Site. Please read this Policy in full before using this Site. Use of this Site also constitutes acknowledgement that You are a legal resident of the United States, and are of proper legal age to use this Site’s services. Changes may be made to this Policy at any time.

Personal Information

By using this Site and its services, You are allowing the Site to collect “Personally Identifiable Information” and “Non-Personally Identifiable Information” from You. These types of information are described below:

Personally Identifiable Information (“PII”)

Use of this Site requires You to provide certain PII. Your unique data allows for communication and identification. PII is any information that can be used to identify, contact, or locate an individual. This information may include, but is not limited to: your name, date of birth, telephone number, physical address, Social Security Number, driver’s license number and state, vehicle information, driving record, email address, employment information, active military information, information about home ownership, citizenship status, frequency and amount of paychecks, and your banking information.

Non-Personally Identifiable Information (“NPII”)

Use of this Site provides us with anonymous NPII, which is data not associated with any individual. This may include, but is not limited to: Internet Protocol address, Internet Service Provider, operating system type, and browser type. This information may be obtained directly through the use of “cookies,” which is data sent to your computer when visiting a website. The disabling of cookies may prevent access to certain areas of this Site. This Company has no control over cookie technology. This information may be summarized and shared with third parties for the analysis of trends and statistics and is in no way linked to your PII.

How Information is Shared with Third Parties

Your use of this Site and sharing of your information authorizes this Company to share your information with third parties and affiliates, including our network of third party insurance providers and insurance brokers. These third parties may use your information in one of several ways. It may be used to offer you a quote for insurance, offer related business services, or provide marketing information. Your information may also be shared with other third party list managers and marketers. These parties each have their own policies for collecting, using, and sharing your information. Once your information is shared, this Site is no longer responsible for the handling of your information these such third parties.

In addition, this Site may allow advertisements from third party insurance providers and advertising partners. These companies may employ their own technologies, including cookies, to track and collect information regarding their advertisements.

The Company reserves the right to share the information You provide in response to a legal process, to prevent or remedy fraud, in the instance that this Company is sold, acquired, or undergoes bankruptcy, to make improvements to this Site, in the event that You violate our policies, or when and where this Company deems it to be necessary to protect this Company’s rights and its assets.

How Information is Used

The information that You provide allows us to try to connect You with a third party insurance provider or insurance broker in our network with whom we have a business relationship. This information also allows us to review or verify your request form, communicate with You by mail, email, telephone, or mobile devices regarding our services (either our own or those of third parties), in the enforcement of this Policy and our policies, or to provide any other service as described on this Site. Your Social Security Number and bank information may also be used to verify your identity.

How Information is Secured

This Site uses a number of security measures to protect your personal information from unauthorized retrieval, use, disclosure or destruction. This includes both digital and physical information. This Site uses Secure Socket Layer (SSL) encryption, stores personal information on secure and reputable servers, and utilizes password protection when accessing consumer information.

Although we take precautions to protect your information, absolute protection in the collection, storage, or transmission of data cannot be guaranteed. Accessing this Site is done at your own risk.

If a security breach occurs which affects your PII, You will be notified along with any agencies as dictated by law. Notification may take place in the form of an email and may be delayed by law enforcement in order to conduct an investigation and enact further security measures.

Links to Third Party Sites

This Site may have links to third party sites that this Company does not control and whose policies differ from those of this Company. This Site is not responsible for the practices, content, or policies of third party sites. By accessing third party sites, You are responsible for the information You provide as well as the content You access. These sites may use your personal information differently than our use of the information You submit to this Site. Please read each site’s policies and terms & conditions.

Push Notifications

If you provide Your consent, we may send push notifications to your web browser or mobile device. Push notifications may include marketing messages from us or from third-parties. You can alter your push notification settings at any time by changing the notification settings on your mobile device or browser.

Opt-In/Opt-Out of Communication

By submitting your information on this Site, you consent to receive communications from this Site, our affiliate(s), and/or an insurance provider or insurance broker within our network. You may choose to opt-out of sharing your PII for certain purposes when it is requested on this Site. To limit third party use of your information, please contact the third party directly concerning your information sharing preferences. When completing this Site’s form, indicate your preference on this Site or by following a link provided in our email communications. By using this Site and providing your information on our form, You provide your express consent to receive communications from this Site, our affiliate(s) and/or third parties about this service, an insurance product and related products to You via e-mail, SMS/text message, by telephone, and auto-dialed or pre-recorded messages. Please note, your provider’s standard message and data rates may apply to any SMS message, you may receive recurring messages, and your consent is not required as a condition of using this Site’s services. You may opt-out and remove your SMS information by following the opt-out instructions provided in a SMS/text message (i.e. sending "STOP” to stop and “HELP” for help). You may remove your information from our database at any time. If You do not wish to receive future communications or if You no longer wish to receive our service, click here.

Please be aware that your participation in certain activities provided by our Site may be limited if PII is not submitted. E-mail addresses and phone numbers received in an opt-out request will be added to our company’s Do-Not-Contact registry within ten (10) days after receipt. Unless You unsubscribe or opt-out, this Site assumes You consent to receive communications from it, its affiliate(s), and third-parties. It is possible that a third-party or affiliate may have purchased your contact information and thus You may continue to receive contacts from those third-parties. This Site is not responsible for stopping all unwanted contact from sources beyond our immediate control. Please contact those third-parties directly to inform them of your contact preferences.

This Site abides by CAN-SPAM and TCPA regarding communications.

Minors

This Site does not knowingly collect information from minors under the age of 18, and does not knowingly use such information for any purpose, including marketing purposes. If you are a parent/guardian who knows of a minor who has provided our Site with personally identifying information, please contact us here, so that we can delete such information from our database.

Some states vary in the minimum age of consent required to obtain insurance or submit information to request an insurance quote. This Site and its services is not intended for those under the age of majority in any given state. Please do not use this Site or its services if You are younger than the age of majority required to use this service and/or obtain insurance.

We hope this information satisfies any concerns you might have. If you have any questions, please contact us.

Terms & Conditions

Use of this Site constitutes acknowledgement that You have read, understand, and agree to the owner of this website’s Terms & Conditions and Privacy Policy. These Terms & Conditions apply to Asksmartly.com (also referred to as “Company” or “Site”). It notifies you (also “You” and/ or “Your”) about the terms and conditions of our services. Please read these Terms & Conditions in full before using this Site. If you do not agree with the Company’s Terms & Conditions or Privacy Policy, do not continue to use this Site or seek its services.

Services

Asksmartly.com is NOT a licensed insurance agency or broker and does not provide insurance quotes. The Company seeks to connect You with prospective insurance providers that may be able to offer You insurance or similar products and services. The Site doesn’t guarantee that You will be offered insurance. The information You provide on your request form may be shared with more than one insurance provider or insurance broker in an attempt to find an insurance provider who may be able to offer you insurance.

Your use of the Company’s services includes providing relevant and necessary information which may include, but is not limited to: first and last name, date of birth, mobile telephone number, physical address, Social Security number, driver’s license number and state, vehicle information, email address, employment information, active military information, information about home ownership, frequency and amount of paychecks, and information about your bank account. This information will be used to try to connect You with an insurance carrier or insurance broker. Submitting your information to this Site means You allow the Company, third party insurance providers and marketers to contact You about related products and services.

Once your information is submitted, it will be reviewed by third party insurance providers who will then determine if You meet their requirements for their products and services. Insurance providers may use your personal information to verify your identity and perform a credit check through a credit bureau. Submission of your information constitutes your agreement for your information to be used in these ways. If you are connected with an insurance provider, You will be redirected to a new page with the providers information or redirected to a third party site to continue with the process.

This Company doesn’t guarantee that you will be eligible for all products and services. Insurance providers may determine eligibility in accordance with their underwriting guidelines and other applicable laws in their state. This Company doesn’t guarantee the product, price, rates, fees, availability or any other terms of a provider’s insurance products. The Company strongly encourages You to shop around for insurance products and related services that best suit your needs. This Company is not involved with any agreement you may enter into with an insurance carrier. Your interactions with your insurance provider are governed by their privacy policy, terms, conditions, and other policies. Please reach out to your insurance provider directly with any questions and concerns.

Telephone Consumer Protection Act Compliance

By submitting your information to this Site, You are providing your express written consent under the Telephone Consumer Protection Act to receive telemarketing calls, text messages, SMS messages, and other communications as governed by TCPA, from this Company, insurance providers, insurance brokers and marketers. Please see the “Opt-In/Opt-Out of Communication” section of this Site’s Privacy Policy for more information concerning TCPA.

Authorized Use

The Company authorizes You to use this Site for personal and non-commercial use only, as permitted by law. The Company strictly prohibits all other uses, including but not limited to the duplication, copy, reproduction, sale, resale, use, access, or additional exploitation of any material from this Site for any commercial purposes.

Intellectual Property Rights

The content of this Site is protected by applicable copyright laws in the United States and other countries. As such, use of this Site and this Company’s services confers no intellectual property rights on You. Content of this Site cannot be used without the written permission of the Company. All logos, trademarks, and service marks (referred to collectively as “Trademarks”) that are displayed on this Site are Trademarks of the Company, both registered and unregistered.

Disclaimer of Warranties

ALL INFORMATION, CONTENT, PRODUCTS, AND SERVICES FOUND ON THIS SITE ARE OFFERED “AS IS” AND YOU ACCESS THEM AT YOUR OWN RISK. THE COMPANY DISCLAIMS ANY WARRANTY, EITHER IMPLIED OR DIRECTLY STATED REGARDING THIS SITE INCLUDING, BUT NOT LIMITED TO INFORMATION, CONTENT, PRODUCTS, AND SERVICES. THE COMPANY PROVIDES NO WARRANTY CONCERNING THE RESULTS AND EFFECTIVENESS OF THIS SITE OR ITS INFORMATION, CONTENT, PRODUCTS, AND SERVICES. USE OF THIS SITE IS AT YOUR OWN RISK. THIS COMPANY DOES NOT GUARANTEE, WARRANT, OR REPRESENT, THAT ANY OF ITS SERVICES WILL MEET YOUR REQUIREMENTS. THE COMPANY MAKES NO GUARANTEES THAT SERVICES WILL BE TIMELY, UNINTERRUPTED, SECURE, OR ERROR-FREE. NO GUARANTEES ARE MADE REGARDING FUNCTIONALITY OR DEFECTS IN THE OPERATION OF SERVICES OR RELATED SOFTWARE OR THAT ERRORS, IF ANY, WILL BE CORRECTED. THE COMPANY ALSO DOES NOT GUARANTEE, WARRANT, OR REPRESENT, THAT THIRD PARTY SERVICES WILL MEET YOUR REQUIREMENTS, OR BE TIMELY, UNINTERRUPTED, SECURE, OR ERROR-FREE. NO GUARANTEES ARE MADE REGARDING FUNCTIONALITY OR DEFECTS IN THE OPERATION OF THIRD PARTY SERVICES OR RELATED SOFTWARE OR THAT ERRORS WILL BE CORRECTED.

Limitation of Liabilities

THE COMPANY SHALL NOT BE HELD LIABLE OR RESPONSIBLE FOR DIRECT, INDIRECT, EXEMPLARY, CONSEQUENTIAL, INCIDENTAL, PUNITIVE, OR SPECIAL DAMAGE RESULTING FROM YOUR USE AND/OR ACCESS TO THE COMPANY’S SITE OR SERVICES. THE FULL AND TOTAL LIABILITY, AS PERMITTED BY LAW, OF THE COMPANY FOR CLAIMS RESULTING FROM YOUR USE AND/ OR ACCESS TO THE COMPANY’S SITE OR SERVICES – WHETHER IN WARRANTY, CONTRACT, STRICT LIABILITY, TORT, OR OTHERWISE – IS LIMITED TO THE AMOUNT PAID TO THE COMPANY BY THE THIRD PARTY SERVICE PROVIDER WHO PURCHASED YOUR INQUIRY FORM INFORMATION.

Third Party Links

Following third party links found on this Site is done at your own risk. The Company does not recommend or endorse and of the products or services found through third party links located on this Site. Such links are intended for convenience and reference. The Company is not responsible for content, information, software, or any other materials made available on third party sites.

Third Party Dealings

Dealings with third parties which result from use of the Site is done at your own risk. Any transactions between You and any third parties are not the responsibility of the Company. These transactions may include, but are not limited to, products, services, payment, conditions, warranties, or any terms and conditions. This Company will not be held responsible for your dealings with third parties whether or not such dealings result from your use of the Site.

Disputes and Resolution

Any dispute originating from or related to your use of or access to this Site and its services is governed by the state of California. Disputes will be settled exclusively and finally by arbitration according to the commercial arbitration rules of the American Arbitration Association then in effect at the time of the dispute in Los Angeles. The arbitrator shall have the power and authority to award damages connected with a Dispute which may not exceed actual compensatory damages and shall not multiply actual damages or award consequential, exemplary, or punitive damages. In addition, each party irrevocably waives any claim thereto. Any award shall be conclusive and final. An arbitration agreement should not be understood as an agreement to the consolidation or joinder of an arbitration under this agreement with an arbitration of claims or disputes of any non-party, regardless of the nature of the disputes.

The Terms provided here state that all disputes between You and this Company will be resolved through arbitration. As a result, You forego your right to assert or defend your rights or go to court. You also forego the right to be part of or originate a class action suit. Your applicable rights will be decided by neutral arbitrators, not by a court of law, judge, or jury. By using the Company’s Site and services, You agree to these restrictions and conditions. If the arbitration provisions contained here become unenforceable or inapplicable, or in the event of any lawsuit between You and this Company or its Site, You agree that jurisdiction of this and any suit shall rest exclusively in the federal and state courts in California. You also agree that any actions or claim related to use of the Site or the Company’s services must be filed within one (1) year after the said action, cause, or claim, or else be forever barred.

Indemnification

Use of this Site constitutes your agreement to hold the Company blameless against any and all liability, expenses, loss, damages, actions, suits, claims, and proceedings, including, without limitation, reasonable attorneys’ fees and relevant costs, stemming from or related to any cause of action, allegation, claim or involving, without limitation, your use of the Site, or unauthorized or unlawful use of the Site and/or the Company’s services.

Entire Agreement

The entire agreement between You and the Company are contained in these Terms & Conditions.

Modification

The Company retains the right to modify its Terms & Conditions and to add additional terms or conditions at any time without notice to You. All modifications and additions are effective immediately. If You disagree with any modified or additional term(s) or condition(s), please discontinue your use of the Site and its services.

Non-Waiver; Severability

Any failure on behalf of the Company to enforce these Terms and Conditions does not constitute the Company’s right to continue to enforce these Terms and Conditions. In the event that any of the Terms and Conditions are deemed to be illegal, invalid, or unenforceable, such terms and conditions will be nullified and the remaining terms and conditions will remain in full effect.