Introduction

This Privacy Policy discloses which information we collect and how we use it, as well as the choices you can make about the way your information is collected and used. We also detail below our security policy, which describes how your personal information is protected both electronically and physically.

Your Consent

By using this Site, you are agreeing to the terms of this Privacy Policy. If you do not agree to this policy, please do not use any portion of our Site.

Personal Information We Collect

We collect and use personal information about you to respond to your request for products and services offered through the Sites. We consider non-public information about you in our possession to be personally identifiable information, even if you cease to be a customer. The personally identifiable information we collect about you may include among other things:

• Identifying information, such as your name, age, address, and phone number
• Information about your transactions, such as your account balances with your creditors, payment histories, account activity, and all other information that may be contained in your credit card statements or other reports relating to your debt, and
• Information we receive from consumer reporting agencies and other sources, such as your credit bureau reports, collection agency reports or other communications, and other information relating to your payment histories, creditworthiness, annual income, or ability to satisfy your obligations

How We Use Your Information

We share personally identifiable information about you, and your financial and credit information as required or permitted by law, with business partners to identify and prescreen you for peripheral programs that we believe may benefit you.

Any of the information we collect from you may be used in one of the following ways:

• To personalize your experience (your information helps us to better respond to your individual needs)
• To be matched with one of our partners who may assist you in debt relief services
• To improve our website (we continually strive to improve our website offerings based on the information and feedback we receive from you)
• To improve customer service (your information helps us to more effectively respond to your customer service requests and support needs)
• To send periodic emails
• The email address you provide may be used to send you information, respond to inquiries, and/or other requests or questions.
• To communicate with you. We may also share the personal information contained in your request form with third parties, which may include debt relief companies, lead aggregators, and other service providers in our network.
• To share aggregated information (i.e., information about you and other users collectively, but not specifically identifiable to you) and other non-personal, de-identified, or anonymous information we collect, with third parties to optimize their ability to reach their target markets.
• To share your personal information to comply with applicable laws or respond to lawful legal process from law enforcement and government agencies.

Lastly, we (and/or our service providers) collect information about your computer and your visits to our website, such as your IP address, geographical location, browser type, referral source, length of visit, and page views through the use of log files. We (and/or our service providers) use this aggregated information in the administration of our website to improve its usability and to evaluate the success of particular marketing/advertising campaigns, search engine optimization strategies, and other marketing activities. We (and/or our service providers) use non-identifying and aggregated information to help optimize our website based on the needs of our users.  Additionally, third parties may collect certain similar information about your computer and other pages you may visit when you visit our website, as discussed further below. 

We will retain your information for as long as needed to provide you services. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

In addition, we might receive information about you from other online or offline sources and may combine that information with the information you have provided.

Opting Out of Further Communication.

While we aim to make it as easy as possible for you to talk directly with an agent, we will honor your request not to be contacted further. You can easily opt-out of further communications from us by requesting to be placed on our Do Not Call list, by replying “STOP” to our text messages, by sending an email to [email protected], or by unsubscribing from our email list.

If you do not want your Nonpublic Personal Information disclosed to affiliated or nonaffiliated third parties, you may “opt out” of those disclosures, meaning that you may tell us not to make those disclosures (other than disclosures that are permitted by law even if you opt out). If you opt out, we will not disclose this information to such third parties to independently market products or services to you, but we may include their offers in routine communications that we send to you in connection with servicing your business relationship with us.

Analytics, Cookies, Web Beacon and Similar Technologies

We use cookies and similar technologies, including app identifiers, to help us recognize you across different services, products, and devices; to learn about your interests both on and off our services; to improve your experience, increase security, and offer relevant products; and to measure use and effectiveness of our services and serve advertising. Most browsers provide you with the ability to control (i.e. block, delete, or disable) these technologies. If you choose to reject cookies or similar technologies, some services may not be available or some functionality may be limited or unavailable. Please review your browser manufacturer’s help pages for assistance with changing your settings. By visiting our services, you consent to the placement of cookies and beacons in your browser and HTML-based e-mails in accordance with this privacy policy.

California Do Not Track Notice

Under California law, website and online service operators are required to disclose how they respond to web browser “do not track” signals or other similar mechanisms that provide consumers the ability to exercise choice regarding the collection of personal information about a consumer’s online activities over time and across third party websites (“Do Not Track” requests), to the extent the operator engages in that collection. At this time, we do not track our customer’s personal information over time and across third-party websites and therefore this requirement does not apply to us. The Company does not alter its behavior or change its services upon receiving Do Not Track requests. California law also requires website and online service operators to disclose whether third parties may collect personal information about their user’s online activities over time and across different sites when the users use the operator’s website or service. Third parties that have content or services on our site such as a social feature, analytics service, or an advertising network partner, may obtain information about your browsing or usage habits but this information does not include personal information. We do not knowingly permit such third parties to collect any personal information from our site unless you directly provide it to us and we provide it to them with your consent.

California Consumer Privacy Act (CCPA)

If you are a California resident, you may be entitled to additional rights over your personal information. For more information about these rights and how to exercise them, please see our California privacy policy at CCPA.

Special Notice to Vermont residents

Vermont law places additional limits on sharing information about Vermont residents so long as they remain residents of Vermont. In accordance with Vermont law, we will not share information we collect about Vermont residents to companies outside of the Company except: (1) As permitted by law; (2) To companies that perform marketing or other services on our behalf; (3) Name, contact and transaction and experience information to other institutions with which we have joint marketing agreements; or (4) With the authorization or consent of the Vermont resident.

Compliance with State and Federal Laws

This privacy policy may not constitute your entire set of privacy rights, as these may also vary from state to state. To be certain of your privacy rights, you may wish to contact the appropriate agency in your state that is charged with overseeing privacy rights of consumers. Certain regulations issued by state and/or federal government agencies may require us to maintain and report demographic information on the collective activities of our customers. We may also be required to maintain your personal information for at least seven years in order to be in compliance with applicable federal and state laws regarding recordkeeping, reporting and audits.

Email Notifications

By providing your contact information to us, you are registering to receive communications from us directly or through a third-party. If you provide your e-mail address and request to be added to any of our mailing lists, we will periodically send you newsletters and other e-mails with offers and promotions. Our emails will always identify Car Insurance 4 Less, LLC or one of our branded sites as the sender. If you no longer wish to receive these communications, please let us know by sending an email to privacy@carinsurance4less.co. You may also opt-out by clicking on the unsubscribe link in our emails. In other cases, these notifications involve changes to various legal agreements, terms and condition updates and privacy policy update notifications. Generally, you may not opt out of these eservice related emails.

Third-Party Advertisers and Websites

Third-party advertisers that maintain their own mailing lists may send communications that advertise our services. In addition, if you provide your personal information to a service provider in our network, any use of your information by that service provider will be subject to their privacy policies and procedures. You would need to contact these parties directly in order to stop receiving their communications. The Company is not responsible for the information employed by sites linked to or from our website. In most cases, links to non-Company websites are provided solely as an access point to obtain information on products or services that may be useful to the users of the Company website. Third party websites may have different privacy policies and/or security standards governing their sites. We encourage you to review the policies of any other service provider from whom you request services.

Security Policy

The Company takes steps to safeguard your personal and sensitive information through industry standard physical, electronic and operational policies and practices. We limit access to personal information to those employees or agents who need the information to provide requested products and services to you. We also maintain physical, electronic, and procedural safeguards that comply with or exceed federal standards to guard your personal information, and we anonymize or expunge data when it is no longer necessary to provide services to our users or substantiate records for our partners.

A Special Note About Children’s Privacy

You must be at least 18 years old to use this website. We do not knowingly collect, use or disclose personal information about visitors under 18 years of age. If you are under 18 years of age, you can use the services offered on our websites only in conjunction with your parents or guardians. Please see our Terms of Use for more information.

Updating, Obtaining, or Removing Your Information

Upon request via email or mail, we will provide you a summary of personal information retained by us. We will only send your personal records to your email address or postal address that we have on file for you. To obtain, modify, correct, change, update or remove your personal records from our database, please send your request via email to [email protected]. We will require that you prove your identity before providing any personal information.

Our Do Not Call policy states that you may instruct us not to call you for marketing purposes by informing us at [email protected]. Our employees are trained through Policies and Procedures to take action on your instructions within 30 days.

If you do not want us to send you postal mail for marketing purposes, you may remove your name from current and future mailing lists by contacting us at [email protected]

Jurisdiction and Visitors Outside of the United States

This Privacy Policy is intended to cover collection of information on our Sites from residents of the United States. The data protection and other laws of the United States might not be as comprehensive as those in your country. By visiting our Sites or using our services, you acknowledge and agree that your information may be transferred to our facilities and those third parties with whom we share it as described in this Privacy Policy, regardless of the laws of your residence country. These terms shall be governed by, construed and enforced in accordance with the laws of the Texas, as it is applied to agreements entered into and to be performed entirely within such jurisdiction. To the extent you have in any manner violated or threatened to violate the Company and/or its affiliates’ intellectual property rights, the Company and/or its affiliates may seek injunctive or other appropriate relief in any state or federal court in the State of Texas, and you consent to exclusive jurisdiction and venue in such courts.

Limitation of Liability

The Company WILL NOT BE LIABLE FOR ANY DAMAGES THAT ACCOMPANY OR RESULT FROM YOUR USE OF ANY OF ITS SITE. THESE INCLUDE (BUT ARE NOT LIMITED TO) DAMAGES OR INJURY CAUSED BY ANY:

• USE OF (OR INABILITY TO USE) THE SITE
• USE OF (OR INABILITY TO USE) ANY SITE TO WHICH YOU HYPERLINK FROM OUR SITE
• FAILURE OF OUR SITE TO PERFORM IN THE MANNER YOU EXPECTED OR DESIRED
• ERROR ON OUR SITE
• OMISSION ON OUR SITE INTERRUPTION OF AVAILABILITY OF OUR SITE
• DEFECT ON OUR SITE
• DELAY IN OPERATION OR TRANSMISSION OF OUR SITE
• COMPUTER VIRUS OR LINE FAILURE

PLEASE NOTE THAT WE ARE NOT LIABLE FOR ANY DAMAGES, INCLUDING:

• DAMAGES INTENDED TO COMPENSATE SOMEONE DIRECTLY FOR A LOSS OR INJURY
• DAMAGES REASONABLY EXPECTED TO RESULT FROM A LOSS OR INJURY (KNOWN IN LEGAL TERMS AS “CONSEQUENTIAL DAMAGES.”)
• OTHER MISCELLANEOUS DAMAGES AND EXPENSES RESULTING DIRECTLY FROM A LOSS OR INJURY (KNOWN IN LEGAL TERMS AS “INCIDENTAL DAMAGES.”)

WE ARE NOT LIABLE EVEN IF WE’VE BEEN NEGLIGENT OR IF OUR AUTHORIZED REPRESENTATIVE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR BOTH.

EXCEPTION: CERTAIN STATE LAWS MAY NOT ALLOW US TO LIMIT OR EXCLUDE LIABILITY FOR THESE “INCIDENTAL” OR “CONSEQUENTIAL” DAMAGES. IF YOU LIVE IN ONE OF THOSE STATES, THE ABOVE LIMITATION OBVIOUSLY WOULD NOT APPLY WHICH WOULD MEAN THAT YOU MIGHT HAVE THE RIGHT TO RECOVER THESE TYPES OF DAMAGES.

HOWEVER, IN ANY EVENT, OUR LIABILITY TO YOU FOR ALL LOSSES, DAMAGES, INJURIES, AND CLAIMS OF ANY AND EVERY KIND (WHETHER THE DAMAGES ARE CLAIMED UNDER THE TERMS OF A CONTRACT, OR CLAIMED TO BE CAUSED BY NEGLIGENCE OR OTHER WRONGFUL CONDUCT, OR THEY’RE CLAIMED UNDER ANY OTHER LEGAL THEORY) WILL NOT BE GREATER THAN THE AMOUNT YOU PAID IF ANYTHING TO ACCESS OUR SITE.

Any other disputes will be resolved as follows:

If a dispute arises under this agreement, we agree to first try to resolve it with the help of a mutually agreed-upon mediator in the following location: Austin, TX. Any costs and fees other than attorney fees associated with the mediation will be shared equally by each of us.

If it proves impossible to arrive at a mutually satisfactory solution through mediation, we agree to submit the dispute to binding arbitration at the following location: Austin, Texas, under the rules of the American Arbitration Association. Judgment upon the award rendered by the arbitration may be entered in any court with jurisdiction to do so. The Company may modify these terms and the agreement they create, at any time, simply by updating this posting and without notice to you.

Contacting Us

If you have any questions about this privacy policy, please write us at:

Car Insurance 4 Less, LLC

30 N Gould St Ste R

Sheridan, WY 82801

[email protected]

Changes to Our Privacy Policy

We reserve the right to make changes to this Privacy Policy at any time. If there are material changes to this Privacy Policy or in how we will use your personal information, we will prominently post notice of such changes on the Sites. However, you should check this Privacy Policy whenever you use any of our Sites to ensure you are aware of our current privacy practices. Our Privacy Policy will indicate the date it was last updated. Your continued use of our Sites after we have posted any changes indicates your agreement to the changes, unless you notify us otherwise.

Updated October 2022