InstaBrain Privacy Policy

Last updated: 10/31/23

InstaBrain, Inc. and our affiliated companies (together with its affiliates and subsidiaries, collectively, “InstaBrain,” “us,” “we,” or “our”) has implemented this Privacy Policy (“Privacy Policy”) to provide users and visitors (collectively “users” or “you”) information regarding the collection and use of your information on our website, so that you can make an informed decision about your use of the website (www.instabrain.io or the “Site”). InstaBrain respects and is committed to protecting your privacy. In order to fulfill this commitment, we agree to exercise the safeguards and precautions detailed in this Privacy Policy to maintain the confidentiality of the information you provide when you access and use our Site.

This Privacy Policy applies only to information we collect through the Site and other electronic communications sent through or in connection with the Site. This Privacy Policy does not apply to information that we collect offline or on any other applications or websites.

Please read this Privacy Policy carefully. If you do not agree with our policies and practices, do not download, register with, open an account, or use the Site. By using the Site, you acknowledge that you have read and understood this Privacy Policy. This Privacy Policy may change from time to time as described below. Your continued use of the Site after we revise this Privacy Policy means you have read and understood the changes.

The Site is hosted in and provided from the United States of America. If you are accessing our Site from any location outside the United States of America, please note that the Personal Information we collect will be transferred to, used, stored, and otherwise processed in the United States of America. We do not represent that the Site, or our processing of your Personal Information, will comply with the laws of any jurisdiction outside of the United States of America.

Information You Provide To Us

We may collect information about you, including Personal Information, in a variety of ways. “Personal Information” is information that, whether alone or in combination with other information, can be used to identify an individual (such as first and last name, e-mail address, home address, telephone number, payment card information, or date of birth). Information that is publicly available or has been de-identified such that it cannot be connected to an individual is not considered Personal Information for purposes of this Privacy Policy.

The primary means by which we collect Personal Information occurs through what you voluntarily provide to us. We collect Personal Information from you when you engage with us through our Site, apply for insurance products and services through our Site, or apply to be an insurance agent appointed with our Carriers. When you register for an account on our Site, we will ask you for your name and e-mail address, date of birth, place of birth, citizenship status, Social Security number, address, phone number, driver’s license number, employment, family, beneficiary information, existing life and health insurance coverage information, activity information, health information, financial information, bank account and/or credit card information, and other information in order to process your application.

We also collect the content, communications, and other information you provide when you use our Site, create or share content, and message or communicate with us. This can also include your transaction history and payment or other financial information (such as when you purchase a policy).

If you are a partner, agent or vendor of ours and/or our Carriers, we will also collect information in connection with our business relationship, which may include your business contact information (e.g., business email, address, and phone number along with your title/role), and information collected from our ongoing business relationship (e.g., terms of our agreements with you, support calls, etc.).

When you register for an account on our Site and/or apply for the insurance products and services offered by our Carriers through our Site, we may collect information from third parties to, among other things, verify your identity; protect against fraud; and conduct other legally permissible activities. In addition, if another company or your insurance agent refers you to us, we may collect your information from that company and/or your insurance agent in order to facilitate your application for the insurance products and services offered by our Carriers through our Site and to monitor traffic to our Site.

We do not retain any information about you from such third parties unless you direct them to share your information with us on your behalf. We may also combine information you provide to us with information from public and other reputable sources, including, for example, updated contact information and demographic data.

We are not responsible for the privacy of any information you voluntarily reveal or post publicly on the Site.

Information We Collect Through Automatic Data Collection Technologies

As you navigate through and interact with our Site, we may automatically receive other information about your visit, including your internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, your location when you connect to our systems, and click stream data. For instance, we may log your IP address or unique device ID, your page requests at the Site, and other information collected from “cookies”. A cookie is a small text file that is sent to your computer’s browser or your mobile device when you visit a website. Cookies remain on your computer or device until they are deleted and may tell us, for example, how you arrived at our Site (including search engines and search terms) and how you navigate around our Site (including what you search for and browse). Please note that some internet browsers and device platforms allow you to block or reject cookies, although this may materially impact your ability to use the standard features of our Site. We may combine information collected via cookies with Personal Information provided by you. Our use of cookies does not track users over time or across third-party websites, so the Site does not respond differently when it receives a web browser “do-not-track” signal. You can also configure your browser to send a “do not track” signal. We respond promptly to those signals. Alternatively, you can use the industry-approved opt-outs by visiting: https://optout.networkadvertising.org/?c=1 or https://optout.aboutads.info/?c=2&lang=EN.

We may use third-party website analytics services in connection with our Site. We use the information collected by such services to enhance usability and functionality on the Site. Such services do not collect personal information that you do not voluntarily enter into our Site, and they do not track your browsing habits across websites that do not use their services. We use Google Analytics for collecting website analytics. For and more information on Google Analytics, and how it collects and processes data, go to: https://www.google.com/policies/privacy/partners/.

How We May Use Your Information

We may use your information provided to or collected by us in accordance with this Privacy Policy to review, verify or process your account, to contact you, to improve the quality of our Site, to customize the content, and services to your preferences, to identify and promote opportunities, for billing, account maintenance, and record-keeping purposes, and to provide any related services to you. We may use your e-mail, mobile phone number, postal and/or mailing address to notify you of important information regarding your account, the Site, and our policies and practices. In addition, we may send you information about special offers, new services and/or other information we think may be of interest to you. This information may be sent by email, text message, push notification, or social media or another form of electronic communication. If you do not wish to receive these communications from us, you may “opt-out” or “unsubscribe” from these communications by following the instructions contained in the e-mail or text message or by contacting us directly as described below.

We may permit our agents, vendors, consultants, and other service providers to access information collected through our Site to carry out work on our behalf. This includes a third-party service provider that assists us with processing credit card payments when payments are made through our Site. These third-party service providers are prohibited from using Personal Information for any purpose(s) other than to provide the services we have engaged them to perform. Additionally, Carriers may use information you provide to us in your application to verify your identity (using such services as states’ Department of Motor Vehicles, Lexis-Nexis and Illumifin, to name a few).

We may also share your information:

  • When we believe in good faith that it is necessary to respond to subpoenas, court orders, or to comply with law or any regulatory authority;
  • When we believe in good faith that it is necessary to establish or exercise our legal rights or defend against legal claims;
  • When we believe it is necessary to share information in order to investigate, prevent, or take action regarding suspected illegal activities, fraud, situations involving potential threats to the physical safety of any person, or violation of this Privacy Policy;
  • If we are acquired by or merged with another organization, your information may be one of the assets transferred to or acquired by a third party;
  • For any other purpose disclosed by us when you provide the information; or
  • For any other purpose with your consent.

Third-Party Links

Our Site may include hyperlinks to other websites, online locations, platforms, or services for your convenience and information. Such linked websites may be operated by third parties that are not owned or controlled by us. They may use their own cookies, web beacons, and other tracking technologies to collect information about you, and they may solicit personal information directly from you. If you follow links from our Site to other websites or applications, we encourage you to familiarize yourself with their privacy policies and terms of use. We are not responsible for the content or privacy practices of websites that we do not control.

Accessing and Changing Information

With few exceptions, you are entitled upon your request to be informed about the information we collect about you. Any users that have signed up for an account with our services may review, update, correct or, in some cases, delete the personal information we have on file. In certain circumstances personal information cannot be modified or deleted, as such data is required for us to provide the services you have requested from us. For other questions about your personal information, please contact us at [email protected]. We will respond to reasonable inquiries without undue delay. When seeking to review, update, correct, or delete your personal information, we will ask you to verify your identity before we can act on your requests to ensure the security of your account. We may not accommodate a request to change information if we believe the change would violate any law or legal requirement or cause the information to be incorrect.

Your Privacy Rights and Right to Opt-In/Opt-Out

We respect your ability to know, access, correct, transfer, restrict the processing of, and delete your personal data. If you choose to exercise these privacy rights, you have the right not to be treated in a discriminatory way or receive a lesser degree of service from us. We do not sell your data including a “sale” as defined under California, Virginia or Nevada law.

There may be situations where we cannot grant your request. For instance, if you ask us to delete your data and we are legally obligated to keep a record of that data to comply with the law. We may also decline to grant a request where doing so would undermine our legitimate use of data for anti-fraud and security purposes, such as when you request deletion of an account that is being investigated for security concerns. Other reasons your privacy request may be denied are if it jeopardizes the privacy of others, is frivolous or vexatious, or would be extremely impractical.

To help protect your privacy and maintain security, we will take steps to verify your identity before granting you access to your personal information or complying with your request. If you request access to or deletion of your personal information and do not sign-in to an account with us, we require you to provide the following information: name, email address, phone number, and postal address. In addition, if you do not have an account and you ask us to provide you with specific pieces of personal information, we reserve the option to require you to sign a declaration under penalty of perjury that you are the user whose personal information is the subject of the request. If you designate an authorized agent to make an access, deletion or opt-out of sale request on your behalf (1) we may require you to provide the authorized agent written permission to do so, and (2) for access and deletion requests, we may require you to verify your own identity directly with us (as described above).

You have the right to “opt in” and/or “opt out” of certain of our uses of your Personally Identifiable Information. You will have the opportunity to opt out of our promotional e-mails by clicking the “opt out” or “unsubscribe” link in the e-mail you receive. You can also request this by completing this form.

Residents of states with applicable privacy laws are afforded certain rights with respect to their personal information. Subject to certain exceptions, you may be entitled to the rights described below.

  1. Right to Access Your Personal Information. Under applicable privacy laws, you have the right to know the types and the specific pieces of the personal information we hold about you.
  2. Right to Delete Your Personal Information. In some circumstances, you may ask us to delete your personal information. Please note that this is not an absolute right under applicable privacy laws, and we may not be able to delete all or some of your personal information.
  3. Right to Correct Your Personal Information. You may request that we modify or update your personal information if it is inaccurate.
  4. Right to Opt Out. Applicable privacy laws may provide you with the right to limit or opt out of the use of your personal information for certain purposes.
  5. Right to Limit Processing of Sensitive Personal Information: Certain pieces of personal information that we have about you may be considered “sensitive” under applicable laws, including information needed to provide access to our service (i.e., account login and payment card information). These pieces of information are not subject to the right to limit.
  6. Right to be free from discrimination. You may exercise any of the above rights without fear of being discriminated against.

To exercise these rights, please contact us at [email protected].

For additional information regarding our California-specific data practices, please see our Privacy Notice for California Residents.

Children’s Privacy

Our website is not intended for children under 13 years of age, and we do not intentionally collect or maintain data about children under 13 unless such personal information is provided by a parent, legal guardian or authorized adult. If we learn that we have received any personal information from anyone who is not at least 13 years old, we will delete it.

Data Security

We are committed to online data security, and for that reason we take steps to make sure that the Personal Information we receive or collect is stored, processed and maintained in accordance with reasonable security practices designed to secure your Personal Information from accidental loss and from unauthorized access, alteration, disclosure or misuse. To the extent we engage with third-party vendors to provide the necessary technology infrastructure required to run our Site, our App, and business, we use reasonable efforts to ensure that these third-party vendors commit to industry standard security practices designed to related to secure your Personal Information from accidental loss and from unauthorized access, alteration, disclosure or misuse.

Please note that we cannot completely guarantee the security of any information which is submitted or transmitted via the internet or via mobile platforms and, by engaging in any of these activities, you understand that any such submission or transmission is done at your own risk. You are also responsible for preventing unauthorized access to your account and Personal Information through your computer or other devices. We recommend you limit access to your computer or other devices through which you accessed the Site or App by signing off after you have finished accessing your account. We are not responsible for your circumvention of any privacy settings or security measures we provide.

Retention Period

We have a variety of obligations to retain the data that you provide to us, both to ensure that transactions can be appropriately processed, and also to comply with laws applicable to us and to our banking providers and credit card processors. Accordingly, even if you close your account, we will retain certain information as necessary to meet our legal obligations and fulfill the purposes outlined in this Privacy Policy.

We retain your Personally Information even after you have closed your account if reasonably necessary to comply with our legal obligations (including law enforcement requests), meet regulatory requirements, resolve disputes, maintain security, prevent fraud and abuse, enforce our Terms of Use, or fulfill your request to “unsubscribe” from us. We will retain de-personalized information after your account has been closed. Generally speaking:

  • Customer account data is stored for up to seven years following closure of your account. However, we may retain invoice records, including their digital equivalent, for longer periods for accounting, tax, and audit purposes.
  • Where we collect customer records, we will retain this data for such time as needed for legal, security and anti-fraud purposes.
  • We may retain your communications with our customer support teams for up to three years after your account is closed.
  • We may need to retain data due to special circumstances (such as due to an open investigation, audit, or other legal matter).

Information you have shared with others (e.g. comments, posted reviews, group posts) will remain visible after you closed your account or deleted the information from your own profile.

Changes to this Privacy Policy

We reserve the right to revise and reissue this Privacy Policy at any time. Any changes will be effective immediately upon posting of the revised Privacy Policy, and the new effective date will be listed at the top of this page. Subject to applicable law, your continued use of our Site indicates your consent to the terms of the posted Privacy Policy. We encourage you to periodically review this Privacy Policy.

Contact Us

If you have any questions about this Privacy Policy or any of the practices described herein, please contact us by email at [email protected] or by calling 800-806-9714.

Privacy Notice for California Residents Opt-out Form