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Palm Report is committed to protecting your private
information. This Privacy Statement describes the
information that we collect when you visit one of
our sites. It also describes how we use that
information, and how you can update it. We reserve
the right to append or otherwise modify this Privacy
Statement at any time. Please re-visit this page
occasionally to check for updates.
Information We Collect:
Collecting various types of information from our
visitors allows Palm Report to periodically adjust
our site to meet our users' needs and expectations.
Some of this information is collected automatically,
through cookies. Other information is collected when
you register for any of our online services, or when
you request information from one of our insurance
partners.
Information Collected Automatically:
Some information is automatically sent to Palm
Report by your browser or Internet session each time
you visit one of our sites. These types of
information include:
The name of your browser, e.g., Internet Explorer,
Netscape Navigator.
Your Internet domain, e.g., AOL, Netcom, Earthlink,
etc.
You computer's operating system, e.g., Windows,
Macintosh, UNIX, Linux.
Your navigation path, e.g., the URL(s) that you use
to access our site, which of our pages you visit,
and where you go when you leave.
Your IP address.
This information allows us to see how users are
finding our sites, and which pages are visited the
most often. We can then use this information to make
our web sites more useful and more user-friendly.
Information You Provide to Us:
In addition to the information automatically
collected by your browser, Palm Report also collects
information that you provide to us when you request
quote information.
Our web sites provide users with the opportunity to
request quote information from insurance providers
and brokers. To do this, we collect contact
information (name, address, phone number, email
address, gender, age, work experience, etc.) as well
as information relevant to the applicant's
insurability (driver history, vehicle usage, etc).
This contact information is then provided to the
insurance partners from which the user has requested
quote information.
Palm Report uses cookies to store contact
information for each user. If the user uses our site
to make further requests for quote information,
their contact information will automatically be used
to pre-populate contact forms. Palm Report also
collects customer interest information (e.g.
Requests for E-Mail Newsletters) to determine what
information the customer wishes to be sent after
using our service.
By submitting a quote request, you authorize Palm
Report to provide your information to insurance
agents, both local and national. You also authorize
Palm Report to provide your information to one of
our third party agent networks in the event that our
primary agent network has few or no agents in your
zip code. You authorize these agent networks to
share your information with their vendors,
suppliers, and insurance carriers in order to
generate information for your quotes. By submitting
a quote request, you acknowledge that Palm Report’s
service requires you to agree that our partner
companies may obtain a consumer report or credit
score from a consumer reporting agency (also known
as a credit bureau) and that these partner companies
do not have the right to obtain a consumer report or
credit score without your written instruction which
you are granting by clicking the submit button.
Accordingly, by submitting a quote request you
instruct consumer reporting agencies to provide a
consumer report or credit score on you to these
partner companies if requested within a reasonable
date from the time you submit information to Palm
Report. In the event that one of our partner
companies obtains this credit information that
partner company will not share this information with
any other party, including insurance carriers, but
insurance carriers may elect to obtain credit
information on their own in connection with the
quoting and underwriting of the requested insurance.
Where permitted by law, some insurance companies or
their agents may confirm your information, through
the use of consumer reports, which may include
credit score and driving record.
If you provide a cell phone number with your contact
information, Palm Report and/or Palm Report's
clients may dial this number, including autodialing
of this number, to provide quote information and/or
seek additional information in order to provide a
quote.
How We Use This Information:
The information that is automatically collected by
our web site allows Palm Report to further develop
and improve the layout, design, and usability of the
site, in order to better serve your Internet needs.
Information you provide to us is used for marketing
purposes, and may result in follow-up
communications.
Palm Report may share personally identifiable
information with third-party businesses for the
purpose of direct marketing, specifically e-mail
marketing. All third parties are bound by the CAN
SPAM Act (s.877) of 2003, and are required to be in
full compliance of all consumer opt-out rules and
regulations.
How Our Insurance Partners May Use This Information
IMPORTANT: All proposed named insured listed on this
application must be made aware of the following:
In order to provide you with the most accurate
quotes possible, insurance companies may need to
obtain additional background information about you.
As an example Consumer reports may be ordered in
connection with your insurance application. These
reports provide information that may assist in
determining your eligibility for insurance and the
price you may be charged. Consumer reports may also
be used for updates, renewals or extensions of this
insurance. The insurance company may also obtain and
use a credit-based insurance score based on
information contained in your credit report. The
insurance company may use a third party in
connection with the development of the insurance
score.
Your Rights—Our Obligations:
The company respects the privacy of users visiting
our sites and will abide by all applicable laws
concerning the release of personal information. On
occasion, we may use certain directory information
that we collect from you to send you information
about products and services, or updates and other
information that we think may be of interest to you.
We may share this information with our insurance
partners to bring similar information to your
attention. If you tell us that you do not wish to
have this information used as a basis for further
contact with you, we will respect your wishes.
Please contact us to request that your name and
address should be removed from our lists. If you do
not want to receive our e-mail marketing, please
submit a request to have your e-mail address removed
by e-mailing: unsubscribe@Palm Report.com.
Other than directory information, the data that you
provide to us as you use the web site will be held
in strict confidence by the company, and will be
used for company purposes only.
Our Security Measures:
Our web sites have security measures in place to
protect against the loss, misuse, and/or alteration
of the information under our control.
Why We Use "Cookies":
When you visit some of our sites, we use cookies to
keep track of your information. A "cookie" is a
small piece of program code that resides on your
computer and stores your contact information for all
of our "Request Information" sites. Each time you
visit our site, the cookie uses the stored
information to pre-populate our online forms, so
that you do not have to re-enter your contact
information as you move from one site to another.
Links From Our Site To Other Sites:
Some of our sites may contain links to other sites
external to our sites. When you access these
external web sites, the providers of the sites will
have access to certain information about you. Palm
Report is not responsible for the privacy practices
or the content of any web sites which we do not
directly control.
Definitions:
Cookies:
Data created by a web server that is stored on a
user's computer. A cookie provides a way for the web
site to keep track of a user's patterns and
preferences and, with the cooperation of the Web
browser, to store them on the user's own hard disk.
The cookies contain a range of URLs (web addresses)
for which they are valid. When the browser
encounters those URLs again, it sends those specific
cookies to the Web server. For example, if a user's
ID is stored as a cookie, it saves that person from
typing in the same information all over again when
accessing that service for the second and subsequent
time during the same browser session.
You can opt out of the use of cookies by having your
browser disable cookies or warn you before accepting
a cookie. Look for the cookie options in your
browser in the Options or Preferences menu.
IP (Internet Protocol) Address:
This is the address of a computer attached to a
TCP/IP network. Every client and server station must
have a unique IP address. Client workstations have
either a permanent address or one that is
dynamically assigned for each dial-up session. IP
addresses are written as four sets of numbers
separated by periods; for example, 204.171.64.2.
Browser Session:
A browser session is defined as the period of time a
browser is in consecutive use. The session begins
when you open the browser and ends when you close
it. When you re-open the browser, you begin a new
session.
SSL Encryption (Secure Sockets Layer):
The leading security protocol on the Internet. When
an SSL session is started, the browser sends its
public key to the server so that the server can
securely send a secret key to the browser. The
browser and server exchange data via secret key
encryption during that session. Palm Report also
uses SSL encryption whenever we display your
personal information (e.g., name and address,
scheduled courses, grades).
URL (Uniform Resource Locator):
An Internet address. URLs are used to locate sites
on the Internet and to navigate between sites and
pages within sites. The URL for Palm Report is
www.Palm Report.com.
II.Information Sharing and Disclosure:
We only share PII with other companies or
individuals outside of Palm Report in the following
limited circumstances:
Third Party Service-Providers:
Palm Report may from time to time share email
addresses and other PII with third parties to
perform functions on our behalf, such as sending
informational emails about our products and
services. In these cases, Palm Report uses only
trusted partners who have entered into
non-disclosure agreements prohibiting use or
dissemination of PII and that meet the requirements
set out in the Security section below.
Third Party Marketers:
We may sell PII you supply to us to selected third
parties for direct marketing purposes, unless you
request for this information not to be disclosed to
third parties for marketing purposes using the opt
out below or you have previously opted out from your
PII being disclosed to third parties for marketing
purposes. These businesses may include, providers of
direct marketing services via telemarketing, e-mail
marketing, direct mail, SMS messaging and other
types of direct marketing.
Other Third Parties:
We may sell PII you supply to us to other selected
third parties, including providers of applications,
including lookup and reference, data enhancement,
suppression and validation.
Protection of Palm Report and others:
We reserve the right to access, use, preserve or
disclose PII: as required by law , regulation, legal
process or governmental request and when we believe
that access, use, preservation or disclosure is
necessary to protect our or our users' rights,
property or safety and / or comply with a judicial
proceeding, court order, legal process or
governmental request served upon our company;
enforce the terms and conditions of Palm Report,
including investigation of potential violations; and
to detect, prevent, or otherwise address fraud,
security or technical issues.
Non-Personally Identifiable Information:
We may share aggregated, non-personally identifiable
information about our user base with partners and
advertisers, and to run promotions [in accordance
with your preferences], and this may include
demographics, usage, or characteristics of Palm
Report participants as a group. We may also share
with Advertisers usage information about users who
have received targeted promotional campaigns, for
the purpose of formatting future campaigns and
upgrading user information used in reporting
statistics in accordance with your preferences. This
information is collected by tracking some of the
pages you visit on Palm Report through the use of
pixel tags (also called clear gifs).
Merger/Acquisitions:
If Palm Report becomes involved in a merger,
acquisition, or any form of sale of some or all of
its assets, we will provide notice before PII is
transferred and becomes subject to a different
privacy policy.
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