Privacy Policy | In Good Time Insurance Services LLC

Last Updated: 12/30/2024

This Privacy Policy describes how In Good Time Insurance Services LLC (“we,” “us,” or “our”) processes your personal information when you interact with us online or offline. We generally collect, use, and disclose the information you provide to: prepare insurance quotes, contact or respond to you, complete the application process, and make special offers to you related to insurance products and services.

Consistent with our commitment to your privacy, we provide more detail below on our practices concerning your personal information and what choices you have with respect to the data we collect. As part of our privacy commitment, we take the security of your information very seriously. Our security efforts include establishing a Vulnerability Security Policy, which you can view here.

If you are a California resident, please see our California Privacy Policy, which provides additional details about how we handle your personal information and how you can exercise your rights under the California Consumer Privacy Act.

Collection

We collect the following categories of personal information:

Contact Information: This includes details such as your name, mailing address, or email address.
Government Identification Numbers: This includes details such as your driver’s license number and social security number.
Demographic Details: This includes details such as your age, citizenship, marital status, and sex.
Medical Data: This includes details such as your past or current treatment, diagnoses, and disabilities as well as information concerning conditions such as pregnancy.
Employment Data: This includes details such as your income and employment details.
Internet Activity: This includes details such as your IP address, activity on our website, and other data points that may be collected by cookies.

We may also use your information to comply with our legal obligations and exercise (or defend ourselves against) legal claims.

We do not use your information for automated processing (a concept known as “profiling” in some states) that produces a legal or similarly significant effect. And, where legally required, we will obtain consent before processing information that applicable laws consider sensitive.

We use deidentified data for certain purposes, including to perform statistical and other analyses and to conduct research to improve our products and services. We will maintain the data in deidentified form and will not attempt to reidentify the information. If we disclose deidentified information to another entity, we will do so in a way that is designed to prevent reidentification.

Cookies and Similar Technologies

We use cookies to enhance user experience and to analyze the performance and traffic on our website. We may also contract with partners that utilize ad-serving technology including Google Ads and remarketing, which tracks user interactions with our website in order to present personalized advertisements.

In addition to the advertising cookies noted above, we use other cookies on our website to ensure the site functions and to improve the user experience. One of the cookies we use is for Google Analytics. We use Google Analytics on our website to help us better understand how consumers interact with our website, such as what they engage with on the site, what they search for when they visit certain pages, and what type of content they prefer. The information we gather gives us insights to improve your online experience, refine our products/ services, and more. You can learn more about Google Analytics, including how Google uses information collected with its tool, by clicking here to view Google’s explainer on their uses of information from sites using Google Analytics.

Interactive Services Notice, Consent, and Disclaimers

This website may provide interactive features, including features such as session replay and other tracking related to your activities on this website. You agree that we may record and retain a transcript of all communications via these features and/or may record or recreate your activity while using the website, in order to provide services, enhance your website experience, and for quality and verification purposes. We may work with trusted service providers to analyze, store, and/or use this data on our behalf. Your use or access of any of these features or of our website is governed by this Policy and our Terms of Use.

Limiting Targeted Advertising

If you do not want cookies to collect your information for targeted advertising, you can change your browser settings to reject all cookies. Doing so may cause portions of this site to not function properly. 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.

If you live in Colorado, Connecticut, Texas, or Virginia, we offer additional ways below to limit targeted advertising in accordance with state law.

Stopping In Good Time Offers

In general, if you do not wish to be contacted at all with offers from us or our partners, you should not provide any personal contact information through this website.

If you do provide us your information, we may use that data to send you offers we believe would be of interest to you. If you wish to unsubscribe from receiving any email offers from us, simply click the unsubscribe link here.

If we received your information from third parties, unsubscribing from our emails will not stop them from emailing you future offers. If you do not want them to contact you, you will need to follow their unsubscribe procedures.

Exercising Privacy Rights

Some states have passed laws granting individuals certain rights with respect to their data. We discuss those rights below. If you are not in one of those states, we will continue to protect and limit the use of your information as described elsewhere in this policy.

If you are a Colorado, Connecticut, Texas, or Virginia resident, you have the rights discussed below. We understand the importance of these rights, and we will not discriminate against you for exercising them.

Right to Access: You can request that we confirm whether we have your personal data and, if we do, to provide you access to that data. You can also request that we provide you a copy of the personal data that you provided to us.
Right to Delete: You can request that we delete any of your personal information that we have collected.
Right to Correct: You can request that we correct inaccurate information about you.
Right to Opt-Out of Share: You can request that we do not share your personal information.
Right to Opt-Out of Targeted Advertising: You can request that we do not use your information for targeted advertising.

We only honor verifiable consumer requests. You can submit such a request by:

Completing the form:

Welcome! Please submit this form to submit a request and we will respond as soon as possible. Thank you!

Calling 888-815-2308; or

Directing one of our agents to submit a request. An agent can only submit an opt-out request, and the request must concern a Colorado or Connecticut resident.

Only you or your authorized representative may make a request related to your personal information, unless the personal information concerns a person younger than 13-years old. If you rely on a representative, we require they provide a signed permission from you and may ask you to confirm that you authorized the representative to act on your behalf. For minors, a parent or guardian must make the verifiable consumer request on the minor’s behalf.

We can only honor a request after we verify your identity. We will attempt to verify your identity by comparing the information you (or your representative) provide us with the details we have in our records. Sometimes we may ask for additional information to help us in the verification process. When you rely on a representative, we may require you to confirm your identity with us.

If you disagree with our decision on your request, you can file an appeal by completing the form on our privacy portal listed above.

Marketing Practices

We collaborate with advertising companies and other marketers to promote our service. We work to ensure that companies advertising for us follow applicable legal and ethical guidelines. We do not tolerate any spam or unethical/unauthorized emailing marketing of any kind. Before working with an advertiser, we require that their email lists have all been generated by people opting in to receive offers and that they maintain an “Unsubscribe”/”Remove List”. If you believe that you have received one of our emails, and you did not provide consent to receive these offers, please forward the email to compliance@efinancial.com. We will take the necessary action to resolve the matter.

Vulnerability Security Policy

Introduction

In Good Time LLC, is committed to ensuring the security of the American public by protecting their information. This policy is intended to give security researchers clear guidelines for conducting vulnerability discovery activities and conveying our preferences about how to submit discovered vulnerabilities to us.

This policy describes what systems and types of research are covered under this policy, how to send us vulnerability reports, and how long we ask security researchers to wait before publicly disclosing vulnerabilities.

We encourage you to contact us to report potential vulnerabilities in our systems.

Guidelines

Under this policy, “research” means activities in which you:

Notify us as soon as possible after you discover an actual or potential security issue.
Make every effort to avoid privacy violations, degradation of user experience, disruption to production systems, and destruction or manipulation of data.
Only use exploits to the extent necessary to confirm a vulnerability’s presence. Do not use an exploit to compromise or exfiltrate data, establish persistent command-line access, or use the exploit to pivot to other systems.
Provide us with a reasonable amount of time to resolve the issue before you disclose it publicly.
Do not submit a high volume of low-quality reports.
Once you’ve established that a vulnerability exists or encounter any sensitive data (including personally identifiable information, financial information, proprietary information, or trade secrets of any party), you must stop your test, notify us immediately, and not disclose this data to anyone else.

Scope

This policy applies to In Good Time systems only. No third-party systems, service providers, or partners are in scope, e.g., Salesforce.

Any services not expressly listed above, such as any connected services, are excluded from the scope and are not authorized for testing. Additionally, vulnerabilities found in systems from our vendors fall outside of this policy’s scope and should be reported directly to the vendor according to their disclosure policy (if any). If you aren’t sure whether a system is in scope or not, contact us at Gracie@ingoodtime.co before starting your research.

Though we develop and maintain other internet-accessible systems or services, we ask that active research and testing only be conducted on the systems and services covered by the scope of this document. If there is a particular system not in scope that you think merits testing, please contact us to discuss it first.

In Good Time Insurance Services LLC Privacy Policy

Collection

Uses

Purpose

Data Categories Involved

Sale of Assets of Sale of In Good Time

Cookies and Similar Technologies

Interactive Services Notice, Consent, and Disclaimers

Your Choices

Limiting Targeted Advertising

Stopping In Good Time Offers

Changing Information

Exercising Privacy Rights

Marketing Practices

Policy Changes

Contact Us

Vulnerability Security Policy

Introduction

Authorization

Guidelines

Prohibited testing methods

Scope

Reporting a vulnerability