BINDABLE WEBSITE PRIVACY POLICY

Bindable LLC and our subsidiaries and affiliates (hereinafter collectively referred to as “Bindable,” “us,” “we,” “our,” or “Company”) have created this Privacy Policy to describe, among other things, the types of personal information we collect, how we use it, and how you can access your information. We collect information about you in a variety of ways depending on how you interact with us and our products and services, including through our website, digital marketing and advertising, and our business relationships (hereinafter referred to as our “Services”).

This Privacy Policy is integrated into our Terms & Conditions of Use (“Terms of Use”).

By using our Services and providing us with your personal information (defined below), you agree to the practices described in this Privacy Policy and Terms & Conditions referenced below and to the updates to these policies posted here from time to time.

I. WHO WE ARE AND WHAT WE DO

Bindable, LLC is the insurance technology (InsurTech) leader for alternative distribution, having developed the premier solution for business-to-business-to-consumer (B2B2C) insurance distribution. Bindable’s platform is insurer and product agnostic, enabling clients to offer a customized product mix to their customer base via a branded digital marketplace or an API-powered experience embedded within an existing environment. Bindable customers can license the Company’s agent software, Policy Crusher®, or leverage the capabilities of Bindable’s 50-state digital agency to supplement an existing agent footprint and get to market faster. Bindable’s technology creates seamless experiences, so the right customers can access the right products at the right time - reducing friction for everyone.

II. INFORMATION WE COLLECT ABOUT YOU

We may collect the following categories of information about you which are described in more detail below: (A) information you provide to us, (B) sensitive information, (C) information we may automatically collect, and (D) information we may receive from third parties. All of the information listed in (A)-(D) above is detailed below, and hereinafter referred to as “Information.”

A. Information You Provide to Us

In using our Services, you may provide us with Information, including, without limitation:

Individual identifiers such as name, company name, contact information such as current and previous mailing address, zip code, phone number, job title, and company email address;
Communications with us, preferences, and other Information you provide to us, such as any messages (including via online forms), and other Information that you share with us when you contact us directly (such as for a demo of our products);
Employment background including resume, educational background, skills and job preferences, reference information; and
Additional Information as otherwise described to you at the point of collection or pursuant to your consent.

B. Sensitive Information

We may process the following categories of sensitive personal Information when you interact with us digitally:

Geolocation data

C. Information We May Automatically Collect About You

Our Services may automatically collect the following categories of usage and technical Information about you. This Information is used by Bindable for the operation of the Services, to maintain quality of the Services, and to provide general statistics regarding use of the Services. This Information may include:

IP address, which is the number associated with the service through which you access the Internet, like your ISP (Internet service provider);
Date and time of your visit or use of our Services;
Domain server from which you are using our Services;
Type of computer, web browsers, search engine used, operating system, or platform you use;
Data identifying the web pages you visited prior to and after visiting our website or use of our Services;
Your movement and activity within the website, which is aggregated with other information; and
Mobile device information, including the type of device you use, operating system version, and the device identifier (or “UDID”).

D. Information We May Receive from Third Parties

We may obtain additional Information about you from third-party vendors and/or social media platforms to help us provide services to you, help prevent fraud, and for marketing and advertising purposes.

III. COOKIES & TECHNOLOGIES USED TO COLLECT INFORMATION ABOUT YOU

We and/or certain service providers operating on our behalf may collect Information about your activity, or activity on devices associated with you over time, on our sites, and across non-affiliated websites or online applications. We may collect this Information by using certain technologies, some of which are described in more detail below, such as cookies, web beacons, pixels, software developer kits, third-party libraries, and other similar technologies. Third-party service providers, advertisers, and/or partners may also view, edit, or set their own cookies or place web beacons.

Cookies (or browser cookies). A cookie is a small file placed on the hard drive of your computer. You may refuse to accept browser cookies by activating the appropriate setting on your browser. However, if you select this setting, you may be unable to access certain parts of our Services. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you direct your browser to our website.
Web Beacons. Website pages may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit us, for example, to count users who have visited those pages and for other related statistics (for example, recording the popularity of certain content and verifying system and server integrity). We also use these technical methods to analyze the traffic patterns, such as the frequency with which our users visit various parts of our digital environments. These technical methods may involve the transmission of Information either directly to us or to a third party authorized by us to collect Information on our behalf. We also use web beacons in HTML emails through third parties such as HubSpot and Copper CRM that we send to determine whether the recipients have opened those emails and/or clicked on links in those emails.
Analytics. Analytics are tools we may use, such as Google Analytics, to help provide us with information about traffic to our website, which Google may share with other services and websites who use the collected data to contextualize and personalize the ads of its own advertising network. You can view Google’s Privacy Practices here: Privacy Policy – Privacy & Terms – Google.

IV. HOW WE USE YOUR INFORMATION

A. Use and Purpose of Processing Your Information

We use and process your Information for purposes that may include, but are not limited to, the following:

To provide you with the Services and information you request;
To provide support, service, and assistance for our products that you may be interested in learning about;
To process your request for a demo of our solutions and products or to become a Product or Solutions partner;
To respond to your inquiries and questions and provide customer service;
To process your employment application if you choose to apply for a position with our Company;
For general or targeted marketing and advertising purposes, including sending you promotional material, or special offers on our behalf or on behalf of our marketing partners and/or their respective affiliates and subsidiaries and other third parties, provided that you have not already opted out of receiving such communications;
To fulfill contracts we have with you;
To manage, improve and foster relationships with third-party service providers, including vendors, suppliers, and parents, affiliates, subsidiaries, and business partners;
Maintain, improve, customize, or administer the Services, perform business analyses, or other internal purposes to improve the quality of our business, the Services, resolve technical problems, or improve security or develop other products and services;
Comply with our Terms & Conditions;
Analytics for business purposes and business intelligence;
Comply with any applicable laws and regulations and respond to lawful requests; and/or
For any other purposes disclosed to you at the time we collect your Information and/or pursuant to your consent.

We may also use Information that has been de-identified and/or aggregated for purposes not otherwise listed above.

B. Sharing Your Information

We may share your Information as set forth in the Privacy Policy and in the following circumstances:

Third-Party Service Providers. We may share your Information with third-party service providers that perform certain functions or services on our behalf (such as to host the Services, manage databases, perform analyses, provide customer service, or send communications for us). These third-party service providers are authorized to use your Information only as necessary to provide these services to us and are contractually obligated to maintain the confidentiality and security of that personal information. They are restricted from using, selling, distributing, or altering this in any way other than to provide the requested services to us. In some instances, we may aggregate Information we collect so third parties do not have access to your identifiable Information to identify you individually.
Disclosure of Information for Legal and Administrative Reasons. We may disclose your Information without notice: (i) when required by law or to comply with a court order, subpoena, search warrant, or other legal process; (ii) to cooperate or undertake an internal or external investigation or audit; (iii) to comply with legal, regulatory or administrative requirements of governmental authorities (including, without limitation, requests from the governmental agency authorities to view your Information); (iv) to protect and defend the rights, property or safety of us, our subsidiaries and affiliates and any of their officers, directors, employees, attorneys, agents, contractors and partners, and the website Service users; (v) to enforce or apply our Terms & Conditions; and (vi) to verify the identity of the user of our Services.
Business Transfers. Your Information may be transferred, sold, or otherwise conveyed (“Conveyed”) to a third party where we: (i) merge with or are acquired by another business entity; (ii) sell all or substantially all our assets; (iii) are adjudicated bankrupt; or (iv) are liquidated or otherwise reorganize.
Information Shared with our Subsidiaries. We may share your Information with our subsidiaries.
De-Identified or Aggregated Data. We may share your Information on an aggregated basis for any purpose in which your specific personal Information is blinded, masked, or otherwise not identifiable.
Online Communications. Any Information you submit in a public forum (e.g., a blog or social network) may be read, collected, or used by us and other participants, and could be used to personalize your experience. You are responsible for the Information you choose to submit in these instances. We may also decide to allow users to participate in promotions, surveys, or provide us with information regarding their experience. Participation in these programs is completely voluntary.
With Your Consent. We may share Information consistent with this Privacy Policy and with your consent.

V. LINKS TO OTHER WEBSITES

Our Services may contain links to other websites or services that are not owned or controlled by us, including links to Social Media Platforms such as Facebook, Instagram, or YouTube, or industry partners.

This Privacy Policy only applies to Information collected by our Services. We are not responsible for the privacy and security practices of those other websites or Social Media Platforms or the Information they may collect (which may include IP Address). You should contact such third parties directly to determine their respective privacy policies. Links to any other websites or content do not constitute or imply an endorsement or recommendation by us of the linked website, Social Media Platform, and/or content.

VI. INFORMATION SECURITY

We use commercially reasonable and appropriate administrative, physical, and technical security measures to provide our Services and safeguard your Information. However, no data transmitted over the Internet or stored or maintained by us or our third-party service providers can be 100% secure. Therefore, we do not promise or guarantee, and you should not expect, that your Information or private communications will always remain private or secure. We do not guarantee that your Information will not be misused by third parties. We are not responsible for the circumvention of any privacy settings or security features. You agree that we will not have any liability for misuse, access, acquisition, deletion, or disclosure of your Information.

If you believe that your Information has been accessed or acquired by an unauthorized person, you should promptly Contact Us so that necessary measures can quickly be taken.

VII. DATA RETENTION

We will retain your Information for as long as needed to provide you Services, and as necessary to comply with our legal obligations, resolve disputes, and enforce our policies. In accordance with our routine record keeping, we may delete certain records that contain Information you have submitted to us. We are under no obligation to store such Information indefinitely and disclaim any liability arising out of, or related to, the destruction of such Information.

VIII. YOUR CHOICES

Marketing Communications. By providing us with your email address, you expressly consent and agree to receive email communications initiated by us, which include, without limitation: emails about our products and solutions, company news, and events. If you do not want to receive marketing and promotional emails from us, you may click on the “unsubscribe” link in the email to unsubscribe and opt out of marketing email communications or see How to Contact Us below for more information.
Opting Out of Direct Marketing by Third Parties. To exercise choices regarding the marketing information you receive, you may also review the following links:
- You may opt out of tracking and receiving tailored advertisements on your mobile device by some mobile advertising companies and other similar entities by downloading the App Choices app at www.aboutads.info/appchoices.
- You may opt out of receiving permissible targeted advertisements by using the NAI Opt-out tool available at http://optout.networkadvertising.org/?c=1 or visiting About Ads at http://optout.aboutads.info.
- You can opt out of having your activity on our Services made available to Google Analytics by installing the Google Analytics opt-out add-on for your web browser by visiting: https://tools.google.com/dlpage/gaoptout for your web browser.
Cookies and Similar Tracking Technologies. Most web browsers allow you to reject or delete cookies through their settings preferences. Please note that if you choose to remove or reject cookies, this could affect the availability and functionality of our websites. For more information about how certain of our websites use cookies and, where applicable, to update your preferences, click the “Cookie Settings” link available on the applicable website.
Your Data Subject Rights. Depending on your state of residence, you may have certain rights to your Information. Those rights may be honored by the Company following proper authentication and verification.

IX. GEOGRAPHIC LOCATION OF DATA STORAGE AND PROCESSING

Our Services are targeted to individuals located in the United States. As such, the Services collect Information and process and store that Information in databases located in the United States. If you are visiting the Services from a country outside the United States, you should be aware that you may transfer personally identifiable Information about yourself to the United States, and that the data protection laws of the United States may not be as comprehensive as those in your own country. By visiting the Services and submitting any personally identifiable Information you consent to the transfer of such personally identifiable Information to the United States.

X. CHILDREN’S INFORMATION

The Services are intended only for users over the age of sixteen (16). If we become aware that a user is under sixteen (16) (or a higher age threshold where applicable) and has provided us with their Information, we will take steps to comply with any applicable legal requirement to remove such Information. Contact us if you believe that we have mistakenly or unintentionally collected Information from a child under the age of sixteen (16).

XI. DIFFICULTY ACCESSING OUR PRIVACY POLICY

Individuals with disabilities who are unable to usefully access our Privacy Policy online may contact us to inquire how they can obtain a copy of our policy in another, more easily readable format.

XII. CHANGES TO THIS PRIVACY POLICY

We reserve the right to change, modify, or amend this Privacy Policy at any time to reflect changes in our products and service offerings, accommodate new technologies, regulatory requirements, or other purposes. If we modify our Privacy Policy, we will update the “Effective Date,” and such changes will be effective upon posting. It is your obligation to check our current Privacy Policy for any changes.

XIII. HOW TO CONTACT US

If you have any questions about this Privacy Policy or the Information we have collected about you, please contact us at the following:

Email us: privacy@bindable.com

Write us:
Bindable LLC
25 Dorchester Avenue
P.O. Box 52447
Boston, Massachusetts 02205

Effective Date: November 1, 2024