Privacy Policy

Rate Wagon Inc., a private corporation, owns and operates this website. We are committed to the privacy and security of our visitors’ information. This privacy statement describes the information that we collect, how we use that information, and how you may update any collected personal information. We reserve the right to modify this privacy statement at any time. Please revisit this page occasionally to check for updates.

The following is a statement of our privacy practices:

Telephone Consumer Protection Act Compliance

A phone number entered along with contact information on any form implies consent to allow Rate Wagon Inc., and/or it’s partners to contact you to provide goods or services. Entering into this agreement is not a condition of purchasing any goods or services.

Information We Collect

This website collects various types of information from our visitors in order to provide insurance information services. Some information is collected automatically from a web browser using “cookies” or similar technologies. Other information is collected when a user subscribes for online services, or when a user requests information from one of our insurance partners. Disabling cookies in your browser may limit the use of some of the features and services offered on this website.

Automatically Collected Data

  • Your IP address is a numeric address assigned to your computer, assigned by your Internet service provider. We automatically collect your IP address as traffic data so that we can send information back to you when requested. This is not used to identify your personal information.
  • Referrers are references to the web address you linked from and is automatically passed along by your web browser. We collect referrers your browser sends as part of traffic data. This is not attached to personally identifiable information.
  • System information such as your operating system/platform, and the type of web browser you use. This is not attached to personally identifiable information.

This information allows us to analyze web site usage patterns in order to provide better services to our visitors.

Information you Provide

This information that you provide allows us to improve usability of the website, in order to provide better services to you and may be used for marketing purposes and could result in follow up communications.

Links

This Web site contains links to other sites. Rate Wagon is not responsible for the privacy practices of such other sites. We encourage our visitors to be aware when they leave our site and to read the privacy statements of each and every web site that collects personally identifiable information. This privacy statement applies solely to information collected by this Web site.

Comments

When visitors leave comments on the site we collect the data shown in the comments form, and also the visitor’s IP address and browser user agent string to help spam detection.

An anonymized string created from your email address (also called a hash) may be provided to the Gravatar service to see if you are using it. The Gravatar service privacy policy is available here: https://automattic.com/privacy/. After approval of your comment, your profile picture is visible to the public in the context of your comment.

Media

If you upload images to the website, you should avoid uploading images with embedded location data (EXIF GPS) included. Visitors to the website can download and extract any location data from images on the website.

Cookies

If you leave a comment on our site you may opt-in to saving your name, email address and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year.

If you have an account and you log in to this site, we will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser.

When you log in, we will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year. If you select “Remember Me”, your login will persist for two weeks. If you log out of your account, the login cookies will be removed.

If you edit or publish an article, an additional cookie will be saved in your browser. This cookie includes no personal data and simply indicates the post ID of the article you just edited. It expires after 1 day.

Embedded content from other websites

Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.

These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website.

Analytics

Any data provided to a user in the form of a report, spreadsheet, graph, or collection of such is supplied by a database of information collected from website activity.

How long we retain your data

If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognize and approve any follow-up comments automatically instead of holding them in a moderation queue.

For users that register on our website (if any), we also store the personal information they provide in their user profile. All users can see, edit, or delete their personal information at any time (except they cannot change their username). Website administrators can also see and edit that information.

What rights you have over your data

If you have an account on this site, or have left comments, you can request to receive an exported file of the personal data we hold about you, including any data you have provided to us. You can also request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal, or security purposes.
To protect your privacy and safeguard your information, we will also take reasonable steps to verify your identity before granting access or making corrections.

Security

This web site takes every precaution to protect our visitor’s information. When visitors submit sensitive information via the web site, their information is protected both online and off-line.

While we use SSL 256-bit encryption to protect sensitive information online, we also do everything in our power to protect user-information off-line. All of our customers’ information, not just the sensitive information mentioned above, is restricted in our offices. Only employees who need the information to perform a specific job (for example, our billing clerk or a customer service representative) are granted access to personally identifiable information. Our employees must use password-protected screen-savers when they leave their desk. When they return, they must re-enter their password to re-gain access to user information. Furthermore, ALL employees are kept up-to-date on our security and privacy practices. Every quarter, as well as any time new policies are added, our employees are notified and/or reminded about the importance we place on privacy, and what they can do to ensure our customers’ information is protected. Finally, the servers that store personally identifiable information are in a secure environment, in a locked facility.

If visitors have any questions about the security on this website, feel free to contact us by completing the contact form here.

Notification of Changes

If we decide to change our privacy policy, we will post those changes to this privacy statement, the homepage, and other places we deem appropriate so our visitors are always aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it.
If, however, we are going to use visitors’ personally identifiable information in a manner different from that stated at the time of collection we will notify users by posting a notice on our web site for 30 days.