Privacy Notice
Please read this information carefully and print a copy and/or retain this information for future reference.
This Privacy Policy has been crafted to elucidate the data collection procedures, utilization methods, and our commitment to adhering to both local and international regulations for the benefit of our website users and clients.
The terms ‘we,’ ‘our,’ and ‘us’ referenced in this Privacy page pertain to Carohaus, more commonly recognized as Carohaus. To access our company’s contact details, kindly refer to this Contact.
By submitting your information on our website, you acknowledge that you have received and reviewed this E-Consent Policy.
Carohaus’s Position on Data Collection, Processing, and Protection:
In all matters related to data collection and safeguarding, we diligently implement and uphold contemporary best practices. We have adopted practices wherever feasible to ensure cross-border compliance. The information contained within this privacy policy aligns with or exceeds the following widely accepted data principles:
- Fair and Legal Processing of Personal Data: We refrain from collecting or processing any data unless it is contractually mandated or essential as per our partnerships.
- Specific and Lawful Data Purpose: As elucidated throughout this document, Carohaus exclusively collects and processes data when it serves a necessary purpose
- Relevance of Personal Data: We collect only the information essential for our purposes, responding promptly to client requests.
- Data Accuracy: All data gathered by Carohaus is maintained with precision, with updates made promptly.
- Data Retention: Personal data retained by Carohaus is kept only for the duration it serves a legitimate purpose or as legally required.
- Compliance with Local and International Law: All data activities, including collection, processing, and storage, strictly adhere to local regulations in our office locations and international standards such as GDPR.
- Data Security Measures: Carohaus employs robust IT solutions and standard operating procedures to ensure the security of personal data, limiting access to authorized individuals.
- Limited Data Sharing: We only share data when essential, following secure protocols. Data is shared as contractually mandated or legally required, and not for sale.
How we implement these policies is comprehensively explained within this document.
Types of Data Being Collected:
Carohaus is obligated by contract to collect and retain specific personal data from potential and existing clients. This data is essential to provide quotes, process applications, underwrite and enable services. The personal data collected may include:
- First and last name
- Street address, including city, state, and zip code
- Email addresses
- Telephone numbers
- Date of birth
- Gender
- Housing, education, and marital status
- Other user-provided information
- IP address, device information, and user agent
Data Collection from Children:
Carohaus adheres to a strict policy of not knowingly requesting nonpublic personally identifiable information from individuals under the age of 13, in accordance with the Federal Children’s Online Privacy Protection Act of 1998 (COPPA). Users of Carohaus are required to provide their date of birth during registration, and individuals under the age of 18 may not register as members.
Data Collection Personnel at Carohaus:
Only officially employed Carohaus staff members are authorized to gather, handle, maintain, and utilize users’ personal data. This responsibility primarily rests with our sales staff, but it may also involve staff members in Carohaus’s renewals, claims, administration, accounting, marketing, client support departments, or individuals in our leadership team.
Data Collection Methods by Carohaus:
All data collected by Carohaus is voluntarily provided by users with their explicit consent (see section below). Data may be collected through various means, including:
- Forms on our website
- Email communication
- Application forms and written documents
- Telephone and in-person communication
- Text messages
- Online forms for marketing purposes
- Cookies (explained in detail)
- Google Analytics and Remarketing (explained in detail)
Opting Out of Google Analytics: Users may have the option to opt out of customized Google Display Network ads by visiting the Ads Preferences Manager (http://www.google.com/ads/preferences) and using the Google Analytics Opt-out Browser Add-on (http://www.google.ca/ads/preferences/plugin).
Consent to Data Collection:
By using this website, you voluntarily consent to the collection and usage of your personal data as described in this document. This consent is entirely optional, with data collection occurring only when contractually required, legally mandated, or for marketing purposes.
Where applicable, explicit consent will be sought as required by law. Users have the right to refuse to provide data and to request access to or deletion of collected data at any time. However, refusal to provide contractually necessary or legally mandated data may impact our ability to offer products or services.
Purpose of Data Collection by Carohaus:
Data collected from users is used for various purposes, including:
- Enhancing user experiences on our network
- Sending electronic newsletters and enabling user participation in polls, surveys, message boards, and forums
- Verifying completed transactions on third-party websites as per member requests
- Creating aggregate demographic and traffic reports for advertisers, sponsors, and partners
- Complying with applicable laws and ensuring the personal safety of users and the public
Utilization of Collected Data by Carohaus:
Carohaus employs collected data to facilitate the sales, purchase, underwriting, payment, administration, and renewal of services and financial products and services. Personal data may also be used for marketing purposes related to these products and services, always with the requirement of consent. Members can opt out of our contact lists at any time without question.
Data Sharing:
Email addresses and phone numbers are collected solely for site-related purposes, and we do not share them with third parties/affiliates for marketing/promotional purposes. All other categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.
Third-Party Access
At Carohaus, we grant access to your information to trusted service providers for service facilitation and collaborate with advertising and analytics partners to enhance your experience. In circumstances such as business transfers or legal obligations, your data may be disclosed. We respect your privacy and never share personal information for marketing purposes without your explicit consent.
Security:
Our site operates secure data networks protected by industry-standard firewall and password protection systems. Security and privacy policies are regularly reviewed and enhanced, with only authorized personnel accessing member-provided information.
Consent to SMS, Text & Push Notifications
When you submit your information to us, your name and contact information, such as email address and phone number, are automatically added to our contact list. By providing such information, you are agreeing to receive communications from us via telephone, email or text message unless you choose to opt out of one or all of these communication methods. You will only receive these contacts from us for as long as you agree to them.
Opt-Out Policy
We provide users with options wherever practical, including:
- Opting not to register for our website or receive electronic newsletters or emails.
- Opting not to participate in specific interactive areas such as message boards, forums, surveys, and polls.
Opt-Out / Opt-In Procedures for Communication
We may promote product and service offerings via email, SMS text messages, or telephone to users who explicitly agree to be contacted through our Site’s online forms or opt-in process. Members can unsubscribe from receiving such communications at any time. To remove your information from our database and cease receiving future communications, please specify your details via email. Email addresses and phone numbers received in opt-out requests will be added to our internal Do-Not-Contact registry within ten days, unless we receive further communication from you indicating your consent to receive communications from us.
Compliance with Do-Not-Call Registry
It is every consumer’s right to add his or her telephone number to the National Do Not Call Registry, which, in general, applies to any plan, program, or campaign to sell goods or services through interstate phone calls. However, a company may call a consumer with whom it has an established business relationship for up to eighteen (18) months after the consumer’s last purchase, delivery or payment, and for up to three (3) months after the consumer submits an application or an inquiry to the company, even if the consumer’s number has been added to the National Do Not Call Registry.
Cookies
Similar to many websites, we employ “cookie” technology to gather additional data on website usage and improve our Site and Service. A cookie is a small data file transferred to your computer’s hard drive. We do not use cookies to collect personally identifiable information. Carohaus may utilize both session cookies and persistent cookies to better understand user interactions with the Site and Service, monitor aggregate usage, and improve both. A session cookie enables specific Site and Service features and is deleted when you leave the Site. A persistent cookie remains after you close your browser and may be used on subsequent visits to the Site. You can remove persistent cookies by following your web browser’s instructions. While most Internet browsers accept cookies by default, you can modify your settings to either refuse cookies or prompt you before accepting them from websites you visit.
California Privacy Rights
California residents may request information about categories of information shared and the entities receiving such information or opt-out of sharing their information with third parties. We comply with the opt-out option. Please refer to the OPT-OUT POLICY section for more details.
California “Do Not Track” Law
This website does not honor “Do Not Track” signals from user browsers. However, we do not collect or authorize the collection of nonpublic personally identifiable information about users’ online activities, except as described in connection with Google Analytics.
Changes to Our Privacy Policy
Any changes to our privacy policy will be posted on this page to keep users informed of the information we collect, how we use it, and under what circumstances we disclose it.
Your Consent
By using this site, you consent to the collection and use of information as described in this Privacy Policy by This Site.
No mobile information will be shared or sold to third parties/affiliates for marketing/promotional purposes.
Your personal information will not be sold or leased to any third party.