Last updated 7/6/2021
2. From and about whom do we collect Data?
We collect Data from and about the following:
3. How and What Data Do We Collect About You?
We collect Data about you directly from you, from other persons, and automatically as you use our Sites and Services.
Information that We Collect Directly From You: We collect information, including personal information, from you when you take the following actions. The type of personal information that we collect from you varies based on your interaction with our Sites and Services.
The type of information that we collect from you includes:
Information We Collect from Other Sources:
Data Collected Automatically as You Use our Sites and Services:
We use this data predominantly to determine which portions of our Sites are most useful to visitors and to improve our Sites and our Services. We also may share this data in the aggregate to insurers and advertisers for advertising purposes. We typically do not combine the above-listed automatically collected data with other information that we maintain about you. We may share this data with insurers and lead generation partners to help them improve their products and services.
We also track reader response to our emails. In some circumstances, we may associate whether you read a particular email with other information that we have about you. We do this to help determine more relevant communications with you. Please also see “Tracking Tools” below for additional information.
4. How Do We Use The Information That We Collect About You?
We may use your information for one or more of the following business purposes:
We may also use de-identified, anonymized or aggregated Data, including customer information, to provide potential insurers with a general profile of people using our Sites, and to analyze the effectiveness of our Services to customers.
5. How do we share the Data we collect?
Simply Business provides services exclusively to business customers. Our goal is to help you find the appropriate insurance for your company’s particular needs, and, to do so, we do need to share certain information with our Panel Members and other entities. Simply Business may disclose Your Data, including personal information, to another entity for a business purpose, or sell Your Data, including personal information, subject to your right to opt-out of the sale of Your personal information if You are a California Resident (see Your California Privacy Rights).
We also may disclose your data in the following circumstances; typically, in doing so, we are disclosing your data to law enforcement, legal advisors, other persons to assist us in protecting our rights and interests and the rights and interests of other persons:
6. Tracking Technology
We, and certain service providers who analyze the activity of visitors to our Sites on our behalf (“Analytics Providers”) and advertising providers, may use ‘IP Addresses’, ‘cookies,’ ‘web beacons’, ‘pixel tags,’ and other tracking technologies (described in more detail below) in the Sites and Services, or in our communications with You (“Tracking Technologies”). These Tracking Technologies allows us and the Analytics Vendors and advertising providers to have access to some Data and analysis about You which helps to:
IP Address and Clickstream Data
Our servers may collect Data about the computer or other device you use to access or use the Sites or Services. This Data may include the Internet address of the computer or other device you use when you access or use the Sites or Services. Your computer’s Internet Protocol address, or IP Address, is a number that is automatically assigned to your computer by your Internet Service Provider (“ISP”) whenever you connect your computer to the Internet. When you operate your device to request and receive webpages or other content from our Sites or Services, our servers may log your IP Address. We may also log your domain name, which is a textual identifier for your computer that also may have been assigned by your ISP. As stated above, we do not typically associate your browsing information with your account. We may, however, use your IP Address and domain name to help identify you (or the corporate entity) and to gather demographic information about our customers as a whole. We may also record the referring webpage that linked you to us (e.g., of another website or a search engine); the webpages or other content you view on the Sites; the website or webpage you visit after the Sites; the ads you see on the Sites and/or click on; other Data about the type of web browser, computer, platform, related software and settings you are using when accessing and/or using the Sites or the Services; any search terms you have entered on any Site or a referral site; and other web usage activity and data logged by our web servers. We use this Data for internal system administration, to help diagnose problems with our server, and to administer the Sites and the Services. Such information may also be used to gather demographic information, such as country of origin and ISP. We do not typically associate this information with you.
For the avoidance of doubt, some service providers (including Analytics Vendors) may place cookies on your computer or mobile device. If you would like to disable these "third party" cookies, you may be able to turn them off by going to the third party's website.
We may use web bugs (aka “web beacons” or “pixel tags”) or similar technologies in the Sites, Services, and/or in communications with You to enable us to evaluate the Sites and Services usage information about users, upgrade user information, and know whether You have visited a webpage or received a message. A “web bug” is typically a one-by-one pixel, transparent image (although it can be a visible image as well), located on a webpage or in an e-mail or other type of message, which is retrieved from a remote site on the Internet enabling the verification of an individual’s viewing or receipt of a webpage or e-mail message. A web bug may enable us to relate your viewing or receipt of a webpage or other message to other information about You, including your personal information.
“Do Not Track”
Some third parties have ways (e.g. Browser do-not-track signals) for users to control how online services collect their information. We do not take any action based on these signals.
We may disclose certain information (such as your email address) to Facebook Custom Audiences (for more information on Facebook Custom Audience go here or to opt-out, go to the Facebook ad preferences page)—so that we can better target ads and content to you and others with similar interests on third parties’ websites or media (“Custom Audiences”). We may also work with other ad networks and marketing platforms that enable us and other participants to target ads to Custom Audiences submitted by us and others. You may also control how Facebook and other third parties display certain ads to you, as explained further in their respective privacy policies or by using the opt-outs described below.
Users may opt out of many ad networks. For example, you may go to the Digital Advertising Alliance ("DAA") Consumer Choice Page for information about opting out of interest-based advertising and their choices regarding having information used by DAA companies. You may also go to the Network Advertising Initiative ("NAI") Consumer Opt-Out Page for information about opting out of interest-based advertising and their choices regarding having information used by NAI members.
Opting out from one or more companies listed on the DAA Consumer Choice Page or the NAI Consumer Opt-Out Page will opt you out from those companies' delivery of interest-based content or ads to you, but it does not mean you will no longer receive any advertising through our Site, Services, or on other websites. You may continue to receive advertisements, for example, based on the particular website that you are viewing (i.e., contextually based ads). Also, if your browsers are configured to reject cookies when you opt out on the DAA or NAI websites, your opt out may not be effective. Additional information is available on the DAA's website at www.aboutads.info or the NAI's website at www.networkadvertising.org.
7. Third party content and sites
When you are on the Site you may be directed to other sites that are operated and controlled by parties that we do not control. We are not responsible for the data collection and privacy practices employed by any of these parties or their sites. We encourage you to note when you leave our Sites and to review the privacy policies of the different websites you visit.
8. Changing communication preferences
At the point of submitting your personal details, we collect Your email address to enable Simply Business and insurance organizations to contact you. Additionally, this allows Simply Business’s customer service team to get in touch if any more information is needed. You may opt-out of future marketing communications by contacting us at [email protected] or using the opt-out details set out in one of our marketing emails.
9. Children and COPPA
The Sites and Services are not geared towards children, and use of all of the Sites and all of the Services is limited to legally-competent adults aged 18 and older. Simply Business does not knowingly solicit, collect or maintain any information from children under the age of 13. If you believe that your child under 13 has gained access to the Sites or Services without your authorization and without our permission, please contact us at [email protected].
We use commercially reasonable safeguards to help protect and secure your personal information. However, no data transmission over the Internet, mobile networks, wireless transmission or electronic storage of information can guarantee to be 100% secure. Please note that we cannot ensure the security of any information you transmit to us, and you use our Sites and provide us with your information at your own risk.
12. Contacting Simply Business
Simply Business, LLC 1 Beacon Street 15th Floor Boston, MA 02108
13. Additional Information for Nevada Residents
If you are a Nevada resident, you may opt-out of the sale of your personal information by emailing us at [email protected].
14. Additional Information for California Residents
Simply Business provides insurance to business customers. We primarily use the information that we collect from and about you for the purpose of providing our insurance services to you; therefore, with the exception of the do not sell and nondiscrimination rights, to the extent that we use your information the course of providing services to you, the rights below do not apply. Nonetheless, we set forth the rights that may apply if we use business contact information outside of the relationship (e.g., if we obtain a list of prospective customers and before we have a relationship with you). If you are a California resident, the California Consumer Protection Act (CCPA) may provide you with additional rights, under certain circumstances, regarding our use of your personal information. This section describes these rights and how to exercise them.
Sources of Information
As described above, we collect information about you from: you, your employer, internet service providers, ad networks, analytics providers, lead generation providers/data brokers, and insurance companies.
Disclosures and Sale of Your Personal Information
As described above, we disclose your information for a business purpose or sell your information to the following entities: lead generation providers/data brokers; insurance companies; internet service providers; ad networks; analytics providers; and law enforcement, as applicable.
Right to Obtain a Copy of Your Personal Information
California residents have the right to request that Simply Business disclose the specific pieces of information that we collected about you during the past twelve months. You also have the right to information about the following information from the past twelve months.
Deletion Request Rights
California residents have the right to request that Simply Business delete any of your personal information that we collected from You and retained, subject to certain exceptions. Once we receive and confirm Your verifiable consumer request, we will delete or deidentify or aggregate (and direct our service providers to do the same) Your personal information from our records, unless an exception applies.
Exercising Your Rights
To exercise the access, data portability, and deletion rights described above, California residents may submit a verifiable consumer request to us by:
Only you or an authorized agent may make a verifiable consumer request related to your personal information.
You may only make a verifiable consumer request for access or data portability twice within a 12-month period. The verifiable consumer request must:
We cannot respond to your request or provide you with personal information that we collected if we cannot verify your identity or authority to make the request and confirm the Personal Information relates to you.
We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell You why we made that decision and provide you with a cost estimate before completing your request.
Do Not Sell My Personal Information Right
You have the right to opt out of the sale of your personal information. You have the right to opt out of the sale of your personal information. Above we described the circumstances in which we disclose your information. In particular, if we obtain a lead that we cannot serve, we may provide your information to another lead generation service; we also use behavioral advertising on our Sites. Both of these circumstances may constitute a sale under the CCPA.
To exercise the right to opt-out, you (or Your authorized representative) may submit a request to us by:
We allow entities to place cookies on our Sites to collect information about your interaction with such Sites. This collection of information may be a “sale” under the broad definition of “sale” as defined under the CCPA; to opt out of this sharing please visit: www.optout.aboutads.info and www.optout.networkadvertising.org. To opt out of the collection of information through your Apps, please go to: https://youradchoices.com/control .
Once you make an opt-out request, we will wait at least twelve (12) months before asking you to reauthorize personal information sales. However, you may change Your mind and opt back in to personal information sales at any time by:
Requests from Agents
We will accept valid requests from agents that meet the following guidelines. The agent must provide a written authorization from the consumer that the agent may act on the consumer’s behalf. We reserve the right to verify your authority and the consumer’s identity with the consumer, at our discretion.
We will not discriminate against You for exercising any of your CCPA rights. Unless permitted by the CCPA, we will not:
*Harborway Insurance policies are underwritten by Spinnaker Insurance Company and reinsured by Munich Re, an A+ (Superior) rated insurance carrier by AM Best. Harborway Insurance is a brand name of Harborway Insurance Agency, LLC, a licensed insurance producer in all 50 states and the District of Columbia. California license #6004217.