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Insurance Agency

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Insurance Agency

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Privacy Policy

Effective **date**

**URL** (“we,” “us,” “our”) works hard to build and maintain a relationship of trust with you. This Privacy Policy (“Privacy Policy”) governs our collection, use, and disclosure of your Personal Information (as defined below) in connection with your use of our websites on which this Privacy Policy is linked (collectively, “Sites”) and any transactions, interactions, or other engagements you might have with us (collectively, “Services”). For clarity, the term “Sites” does not include any sites owned or operated by third parties.

This Privacy Policy explains what Personal Information we collect about you, how we use or disclose such information, how to exercise any rights you may have with respect to your information, and the safeguards we have in place to reduce the risk of unauthorized access and use.

This Privacy Policy does not apply to Personal Information we collect from or about job applicants, employees, or contractors, or people associated with such persons.

Please read this Privacy Policy carefully before using our Sites and/or engaging with us. If you do not agree with this Privacy Policy, you must refrain from using our Sites and/or engaging with us. By accessing or using our Sites and/or engaging with us, you agree to our use of your information consistent with this Privacy Policy

Privacy Policy Quick Links

Information We Collect

How We Collect Information

How We Use and Share Information

Other Important Privacy Provisions

Additional State Privacy Rights

Exercising Your Rights

California “Do Not Track” Disclosure

California “Do Not Track” Disclosure

Privacy Policy Changes                                                                          

This Privacy Policy is subject to change. We encourage you to review it frequently for any revisions or amendments. Privacy Policy changes will are effective immediately and you will be accept the changes by continuing to use of the Site(s) or Services. If we determine that a change to this Privacy Policy will result in using your Personal Information acquired before the change in a materially new way, we will meet applicable legal requirements and provide you notice by a prominent post on our Site and/or email before using your Personal Information in the new way.

Information We Collect                                                             


Personal Information

We may collect information that personally identifies, relates to, describes, or is capable of being associated with you (“Personal Information”) including: 

  • Personal Identifiers and Contact Information (e.g., name, IP address, mailing address, email address, phone number, fax number, login credentials);
  • Characteristics of Protected Classifications Under California or Federal Law (e.g., gender, marital status);
  • Commercial Information (e.g., checking account number, shopping and purchase history, auto information (vehicle count, car insurance status, make/model/year, etc.), home ownership status);
  • Internet or Other Electronic Network Activity (e.g., browsing history, search history, other information regarding your use of our Site(s) or Services that can be associated with you);
  • Audio, Electronic, Visual, Thermal, Olfactory, or Similar Information (e.g., call recordings, chat transcripts, testimonials);
  • Professional or Employment-Related Information (e.g., occupation, employer);
  • Inferences drawn from the above categories of Personal Information that relate to your characteristics and preferences including preferences for insurance; and 
  • Personal Information as described in Cal. Civ. Code § 1798.80(e) to the extent collected under another category of Personal Information above.

Some of the Personal information listed above may be considered ‘Sensitive Personal Information’ under relevant laws.  This includes login credentials for residents of certain states.  Each type of Sensitive Personal Information may overlap with a category of Personal Information listed above.

The type of Personal Information we collect about you may vary based on how you use the Sites and/or Services and your relationship with us.

Deidentified and Aggregate Information

We may deidentify or aggregate personal information such that we can no longer reasonably associate it with an identifiable person. We may use and disclose deidentified and aggregate data for any business purpose permitted by applicable law. 

Usage Data and Site Activity

We automatically collect information in connection with the actions you take on our Sites. We refer to this type of information as “Usage Data”. Usage Data may include information about your device, browser, operating system and version, IP address, and internet service provider. It may also include information about your interactions with the Sites such as the pages you view, the page and search terms used to reach our Site, the date, time, and duration of your visit, and the your clicks to, from, and within our Sites. If we can reasonably associate this data with you, we treat it as Personal Information under the categories of Identifiers or Internet or other electronic network information, as appropriate. If we cannot reasonably associate this information with you, we treat it as anonymous Usage Data.

Communication Recordings

We may record calls and retain the content of written and electronic communications between you and us. By communicating with us, you consent to our recording and retention of communications.

Session Recording Software

We may use session recording software on the Site(s). This software enables us to record visitors’ use, interaction, and engagement with the Site(s). This software may capture user input, such as mouse and keyboard inputs and mobile gestures, and user views, such as browser or screen output. We use this software to help us optimize visitor experience. By using the Site(s), you consent to our use of session recording software.

How We Collect Information                                                                   


Voluntary Disclosure

We may ask you to provide Personal Information when you register with the Site(s), make a purchase, and at other times when you communicate with us online or offline. You are not required to provide us your Personal Information; however, certain features of the Site(s) or Services may not be available unless you provide the requested information.

Surveys

From time to time we, or service providers retained by us, may request Personal Information from you via surveys. Participation in these surveys is completely voluntary and you have a choice whether to disclose Personal Information. The requested information typically includes contact information (such as name and address) and product usage and preferences.

Third-Party Data Sources

We collect Personal Information from third-party data sources such as the United States Postal Service and data brokerage companies. This Personal Information may be appended to Personal Information we have already collected from or about you.

Cookies 

We use cookies and other automated data collection tools (collectively, “Cookies”) to collect Personal Information and Usage Data, improve the experience of the Site(s) and Services, and conduct cross-context behavioral or targeted advertising. You may opt-out of all cookies except those with critical functionality for the site by managing your “Cookie Preferences.” 

We use the following types of cookies:

  • Functional Cookies: Functional cookies are used to enable site functionalities and keep track of you or your information as you move from page to page within the Site(s). For example, session cookies stored on your browser allow your online shopping cart to function properly and resumes your session when you return to the Site.
  • Attribution Cookies: Attribution cookies reside on your system and allow us, and our Service Providers, and customize your experience if you leave and later return to the Site(s). For example, attribution cookies may allow us to remember your demographic information & preferences.
  • Advertising Cookies: Advertising cookies help us market our products to you and others.
  • Analytics Cookies: Analytics cookies help us understand how our Site(s) is working and who is visiting our Site(s).

If you want to reduce the overall volume of targeted advertising you receive, you can also visit the Digital Advertising Alliance (DAA) Consumer Choice Page and/or the Network Advertising Initiative Consumer Opt-Out Page. These websites allow you to opt-out of targeted advertising from member networks.

Social Media Widgets

The Site(s) may include social media features, such as the Facebook, YouTube, LinkedIn, and Twitter widgets. These features may collect information about your IP address and the pages you visit on our site as well as other Personal Information. A Cookie may be set to ensure that a feature properly functions. Your interactions with social media features are governed by the privacy policies of the companies that provide them and you should review the relevant privacy policies before interacting with these features.

Google Analytics

We use a web analytics tool from Google called “Google Analytics” that uses cookies to help us understand how you use the Site(s). To learn more about Google Analytics and your privacy, please review Google’s Safeguarding Your Data disclosure.

How We Use and Share Information                                                                  

Generally

We use Personal Information for internal purposes, such as to: 

Processing Purpose

Personal Information used

Provide you with the Site(s) and Services

All categories of Personal information. 

Process or complete transactions you requested

All categories of Personal Information. 

Improve the Site(s) and Services, including customization and personalization

All categories of Personal Information. 

Enhance your experience with the Site(s) and Services

All categories of Personal Information. 

Manage your relationship with us and provide you with customer support

All categories of Personal Information. 

Notify you of products and services via mail, email, telephone, and/or text messaging

  • Personal Identifiers and Contact Information
  • Internet or Other Electronic Network Activity 
  • Audio, Electronic, Visual, Thermal, Olfactory, or Similar Information
  • Personal Information as described in Cal. Civ. Code § 1798.80(e)

Develop and present to you recommendations and advertisements regarding our products and services and advertising tailored to your interests (such as targeted ads)

  • Personal Identifiers and Contact Information
  • Personal Information as described in Cal. Civ. Code § 1798.80(e)
  • Commercial Information 
  • Internet or Other Electronic Network Activity
  • Inferences drawn from other categories of Personal Information 

Comply with applicable legal requirements, industry standards, contractual obligations, our policies and terms and conditions, and take actions that we deem necessary to preserve and enforce our rights and the rights of others

All categories of Personal Information. 

Administer surveys, polls, sweepstakes, contests, promotional events, or to otherwise communication and interact with customers and consumers

  • Personal Identifiers and Contact Information
  • Internet or Other Electronic Network Activity
  • Personal Information as described in Cal. Civ. Code § 1798.80(e)

Protect our Sites, our customers, and/or our other users from fraud, hacking, and other harm

All categories of Personal Information. 

Operate information security and anti-fraud programs

All categories of Personal Information. 

Communicate with you about the Site(s), Services, and other matters via mail, email, telephone and/or text messaging

  • Personal Identifiers and Contact Information
  • Audio, Electronic, Visual, Thermal, Olfactory, or Similar Information
  • Internet or Other Electronic Network Activity
  • Personal Information as described in Cal. Civ. Code § 1798.80(e)

Cooperate with legal, criminal, or regulatory investigations or proceedings

All categories of Personal Information. 

Compile anonymous information and analyses

All categories of Personal Information. 

We use Sensitive Personal Information as follows:

  • Login credentials – to permit access to customers’ online accounts, and in connection with our legal obligations, and security and anti-fraud programs.

We may also use Personal Information and/or Sensitive Personal Information as described to you at the point of collection, with your consent, or as otherwise required or permitted by applicable laws. We use Sensitive Personal Information related to California residents solely for purposes permitted by 11 Cal. Code of Regs. § 7027(m).

Email Marketing

We may use your Personal Information to market products or services likely to be of interest to you, or to provide you with special offers and opportunities, via email. With respect to commercial email communications from us, you may opt out of these emails via a link in the footer of all commercial email messages.

You may also opt out of email marketing communications by emailing us at **email**

It may take up to 10 business days for us to fully process an opt-out request. We may send you other types of transactional and relationship e-mail communications, such as requests for additional information, confirmations, service updates or announcements, administrative notices, and surveys, without offering you the opportunity to opt out of receiving them. Please note that opting out of receipt of commercial e-mail communications will only affect future activities or communications from us. If we have already provided your information to a third party before you have changed your preferences or updated your information, you may have to change your preferences directly with that third party.

Reviews and Testimonials

If you provide a review, testimonial, or a photo for such purposes we may post it publicly on the Site(s) or in other advertising material without notice to you. By providing a review or testimonial or photo, you give us permission and consent to use it in any manner and for any purpose, including in marketing and advertising communications in any manner or medium.

Service Providers

We may disclose Personal Information to other businesses that provide services to us or on our behalf (“Service Providers”). Categories of Service Providers we use include:

  • Online hosting and maintenance;
  • Marketing and promotion design and management;
  • Payment processing;
  • Management of access to services;
  • Communication services;
  • Order fulfillment;
  • Data and document storage and management;
  • General business operations support; 
  • Identity and contact information validation;
  • Research and development purposes; 
  • Site and Service enhancement; and
  • Data security.

We only provide our Service Providers with the information necessary for them to perform these services on our behalf. Each Service Provider is expected to use reasonable security measures appropriate to the nature of the information involved to protect your Personal Information from unauthorized access, use or disclosure. Service Providers are prohibited from using Personal Information other than to provide services to us.

In the past 12 months, we may have disclosed each category of Personal Information to Service Providers.

Third-Party Disclosures 

We may disclose your Personal Information to companies who do not provide services to us (“Third Parties”) in ways that qualify as a “sale” or “sharing” (for targeted or cross-context behavioral advertising) under applicable privacy laws.  In the past 12 months, we have sold or shared Personal Information as follows: 

Category of Third Party

Sale or Share

Purpose of Sale or Share

Categories of Personal Information

Ad networks & ad technology providers

Share

To facilitate our advertising of goods and services

All categories of Personal Information

Business Partners, including those that facilitate consumer connections with insurance providers

Sale

To enable purchaser, or their affiliates or marketers when applicable, to market and provide their goods and/or services to you

  • Personal identifiers and contact information
  • Characteristics of protected classifications under California or federal law
  • Commercial information 
  • Professional/employment information 
  • Inferences
  • Personal information as described in Cal. Civ. Code § 1798.80(e)

Affiliates

Sale

To enable the purchaser to market and provide their goods and/or services to you

  • Personal identifiers and contact information
  • Characteristics of protected classifications under California or federal law
  • Commercial information 
  • Professional/employment information 
  • Inferences
  • Personal information as described in Cal. Civ. Code § 1798.80(e)

Insurance Companies and Agencies

Sale

To enable the purchaser to market and provide their goods and/or services to you

  • Personal identifiers and contact information
  • Characteristics of protected classifications under California or federal law
  • Commercial information 
  • Professional/employment information 
  • Inferences

Personal information as described in Cal. Civ. Code § 1798.80(e)

You can view a list of third parties we sell Personal Information to **list**.

Other Third-Party Disclosures

We may disclose your Personal Information to Third Parties for purposes such as: 

  • To advertising partners to facilitate transactions or interactions (e.g., marketing) requested by you.
  • To comply with the law.
  • To respond to legal requests (including court orders, investigative demands and subpoenas) if, in our discretion, we believe it is necessary or appropriate.
  • To prevent or stop any illegal, unethical, or legally actionable activity.
  • To protect the safety, property, or rights of ourselves, consumers, or any other third party.
  • If we are merged, acquired, or sold, or in the event of a divestiture, restructuring, reorganization, or transfer of some or all of our assets and the disclosure is necessary to complete the transaction. 
  • To businesses controlling, controlled by, or under common control with us as permitted by law.
  • For additional purposes with your consent where such consent is required by law.

Other Important Privacy Provisions                                                        

Security 

We recognize the importance of safeguarding the confidentiality of your Personal Information. Accordingly, we employ reasonable administrative, technical, and physical safeguards to protect such Personal Information from unauthorized access, disclosure, and use. Even with these safeguards, no data transmission over the Internet or other network can be guaranteed 100% secure. As a result, while we strive to protect information transmitted on or through our Site(s) we cannot, and do not, guarantee the security of any information you transmit on our Site(s), and you do so at your own risk.

Links and Other Websites 

Our Sites may contain links to third party websites. Please be aware that third-party websites accessible through the Site(s), including websites/webpages of affiliated companies that are not domiciled in the United States, may have their own privacy and data collection policies and practices. We are not responsible for any actions, content of websites, or privacy policies of such third parties. You should check the applicable privacy policies of those third parties when providing information through linked websites.

Training of Large Language Models

Large language models are a type of artificial intelligence that can create human-like text and perform other language-like tasks. These models are often trained on vast amounts of written text. We do not collect, use, or sell Personal Information to train large language models. 

How Long We Retain Your Data

We retain your Personal Information for as long as we have a relationship with you. We also retain your Personal Information for a period of time after our relationship with you has ended where there is an ongoing business need to retain it. This includes retention to comply with our legal, regulatory, tax and/or accounting obligations. We do so in accordance with our data retention policies and applicable law.

Children’s Privacy 

The Site(s) are not intended for children under the age of 18 and we do not knowingly collect Personal Information from children under the age of 18. If we become aware that we have inadvertently received Personal Information from a child under the age of 18, we will delete such information from our records.

Access & Correction

If you would like to receive access to your information and/or request the correction of inaccurate information, you may do so by calling us at 866-783-9031, sending an email to legal@melonlocal.com, or by sending a written request to the following postal address:

Melon Local, LLC
Attn:
6760 Surrey Street
Las Vegas, NV 89119

Additional State Privacy Rights                                                                 

If you are a resident of California, Colorado, Connecticut, Delaware, Indiana, Iowa, Kentucky, Maryland, Minnesota, Montana, Nebraska, Nevada, New Hampshire, New Jersey, Oregon, Rhode Island, Tennessee, Texas, Utah, or Virginia, you may have additional rights to access and control your Personal Information. Consumer privacy rights for residents of these states include:

Right to Access and Portability

You have the right to request twice per twelve-month period that we provide you (i) the categories or specific pieces of Personal Information we collected about you; (ii) the categories of sources from which your Personal Information was collected; (iii) the business or commercial purpose for which we collected your Personal Information; and (iv) the categories of Third Parties with whom we sold, shared, or disclosed your Personal Information, including the categories of Personal Information sold, shared, or disclosed to each and the purposes for doing so. We are not permitted to provide access to specific pieces of Personal Information that creates a high risk of potential harm from disclosure to an unauthorized person such as social security numbers and driver’s license numbers.

If you are a Connecticut, Oregon, or Minnesota resident, you have the right to request twice per 12-month period that we provide you with a list of specific Third Parties to whom we disclosed your Personal Information or (b) any Personal Information. If we do not maintain such information in a format specific to you, we will instead provide you with the names of Third Parties to whom we disclosed any consumers’ personal information.

Right to Deletion

You have the right to request that we delete any Personal Information we have collected about you. Please understand that we are not required to honor a deletion request if we need the information to complete a requested or reasonably anticipated transaction, prevent security incidents or fraud, enable internal uses that are reasonably aligned with your expectations, comply with legal obligations, or perform other functions permitted by law. We will retain a copy of your deletion request for at least two years as required by law.

Right to Correction 

You have the right to request that we correct inaccurate Personal Information that we maintain about you. After you request to correct inaccurate Personal Information, we will provide instructions for you to provide us with optional documentation to support your request and we will consider it. We may decline to correct your Personal Information if a legal exemption applies such as if we determine that your request is fraudulent or abusive or if we determine, based on the totality of the circumstances, that your correction is more likely inaccurate than accurate. We may decide to delete your allegedly inaccurate Personal Information instead of correcting it.

Right to Opt-Out of Data Sharing and Sales

You have the right to direct us not to sell or share (for targeted or cross-context behavioral advertising purposes) your Personal Information to Third Parties.

Right to Restrict Data Processing for the Purpose of Profiling

You have the right to request that we stop using your Personal Information for data processing for the purposes of profiling. 

Right to Appeal (Excluding California residents)

You have the right to appeal our decision to deny, in full or in part, one or more of your privacy requests. We will process appeal requests within 45 days of receipt, subject to any applicable exemptions and extensions permitted by law. If we deny your appeal, we will provide you with a written explanation of the reasons for our decision. If you are not satisfied with our explanation for the denial of your appeal, you may have an additional right under certain laws to contact your state Attorney General to submit a complaint about the appeal results. In such case, we will provide you with instructions for doing so. The right to appeal does not apply to California residents.

Non-Discrimination Notice

We will not discriminate against any consumer for exercising their privacy rights under law or under this Privacy Policy. 

Authorized Agent

If you are an authorized agent submitting a request for another person, you must provide a copy of a lawful power of attorney or written authorization from the person (along with proof of your identity). You will be provided options on how to provide this documentation after submitting the request. We may contact you or the person on whose behalf you claim to act to verify your authorization.

Nevada Opt-Out Right

If you are a resident of Nevada you have the right to direct us not to sell your Personal Information to Third Parties.

California “Do Not Track” Disclosure

Do Not Track is a web browser privacy preference that causes the web browser to broadcast a signal to websites requesting that a user’s activity not be tracked. Currently, our Site(s) and Services do not respond to “do not track” signals.

Exercising Your Rights                                                                            

 

You may exercise your privacy rights by calling us at 866-783-9031, by sending an email to legal@melonlocal.com, or by sending a written request to the following postal address:

Melon Local, LLC
Attn: Compliance Department
6760 Surrey Street
Las Vegas, NV 89119

Please be specific in your request and provide sufficient information to allow us to locate your Personal Information in our systems based on your request. We may request additional information from you to verify your identity or locate your Personal Information. We will acknowledge receipt of your request within 10 days. We will respond to verified access, correction, and/or deletion requests within 45 days, but we may extend the time for response by an additional 45 days if an extension is reasonably necessary and we inform you of the extension. We will process opt-out requests as soon as possible within 15 business days, subject to any applicable exceptions and extensions permitted by law.

You may also adjust your cookie preferences by using our Cookie Consent Preference Tool. The Cookie Consent Preference Tool gives you the ability to manage your cookie preferences based on the category of cookies used. Note that strictly necessary cookies may never be disabled. You may access the Cookie Consent Preference Tool by clicking the Manage My Cookie Preferences link in the Site footer at any time. 

Authorized Agent

If you are an authorized agent submitting a request for another person, you must provide a copy of a lawful power of attorney or written authorization from the person (along with proof of your identity). You will be provided options on how to provide this documentation after submitting the request. We may contact you or the person on whose behalf you claim to act to verify your authorization.

California “Do Not Track” Disclosure                                                                            

Do Not Track is a web browser privacy preference that causes the web browser to broadcast a signal to websites requesting that a user’s activity not be tracked. Currently, our Site(s) and Services do not respond to “do not track” signals.

California “Do Not Track” Disclosure                                                                            

If you have any questions about our Sites, Services, or this Privacy Policy, please contact us at legal@melonlocal.com or by mail at:

Melon Local, LLC
Attn: Compliance Department
6760 Surrey Street
Las Vegas, NV 89119