Privacy Notice

Introduction

We respect your privacy rights and have implemented this policy to give you transparency on how information you provide to us is used, stored, and protected.

Carbon Insurance, Inc. and its affiliates (“Company” or “We” or “Us”) respects your privacy and We are committed to protecting it through our compliance with this Privacy Policy.

This policy describes the types of information we may collect from you or that you may provide when you visit the website www.carboninsurance.co (our “Website“) or use any of our or other features we provide to you (such features with the Website, the “Content”) and our practices for collecting, using, maintaining, protecting, and disclosing that information. This Privacy Policy incorporates by reference that certain Supplementary Privacy Policy for Residents of California (the “California Notice”), which provides certain extra rights to residents of California.  Capitalized terms that are not defined in this Privacy Policy have the meanings set forth in the Terms of Use. If the terms of this Privacy Policy conflict with other Terms of Use, the terms of this Privacy Policy shall govern.

This policy applies to information we collect:

• On our Content.
• In email, text, and other electronic messages between you and us or others that are sent through or to our Content.
• Through mobile and desktop applications you download from our Content and which provide dedicated non-browser-based interaction between you and our Website.
• When you interact with our applications on third-party websites and services, if those applications include links to this policy; and
• Any other information We collect from you through electronic means.

It does not apply to information collected by:

• Us offline or through any other means, including on any other website operated by Company or any third party (including our affiliates and subsidiaries); or 
• Any third party (including our affiliates and subsidiaries), including through any application or content (including advertising) that may link to or be accessible from or through the Content.

Please read this policy carefully to understand our policies and practices regarding your information and how we will treat it. If you do not agree with our policies and practices, YOUR ONLY REMEDY OR COURSE OF ACTION IS TO NOT USE OUR CONTENT OR SERVICES ACCESSED THROUGH OUR CONTENT. By accessing, downloading, or using any of our Content, you agree to this Privacy Policy. This policy may change from time to time (see Changes to Our Privacy Policy). Your continued use of our Content after we make changes is deemed to be acceptance of those changes, so please check the policy periodically for updates. We may, but will not always, notify you of changes to our Privacy Policy.

Children Under the Age of 16

Our content is not intended for minors.

Our Content is not intended for children under 16 years of age. No one under age 16 may provide any information to, on, or through our Content. We do not knowingly collect personal information from children under 16. If you are under 16, do not use or provide any information on our Content or through any of its features, register for our Content, make any purchases through our Content, use any of the interactive or public comment features of  our Content, or provide any information about yourself to us, including your name, address, telephone number, email address, or any screen name or user name you may use. If we learn we have collected or received personal information from a child under 16 without verification of parental consent, we will delete that information. If you believe we might have any information from or about a child under 16, please contact us at: help@carboninsurance.co  or at: 1389 Center Dr., Suite #200, Park City, UT 84098.

Information We Collect About You and How We Collect It

We collect information that you provide to us, that we collect from third parties, or that we collect using cookies, common analytics features, and similar means.

We collect several types of information from and about users of our Content, including information:

• By which you may be personally identified, including without limitation your, name, postal address, email address, and any other information We must collect in order to provide you with services you request or use, and which may be used to identify or contact you online or offline (all such information “personal information“);
• Other information you provide to us that is not personal information; and/or
• About your internet connection, the equipment you use to access Content (including information about computers, mobile phones, and other devices), and usage details.

We collect this information:

• Directly from you when you provide it to us.
• Automatically as you use our Content. Information collected automatically may include usage details, IP addresses, and information collected through cookies and web beacons.
• From third parties, for example, our business partners.
• Using analytics features available to us through your device.

Information You Provide to Us  

The information we collect on or through our Content may include:

• Information that you provide by filling in forms on our Content or otherwise using our Content as intended. This includes information provided at the time of registering to use our Content, subscribing to or otherwise using our services, or requesting further services. We may also ask you for information as needed to assist in providing our services or when you report a problem with our Content.
• Records and copies of your correspondence (including email addresses), if you contact us, or as needed for us to provide you with the services you request.
• All information required to provide you with our Content and associated services.
• Your responses to questions that we might ask you to complete for research or product development purposes.
• Details of how you use our Content or browse our Website; and
• Any other information you provide directly to Us.

Information We Collect Through Automatic Data Collection Technologies  

As you navigate through and interact with our Website, we may use automatic data collection technologies to collect certain information about your equipment, browsing actions, and patterns, including:

•  Details of your visits to our Website, including traffic data, location data, logs, and other communication data and the resources that you access and use on the Website.
• Information about your computer and internet connection, including your IP address, operating system, and browser type.

The information we collect automatically may include personal information, and we may maintain it or associate it with personal information we collect in other ways or receive from third parties. Doing so helps us improve our Content and deliver a better and more personalized service, including by enabling us to:

• Estimate our audience size and usage patterns.
• Store information about your preferences, allowing us to customize our Content according to your individual interests.
• Speed up your use of our Content.
• Recognize you as a repeat user of our Content

The technologies we use for this automatic data collection may include:

• 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 Website or Content. 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 or Content. 
• Web Beacons. Pages of our Website and Content and our emails may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit the Company, for example, to count users who have visited those pages or opened an email and for other related website statistics (for example, recording the popularity of certain website content and verifying system and server integrity). 
• Flash Cookies. Certain features of our Website or Content may use local stored objects (or Flash cookies) to collect and store information about your preferences and navigation to, from, and on our Website or Content. Flash cookies are not managed by the same browser settings as are used for browser cookies. For information about managing your privacy and security settings for Flash cookies, see Choices About How We Use and Disclose Your Information.

Special Rules for Job Applicants

In addition to the other forms of data collection specified in this Privacy Policy, we may collect information from third parties, such as references from previous employers. You also may be asked to provide additional information, to us or third parties, for purposes of background checks and to satisfy other employment-related obligations.

Third-Party Use of Cookies and Other Tracking Technologies

Third-party integrations on our Website or Content may employ tracking technologies, and We have no control over how information acquired from such technologies gets used.

Some content or applications on our Content is provided by third-parties. These third parties may use cookies, alone or in conjunction with web beacons or other tracking technologies, to collect information about you when you use our website. The information they collect may be associated with your personal information or such third party providers may collect information, including personal information, about your online activities over time and across different websites and other online services. They may use this information to provide you with interest-based (behavioral) advertising or other targeted content. 

We do not control these third parties’ tracking technologies or how they may be used. If you have any questions about an advertisement or other targeted content, you should contact the responsible provider directly. For information about how you can opt out of receiving targeted advertising from many providers, see Choices About How We Use and Disclose Your Information.

Non-Disclosure of Information

You may opt out of the collection of your personal information at any time, though doing so may interfere with our ability to provide you with our services.

You may, at any time and any reason, opt out of our collection of information about you by clicking DO NOT COLLECT MY PERSONAL INFORMATION. You understand that we may be unable to provide you with our Content or any related services without collecting your personal information.

How We Use Your Information

We use your information to provide you with the services you request, and internally to optimize our services.

We use information that we collect about you or that you provide to us, including any personal information:

• To present our Contents to you;
• To provide you with information, products, or services that you request from us.
• To fulfill any other purpose for which you provide it.
• To provide you with notices about your account and the services we provide, including expiration and renewal notices.
• To carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing and collection.
• To notify you about changes to our Content or any products or services we offer or provide through it.
• For any other legitimate business purpose that is consistent with this Privacy Policy.
• In any other way we may describe when you provide the information.
• For any other purpose with your consent.

WE DO NOT SELL YOUR INFORMATION OR USE YOUR INFORMATION TO TARGET YOU WITH ADVERTISEMENTS.

We may also use your information to contact you about our own and third-parties’ services that may be of interest to you. If you do not want us to use your information in this way, please click DO NOT COLLECT MY PERSONAL INFORMATION. For more information, see Choices About How We Use and Disclose Your Information.

Disclosure of Your Information

We may disclose your information when required by law, for legitimate business purposes, and to provide you with the services you request. We disclose as little of your information as possible  to fulfill the purposes for which it is being disclosed.

We may disclose aggregated information about our users, and information that does not identify any individual, and which cannot be paired with other information (either in or out of our control) to identify an individual, without restriction. 

We may disclose personal information that we collect or you provide as described in this Privacy Policy:

• To our subsidiaries and affiliates.
• To contractors, service providers, and other third parties, including business partners, that We use to support our business operations and to provide You with our services, and who are bound by contractual obligations to keep personal information confidential and use it only for the purposes for which we disclose it to them.
• To a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information is held by us about our Content or users is among the assets transferred.
• To third parties to market their products or services to you if you have not opted out of]these disclosures. We contractually require these third parties to keep personal information confidential and use it only for the purposes for which we disclose it to them. For more information, see Choices About How We Use and Disclose Your Information.
• To fulfill the purpose for which you provide it. 
• For any other purpose disclosed by us when you provide the information.
• For any legitimate business purpose not otherwise precluded by this Privacy Policy.
• With your consent.

We may also disclose your personal information:

• To comply with any court order, law, or legal process, including to respond to any government or regulatory request.
• To enforce or apply our Terms of Use and other agreements between you and Us, including for billing and collection purposes.
• If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of Carbon Insurance, Inc., our customers, or others. This includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction.

The categories of personal information we may disclose include:

• Names
• Company name and identifying information
• Addresses
• Email addresses
• IP Addresses
• Professional Titles
• Telephone numbers 
• Information about insurance policies you may have with us

Choices About How We Use and Disclose Your Information

We only disclose your personal information for purposes of providing or optimizing the services we provide to you, including the Content.

To the extent that You use any third-party integrations on our Content, We do not control third parties’ collection or use of your information to serve interest-based advertising. However these third parties may provide you with ways to choose not to have your information collected or used in this way. You can opt out of receiving targeted ads from members of the Network Advertising Initiative (“NAI“) on the NAI’s website located at Home – NAI: Network Advertising Initiative (thenai.org).

Current Uses and Disclosure of Your Information

The following chart describes the ways in which we currently use information you provide to us. Note that certain information you provide to us is not protected by general privacy or data security laws.

 

 

How Your Data is Transferred

We may transfer, store, and process your information in countries other than your own.

Our servers are located in the United States. If you are accessing our Services from outside the United States, please be aware that your information may be transferred to, stored, and processed by us in our facilities and by those third parties with whom we may share your personal information, in the United States and other countries.

If you’re a non-United States resident, then we may not have data protection or other laws as comprehensive as those in your country. However, we will take measures to protect your personal information in accordance with this Privacy Notice and applicable law.

 

State-Specific Rights

Residents of certain states, such as California, Nevada, Colorado, Connecticut, Virginia, and Utah, may have additional personal information rights and choices. Please see Your State Privacy Rights for more information.

Accessing and Correcting Your Information

You may access or correct any information we collect about You by following the processes described below.

You may exercise your right to access or correct your information by sending Us an email at: help@carboninsurance.co to request access to, correct or delete any personal information that you have provided to us. We cannot delete your personal information except by also deleting your User Account. We may not accommodate a request to change information if we believe the change would violate any law or legal requirement or cause the information to be incorrect.

If you delete your User Contributions from the Website or Content, copies of your User Contributions may remain viewable in cached and archived pages, or might have been copied or stored by other Website or Content users. Proper access to and use of information provided on the Website or Content, including User Contributions, is governed by our Terms of Use.

Residents of certain states, such as California, Nevada, Colorado, Connecticut, Virginia, and Utah may have additional rights and choices related to access and correcting of personal information. Please see Your State Privacy Rights for more information.

Your State Privacy Rights

Residents of certain states have additional privacy rights.

State consumer privacy laws may provide their residents with additional rights regarding our use of their personal information. To learn more about California residents’ privacy rights, visit State Policy California’s “Shine the Light” law (Civil Code Section § 1798.83) permits users of our Website and Content that are California residents to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please send an email to” help@carboninsurance.co or write us at: 1389 Center Dr., Suite #200, Park City, UT 84098.

Colorado, Connecticut, Virginia, and Utah each provide their state residents with rights to:

• Confirm whether we process their personal information.
• Access and delete certain personal information.
• Data portability.
• Opt-out of personal data processing for targeted advertising and sales.

Colorado, Connecticut, and Virginia also provide their state residents with rights to:

• Correct inaccuracies in their personal information, taking into account the information’s nature processing purpose.
• Opt-out of profiling in furtherance of decisions that produce legal or similarly significant effects. 

To exercise any of these rights please contact us at: help@carboninsurance.co or 1389 Center Dr., Suite #200, Park City, UT 84098.

To appeal a decision regarding a consumer rights request, please contact us at: help@carboninsurance.co or write us at: 1389 Center Dr., Suite #200, Park City, UT 84098, making sure to include the word “Appeal” in the subject of the email or letter, and to include a detailed statement of the facts and/or law underpinning your appeal. We will respond in writing within thirty (30) days of receipt of such appeal.

Nevada provides its residents with a limited right to opt-out of certain personal information sales. Residents who wish to exercise this sale opt-out rights may submit a request to this designated address: help@carboninsurance.co.

Data Security

We have implemented strong measures to protect your information.

We have implemented measures designed to secure information you provide to Us, including your personal information and other proprietary, business, or statistical information from accidental loss, unauthorized access, use, alteration, and disclosure. 

Unfortunately, the transmission of information via the internet is not completely secure. Although we do our best to protect your personal information, we cannot guarantee the security of information transmitted or provided to our Content. Any transmission of personal information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on the Content.

Changes to Our Privacy Policy

It is our policy to post any changes we make to our privacy policy on this page. If we make material changes to how we treat our users’ personal information, we may, but are not required to, notify you by email to the primary email address specified on your account. The date this Privacy Policy was last revised is identified at the top of the page. You are responsible for ensuring we have an up-to-date active and deliverable email address for you, and for periodically reviewing our Terms of Use, including this Privacy Policy, to check for any changes.

Dispute Resolution

You agree to attempt to resolve any dispute between You and Us regarding this Agreement through good faith negotiations or the means described in our Terms of Use.

Contact Information

To ask questions or comment about this privacy policy and our privacy practices, contact us at: help@carboninsurance.co or call us at: +1 (435) 200-3222.