PRIVACY POLICY

This Privacy Policy shall apply to www.getmargo.com (the “Website”), a Website owned and operated by Insurance Coverage Group, LLC d/b/a Margo and Margo Insurance, a Pennsylvania limited liability company, ("Margo", “our", "us", "we" or “the Company”).

Margo is concerned about privacy issues, and wants you to be familiar with how we collect, use and disclose information you provide to us while visiting our Website. This Privacy Policy describes our practices in connection with information that we collect through our Website. By using our Website, you agree to the terms and conditions of this Privacy Policy.

Any personal data (for example, your name, address, residential or wireless telephone number or e-mail address) you transmit to the Website by electronic mail or otherwise will be used by Margo in accordance with this Privacy Policy. Any other communication, information, or material you transmit to the Website, such as questions, comments, suggestions or the like, will be treated as non-confidential and nonproprietary.


HOW WE GATHER INFORMATION

As with most websites, our Website collects information about you and your use of the Website in two different ways: through the collection of User Submitted Data and Browser Derived Data.

(1) User Submitted Data is information you personally select to contribute by means of typing in, for example, your name and address into a submission form. Some User Submitted Data identifies you as an individual, such as your name, postal address, email address, home and/or wireless telephone numbers. This type of information is referred to as your “Personal Information”. Some other User Submitted Data you may choose to submit to us is information about you, but which does not personally identify you, such as your age or your weight.

(2) Browser Derived Data is information you did not personally select to contribute by typing it into a form or otherwise, but which is instead provided by your access to, and use of, the internet and an internet browser to connect to our Website, such as: browser specific information, server log file information, information collected through cookies, pixel tags and other technologies, and location information. This type of information is referred to as your “Non-Personal Information”.

Our collection of these types of data and information is included in this Privacy Policy.


PERSONAL INFORMATION

Personal Information We Collect

“Personal Information” is information that identifies you as an individual, such as:

- Name

- Postal address

- Telephone number

- Email address

- Credit or debit card number

In some cases, we may collect additional information, such as your age, weight, existing health and disease conditions, whether or not you use tobacco, how many children you have and the gender of your children, which does not identify you personally, in combination with your Personal Information. We will treat all such information as Personal Information as long as it is combined with Personal Information.

We collect Personal Information when you interact with us on the Website, including as you enter one of our forms or otherwise contact us through the Website. We may associate Personal Information you provide through the Website with Personal Information collected from other sources. We will use the combined information in accordance with this Privacy Policy as long as it is combined.


How We Use Personal Information

We may use Personal Information:

- When you request, to connect you to Margo, its agents, and any insurance carrier you apply for insurance with through us, so that they can provide you with information and assistance about such matters as our Company, our Website, insurance-related matters, and the products and services we offer.

- When you’ve submitted Personal Information to us that includes your telephone number (which submission you understand and agree to constitute making an “inquiry” to us and our affiliated entities), to contact you via telephone for a limited period. You expressly consent to receive phone calls whether or not you are on the Do Not Call list (federal or state). By including your telephone number and/or email address in any submission, you are extending an express invitation and providing your express written consent to us, and to any insurance carrier you apply for insurance with through us, (i) to contact you by telephone at the numbers you have provided (including through auto-dialed, pre-recorded, artificial voice and/or text messages) so we or they may assist you with your transaction, and you hereby consent to any such calls even if your phone number is on any Do Not Call list, and (ii) to contact you by email at any email address you provided. You understand that you are not required to provide your consent as a condition of purchasing any goods or services. You represent that all of the information you have provided in your submission is true and complete. By submitting your Personal Information to us, you are providing us with your written and signed consent to receive telemarketing calls. You agree that getmargo.com has obtained your consent to receive a prerecorded message sales call in a manner permitted by the Electronic Signatures In Global and National Commerce Act (E-SIGN Act).

- When you begin to submit Personal Information on a form and then abandon the form, to contact you to see if you would like to complete your submission at a later date and to help you do this.

- to respond to your inquiries, to fulfill your requests, and to provide you with information, assistance, and products and services relating to insurance matters.

- to send you important information regarding the Website, our Company, changes to our terms, conditions and policies and/or other administrative information.

- to provide you with surveys and marketing communications, such as email updates and announcements concerning our products, services, promotions and programs that we believe may be of interest to you.

- to personalize your experience on the Website by presenting advertising, products and offers tailored to you.

- to re-contact you if we have not heard from you in a while,

- to allow you to send messages to a friend through the Site. By using this functionality, you are telling us that you are entitled to use and provide us with your friend’s name and email address.

- for our business purposes, such as data analysis, audits, developing new products, enhancing our Site, improving our products and services, identifying usage trends, determining the effectiveness of our promotional campaigns, gauging customer satisfaction and providing customer service (including troubleshooting in connection with customer issues), and tailoring the Website experience and content based on your past activities on the Website.

- if you purchase a product or service from or through us, to complete and fulfill your purchase, for example, to have your payments processed, communicate with you regarding your purchase and provide you with related customer service.

- to send you advertising/promotional material from some of our affiliates, advertising and strategic partners.

We also may use User Submitted Data as we believe to be necessary or appropriate under applicable law, including laws outside the United States: (a) to comply with legal process; (b) to respond to requests from public and government authorities including public and government authorities outside the United States; (c) to enforce our terms and conditions; (d) to protect our operations or those of any of our affiliates; (e) to protect our rights, privacy, safety or property, and/or that of our affiliates, you or others; and (f) to allow us to pursue available remedies or limit the damages that we may sustain.

User Submitted Data you provide through the Site may also be combined with other information you provide to us (via online or offline means), with demographic information and other information that is publicly available, or with other information about you that we may otherwise obtain online or offline.


How Personal Information is Disclosed

Your Personal Information may be disclosed:

to our affiliates for the purposes described in this Privacy Policy.

to our third party service providers who provide services such as contact information verification, payment processing, order fulfillment, customer service, website hosting, data analysis, data storage, infrastructure provision, IT services, email delivery services, auditing services and other similar services to enable them to provide such services.

if you request information from vendors so that they (or so that third parties who provide similar services) can provide you with information about their products and services. For example, when you choose to get a quote for or request more information for insurance from a specific carrier, the Personal Information you provide about yourself is shared with relevant third parties necessary to fulfill your request. We may share this information with insurance carriers and others to help fulfill your request. When you make an inquiry about an insurance quote, by entering your Personal Information and clicking on the “Submit,” “Get Quotes” or any similar button, you are authorizing the sharing of your inquiry and your Personal Information with Margo, its agents, and insurance carriers who provide insurance products or services that match your inquiry. By submitting your information to us, you are also authorizing these businesses to contact you directly by email and telephone with information about financial or insurance products or services they offer that match your inquiry. We are not responsible or liable for the use of your Personal Information by these third party businesses.

if you choose to send messages through the Website, to identify you as the sender to the recipient indicated by you. We will ask you for such recipient’s name and email address and we store both email addresses for the purpose of sending such message.

by you, on message boards, chat, profile pages and blogs and other services to which you are able to post information and materials. Please note that any information you post or disclose through these services will become public information, and may be available to visitors to the Website and to the general public.

by you, if you have provided a testimonial about a Site and given us permission to post that testimonial on the Site.

to a third party in the event that Margo goes through a business transition, such as a merger, sale, joint venture, assignment, transfer, acquisition by another company, or sale of all or a portion of its assets, reorganization, or, in the unlikely event of a bankruptcy, in any of these circumstances your Personal Information will likely be among the assets transferred. You will be notified via email or prominent notice on this website for thirty (30) days of any such change in ownership or control of your Personal Information.

as we believe to be necessary or appropriate: (a) under applicable law, including laws outside your country of residence; (b) to comply with legal process; (c) to respond to requests from public and government authorities including public and government authorities outside your country of residence; (d) to enforce our terms and conditions; (e) to protect our operations or those of any of our affiliates; (f) to protect our rights, privacy, safety or property, and/or that of our affiliates, you or others; and (g) to allow us to pursue available remedies or limit the damages that we may sustain.


NON-PERSONAL INFORMATION

noten-Personal Information We Collect

“Non-Personal Information” is any information that does not reveal your specific identity, such as:

- Browser information

- Information collected through cookies, pixel tags and other technologies

- Demographic information and other information provided by you or others

- Aggregated information


How We Collect Non-Personal Information

We may collect Non-Personal Information from you, including your Internet Protocol (IP) address, your computer type, screen resolution, operating system type and version, and Internet browser, as well as demographic data, for example, your location, educational degree, income, age, weight, type of insurance, diabetic or smoking-related statistics. We also aggregate Personal Information in a manner such that the end-product does not personally identify you or any other user of the Website, for example, by using Personal Information to calculate the percentage of our users who have a particular telephone area code. We may also collect Non-Personal Information through the use of cookies, pixel tags, web beacons, or other similar technologies — for example to help identify you and maintain your signed-in status or to measure the effectiveness of email communications. Through the use of a cookie or similar technology, we may store your non-personally identifiable registration information and user preferences and may also automatically collect information about your online activity on the Website, such as the web pages you visit, the links or advertisements you click, or the other actions you conduct while on the Website. However, we do not store Personal Information in cookies, and we do not tie tracking cookies used for behavioral or targeted advertising purposes to any Personal Information you submit while on our Website. Because we do not collect or use Personal Information to track your browsing activity across multiple sites, or associate Personal Information with information collected through mechanisms that track your browsing activity across multiple sites, we do not observe the “do not track” headers offered by certain browsers. If you do not want information collected through the use of cookies, there is a simple procedure in most browsers that allows you to decline the use of cookies; however, some of the features and services of our Website may not function properly if your cookies are disabled. To learn more about cookies, please visit http://www.allaboutcookies.org/.


How We Use and Disclose Non-Personal Information

Because Non-Personal Information does not personally identify you, we may use and disclose Non-Personal Information for any lawful purpose; however, without your affirmative express consent, we will not share with third parties (or permit third-party advertising networks to collect on the Website) your information of a sensitive nature (such as information about your health or about your precise physical location) combined with a device-specific identifier (like your IP address) so that they can target ads to you on multiple websites or track your Internet behavior over time. In some instances, we may combine Non-Personal Information with Personal Information (such as combining your name with your geographical location). If we combine any Non-Personal Information with Personal Information, the combined information will be treated by us as Personal Information as long as it is combined.


IP Addresses

Your “Internet Protocol Address” or “IP Address” is a number that is automatically assigned to the computer that you are using by your Internet Service Provider (ISP).


How We Log IP Addresses

An IP Address is identified and logged automatically in our server log files whenever a user visits the Website, along with the time of the visit and the page(s) that were visited. Collecting IP Addresses is standard practice on the Internet and is done automatically by many websites.


How Do We Use and Disclose IP Addresses?

We use IP Addresses for purposes such as calculating Site usage levels, helping diagnose server problems, geographic mapping and administering the Website. We may also use and disclose IP Addresses for all the purposes for which we use and disclose Personal Information. Please note that we treat IP Addresses, server log files and related information as Non-Personal Information, except where we are required to do otherwise under applicable law.


THIRD PARTY SITES

This Privacy Policy does not address, and we are not responsible for, the privacy, information, or other practices of any third parties, including any third party operating any website to which our Website contains a link or a widget. The inclusion of a link on our Website does not imply endorsement of the linked site by us or by our affiliates. We may also utilize framing techniques that may make it appear that you are still on our Website when you are actually on a third party web site.


THIRD PARTY PARTNERS AND VENDORS

We also work with vendors and partners in operating and improving the Website. These vendors and other partners include advertisers (including both banner and text advertising), advertising networks and web analytics companies. These partners and vendors use cookies, web beacons and other technologies to collect Non-Personal Information about your online activity (e.g., the Website and pages you have visited at the Website and at times other third party sites) in order to: help us manage our business, understand user interests and trends and deliver personalized content and advertising to you while you are on the Website or on other sites. Please note that, although third-party advertising networks and other marketing partners are not permitted to collect (through cookies or otherwise) Personal Information you submit on our Website, we have no access to or control over third-party cookies and so our Privacy Policy does not cover how these third parties may disclose and use the Non-Personal Information they collect. You can opt out of some of our vendors’ and partners’ use of cookies and other technologies to tailor personalized content or advertising to you by visiting http://networkadvertising.org/optout_nonppii.asp. Please note that if you delete all cookies, the opt-out cookie may be deleted and you will need to perform the opt out again. For more information, see http://www.networkadvertising.org/managing/faqs.asp#question_11.

Our Website may include social media features, such as the Facebook, Like, or Tweet This Button. These features may collect your IP Address, which page you are visiting on our Website, and may set a cookie to enable the feature to function properly. These features are either hosted by a third party or hosted directly on our Website. Your interactions with these features are governed by the privacy policies of the companies providing them. PLEASE NOTE THAT WE ARE NOT RESPONSIBLE OR LIABLE FOR THE ACTS AND/OR OMISSIONS OF THIRD PARTY PARTNERS AND VENDORS.


SECURITY

We use reasonable organizational, technical and administrative measures to protect Personal Information under our control. For example, with regard to our internal operations, only authorized employees and authorized third party service providers are permitted to access Personal Information, and they may do so only for permitted business functions. Unfortunately, no data transmission over the Internet or data storage system can be guaranteed to be 100% secure. If you have reason to believe that your interaction with us is no longer secure (for example, if you feel that the security of any account you might have with us has been compromised), please immediately notify us of the problem by contacting us in accordance with the “Contacting Us” section below.


The security of your Personal Information is important to us. When you enter sensitive information (such as credit card number and personal health information) on our forms, we encrypt that information once it is entered.


CHOICES AND ACCESS

We give you choices regarding our use and disclosure of your Personal Information for marketing purposes. You may opt-out from:

Receiving electronic marketing communications from us and our affiliates: If you no longer want to receive marketing-related emails from us and our affiliates on a going-forward basis, you may opt-out of receiving these marketing-related emails by emailing us at unsubscribe@getmargo.com or by using the “unsubscribe” link in our emails and following the instructions to unsubscribe. 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 marketing 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.

Our sharing of your Personal Information with unaffiliated third parties for their marketing purposes: If you would prefer that we do not share your Personal Information on a going-forward basis with unaffiliated third parties for their marketing purposes, you may opt out of this sharing by contacting us at as further explained in “How you can access, change or suppress your Personal Information” below and requesting that we suppress all of your Personal Information on a going-forward basis. Please note that if you opt out of such sharing, we will not be able to remove your Personal Information from the databases of third parties with which we have already shared your Personal Information (i.e., to which we have already provided your Personal Information as of the date that we implement your opt-out request). If you wish to cease receiving marketing-related emails from these third parties, please contact them directly or utilize any opt-out mechanisms in their privacy policies or marketing-related emails. We will seek to comply with your request(s) as soon as reasonably practicable.

SMS messages. If you are receiving SMS messages from us, you may opt out from further SMS messages and remove your SMS information from our database by responding “STOP” to the SMS text message you have received.


How you can access, change or suppress your Personal Information

If you would like to review, correct, update, suppress or delete, on a going-forward basis, our use of your Personal Information that has been previously provided to us, you may do so by contacting us at privacy@getmargo.com and providing the name of the service for which information was provided, your full name, mailing address, phone number and email address so that we may identify you in the opt-out process. For your protection, we will only implement such requests with respect to the Personal Information associated with the particular email address that you use to send us your request, and we may need to verify your identity before implementing your request.

In your request, please make clear what information you would like to have changed, whether you would like to have your Personal Information suppressed from our database or otherwise let us know what limitations you would like to put on our use of your Personal Information. We will respond to your request within 30 days. In some cases, we may not be able to remove your Personal Information, in which case we will let you know if we are unable to do so and why. We may decline to process requests that are unreasonably repetitive or systematic, require disproportionate technical effort, jeopardize the privacy of others, or would be extremely impractical (for instance, requests concerning information residing on backups), or for which access is not otherwise required.


RETENTION PERIOD

We will retain your Personal Information for the period necessary to fulfill the purposes outlined in this Privacy Policy unless a longer retention period is required by government legislation and regulations or as necessary to resolve disputes, enforce our agreements and administer our relationships with our ad networks and other third parties. If you wish to request that we no longer use your information, please follow the instructions above. If you request that we delete your Personal Information, we will use reasonable commercial efforts to do so no later than three (3) months after receiving your request, unless a longer retention period is required by law.


USE OF WEBSITE BY MINORS

Our Website is not directed to individuals under the age of eighteen (18). We request that these individuals do not use the Website and do not provide Personal Information through the Website. If we acquire actual knowledge that we have collected Personal Information from a specific individual under the age of eighteen (18), we will delete this information, unless we are required to retain it by law.


CROSS-BORDER TRANSFER

Your Personal Information may be stored and processed in any country where we have facilities, and by providing any Personal Information to us, you consent to the transfer of such Personal Information to countries outside of your country of residence, including the United States, which may have different data protection rules from your country of residence.


SENSITIVE INFORMATION

In general, with regard to sensitive Personal Information (e.g., Social Security number, driver’s license number, credit card number (unless necessary to make a purchase), information related to racial or ethnic origin, political opinions, religion or other beliefs, criminal background or trade union membership) and health-related Personal Information, we ask that you submit only that information which is required by us either directly or on our forms, and that you do not provide us with these types of Personal Information on or through the Website or otherwise, unless we specifically request it from you.


YOUR CALIFORNIA PRIVACY RIGHTS

California has passed legislation requiring certain specific disclosures be made available to California residents who use the Internet and provide Personal Information that may be used for marketing purposes. That legislation requires any business that discloses a customer’s Personal Information (as defined by the legislation) to any third party for direct marketing purposes to provide the customer a method for obtaining the names, addresses and certain other specified details of anyone who might have received that Personal Information. If you are a California resident you may request this information by writing to us at the address below. Margo is not obligated to respond to more than one such request from you per calendar year.


UPDATES TO THIS PRIVACY POLICY

We may change this Privacy Policy. Please take a look at the “Last Updated” legend at the top of this page to see when this Privacy Policy was last revised. We reserve the right to modify this Privacy Policy at any time, so please review it frequently. If we make material changes to this policy, we will notify you here in this policy, by email, or by means of a notice on our home page. Any changes to this Privacy Policy will become effective for information collected on a going-forward basis when we post the revised Privacy Policy on the Website. Your use of the Website following these changes means that you accept the revised Privacy Policy.