The purpose of this Privacy Policy is to describe the type of information collected by this website and to explain how we collect, use and distribute any personal information you may provide to us. It also describes how you may access and update any information you have provided, as well as how you can choose to have your personal information deleted from our company records. In addition to both state and federal regulations, we are also guided by certain industry standards, which are designed to enhance trust among consumers and online merchants or service providers. By adhering to all of the above mentioned requirements, we can ensure that we treat consumers with respect and use fair, non-abusive information collection practices.

It is our goal to ensure that you feel safe and secure when you use our website. Any time you visit or use this site, you are agreeing to this Privacy Policy. If you do not agree with the Policy, or how we use your information, we ask that you do not use this website or submit any personal information. We may change this policy from time to time by updating this page without any notice.

Any questions regarding our Privacy Policy or information collection practices should be sent to us via email at contact@mightypolicy.com*

Consent to Electronic Communications (E-Consent)

Please ensure you read this information attentively and consider printing a copy or saving it for future reference. By navigating this website and clicking the “submit” button, you are initiating a direct request for an insurance policy from us. To process your application and provide you with the insurance product or service you seek, we require your agreement to utilize and accept electronic signatures, records, and disclosures ('E-Consent'). This policy is designed to inform you of your rights when receiving electronic disclosures, notices, information, and other forms of communication. By submitting your information through our website, you confirm that you have understood and accepted this E-Consent Policy. Furthermore, you agree to engage in transactions using electronic methods for signatures, disclosures, records, and contract documents ('Disclosures').

Option for Paper or Non-Electronic Records. If we determine that you are a suitable candidate for an insurance policy and offer you an electronic copy of any relevant Disclosures related to that policy, you have the option at any point to request these Disclosures in paper form directly from us. Should you require a specific Disclosure in paper format, we aim to provide this to you at no or minimal cost. We will retain all Disclosures as mandated by any applicable laws relevant to the specific transaction, ensuring compliance and transparency throughout our direct interaction with you.

Scope of Consent. This E-Consent Policy is relevant to all online interactions between you and us, including those conducted on any mobile device like phones, smartphones, tablets, and any other electronic device that enables internet connectivity. By agreeing to this E-Consent, you authorize us to process your information and manage all interactions with you electronically. We may also send you electronic notices pertaining to our interactions and transactions. Disclosures can be accessed online on our website and may also be sent to you via email. Refer to the previously mentioned instructions for requesting paper copies of any Disclosures.

Consenting to Do Business Electronically. Before you decide to engage in transactions electronically with us, it's important to assess two key factors: 1. Your willingness to conduct business through electronic means, and 2. Whether you possess the necessary hardware and software capabilities outlined below.

Hardware and Software Requirements. To access and retain the Disclosures electronically, you must have the following minimum technology: A PC or MAC, or a device capable of internet access, an e-mail account, and an Internet browser that supports 256-BIT encryption, such as Microsoft® Internet Explorer, Google Chrome®, or Mozilla Firefox®. For certain documents, a PDF reader like Adobe® Acrobat Reader® or Foxit® might be necessary. Additionally, to keep a copy of the Disclosures for future reference, you'll need a printer or a long-term storage solution, like your computer's hard drive. Should you have any queries about the specific hardware and software requirements, you are encouraged to contact us directly.

Withdrawing Consent. If you choose to withdraw your E-Consent from us at any time, you are able to do so without any charge. However, if you withdraw this E-Consent before finalizing your insurance policy with us, it might prevent you from securing an offer, as this consent is necessary for the one-time transaction to process your application and to conduct business electronically. Should you wish to withdraw this E-Consent, please contact us directly. It's important to note that withdrawing your E-Consent will not affect the legal effectiveness, validity, and enforceability of any electronic disclosures previously provided.

Change to Your Contact Information. You should promptly inform us of any changes to your electronic or physical mailing address. We provide specific instructions on how to update your contact information as needed. Please be aware that mightypolicy.com is not able to make these updates on your behalf.

Your Ability to Access Disclosures. By clicking and submitting your information, you assent to our terms and conditions. You acknowledge that you can access the disclosures in the designated formats described above.

About Us and Our Purpose

We operate, own and maintain mightypolicy.com and may be referred to as ‘company’, ‘us’, ‘our’, ‘we’, ‘site’ or ‘website’ throughout this document and website. Through the use of this site, we also operate a database of prospective customers, which is known as the ‘service’.

Consent to SMS, Text & Push Notifications

When you submit your information to us, your name and contact information, such as email address and phone number, are automatically added to our contact list. By providing such information, you are agreeing to receive communications from us via telephone, email or text message unless you choose to opt out of one or all of these communication methods. You will only receive these contacts from us for as long as you agree to them. Please review our SMS Terms and Conditions for more details mightypolicy.com/sms.

Compliance with Do-Not-Call Registry

It is every consumer’s right to add his or her telephone number to the National Do Not Call Registry, which, in general, applies to any plan, program, or campaign to sell goods or services through interstate phone calls. However, a company may call a consumer with whom it has an established business relationship for up to eighteen (18) months after the consumer’s last purchase, delivery or payment, and for up to three (3) months after the consumer submits an application or an inquiry to the company, even if the consumer’s number has been added to the National Do Not Call Registry.

Mightypolicy.com does not make outbound phone calls to consumers, and therefore does not maintain an internal do not call registry of its own.

General Collection and Use of Information

Types of Information Collected

PERSONAL INFORMATION: At mightypolicy.com, we directly gather and manage information from our clients and those interested in joining us to provide them with tailored insurance solutions. When you choose to access specific products or services via our Site, you'll be asked to share certain personal details with us. Rest assured, we only collect personal information that you choose to provide voluntarily.

The type of personal information we collect may include your name, current home address, email address, telephone numbers, date of birth. Depending on the insurance products and services you're interested in, we might request additional information to fulfill your policy needs effectively.

NON-PERSONAL INFORMATION: For the purpose of enhancing our services and understanding how our website is used, we also collect non-personal information related to your use of our site. This may include data such as your IP address, the browser type you use, your website visit times, and the referring website. This information is instrumental in improving the quality and delivery of our services to you and helps us generate useful insights about user engagement with our site.

How Consumer Information is Shared

When you submit an insurance policy request form through mightypolicy.com and utilize our services, you are expressly agreeing to allow us to use the information you provide to directly process and fulfill your insurance needs. As a direct insurance provider, we ensure that your data is utilized solely for the purpose of crafting and implementing your insurance policy. Our in-house team manages your application from start to finish, ensuring confidentiality and security throughout the process.

• We may disclose personal information about you under certain circumstances, including:

• When required by law, such as in response to a subpoena

• If we believe it's necessary to protect our rights, ensure your safety or the safety of others, respond to government requests, or investigate fraud.

• In the event of a company merger, sale, or acquisition of our assets.

• No mobile data will be sold to third parties or affiliates for marketing or promotional purposes.

• The Company ensures that data sharing adheres to this policy's principles.

California's 'Shine the Light'

Under California’s “Shine the Light” law, CA Civil Code § 1798.83, California residents who provide personal information in obtaining products or services for personal, family or household use are entitled to request and obtain from us once a calendar year information about the customer information we shared, if any, with any third parties. If applicable, this information would include the categories of customer information and the names and addresses of those businesses with which we shared customer information for the immediately prior calendar year (e.g. requests made in 2018 will receive information regarding 2017 sharing activities).

Even though we do not sell or share your information with any third parties, you can still submit a request to obtain this information. Please send an email message to contact@mightypolicy.com with “Request for California Privacy Information” on the subject line and in the body of your message. We will provide the requested information to you at your e-mail address in response. Please be aware that not all information sharing is covered by the “Shine the Light” requirements and only information on covered sharing will be included in our response.

Opt-Out Rights

You may choose not to receive any communications from us by not submitting your personal information via the insurance policy request form on our website. During registration and/or when you submit personally identifiable information to us at this website, you acknowledge that you have opted-in to request that we fulfill your insurance policy request. If at any time you wish to opt out from receiving communications from mightypolicy.com, please email contact@mightypolicy.com and request that communications cease, and to be added to the do not contact list. Unsubscribe function instructions can also be found on any email or sms communications from mightypolicy.com, or you can use the unsubscribe feature here: mightypolicy.com/unsubscribe.

Information Retention and Right to Delete

Under the California Consumer Protection Act of 2018, a consumer has the right to request, via verifiable request method, that mightypolicy.com delete any personal information about the consumer that has been collected. Upon receipt of such request, mightypolicy.com shall delete the information except under limited circumstances where the consumer’s information is required to: (1) compute the transaction for which the personal information was collected, provide a good or service requested by the consumer, or reasonably anticipated within the context of mightypolicy.com’s ongoing business relationship with the consumer, or otherwise perform a contract between mightypolicy.com and the consumer; (2) detect security incidents; protect against malicious, deceptive, fraudulent, or illegal activity; or prosecute those responsible for that activity; (3) debug to identify and repair errors existing intended functionality; (4) exercise free speech, ensure the right of another consumer to exercise his/her right of free speech, or exercise another right provided for by law; (5) comply with the California Electronic Communications Privacy Act; (6) engage in public or peer-reviewed scientific, historical, or statistical research in the public interest; (7) to enable solely internal uses that are reasonably aligned with the expectations of the consumer based on the consumer’s relationship with mightypolicy.com; (8) comply with a legal obligation; (9) otherwise use the consumer’s personal information, internally, in a lawful manner that is compatible with the context in which the consumer provided the information.

Any information you provide to mightypolicy.com will be retained until you make the decision to cancel your account with us. If you want to cancel your account or if you want to request that we no longer use your information to provide you with products and services, you can contact us at contact@mightypolicy.com. Even after this request, your information may be retained for the appropriate amount of time to comply with various legal and statutory obligations.

Right to Not Be Discriminated Against

Should you decide to exercise any of the above-mentioned rights under the California Consumer Protection Act, mightypolicy.com is prohibited from discriminating against that consumer for that exercise. However, important to note is that mightypolicy.com also offers a different price, rate, level, or quality of goods or services to the consumer if that price or difference is directly related to the value provided to the consumer by the consumer’s data.

Underage Users and Children’s Privacy

Protecting the privacy of children is especially important. For this reason, we do not knowingly collect or maintain personal information at our website from individuals under the age of 18 years old. In the event that information is inadvertently collected from children, it will not knowingly be used for any purpose whatsoever, either inside or outside of our website. Should we obtain actual knowledge that such information has been collected, that information will be immediately deleted from our database. The information and services provided by us are not intended for persons under 18 years old.

Security

Since the safety of your personal information is incredibly important to us, we use industry recognized methods to protect the information you provide to us as it is being transmitted to mightypolicy.com, and after we have received it. There is no method of data transmission or storage that is 100% fail-proof, so we cannot guarantee the absolute security of your information. For more questions about the security methods used on our website, please contact us at contact@mightypolicy.com. If you do not agree with our methods of protecting your information, we ask that you abstain from submitting any information on our website.

Surveys

From time-to-time, we may provide you the opportunity to participate in surveys on our site. If you participate, we may request certain personally identifiable information from you. Participation in these surveys or contests is completely voluntary and you, therefore, have a choice whether or not to disclose this information. The requested information typically includes contact information (such as name, telephone number, email and shipping address), and demographic information (such as zip code). We use this information to improve our websites, monitor website traffic or personalize the websites for future advertising and marketing campaigns.

Cookies

A cookie is a bit of data that is placed on your computer by a website for tracking purposes. Essentially, the website can send information to your computer and your computer can send information back to the website via this cookie. This information is exchanged for the purposes of authentication, user session identification, user preferences, saving login information and some additional website optimization designed to improve the user experience. You have the right to reject cookies from our website, but if you choose to do so, you may not have access to the full range of products, services, and features we provide. Sometimes, cookies may be used to track and target your interests. In this case, your personal information may be tied to these cookies. However, all of the above rights regarding opt-out, unsubscribe, and the right to delete information still apply.

Links

This site also provides links to external sites, and our Privacy Policy does not cover these websites. Should you choose to leavemightypolicy.com via a link you find on our site, you should read and review the Privacy Policies associated with these websites thoroughly, as they may contain different terms.

Update or Correct Your Information

If you would like to verify, correct, update or delete any of the information you have provided to mightypolicy.com, please contact us at contact@mightypolicy.com.

Notifications of Changes

From time to time, mightypolicy.com may make changes to this Privacy Policy without further notice to its users. You should continue to review this Policy periodically to ensure that you are up-to-date and knowledgeable about any changes that are taking place.