www.cobrainsurancenetwork.com
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Submitted URL: http://www.cobrainsurancenetwork.com/
Effective URL: https://www.cobrainsurancenetwork.com/vcobra3/step1.html
Submission: On May 03 via manual from VN — Scanned from US
Effective URL: https://www.cobrainsurancenetwork.com/vcobra3/step1.html
Submission: On May 03 via manual from VN — Scanned from US
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Get quoted over the phone: (800) 352-6870
Get quoted over the phone: (800) 352-6870
GET QUOTES FROM
TOP PROVIDERS IN
FL, WITH SAVINGS UP TO 30%
Do you currently have health insurance?
Yes No
What is your zip code? Zip Code is Required. Zip code is not a number. Zip Code
should be 5 digits.
Start Comparing Quotes
QUOTES DON’T HAVE TO BE COMPLICATED.
WE MAKE IT SIMPLE.
STRESS-FREE PROCESS
We make it easy for you to find great health insurance. Our matching system
sorts users according to their needs and then connects them with the appropriate
insurance carriers for a good fit.
COMPETITIVE MONTHLY RATES
Premiums are one of the most important factors in your health insurance
decision. Getting quotes from multiple carriers at once is a good way to ensure
that you don’t overpay.
FAST QUOTES
Answer a few questions and get your options in minutes. Instead of wasting hours
researching which providers are affordable, we give you the answers in a
fraction of the time.
COBRA HEALTH
INSURANCE 101
Do You Need COBRA Health Insurance?
If you lose the health coverage provided by your employer for any reason, you
can keep your benefits for a set period of time by signing up for a COBRA health
insurance policy. With COBRA, your coverage must be identical to what your
employer gives its current employees. This protection is provided regardless of
any pre-existing health conditions. However, COBRA is not intended to be the
answer to every individual’s situation. You may want to consider purchasing a
COBRA plan if the following situations describe you:
* Are pregnant or planning to become pregnant
* Have a pre-existing health condition
* Take prescription medications
* Need a medical procedure soon
* Require extensive medical care
* Recently declined for private health plans
COBRA is a great option for people who fit the descriptions above. At the same
time, it can be a costly choice, with some policies costing up to 102% of your
premium. For those who are relatively healthy or have a limited budget, this
type of coverage may not be the ideal option. Doing a little research and
comparing quotes from multiple providers can help you figure out if COBRA is
right for you.
Important COBRA FAQs
1) Am I eligible for COBRA coverage?
To be covered by COBRA, you must have been enrolled in a health plan provided by
your employer and this plan must be in effect for active employees. If you’ve
experienced an event that caused you to lose your benefits, you are eligible for
COBRA.
2) How long do I have to sign up for COBRA benefits?
You have a period of at least 60 days to decide whether to elect or waive COBRA
coverage. This period begins on either the date you are furnished the election
notice or the date you would lose coverage (whichever comes later).
3) What benefits must be covered?
The coverage you receive under COBRA must be the same as the coverage currently
available under the plan to similarly situated active employees and their
dependents. Any change made to the plan that affects the active employees will
also apply to those enrolled through COBRA.
4) How long does COBRA coverage last?
You will be covered for 18 to 36 months, depending on what type of qualifying
event caused you to loose your original coverage. If the qualifying event was a
reduction in hours or the termination of employment, you are entitled to 18
months of COBRA coverage.
Compare Your Quotes Today.
Get Started
Quality Health Insurance Quotes
CobraInsuranceNetwork is an online lead generator, matching consumers with
businesses that offer products and/or services of interest.
CobraInsuranceNetwork is not a licensed broker, carrier or direct provider of
insurance products or services. In order to perform the matching services and
enable you to secure a quote from a provider, CobraInsuranceNetwork may require
you to submit health information. Your responses, and the information you choose
to submit in order to obtain a quote, will help improve the accuracy of your
quote results. You understand, acknowledge and agree that the information you
choose to provide to CobraInsuranceNetwork will be collected, stored and
transmitted only to CobraInsuranceNetwork's partners, and solely for the purpose
of matching you with businesses that can provide you with quotes. Make sure to
compare rates and fees, as they can vary between health insurance providers and
may depend on the state in which you reside.
CobraInsuranceNetwork
8345 Northwest 66 Street Suite 8577,
Miami, FL 33166
* Privacy Policy
* Terms & Conditions
* Accessibility
* Limit the Use of My Sensitive Personal Information
* Do Not Sell or Share My Personal Information
Copyright 2023 CobraInsuranceNetwork
All Rights Reserved
Copyright 2023 CobraInsuranceNetwork.
All Rights Reserved
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COBRAINSURANCENETWORK TERMS & CONDITIONS
The CobraInsuranceNetwork website located at www.cobrainsurancenetwork.com (the
"Site") will enable you to access information about various types of health
insurance, health insurance options and provider information. When you use the
Site, you represent and warrant that you understand that the Site is not
affiliated with or managed, endorsed or sanctioned by any state or federal
governmental agency or exchange, the Centers for Medicare & Medicaid or the
Department of Health and Human Services. To see all available data on Qualified
Health Plan options in your state, visit your state Marketplace website or go to
the Health Insurance Marketplace website at www.HealthCare.gov.
THE AGREEMENT CONTAINS DISCLAIMERS OF WARRANTIES, LIMITATIONS OF LIABILITY,
RELEASES, A CLASS-ACTION WAIVER AND THE REQUIREMENT TO ARBITRATE ANY AND ALL
CLAIMS THAT MAY ARISE HEREUNDER. THE AFOREMENTIONED PROVISIONS ARE AN ESSENTIAL
BASIS OF THE AGREEMENT.
The Site is an Internet property of CobraInsuranceNetwork and its affiliated
companies ("CobraInsuranceNetwork," "we," our or "us"). You are agreeing to
comply with and be bound by the following CobraInsuranceNetwork Terms and
Conditions ("Terms and Conditions") when you: (a) access the Site; (b) apply
for, request or obtain information and/or rate quotes (Rate Quote Services)
regarding certain third party health insurance-related products and/or services
(collectively, Third Party Quotes and Products) as offered by our third party
health insurance service providers (Third Party Service Providers); and/or (c)
view certain content, links and other material pertaining to the Third Party
Service Providers, the Third Party Quotes and Products and other related text,
graphics, photos and other content (collectively, Content, and together with the
Site, Rate Quote Services and Site, the Site Offerings).
The CobraInsuranceNetwork Privacy Policy ("Privacy Policy") and any and all
other applicable CobraInsuranceNetwork operating rules, policies, price
schedules and other supplemental terms and conditions that may be published from
time to time are expressly incorporated herein by reference (collectively, the
"Agreement"). Please review the following terms of the Agreement carefully. If
you do not agree to these Terms and Conditions and the terms of the Agreement in
their entirety, you are not authorized to use the Site Offerings in any manner
or form.
COBRAINSURANCENETWORK IS A PRODUCT AND/OR SERVICE MATCHING SERVICE, MATCHING
CONSUMERS WITH PERSONS OR COMPANIES THAT OFFER PRODUCTS AND/OR SERVICES OF
INTEREST TO THE CONSUMER. COBRAINSURANCENETWORK IS NOT A LICENSED BROKER,
CARRIER OR DIRECT PROVIDER OF INSURANCE PRODUCTS OR SERVICES. IN ORDER TO
PERFORM THE MATCHING SERVICES AND ENABLE YOU TO SECURE A QUOTE FROM A PROVIDER,
COBRAINSURANCENETWORK MAY REQUIRE YOU TO SUBMIT HEALTH INFORMATION. YOUR
RESPONSES AND THE INFORMATION YOU CHOOSE TO SUBMIT IN ORDER TO OBTAIN A QUOTE
WILL HELP US IMPROVE THE ACCURACY OF YOUR QUOTE RESULTS. YOU UNDERSTAND,
ACKNOWLEDGE AND AGREE THAT THE INFORMATION YOU CHOOSE TO PROVIDE TO US WILL BE
COLLECTED, STORED AND TRANSMITTED ONLY TO OUR PARTNERS AND SOLELY FOR THE
PURPOSE OF MATCHING YOU WITH THIRD PARTY PROVIDERS WHO CAN PROVIDE YOU WITH
QUOTES.
1. Acceptance of Agreement; Modification. You agree to the terms and conditions
outlined in the Agreement with respect to your use of the Site Offerings. The
Agreement constitutes the entire and only agreement between you and
CobraInsuranceNetwork with respect to your use of the Site, and supersedes all
prior and contemporaneous agreements, representations, warranties and/or
understandings with respect to the Site Offerings. We may amend the Agreement
from time to time in our sole discretion, without specific notice to you;
provided, however, that any amendment or modification to the arbitration
provisions, prohibition on class actions provisions or any other provisions
applicable to dispute resolution (collectively, "Dispute Resolution Provisions")
shall not apply to any disputes incurred prior to the applicable amendment or
modification. The latest Agreement will be posted on the Site, and you should
review the Agreement prior to using the Site Offerings. By your continued use of
the Site Offerings after the Agreement has been changed, you hereby agree to
comply with all of the terms and conditions contained within the Agreement
effective at that time (other than with respect to disputes arising prior to the
amendment or modification of the Dispute Resolution Provisions, which shall be
governed by the Dispute Resolution Provisions in effect at the time of the
subject dispute). Therefore, you should regularly check this page for updates
and/or changes.
2. Requirements; Termination of Access. The Site Offerings are available only to
individuals who can enter into legally binding contracts under applicable law
and who are over eighteen (18) years of age (or the applicable age of majority,
if greater than eighteen (18) years of age in their jurisdiction). If a user is
under eighteen (18) years of age (or the applicable age of majority, if greater
than eighteen (18) years of age in her/his jurisdiction) and/or if that user is
unable to enter into legally binding contracts under applicable law, that user
does not have permission to use and/or access the Site Offerings.
CobraInsuranceNetwork may terminate any users access to the Site Offerings at
any time and for any reason, in its sole discretion. Such reasons may include,
without limitation, where CobraInsuranceNetwork believes that such user is: (a)
in any way in breach of the Agreement; and/or (b) engaged in any improper
conduct in connection with the Site Offerings.
3. Description of Site Offerings. The Site provides users with an opportunity to
apply for certain Third Party Quotes and Products, as offered by
CobraInsuranceNetwork's Third Party Service Providers. Please be advised that
CobraInsuranceNetwork does not itself provide insurance products and/or
services, and the ultimate terms and conditions of any product or service
provided by its Third Party Service Providers will be determined by those Third
Party Service Providers. To qualify to receive Insurance Services, you must
first fully complete the application form located at the Site ("Site
Application") and, in some cases, the application form set forth on the
applicable Third Party Service Provider's website ("TP Application" and together
with the Site Application, the "Full Application"). The information that you
will supply on the Site Application includes, but is not limited to: (a) your
full name; (b) mailing address; (c) e-mail address; (d) home, work and/or mobile
telephone numbers; (e) who you intend to be covered by the policy; (f) the
dollar amount of coverage you are intending to purchase; (g) the length of time
of the coverage you are seeking; (h) whether you have used tobacco in the last
twelve (12) months; (i) date of birth; (j) height and weight; (k) certain
questions regarding your medical history; and (l) any and all other information
requested on the applicable registration form (collectively, the "Site
Registration Data"). The Site Application form will set forth the exact
information that is required. CobraInsuranceNetwork's use of the Site
Registration Data shall be governed by the Privacy Policy. To access the Privacy
Policy, please click here.
Upon entering your Site Registration Data and clicking on the applicable
submission button on the Site, you may be redirected to the website of a Third
Party Service Provider. CobraInsuranceNetwork may also transfer your Site
Registration Data to its Third Party Service Providers in connection with
facilitating the processing of your Third Party Quotes and Products application.
The information that you must supply on the TP Application shall be determined
by the applicable Third Party Service Provider(s) (the "TP Registration Data"
and, together with the Site Registration Data, the "Registration Data"). Any
information that you supply to any Third Party Service Provider shall be
governed by that Third Party Service Provider's privacy policy. Third Party
Quotes and Products application approval, and the ultimate terms and conditions
of any product or service provided by any Third Party Service Provider(s), will
be determined by those Third Party Service Providers.
Unless explicitly stated otherwise, any future offer(s) made available to you on
the Site that augment(s) or otherwise enhance(s) the current features of the
Site shall be subject to the Agreement. You understand and agree that
CobraInsuranceNetwork is not responsible or liable in any manner whatsoever for
your use of, or inability to use and/or qualify for, Insurance Services or other
Third Party Service Provider sponsored products and/or services, or for any
dispute between you and any Third Party Service Providers. You understand and
agree that CobraInsuranceNetwork shall not be liable to you or any third party
for any modification, suspension or discontinuation of any product, service or
promotion offered by any Third Party Service Providers.
If CobraInsuranceNetwork terminates the Agreement for any reason,
CobraInsuranceNetwork shall have no liability or responsibility to you. You
understand and agree that refusal to use the Site is your sole right and remedy
with respect to any dispute with CobraInsuranceNetwork The Agreement only
governs your use of the Site.
4. Non-Endorsement; Passive Conduit.
(a) CobraInsuranceNetwork does not sponsor, recommend or endorse any Third Party
Service Provider that is accessible by or through the Rate Quote Services and/or
other Site Offerings. The Third Party Service Providers that are accessible by
and through the Rate Quote Services pay a fee for access to the users that
utilize the Rate Quote Services. CobraInsuranceNetwork does not guarantee that
users will successfully find Third Party Quotes and Products through the Site
Offerings.
(b) Please use caution and common sense when using the Site Offerings.
CobraInsuranceNetwork in no way endorses the content or legality of any
responses, statements or promises made by Third Party Service Providers or any
other parties on the Site or otherwise through the Site Offerings.
(c) The determination of the need for health insurance and the choice of health
insurance providers are extremely important decisions and should not be based
solely on advertisements, claims of expertise, or cost offered by any Third
Party Service Provider. CobraInsuranceNetwork does not review the standing of
any Third Party Service Providers with any regulatory authority or governmental
agency. Therefore, CobraInsuranceNetwork makes no representation regarding the
status, standing or ability of any Third Party Service Provider. When
considering obtaining services from a Third Party Service Provider, users should
check that Third Party Service Providers standing with the applicable regulatory
and/or governmental agencies.
(d) CobraInsuranceNetwork does not involve itself in the agreements between
users and Third Party Service Providers or the actual provision of Third Party
Quotes and Products in connection with the relationships created thereby.
Therefore, CobraInsuranceNetwork does not make any representations regarding the
competency, trustworthiness, honesty, integrity and/or behavior of either its
users or Third Party Service Providers. Each user, and not
CobraInsuranceNetwork, is solely responsible for assessing the competency,
trustworthiness, honesty and integrity of all Third Party Service Providers that
the user communicates with via the Rate Quote Service. Because
CobraInsuranceNetwork is not involved in user interactions, in the event that
you have a dispute with one or more Third Party Service Providers and/or other
third-parties, you hereby release CobraInsuranceNetwork from any and all claims,
demands and/or damages (actual and consequential) of every kind and nature,
known and unknown, suspected and unsuspected, disclosed and undisclosed, arising
out of, or in any way connected with, such disputes.
5. Content. The Site contains Content which includes, but is not limited to,
links, text, video and/or other information pertaining to health
insurance-related products and/or services. The Content is offered for
informational purposes only and is at all times subject to the disclaimers
contained herein, and on the Site. Reliance on any Content or other information
made available to you by and through the Site Offerings is solely at your own
risk. CobraInsuranceNetwork disclaims any and all liability for any loss, damage
or injury based on Content or other information directly or indirectly obtained
through the Site Offerings.
6. License Grant. As a user of the Site, you are granted a non-exclusive,
non-transferable, revocable and limited license to access and use the Site
Offerings and associated Content in accordance with the Agreement.
CobraInsuranceNetwork may terminate this license at any time for any reason. You
may use the Site Offerings for your own personal, non-commercial use. No part of
the Site Offerings may be reproduced in any form or incorporated into any
information retrieval system, electronic or mechanical. You may not use, copy,
emulate, clone, rent, lease, sell, modify, decompile, disassemble, reverse
engineer or transfer the Site Offerings, Content or any portion thereof.
CobraInsuranceNetwork reserves any rights not explicitly granted in the
Agreement. Systematic retrieval of material from the Site by automated means or
any other form of scraping or data extraction in order to create or compile,
directly or indirectly, a collection, compilation, database or directory without
written permission from CobraInsuranceNetwork is prohibited. You may not use any
device, software or routine to interfere or attempt to interfere with the proper
working of the Site Offerings. You may not take any action that imposes an
unreasonable or disproportionately large load on the CobraInsuranceNetwork
infrastructure. Your right to use the Site Offerings is not transferable.
7. Proprietary Rights. The Content, organization, graphics, design, compilation,
magnetic translation, digital conversion, software, services and other matters
related to the Site Offerings are protected under applicable copyrights,
trademarks and other proprietary (including, but not limited to, intellectual
property and moral) rights. The copying, redistribution, publication or sale by
you of any part of the Site Offerings is strictly prohibited. You do not acquire
ownership rights in the Site Offerings or any content, document, software,
services or other materials viewed at or through the Site. The posting of
information or material on the Site by CobraInsuranceNetwork does not constitute
a waiver of any right in such information and/or materials.
8. Editing, Deleting and Modification. We reserve the right in our sole
discretion to edit and/or delete, at any time, any documents, information or
other Content appearing on the Site.
9. Indemnification. You agree to indemnify, defend and hold
CobraInsuranceNetwork, its parents, subsidiaries and affiliates, and each of
their respective members, officers, directors, employees, agents, co-branders
and/or other partners, harmless from and against any and all claims, expenses
(including reasonable attorneys' fees), damages, suits, costs, demands and/or
judgments whatsoever, made by any third party due to or arising out of: (a) your
use of the Site Offerings and/or Third Party Quotes and Products; (b) your
breach of the Agreement; (c) any dispute between you and any Third Party Service
Provider; and/or (d) your violation of any rights of another individual and/or
entity. The provisions of this Section 9 are for the benefit of
CobraInsuranceNetwork, its parents, subsidiaries and affiliates, and each of
their respective officers, directors, members, employees, agents, shareholders,
licensors, suppliers and/or attorneys. Each of these individuals and entities
shall have the right to assert and enforce these provisions directly against you
on its own behalf.
10. Disclaimer of Warranties. THE SITE OFFERINGS, THIRD PARTY QUOTES AND
PRODUCTS AND/OR ANY OTHER PRODUCTS AND/OR SERVICES THAT YOU MAY APPLY FOR
THROUGH THE SITE OFFERINGS ARE PROVIDED TO YOU ON AN "AS IS" AND "AS AVAILABLE"
BASIS AND ALL PROMISES, GUARANTEES, REPRESENTATIONS AND WARRANTIES, EXPRESS AND
IMPLIED, ARE DISCLAIMED TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE
LAW (INCLUDING, BUT NOT LIMITED TO, THE DISCLAIMER OF ANY WARRANTIES OF
MERCHANTABILITY, NON-INFRINGEMENT OF INTELLECTUAL PROPERTY AND/OR FITNESS FOR A
PARTICULAR PURPOSE). IN PARTICULAR, BUT NOT AS A LIMITATION THEREOF,
COBRAINSURANCENETWORK MAKES NO PROMISES, GUARANTEES, REPRESENTATIONS OR
WARRANTIES THAT: (A) THE SITE OFFERINGS, THIRD PARTY QUOTES AND PRODUCTS AND/OR
ANY OTHER PRODUCTS AND/OR SERVICES THAT YOU MAY APPLY FOR THROUGH THE SITE
OFFERINGS WILL MEET YOUR REQUIREMENTS; (B) THE SITE OFFERINGS, THIRD PARTY
QUOTES AND PRODUCTS AND/OR ANY OTHER PRODUCTS AND/OR SERVICES THAT YOU MAY APPLY
FOR THROUGH THE SITE OFFERINGS WILL BE UNINTERRUPTED, TIMELY, SECURE OR
ERROR-FREE; (C) YOU WILL QUALIFY FOR THIRD PARTY QUOTES AND PRODUCTS OR OTHER
INSURANCE SERVICES FROM OUR THIRD PARTY SERVICE PROVIDERS; OR (D) THE RESULTS
THAT MAY BE OBTAINED FROM THE USE OF THE SITE OFFERINGS, THIRD PARTY QUOTES AND
PRODUCTS AND/OR ANY OTHER PRODUCTS AND/OR SERVICES THAT YOU MAY APPLY FOR
THROUGH THE SITE OFFERINGS WILL BE ACCURATE OR RELIABLE OR SUFFICIENT FOR YOUR
PARTICULAR NEEDS. THE SITE OFFERINGS, THIRD PARTY QUOTES AND PRODUCTS AND/OR ANY
OTHER PRODUCTS AND/OR SERVICES THAT YOU MAY APPLY FOR THROUGH THE SITE OFFERINGS
MAY CONTAIN BUGS, ERRORS, PROBLEMS OR OTHER LIMITATIONS. WE WILL NOT BE LIABLE
FOR THE AVAILABILITY OF THE UNDERLYING INTERNET CONNECTION ASSOCIATED WITH THE
SITE. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM
COBRAINSURANCENETWORK, ITS THIRD PARTY SERVICE PROVIDERS OR OTHERWISE THROUGH OR
FROM THE SITE OFFERINGS, SHALL CREATE ANY PROMISE, GUARANTEE, REPRESENTATION OR
WARRANTY NOT EXPRESSLY STATED IN THE AGREEMENT.
11. Limitation of Liability. YOU EXPRESSLY UNDERSTAND, ACKNOWLEDGE AND AGREE
THAT COBRAINSURANCENETWORK SHALL NOT BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY
DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL AND/OR EXEMPLARY DAMAGES,
INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, REVENUE, GOODWILL,
USE, DATA OR OTHER TANGIBLE OR INTANGIBLE LOSSES (EVEN IF COBRAINSURANCENETWORK
HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES AND/OR SUCH DAMAGES ARE
FORESEEABLE), TO THE FULLEST EXTENT PERMISSIBLE BY LAW FOR: (A) THE USE OR THE
INABILITY TO USE THE SITE OFFERINGS, THIRD PARTY QUOTES AND PRODUCTS AND/OR ANY
OTHER PRODUCTS AND/OR SERVICES THAT YOU MAY APPLY FOR THROUGH THE SITE
OFFERINGS; (B) THE COST OF PROCUREMENT OF SUBSTITUTE GOODS AND SERVICES
RESULTING FROM ANY GOODS, DATA, INFORMATION AND/OR SERVICES PURCHASED OR
OBTAINED FROM, OR TRANSACTIONS ENTERED INTO THROUGH, THE SITE OFFERINGS; (C) THE
FAILURE TO QUALIFY FOR THIRD PARTY QUOTES AND PRODUCTS FROM OUR THIRD PARTY
SERVICE PROVIDERS; (D) THE UNAUTHORIZED ACCESS TO, OR ALTERATION OF, YOUR
REGISTRATION DATA; AND (E) ANY OTHER MATTER RELATING TO THE SITE OFFERINGS,
THIRD PARTY QUOTES AND PRODUCTSAND/OR ANY OTHER PRODUCTS AND/OR SERVICES THAT
YOU MAY APPLY FOR THROUGH THE SITE OFFERINGS. THIS LIMITATION APPLIES TO ALL
CAUSES OF ACTION, IN THE AGGREGATE INCLUDING, BUT NOT LIMITED TO, BREACH OF
CONTRACT, BREACH OF WARRANTY, NEGLIGENCE, STRICT LIABILITY, MISREPRESENTATIONS
AND ANY AND ALL OTHER TORTS.
YOU HEREBY RELEASE COBRAINSURANCENETWORK AND ITS THIRD PARTY SERVICE PROVIDERS
FROM ANY AND ALL OBLIGATIONS, LIABILITIES AND CLAIMS IN EXCESS OF THE
LIMITATIONS STATED HEREIN. IF APPLICABLE LAW DOES NOT PERMIT SUCH LIMITATIONS,
THE MAXIMUM LIABILITY OF COBRAINSURANCENETWORK TO YOU UNDER ANY AND ALL
CIRCUMSTANCES WILL BE FIVE HUNDRED DOLLARS ($500.00). THE NEGATION OF DAMAGES
SET FORTH ABOVE IS A FUNDAMENTAL ELEMENT OF THE BASIS OF THE BARGAIN BETWEEN YOU
AND COBRAINSURANCENETWORK. THE SITE OFFERINGS, THIRD PARTY QUOTES AND PRODUCTS
AND/OR ANY OTHER PRODUCTS AND/OR SERVICES THAT YOU MAY APPLY FOR THROUGH THE
SITE OFFERINGS WOULD NOT BE PROVIDED TO YOU WITHOUT SUCH LIMITATIONS.
12. Third Party Websites. The Site may provide links to and/or refer you to
other Internet websites and/or resources including, but not limited to, the
websites of Third Party Service Providers. Because CobraInsuranceNetwork has no
control over such third party websites and/or resources, you hereby acknowledge
and agree that CobraInsuranceNetwork is not responsible for the availability of
such third party websites and/or resources. Furthermore, CobraInsuranceNetwork
does not endorse, and is not responsible or liable for, any terms and
conditions, privacy policies, content, advertising, services, products and/or
other materials at or available from such third party websites or resources, or
for any damages and/or losses arising therefrom. The Site may contain links to
other third-party owned and/or operated websites and, where you request
information from Third Party Providers, CobraInsuranceNetwork may transfer you
directly to the websites of such Third Party Providers. CobraInsuranceNetwork is
not responsible for the privacy practices or the content of such websites. In
some cases, you may be required to provide certain information to register or
complete a transaction at such website. These third-party websites have separate
privacy and data collection practices and CobraInsuranceNetwork has no
responsibility or liability relating to them. We do not endorse, nor are we
responsible for the accuracy of, the privacy policies or terms and conditions of
such website. These third party entities are independent third parties and are
not affiliated with us.
13. Privacy Policy/User Information. Use of the Site Offerings, and all
comments, feedback, information, Site Registration Data or materials that you
submit through or in association with the Site, is subject to our Privacy
Policy. We reserve the right to use all information regarding your use of the
Site, and any and all other personally identifiable information provided by you,
in accordance with the terms of our Privacy Policy. To access the Privacy
Policy, please click here.
14. Legal Warning. Any attempt by any individual, whether or not a
CobraInsuranceNetwork customer, to damage, destroy, tamper with, vandalize
and/or otherwise interfere with the operation of the Site, is a violation of
criminal and civil law and CobraInsuranceNetwork will diligently pursue any and
all remedies in this regard against any offending individual or entity to the
fullest extent permissible by law and in equity.
15. Dispute Resolution Provisions. The Agreement shall be treated as though it
were executed and performed in New York, New York and shall be governed by and
construed in accordance with the laws of the State of New York (without regard
to conflict of law principles).
Should a dispute arise concerning the Site Offerings, the terms and conditions
of the Agreement or the breach of same by any party hereto: (a) the parties
agree to submit their dispute for resolution by arbitration before the American
Arbitration Association in New York, New York, in accordance with the then
current Commercial Arbitration rules of the American Arbitration Association;
and (b) you agree to first commence a formal dispute proceeding by completing
and submitting an Initial Dispute Notice which can be found Here. We may choose
to provide you with a final written settlement offer after receiving your
Initial Dispute Notice (Final Settlement Offer). If we provide you with a Final
Settlement Offer and you do not accept it, or we cannot otherwise satisfactorily
resolve your dispute and you wish to proceed, you must submit your dispute for
resolution by arbitration before the American Arbitration Association, in your
county of residence, by filing a separate Demand for Arbitration, which is
available Here. For claims of Ten Thousand Dollars ($10,000.00) or less, you can
choose whether the arbitration proceeds in person, by telephone or based only on
submissions. If the arbitrator awards you relief that is greater than our Final
Settlement Offer, then we will pay all filing, administration and arbitrator
fees associated with the arbitration and, if you retained an attorney to
represent you in connection with the arbitration, we will reimburse any
reasonable attorneys fees that your attorney accrued for investigating,
preparing and pursuing the claim in arbitration. Any award rendered shall be
final and conclusive to the parties and a judgment thereon may be entered in any
court of competent jurisdiction. Nothing contained herein shall be construed to
preclude any party from: (i) seeking injunctive relief in order to protect its
rights pending an outcome in arbitration; and/or (ii) pursuing the matter in
small claims court rather than arbitration. Although we may have a right to an
award of attorneys fees and expenses if we prevail in arbitration, we will not
seek such an award from you unless the arbitrator determines that your claim was
frivolous.
To the extent permitted by law, you agree that you will not bring, join or
participate in any class action lawsuit as to any claim, dispute or controversy
that you may have against CobraInsuranceNetwork and/or its employees, officers,
directors, members, representatives and/or assigns. You agree to the entry of
injunctive relief to stop such a lawsuit or to remove you as a participant in
the suit. You agree to pay the attorneys fees and court costs that
CobraInsuranceNetwork incurs in seeking such relief. This provision preventing
you from bringing, joining or participating in class action lawsuits: (A) does
not constitute a waiver of any of your rights or remedies to pursue a claim
individually and not as a class action, in binding arbitration as provided
herein above; and (B) is an independent agreement. You may opt-out of these
dispute resolution provisions by providing written notice of your decision
within thirty (30) days of the date that you first access the Site.
16. Miscellaneous. Should any part of the Agreement be held invalid or
unenforceable, that portion shall be construed consistent with applicable law
and the remaining portions shall remain in full force and effect. To the extent
that anything in or associated with the Site and/or any CobraInsuranceNetwork
offering is in conflict or inconsistent with these Terms and Conditions, these
Terms and Conditions shall take precedence. Our failure to enforce any provision
of the Agreement shall not be deemed a waiver of such provision nor of the right
to enforce such provision. The parties do not intend that any agency or
partnership relationship be created through operation of the Agreement.
CobraInsuranceNetwork may assign its rights and obligations under the Agreement,
in whole or in part, to any party at any time without any notice to you. The
Agreement, may not however, be assigned by you, and you may not delegate your
duties under it. Headings are for reference purposes only and in no way define,
limit, construe or describe the scope or extent of such section.
17. Contact Us. If you have any questions regarding the Agreement, would like
more information from CobraInsuranceNetwork, wish to unsubscribe from emails
CobraInsuranceNetwork or third party marketers (if applicable), or revoke any
prior express written consent you may have given in order to be contacted for
purposes of receiving an insurance quote, you may contact CobraInsuranceNetwork
by any of the following means: (a) in writing to 8345 Northwest 66 Street Suite
8577, Miami, FL 33166; (b) by email to info@CobraInsuranceNetwork.com; (c) by
text message (STOP) sent to (800) 352-6870; (d) by facsimile to (866) 571-9618;
(e) by phone call to our toll-free phone number, (800) 352-6870; or (f) orally,
during the course of any call with CobraInsuranceNetwork. Without limiting any
of the foregoing, you can ask us to contact you in a specific way (for example,
home or office phone) or to send mail to a different address. We will consider
all reasonable requests, and must say yes if you tell us you would be in danger
if we do not.
18. California Consumer Rights and Notices. Residents of California are entitled
to the following specific consumer rights information: you may contact the
Complaint Assistance Unit of the Division of Consumer Services of the Department
of Consumer Affairs by mail at: 400 R St., Suite 1080, Sacramento, California
95814, or by telephone at (916) 445-1254. Their website is located at:
http://www.dca.ca.gov.
×
Privacy Policy
of www.cobrainsurancenetwork.com and all related websites
www.cobrainsurancenetwork.com
12130 Millennium Drive, Ste 600
Los Angeles, CA 90094
At www.cobrainsurancenetwork.com we take our ethical responsibilities and your
privacy seriously by recognizing that your privacy is important. We have a
strong commitment to providing excellent service to all our customers, visitors
to this Web Site, and other users of our products and services, including
respecting your concerns about privacy. This Privacy Policy discloses how we
collect personal information, the types of personal information we receive and
collect, our use and disclosure of current and former consumer information, as
well as the steps that we take to safeguard your information. If you use this
site, you understand and agree to the www.cobrainsurancenetwork.com Privacy
Policy in effect at the time of your use, and any other terms and conditions
posted on the site. We hope that this disclosure will help increase your
confidence in our products and services, and enhance your experience. Therefore,
in compliance with industry standards and regulations enforced typically by
federal and state governments, we abide by the following Privacy Policy.
Information Collection and Use 2
Personal Information: 3
Sensitive Personal Information: 3
Insurance Customers and Clients 6
Job Applicants 6
Cookies and IP Addresses 6
Clear Gifs 7
Telephone Calls and Recordings 7
Information Selling and Sharing 7
Sale of Your Personal Information 7
Other Transfers of Information to Third Parties 8
Advertisements & Pop Up Windows 8
www.cobrainsurancenetwork.com Marketing Opting-Out 9
Third Party Links 9
Minors 9
Updating Your Information 9
Questions and Suggestions 10
Retention 10
Changes to this Privacy Policy 10
Your California, Colorado, and Virginia Privacy Rights 10
Right to Transparency 11
Right to Request Access to Personal Information 11
Right to Correct Information 11
Personal Information Removal/Deletion 12
Information Removal Request 12
Right to Opt-Out of Sale or Sharing of your Data 12
Do Not Sell or Share My Personal Information Request 12
Right to Limit Use and Disclosures of Sensitive Personal Information 12
Consent to Use My Sensitive Information for Virginia and Colorado
Residents 12
Right Not to be Discriminated Against 12
Right to Appeal 13
California’s Shine the Light 13
INFORMATION COLLECTION AND USE
This Privacy Policy applies to all users of our products and services
(“Consumers”), including those who have used our website (“Web Site”), which is
owned by Centerfield Media Parent, Inc., a Delaware corporation (“Owner”).
Please note that this policy applies only to this Web Site, and services
wherein www.cobrainsurancenetwork.com determines the purposes or means of
processing your personal information, and not to web sites maintained by other
companies or organizations to which we link, or business partners to whom we
provide your information, based on your requests as relating to the product or
service in which you are interest, and for whom we serve as service providers.
Alternatively, the information www.cobrainsurancenetwork.com collects on behalf
of a third party, to whom we provide marketing services, may be subject to both
this Privacy Policy, and the third party’s privacy policy. For more information
on those companies or organizations’ personal information practices, and your
rights, please visit their respective privacy policies.
Personal information is information that identifies, relates to, describes, is
reasonably capable of being associated with, or could reasonably be linked,
directly or indirectly, with a natural person or household, such as a real name,
postal address, e-mail address, telephone number, payment information, and
account ID (“personal information”). When other information is directly
associated with personal information, that information may also be considered
personal information. Information that is aggregated, de-identified, or
anonymized is not considered personal information. Publicly available
information, as that information is defined by applicable law, also may not be
personal information.
A subset of personal information we collect is defined as “sensitive personal
information,” as defined by applicable law, and includes categories as described
below.
We collect, use, share, and/or store the following types of personal
information, either online or on the phone, and either automatically, from you
directly, or from third parties (including publicly accessible sources,
marketing vendors, data aggregation businesses, and others), for the business
purposes as outlined in this Privacy Policy, depending on how you interact with
us:
PERSONAL INFORMATION:
1) Identifiers, such as full name, postal address, shipping address, internet
protocol (IP) address, primary and secondary phone numbers, e-mail address, and
customer record information, including caller ANI, account number, and service
address;
(2) Payment-related information, including bank account or credit card
information,
(3) Audio information, including voice recordings of telephone calls,
(4) Communications and other content, including other personal information you
may provide through webforms, chat, and other means, and
(5) Internet or network activity, such as you interaction with an advertisement,
and other information obtained from cookies and clear gifs, as described further
below.
SENSITIVE PERSONAL INFORMATION:
Type of Sensitive Information
Is this collected?
How will it be used?
How long do we retain it?
A consumer’s social security, driver’s license, state identification card, or
passport number;
Only when applicable.
If applicable, then only for processing of sales.
Information is not stored in our system and only used to verify order
eligibility.
A consumer’s account log-In information, which could include any debit card or
credit card number in combination with any security or access code, password or
credentials required to access such account;
Only when necessary for such access.
Account login information is used to identify an active user on any site that
requires login.
Information is stored as long as a consumer account is active. If a consumer
deletes their account, the information will be deleted as well.
A consumer’s precise geolocation;
No
N/A
N/A
A consumer’s racial or ethnic origin, religious or philosophical beliefs, or
union membership;
No
N/A
N/A
The contents of a consumer’s mail, email, and text messages, unless the business
is the intended recipient of the communication;
No
N/A
N/A
A consumer’s genetic data; and
No
N/A
N/A
The processing of biometric information for the purpose of uniquely identifying
a consumer;
No
N/A
N/A
Personal information collected and analyzed concerning a consumer’s health,
including mental or physical health condition or diagnosis
Only when applicable.
If applicable, then only to facilitate your shopping or purchasing of a relevant
product or service.
Information is stored for up to ten years.
Personal information collected and analyzed concerning a consumer’s sex life or
sexual orientation;
No
N/A
N/A
Personal information collected and analyzed concerning a consumer’s citizenship,
citizenship status, or immigration status; or
Only when applicable.
If applicable, then only to facilitate your shopping or purchasing of a relevant
product or service.
Information is stored for up to ten years.
Personal data from a known child.
No
N/A
N/A
You may request that use of your sensitive personal information be limited by
filling out the form titled “Limit Use of My Sensitive Personal Information”
linked at the bottom of this privacy policy or in the footer of this webpage, or
by contacting us at 855-905-2395. If you are a Virginia, Colorado, Utah, or
Connecticut resident, we do not collect or process your sensitive data (as
defined in those states’ laws) without your consent.
We may collect personal information (including sensitive personal information
and other personal information) at the following times:
(1) when you register to receive communications from this website or any website
owned by the owner of www.cobrainsurancenetwork.com,
(2) when you seek information or apply for products and services offered through
this website or any website owned by the owner of www.cobrainsurancenetwork.com,
(3) when you enter promotions or sweepstakes offered by this website or any
website owned by the owner of www.cobrainsurancenetwork.com,
(4) when you provide personal information to us through feedback, survey, or
other forms hosted on this site or any website owned by the owner of
www.cobrainsurancenetwork.com,
(5) when you visit our Web Site, including through cookies and clear gifs, as
described further below, and
(6) when you contact us.
We may collect your personal information in order to:
(1) process and fulfill your requests for information, products, and services,
(2) solicit your opinions and other feedback,
(3) conduct research,
(4) customize the advertising and content you see and receive,
(5) improve our products and services,
(6) maintain the security of our Web Site and systems, and to investigate or
prevent fraud or abuse,
(7) evaluate or conduct a merger restructuring, sale, or other corporate
transaction in which personal information is among the assets transferred,
(8) provide reporting for internal and external clients, and
(9) other lawful purposes.
In addition, we may receive information about you from other sources, such as
service providers and unaffiliated third party marketing companies, for
marketing and tracking purposes. We may add the information we receive about you
through those means to your existing account. Like other web sites, we also
automatically receive and record certain types of information every time you
visit us. We use “cookies” and the other information to enhance your experience
and present you with personalized offers. Likewise, we use third-party
advertising companies to distribute and track advertisements appearing on our
web site. These companies may employ cookies and action tags to measure
advertising effectiveness. More information about cookies can be found in our
Cookies and IP Addresses section below.
At any point, www.cobrainsurancenetwork.com reserves the right to collect
additional consumer information. This Privacy Policy will be updated
periodically to reflect those changes.
INSURANCE CUSTOMERS AND CLIENTS
If you are a customer for whom we process an insurance application, we will
collect additional information in connection with your application for
insurance. This may include items necessary for processing your application,
such as:
1. medical record number, Medicare beneficiary identifier, or other health
record number; and
2. personal health and demographic information about you and those dependents
for whom you plan to receive coverage.
We do not sell or share the personal information of our insurance customers for
whom we process an insurance application, or our insurance clients to whom we
provide services, which personal information we collect and solely use in the
performance of such services. We may, however, sell or share your personal
information (as disclosed elsewhere in this Privacy Policy) that we collect
through other interactions we may have with you, such as when you visit our
marketing web properties.
JOB APPLICANTS
If you apply for a job with Owner, we will collect additional information in
connection with your application. This may include:
1) full name, email, phone number, LinkedIn URL or other URL;
2) work authorization status, or sponsorship requirement;
3) resume, CV, cover letter, work experience, and education information;
4) current employer;
5) skills;
6) professional and work-related licenses, permits, and certifications held;
7) reference-related information;
8) gender, race, and veteran status, if you choose to provide it to us; and
9) any other information that is available online, or that you elect to provide
to us.
Such information may be collected from you directly, from your references, from
a recruiter, from your prior employers, and from your places of education. We
will only use this information to evaluate your candidacy, including by
processing your application, assessing your qualifications, corresponding with
you, and complying with legal obligations.
COOKIES AND IP ADDRESSES
To serve you more efficiently and effectively, we use “cookies” technology. A
cookie is a piece of data stored on the user’s hard drive that contains
information about the user. Cookies are linked to particular devices over time,
and may be linked to other personal information we obtain. Cookies enable a web
site to “personalize” itself for each user and reduce the time it takes for
pages to load on your computer. In order to optimize your experience, cookies
also help with the collection of customer tracking data. We may also capture
customer tracking data on some of our partner’s web sites, related to activity
involved with the completion of offers listed on our web site. This information
is used to monitor the performance of our partners. If you reject cookies, you
may still use our site, but your ability to use some areas of our site will be
limited. We also keep track of Internet Protocol (IP) addresses and may disclose
your IP address during the course and scope of our business. An IP Address is a
number that is used by computers on the network to identify your computer every
time you log on to the Internet.
Your browser or device may offer settings that allow you to choose whether
browser cookies are set and to delete them. For more information about these
controls and to exercise your cookie preferences, visit your browser or device’s
help material. If you choose to reject cookies, as noted above, you may not be
able to use certain features of our websites and services. To learn more about
Cookies, visit http://www.allaboutcookies.org.
We permit some of our non-affiliated business partners (e.g., advertisers) use
cookies on our site. We have no access to or control over information collected
from such cookies. This Privacy Policy covers the use of our cookies only and
does not cover the use of cookies by any advertisers.
CLEAR GIFS
We employ a software technology called clear gifs (a.k.a. Web Beacons/Web Bugs)
that help us better manage content on our site by informing us what content is
effective. Clear gifs are tiny graphics with a unique identifier, similar in
function to cookies, and are used to track the online movement of Web users. We
also use clear gifs in our HTML-based emails to let us know which emails the
recipients have opened. This allows us to gauge the effectiveness of certain
communications and the effectiveness of our marketing campaigns. If users would
like to opt-out of these emails, please see the Opt-out section within any email
you receive from us.
TELEPHONE CALLS AND RECORDINGS
You provide your prior express written consent to receive marketing telephone
calls and text messages (including those sent by automatic telephone dialing
systems and including prerecorded or artificial voices) to any telephone number
that you provide to us, even if that number is listed on a do-not-call registry.
Consent is not a condition of purchasing any goods or services, and you can use
our services or products without providing this consent by dialing the telephone
number on our website. You also agree that all telephone calls and conversations
with us and anyone we may transfer your telephone call to or from may be
recorded for quality, customer-service, compliance, and regulatory purposes.
INFORMATION SELLING AND SHARING
SALE OR “SHARING” (FOR TARGETED ADVERTISING) OF YOUR PERSONAL INFORMATION
We may sell (as that term is defined broadly by applicable law) or share (as
defined by the California Privacy Rights Act), including for targeted
advertising (as that term is defined by the Colorado Privacy Act, the Virginia
Consumer Data Protection Act, the Utah Consumer Privacy Act, and the Connecticut
Data Privacy Act), your personal information to the following categories of
third parties, and/or under the following circumstances:
* Partners, sponsors, advertisers, service providers and marketers lookup and
reference services and any other entities that www.cobrainsurancenetwork.com
believes are able to provide Consumers with special offers and opportunities,
including retail opportunities, that relate to the requests you have made.
These businesses include providers of direct marketing services and
applications, including lookup and reference, data enhancement, suppression
and validation and email marketing. In each case, you will have agreed to
receiving such information. For example, if you have requested a quote for a
service from a particular company, we will share your information with that
company to facilitate your request.
* Additionally, www.cobrainsurancenetwork.com may share aggregated information
with select companies that wish to reach a particular Consumer target
audience (e.g., female Consumers between the ages of 25-35, who have an
average household income of over $50,000.00). This information will allow
these entities to provide relevant offers to specific Consumers.
* In compliance with applicable laws, www.cobrainsurancenetwork.com may provide
identifiers and health information to advertisers who may provide offers and
opportunities.
In the past 12 months, we have (a) sold or shared: identifiers and health
information, and (b) disclosed for business purposes: identifiers, audio
information, communications and other content, internet or network activity, and
sensitive information.
www.cobrainsurancenetwork.com prohibits the sale or transfer of personal
information to non-affiliated entities for their use without giving you the
opportunity to opt-out. www.cobrainsurancenetwork.com has no control over such
party’s information handling practices and is not responsible for any failure of
such party to adhere to this Privacy Policy.
OTHER TRANSFERS OF INFORMATION TO THIRD PARTIES
We may additionally transfer information to third parties in the following
situations, which are not selling or sharing, as defined by applicable law:
* When you request quotes or request to be contacted through
www.cobrainsurancenetwork.com or our other sites that we operate, you are
authorizing us to share information with our business partners who may
contact you by (i) phone, including without limitation any prerecorded or
automated telephone call to any telephone number including without limitation
any wireless telephone number, which could result in charges to you, (ii) SMS
text message, (iii) email, or (iv) mail. We may also contact you through any
of the above means. If you do not want further communication from them or us,
please notify the person or entity that contacts you directly.
* In some cases, we may require the use of third party vendors or outside
companies to operate portions of the www.cobrainsurancenetwork.com web site
and/or to provide certain services including clerical, information processing
and shipping services. The particular section of the web site may have a
similar appearance as the www.cobrainsurancenetwork.com site, and information
submitted through these outside third parties are subject to this Privacy
Policy unless otherwise stated. When you sign up for our services, we will
share only as much information as is necessary for the provision of those
services. We require that all third parties, hired by
www.cobrainsurancenetwork.com, comply with our Privacy Policy in order to
keep your information safe and secure. These third parties are prohibited
from using or sharing your personal information for any purpose other than
the job they were hired to do.
* With other persons, if we believe it is necessary to 1) comply with
applicable laws; (2) respond to governmental inquiries; (3) comply with valid
legal process; or (4) protect the rights or property of
www.cobrainsurancenetwork.com, www.cobrainsurancenetwork.com’s web sites or
other Consumers.
* In connection with, or during the negotiation of, any merger, sale of company
stock or assets, financing, acquisition, divestiture, or dissolution of all
or a portion of the business. Any successor company will continue to be bound
by this Privacy Policy, unless it is modified as described by this policy.
ADVERTISEMENTS & POP UP WINDOWS
On occasion, you may receive advertisements for www.cobrainsurancenetwork.com
from third parties. These advertisements are served by the third party web site
that you have visited or directly from this website or any site owned by the
owner of www.cobrainsurancenetwork.com. In addition, such advertisements may be
placed by third party ad servers or ad networks. We maintain relationships with
a number of the third party ad networks currently operating. You may find more
information at the web site of either the individual ad network or the network
advertising initiative. Your relationships, transactions and any opt-out
requests with any such third party are governed by the specific policy such
third party has, and not those of www.cobrainsurancenetwork.com.
WWW.COBRAINSURANCENETWORK.COM MARKETING OPTING-OUT
We offer you choices when we ask for personal information, whenever reasonably
possible. We provide you the opportunity to “opt-out” of having your personal
information used for certain purposes, when we ask for this information. You may
decline to provide personal information to us and/or refuse cookies in your
browser, although some of our features or services may not function properly as
a result.
If you no longer wish to receive newsletter and promotional communications, you
may opt-out of receiving them by following the instructions included in each
newsletter or communication or by emailing or calling us per the information
contained on our contact page. You may continue to receive email communications
from us up to ten (10) business days from the time we receive your unsubscribe
request.
Please note that www.cobrainsurancenetwork.com can only control its own mailing
list and policies. Our business partners may maintain their own mailing lists,
and you may need to contact these parties directly in order to stop receiving
their communications. Third party advertisers may also advertise our services,
and you may have provided those third party advertisers consent to receive those
communications directly. Where that is the case, you may need to contact those
third parties directly in order to stop receiving their communications.
Although www.cobrainsurancenetwork.com only supports permission-based emails,
www.cobrainsurancenetwork.com does not obligate itself to restrict third parties
advertising www.cobrainsurancenetwork.com beyond that which is required by
applicable law.
THIRD PARTY LINKS
This Privacy Policy applies to all information that
www.cobrainsurancenetwork.com collects. However, when you visit web sites to
which www.cobrainsurancenetwork.com provides a link, keep in mind you will be
interacting with a third party that operates under its own privacy and security
policies, and terms of use. If you choose to obtain certain services through a
third party site, the data collected by the third party is governed by that
third party’s privacy policy. A third party site will also have its own policy
regarding the use of cookies and clear gifs. We encourage you to review the
privacy policies and terms of use of any other service provider from whom you
request services.
MINORS
You must be at least 18 years old to use this web site. We do not knowingly
collect, use, or disclose personal information about visitors under 18 years of
age. If you are under 18 years of age, you may not use the services offered on
our web site unless they are used with the consent, permission and supervision
of your parents or guardians.
UPDATING YOUR INFORMATION
If you want to access or update the personal information you submitted to
www.cobrainsurancenetwork.com please e-mail us at
info@CobraInsuranceNetwork.com or write us at the following address.
www.cobrainsurancenetwork.com Attn: Customer Care
12130 Millennium Drive, Ste 600
Los Angeles, CA 90094
QUESTIONS AND SUGGESTIONS
If you have any questions, concerns or suggestions about our Privacy Policy, you
may contact us:
(1) By sending an email to: info@CobraInsuranceNetwork.com
(2) By sending a letter to:
www.cobrainsurancenetwork.com
12130 Millennium Drive, Ste 600
Los Angeles, CA 90094
RETENTION
Unless otherwise stated above, www.cobrainsurancenetwork.com retains personal
information only as long as required to fulfill the purposes described above, or
as required by law.
We use the following criteria to determine how long to retain personal
information:
* Our relationship with you, and the products and services we provide to you
* Your requests to us regarding your information, or our products or services
* Any legal obligations to retain the data, or for our own legal purposes (such
as enforcing our agreements or litigation)
* Technical considerations, and level of protections in place for your personal
information
CHANGES TO THIS PRIVACY POLICY
www.cobrainsurancenetwork.com reserves the right to update or modify this
privacy statement at any time. The provisions contained in this Privacy Policy
supersede all previous notices or policies regarding our privacy practices. We
encourage you to check our site frequently to see the current privacy statement
and to be informed of how we are committed to protecting your information and
providing you with improved content on our website in order to enhance your
online experience. Upon any material changes to the policy statement, we will
post those changes to this privacy statement, the homepage, and/or other places
we deem appropriate so that you are aware of what information we collect, how we
use it, and under what circumstances, if any, we disclose it. Our Privacy Policy
will indicate the date it was last updated. Your continued use of our site will
signify your acceptance of the changes to our Privacy Policy.
YOUR CALIFORNIA, COLORADO, VIRGINIA, UTAH, AND CONNECTICUT PRIVACY RIGHTS
CCPA, CPRA, VCDPA, CPA, UCPA, and CTDPA
The California Consumer privacy Act of 2018 (the CCPA) and the California
Privacy Rights Act of 2020 (CPRA) may offer you additional rights as a
California resident, the Virginia Consumer Data Protection Act (VCDPA) may offer
you additional rights as a Virginia resident, the Colorado Privacy Act (CPA) may
offer you additional rights as a Colorado resident, the Utah Consumer Privacy
Act (UCPA) may offer you additional rights as a Utah resident, and the
Connecticut Data Privacy Act (CTDPA) may offer you additional rights as a
Connecticut resident, as detailed below. Certain requests may require
verification, which involves matching data you provide through your request with
data that we have previously collected. We may also require email verification
prior to sending requested information to your email address. For authorized
requests, you may be required to provide confirmation via the email address that
we have on file. If the email address does not match, we may specify additional
steps to confirm such authorization.
RIGHT TO TRANSPARENCY
In accordance with California Civil Code Sec. 1798.100, businesses that collect
personal information of California resident users have a responsibility to
provide notice to the consumer regarding (1) The categories of personal
information to be collected and the purposes for which the categories of
personal information are collected or used and whether that information is sold
or shared, (2) the categories of sensitive personal information to be collected
and the purposes for which the categories of sensitive personal information are
collected or used, and whether that information is sold or shared, and (3) the
length of time the business intends to retain each category of personal
information, including sensitive personal information, or if that is not
possible, the criteria used to determine that period, among other information.
In accordance with the VCDPA, the CPA, the UCPA, and the CTDPA, businesses that
collect personal information of Colorado ,Virginia, Utah, and Connecticut
consumers have a responsibility to provide notice to the consumer regarding the
categories of personal information to be collected and the purposes for which
the categories of personal information are collected or used and whether that
information is sold or shared. For information on how your personal information
is collected and used, please read this Privacy Policy in its entirety
RIGHT TO REQUEST ACCESS TO PERSONAL INFORMATION
In accordance with California law (under California Civil Code Secs. 1798.100,
1798.110, and 1798.115), the VCPDA, the CPA, the UCPA, the CTDPA and other
applicable state and federal regulations, you may request confirmation of
whether your information is being processed and a portable report of personal
information collected about you, the categories of sources from which such
personal information was collected, the purpose of such collection and the
categories of third parties with whom your personal information was shared or
sold. This complimentary report may be requested twice in a twelve-month period
and will be provided within forty-five (45) calendar days from the request
submission date upon verification of your identity. A request authentication
measure is in place to ensure that your personal information is not being
distributed to the wrong parties. Failure to comply with all necessary steps
will result in an incomplete request and your consumer information report will
not be sent. You may opt to receive your report electronically or by postal
mail.
To request your report, call the following toll-free number or fill out our
electronic form after clicking the link below:
855-905-2395
PII Report Request
RIGHT TO CORRECT INFORMATION
California consumers under California Civil Code Sec. 1798.106, Virginia
consumers under the VCPDA, Colorado consumers under the CPA, and Connecticut
consumers under the CTDPA have the right to request that any personal
information held by our business is corrected and that accurate information is
on file. If you would like to request a correction of your personal information,
then please complete our “Correct My Personal Information” form linked below.
Correct My Personal Information
PERSONAL INFORMATION REMOVAL/DELETION
If you are a California resident under California Civil Code Sec. 1798.105, a
Virginia consumer under the VCPDA, a Colorado consumer under the CPA, a Utah
consumer under the UCPA, or a Connecticut consumer under the CTDPA , you have
the right to request that your personal information is removed from our systems.
If you would like your personal information removed, please call the toll-free
number below or fill out our information removal form after clicking the link
below. All information removal requests will be processed within forty-five days
of receipt of the request.
855-905-2395
Delete My Personal Information
RIGHT TO OPT-OUT OF SALE OR SHARING OF YOUR DATA (DO NOT SELL OR SHARE MY
PERSONAL INFORMATION) FOR CALIFORNIA RESIDENTS
As a California resident, you have the right to opt-out of the sale or sharing
of your personal information. If you would like to opt-out, then please fill
out our opt-out form after clicking the “Do Not Sell or Share My Personal
Information” link located at the bottom of the applicable website, also
available here:
Do Not Sell or Share My Personal Information
Do Not Sell or Share My Personal Information Request for Virginia, Colorado,
Utah, and Connecticut Residents
Virginia, Colorado, Utah, and Connecticut consumers also have the right to opt
out of the processing of their personal data for purposes of, depending on the
state, targeted advertising, the sale of personal data, or profiling in
furtherance of decisions that produce legal or similarly significant effects
concerning the consumer. If you would like to opt out of the processing of your
personal data for those purposes, then please complete our “Personal Data Use
Opt-Out” form linked below click on the “Do Not Sell or Share My Personal
Information” link located at the bottom of the applicable website.
Personal Data Use Opt-Out
RIGHT TO LIMIT USE AND DISCLOSURES OF SENSITIVE PERSONAL INFORMATION
As a consumer you have the right to request limited use and disclosure of your
sensitive personal information. If you would like to limit the use or disclosure
of this information, then please fill out our “Limit Use of My Sensitive
Personal Information” form linked below.
Limit Use of My Sensitive Personal Information
CONSENT TO USE MY SENSITIVE INFORMATION FOR VIRGINIA, COLORADO, UTAH, AND
CONNECTICUT RESIDENTS
If you are a Virginia, Colorado, Utah, or Connecticut consumer, we do not
collect or process your sensitive data (as defined in the VCDPA, CPA, UCPA, and
CTDPA) without your consent.
RIGHT NOT TO BE DISCRIMINATED AGAINST
Under California Civil Code Sec. 1798.125, the VCDPA, CPA, UCPA, and the CTPA,
www.cobrainsurancenetwork.com shall not deny any good or service to you, charge
you a different price, provide a different level or quality of any such good or
service or suggest you will receive a different price due to your exercising any
of your rights under the CCPA, CPRA, VCDPA, CPA, UCPA, and CTPA.
RIGHT TO APPEAL
If you are a Colorado, Virginia, or Connecticut consumer and if
www.cobrainsurancenetwork.com; denies your exercise of any of your rights set
forth above, then you may appeal such denial by using the same method as
described above to appeal that decision.
CALIFORNIA’S SHINE THE LIGHT
Companies that collect personal information from California residents and
disclose such information to Third Parties (including affiliated entities) for
marketing purposes must, in response to a request by a consumer, either (1)
provide a list detailing the categories of information shared and the entities
to which such information was provided, or (2) provide a mechanism by which a
consumer may opt-out of having their information shared with Third Parties. We
have elected the second option and you may request that your personal
information not be shared with Third Parties by sending your request, including
your full name, email address and postal address to:
info@CobraInsuranceNetwork.com or by mail to California Privacy Information c/o
www.cobrainsurancenetwork.com 12130 Millennium Drive, Ste 600 Los Angeles, CA
90094.
In accordance with California Civil Code Sec. 1798.83, California resident users
are entitled to know that they may file grievances and complaints with
California Department of Consumer Affairs, 400 R Street, Suite 1080, Sacramento,
CA 95814; or by phone at 916-445-1254 or 800-952-5210 or by email to
dca@dca.ca.gov.
PLEASE RETAIN A COPY OF THIS POLICY FOR YOUR RECORDS.
LAST UPDATED 12/22/22
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ACCESSIBILITY
CobraInsuranceNetwork is committed to making our website’s content accessible
and user friendly to everyone. If you are having difficulty viewing or
navigating the content on this website, or notice any content, feature, or
functionality that you believe is not fully accessible to people with
disabilities, please call our Customer Service team at 855-905-2395 or email our
team at info@CobraInsuranceNetwork.com with “Disabled Access” in the subject
line and provide a description of the specific feature you feel is not fully
accessible or a suggestion for improvement. We take your feedback seriously and
will consider it as we evaluate ways to accommodate all of our customers and our
overall accessibility policies. Additionally, while we do not control such
vendors, we strongly encourage vendors of third-party digital content to provide
content that is accessible and user friendly.
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