PRIVACY POLICY

NFP (“Company”) strives to offer visitors to its websites identified at www.marketplace.nfp.com (the “Site”) the many advantages of Internet technology and to provide an interactive and personalized experience. In order to do so, we may obtain certain personal information from you. The purpose of this privacy policy (“Privacy Policy”) is to inform you about the types of information we gather when you visit the Site, how we may use that information, and the choices you have regarding our use of that information. This Privacy Policy supplements and is incorporated as a part of Company’s Terms of Use. Throughout this Privacy Policy, “we,” “our” or “user” refers to Company, and “you” or “your” refers to the person or entity who accesses or uses this Site or its content.This Privacy Policy applies solely to information collected at the Site. If you have questions or concerns about our privacy practices or wish to make a request regarding your information, please contact us at nfpmarketplace@nfp.com.

This Privacy Policy does not apply to the following: (1) Information collected through mediums other than the Site; or (2) Information collected by any person or entity other than us, even if related to our Services (such as a third-party website, application, widget or lead form).

RIGHT TO CHANGE POLICY

We reserve the right to update, amend and/or change this Privacy Policy at any time in our sole discretion and without notice. Updates to the Privacy Policy will be posted here. Amendments will take effect immediately upon us posting the updated Privacy Policy on our Site. The date on which this Privacy Policy was last updated will be noted immediately above this agreement. Your continued access and use of the Site following the posting of any such changes shall automatically be deemed your acceptance of all changes.

COLLECTION AND USE OF INFORMATION FROM USERS

We collect information on our Users in various ways, which may include your voluntary submissions or requests for information, through surveys and promotions or through “cookies” (as explained below) and other tracking technology. The information we collect is used in a variety of ways including, but not limited to: fulfilling and providing services requested by you; improving the Site and our services; notifying you about updates to the Site and our services; and/or informing you about products, services and promotions in which you may have interest. With your authorization or as otherwise permitted under this Privacy Policy, we may also share the information you provide with third parties. Finally, we may collect, receive and store information regarding your general use of the Site (such as details of how and when you used the Site, interactions with the Site , log in information, resources that you access, your Internet protocol address, your browser type, and your device type), as well as your preferences. If you do not wish us to collect cookies, you may set your browser to refuse cookies, or to alert you when cookies are being sent. If you do so, please note that some parts of our Services may then be inaccessible or may not function properly.

PERSONALLY IDENTIFIABLE INFORMATION

Personally Identifiable Information refers to information that tells us specifically who you are, such as your name, phone number, e-mail, or postal address, and possibly information relating to certain support or customer service issues (“Information” or “Personally Identifiable Information”). You generally do not need to provide us with Personally Identifiable Information to use this Site or to obtain information from most of the features on the Site.

In some cases, however, you may be asked to provide Personally Identifiable Information in order to access certain pages of this Site, to use or subscribe to certain online services on this Site or other products or to allow us to provide you with certain personalized or enhanced services that you have requested. How we collect and store information depends on the page you are visiting, the activities in which you elect to participate and the services provided. If you do not want to provide us with any Personally Identifiable Information, you can always decide not to use such services or access such pages on the Site.

HOW WE USE YOUR INFORMATION

We may make Use of Your Information for various lawful business purposes. These purposes may include using Your Information to:

• 1. Provide customer support. For example, we might confirm and complete transactions requested by you, verify information you provide to us and provide you with administrative notices.
• 2. Analyze, improve and manage the Site. For example, we might obtain feedback regarding our Site, understand and anticipate your needs and preferences, better understand your use of our Site, customize and tailor Site content and advertising, improve our marketing and promotional efforts, engage in statistical analysis and provide feedback to our vendors, and other third parties.
• 3. Resolve problems and disputes, and engage in other legal and security matters. For example, we may use your Information to comply with, monitor compliance with and enforce this Privacy Policy, our Terms of Use and any other applicable agreements and policies, meet other legal and regulatory requirements, and to protect the security and integrity of the site.

HOW WE DISCLOSE YOUR INFORMATION

We may disclose your Information:

• 1. To our third-party vendors so that they may provide support for our internal and business operations, including the handling of data processing, data verification, data storage, surveys, research, internal marketing, delivery of promotional, marketing and transaction materials, and our Services’ maintenance and security. These companies are authorized to use your Information only as necessary to provide these services to us and are contractually obligated to keep your Information confidential;
• 2. To third parties such as insurance providers when you use the Site to request a quote, services, or information from one or more of those third parties (“Requested Service Providers”), such as by clicking “get your quotes” or other similar buttons at the end of a form;
• 3. To third parties when you engage in certain activities through the Site that are sponsored by them, such as purchasing products or services offered by a third party or electing to receive information or communications from a third party. When we disclose Your Information to these third parties, your Information will become subject to the information use and sharing practices of the third party, and the third party will not be restricted by this Privacy Policy with respect to its use and further sharing of Your Information;
• 4. As required by law or ordered by a court, regulatory, or administrative agency;
• 5. As we deem necessary, in our sole discretion, if we believe that you are violating any applicable law, rule or regulation, or are otherwise interfering with another’s rights or property, including, without limitation, our rights or property;
• 6. If requested by authorities in the event of any act of terrorism or instance of local, regional or national emergency;
• 7. To enforce our Terms of Use this Privacy Policy, and any other applicable agreements and policies;
• 8. To enforce or protect our rights;
• 9. In connection with a Business Transfer, as defined below (see Business Transfers below); and
• 10. To our affiliated companies (i.e., companies under common control or management with us).

If you do not want your Information shared as described above, then you should not provide us with your Information.

AGGREGATE INFORMATION

From time to time, we may collect general, non-personal, statistical information about the use of the Site, such as how many visitors visit a specific page on the Site, how long they stay on that page, and which hyperlinks, if any, they click on. This information represents a generic overview of our users’ collective viewing habits and allows us and other third parties to modify information, promotions, offers and/or discounts on products and services based on user traffic and behavior. We collect this information through the use of technologies such as “cookies,” which are discussed in greater detail in this Privacy Policy. We collect this information in order to determine which areas of the Site are most popular and to enhance the Site for visitors. We may also group this information into aggregate visitor data in order to describe the use of the Site to our existing or potential business partners or other third parties, or in response to a government request. From time to time, we may use this information to optimize third-party offers of products and/or services. We also may share aggregated demographic and preference data with third parties to enable the provision of targeted information, promotions, offers and/or discounts on products and services. However, please be assured that this aggregate data will in no way personally identify you or any other visitors of the Site.

DEVICE INFORMATION

When you use our Site through your computer, mobile phone or other device, we may collect information regarding and related to your device, such as hardware models and IDs, device type, operating system version, the request type, the content of your request and basic usage information about your use of our Site, such as date and time. In addition, we may collect information regarding application-level events and associate that with your account to provide customer service. We may also collect and store information locally on your device using mechanisms such as browser web storage and application data caches.

LOCATION INFORMATION

If you enable the collection of location information on your device, then we may collect information about your actual location, such as your mobile device’s GPS coordinates. We may also use other technologies to determine your location (such as through the location of nearby Wi-Fi access points or cell towers), or obtain your location information from third parties.

COOKIES AND OTHER TRACKING TECHNOLOGIES

Like most websites, this Site also may collect information automatically and through the use of electronic tools that may be transparent to users. For example, Company may automatically collect Non-Personally Identifiable Information and data through the use of “cookies.” Cookies are small text files a website uses to recognize repeat users, facilitate the user’s ongoing access to the website and facilitate the use of the website. Cookies also allow a website to track usage behavior and compile site usage information that will allow for the improvement of content and target advertising. Most browsers allow you to control cookies, including whether or not to accept them and how to remove them. You may set your browsers to notify you if you receive a cookie, or you may choose to block cookies with your browser. However, please be aware that some features of our Site may not function or may be slower if you refuse cookies. You may occasionally get cookies from our advertisers or other third parties with links on the Site as described below. We do not control these cookies. The use of advertising cookies sent by third party ad servers is standard in the Internet industry. Tracking technologies may record information such as Internet domain and host names; Internet protocol (IP) addresses; browser software and operating system types; clickstream patterns; and dates and times that our Site is accessed. An IP address is a number that is automatically assigned to your computer whenever you are surfing the web. Web servers, the computers that “serve up” web pages, automatically identify your computer by its IP address. In addition, we reserve the right to use IP addresses and other tracking technologies to identify a visitor when we feel it is necessary to enforce compliance with our Terms of Use, to protect our Site, our customers or others, or when we believe in good faith that the law requires it. The Site may also use technology called “tracer tags.” These may also be referred to as “Clear GIFs” or “Web Beacons.” This technology allows us to understand which pages you visit on the Site. These tracer tags are used to help us optimize and tailor our Site for you and other Users of our Site.

PROTECTION OF COMPANY AND OTHERS

Company fully cooperates with law enforcement agencies in identifying those who use our Site for illegal activities, and may in its sole discretion disclose Personally Identifiable Information or other information to satisfy any law, regulation, subpoena, or government request or in connection with litigation. Company reserves the right to release Personally Identifiable Information or other information about Users who we believe are engaged in illegal activities or are otherwise in violation of our Terms of Use, even without a subpoena, warrant or court order, if we believe, in our sole discretion, that such disclosure is necessary or appropriate to comply with any laws, to operate the Site, or to protect the rights or property of Company, its affiliates, or any of their officers, directors, or employees, agents, third party content providers, suppliers, sponsors, or licensors. Company also reserves the right to report to law enforcement agencies any activities we reasonably believe in our sole discretion to be unlawful.

DATA SECURITY AND INTEGRITY

We take reasonable precautions to protect the privacy, accuracy and reliability of any information you provide and to protect such information from loss, misuse, unauthorized access, disclosure, alteration and destruction. The Personally Identifiable Information you provide and we collect is stored within databases that we control directly or through our service providers. As we deem appropriate, we use security measures consistent with industry standards, such as firewalls and encryption technology, to protect your information. However, since no security system is impenetrable, we cannot guarantee the security of our databases, nor can we guarantee that information you supply will not be intercepted while being transmitted to us over the Internet. As a result, you transmit any information to or from the Site at your own risk. If you create an account on this Site, you may be asked to choose a password for your account, in which case your online account information shall be protected by your password. We recommend that you do not disclose your password to any other person. You are responsible for maintaining the confidentiality of your password and Site account and are fully responsible for all activities that occur under your password or Site account. You can access and update information in your account profile at any time by logging in to the website with your login name and password. Once you have logged in, you can update certain of your information such as your name, e-mail, password, and/or change your address.

OUR SERVICE PROVIDERS

We may sometimes use other businesses to perform certain services for us, such as hosting or maintaining our Site, storing your information, processing orders or subscriptions, or providing marketing assistance and data analysis. We may provide Personally Identifiable Information to service providers when that information is necessary for them to complete a requested transaction or otherwise perform their duties. Company will take reasonable steps to ensure that these service providers are notified of their obligations to reasonably protect Personally Identifiable Information on Company’s behalf.

BUSINESS TRANSFERS

As we continue to develop our business, we may buy other businesses or their assets or sell some or all of our business assets. Personally Identifiable Information and other customer information is generally one of the business assets involved in such transactions. Thus, in the event that Company or all of its assets are acquired, such information may be one of the transferred assets.

AFFILIATED SITES, LINKED SITES AND ADVERTISEMENTS

Company expects its partners, advertisers and third-party affiliates to respect the privacy of our users. However, third parties, including our partners, advertisers, affiliates and other content providers accessible through our Site, may have their own privacy and data collection policies and practices. For example, during your visit to our Site you may link to, or view as part of a Company page, certain content that is actually created or hosted by a third party. Also, you may be introduced to, or be able to access, information, websites or advertisement features offered by other parties through the Site. Company is not responsible for the actions or policies of such third parties. You should check the applicable privacy policies of those third parties when providing information on a feature or page operated by a third party. Please be careful and responsible whenever you are online. Should you choose to voluntarily disclose Personally Identifiable Information on our Site, such as completing an online form request or e-mail link, that information can be viewed publicly and can be collected and used by third parties without our knowledge and may result in unsolicited messages from other individuals or third parties. Such activities are beyond the control of Company and this Privacy Policy. If you later decide that you no longer want to receive communications from a third party, you will need to contact that third party directly.

Note that certain third-party advertising networks that deliver behavioral advertising are members of the Network Advertising Initiative (“NAI”). You can prevent NAI member companies from collecting preference data about you by clicking here and following the NAI’s directions. Note that if you opt out through the NAI, you will still receive advertising. In addition, if you opt out through the NAI and later delete your cookies, use a different browser or buy a new computer, you will need to renew your opt out choice.

SOCIAL MEDIA WIDGETS

Our Site may include social media features, such as the Facebook Like button or interactive mini-programs that run on our Site. These features may collect your IP address, which page you are visiting, and may set a cookie to enable the feature to function properly. Your interactions with these features are governed by the privacy policy of the third party providing it.

LINKS TO THIRD-PARTY WEBSITES

Our Services, as well as the email messages sent with respect to our Services, may contain links or access to websites operated by third parties that are beyond our control. For example, if you click to apply for a product through our Services, you may be linked to a third-party website to complete an application. Links or access to third parties from our Services are not an endorsement by us of such third parties, or their websites, applications, products, services, or practices. We are not responsible for the privacy policy, terms and conditions, practices or the content of such third parties. These third-parties may send their own cookies to you and independently collect data. If you visit or access a third-party website, application or other property that is linked or accessed from our Services, we encourage you to read any privacy statements and terms and conditions of that third party before providing any personally identifiable information. If you have a question about the terms and conditions, privacy policy, practices or contents of a third party, please contact the third party directly.

CHILDREN

We understand and share your concerns regarding your children’s access to Internet and the Internet’s access to your children. Consistent with the Children’s Online Privacy Protection Act of 1998 (COPPA), we do not knowingly request or accept Personally Identifiable Information submitted to the Site by any visitor under 13 years of age. If we become aware that an individual under age 13 has provided information to Company through the Site, we will not use or disclose that individual’s information for any purpose unless required to do so by law.

DO NOT TRACK SIGNALS

California law requires us to let you know how we respond to web browser Do Not Track (DNT) signals. Because there currently is NOT an industry or legal standard for recognizing or honoring DNT signals, we do NOT respond to them at this time.

OPERATION OF OUR SERVICES IN THE UNITED STATES

The Site is operated in the United States. If you are located in the European Union, Canada or elsewhere outside of the United States, please be aware that any information you provide to us will be transferred to the United States. By accessing the Site or providing us with your Information, you consent to this transfer.

APPLICABLE LAW

This Privacy Policy shall be governed by the laws of the State of New York location, United States of America, without regard to conflicts of law principles. Any action relating to this Privacy Policy must be filed and maintained in a state or federal court located in New York City, New York and each user consents to exclusive jurisdiction and venue in such courts for such purpose.