Young Alfred

Privacy Policy

General

Young Alfred Inc. takes each person's right to privacy very seriously. This privacy policy applies to https://youngalfred.com owned and operated by Young Alfred Inc. (“Young Alfred”). This privacy policy describes how Young Alfred collects and uses the personal information you provide on our website: https://youngalfred.com This Privacy Policy (the "Young Alfred Privacy Policy") will help you understand how Young Alfred may collect, use and safeguard any personal information that may be used to identify you, such as your name, physical address, email address, and telephone number, among other types of information (collectively, referred to as “Personal Information”).

You may choose whether or not you provide Personal Information to Young Alfred. This Young Alfred Privacy Policy provides guidance with respect to when and where on the Young Alfred Website that we collect Personal Information, which should help you make an informed decision about providing any Personal Information. You may browse the Young Alfred website without providing Personal Information, however if you intend to apply for an insurance policy, we need certain Personal Information. This is because insurance rate information can be fact-specific to the person or persons applying for a policy. Thus, if you withhold certain Personal Information, not all content or features on the Young Alfred website will be available to you. In situations where you release Personal Information, Young Alfred has implemented processes intended to protect and safeguard your Personal Information.

Young Alfred strives to comply with all applicable laws around the world designed to protect your privacy. Legal requirements may differ from state to state and from country to country, though Young Alfred aims to adhere universally to the principles set forth in the Young Alfred Privacy Policy. It is Young Alfred’s intent to provide protection for your Personal Information regardless of where that information is collected, transferred or retained. Be advised that Young Alfred uses Amazon Web Services for web hosting, and that we use firewalls and state-of-the-art security technologies to prevent unauthorized access to any Personal Information that Young Alfred may collect.

Be advised that from time to time we may make changes to the Young Alfred Privacy Policy to address both our and your changing needs. If we make any changes, we will either notify you by email (send to the email address specified in your account) or by means of a notice on the Young Alfred website prior to the change becoming effective. We encourage you to regularly check this Young Alfred Privacy Policy to stay informed on our privacy policies.

Information Collected By Young Alfred

The Young Alfred website will pose questions as part of an insurance application in an effort to provide real insurance rates for you, and also make insurance related recommendations. Depending on the type of insurance application, we may collect sensitive information, such as name, physical address, email address, social security number, driver’s license number, and credit card number. These questions may also include items typically asked by personal lines Property & Casualty insurance companies, such as zip code, date of birth, age first licensed, occupation, education level, and so forth. Further, we may ask certain questions in an effort to assess your insurance needs and make a recommendation, such as asking for your Net Worth. In instances where you request to be contacted, we will ask for your name and telephone number.

When you fill out an application to get a quote from Young Alfred, we request your email address. This information lets us send your rates after you leave the site, so you have them for reference. Also, your email address enables us to retrieve your quotes, and avoid re-filling out an application, if you return to the Young Alfred website.

You may also provide Personal Information about other people, including name, gender, and date of birth. This information is only used to complete your request or for whatever other reason it may have been provided.

The insurance carriers that Young Alfred works with may use your claims, credit histories, and/or a credit-based insurance score to provide rates. By obtaining quotes, you will be consenting to the use of this information. We can provide a copy of any carrier privacy policy which explains how the carrier discloses and protects your personal information and how you can access and correct it, at your request. Note: the credit inquiries are only a soft hit and do not affect your credit score (FICO score) that you use when applying for a loan or credit card

We obtain address information about you from third party sources, such as the US Postal Service, to verify your address so we can properly ship your order to you and to prevent fraud. We may also use your address to identify certain risks associated with your address -- such as your property’s risk of flooding -- in an effort to identify your insurance needs.

Information Sharing

We may share your Personal Information with third parties only in ways that are described in this privacy policy. We do not sell your Personal Information to any third parties.

We may provide your Personal Information to third parties that help us with our business activities, such as email services or the live chat feature. These third parties are only authorized to use your Personal Information as deemed necessary to provide these services to us.

Tracking Technologies

Young Alfred and our service providers and marketing partners may use technologies such as cookies, beacons, tags and scripts. These technologies are used in administering the site, analyzing trends, tracking user movements around the site, and to gather demographic information about our user base in the aggregate. We may also receive reports from these companies that use these technologies on an individual or an aggregate basis.

Young Alfred uses cookies in an effort to streamline and improve your experience when you revisit the site to transact. Users are able to control the cookies at the individual browser level. You may disable cookies and still use our site, though some areas of the site or features may be limited.

Log Files

As is the case with most websites, we gather certain information automatically and store it in log files. This information may include browser type, internet protocol (IP) addresses, internet service provider (ISP), referring and exit pages, date and time stamps, operating system, and clickstream data.

In an effort to enhance your experience on our website, we may combine this log information with other information collected about you.

Local Storage Objects (HTML5)

We use Local Storage Objects, such as HTML5. Third party companies that we partner with provide certain features on our site to display advertising based upon your Web browsing activity, and use LSOs such as HTML5. Various browsers may offer management tools for removing HTML5 LSOs.

User Access and Choice

If you have any questions about our Privacy Policy, need to update your information, or no longer want our service, you can email any requests to our Customer Support at info@youngalfred.com or by contacting us by postal mail at the contact info below. We will respond to your request within 30 days.

We will retain your information for at least one year or as needed to serve you. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

Young Alfred Communications

Young Alfred was created to provide consumers a dramatically improved insurance shopping experience. Sticking with this vision, we do not send spam emails, and always welcome your feedback, positive or negative.

When you purchase a policy through Young Alfred, you agree to receive Young Alfred’s service communications your policy and usage of our products and services, including billing notices, change confirmations, and changes to our products and service. You may not unsubscribe from these service communications.

Young Alfred may send you emails regarding ours or third party promotions. Prior to purchasing a policy or after canceling a policy, Young Alfred may send you emails as a reminder to complete the application process, confirm a quote, or invite you back to the site to get a new quote and purchase a policy. It is our belief that these emails are helpful to you, though we allow you to opt-out of these emails at any time via the unsubscribe link.

Third-party Websites

Young Alfred is not responsible for the practices used by websites that are linked to or from the Young Alfred website, nor the content or information contained therein. Our Privacy Policy is no longer in effect when you use a link from our website to another website. Browsing and interaction on other websites, including those which have a link to the Young Alfred website, is subject to that website’s own policies.

Social Media Widgets

The Young Alfred website contains social media features, such as the Twitter and Facebook buttons and Widgets. These features may collect your IP address, the page you are visiting on our site, and set a cookie to enable the feature to properly function. These social media features and widgets are either hosted on our website or by a third party. Your interactions with these features and widgets are governed by the privacy policy of the company providing it.

Compliance with Children's Online Privacy Protection Act

The Young Alfred website is not designed to attract anyone under the legal driving age in the United States. Persons under the age of 16 should not use the Young Alfred website, and upon reading this should leave the Young Alfred site immediately. Accordingly, Young Alfred does not seek to collect Personal Information from people under the age of 16.

Security

We take the security of your Personal Information very seriously. We use secure socket layer (SSL) technology to encrypt the transmission of sensitive information that you provide, such as your credit card information on our billing forms.

We follow generally accepted standards to protect the Personal Information submitted to us, both during transmission and once we receive it. However, please beware that no method of transmission over the Internet, or method of electronic storage, is 100% secure. Therefore, we cannot provide a guarantee of absolute security. If you have any questions about security on our website, you can contact us at info@youngalfred.com.

Your Consent

By using the Young Alfred website, you consent to the terms of this Young Alfred Privacy Policy and to Young Alfred's processing of Personal Information for the purposes given above as well as those explained where Young Alfred collects Personal Information. As stated above, should the Young Alfred Privacy Policy change, we will notify you by email (sent to the email address specified in your account) or by means of a notice on this Site prior to the change becoming effective. We encourage you to periodically review this page for the latest information on our privacy practices.

Compliance with Legal Requirements; Law Enforcement

Any information collected by Young Alfred may be shared if it is necessary to investigate, prevent or prosecute illegal activities, suspected fraud, violations to the Terms and Conditions, when we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a government request or as otherwise required by law or a valid government request (including, but not limited to, search warrants, subpoenas or court orders). Young Alfred may also share information if it is acquired by or merged with another company. You will be notified via email and/or a prominent notice on our website of any change in majority ownership or uses of your personal information, as well as any choices you may have regarding your personal information.

Contacting Us

For more information, or if you have questions or concerns regarding Young Alfred's Privacy Policy, you may email us at info@youngalfred.com.

Last updated October 27, 2016

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