Privacy Policy

Effective Date: July 20, 2023

Reframe Financial (“Reframe,” “we,” “us,” or “our”) is committed to protecting the information we collect from or about you. This Privacy Policy explains the information we collect, use, and disclose, including when you visit or use our website, https://www.reframefinancial.com (“Website”). This Privacy Policy applies to all services, products, and websites (collectively, the “Services”) offered by us. The Privacy Policy does not apply to information collected through third-party websites or services that you may access through the Website. By using our Services, you acknowledge you understand the practices described in this Privacy Policy.

Information We Collect and How We Collect It

We may collect information, including your personal information, from or about you in a number of ways and sources depending on how you use the Services. We explain below the types of information we may collect from you:

Information you provide when you use our Website, such as your name and contact information;
Information that is automatically collected when you use or interact with our Services, such as cookies, geolocation, IP address, device information, or other online identifiers;
Information you provide when you take a pre-qualification quiz, answer pre-qualification questions, or request for a quote, including your age, state of residence, and demographics;
Information you provide when you apply for a policy, including your name, email address, home address, phone number, social security number, date of birth, driver license number, citizenship information, payment information, beneficiary information;
Nonpublic personal financial information, such as account number or information;
Medical information or history;
Employment information;
Transaction information, such as information about balances, payment history and parties to the transaction, or information about your transactions with nonaffiliated third parties; and
Other information you may choose to provide to us.

We may also receive information about you from third parties, such as business partners, insurers, agents, reinsurers, insurance support organizations, underwriters, government agencies, publicly available sources, and other data sources, which may include:

Driving record or history;
Health history, including testing results from laboratory database;
Pharmaceutical data and medical claims history or information;
Information provided by MIB, Inc. (formerly known as Medical Information Bureau) from its database; and
Information or reports provided by a consumer reporting agency, including information about your credit history or credit worthiness.

How We Use Your Information

We, our service providers, business partners, or other third parties may use the information we collect about you for various purposes, including:

To respond to your request or to communicate with you;
To provide you with the information or the product and Services you requested;
To send email communications and/or newsletters that may be of interest to you, including marketing communications;
To offer products and services;
To process and review your application and other information about you;
To provide support related to our Services;
To analyze and improve our Services, including analyzing usage trends;
To enhance customer’s experience with our Services;
To improve, enhance, and repair the functionality of our Services;
To maintain the security of the Services, including maintaining internal records;
To detect fraud;
To comply with applicable laws and requirements; and
To enforce the Terms of Use.

In certain circumstances, we may aggregate and/or de-identify information collected for additional purposes.

How Your Information is Disclosed or Shared

Your personal information may be disclosed or shared in different ways and purposes, including in the following circumstances:

To share information with service providers, contractors, and vendors that assist the operations of our Services;
To disclose information with third parties, such as insurers, brokers, producers, reinsurers, underwriters, agents, third party administrators, insurance support organizations, or nonaffiliated third parties;
To determine an individual’s eligibility for an insurance benefit or payment;
To be retained or disclosed by insurance support organizations regarding information obtained from a report prepared by an insurance support organization;
To share with a medical care institution or medical professional for certain purposes, such as verifying insurance coverage or benefits;
To perform marketing services about our Services or for other third parties, including for joint marketing;
To perform an audit, report claims experience, or a research study;
To comply with applicable laws or to respond to a subpoena, court order, government request, or other legal process;
To share with an insurance regulatory authority, law enforcement or other governmental authority;
To maintain the security and integrity of our Services;
To protect our interests, rights, safety, or property or those of others;
To detect or prevent criminal activity, fraud, material misrepresentation or material nondisclosure in connection with an insurance transaction;
As a part of a corporate transaction, such as in connection with a merger, divestiture, acquisition, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by us is among the assets transferred;
To produce relevant documents or information in connection with litigation, arbitration, mediation, government or internal investigations, or other legal or administrative proceedings;
Any other disclosure with your consent or authorization; and
Otherwise permitted or required by law.

Retention of Your Information

We may retain personal information for as long as reasonably necessary to fulfill the purposes for which it was collected. In some circumstances, we may retain personal information for longer periods of time as may be necessary to comply with legal or regulatory requirements, as permitted by law, or to defend legal claims or resolve disputes.

Your Privacy Rights and Choices

You may have certain privacy rights and choices to the extent applicable under the relevant laws. Please note that these rights are not absolute, and in certain cases, we may decline your request or comply in a more limited way, in accordance with and as permitted under the applicable laws.

You may have the:

Right to access your recorded personal information;
Right to correct, amend, or delete the portion of your recorded personal information;
Right to appeal denial of your request; and
Right to opt-out of disclosing nonpublic personal financial information to nonaffiliated third
parties.

To exercise any of these rights, you may submit a request by either completing a request on https://www.reframefinancial.com/ or by sending an email to: CustomerCare@reframefinancial.com

We may need to verify your identity to process your request depending on the type of the request. In certain circumstances, we may charge a reasonable fee to cover the costs incurred in providing a copy of recorded personal information to you.

How We Secure Your Information

We use reasonable administrative, physical, and technical safeguards designed to prevent unauthorized access, use, or disclosure of your personal information and to protect the confidentiality and security of nonpublic personal financial information. With respect to your nonpublic personal financial information, our designated personnel is authorized to have access to the information.

Although we exercise reasonable care in providing secure transmission and storage of the personal information you provide to us through the Services, no method of transmission over the Internet, and no means of electronic storage, is absolutely secure. Accordingly, we cannot guarantee the absolute security of your personal information.

Cookie Policy

We and third parties working on our behalf may also place, view, and/or use cookies and other electronic tools to collect information about your use of this Website. A cookie is a small text file placed on your computer. Cookies help us understand how our Website is being used and improve your user experience. Personal information collected by cookies may include your device’s IP address, browser type, operating system, computer platform, web pages viewed, and/or the date and time of your visit. We or third parties may use such information for certain purposes, including to support functions on this Website, to enhance your experience with this Website, or to analyze and compile the usage of this Website.

Most browsers include tools to manage or disable cookies. You can visit the help function on most browsers to modify how your browser handles cookies. However, if you disable cookies, certain features of this Website may not function or function properly.

Web Beacons. Web beacons are tiny graphic image files embedded in a web page or email that allow website operators to check whether you have viewed a particular web page. We use the information collected by web beacons to monitor how many people are using our Website.
“Do Not Track” Signals. Some web browsers have “Do Not Track” or similar features that allow you to tell each website you visit that you do not want your activities on that website tracked. Our Website does not currently respond to “Do Not Track” signals.

Links to Third-Party Websites

Our Website may contain links to third-party websites. We do not control third-party websites and are not responsible for any information you may provide while on such third-party websites. Any information provided on such websites is governed by the privacy policies of the third-party websites and not this Privacy Policy. We encourage you to read the privacy policies on those websites before providing your information on such websites.

Children’s Privacy

This Website is not intended for children under 13 years of age, and we do not knowingly collect personal information from children under 13. If you are under 13, you are prohibited from using or providing any information through this Website or any of its features. If we learn we have collected or received personal information from a child under 13 without verification of parental consent, we will promptly delete that information.

Transfer of Personal Information

We are based in the United States, and the Website is designed for users in, and operated by us from, the United States. If you reside outside the United States and use our Website or otherwise provide information to us, you acknowledge that your information will be transferred to and processed in the United States for the purposes described in this Privacy Policy, which may provide different levels of privacy protection than the country you are located in.

Marketing Communications

We may send email marketing correspondence to you about our Services. To unsubscribe from these communications, please follow the unsubscribe instructions contained in the emails or contact us using the contact information below.

Modifications to this Privacy Policy

We reserve the right to modify this Privacy Policy at any time by posting the revised version on this Website and updating the last modified date. We encourage you to review the Privacy Policy whenever you access this Website or otherwise interact with us to stay informed about our privacy practices.

Questions Regarding this Privacy Policy

If you have questions or concerns regarding this Privacy Policy or our privacy practices, please contact us at CustomerCare@reframefinancial.com