Privacy Policy

Your privacy is important to us, so we have developed a detailed policy with respect to the collection, maintenance, and use of information gathered from you during your interactions with Turbo Insurance and its affiliates (also referred to as Turbo, we, us, our).  By using this website and engaging with Turbo Insurance, you accept the terms of this Privacy Policy.  This Privacy Policy may be updated from time to time, and any updates will be published on this website.  This Privacy Policy was last updated on March 24, 2024.

What Information Do We Collect and Store?

The information we may receive from you or a third party includes:

• Your name, e-mail address, telephone number, post address, date of birth, marital status, household information, property information, employer, occupation, previous insurance.

• Information about your transactions with us, or with our affiliates or others, including information such as your policy, coverage, premiums and payment history.

• Financial information such as billing, bank account, credit card, driver’s license number, social security number, income and account numbers.

• Records and copies of your communications with us.

• Information about your location, demographics, use of the Website and the Internet.

How do we collect your information?

We gather information about you in the following ways:

• Information that is automatically collected when you visit our website

• In email, texts, and other web submissions between you and this website

• Content you submit or post

• Information we receive from consumer reporting agencies and other third parties

• Information you provide for purposes of receiving a quote, filing a claim, or servicing your policy

We collect some information automatically when you view the website through use of cookies, web server logs, and other web monitoring tools.  We use web “cookies”, which record your preferences and actions. We may also use cookies to monitor traffic, improve the Website and make it easier and/or relevant for your use.

If you visit the website, view our emails, or interact with communication features on our website, we may collect the following information about you automatically:

• Non-identifiable demographic data such as age, gender, school name, and five-digit zip code as part of collecting personal information.

• Information about your operating system, computer, browser, mobile device, or other device that you use to access the Website. This information may include IP address, geolocation information, unique device identifiers, browser type, browser language, and other transactional information.

• Analytics and usage information about your use of the website (an “activity log”).

• Log files such as time of access, date of access, software crash reports, session identification number, access times, and referring website addresses.

• Other information regarding your use of the Website.

You also may supply us or our agents with your personal information. The following lists the most common ways in which we may collect your personal information:

• When you submit information to process your insurance or non-insurance application, quote or other transaction that you have requested.

• When we receive information from a consumer-reporting agency including your credit history and creditworthiness.

• When you call us, complete an application, make a policy change or report a claim.

• Signing up to receive alerts or other information via email, text, instant message, phone, or chat from us.

• Requesting customer service or other assistance for our insurance or non-insurance products that you are covered by (including as provided by affiliates and unaffiliated third parties such as underwriters, insurance carriers, benefit providers, and third party administrators).

• Submission of content or other data and information on any part of the Website as may be permitted.

• Any other place on the Website where you knowingly volunteer personal information.

When you interact with any of our pages or our account on a social media platform, such as Facebook, Twitter, Google+, Tumblr, LinkedIn, YouTube, or Pinterest, we may collect the personal information that you make available to us on that page or account including your account ID or “handle”. However, we will comply with the privacy policies of the corresponding social media platform and we will only collect and store such personal information that we are permitted to collect by these social media platforms.

Collection of Personal and Non-Personal Information From Other Sources

We also may collect and store information about you that we receive from other sources (including by us from our offline interactions with you) to, among other things, enable us to update and correct the information contained in our database and to better customize your experience on the Website. Additionally, we may also obtain information such as credit reports, claims history, and investigative reports from other sources. The information we obtain about you may come from other insurance companies, insurance support organizations, credit bureaus, property data collection services, or other providers of information.

We work with a variety of advertisers, advertising networks, advertising servers and analytics companies. These parties use various technologies, and technologies from third-party companies, to collect data in order to send and serve relevant advertising to users.  To the extent that those parties have their own Privacy Policies, those policies will govern the collection, maintenance and use of your information when it is in that party’s custody.

Do We Collect Information From Children?

We do not intentionally collect information from children under 13 years of age, and children under age 13 should not submit any information to us. If we become aware that a child has provided us with information without parental consent, or a parent or guardian of a child contacts us through the contact information provided below, we will use reasonable efforts to delete the child’s information from our databases.

How Do We Use Your Information?

We use the information we learn from you to help us personalize and continually improve your experience on the Website. We may, as permitted by law, use your Information in the following ways:

General Uses

• Verify your identity and eligibility.

• Offer you products and services.

• Process the transaction that you have requested.

• Maintain your account and user profile.

• Provide support, service and assistance for our products that you are covered by (including as provided by affiliates and unaffiliated third parties such as underwriters, carriers, benefit providers and third party administrators).

• Communicate with you about your transactions with us (including product related announcements), your policy, claims and send you information about features and enhancements on our website.

• To maintain security of your records and information with us.

• Inform you about changes to our policies.

• Personalize content and experiences on our website including providing you reports, recommendations and feedback based on your preferences.

• To create anonymized information to develop statistics and other details regarding the use of our website.

• Optimize or improve our products, services, website and operations.

• Detect, investigate, and prevent activities that may violate our policies or be illegal.

• Perform statistical, demographic, and marketing analyses of users of our products, services, and website.

Who Do We Provide Your Information To?

We may share aggregated, de-identified, or anonymized data about you that does not identify you directly with third parties for any purpose, including marketing. Except as disclosed in this Privacy Policy, we do not disclose information about you to any companies not part of our company or our parent, subsidiaries or related entities.

Third-party service providers

We contract with third party service providers to assist in the day-to-day operation of our business such as marketing firms, banks, lawyers, accountants, information technology management, web hosting companies, document printing services, and other third parties. These entities’ access to your information is limited to the information needed to perform their respective functions.  These entities are contractually obligated to maintain the confidentiality of your personal information.

Emergency Situations

We may also use or disclose Personal Information if permitted or required to do so by law or in the good-faith belief that such action is necessary to: (a) conform to applicable law, (b) protect and defend our rights or property, the website, or our other users, and (c) act under emergency circumstances. This includes exchanging information with other companies and organizations for fraud protection or any criminal activity including material misrepresentation or non-disclosure in connection with an insurance transaction.

Our E-mail Communications

By participating in the website you specifically agree to accept and consent to receiving e-mail communications initiated from us, which include, without limitation: message notification e-mails, emails about your insurance policy, claims, products, customer service, and e-mails informing you about new and existing products we provide.

What Steps Are Taken To Keep Personal Information Secure?

We are invested in the security of your Personal Information and take industry standard precautions to ensure that your information remains confidential.  Access to your personal information is limited as described herein.  Nonetheless, please be aware that no electronic communication is completely immune to unauthorized interception.

How Do I Opt-Out of Communications or Correct Information About Me?

You may always opt-out of receiving future e-mail messages and communications from us by following the unsubscribe instructions included on a particular email communication or by mailing a request to 8655 E Via De Ventura Suite G320, Scottsdale, AZ 85258. Please note that you may not elect to stop receiving communications related to the processing or servicing of your application, product, or account and you may receive communications on the same unless you cancel that product.

Your State-specific Privacy Rights

Nothing in this Privacy Policy is intended to restrict privacy rights extended by any jurisdiction where Turbo

Insurance Group is licensed.

CCPA Privacy Notice

This CCPA PRIVACY NOTICE is for California residents only and supplements the information contained in the Privacy Statement of Turbo and applies solely to visitors, client’s, users, and others who reside in the State of California (“consumers” or “you”). We adopt this notice to comply with the California Consumer Privacy Act of 2018 (“CCPA”) and other California privacy laws.  Any terms defined in the CCPA have the same meaning when used in this notice.

Information We Collect

We collect information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or device (“personal information”). In particular, we have collected the following categories of personal information from consumers within the last twelve (12) months: