Next Generation Insurance Group, LLC, which may also do business as GradGuard (collectively “Next Generation Insurance Group” or “GradGuard” or “we”, “us”, or “our”) are strongly committed to letting you know how we may collect information and data from you or that you may provide when you visit the websites https://www.nextgenins.com or https://www.gradguard.com (our “Website”) and our practices for collecting, using, maintaining protecting, and disclosing that information.
We collect two types of information – personal and non-personal - from you in conjunction with your use of the Website and our products and services. Personal information is any information that can individually identify you and can include, among other things, your name, e-mail address, telephone number, postal address, date of birth, billing, credit card, and contact information. In addition, we collect information about your transactions with us, or with our affiliates or others, including information such as your policy, coverage, premiums and payment history. Personal information is also information that you may supply to us such as when you write to us via the Website, complete a survey, or provide your e-mail address. Non-personal information includes information that does not personally identify you, but it may include tracking and usage information about your location, demographics, use of the Website and the Internet.
You do not need to register or set up an account to view the Website and you can browse the Website without submitting your personal information to us. However, there are a number of circumstances in which you 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:
In addition, when you interact with the Website we may collect certain information that does not identify you individually and our servers may automatically keep an activity log of your use of our Website (“Non-Personal Information”). Generally, we may collect and store the following categories of Non-Personal Information:
We will collect and store location information about you on the Website and associated with your account, if any, that you volunteer on the Website or enable through the Website. We will not collect any location information that you do not volunteer or enable. We will delete any location information that you request is deleted. We do collect and store your device’s source IP address which may disclose the location of your device at the time you access the Website.
When you interact with any GradGuard page or account on a social media platform, such as Facebook, Twitter, Google+, Tumblr, LinkedIn, Instagram, 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.
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 may from time to time conduct a referral service to introduce people you know to us. If you choose to use our referral service to tell someone about our Website we will ask you for your contact’s name and email address. We will automatically send your contact a one-time email inviting him or her to visit our Website. GradGuard stores this information for the purpose of sending this one-time email and tracking the success of our referral program. Your contact may contact us at firstname.lastname@example.org to request that we remove this information from our database.
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 Personal and Non-Personal Information in the following ways:
Specifically, we use your location information to:
We use the information from one portion of the Website on other portions of the Website in reports and analysis, all of which are owned and operated by GradGuard, and we may combine information gathered from multiple portions of the Website into a single customer record or analysis or report. We also use and/or combine information that we collect off-line or we collect or receive from third party sources to enhance, expand, and check the accuracy of your customer records.
Federal law also gives you the right to limit some but not all marketing from GradGuard’s affiliated companies. You may limit our affiliated companies, such as any financial services affiliates operating under the brand names listed at this webpage from marketing their products or services to you based on your Personal Information that we share with them. This information may include your account history and credit history. Your choice to limit marketing offers from an affiliated company will apply for at least five (5) years from when you tell us your choice. Before your choice to limit marketing expires, you will receive a renewal notice that will allow you to continue to limit marketing offers from any GradGuard affiliated company for at least another five (5) years. If you have already made a choice to limit marketing offers from our affiliated companies, you do not need to act again until you receive the renewal notice. If you prefer to limit the marketing from an affiliated company, please contact us at email@example.com or 866-985-7598. Please note that your choice to limit marketing offers will not apply in certain circumstances as provided under applicable law, such as when you have an account or policy with the affiliated company that is marketing to you. An opt-out request from one joint customer will apply to all joint customers on the policy or account.
We have third-party agents, subsidiaries, affiliates and partners that perform functions on our behalf, such as hosting, billing, push notifications, storage, bandwidth, content management tools, analytics, customer service, fraud protection, etc. These entities have access to the Personal Information needed to perform their functions and are contractually obligated to maintain the confidentiality and security of that Personal Information. They are restricted from using, selling, distributing or altering this data in any way other than to provide the requested services to us.
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 or comply with legal process served on us or the Website, (b) protect and defend our rights or property, the Website, or our other users, and (c) act under emergency circumstances to protect the personal safety of us, our affiliates, agents, or the users of the Website or the public. 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.
E-mail communications sent from us are designed to make your Website experience more efficient. 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.
We are concerned about ensuring the security of your Personal Information. We exercise great care in providing secure transmission of your information from your computer or tablet to our servers. Personal Information collected by our products, services, or Website is stored in secure operating environments that are not available to the public. Our security procedures mean that we may occasionally request proof of identity before we disclose your Personal Information to you. Please understand, however, that while we try our best to safeguard your Personal Information once we receive it, no transmission of data over the Internet or any other public network can be guaranteed to be 100% secure.
Following termination or deactivation of your account, GradGuard, our affiliates, or its service providers may retain information (including your profile information) for a commercially reasonable time for backup, archival, analysis, marketing, optimization, and/or audit purposes. If you have any questions about termination or deactivation of your account, please contact us directly at firstname.lastname@example.org.
You may always opt-out of receiving future e-mail messages and communications from GradGuard by following the unsubscribe instructions included on a particular communication or by sending us a message at email@example.com or the mailing address included on the communication. Please note that you may not elect to stop receipt of communications pertaining to the processing or servicing of your application, product, or account and you may receive communications on the same unless you cancel that product in accordance with that particular product’s terms and conditions and you will have no further transactions with us. If you request that we correct information about you, we will notify you within thirty (30) business days of receiving your written request. We will then provide the amended information to any person you designate, who may have received the information within the past two years as well as any entity that supplied us with the information or to whom we disclosed it.
California Consumer Privacy Act (“CCPA”) provides that users of GradGuard’s Website who are California residents to request certain information regarding its disclosure of their personal information to third-parties for their direct marketing purposes. To make such a request, please send an e-mail to firstname.lastname@example.org. This Website will respect your browser’s Do Not Track signals (or other well-established, commercially available mechanisms that provide you with the ability to exercise choice regarding the collection of personal information). If we receive a Do Not Track notice, we will stop using any personal information for online behavioral advertising purposes if we are conducting such activity.
If you have any questions about our privacy policies, please contact us at email@example.com or by mail at 3219 E. Camelback Rd. Suite 455, Phoenix, AZ 85018
241 A Street, Suite 400
Boston, MA 02210
5080 N. 40th Street, Suite 105
Phoenix, AZ 85018