FastRate Privacy Policy
The following privacy statement discloses the privacy practices for FastRate.
Last Updated: April 9, 2008
FastRate
PO Box 44305
Denver, CO 80202
Email: customerservice@fastrate.org
At FastRate, helping you save money on all your insurance needs is important to us; however, the handling of your personal information is just as important. This Privacy Policy outlines what you can expect from us regarding the handling of your information and communications. If you have any questions, please contact our customer service group at the email address listed above.
Your Privacy is Important to Us
At FastRate, your privacy is our chief concern. We understand that you entrust us with your private information to help us match you with an insurance agent (we refer to all of these as "Agents") who can meet your needs. In exchange for your trust, you expect and deserve our commitment to treat your information with respect. Rest assured that we protect your privacy. Under no circumstances will FastRate sell or share any personal information with any person or organization except: as authorized by you, to participating agents or other parties involved in your transaction, or as may be required by law or court order. The Privacy Policy below describes the standards we adhere to in handling information about you and your insurance quote request.
What We Want You to Know
1. Who we are and what we do
2. Information collected
3. How your information is used
4. Altering or deleting the information you submit through the FastRate Web site
5. Notification of changes to this privacy policy
1. Who We Are and What We Do
FastRate is the leading online marketplace connecting consumers with insurance agents to compete for their business across a variety of insurance policy types. FastRate is not an insurance agency and does not provide quotes directly to consumers. Rather, FastRate is a free matching service that instantly connects you with our nationwide network of quality insurance agents.
After you submit your quote request via our web site, FastRate immediately matches you to local and national agents who can meet your insurance needs. We create this connection by emailing you the list of matching agents and their contact information as well as passing your information to the agents. Your matching agents will use the information you provided in your quote request to run your quote and contact you with details. FastRate does not charge a fee to use our service. FastRate is paid a fee by the insurance agents who purchase leads through our service.
2. Information Collected
Personal information
FastRate collects the following personal information in each of our quote requests. We pass this information on to your matching agents so they can generate accurate quotes for you.
Auto |
Home |
Health |
Group Health |
Life |
Renters |
Business |
First and Last Name |
First and Last Name |
First and Last Name |
First and Last Name |
First and Last Name |
First and Last Name |
First and Last Name |
Postal Address |
Postal Address |
Postal Address |
Postal Address |
Postal Address |
Postal Address |
Postal Address |
Email Address |
Email Address |
Email Address |
Email Address |
Email Address |
Email Address |
Email Address |
Phone Number |
Phone Number |
Phone Number |
Phone Number |
Phone Number |
Phone Number |
Phone Number |
Driver's License Number * |
Date of Birth |
Date of Birth |
Gender |
Date of Birth |
Date of Birth |
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Social Security Number* |
Gender |
Marital Status |
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Gender |
Gender |
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Date of Birth |
Social Security Number* |
Level of Education |
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Social Security Number* |
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Gender |
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Occupation |
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Marital Status |
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Type of Vehicle Driven |
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Driving Habits and Record |
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Occupation |
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Level of Education |
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* This information is not required, but is helpful in generating your quotes.
Technical information
We collect and track certain technical information to ensure that your consumer experience is a beneficial one. We may also use technical information to store your preferences and make future visits to our site quicker for you.
- Cookies – a cookie is a small file stored on a user’s computer that contains information about the user. We use either session ID cookies (which terminate once a browser is closed) or persistent cookies (which are small text files stored on a user’s hard drive for an extended period of time). Cookies allow us to see how and when you use our sites, but they cannot be used to track personal information such as email address or phone number. Cookies also allow us to store the personal preferences that you set during each visit to our sites which can speed up your future visits.
- Log files – FastRate uses log files to track how our sites are being accesses and used. Log files track anonymous user information such as IP addresses, browser types, Internet service providers, referring and exit pages, platform type, date and time stamps, and number of clicks to, from, and within our sites. Web logs are tracked only on FastRate’s servers and do not place anything on your computer.
- Information from Banner Ads – if you arrive at FastRate.com through a banner ad, FastRate can track where you arrived from, as well as clicks that might have impacted our servers. This information is anonymous and cannot be used to gather personal information about you.
Information from the “Contact Us” section of the web site
If you decide to communicate with us through the “Contact Us” section on our web site, we may ask you for personal information such as your name, email address, or phone number. This information is not sold to any third parties. Your information may, however, be shared with outside sources in order to resolve any problems you may have.
Information gathered from agents
Our agent web site contains preliminary information for insurance agents who might like to join our network. If you are an agent and submit information through the “Request More Information” page, your email address and phone number will be used for contact purposes but not shared with any outside parties.
3. How Your Information is Used
How we share information with agents
When you submit a quote request with FastRate, your information is used to match you with an average of three to four qualified, licensed agents who can best serve your insurance needs. In the event that we cannot match you with an agent, your information may be passed on to one of our partner companies in an effort to ensure you receive as many competitive quotes as possible.
How we internally use technical information to improve marketing
FastRate uses technical information such as cookies and web logs to study how our sites are being used. We can also use cookies to track your preferences so that when you return to our web site, you can navigate more easily without having to re-enter certain information. By analyzing the data that cookies and web logs provide, we can determine how to improve our web sites and banner ad campaigns to better serve our customers.
Other uses of your information by third parties
- Partner companies – in the event that no FastRate agents can serve your insurance needs, the information from your quote request may be passed to one of our partner companies. We feel it would be poor customer service to fail to provide a quote merely because no matching agents are available. In these circumstances, we pass your quote request only to partner companies that we have an existing contractual relationship. FastRate only enters into relationships with reputable companies and our contract requires they follow applicable laws and not misuse the data provided to them. Any contact from partner companies is not covered under this policy, nor are any further communications you may have with agents from those partner companies.
- Law Enforcement – FastRate will share your personal information in response to law enforcement officers, government personnel, court order or subpoena. This information will only be shared in order to comply with a legal obligation.
4. Altering or Deleting the Information You Submit Through the FastRate Web Site
Email preferences
FastRate email communications consist of emails sent on FastRate’s behalf by advertising partners. If you have received one of these communication and wish to be removed from future ones, take one of the following actions:
- Click FastRate’s unsubscribe link at the bottom of any email communication. (This is the fastest and most effective way to unsubscribe)..
- Visit [insert URL] and enter your email address.
- Submit a written request for removal to our mailing address:
FastRate, Inc.
Attn: Email Marketing Department
PO Box 44305
Denver, CO 80202
Denver, Colorado 80202
Agent communications
By submitting a quote request with FastRate, insurance agents will contact you using the phone number and email address provided. In order to stop these communications, you must contact the agents directly and request that they stop contacting you.
If you decide to purchase insurance from one of the insurance agents matched to you through FastRate, all further contact with that agent is not covered under this policy. You should thoroughly read the Privacy Policy of the agent you select in order to make sure that you are comfortable with their policy.
Quote requests
FastRate is not an insurance agency. We are a free matching service that instantly connects you with our nationwide network of quality insurance agents. After you submit your quote request via our web site, FastRate immediately matches you to local agents and sends your information to them. This process happens instantly; therefore, there is not an opportunity for you to edit your original information after it’s been submitted. We recommend that you communicate the needed changes directly to the agents with whom you were matched. This will ensure your updates are made and that the agent uses the most accurate information available to process your quote.
5. Notification of Changes to this Privacy Policy
We may, at our sole discretion, revise this policy at any time in a manner consistent with applicable laws and regulations. When we revise this policy, including changes to FastRate’s use of your personal information, we will incorporate the revisions into this policy and will revise the “last revised” date at the top of this web page. We recommend that you regularly visit this policy in order to remain informed about any changes that we may implement. |