Privacy Policy

Summary 

Brightway Insurance believes that when buying insurance, there’s only one way that gives you true peace of mind. Our core values of being smart, accountable, and trustworthy extend to all facets of how you choose to interact with us, online or offline. We have written this Privacy Policy to disclose what information we collect online and how this data may be used.  If you have questions about this Privacy Policy, please contact compliance@brightway.com.

This Privacy Policy describes the types of information we may collect from you or that you may provide when you visit any Brightway Insurance website using the domain brightway.com or brightwaydifference.com (our "Website") and our practices for collecting, using, maintaining, protecting, and disclosing that information.

Scope of Privacy Policy

This policy applies to information we collect on this Website, and in any email, text, and other electronic messages between you and this Website. It does not apply to information collected by us offline or through any other means, including on any other website operated by Brightway Insurance or any third party (including our affiliates and subsidiaries). The Brightway Insurance website may contain links to other websites. We are not responsible for the content, privacy policy or practices of these third-party websites. Be advised, the links on the Brightway Insurance website to other websites are provided solely as a convenience to users of this site, and you should use them at your own risk. 

Please read this Privacy Policy carefully to understand our policies and practices regarding your information and how we will treat it. If you do not agree with our policies and practices, your choice is not to use our Website. By accessing or using this Website, you agree to this Privacy Policy. This Privacy Policy may change from time to time. It is our policy to post any changes we make to our Privacy Policy on this page.  Your continued use of this Website after we make changes is deemed to be acceptance of those changes, so please check this page periodically for updates. The date the Privacy Policy was last revised is identified at the top of the page.

Our Website is not intended for children under 16 years of age. No one under age 16 should provide any information to the Website. We do not knowingly collect personal information from children under 16. If you are under 16, do not provide any information on this Website or provide any information about yourself to us, including your name, address, telephone number, or email address.

Information We Collect and How We Collect It

You may visit the Website on the Internet without providing us with any personal information. However, our Website does collect traffic information such as domains that come to our site, time spent on site, etc. This information is aggregated to provide us with statistics and demographics. Brightway Insurance only collects personal information if you choose to provide that information to us. 

For example, the Brightway Insurance Website includes a Start a Quote Form that you may use to provide your contact information (such as name, email address, phone number, address and state) to request more information about becoming a Brightway customer or getting a customized quote. You are under no obligation to provide information via the Start a Quote Form. Should you choose to use the form, we will use the information you supply to provide you with information about a quote or contact from Brightway. 

The information we collect on or through our Website may include:

You also may provide information either on the Website or on another related site (such as a Google listing for a Brightway Insurance agency) that will be posted on public areas of the Website, or transmitted to other users of the Website or third parties (collectively, "User Contributions"). Your User Contributions are posted on and transmitted to others at your own risk, and please be aware that no security measures are perfect or impenetrable. Additionally, we cannot control the actions of other users of the Website with whom you may choose to share your User Contributions. Therefore, we cannot and do not guarantee that your User Contributions will not be viewed by unauthorized persons.

As you navigate through and interact with our Website, we may use automatic data collection technologies to collect certain information about your equipment, browsing actions, and patterns, including:

The information we collect automatically is only statistical data and does not include personal information, but we may maintain it or associate it with personal information we collect in other ways or receive from third parties. It helps us to improve our Website and to deliver a better and more personalized service, including by enabling us to:

The technologies we use for this automatic data collection may include cookies. A cookie is a small file placed on the hard drive of your computer. You may refuse to accept browser cookies by activating the appropriate setting on your browser. However, if you select this setting you may be unable to access certain parts of our Website. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you direct your browser to our Website. We may also use third party services, such as Google Analytics, to automatically collect data regarding usage of our Website.

 

How We Use Your Information

We use information that we collect about you or that you provide to us, including any personal information:

We may also use your information to contact you about our own and third-parties' goods and services that may be of interest to you.  We will communicate with you via email, and if you do not want us to use your information in this way, please use the opt-out mechanism in the email communication.

We may disclose aggregated information about our users, and information that does not identify any individual, without restriction.

We may disclose personal information that we collect or you provide as described in this Privacy Policy:

 

We may also disclose your personal information:

We strive to provide you with choices regarding the personal information you provide to us. We have created mechanisms to provide you with the following control over your information:

 

Your California Privacy Rights

If you are a California resident, California law may provide you with additional rights regarding our use of your personal information. The California Consumer Privacy Act (CCPA) grants California consumers certain rights with respect to personal information that is held by a business. This Section of the Privacy Policy applies solely to all visitors, users, and others who reside in the State of California. Any terms defined in the CCPA have the same meaning when used in this Section of the Privacy Policy.

 

Personal Information Collection & Disclosure 

We collect information that identifies, relates to, describes, references, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer, household, or device ("personal information"). Personal information does not include publicly available information from government records, deidentified or aggregated consumer information, or other information excluded from the CCPA's scope.

The chart below describes the categories of personal information Brightway has or may collect from a consumer. 

Categories of personal information collected

 

Examples

 

Collected

 

Personal Identifiers

 

A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security number, driver’s license number, passport number, or other similar identifiers.

 

Yes

 

Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e))

 

A name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number, driver’s license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information.

Some personal information included in this category may overlap with other categories.

 

Yes

 

Characteristics of protected class

 

Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information).

 

Yes

 

Commercial information

 

Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.

 

Yes

 

Biometric information

 

Genetic, physiological, behavioral, and biological characteristics, or activity patterns used to extract a template or other identifier or identifying information, such as, fingerprints, faceprints, and voiceprints, iris or retina scans, keystroke, gait, or other physical patterns, and sleep, health, or exercise data.

 

No

 

Internet or other similar network activity

 

Browsing history, search history, information on a consumer’s interaction with a website, application, or advertisement.

 

Yes

Geolocation data

 

Physical location or movements.

 

No

 

Multimedia Sensory data

 

Audio, electronic, visual, thermal, olfactory, or similar information.

 

No

 

Employment information

 

Current or past job history or performance evaluations.

 

Yes

 

Non-public education information (per the Family Educational Rights and Privacy Act (20 U.S.C. Section 1232g, 34 C.F.R. Part 99))

 

Education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records.

 

Yes

Inferences drawn from other personal information.

 

Profile reflecting a person’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.

 

No

 

 

Sale of Information 

Brightway Insurance does not sell your information.  In the event we later decide to sell your personal information, we will implement a procedure for you to opt-out of the sale of your personal information.

 

Your Rights and Choices

The CCPA provides California residents with specific rights regarding their personal information. This section describes your CCPA rights and explains how to exercise those rights.

 

Access to Specific Information and Data Portability Rights

You have the right to request that we disclose certain information to you about our collection and use of your personal information over the past 12 months. Once we receive and confirm your verifiable consumer request, we will disclose to you:

 

Deletion Request Rights

You have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions. Once we receive and confirm your verifiable consumer request, we will delete (and direct our service providers to delete) your personal information from our records, unless an exception applies. We may deny your deletion request if retaining the information is necessary for us or our service providers to:

 

Exercising Your Rights

If you are a California consumer and would like to submit a verifiable consumer request in respect to the rights outlined above, please contact us at TBD CCPA phone number/TBD CCPA email address.  

Only you, or someone legally authorized to act on your behalf, may make a verifiable consumer request related to your personal information. You may also make a verifiable consumer request on behalf of your minor child.

You may only make a verifiable consumer request for access or data portability twice within a 12-month period. The verifiable consumer request must:

We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you. Making a verifiable consumer request does not require you to create an account with us. We will only use personal information provided in a verifiable consumer request to verify the requestor's identity or authority to make the request.

We endeavor to respond to a verifiable consumer request within 45 days of its receipt. If we require more time (up to 90 days), we will inform you of the reason and extension period in writing. We will deliver our written response by mail or electronically, at your option.

Any disclosures we provide will only cover the 12-month period preceding the verifiable consumer request's receipt. The response we provide will also explain the reasons we cannot comply with a request, if applicable.

We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.

 

Non-Discrimination 

Brightway will not discriminate against a consumer because the choice was made to exercise a right granted within the provisions of the California Consumer Privacy Act (CCPA). This includes: 

 

Data Security

We have implemented measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration, and disclosure.  

To ensure that your data remains secure, we enforce several security protocols, including: 

 Unfortunately, the transmission of information via the Internet is not completely secure. Although we do our best to protect your personal information, we cannot guarantee the security of your personal information transmitted to our Website. Any transmission of personal information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on the Website.

 

Servers in the U.S.A.

Our servers are maintained in the United States of America ("USA"). By using the Website, you freely and specifically give us your consent to export your personal information to the USA and to store and use it in the USA as specified in this Privacy Policy. You understand that data stored in the USA may be subject to lawful requests by the courts or law enforcement authorities in the USA.

 

Privacy Policy Changes

We have the sole discretion to change, modify, add, or remove portions of this Privacy Policy from time to time. New versions of this Privacy Policy will be posted here. Our collection, use and disclosure of your information will be governed by the version of this Privacy Policy in effect at the time of such collection, use or disclosure. Your continued use of the Website following the posting of any changes to this Privacy Policy means that you accept such changes.

 

Contact Us 

If you are a California consumer and would like to submit a request in respect to the rights outlined in the California Consumer Privacy Act (CCPA) contact us at (844) 533-1149 or CCPARequest@brightway.com.