We use data to provide you insurance quotes, prevent fraud, collect payments, and personalize our products and services to you. But, we will never sell your private information to anyone. Read on to learn more about how we use your data.
Ocho collects the personal information you provide us along with data from other sources when you apply for products, respond to surveys, contact our call center, email us, request information about products or services, or otherwise voluntarily provide us.
We also collect, through automated means, certain types of information from the computers and mobile devices that visit our Website.
We also receive personal information about you from third parties, such as consumer reporting agencies, when we provide our Services or when other parties send us your personal information to enable the provision of the Services. We also collect personal information from publicly available sources, including from public registers to improve your experience and quality of service.
Personal information is any information that we can use to identify, locate, or contact you. It also includes information that may be associated with your personal information, such as your financial history. It is always your choice whether or not to provide personal information. If you choose not to provide requested personal information, you may not be able to use certain features of our Services.
Ocho may collect the following types of personal information about you:
In addition to information you choose to share with us when using the Website, Ocho and our third-party service providers may use a variety of technologies that automatically (or passively) store or collect certain information whenever you visit the Website; this is called “usage information.” Usage information may be stored or accessed using technology that may be downloaded to your computer, browser, laptop, tablet, mobile phone, or other device whenever you visit or interact with our Website. We treat this information as personal information when it is associated with other data that allows us to identify, locate, or contact you. Usage information may include:
We may use your personal information to:
When you want to resume your quoting process at a later point and maintain a session across devices, we may use the personal information that you provide to create “cross device” capabilities to enable you to retrieve your quotes and to access your profiles between devices.
Please note that Ocho may also use and disclose information about you that is not personally identifiable data. For example, we may publish reports and provide products that contain non-personally identifiable statistical data, such as reports showing general application trends. These reports do not contain any personal information.
Ocho may use various methods and technologies to store or collect usage information such as cookies and web beacons; these are collectively known as “tracking technologies.” There may be other tracking technologies now or devised in the future that we use when you engage with our websites, call center, or advertising. We may use tracking technologies for a variety of purposes, including:
Ocho offers different choices about how you want to receive communications with us and how we use your information.
Please note that even if you opt out of marketing, we may still need to contact you with transactional information about your account. For example, even if you opt out of emails, we may still send you payment reminders and confirmations.
To the extent provided by the law of your jurisdiction, you may have the right to:
To exercise these rights, please contact us at email@example.com or 1-800-220-1416. If you are a California resident, please consult the section below for more information specific to your rights. To help protect your privacy and maintain security, we may take steps to verify your identity before granting you access to the information. To the extent permitted by applicable law, a charge may apply before we provide you with a copy of any of your Personal Information that we maintain.
Special Notice For California Residents
If you are a California resident, then you have certain rights under the California Consumer Privacy Act ("CCPA”) regarding your personal Information. However, the CCPA exempts certain nonpublic personal information which is covered by the Gramm-Leach-Bliley Act (“GLBA”), a federal privacy law that applies to financial institutions such as Ocho. This means that your nonpublic personal information that you provide to Ocho to use our Services, or that results from any access to or use of our Services, or that we otherwise obtain about you in connection with us providing our Services to you (“GLBA Personal Information”), is exempt from the various requirements set out in the CCPA.
Keeping your account information current is very important to us. If you have questions or issues, please let us know. Ocho will promptly investigate your concerns and update our records as needed.
Please keep your information as current as possible so that you get the best experience from us. In particular, make sure you inform us of mobile number changes, since this is the quickest way for us to communicate with you.
In order to offer you the Services requested, Ocho may share your personal information with third parties or service providers in the ways below.
To provide you the products and services you request
Ocho will share your information with insurance companies, reinsurance companies and their respective administrators, vendors, agents and third party service providers, including but not limited to insurance support organizations, that are engaged in services related to underwriting and issuing insurance policies as needed to provide you the insurance products and services you request. We will also share your information with third-party vendors, agents and other service providers that perform services on our behalf, as permitted by law and as needed to carry out their work for us, such as, billing, payments, servicing, web hosting or providing analytic services. We may share information such as your phone number or e-mail address with service providers who send texts or e-mails on our behalf. We may also share information with service providers that operate or analyze our online Services. We may share information with service providers that offer information about you or other household members, which we use in providing our Services. We may also share information with service providers that perform marketing or advertising services on our behalf.
For legal reasons
Ocho may also release your information (a) when we believe release is appropriate to comply with, or to allow our investors or potential investors to comply with any law, regulation, legal process, or government request; (b) for the purposes of limiting fraud; or (c) to enforce our site policies, protect our or others’ rights, property, or safety.
In connection with our sale or other significant transaction
We may transfer your information to third parties as a result of, or in connection with, a change in ownership or management of Ocho. We will notify you in the event of such an occurrence, along with any choices you may have regarding your personal information, by placing a notice on our Website.
Ocho uses industry accepted standards for physical, electronic, and procedural safeguards that are designed to protect and limit access to your personal information. These measures include computer safeguards and secured files and buildings. We authorize our employees to access your information only when they need it to perform their job responsibilities, and we require companies that partner with us to protect your information.
Information that Ocho collects from you may be stored in the United States or other countries and is protected in accordance with our information security standards. In some cases, we may use this information to help protect the security of your personal and account information.
Please note that information you send to us electronically may not be secure when it is transmitted to us. We recommend that you do not use unsecure channels to communicate sensitive or confidential information to us (such as your Social Security number).
Ocho may use third-party services such as Google Analytics to help us understand how users use the Services and improve the ways in which we interact with users, including the refinement of interest-based ads displayed to users. Such services, including Google Analytics, may collect information about your use of the Services through cookies, advertising identifiers and other technologies. The collection and use of data by such third parties, including Google Analytics, is subject to their privacy policies.
Ocho does not knowingly collect, maintain, or use personal information from our site about children under the age of 13. We request that persons under the age of 18 not use our site without supervision from a responsible adult. If a child whom we know to be under the age of 13 sends personal information to us online, we will only use that information to respond directly to that child, notify parents, or seek parental consent.