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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 Holdings Co. and its affiliates, (“Ocho”, "OCHO", "ocho.co", "our," "us," or "we"), are committed to protecting the privacy and security of your personal information. This privacy policy (“Privacy Policy”) explains the privacy practices of Ocho for those who interact with us through our Services. This does not extend to other websites owned and controlled by our partners or third parties to whom we have provided links, nor to any social media platforms that are governed by their own terms of use and privacy policies.
To the extent that there is a conflict between this Privacy Policy and any privacy notice regarding a transaction between you and us or your personally identifiable information, the consumer privacy notice takes precedence.
Your use of Ocho’s Services is at all times subject to the Terms of Use at ocho.co/terms, which incorporates this Privacy Policy. Any terms we use in this policy without defining them have the definitions given to them in the Terms of Use at ocho.co/terms.
By using our Services, you agree to this Privacy Policy and the collection and use of information contemplated hereby. This is our entire and exclusive Privacy Policy and it supersedes any earlier version.
Ocho may change this Privacy Policy by posting a new version of this Privacy Policy on our Website or through our Services, and it is your responsibility to review this policy periodically. When we do change the policy, we will also revise the "Revised" date and may notify you or post a message on the Website and/or through our Services. Your continued use of the Website or Services constitutes your agreement to this Privacy Policy and any updates.
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:
Through cookies we place on your browser or device, Ocho may collect information about your online activity after you leave our Website. Just like any other usage information we collect, this information allows us to improve our Services and customize your online experience, and otherwise as described in this Privacy Policy. Your browser may offer you a “Do Not Track” option, which allows you to signal to operators of websites and web applications and services (including behavioral advertising services) that you do not wish such operators to track your online activities over time and/or across different websites. Our Services do not support Do Not Track requests at this time, which means that we collect information about your online activity both while you are using our Website and after you leave our Website.
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 support@ocho.co 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.
Please be assured that Ocho takes very seriously the privacy of all of your personal information, including GLBA Personal Information. Your GLBA Personal Information is protected under the GLBA, which places certain obligations on Ocho, and provides you with certain rights, all of which are included in this Privacy Policy.
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).
This privacy policy is for our customers and visitors, and only applies to our sites and properties. This privacy policy does not apply to any site linked to ours or provided by a third party.
Additionally, certain personal information may be made available to third parties using our Application Programming Interface ("API"). Use of third party applications developed using our API are subject to the terms of use and privacy policies of such third party developers. You should be aware that such third party applications may expose user information.
Ocho uses Plaid Inc. (“Plaid”) to gather your data from financial institutions. By using the Service, you grant Ocho and Plaid the right, power, and authority to act on your behalf to access and transmit your personal and financial information from your relevant financial institution. You agree to your personal and financial information being transferred, stored, and processed by Plaid in accordance with the Plaid end user privacy policy.
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.
This privacy policy is not a contract and is not intended to be a contract between Ocho and its customers, visitors, or employees with respect to any practices concerning information obtained through use of this site.
This privacy policy is provided to you for informational purposes only. You do not need to call or take action in response to this notice. We recommend that you read and retain this notice for your personal files. We may change these terms at any time and update them on this Website and/or by other means as required.
If you have any questions about this Privacy Policy, or if you would like us to update information we have about you, change your preferences or exercise other applicable data protection rights, please contact us by email at support@ocho.co or by phone toll-free at 1-800-220-1416.
