NTB Services LLC owns and operates the www.CoverFlorida.com web site. We are not affiliated with the State of Florida or any government agency.

 The purposes of this Privacy Policy are to describe the information collection, use, and dissemination of NTB Services LLC and all related websites owned or registered to it, and applies to its collection, use, storage, and disclosure of such information on its (a) web sites, including all divisions, subsidiaries, and related companies, (b) on various third party Affiliate web sites, and (c) to NTB Services LLC's other information collection, including the acquisition of customer information from third parties. NTB Services LLC expressly disclaims all responsibility and liability for the information collection or privacy practices of third parties, Affiliates, Agents, or other third party services and web sites or applications.Please read the following legal notices carefully. Your use of this web site and associated services constitutes your agreement with the terms and conditions set forth below. These terms and conditions may be changed or updated at any time. You are responsible for reviewing them periodically for current information. Additional legal notices regarding specific products, services, as well as conditions, restrictions or disclosures may be described on "sub sites" within the CoverFlorida.com main web site.

At NTB Services LLC, (hereafter, "CoverFlorida.com") your privacy is important. 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") or affiliate insurance service web sites (we refer to all of these as "Affiliates") who can meet your insurance needs. Please know that we protect your privacy. Under no circumstances will CoverFlorida.com sell or share any personal information about you to or with any person or organization except as provided in this Privacy Policy or as may be required by law or court order. This Privacy Policy describes the standards we adhere to in handling information about you and your insurance quote request.

CoverFlorida.com is a leader in the marketplace for connecting consumers with insurance needs like yours to the Agents and Affiliates who can best serve you. CoverFlorida.com is not an insurance agency and does not provide quotes directly to consumers. Rather, CoverFlorida.com is a free matching service that instantly connects you with our network of quality Insurance Agents and Affiliates.

After you submit your quote request via this web site, CoverFlorida.com immediately matches you to local and national Agents and Affiliates who can meet your insurance needs. The matching Agents will use the information you provided in your quote request to generate and evaluate your insurance quote and contact you with the details. In some cases, CoverFlorida.com does not have a matching agent based on your location and insurance needs. In this event, your information may be passed to one of our Affiliates to ensure that you receive as many competitive quotes as possible.

CoverFlorida.com does not charge a fee to use our service.CoverFlorida.com is paid a fee by the Agents and Affiliates who purchase insurance quote leads, such as yours, through our service.

A. Personal Information

The personal information that CoverFlorida.com, its Agents, and its Affiliates may collect includes, but is not necessarily limited to, the items listed below.

·                     Full Legal Name

·                     Postal address(s)

·                     Email address(s)

·                     Telephone Number(s)

·                     Fax Number(s)

·                     Date of Birth

·                     Social Security Number / FEIN

·                     Gender

·                     Marital status

·                     Occupation

·                     Driving records

·                     Vehicles owned

·                     Credit reports

·                     Credit Card, Checking Account, or other Financial Institution account information

·                     Level of education

·                     Health history

·                     Insurance claim history

Based upon the information that you enter, we send it to matching Agents and Affiliates so they can generate accurate quotes for you.

IMPORTANT: NOTICE OF CONSUMER REPORT PRACTICES:

All proposed named insureds listed on quote applications must be made aware of the following:

In some cases, Agents, insurance companies and Affiliates may need to obtain additional background information about you. For example, consumer reports (including credit reports) may be ordered in connection with your insurance application. These reports provide information that may assist in determining your eligibility for insurance and the price you may be charged. Consumer reports may also be used for updates, renewals or extensions of this insurance. Insurance companies may also obtain and use a credit-based insurance score based on information contained in your credit report. Agents, insurance companies, and Affiliates may use a third party in connection with the development of your insurance score and rate quote. By providing the information described above in this paragraph through the CoverFlorida.com web site(s), you are giving your express consent to Agents, insurance companies, and Affiliates to obtain and use said information for the purposes set forth herein.

B. No Information Collected From Children

CoverFlorida.com will never knowingly collect any personal information about children under the age of 18. If CoverFlorida.com obtains actual knowledge that it has collected such information, that information will be immediately destroyed and/or deleted from our databases. Because we do not collect such information, we have no such information to use or to disclose to third parties. CoverFlorida.com has designed this express policy to comply with any applicable provisions of the Children's Online Privacy Protection Act ("COPPA") promulgated by the Federal Trade Commission ("FTC").

C. Opt-Out Policy

As stated above, please understand that by providing personal information to CoverFlorida.com, you are giving your express consent for CoverFlorida.com, its Agents, and its Affiliates to contact you through electronic means, mail, wireless communications, SMS, facsimile or via telephone (even if your telephone number is registered on the so-called "Do Not Call" registry). Such consent remains fully intact until an affiliate receives written request by you to rescind such consent (e.g., an "opt out" notification). If you did not give such express consent, or if you would like to remove such express consent, you should send such notification direct to the affiliate. To ensure timely removal of consent, please provide all information that was originally provided to our affiliates by you and please allow them approximately ten (10) business days to process such request.

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D. Email Solicitations

Our Affiliates only sends email solicitation to users who have agreed, through this Privacy Policy, on third party web sites, or by other means, to receive emails.

 

E. Wireless Communications

If the email address(s) you provide to a CoverFlorida.com affiliate  are wireless address(s), you agree to receive messages at such address(s) from CoverFlorida.com or Agents and Affiliates. You understand that your wireless carrier's standard rates apply to these messages. You represent and warrant that you are the owner or authorized user of the wireless device(s) on which messages will be received, and that you are authorized to approve the applicable charges associated therewith.

A. How We Share Your Information with Agents and Affiliates

When you submit a quote request to CoverFlorida.com, your information is used to match you with an average of five qualified, licensed agents who can best serve your insurance needs. In order to provide you with as many insurance options as possible, your information may also be transmitted to one of our Affiliates in an effort to ensure you receive as many competitive quotes as possible.  You should verify the affiliate has proper Florida licenses to place this business prior to purchase. A link is provided on the home page of our site to verify if an agent or company is licensed to do business in Florida/

D. Other Uses of Your Information By Third Parties

·                     Affiliates - The information from your quote request id transmitted to one of our Affiliates that is approved by InsuranceAgents.com. 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 Affiliates that we have an existing contractual relationship.  InsuranceAgents.com only enters into Affiliate relationships with reputable companies and our contract requires they follow applicable laws and not misuse the data provided to them.

·                     Companies that perform information processing on our behalf - InsuranceAgents.com may contract with companies who manage our email and data systems and conduct surveys on our behalf. Your personal information is shared with these companies on a limited basis-only to the extent necessary to perform such information processing on our behalf.

·                     Law Enforcement - InsuranceAgents.com 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, and only to the extent required by such law or court order or subpoena.

A. Affiliate and Third Party Communications

By submitting a quote request through CoverFlorida.com or otherwise providing contact information, Affiliates and third parties may contact you using the contact information that you provided. In order stop these communications, you must contact the Affiliate(s) and/or other third parties directly and request that they stop contacting you. Such communications sent directly from Affiliates and other third parties are expressly excluded from this Privacy Policy. CoverFlorida.com expressly disclaims all responsibility and liability for the information collection or privacy practices of such Affiliates and third parties.

CoverFlorida.com is not an insurance agency. We are a free matching service that instantly connects you with our network of quality insurance Agents and Affiliates. After you submit your quote request via our web site, CoverFlorida.com immediately matches you to Agents and Affiliates 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 and Affiliates with whom you were matched.

CoverFlorida.com may, at its sole discretion, revise this Privacy Policy at any time in a manner consistent with applicable laws and regulations. When we revise this policy, including changes to CoverFlorida.com'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.

By completing forms provided by CoverFlorida.com and providing personal information through CoverFlorida.com web sites, you hereby represent and warrant that:

·                     You have read, understand and agree to CoverFlorida.com's Privacy Policy.

·                     CoverFlorida.com will provide the information you submit to third parties for the purposes of providing you information and quotes about insurance, that such third parties may contact you via the contact information that you provide, and that such third parties may use your information to gather additional information about you, as described in this Privacy Policy.

·                     CoverFlorida.com may contact you using the information you provide.

·                     You are an actual person of at least 18 years of age, you have the right to provide the information you submit, and the information you submit is accurate, complete and truthful.

·                     If you do not agree to the terms of this Privacy Policy, then do not enter your information and do not continue with this process and do not provide your information to CoverFlorida.com In such case, CoverFlorida.com will not be able to provide quotes or information for insurance provided to you, and is relieved of any of its obligations to you as set forth in this Privacy Policy.

If you have any questions regarding this Privacy Policy, please contact us at CoverFlorida@yahoo.com.