PRIVACY POLICY
Introduction
GravySpoon values data privacy greatly. This Privacy Policy ("Privacy Policy") explains how we gather, distribute, and otherwise use user information when you use our website and mobile application (collectively, "Services"), call us, or engage in other interactions with us. Additionally, this privacy statement informs you of your privacy rights and offers options for how we may use your personal information.
Any person who submits any data, whether personal or otherwise, on this website is referred to as "you" in the following sentences.
The GravySpoon Insurance US Company, GravySpoon First Insurance Agency, Inc., GravySpoon Claims Management, Inc., and AP Intego Insurance Group, LLC are all subsidiaries of GravySpoon Insurance, Inc., a Delaware corporation that operates as GravySpoon Online Insurance Services in California, Michigan, Minnesota, North Carolina, and Texas and as GravySpoon Insurance Services in New York, North Dakota, and Virginia. (refer to as "GravySpoon," "we," or "us" collectively).
The Terms of Service, which are available at https://gravyspoon.com/terms-of-service, are neither replaced or superseded by this Privacy Policy.
Please carefully read our privacy statement. Do not use the website or give us any personal information if any clause in this privacy statement offends you.
What is Personal Information?
Personal information, such as name, address, phone number, Social Security number, and driver's license number, is information that generally identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular person.
Collection of Your Information
a) Information you provide directly to us.
In order to underwrite, sell, solicit, and negotiate insurance products and services, GravySpoon may gather information about you. The following data may be included, albeit not all of it may be considered personal information under American privacy laws:
Your first and last name, home and workplace addresses, work and personal email addresses, date of birth, gender, and any online profiles you may have, such as Facebook, LinkedIn, or Google+ accounts. Your social security number, license number, marital status, financial information, educational background, and employment history are also included.
Any data you provide to us when or if you contact our customer care department via the GravySpoon contact form, email, chat, phone, or other channel.
When you access our website through one of these accounts (for example, by clicking on an advertisement through your social network account), information related to those accounts, such as your public profile and email address connected to those accounts, may also be collected. The privacy policies of those other businesses apply to your use of social media sites and other online accounts. These businesses will be able to provide you with more information about how they use and handle your data.
Anything you include when posting a review of a product you've bought. Please be aware that posting an online review of a product makes it available to the public and generally accessible to others, where it may be collected and used by others. Any collection or dissemination of Personal Information by third parties as a result of it being published in a public forum is beyond GravySpoon's control and is not its responsibility.
Your online activities on our website, such as page views, order details, or information you give while filling out surveys or seeking insurance quotations.
Information collected using automated technologies, including web server logs that compile IP addresses, web beacons, and cookies.
Owners of businesses should be aware of their criminal histories, any prior bankruptcies or tax or credit liens, any litigation involving poor workmanship, construction flaws, water intrusion, mildew, or fungi, and any relevant information regarding insurance or employee benefit plans.
any further details you freely give us.
You must only provide us with information and personal data that is truthful and not deceptive, and you must keep it current and notify us of any pertinent changes using the contact information provided below.
We may obtain the same or comparable information from our affiliates and other third parties, such as employers, insurers, brokers or agents, credit agencies, departments of motor vehicles and driver licensing, financial institutions, healthcare providers, and other sources, for any Personal Information you provide in order to obtain any of our Services.
b) Personal Information we collect automatically
We may automatically gather some information about you when you visit our website, which may also be referred to as Personal Information. When you visit our website or use our mobile app, we may automatically gather certain information, such as your IP address, the date and time you accessed our services, the hardware, software, or internet browser you are using, as well as details about your mobile device or computer's operating system. Additionally, we may track your clicks, the pages you visited while browsing, and any information you have given us in connection with requesting or setting up insurance quotations. This information can be regarded as personal information, depending on the relevant privacy laws.
c) Personal Information you provide about other individuals
We will assume you have the necessary permission to do so if you give us Personal Information concerning a third party, such as your dependents or employees. You must only offer accurate information; you must not supply information that is neither required nor requested.
d) Public forums and Service Providers
GravySpoon may investigate your background, get a credit report and/or score, and/or search via numerous open Internet sources to find information about you or your business before giving you an insurance estimate.
How We Use Your Personal Information
For a number of reasons that are listed below (collectively, "Purposes"), GravySpoon gathers information about you, including Personal Information. This might incorporate:
Underwrite, market, procure, and bargain insurance goods and services.
Process your order.
We may get in touch with you about your account, your orders, impending and/or missed payments, renewals, endorsements, or any other significant cause relating to your business dealings with GravySpoon.
Give you the desired quote or suggest products and services from a different vendor. You consent to receiving calls, emails, texts, mailers, or other similar communications in connection with these products and services when you provide your contact information to us as part of an attempted or successful request for an estimate or offer for goods and services.
Contact you with relation to our Services and products or services offered through our Services if you expressly provide us with your contact information in connection with our Services or the products or services offered through our Services.
Your request for information or services will be fulfilled.
Establish eligibility and handle product and service application processing.
Inform you of any products or services we might provide.
Communicate, provide service, and send invoices to customers.
Research and development of new goods and services are informed.
In order to: (i) respond to your inquiries or deliver information; (ii) deliver the goods, services, or subscriptions you choose, along with any benefits; (iii) carry out our obligations and uphold our rights under any contracts we may have with you, including for billing and collection; (iv) present our Website and its contents to you; and (v) assist in dynamically creating content for web pages or other digital media.
Consult with the proper third parties, such as credit reporting organizations, to get and update insurance or credit information.
Maintaining accounts and the associated services.
Conduct training for staff members and others.
Perform market research, analytics, marketing, and advertising for you or to support marketing and advertising.
Comply with contractual requirements.
Comply or conform to a legal or regulatory requirement.
With Whom Do We Share Your Personal Information
Your information, including Personal Information, may be disclosed by GravySpoon as follows:
To insurers, reinsurers, intermediaries, brokers, underwriters, insurance reference bureaus, healthcare organizations, fraud-detection organizations, our advisors, loss adjusters, attorneys, accountants, and other parties involved in the claims handling procedure ("Disclosure"). In addition, personnel evaluating our compliance with industry norms, applicable rating agencies of the financial institution, our lawyers, accountants, and auditors.
To third parties who help us run our website, run our business, or provide services to you, including marketing and advertising, with your express cooperation.
To the extent allowed by law, to third-party insurance rate advisory companies and other businesses that create commercial databases of insurance and financial data that may include premium and loss data, vehicle history, names, addresses, ownership structures, liens, judgments, and payment histories.
To uphold the law, our website policies, or the rights, property, or safety of us or others.
If we are obligated to do so or if we have a good faith belief that doing so is necessary in order to adhere to the rules of the law or to fulfill a court order or other request that has been made of GravySpoon.
When it is necessary or appropriate to do so in order to avoid suffering injury or suffering monetary loss while looking into possible or actual illegal activities.
In order to look into a complaint or security danger, or as necessary for business audits.
In the event that we reorganize, merge, sell, joint venture, assign, transfer, or otherwise dispose of all or any portion of our business, assets, or stock (including in connection with any bankruptcy or similar proceedings), we may transmit your information to a third party.
To protect the rights, property, or personal safety of GravySpoon, our customers, or others; to enforce or apply our Website policies and/or other agreements; or for any other reason. This could involve disclosing data, including your personal information, to other businesses and organizations in order to combat fraud and lower credit risk.
in accordance with current legislation and regulations, for any other reason to which you have given your approval.
To our service providers, who are contractually prohibited from using or disclosing your information unless absolutely necessary to carry out tasks on our behalf or in accordance with the law.
To our service providers, who are contractually prohibited from using or sharing your information other than as required to carry out tasks on our behalf or in order to comply with legal obligations.
No mobile data will be given to any parties for marketing or promotional activities. The text messaging originator opt-in data and consent are not included in any of the aforementioned categories, and they won't be disclosed to anyone else. The Opt in cannot be transferred to a different participant in the process.
For How Long Will We Store Your Personal Information
Generally speaking, we want to store Personal Information just as long as it's required—including to meet any applicable legal or regulatory obligations—and only for the purpose(s) for which it was originally received. We have a data retention policy with clear guidelines on retention and deletion to help us manage how long we store Personal Information and our record management.
When determining how long a specific record, including any personal information contained in that record, will be kept, we take into account the following factors:
How long the record must exist for you to receive the goods and services you demand
How long the record must exist in order for it to assist and improve our operational procedures
How long the record is needed to protect our rights and legal interests
How long the record must be kept in order to abide by the rules and regulations in effect
Depending on the circumstances mentioned above, the same personal information about you may be used for many purposes and contained in multiple records, each of which may have a different retention duration.
Data Security
GravySpoon, take precautions to prevent unwanted access to your information. Despite our best efforts, we cannot completely ensure the security of any information you provide over the website against loss, theft, and unauthorized use, disclosure, or modification. No transfer via the internet, via email, or via a mobile app is ever 100 percent secure or error-free. Messages sent via the website, including emails, might not be secure. When sending us information via email or the website, you should exercise caution and be especially selective about the details you give us.
Third-Party Links
Links to other websites that offer goods or services from third parties may be included on our website. Please be aware that certain websites and services are not covered by this privacy statement. We advise you to read the privacy policies and terms and conditions of any third-party websites that are linked to or mentioned before visiting them. These third-party websites might log your IP address, use their own cookies and tracking tools, gather data, or ask you for personal information. However, we work to maintain the accuracy of our Website and appreciate any input you may have regarding these sites.
Your Choices
You have the option to opt into (and later out of) receiving promotional voicemails, push notifications, text messages, and voicemail messages from us, our business partners, and third-party survey vendors. You may also choose to opt out of receiving promotional emails or other marketing emails from these parties. Text STOP to STOP to stop receiving text messages, or write to us at the postal or email addresses provided in Section 18 of this privacy statement. Please email us at the email address provided in Section 18 below if you'd want to stop receiving promotional voicemails. By altering your options in your device's or an application's settings, you can stop receiving push notifications if you chose to do so using your mobile device. If you no longer want the mobile application to collect information or stay on your device, you can uninstall it through the uninstall process on your mobile device. Use the "unsubscribe" link at the bottom of the email to request to be removed from receiving promotional emails.
Additionally, you have options when it comes to cookies and related technologies, as explained below.
Cookies
GravySpoon uses cookies to gather data about how you use our website. A cookie is a small text file that is created by a website and saved temporarily or permanently on a user's computer, mobile device, or web browser. When a user visits a website again, cookies enable the website to recognize that user's device. In addition to giving the customer a more consistent and satisfying experience, this enables website owners to compile usage data. At www.aboutcookies.org, you may learn more in-depth details about cookies and how they operate.
You can set your internet browser's choices to restrict the acceptance and storing of cookies, but doing so may make it more difficult for you to navigate our website and other websites.
To track your interactions with GravySpoon websites, GravySpoon may also use web beacons and other tracking technologies. A web beacon is a one-pixel electronic picture that is often translucent and is added to web content or email messages. It transmits data about the pages and content that visitors to the GravySpoon Website have visited.
GravySpoon’s Cookie Use
When a user visits the GravySpoon website again, cookies let GravySpoon recognize that user's device and execute its services more effectively by giving each user a more stable experience.
Additionally, cookies may give GravySpoon information about its users and permit GravySpoon to tally usage statistics.
Various cookies are used by GravySpoon. Some of the cookies that GravySpoon utilizes are essential for users to access secure areas with content intended only for logged-in users. Additionally, GravySpoon makes use of functional cookies to compile data on user preferences, including language, region, and other settings.
To ascertain the success of our content, the interests of our users, and the performance of our Services, GravySpoon makes use of analytical services. In order to learn more about website users and keep track of visitor counts, we also utilize web beacons, tracking pixels, and related technologies.
GravySpoon uses performance cookies to keep tabs on how many unique visitors and how frequently they visit our website. Despite the fact that data collected by web beacons, tracking pixels, and performance cookies is often not used to personally identify any user, such data may be coupled with other data to evaluate personal website user data.
Such cookies may be used by third-party websites on which GravySpoon may place advertisements to monitor the effectiveness of certain marketing efforts. To determine which users arrived at our website after viewing an advertisement on such a third-party website, we may utilize web beacons. In order to track activity, web beacons may also cooperate with cookies on your device. Web beacons cannot be disabled or deleted since they are not installed on your device.
You can, however, delete and prevent the cookies that web beacons employ to track your user behavior.
Your control over cookies
Your cookies can be managed and controlled in a number of ways. By changing the "do not track" choices in your internet browser settings, you may decide whether to accept or reject cookies. All cookies can either be accepted, rejected, or you can receive notification when a cookie is sent. The majority of browsers also enable you erase cookies one at a time, though doing so can make you lose preferences you've made for different websites. Please be aware that disabling cookies may affect your user experience and prevent you from accessing some areas of GravySpoon's Website. Web beacons from GravySpoon will continue to work even without cookies, but they will merely note that a user visited the website anonymously. Visit www.aboutcookies.org for further details on how to change your browser's settings to block or filter cookies.
If you want to change your privacy settings, visit the Google website at https://myaccount.google.com/yourdata/search and follow the steps there. This will prevent analytics cookies from tracking your anonymous browsing activity on websites.
Similar to conventional cookies, a local shared object (also known as a flash cookie) can hold extra data. The browser settings mentioned above cannot be used to filter these cookies. Flash cookies are used in some areas of GravySpoon's website to save user preferences for media player functionality. Without these cookies, certain video content might not play properly. By going to https://experienceleague.adobe.com/docs/core-services/interface/administration/ec-cookies/cookies-first-party.html, you can manually manage these cookies.lang=en.
International Users
The headquarters of this website and GravySpoon are in the US. Only Americans can purchase insurance from GravySpoon.
State-Specific Rights
The categories of data listed below make up the Personal Information about you that we gather. Additionally, these categories reflect the types of Personal Information that we have amassed over the previous 12 months. As stated in the California Privacy Rights Act ("CPRA"), the categories listed below refer to the category of Personal Information. A category that is included here simply means that, depending on the services and goods we offer you, we might gather some information under that heading.
The personal information we collect about you falls under the types of information outlined below. Additionally, the Personal Information types that we have gathered during the preceding 12 months are represented by these categories. The categories listed below are defined in the California Privacy Rights Act ("CPRA") as Personal Information. Any category included here merely means that, depending on the products and services we provide to you, we may collect data under that subject.
Additionally, Californians are given special rights on how their Personal Information is collected and used. Depending on your residency and subject to certain restrictions, you can be eligible for the following rights:
Right to access/know. You have the right to know and ask for details regarding the types and particular pieces of Personal Information we have collected about you over the past 12 months, as well as the types of sources from which we obtained such information, its intended use, and the types of third parties with whom we have shared it. Additionally, you are entitled to know whether we have shared or sold your personal information.
Right to correct. You have the right to request that we update your preferences or correct any errors in your personal information. However, we reserve the right to refuse your request if we believe it would violate any laws or legal requirements or result in inaccurate information. In general, this does not apply to data that is only kept for data backup purposes.
Right to delete. Subject to certain conditions, you have the right to request that your personal information be deleted.
Right to non-discrimination. You have the right not to face discrimination if you exercise any of the rights mentioned above. However, depending on the value of your personal information, we might offer a lower level of service or charge a lower fee.
Right to limit use and disclosure of Sensitive Personal Information. You have the right to restrict how GravySpoon uses and discloses any sensitive personal information it collects or keeps to only those uses required to deliver our services. However, we never use sensitive personal information for reasons unrelated to those required to deliver our services.
Opt-out of the sale or sharing of personal information. As those terms are defined by applicable state privacy legislation, including in California, we do not sell your personal information to or share it with third parties for cross-contextual advertising, nor do we intend to do so. Additionally, we haven't done it in the previous 12 months.
Please send your email to privacy@gravyspoon.com or get in touch with us via the ways listed in the "Contact Us" section at the bottom of this privacy policy if you wish to exercise any of the aforementioned rights.
To fulfill your request, we might need further information from you, and there might be situations in which we are unable to do so. For instance, even if you ask for your information to be deleted, we might still need to keep it in order to meet our legal requirements or for other legitimate reasons. To confirm your identity or your right to make the request, we will only utilize the Personal Information you submit in a verifiable consumer request. Your signed written authorization confirming the agent's authority to submit the request on your behalf must be provided to us if you are making a request through an authorized agency.
We may also contact you personally to confirm that you have granted the agent authorization to submit the request on your behalf, and we may ask any authorized agents to present identification.
Additionally, if you reside in California, California Civil Code Section 1798.83 enables you to ask for a written list of the categories of personal data that we have disclosed to third parties during the previous year for their direct marketing purposes. Please email us at privacy@gravyspoon.com to make such a request.
Do Not Track Signals
Some browsers have "Do Not Track" (DNT) options built in that can let websites know you don't want to be monitored when you visit them. Our services do not yet react to browser DNT signals because there is not yet a consensus on how to interpret the signal. Visit https://allaboutdnt.com/ for more details on DNT.
GravySpoon Does Not Intend to Collect Information of Children
The GravySpoon Services are not intended for users under the age of thirteen (13), and we do not intentionally collect or knowingly solicit Personal Information from users under 13 or from children. Such individuals are not intentionally permitted to use our Services by GravySpoon. If we discover that we unintentionally gathered Personal Information from a child or someone under the age of 13, we will take all reasonable steps to have such information removed. Please get in touch with us using one of the methods mentioned in the "Contact Us" section at the bottom of this privacy statement if you suspect that we may have any information from or about a child.
Revisions To Our Privacy Policy
By posting the updated or changed Privacy Policy on this Website, we retain the right to revise this Privacy Policy at any time. At the top of the website, it says when this privacy statement was last updated. Unless a change in any applicable law necessitates rapid alteration, any updated conditions automatically take effect when they are first posted on our website. You are in charge of keeping an eye on and assessing any revisions to this privacy policy on a regular basis.
Contact Us
Please use the contact information provided below if you have any questions about this privacy statement, the personal information GravySpoon keeps about you, or if you want to make any changes.
Email:
Postal mail:
GravySpoon Insurance, Inc.
PO Box 60787
Palo Alto, CA 94306
Phone:
1-855-222-5919 (U.S. toll free)
Website:
PRIVACY POLICY
Introduction
Gravy Spoon values data privacy greatly. This Privacy Policy ("Privacy Policy") explains how we gather, distribute, and otherwise use user information when you use our website and mobile application (collectively, "Services"), call us, or engage in other interactions with us. Additionally, this privacy statement informs you of your privacy rights and offers options for how we may use your personal information.
Any person who submits any data, whether personal or otherwise, on this website is referred to as "you" in the following sentences.
The Gravy Spoon Insurance US Company, Gravy Spoon First Insurance Agency, Inc., Gravy Spoon Claims Management, Inc., and AP Intego Insurance Group, LLC are all subsidiaries of Gravy Spoon Insurance, Inc., a Delaware corporation that operates as Gravy Spoon Online Insurance Services in California, Michigan, Minnesota, North Carolina, and Texas and as Gravy Spoon Insurance Services in New York, North Dakota, and Virginia. (refer to as "Gravy Spoon," "we," or "us" collectively).
The Terms of Service, which are available at https://gravyspoon.com/terms-of-service, are neither replaced or superseded by this Privacy Policy.
Please carefully read our privacy statement. Do not use the website or give us any personal information if any clause in this privacy statement offends you.
What is Personal Information?
Personal information, such as name, address, phone number, Social Security number, and driver's license number, is information that generally identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular person.
Collection of Your Information
a) Information you provide directly to us.
In order to underwrite, sell, solicit, and negotiate insurance products and services, Gravy Spoon may gather information about you. The following data may be included, albeit not all of it may be considered personal information under American privacy laws:
Your first and last name, home and workplace addresses, work and personal email addresses, date of birth, gender, and any online profiles you may have, such as Facebook, LinkedIn, or Google+ accounts. Your social security number, license number, marital status, financial information, educational background, and employment history are also included.
Any data you provide to us when or if you contact our customer care department via the Gravy Spoon contact form, email, chat, phone, or other channel.
When you access our website through one of these accounts (for example, by clicking on an advertisement through your social network account), information related to those accounts, such as your public profile and email address connected to those accounts, may also be collected. The privacy policies of those other businesses apply to your use of social media sites and other online accounts. These businesses will be able to provide you with more information about how they use and handle your data.
Anything you include when posting a review of a product you've bought. Please be aware that posting an online review of a product makes it available to the public and generally accessible to others, where it may be collected and used by others. Any collection or dissemination of Personal Information by third parties as a result of it being published in a public forum is beyond Gravy Spoon's control and is not its responsibility.
Your online activities on our website, such as page views, order details, or information you give while filling out surveys or seeking insurance quotations.
Information collected using automated technologies, including web server logs that compile IP addresses, web beacons, and cookies.
Owners of businesses should be aware of their criminal histories, any prior bankruptcies or tax or credit liens, any litigation involving poor workmanship, construction flaws, water intrusion, mildew, or fungi, and any relevant information regarding insurance or employee benefit plans.
any further details you freely give us.
You must only provide us with information and personal data that is truthful and not deceptive, and you must keep it current and notify us of any pertinent changes using the contact information provided below.
We may obtain the same or comparable information from our affiliates and other third parties, such as employers, insurers, brokers or agents, credit agencies, departments of motor vehicles and driver licensing, financial institutions, healthcare providers, and other sources, for any Personal Information you provide in order to obtain any of our Services.
b) Personal Information we collect automatically
We may automatically gather some information about you when you visit our website, which may also be referred to as Personal Information. When you visit our website or use our mobile app, we may automatically gather certain information, such as your IP address, the date and time you accessed our services, the hardware, software, or internet browser you are using, as well as details about your mobile device or computer's operating system. Additionally, we may track your clicks, the pages you visited while browsing, and any information you have given us in connection with requesting or setting up insurance quotations. This information can be regarded as personal information, depending on the relevant privacy laws.
c) Personal Information you provide about other individuals
We will assume you have the necessary permission to do so if you give us Personal Information concerning a third party, such as your dependents or employees. You must only offer accurate information; you must not supply information that is neither required nor requested.
d) Public forums and Service Providers
Gravy Spoon may investigate your background, get a credit report and/or score, and/or search via numerous open Internet sources to find information about you or your business before giving you an insurance estimate.
How We Use Your Personal Information
For a number of reasons that are listed below (collectively, "Purposes"), Gravy Spoon gathers information about you, including Personal Information. This might incorporate:
Underwrite, market, procure, and bargain insurance goods and services.
Process your order.
We may get in touch with you about your account, your orders, impending and/or missed payments, renewals, endorsements, or any other significant cause relating to your business dealings with Gravy Spoon.
Give you the desired quote or suggest products and services from a different vendor. You consent to receiving calls, emails, texts, mailers, or other similar communications in connection with these products and services when you provide your contact information to us as part of an attempted or successful request for an estimate or offer for goods and services.
Contact you with relation to our Services and products or services offered through our Services if you expressly provide us with your contact information in connection with our Services or the products or services offered through our Services.
Your request for information or services will be fulfilled.
Establish eligibility and handle product and service application processing.
Inform you of any products or services we might provide.
Communicate, provide service, and send invoices to customers.
Research and development of new goods and services are informed.
In order to: (i) respond to your inquiries or deliver information; (ii) deliver the goods, services, or subscriptions you choose, along with any benefits; (iii) carry out our obligations and uphold our rights under any contracts we may have with you, including for billing and collection; (iv) present our Website and its contents to you; and (v) assist in dynamically creating content for web pages or other digital media.
Consult with the proper third parties, such as credit reporting organizations, to get and update insurance or credit information.
Maintaining accounts and the associated services.
Conduct training for staff members and others.
Perform market research, analytics, marketing, and advertising for you or to support marketing and advertising.
Comply with contractual requirements.
Comply or conform to a legal or regulatory requirement.
With Whom Do We Share Your Personal Information
Your information, including Personal Information, may be disclosed by Gravy Spoon as follows:
To insurers, reinsurers, intermediaries, brokers, underwriters, insurance reference bureaus, healthcare organizations, fraud-detection organizations, our advisors, loss adjusters, attorneys, accountants, and other parties involved in the claims handling procedure ("Disclosure"). In addition, personnel evaluating our compliance with industry norms, applicable rating agencies of the financial institution, our lawyers, accountants, and auditors.
To third parties who help us run our website, run our business, or provide services to you, including marketing and advertising, with your express cooperation.
To the extent allowed by law, to third-party insurance rate advisory companies and other businesses that create commercial databases of insurance and financial data that may include premium and loss data, vehicle history, names, addresses, ownership structures, liens, judgments, and payment histories.
To uphold the law, our website policies, or the rights, property, or safety of us or others.
If we are obligated to do so or if we have a good faith belief that doing so is necessary in order to adhere to the rules of the law or to fulfill a court order or other request that has been made of Gravy Spoon.
When it is necessary or appropriate to do so in order to avoid suffering injury or suffering monetary loss while looking into possible or actual illegal activities.
In order to look into a complaint or security danger, or as necessary for business audits.
In the event that we reorganize, merge, sell, joint venture, assign, transfer, or otherwise dispose of all or any portion of our business, assets, or stock (including in connection with any bankruptcy or similar proceedings), we may transmit your information to a third party.
To protect the rights, property, or personal safety of Gravy Spoon, our customers, or others; to enforce or apply our Website policies and/or other agreements; or for any other reason. This could involve disclosing data, including your personal information, to other businesses and organizations in order to combat fraud and lower credit risk.
in accordance with current legislation and regulations, for any other reason to which you have given your approval.
To our service providers, who are contractually prohibited from using or disclosing your information unless absolutely necessary to carry out tasks on our behalf or in accordance with the law.
To our service providers, who are contractually prohibited from using or sharing your information other than as required to carry out tasks on our behalf or in order to comply with legal obligations.
No mobile data will be given to any parties for marketing or promotional activities. The text messaging originator opt-in data and consent are not included in any of the aforementioned categories, and they won't be disclosed to anyone else. The Opt in cannot be transferred to a different participant in the process.
For How Long Will We Store Your Personal Information
Generally speaking, we want to store Personal Information just as long as it's required—including to meet any applicable legal or regulatory obligations—and only for the purpose(s) for which it was originally received. We have a data retention policy with clear guidelines on retention and deletion to help us manage how long we store Personal Information and our record management.
When determining how long a specific record, including any personal information contained in that record, will be kept, we take into account the following factors:
How long the record must exist for you to receive the goods and services you demand
How long the record must exist in order for it to assist and improve our operational procedures
How long the record is needed to protect our rights and legal interests
How long the record must be kept in order to abide by the rules and regulations in effect
Depending on the circumstances mentioned above, the same personal information about you may be used for many purposes and contained in multiple records, each of which may have a different retention duration.
Data Security
Gravy Spoon, take precautions to prevent unwanted access to your information. Despite our best efforts, we cannot completely ensure the security of any information you provide over the website against loss, theft, and unauthorized use, disclosure, or modification. No transfer via the internet, via email, or via a mobile app is ever 100 percent secure or error-free. Messages sent via the website, including emails, might not be secure. When sending us information via email or the website, you should exercise caution and be especially selective about the details you give us.
Third-Party Links
Links to other websites that offer goods or services from third parties may be included on our website. Please be aware that certain websites and services are not covered by this privacy statement. We advise you to read the privacy policies and terms and conditions of any third-party websites that are linked to or mentioned before visiting them. These third-party websites might log your IP address, use their own cookies and tracking tools, gather data, or ask you for personal information. However, we work to maintain the accuracy of our Website and appreciate any input you may have regarding these sites.
Your Choices
You have the option to opt into (and later out of) receiving promotional voicemails, push notifications, text messages, and voicemail messages from us, our business partners, and third-party survey vendors. You may also choose to opt out of receiving promotional emails or other marketing emails from these parties. Text STOP to STOP to stop receiving text messages, or write to us at the postal or email addresses provided in Section 18 of this privacy statement. Please email us at the email address provided in Section 18 below if you'd want to stop receiving promotional voicemails. By altering your options in your device's or an application's settings, you can stop receiving push notifications if you chose to do so using your mobile device. If you no longer want the mobile application to collect information or stay on your device, you can uninstall it through the uninstall process on your mobile device. Use the "unsubscribe" link at the bottom of the email to request to be removed from receiving promotional emails.
Additionally, you have options when it comes to cookies and related technologies, as explained below.
Cookies
Gravy Spoon uses cookies to gather data about how you use our website. A cookie is a small text file that is created by a website and saved temporarily or permanently on a user's computer, mobile device, or web browser. When a user visits a website again, cookies enable the website to recognize that user's device. In addition to giving the customer a more consistent and satisfying experience, this enables website owners to compile usage data. At www.aboutcookies.org, you may learn more in-depth details about cookies and how they operate.
You can set your internet browser's choices to restrict the acceptance and storing of cookies, but doing so may make it more difficult for you to navigate our website and other websites.
To track your interactions with Gravy Spoon websites, Gravy Spoon may also use web beacons and other tracking technologies. A web beacon is a one-pixel electronic picture that is often translucent and is added to web content or email messages. It transmits data about the pages and content that visitors to the Gravy Spoon Website have visited.
Gravy Spoon’s Cookie Use
When a user visits the Gravy Spoon website again, cookies let Gravy Spoon recognize that user's device and execute its services more effectively by giving each user a more stable experience.
Additionally, cookies may give Gravy Spoon information about its users and permit Gravy Spoon to tally usage statistics.
Various cookies are used by Gravy Spoon. Some of the cookies that Gravy Spoon utilizes are essential for users to access secure areas with content intended only for logged-in users. Additionally, Gravy Spoon makes use of functional cookies to compile data on user preferences, including language, region, and other settings.
To ascertain the success of our content, the interests of our users, and the performance of our Services, Gravy Spoon makes use of analytical services. In order to learn more about website users and keep track of visitor counts, we also utilize web beacons, tracking pixels, and related technologies.
Gravy Spoon uses performance cookies to keep tabs on how many unique visitors and how frequently they visit our website. Despite the fact that data collected by web beacons, tracking pixels, and performance cookies is often not used to personally identify any user, such data may be coupled with other data to evaluate personal website user data.
Such cookies may be used by third-party websites on which Gravy Spoon may place advertisements to monitor the effectiveness of certain marketing efforts. To determine which users arrived at our website after viewing an advertisement on such a third-party website, we may utilize web beacons. In order to track activity, web beacons may also cooperate with cookies on your device. Web beacons cannot be disabled or deleted since they are not installed on your device.
You can, however, delete and prevent the cookies that web beacons employ to track your user behavior.
Your control over cookies
Your cookies can be managed and controlled in a number of ways. By changing the "do not track" choices in your internet browser settings, you may decide whether to accept or reject cookies. All cookies can either be accepted, rejected, or you can receive notification when a cookie is sent. The majority of browsers also enable you erase cookies one at a time, though doing so can make you lose preferences you've made for different websites. Please be aware that disabling cookies may affect your user experience and prevent you from accessing some areas of Gravy Spoon's Website. Web beacons from Gravy Spoon will continue to work even without cookies, but they will merely note that a user visited the website anonymously. Visit www.aboutcookies.org for further details on how to change your browser's settings to block or filter cookies.
If you want to change your privacy settings, visit the Google website at https://myaccount.google.com/yourdata/search and follow the steps there. This will prevent analytics cookies from tracking your anonymous browsing activity on websites.
Similar to conventional cookies, a local shared object (also known as a flash cookie) can hold extra data. The browser settings mentioned above cannot be used to filter these cookies. Flash cookies are used in some areas of Gravy Spoon's website to save user preferences for media player functionality. Without these cookies, certain video content might not play properly. By going to https://experienceleague.adobe.com/docs/core-services/interface/administration/ec-cookies/cookies-first-party.html, you can manually manage these cookies.lang=en.
International Users
The headquarters of this website and Gravy Spoon are in the US. Only Americans can purchase insurance from Gravy Spoon.
State-Specific Rights
The categories of data listed below make up the Personal Information about you that we gather. Additionally, these categories reflect the types of Personal Information that we have amassed over the previous 12 months. As stated in the California Privacy Rights Act ("CPRA"), the categories listed below refer to the category of Personal Information. A category that is included here simply means that, depending on the services and goods we offer you, we might gather some information under that heading.
The personal information we collect about you falls under the types of information outlined below. Additionally, the Personal Information types that we have gathered during the preceding 12 months are represented by these categories. The categories listed below are defined in the California Privacy Rights Act ("CPRA") as Personal Information. Any category included here merely means that, depending on the products and services we provide to you, we may collect data under that subject.
Additionally, Californians are given special rights on how their Personal Information is collected and used. Depending on your residency and subject to certain restrictions, you can be eligible for the following rights:
Right to access/know. You have the right to know and ask for details regarding the types and particular pieces of Personal Information we have collected about you over the past 12 months, as well as the types of sources from which we obtained such information, its intended use, and the types of third parties with whom we have shared it. Additionally, you are entitled to know whether we have shared or sold your personal information.
Right to correct. You have the right to request that we update your preferences or correct any errors in your personal information. However, we reserve the right to refuse your request if we believe it would violate any laws or legal requirements or result in inaccurate information. In general, this does not apply to data that is only kept for data backup purposes.
Right to delete. Subject to certain conditions, you have the right to request that your personal information be deleted.
Right to non-discrimination. You have the right not to face discrimination if you exercise any of the rights mentioned above. However, depending on the value of your personal information, we might offer a lower level of service or charge a lower fee.
Right to limit use and disclosure of Sensitive Personal Information. You have the right to restrict how Gravy Spoon uses and discloses any sensitive personal information it collects or keeps to only those uses required to deliver our services. However, we never use sensitive personal information for reasons unrelated to those required to deliver our services.
Opt-out of the sale or sharing of personal information. As those terms are defined by applicable state privacy legislation, including in California, we do not sell your personal information to or share it with third parties for cross-contextual advertising, nor do we intend to do so. Additionally, we haven't done it in the previous 12 months.
Please send your email to privacy@gravyspoon.com or get in touch with us via the ways listed in the "Contact Us" section at the bottom of this privacy policy if you wish to exercise any of the aforementioned rights.
To fulfill your request, we might need further information from you, and there might be situations in which we are unable to do so. For instance, even if you ask for your information to be deleted, we might still need to keep it in order to meet our legal requirements or for other legitimate reasons. To confirm your identity or your right to make the request, we will only utilize the Personal Information you submit in a verifiable consumer request. Your signed written authorization confirming the agent's authority to submit the request on your behalf must be provided to us if you are making a request through an authorized agency.
We may also contact you personally to confirm that you have granted the agent authorization to submit the request on your behalf, and we may ask any authorized agents to present identification.
Additionally, if you reside in California, California Civil Code Section 1798.83 enables you to ask for a written list of the categories of personal data that we have disclosed to third parties during the previous year for their direct marketing purposes. Please email us at privacy@gravyspoon.com to make such a request.
Do Not Track Signals
Some browsers have "Do Not Track" (DNT) options built in that can let websites know you don't want to be monitored when you visit them. Our services do not yet react to browser DNT signals because there is not yet a consensus on how to interpret the signal. Visit https://allaboutdnt.com/ for more details on DNT.
Gravy Spoon Does Not Intend to Collect Information of Children
The Gravy Spoon Services are not intended for users under the age of thirteen (13), and we do not intentionally collect or knowingly solicit Personal Information from users under 13 or from children. Such individuals are not intentionally permitted to use our Services by Gravy Spoon. If we discover that we unintentionally gathered Personal Information from a child or someone under the age of 13, we will take all reasonable steps to have such information removed. Please get in touch with us using one of the methods mentioned in the "Contact Us" section at the bottom of this privacy statement if you suspect that we may have any information from or about a child.
Revisions To Our Privacy Policy
By posting the updated or changed Privacy Policy on this Website, we retain the right to revise this Privacy Policy at any time. At the top of the website, it says when this privacy statement was last updated. Unless a change in any applicable law necessitates rapid alteration, any updated conditions automatically take effect when they are first posted on our website. You are in charge of keeping an eye on and assessing any revisions to this privacy policy on a regular basis.
Contact Us
Please use the contact information provided below if you have any questions about this privacy statement, the personal information Gravy Spoon keeps about you, or if you want to make any changes.
Email:
Postal mail:
Gravy Spoon Insurance, Inc.
PO Box 60787
Palo Alto, CA 94306
Phone:
1-855-222-5919 (U.S. toll free)
Website:
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Issuance of coverage is subject to underwriting. Not available in all states. Please see the policy for full terms, conditions and exclusions. Coverage examples are for illustrative purposes only. Your policy documents govern, terms and exclusions apply. Coverage is dependent on actual facts and circumstances giving rise to a claim. GravySpoon Insurance, Inc. and/or its affiliates is an insurance agency licensed to sell certain insurance products and may receive compensation from insurance companies for such sales. Policy obligations are the sole responsibility of the issuing insurance company. Refer to Legal Notices section for additional information.