Privacy Policy
My Own Policy Privacy Policy
PLEASE READ THE FOLLOWING PRIVACY POLICY CAREFULLY.
WHEN YOU USE OUR WEBSITE YOU ACKNOWLEDGE THAT YOU HAVE READ,
UNDERSTOOD, AND AGREE TO BE BOUND BY THIS PRIVACY POLICY.
This Privacy Policy was last updated on 7/2/2024 and replaces and supersedes any
previous versions and will remain current until further notice. This Privacy Policy applies
to these Website addresses, which are owned by My Own Policy:
1. Introduction.
This Privacy Policy (this ”Policy”) shall govern your use of the website(s), including all
pages within the website(s), identified above (collectively, the “Website”).
We will refer to My Own Policy as “we”, “us”, or “our.” Similarly, we will refer to you, our
User, our Customer or our Client, as “you,” “your,” or “User.” Collectively, together we
are the “parties.”
My Own Policy respects the privacy rights of you, our visitors, our customers, or guests
or anyone who visits the Website. We also recognize the importance of protecting
information collected from you. This Policy applies only to the Website and not to
websites maintained by other companies or organizations in which we do business with
and/or link to. This Policy guides how we collect, store and use the information you
provide online through the Websites.
This Policy applies in full force and effect to your use of the Website and by using the
Website, you expressly accept the Policy herein in full. You must not use the Website if
you have any objection to this Policy. If you do not agree to any or all of the Policy, your
only remedy is to not use the Website.
The Website is not for use by any minors, which means persons under the age of 18.
The Website is also not for the use by any person who is legally incompetent or who
lacks the capacity to understand this Policy.
2. Personally Identifiable Information (PII).
As a general rule, we do not collect PII about you when you visit the Website unless
you choose to provide such information to us. Submitting PII, including electronic
payment information through the Website is voluntary. By doing so, you are giving us
your permission to use the information for the stated purpose. However, not providing
certain information may result in our inability to provide you with the service you desire.
If you choose to provide us with PII on the Website, through such methods as
completing a web form or sending us an email or entering electronic payment
information, we will use that information to help us provide you the information or
service you have requested or to respond to your message. The information we may
receive from you varies based on what you do when visiting the Website.
Generally, the information requested by us will be used to respond to your inquiry or to
provide you with the service you request. When this information is requested, the
reasons for collecting it, a description of our intended use of the information, how to
grant consent to use mandatorily provided information, and how to grant consent for
other than statutorily mandated uses can be made available to you on request.
We request that you protect the confidentiality of any User ID and password you use to
access any of your services online and/or the Website. You are responsible for all
activity on the Website accessed by your User ID and password. Access by My Own
Policy employees or consultants to any personal information you provide is limited to
only information necessary to provide the business service offered and to allow
employees or consultants to perform their duties for My Own Policy.
To provide you with services offered on the Website, or to complete transactions or
requests you initiate on the Website, we may transfer you to outside services provided
by third-party operators. In certain instances, the third-party content may be “framed”
in such a way that it appears that you are still on My Own Policy Website. In such
cases, we will have agreements with those third parties whose websites you may be
transferred to, under which the third parties agree to maintain the confidentiality of
your personal information and to use it only to help us serve you.
3. Information Collected Upon Registration.
If you desire to have access to certain restricted sections of the Website, you will be
required to become a registered user, and to submit certain personally identifiable
information to us. This happens in a number of instances, such as when you sign up for
our services, or if you desire to receive marketing materials and information. Personally
identifiable information that we may collect in such instances may include your full
name, username, password, email address, address, time zone, telephone number,
electronic payment information, and other information that you decide to provide us
with, or that you decide to include in your public profile.
4. Use of Contact Information.
In addition, we may use your contact information to market to you, and provide you
with information about, our products and services, including but not limited to our
services. If you decide at any time that you no longer wish to receive such information
or communications from us, please follow the unsubscribe instructions provided in any
of the communications.
5. Log Data.
When you visit the Website, our servers automatically record information that your
browser sends whenever you visit a website as Log Data. This Log Data may include
information such as your IP address, browser type or the domain from which you are
visiting, the websites you visit, the search terms you use, and any advertisements on
which you click. For most users accessing the Internet from an Internet service provider,
the IP address will be different every time you log on. We use Log Data to monitor the
use of the Website and of our service, and for the Website’s technical administration.
We do not associate your IP address with any other personally identifiable information
to identify you personally, except in case of violation of our Terms and Conditions.
6. Your Account.
If you use this site, you are responsible for maintaining the confidentiality of your
account and password and for restricting access to your computer, and you agree to
accept responsibility for all activities that occur under your account or password. My
Own Policy reserves the right to refuse service, terminate accounts, remove or edit
content, or cancel orders in their sole discretion.
We use cookies and other technologies to passively collect demographic information,
personalize your experience on our site and monitor advertisements and other activities.
Cookies are small files downloaded to your computer to track movements within
websites. We may link cookie information to personal information. Cookies link to
information regarding what items you have selected for purchase at our store or pages
you have viewed. This information is used to keep track of your shopping cart and make
sure you don’t see the same ad repeatedly. Also, we use cookies to deliver content
specific to your interest and to monitor Website usage. Some of our sites use an outside
ad company to display ads. These ads may contain cookies. Our ad companies collect
cookies received with banner ads, and My Own Policy does not have access to this
information. Most browsers are automatically set to accept cookies whenever you visit a
website. You can disable cookies or set your browser to alert you when cookies are
being sent. However, some areas of our sites will not function properly if you do so.
Please note that this Policy covers the use of cookies by My Own Policy only and does
not cover the use of cookies by any advertisers.
7. Other Technologies.
Other technologies used include clear GIFs. Clear GIFs, also known as web bugs,
beacons or tags, are small graphic images placed on a web page, web-based document,
or in an e-mail message. Clear GIFs are invisible to the user because they are typically
very small (only 1-by-1 pixel) and the same color as the background of the web page,
document or e-mail message. We do not use clear GIFs to collect personal information
about you. However, we may use clear GIFs to capture statistical usage information for
our web pages, features or other elements on a web page. We may correlate this
information to a user to personalize user experience and for statistical analysis of user
experiences on our web pages.
8. Sharing Your Information with Third Parties.
Other than as set forth herein, we will not disclose your personal information to third
parties without your written consent (which consent may be obtained electronically,
such as by e-mail), unless we reasonably believe the disclosure is essential to the
conduct of our business or to provide services to you, including but not limited to where
such disclosure is required by law, or if we believe such action is necessary in order to:
(1) conform to the requirements of the law or comply with legal process served upon
us; (2) protect or defend our legal rights or property, the Website, or our users; (3)
investigate, prevent or take action regarding illegal activities, suspected fraud, situations
involving potential threats to the physical safety of any person, or violations of the
Terms & Conditions for using the Website; or (4) resolve customer disputes or inquiries.
We engage other companies and individuals to perform functions on our behalf.
Examples include processing credit card payments and delivering packages. They have
access to personal information needed to perform their functions, but may not use it for
other purposes. We do not provide your personal information to third parties for
telemarketing, e-mail or direct mail solicitation. When we contract with other companies
to market or advertise products for My Own Policy, we require that those companies
also protect your personal information.
9. Law Enforcement.
We cooperate with government and law enforcement officials or private parties to
enforce and comply with the law. We may disclose any information about you to
government or law enforcement officials or private parties as we, in our sole discretion,
believe necessary or appropriate to respond to claims, legal process (including
subpoenas), to protect the property and rights of My Own Policy or a third party, the
safety of the public or any person, to prevent or stop any illegal, unethical, or legally
actionable activity, or to comply with the law.
10. Business Transfers.
We may sell, transfer or otherwise share some or all of our assets, including your
personally identifiable information, in connection with a merger, acquisition,
reorganization or sale of assets or in the event of bankruptcy.
11. Variation of Policy.
My Own Policy is permitted to revise this Policy at any time as it sees fit, and by using
the Website you are expected to review such Policy on a regular basis to ensure you
understand our efforts to ensure and protect your personal information that we may be
privy to through your use of the Website.
12. Terms & Conditions.
This Policy also incorporates our Terms and Conditions.