INFORMATION WE COLLECT AND WHY WE COLLECT IT
Information We Collect
We collect information to provide better services to all of our users, and we collect that information in the following ways:
Information You Give Us
We collect personal information from you when you register for a Bubble account and apply for insurance products and services through our Site. For example, when you register for a Bubble account, we’ll ask you for your name and e-mail address, and when you apply for insurance products and services, we’ll ask you for your date of birth, social security number, address, phone number, driver’s license number, employment, financial, family and housing information, existing life and health insurance coverage information, activity information, health information, bank account and/or credit card information, and other information. We may also collect information from you during your use of our Site, or when we communicate with you via telephone, e-mail or other means.
Information We Collect from Third Parties
Information We Collect Based on Your Activity on Our Site
Purposes for Which We Use Information We Collect
We use the information we collect for our business purposes to provide, maintain, protect and improve our Site, products and services; to develop new products and services; to better our marketing efforts; and to protect us and our users. This may include communicating with you concerning your interest in our website and products/services. We may also use your personal information to select you for certain marketing offers, newsletters, surveys and/or requests for feedback regarding your experience. We may use your personal information both to select you for an offer and to communicate that offer to you. Receipt of these communications is voluntary. If you do not wish to receive these communications please click on the “unsubscribe link” provided in such communications.
How We Share and Categories of Third Parties With Which We Share Information
We do not share your information with companies, organizations and individuals outside of Bubble unless one of the following circumstances applies:
With Your Consent
We will share your information with companies, organizations or individuals outside of Bubble when we have your consent to do so.
As Necessary to Provide You the Products and Services You Request
We will share your information with life 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 life 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 needed to carry out their work for us, which may include billing, payments, background check services, service fulfillment, web hosting or providing analytic services. We provide only as much information as is needed for these third-party vendors, agents and other service providers to perform services on our behalf. In addition, if you were referred to us by another company, we will share your information with that company as necessary to honor the terms of our agreement with that company and to provide you the insurance products and services you request.
For Legal Reasons
We may share your information with companies, organizations or individuals as required by law or subpoena or if we reasonably believe that such action is necessary to (i) comply with, any applicable law, regulation, legal process or governmental request; (ii) enforce our Terms, detect, prevent or address fraud, or to protect the security or integrity of our Site and the products and services offered through our Site; and/or (iii) exercise or protect the rights, property, or personal safety of us, our users or others
In Connection with Our Sale or Other Significant Transaction
We may share your information with companies, organizations or individuals in connection with a significant transaction, such as a merger, sale of our assets or shares, reorganization, financing, change of control or acquisition of all or a portion of our business by another company or third party or in the event of a bankruptcy or related or similar proceedings.
With Our Affiliates
We may share your information with other companies owned by or under common ownership as Bubble. These companies will use your personal information in the same way as we can under this policy.
We Have De-Identified the Data
We may also aggregate, de-identify, or otherwise strip data of all personally identifying characteristics and may share that aggregated and/or de-identified data with other companies, organizations or individuals.
Your Choices About Your Information
If you do not want to receive promotional emails from us, you may stop receiving such emails by clicking on the “unsubscribe link” provided in such emails. We make every effort to promptly process all unsubscribe requests. You may not, however, opt out of service-related emails and communications (for example, you may not opt out of emails related to account verification, changes/updates to features of our Site or products or services, technical and security notices or that provide other transactional information). We will retain your information for as long as your account is active or as needed for legitimate business or legal purposes. We may also reject requests related to updating or deleting information that are unreasonably repetitive, require disproportionate technical effort (for example, fundamentally changing an existing practice), risk the privacy of others, or would be extremely impractical (for example, requests concerning information residing on backup systems).If you have any questions about reviewing, modifying or deleting your information, you may contact us by e-mail (email@example.com).
Privacy Information for California Residents
Categories of personal information we collect
Under the CCPA, we are required to provide you with the “categories” of personal information we collect as defined by California law. The categories of personal information we collect that are subject to the CCPA are: Identifiers (such as name, address, email address) that are collected from prospective users or non-registered users seeking additional information about Bubble; and Internet or other network or device activity (such as browsing history or usage information and associated device IDs and IP addresses).
How we source, use, and share these categories of personal information
We maintain commercially reasonable administrative, physical, and technical safeguards designed to prevent any unauthorized use, access, processing, destruction, loss, alteration, or disclosure of the data and information you provide us. In the event that any data or information under our control is compromised as a result of a breach of security, we will investigate the situation and where appropriate, notify those individuals whose information may have been compromised and take other steps, in accordance with any applicable laws and regulations.
We do not knowingly collect or solicit any information from anyone under the age of 13 or knowingly allow such persons to register for a Bubble account. In the event that we learn that we have collected personal information from a child under age 13, we will delete that information as quickly as possible. If you believe that we might have any information from a child under age 13, please contact us by e-mail (firstname.lastname@example.org).
Any changes to this policy become effective when posted to the Site. If you have registered for an account through the Site, we will notify you of any material changes to this policy by using any of the contact information you have provided to us or by posting a message on the Site’s home page. In addition, we will update the “last modified” date at the bottom of this page. Your continued use of the Site or our products and services following the update means that you accept our updated policy.