Privacy Policy

Aspera Insurance Services, Inc. (“Aspera” “we,” “us,” or “our”) owns and operates the website at (the “Web site”). This Privacy Policy states the circumstances under which we use and disclose information that you provide to us and information that we collect when you use the Web site.  Please read this page carefully. By accessing the Web site or submitting your information to us, you agree to the terms set forth in this Privacy Policy.  If you do not agree with this Privacy Policy, please do not use or submit information to the Web site.

Collection of Information

Personal Information and Third Party Information
“Personal Information” means all personally-identifiable information about you, including but not limited to your name, address, the names of your beneficiaries, credit card information, Social Security number, home and mobile telephone numbers, birth date, e-mail/IP addresses, account username and password, or similar information about your family members.

We collect Personal Information about you from different sources, depending on the products or services that you request from us. Specifically, we collect Personal Information from you when you submit applications and forms to us. We also collect Personal Information from your transactions with us, our sister or parent companies or other companies or affiliates, and from consumer reporting agencies, demographic firms, and medical providers. Information collected from consumer reporting agencies, demographic firms, and medical providers includes but is not limited to your Personal Information and your credit report, motor vehicle and driver data, medical data, employment data, and loss history reports (collectively, “Third Party Information”). We may also collect Personal Information in connection with establishing and maintaining your user account on the Web site.

We may keep the e-mails you send to us. If you choose to send us e-mail, we may keep your e-mail, your e-mail address, and our reply.

Non-Identifying Information
In addition to your Personal Information and any Third Party Information, we may also collect information from you about your assets, income, property value, account balance, policy coverage, payment history, premiums paid, preferences, claims, and purchase methods (“Non-Identifying Information”).

Medical Information
Sometimes we must collect medical information about you from you, your healthcare provider, or from a consumer reporting agency to provide you with a product or to pay a claim.

Information Collected from Web site
We may collect the information you provide when you request information from our Web site, use online tools and calculators, apply online for products, subscribe to online services, complete an online form, or conduct transactions online. We contract with certain unaffiliated business partners who help us deliver online products and services. They may also keep the information that you provide, but they are only allowed to use the information for purposes related to helping us offer goods and services to you.

We may also collect site aggregate and customer-specific information about the pages you view on our Web site.

Use and Disclosure Information
Personal Information, Third Party Information, and Non-Identifying Information

We will not sell your Personal Information, Third Party Information, or Non-Identifying Information to anyone for any reason. We do not share this information about you, except as set forth in this Privacy Policy. We may share your Personal Information, Third Party Information, and Non-Identifying Information: (1) with our sister companies or our parent company; (2) with a business that carries out marketing or other services for us; (3) with third parties in order to provide you with products or services that you request from us; (4) as otherwise permitted or required by state or federal laws or regulations; or (5) to combat fraud. There is no need for you to take any action to prevent us from selling your information to anyone or sharing it with anyone for purposes other than those set forth in this Privacy Policy.

Medical Information
We may use your medical information when (1) underwriting insurance; (2) servicing your policy, account, or claim; (3) as otherwise required or permitted by law; or (4) pursuant to your specific authorization. We will not use or share your medical information for any marketing purpose without your permission.

User Accounts
When you access this Web site using a username and password, we may use the Personal Information associated with your account to identify you and track your activities on the Web site. 

Business Transfers
As we continue to develop our business, we may sell certain assets. User information, including Personal Information, Third Party Information, and Non-Identifying Information, is typically among the business assets transferred in these transactions. We may therefore transfer information about you in connection with such a transaction. By submitting any information to our Web site, you agree that it may be transferred under such circumstances.

Use of “Cookies”
We may store cookies on your computer when you visit the Web site. A cookie is small file that is tied to certain non-personally-identifiable information about you and allows Aspera to track and target your interests and preferences and customize your Web site experience. The cookies do not collect confidential or Personal Information and they do not track your online movement after you leave our Web site.

You may erase or block cookies if you object to their use. We recommend, however, that you allow cookies to be stored on your computer as they may be needed in order for the Web site to function properly.

Accuracy of Information
We strive to keep our records as accurate as possible. We attempt to maintain accurate records about you and will make appropriate corrections when you notify us.

Confidentiality and Security
We use physical and technical safeguards to protect information that you submit to us and information that we automatically collect. We restrict access to all of your information to those who need it to perform their jobs. Our third-party business partners may only use information about you that we provide to them for our purposes. They may not disclose it or use it in any other way. Notwithstanding the foregoing, we are not responsible for the collection, use, accuracy, or security of information by the companies or organizations outside of our family of companies.

Third-Party Websites
The Web site may contain links to third-party websites. This Privacy Policy applies only to our Web site. When you link to a third-party website, you become subject to the privacy policies and practices governing use of that website. We have no information about and are not responsible for the privacy practices of other websites.  We encourage you to read the privacy policies of any website to which you link from our Web site.

Changes to Our Privacy Policy
Aspera may modify this Privacy Policy at any time. We will post the modified Privacy Policy on this page along with its effective date. You should visit this page periodically to view the most recent version of the Privacy Policy. By continuing to access or use the Web site after a modification to this Privacy Policy, you agree to be bound by any such modifications.

If we change our information disclosure practices, we will notify you by posting changes on this website.

Please send privacy inquiries to:

Aspera Insurance Services, Inc.
Attn: Regulatory Compliance
P.O. Box 17008
Richmond, VA 23226

Effective: January 27, 2015