Privacy Policy

Our team here at Flashquotes LLC (herein referred to as "Flashquotes", "we" or "our") values your trust, and makes it a high priority to ensure the security and confidentiality of the personal information you provide to us. In this Privacy Policy, we describe how we collect, use, share, or otherwise process personal information as a data controller in the course of operating our business, particularly in association with the operation of our main website (www.flashquotes.com) and our other digital properties that reference this Privacy Policy, including our websites, apps, digital communications and other our products and services (collectively "Services"). We encourage you to read our Privacy Policy to learn about our privacy practices. Cheers!

This Privacy Policy applies to any kind of personal information that Flashquotes processes concerning visitors to (www.flashquotes.com) and individuals, employees, owners and other representatives acting on behalf of (existing, former, or potential) Business Partners (collectively "you" or "your").

This Privacy Policy does not cover our processing of personal information that your customers submit while submitting quote requests through the integrated Flashquotes quote form on your website. For such processing, you are responsible for, and must be able to demonstrate compliance with applicable privacy laws. Within that context you may be legally required to publish a Privacy Policy or similar documentation on your website.

Terms we use in this Privacy Policy

Within the context of this Privacy Policy, the term "Business Partners" may refer to:

• Business entities using the Services,
• Third party service providers,
• Businesses participating in the Flashquotes Affiliate Program

"Personal information" means any information that identifies, relates to, describes, or can reasonably be linked, directly or indirectly, to a specific natural person. This does not include information concerning a legal person or entity.

Who is the data controller for processing your personal information?

Flashquotes LLC controls the processing of personal information, as described in this Privacy Policy. Flashquotes LLC is a private limited liability company, incorporated under the laws of the United States and has its office in Denver, Colorado.

What kind of personal information does Flashquotes collect?

The personal information Flashquotes may collect in regards to you depends on the context of the business relationship, the interactions you have with Flashquotes and the Services you use. The personal information Flashquotes collects and uses may include the following:

Personal information you give to us

Flashquotes may collect and use personal information you give to us, for example if you use our Services, fill out a form or when you interact with us:

• Account and contact information, such as full name, business addresses, business email addresses, business phone number and Flashquotes account details.
• Communication information, such as business contact details and content of correspondence and data exchanged with you by telephone, chat or other means of communication;
• Geolocation information, such as city, state, province and country.
• Contract information, such as information on our terms of agreement, and the service (to be) provided;
• Financial information, such as bank details, bank account information, bills and invoices, tax ID number and other data necessary for payment and invoicing purposes;
• Verification details, such as a copy of company registration documents or other relevant information to verify the authenticity of your company. This may also include proof-of-licenses or tax information
• Other information necessarily processed in business relationships or voluntarily provided by you.

Personal information we collect automatically

When you visit our website or use our Services we may automatically collect certain information – some of which may be personal information. The information collected may include:

• Language settings;
• IP address;
• Location;
• Device settings;
• Device operating system;
• Log information;
• Time of usage;
• URL requested;
• Status report;
• User agent (information about the browser version);
• Browsing history;
• User ID; and
• The type of data viewed.

Personal information you give to us about others

By sharing other individuals' personal information —such as data belonging to your staff members—you confirm (i) that these individuals have been notified of the information from this Privacy Policy, including how Flashquotes may collect, use, disclose and/or transfer their personal information, (ii) you have obtained any required consent from such an individual and (iii) you have the permission to provide such personal information which permits us to lawfully collect, use, and/or disclose such personal information in accordance to this Privacy Policy.

Personal information we receive from other sources

We may also receive personal information from other sources which may include:

• Information on your company: we may use business information companies and publicly available sources, such as websites or materials available through search engines, to verify, update and correct information contained in our databases.
• Data related to law enforcement and tax authority requests: law enforcement or tax authorities can contact Flashquotes with additional information about you in the event that you are affected by an investigation.
• Fraud detection and prevention, risk management and compliance: in certain instances, and as permitted by applicable law, Flashquotes may need to collect data through third party sources for fraud detection and prevention, risk management and compliance purposes.

You are not obliged or required to provide any information to us, however if you wish to enter into contracts with us or use our Services, you must also provide us with certain information, as part of your contractual obligation under the relevant contract. When using our website, the processing of technical data cannot be avoided.

Why does Flashquotes use your personal information?

Your personal information may be used or disclosed for one or more of the following purposes:

• Contractual relationship: we use personal information for the conclusion, administration and performance of the contractual relationships. As part of performing the contractual relationship, we process personal information for the administration of the business relationship, to provide contractual services, consulting and for customer service. Accounting, termination and enforcement of legal claims arising from contracts (i.e. debt collection, legal proceedings, etc.) are also part of the performance of the contractual relationship.
• Customer service: we use personal information to provide you with customer service, respond to your questions and complaints and to monitor and improve our customer service.
• Account facilities: where a Flashquotes account was created for you, we use the account-related information for the purposes of administering and maintaining the Flashquotes account, allowing you to manage your bookings and events.
• Communicating with you: we may use your personal information for getting in contact with you, including by email, phone, as well as through messenger services, chats, social media, and by letter or other means, to respond to inquiries, the exercise of your rights and to contact you in case of queries. This includes all purposes in relation to which we communicate with you, whether in the context of our contractual relationship, customer service or consulting, and for training and quality assurance purposes.
• Security, fraud detection and prevention: we may use personal information, in order to investigate, prevent, and detect fraud and other illegal acts to help maintain the safety, security, and integrity of our websites, products and services, databases and other technology assets, and business. This helps us to ensure that you can safely use our Services.
• Improving and personalizing our website and Services: we may use personal information for analytical purposes to improve our products, services and operations, and for product development, such as retaining and evaluating information on your visits to our website and how you move around different sections of our website for analytics purposes to understand how individuals use our Services so that we can make it more intuitive.
• Marketing and relationship management: we may use your personal information for marketing purposes and relationship management. This may happen in the form of newsletters and other regular contacts through other channels for which we have contact information from you, but also as part of marketing campaigns (for example events, invitations and surveys). You can object to such contacts at any time or refuse or withdraw consent to be contacted for marketing purposes by contacting us at privacy@flashquotes.com or clicking the "Unsubscribe" link included in each marketing communication.
• Change in ownership or corporate organization: to evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of Flashquotes's assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding. As a result, some or all of your information may be transferred to an entity acquiring all or part of our assets or to another entity with which we have merged.
• Legal and compliance: we may be required to disclose your personal information to comply with legal obligations, such as financial reporting obligations, compliance screening obligations, to handle and resolve legal disputes or for regulatory investigations, risk management and compliance. In addition, we may need to share information where required by law or strictly necessary to respond to requests from competent authorities. This includes tax authorities, courts, other governmental, and public authorities.

To process your personal information as described above, we rely on the following legal bases:

As applicable for purpose a to d, Flashquotes relies on the legal basis that the processing of personal information is necessary for entering into and the performance of a contract. If the required information is not provided, Flashquotes cannot finalize and perform the contract, nor can Flashquotes provide customer service.

In view of purposes e to h, Flashquotes relies on its or a third party's legitimate business interests, to provide and improve our products and services, communicate with you and send you communications, including marketing communications, and prevent fraud and other illegal acts. If you wish to object to the processing set out under e to h and no opt-out mechanism is available to you directly (for example, in your account settings), please contact us at privacy@flashquotes.com. For purpose i, Flashquotes also relies, where applicable, on compliance with legal obligations to which Flashquotes is subject.

Finally, where needed under applicable law, Flashquotes will obtain your consent prior to processing your personal information, including for email marketing purposes or as otherwise required by law. You may withdraw your consent at any time with effect for the future by contacting us at privacy@flashquotes.com.

In some cases, other legal bases may apply, which we will communicate to you separately as necessary.

Does Flashquotes provide personal information to third parties or service providers?

In certain circumstances, we may provide some of your personal information to third parties or service providers:

• Service providers: we use service providers who assist us in operating our website, conducting our business and perform Services on our behalf, such as web-hosting companies, marketing services, IT providers, analytics providers, customer support services or fraud detection and prevention services.
• Payment providers and other financial institutions: to process payments between you and Flashquotes or a consumer and you, relevant personal information is provided to payment providers and other financial institutions.
• Business partners: we work with business partners from time to time, for instance for fraud detection and prevention purposes or to enable them to provide services to you.
• Competent authorities: we may disclose information to competent authorities insofar as it is required by law or is strictly necessary for the prevention, detection or prosecution of criminal acts and fraud, or when we are otherwise legally obliged to do so. We may also need to disclose information to competent authorities to protect and defend our rights or properties, or the rights and properties of business partners.
• Corporate purchasers: we may provide your personal information to a corporate purchaser as part of a merger, acquisition or sale of Flashquotes company assets, or transition of Flashquotes Services to another company.

Children's Information

Our services aren't intended for children under 16 years old, and we'll never collect their information unless it's provided by (and with the consent of) a parent or guardian. If we become aware that we've processed the information of a child under 16 years old without the valid consent of a parent or guardian, we will delete it.

What are your rights

Flashquotes operates in jurisdictions that impose varying obligations and that grant individuals differing levels of protection, particularly with respect to personal information. Depending on applicable law, you may have certain rights with respect to your personal information, including:

• The right to ask for a copy of the personal information we hold about you;
• The right to ask us to erase, block, correct or restrict the personal information we hold about you, or object to particular ways in which we are using your personal information;
• The right to request that we provide certain personal information in a commonly used electronic format or transfer it to another data controller; and
• The right to withdraw consent, where our processing is based on your consent.

If you want to exercise any of the rights described above, please complete and submit your request to us by emailing as at privacy@flashquotes.com.

We endeavor to respond to your request electronically within thirty (30) days of its receipt. If we require more time, we will inform you of the reason and extension period. If you have a Flashquotes user account, you can access a lot of your personal information through our website or apps. You'll generally find the option to add, update or remove information we have about you in your account settings.

What retention periods does Flashquotes put in place?

We'll keep your personal information for as long as is necessary for the purposes for which we collected it, to comply with our legal and regulatory obligations, to resolve disputes or claims) or storage is a technical requirement, for example in case of backups.

How does Flashquotes protect your data?

We maintain industry-standard security procedures and implement appropriate safeguards to protect the confidentiality and integrity of user data. Information transmitted through our systems is secured using current encryption protocols. Access to user data is restricted to authorized personnel and only for the purposes previously described.

Country-specific provisions

Depending on the law that applies to you, we may be required to provide some additional information. If applicable, you will find additional information for your country or region below.

For California Residents – California Law

This section supplements our Privacy Policy and only applies if you reside in the state of California. Where applicable, it describes how we use and process your personal information and explains your particular rights under California law. Any terms defined in California law have the same meaning when used in this section.

Below, we describe the categories of personal information we have collected within the last twelve (12) months:

Please note that because the categories of personal information collected and shared largely depends on how you have interacted with us, not all of the items listed in the tables above will be relevant to you.

If you would like more information about the categories mentioned above, the specific types of personal information we collect, or the purposes for which we collect them, please read the sections of our Privacy Policy titled What kind of personal information does Flashquotes collect? and Why does Flashquotes use your personal information?.

To learn more about the receipt of personal information from and the sharing of personal information with business partners, please read the sections What kind of personal information does Flashquotes collect? and Does Flashquotes provide personal information to third parties or service providers?.

To learn more about our retention procedures, please read the section of our Privacy Policy titled What retention periods does Flashquotes put in place?.

We may also share your personal information, listed above for 'business purposes' listed in California law, such as to service providers who assist us with securing our services, for payment purposes, customer support services, delivering marketing messages, or advertisements.

For more details, including the recipients of your personal information, you can reference What kind of personal information does Flashquotes collect? and Does Flashquotes provide personal information to third parties or service providers?.

California law provides you with certain rights, including the right to access specific pieces of personal information and learn about how we process personal information, the right to correct your personal information, and request deletion of personal information. To exercise these or any of your other rights under California law, or to contact us with questions and concerns about this Privacy Policy and our practices, you can also contact us at privacy@flashquotes.com with the subject line: "California Resident Privacy Rights – Request".

If you are an authorized agent wishing to exercise rights on behalf of a California consumer, please contact us at the email above, attaching a copy of the consumer's written authorization, designating you as their agent. We may need to verify your identity before completing your rights request.

Flashquotes's services are not directed at children under the age of 16 years. Therefore, Flashquotes does not knowingly sell or share the personal information of minors under the age of 16 years without appropriate consent, as required under the California Consumer Protection Act (CCPA).

For US Residents – excluding California residents

If you live in the United States (in a state other than California) the information in this section applies to you in addition to other content in this Privacy Policy. The purpose of this section is to inform you about certain rights that you have in various US States which may be different from those described elsewhere in this Privacy Policy. If you are a resident of California, please review the section titled For California Residents – California Law to learn more about your specific rights.

In addition to the personal data (also referred to as "personal information") categories listed in this Privacy Policy above, we may also collect the following data about you:

• Geolocation data (e.g. your physical location)
• Inferences (e.g. analytics and preferences)

For more information about the categories mentioned above, specific types of personal data we collect, or the purposes for which we collect them, please refer to the sections of our Privacy Policy entitled What kind of personal information does Flashquotes collect? and Why does Flashquotes use your personal information?.

To learn more about the receipt of personal data from and the sharing of personal data with business partners, please read the sections What kind of personal information does Flashquotes collect? and Does Flashquotes provide personal information to third parties or service providers?.

For more details, you can find more information about this in the Does Flashquotes provide personal information to third parties or service providers? section of our Privacy Policy.

Your rights under privacy laws include the right of access to your personal data, the right to correct your personal data, the right to request deletion of your personal data and the right to obtain a copy of your personal data.

If you have any questions or concerns about this Privacy Policy, Flashquotes's practices, or to exercise any of your rights, please contact us by sending an email to privacy@flashquotes.com with the subject line: 'US Resident Privacy Rights – Request'.

If you are a parent, legal guardian, or the authorized agent of a consumer and you wish to exercise rights on behalf of a consumer, please contact us privacy@flashquotes.com. Please be aware that we may need to verify your identity and authorization before completing the rights request.

When you exercise your rights, we verify your identity based on whether the name and the email address you provide in the request matches the data you provided when using our services and other verification details. You may authorize another individual to exercise opt out rights on your behalf. If we receive such a request, we will send an email to confirm you authorized the requester to act for you.

Flashquotes's services are not directed at children under the age of 16 years. Therefore, Flashquotes does not intentionally collect the personal data of minors and we do not knowingly sell their personal data of minors under the age of 16 years without appropriate consent.

Additional Terms and Conditions

Please also visit our Terms of Service which establishes the use, disclaimers, limitations of liability, and other terms and conditions governing the use of our Services.

Changes to our Privacy Policy

We may modify or amend this Privacy Policy from time to time. Your continued use of our sites or services following the posting of changes will mean you acknowledge that you have been made aware of the new Privacy Policy as modified. If we decide to change our Privacy Policy, we will post those changes on this page and they will be effective immediately.

This Privacy Policy was last modified on January 30, 2025.

Contacting Us

If you have any questions or complaints regarding this Privacy Policy, or about our processing of your personal information, please contact us at privacy@flashquotes.com and we'll get back to you as soon as possible.