Privacy Policy

Effective: April 21, 2020

1. The Scope of this Policy

Big Wave Systems, LLC (“BWS”, “we”, “us”, or “our”) is committed to respecting the privacy rights and concerns of all users of the BWS website where this Privacy Policy is posted (the “Site”), and for all services made available by us (collectively with the Site, the “Service”). As such, we have established and implemented this Privacy Policy to inform visitors to the Site and users of the Service how we use and protect the information we collect. By accessing the Site or using the Service, you consent to our collection, use, storage, deletion and disclosure of information relating to you as set forth in this Privacy Policy. This Privacy Policy is effective as of the date set forth above and is only applicable to the Service and not to any other website that you may be able to access from the Service which may have its own data collection and use practices and policies.

2. The Information We Collect

Types of Identifying Personal Information We Collect

Personal information means information that can be used to identify and contact you. You do not need to submit personal information to access the Service generally. However, you may be required to submit personal information to access certain aspects of the Service. By submitting personal information through the Service, you authorize us to share this personal information for the purposes identified herein, such as responding to user inquiries, processing transactions, providing services, and requesting feedback.

Consumers:

When you use our Services, or when you enter information on our Site, we may collect personal information from you, including your:

• First and last name
• City and zip code
• Email address
• Phone numbers
• Preferred language
• IP address

We ask and collect information surrounding the existence of a current health insurance policy.

Brokers:

When you create an account and when you enter information on our Site, we may collect personal information from you, including your:

• First and last name
• Account name and password
• Company name
• Email address
• Phone number
• Preferred contact method
• County and zip code
• Proficient languages
• Coverage area
• License number
• Federal Employer Identification Number

Types of Non-Identifying Personal Information We Collect

We may also collect non-identifying personal information such as your browser type, domain names, mobile device operating system, when you accessed the Service and from what location you access the Service. This information may be aggregated to measure the number of visits, average time spent, page views, and other statistics about users of the Service. We may use this data to monitor the Service’s performance and to make the Service easier and more convenient to use.

We collect personal information when you visit our Site, input information through the Service, complete a survey, receive customer or technical support, or when we connect you with a broker.

3. How We Use Your Personal Information

The personal information you provide to us will allow us to communicate with you and provide the Service to you, depending on the aspects of the Service you utilize. This includes, but is not limited to, connecting you to an insurance broker; customer service questions or issues; verifying your identity; and requesting feedback upon your consent. We may also use your email address as part of the Service in sending you messages about the Service and other general announcements. We keep track of your interactions with us, including but not limited to your activity within the Service. Except as set forth in this Privacy Policy, or unless we have your consent, we will not share your personal information with any person or entity other than those affiliated with us, entities acting on our behalf, and relevant third parties such as those needed to collect and maintain our servers and perform technology and related services.

We may use your personal information with non-personal information that we have collected in a manner such that the end product does not personally identify you or any other user of the Service. We may make your personal information non-personally identifiable by either combining it with information about other users (aggregating your personal information with information about other users), or by removing characteristics (such as your name or email address) that make the information personally identifiable. This process is known as de-personalizing your information.

4. How We Share Your Information

We use your personal information to provide the Service to you, handle your customer service questions or issues, request feedback, and send communications to you about promotions, updates, or special offers from us that may be of interest to you. The personal information uploaded by you through the Service will be shared only with authorized persons to whom you specifically grant access or direct us to share with. We may also use your depersonalized personal information to provide analyses of our users in the aggregate to prospective partners and other third parties.

Sharing Your Information

• Service Providers: We may share your personal information with service providers (including our affiliates) that we engage for the purpose of processing information on our and your behalf.
• Protection of Rights: We will share personal information if we have a good faith belief that it is necessary to satisfy applicable law, regulations, or legal process.
• Asset Transfers: If we become involved in a merger, acquisition or other transaction, user information, including personal information collected from you through the Service, could be included in the transferred assets.

5. Your Rights and Choices Regarding Your Information

Control of Your Information

You may update or delete your personal information or modify your account preferences for the Service by accessing the account interface provided through the Service. Please note that if you disable your account, we will keep the information we receive as described in this Privacy Policy for as long as necessary for legitimate business purposes.

Your Choice to Opt Out

If you no longer want to receive our emails or other announcements, you may unsubscribe by writing to us at privacy@helpondemand.com or following the instructions provided through the Service. Please note that you cannot unsubscribe from certain correspondence from us.

6. How We Store and Safeguard Your Information

The personal information that you provide to us is stored on servers protected by protocols and procedures designed to ensure the security of such information. Access to personal information is restricted to employees and contractors who need to know this information to develop and maintain the Service.

In the event that personal information you provide to us is compromised as a result of a breach of security, we will take reasonable steps to notify you and comply with any applicable laws and regulations.

7. California Residents’ Privacy Rights

The California Consumer Privacy Act of 2018 (the “CCPA”) gives California residents (“consumers”), the right to learn about and control certain aspects of how a business handles the personal information that a business collects about them. Pursuant to the CCPA, consumers have certain rights, including:

• The right to know the categories of personal information collected.
• The right to delete your information.
• The right to opt out of the sale of your information.

Your Personal Information

8. Changes to this Privacy Policy

We may change this Privacy Policy from time to time due to evolving laws and regulations. We will post changes to this page and encourage you to review our Privacy Policy.

9. Contact Us

If you have any questions about our privacy practices or this Privacy Policy, please contact us by email at privacy@helpondemand.com.