Last Updated: 09/12/2023
This Privacy Policy describes how Monoline Inc. (“we”, “us”, or “our”) handles the personal information that we collect through our website, our platform, and any other sites or services that link to this Privacy Policy (collectively, our “Services”).
Consumers who apply for and obtain insurance through the Services should also review our GLBA Privacy Notice.
Personal Information We Collect
We collect information from representatives of our insurance provider partners and insurance brokers, consumers who – through brokers – use the Services to apply for and obtain insurance, and visitors to our website. These individuals may provide information about themselves as well as about each other (e.g., brokers who provide information about consumers applying for insurance).
This information may include:
Contact information, such as your name and email address, mailing address, phone number, professional title and business name.
Account information, such as the username and password you use to access the Services.
Application information that brokers provide about consumers when applying for insurance, such as an applicant’s name, mailing address, phone number, government-issued ID, date of birth, income and employment history, credit information, insurance and claims history, and other relevant information.
Payment information needed to process payments through our Services. This information is processed by our payment service provider, Justifi, which may handle your payment information in accordance with its own privacy policy.
Feedback or correspondence, such as information you provide when you contact us with questions, feedback, or otherwise correspond with us online.
Usage information, such as information about how you use the Services and interact with us, including information associated with any content you upload to the Services or otherwise submit, and information you provide when you use any interactive features of the Services
Marketing information, such as your preferences for receiving communications about our Services, and details about how you engage with our communications.
Other information that we may collect, or which you may choose to provide, which is not specifically listed here, but which we will use in accordance with this Privacy Policy or as otherwise disclosed at the time of collection.
Information we obtain from third parties
Social media information. We may maintain pages on social media platforms, such as Facebook, X, and other third-party platforms. When you visit or interact with our pages on those services, their privacy policy will apply to your interactions and their collection, use, and processing of your personal information. You or the platforms may provide us with information, and we will treat such information in accordance with this Privacy Policy.
Other sources. We may obtain your personal information from other third parties, such as consumer reporting agencies, publicly-available sources, and data providers
Automatic data collection.We and our service providers may automatically log information about you, your computer or mobile device, and your interactions over time with our Services, our communications, and other online services, such as:
Device data, such as your computer’s or mobile device’s operating system type and version, manufacturer and model, browser type, screen resolution, RAM and disk size, CPU usage, device type (e.g., phone, tablet), IP address, unique identifiers, language settings, mobile device carrier, radio/network information (e.g., WiFi, LTE, 4G), and general location information such as city, state or geographic area.
Online activity data, such as pages or screens you viewed, how long you spent on a page or screen, browsing history, navigation paths between pages or screens, information about your activity on a page or screen, access times, duration of access, and whether you have opened our marketing emails or clicked links within them.
We use the following tools for automatic data collection:
Cookies, which are text files that websites store on a visitor’s device to uniquely identify the visitor’s browser or to store information or settings in the browser for the purpose of helping you navigate between pages efficiently, remembering your preferences, enabling functionality, and helping us understand user activity and patterns.
Local storage technologies, like HTML5, that provide cookie-equivalent functionality but can store larger amounts of data, including on your device outside of your browser in connection with specific applications.
Web beacons, also known as pixel tags or clear GIFs, which are used to demonstrate that a webpage or email was accessed or opened, or that certain content was viewed or clicked.
How We Use Your Personal Information
To operate our Services
Provide, operate, maintain, secure, and improve our Services.
Provide you with customer service.
Communicate with you about our Services, including by sending you announcements, updates, security alerts, and support and administrative messages.
Understand your needs and interests, and personalize your experience with our Services and our communications.
Respond to your requests, questions, and feedback.
Research and development.We may use your personal information for research and development purposes, including to analyze and improve our Services and our business. As part of these activities, we may create aggregated, de-identified, or other anonymous data from personal information we collect. We make personal information into anonymous data by removing information that makes the data personally identifiable to you. We may use this anonymous data and share it with third parties for our lawful business purposes, including to analyze and improve our Services and promote our business.
Direct marketing. As permitted by law, we may send direct marketing communications to representatives of our insurance partners as well as insurance brokers via email. You may opt out of our marketing communications as described in the “Opt out of marketing communications” section below. Please note that we do not market directly to consumers who are applying for or who have obtained insurance using the Services.
Compliance and protection
Comply with applicable laws, lawful requests, and legal process, such as to respond to subpoenas or requests from government authorities.
Protect our, your, or others’ rights, privacy, safety, or property (including by making and defending legal claims).
Audit our internal processes for compliance with legal and contractual requirements and internal policies.
Enforce the terms and conditions that govern our Services.
Prevent, identify, investigate and deter fraudulent, harmful, unauthorized, unethical or illegal activity, including cyberattacks and identity theft.
How We Share Your Personal Information
Service providers.We may share your personal information with third-party companies and individuals that provide services on our behalf or help us operate our Services (such as lawyers, bankers, auditors, insurers, customer support, hosting, analytics, email delivery, marketing, and database management).
Other users of the Services. We will share information with other users of the Services as necessary to facilitate insurance-related transactions. For example, we will share a consumer’s information with our insurance partners in order to process the consumer’s application.
Authorities and others. We may disclose your personal information to law enforcement, government authorities, and private parties, as we believe in good faith to be necessary or appropriate for the compliance and protection purposes described above.
Business transfers. We may sell, transfer or otherwise share some or all our business or assets, including your personal information, in connection with a business transaction (or potential business transaction) such as a corporate divestiture, merger, consolidation, acquisition, reorganization or sale of assets, or in the event of bankruptcy or dissolution. In such a case, we will make reasonable efforts to require the recipient to honor this Privacy Policy.
Your Choices
Opt out of marketing communications. You may opt out of marketing-related emails by following the opt-out or unsubscribe instructions at the bottom of the email or by contacting us as provided in the “How to Contact Us” section below. You may continue to receive service-related and other non-marketing emails.
Cookies. Most browser settings let you delete and reject cookies placed by websites. Many browsers accept cookies by default until you change your settings. If you do not accept cookies, you may not be able to use all functionality of the Service and it may not work properly. For more information about cookies, including how to see what cookies have been set on your browser and how to manage and delete them, visit www.allaboutcookies.org.
Do Not Track. Some Internet browsers may be configured to send “Do Not Track” signals to the online services that you visit. We currently do not respond to “Do Not Track” or similar signals. To find out more about “Do Not Track,” please visit www.allaboutdnt.com.
Other Sites, Mobile Applications, and Services
Our Services may contain links to other websites, mobile applications, and other online services operated by third parties. These links are not an endorsement of, or representation that we are affiliated with, any third party. In addition, our content may be included on web pages or in mobile applications or online services that are not associated with us. We do not control third party websites, mobile applications or online services, and we are not responsible for their actions. Other websites and services follow different rules regarding the collection, use and sharing of your personal information. We encourage you to read the privacy policies of the other websites and mobile applications and online services you use.
Security
We employ a number of technical, organizational and physical safeguards designed to protect the personal information we collect. However, no security measures are failsafe and we cannot guarantee the security of personal information.
Job Applicants
When you apply for a job with us, we collect the information that you provide to us in connection with your job application. This includes business and personal contact information, professional credentials and skills, educational and work history, and other information of the type that may be included in a resume. This may also include diversity information that you voluntarily provide. We use this information to facilitate our recruitment activities and process employment applications, such as by evaluating a job candidate for an employment activity, and monitoring recruitment statistics. We may also use this information to provide improved administration of the website, and as otherwise necessary (a) to comply with relevant laws or to respond to subpoenas or warrants served on us; (b) to protect and defend the rights or property of us or others; (c) in connection with a legal investigation; and/or (d) to investigate or assist in preventing any violation or potential violation of the law, this Privacy Policy, or our terms of service.
Retention
We retain your personal information only for as long as is necessary to fulfil the purposes for which it was collected and processed, in accordance with our retention policies, and in accordance with applicable laws or until you withdraw your consent (where applicable).
Changes to This Privacy Policy
We may modify this Privacy Policy from time to time in which case we will update the effective date at the top of this Privacy Policy. If we make material changes to the way in which we use information we collect, we will use reasonable efforts to notify you (such as by emailing you at the last email address you provided us, by posting notice of such changes on our website, or by other means consistent with applicable law) and will take additional steps as required by applicable law.
How to Contact Us
If you have any questions about this Privacy Policy or the Services, please contact us by email at support@monoline.com or by mail at:
Monoline, Inc.
11500 Wayzata Blvd. #1136
Minnetonka, MN 55305
United States
GLBA Notice
The Privacy Notice (GLBA) applies to all Monoline, Inc. customers and describes how we collect, share and protect personal information in order to conduct business. Furthermore, this notice details the type of information sharing you can limit and indicates how to do so.
| FACTS | WHAT DOES MONOLINE, INC. (“MONOLINE”) DO WITH YOUR PERSONAL INFORMATION? |
| Why? | Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. |
| What? | The types of personal information we collect and share depend on the product or service you have with us. This information can include, but is not limited to:
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| How? | All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information, the reasons Monoline chooses to share, and whether you can limit this sharing. |
| Reasons we can share your personal information | Does Monoline share? | Can you limit this sharing? |
| For our everyday business purposes - such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus | Yes | No |
| For our marketing purposes - to offer our products and services to you | No | We don't share |
| For joint marketing with other financial companies | No | We don't share |
| For our affiliates’ everyday business purposes - information about your transactions and experiences | No | We don't share |
| For our affiliates’ everyday business purposes - information about your creditworthiness | No | We don't share |
| For nonaffiliates to market to you | No | We don't share |
| To limit our sharing | To exercise your right to limit sharing call 1-612-470-1328. Please note: If you are a new consumer or customer, we can begin sharing your information immediately from the date we provided this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing. |
| Questions? | Call 1-612-470-1328 or email us at support@monoline.com. |
| Who we are | |
| Who is providing this notice? | Monoline, Inc. |
| What we do | |
| How does Monoline protect my personal information? | To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. |
| How does Monoline collect my personal information? | We collect your personal information, for example, when you:
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| Why can’t I limit all sharing? | Federal law gives you the right to limit only:
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| What happens when I limit sharing for an account I hold jointly with someone else? | Your choices will apply to everyone on your account. |
| Definitions | |
| Affiliates | Monoline has no affiliates. |
| Nonaffiliates | Companies not related by common ownership or control. They can be financial and nonfinancial companies. |
| Joint marketing | A formal agreement between nonaffiliated financial companies that together market financial products or services to you. |
| Other important information | |
| Nevada: If you are a consumer with a Nevada mailing address, and you prefer not to receive marketing calls from us, you may be placed on our internal Do Not Call List by contacting us at 1-612-470-1328 or support@monoline.com. You may also contact the Nevada Attorney General's office: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; telephone number: 1-702-486-3132; email BCPINFO@ag.state.nv.us or AgInfo@ag.nv.gov. Vermont: If you are a consumer with a Vermont mailing address, we will not share information we collect about you with companies outside of Monoline, unless the law allows. For example, we may share information with your consent, to service your accounts or under joint marketing agreements with other financial institutions with which we have joint marketing agreements. We will not share information about your creditworthiness within our corporate family except with your consent, but we may share information about our transactions or experiences with you within our corporate family without your consent. California: If you are a consumer with a California mailing address, we will not share information we collect about you with companies outside of Monoline, unless the law allows. For example, we may share information with your consent, to service your accounts, or to provide rewards or benefits to which you are entitled. |
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