Privacy Policy

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:


Information we obtain from third parties


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:


We use the following tools for automatic data collection:


How We Use Your Personal Information


To operate our Services


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


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:
  • Government-issued ID
  • Income information
  • Credit history
  • Insurance claim history
  • Employment information
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:
  • apply for insurance through a broker,
  • communicate with us
  • otherwise use the services we offer.
We also collect your personal information from others, such as banks, credit agencies and other third-party data aggregators.
Why can’t I limit all sharing? Federal law gives you the right to limit only:
  • sharing for affiliates’ everyday business purposes - information about your credit worthiness,
  • affiliates from using your information to market to you, and
  • sharing for nonaffiliates to market to you.
State laws and individual companies may give you additional rights to limit sharing.
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.