Privacy Policy

“Personal Information” means any information that may be used to identify an individual or your account, including, but not limited to, first and last name, home or other physical address, email address and password, phone number, age information, social security number, tax identification number, policy and/or driving record information, credit information, and credit card or other payment information. We may ask you to provide Personal Information that will enable us to enhance your use of the Service, for purposes such as facilitating correspondence with you, registering your entitlement to access certain special features, or to complete transactions. It is always your choice whether or not to provide that Personal Information. If you choose not to provide requested Personal Information, you may not be able to use certain features of the Service.

Technical Information. We may collect and use technical data and related information—including but not limited to technical information about your device(s), system and application software, and peripherals—that is gathered periodically to facilitate the provision of software updates, product support, and other services to you (if any) related to the Service. We may also automatically receive and record information on our server logs from your browser, which could include your IP address, cookie information, browser information, and the page you request. We do not deem this information to constitute Personal Information and while we will not use it in a way that associates such information with you, such information may be aggregated and used. Mr.Kumka owns this information and may use it in any manner it deems appropriate.

Location Based Information. You also acknowledge and agree that Mr.Kumka may collect location-based data from you through the Service (“Location Based Information”).

Except as otherwise set forth herein, or in any applicable Terms of Service, Personal Information and Location Based Information that you provide will be used to support your relationship with Mr.Kumka and our products and services or partners. Among other things, we want to help you quickly find information through our Service, leverage our tools in connection with your authorized use of our products and services, process payment, facilitate interaction with third party services, and alert you to product upgrades, special offers, updated information and other new products and services from Mr.Kumka.

Sharing of Personal Information

Mr.Kumka may share Personal Information or Location Based Information it collects about you to or with third parties. Personal Information and Location Based Information collected from you is commonly used to provide you with products and services and to comply with any requirements of law.

By submitting your e-mail address and/or phone number (as the case may be) via Mr.Kumka or our properties, you authorize us to use that e-mail address and phone number to contact you periodically, via e-mail, SMS text message, and manually-dialed and/or auto-dialed telephone calls, concerning (i) your insurance-related or quote requests, (ii) any administrative issue regarding our services and/or (iii) information or offers that we feel may be of interest to you. We may also send e-mails to you periodically regarding updated quotes or offerings. You may opt out of receiving e-mails from us at any time by unsubscribing as set forth in the applicable e-mail. Additionally, by filling out information on Mr.Kumka as part of your request for information about insurance policies and quotations, you authorize us to provide that information to various insurance companies, insurance agents and other related third parties that participate in our network. Some insurance companies or third parties may then provide your personal information to their insurance carriers, suppliers and other related vendors in order to generate price quotations and information relevant to insurance policies that you have requested. These third parties may use the contact information (including telephone number(s)) you have provided to contact you directly with quotations by means of telephone (manually or auto-dialed), fax, email and postal mail, even if you have registered your phone number(s) on local and/or national no-call lists. You further acknowledge and agree that each third-party that receives your quote request from this website or from our affiliates may confirm your information through the use of a consumer report, which may include among other things, your driving record and/or credit score. For purposes of faxing, it is understood that insurance companies or third parties have an established business relationship with each user of this website, if required to comply with the then current law

Agents or contractors of Mr.Kumka may have access to your Personal Information and Location Based Information on a need-to-know basis for the purpose of performing services on behalf of Mr.Kumka. All such agents or contractors who have access to such information are asked to keep the information confidential and not use it for any other purpose than to carry out the services they are performing or as otherwise required by law.

We may also share certain Personal Information or Location Based Information with institutions providing possible product offerings to you based on the information you submit through the Website (e.g. financial institutions and/or insurance companies), and/or certain Mr.Kumka vendors in order to allow them to use that information to obtain and provide us with additional information about you, and/or product offerings that might be of interest to you.

Mr.Kumka or its agents or contractors may disclose Personal Information or Location Based Information if required to do so by law or in the good faith belief that such action is necessary to: (1) conform to the edicts of the law or comply with legal process; (2) protect and defend the rights or property of Mr.Kumka or its agents or contractors; or (3) act in urgent circumstances to protect the personal safety of users of the Service or the public.

Finally, if Mr.Kumka should ever merge with another organization, file for bankruptcy, or sell our assets, we may transfer the information you provide to us on through the Service to a third party or share your Personal Information to the company with which we enter into such transaction as a part of such transaction.

Security of Your Information

We maintain physical, electronic, and procedural safeguards designed to protect Personal Information, and our systems are designed to protect Personal Information from unauthorized usage on shared computers in that users are required to log in through our applications. Despite the actions and precautions we take, however, no data transmissions over the Internet can be guaranteed to be 100% secure. Consequently, we cannot ensure or warrant the security of your Personal Information and you transmit it to us at your own risk.

Please keep in mind that whenever you voluntarily disclose Personal Information through public facing aspects of the Service, through e-mail, or in chat areas, that information can be collected and used by others. In short, by posting Personal Information online that is publicly accessible, you may receive unsolicited messages from other parties in return. We are not responsible for the security or privacy of any Personal Information you choose to submit in connection with these public features.

We may send an email to you at the email address you have provided to us in the event of a security breach. Depending on where you live, you may have a legal right to receive notice of a security breach in writing.

Third-Party Websites, Services and Applications

Please be aware that other websites and services, including the websites of third parties that you connect with through our Website or Service, may collect personally identifiable information about you. This Privacy Policy does not cover the information practices of those third-party websites, services or applications.

Additionally, certain Personal Information may be made available to third parties using our Application Programming Interface (“API”). Use of third party applications developed using our API are subject to the terms of use and privacy policies of such third party developers. You should be aware that such third party applications may expose user information.

We may use third-party services such as Google Analytics to help us understand how users use the Service and improve the ways in which we interact with users, including the refinement of interest-based ads displayed to users. Such services, including Google Analytics, may collect information about your use of the Service through cookies, advertising identifiers and other technologies. The collection and use of data by such third parties, including Google Analytics, is subject to their privacy policies.

Remarketing and Retargeting

Mr.Kumka uses third-party remarketing services (such as Google AdWords & Facebook) to advertise on third-party websites to previous visitors of MrKumka.com. It could mean that we advertise to previous visitors who haven’t completed a task on our site, for example using the contact form to make an enquiry. This could be in the form of an advertisement or posting on the Google search results page, Facebook, or various other websites within these networks or on the worldwide web. Third-party vendors use cookies, advertising identifiers and other technologies to serve ads based on someone’s past visits to the Mr.Kumka’s properties. Of course, any data collected will be used in accordance with our own privacy policy and the privacy policies of these third-party remarketing services. You can set preferences for how Google advertises to you by visiting the consumer opt-out page for the Self-Regulatory Principles for Online Behavioral Advertising at http://www.aboutads.info/choices/ and edit or opt-out your Google Display Network ads’ preferences at http://www.google.com/ads/preferences/. AdRoll preferences or settings can be adjusted at http://info.evidon.com/pub_info/573?v=1&nt=1&nw=false. For general or other consumer opt-out, please visit http://www.networkadvertising.org/choices.

We use Remarketing with Google Analytics, which allows us to display ads to you based upon your activities within the Service using cookies and advertising identifiers on your device. You may opt out of certain Google Analytics Advertising Features by visiting https://tools.google.com/dlpage/gaoptout/.