# finacialguide

## Privacy Policy And Cookies

Effective Date: 09/23/20

Thank you for using the website located at https://finacialguide.site/rob-qs-01/ (the: "Website" or "Site"). through which we offer various applications, widgets, email notifications and other services (“Services”). "OLM" d.o.o. Sarajevo. (“"OLM" d.o.o. Sarajevo.,” “we,” “our,” or “us”) has created this Privacy Policy to let you know what information we collect when you visit the Website, and how we use and share this information. We may periodically update the Privacy Policy, and so you should check back on this page from time to time.

### This Website and the Services are intended for U.S. residents only.

### Information We Collect and How We Use It

We help consumers shop for insurance, discounted health plans, and other products by connecting consumers with insurance companies, insurance agents, discount program representatives, and vendors who also help match consumers with insurance providers and other third parties (“Service Providers”). We collect your personally identifiable information, which means any information that can identify you as an individual, when you voluntarily provide this information, such as when you submit this information to the Website. The personally identifiable information we collect includes, but is not limited to, your first and last name, home address, telephone number, email address, date of birth, gender, income, and driver’s license information. We may also collect information about your driving history, the type of automobile you drive, your home ownership history, and certain health information such as whether you have been treated by a doctor for a major health condition.

We may use your personally identifiable information for any lawful purpose, including to deliver our products and services to you (including matching you with Service Providers); to display customized content and advertising; to conduct research and analysis; to ensure that the Website is functioning properly; to aid us in developing new services; to alert you to product updates, special offers, updated information, and other new services; to contact you in response to your requests for information; to send newsletters and other information to you; to provide you quotes from Service Providers who may contact you using the information you provide; and to obtain additional information needed from you.

We may also gather certain information automatically when you visit the Website. This information may include internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date and time of visit, internet tags, device type, clickstream data, and other activities on the Website. We may combine this automatically collected information with other information we collect about you. We do this to improve services we offer you, and to improve marketing, analytics, and Website functionality. We and our marketing partners, affiliates, and analytics and service providers use technologies such as cookies, beacons, tags, and scripts to collect this data. These technologies are used in analyzing trends, administering the Website, tracking users’ movements around the Website, and gathering demographic information about our user base as a whole. You can set your browser to reject cookies. If you reject cookies, you may still use the Website, but your ability to use some features or areas of our Site may be limited. Further, we may aggregate information we receive from you and from our other users, and we may use or disclose such aggregate information to third parties.

### Sharing of Personal Information

- Generally. When you provide personally identifiable information to us, we may share your information with Service Providers to provide you with the quotes you requested and for Service Providers to contact you for informational, advertising, and marketing purposes. Service Providers and other third parties with whom we may share your personally identifiable information may contact you with a quote by email, telephone, text message, postal mail, or other forms of communication. Further, these Service Providers and third parties may share your personally identifiable information and automatically collected data with other third parties, without restriction. Those third parties may also share your data with other third parties.
- With our Corporate Affiliates. We may share the information we collect on the Website with our subsidiaries, corporate affiliates, and related companies.
- Vendors and Suppliers. We may share the information we collect on the Website with our vendors and service providers for the purpose of verifying data and where such access is incidental to their providing us services, such as phone number verification services and email service providers.
- Protecting Our Legal Rights and Others’ Rights. In certain situations, we may be required to disclose personally identifiable information in response to lawful requests by public authorities, including law enforcement requests. We may also share your information to (a) satisfy any applicable law, regulation, legal process, or enforceable governmental request, (b) enforce our Terms of Use, including investigation of potential violations thereof, (c) detect, prevent, or otherwise address fraud, security, or technical issues, and (d) protect against imminent harm to the rights, property, or safety of us, our users, or the public as required or permitted by law.
- As Required by Law. We reserve the right to disclose your personally identifiable information as required by law or when we believe that disclosure is necessary to protect our rights or comply with a legal or judicial proceeding or court order.
- Merger or Sale of Company. If we should ever file for bankruptcy or have our assets sold to or merged with another entity, information that we receive from you through this Website may be treated as an asset of the Company and may be transferred to the fullest extent permitted by law.
- Promotions and Programs. From time to time, you may be given the opportunity to participate in sweepstakes, contests, giveaways, or other promotions and programs offered by us, either alone or with third parties. Participation in these promotions or programs may require you to submit additional personally identifiable information. Our use and sharing of your information, including personally identifiable information, collected through a promotion or program will be governed by the official rules or agreement governing that promotion or program, as well as by this Privacy Policy. The terms of those rules or that agreement will supersede any conflicting provisions of this Privacy Policy.

### Your Consent to Text Message and Telephone Marketing

By submitting your telephone number on the Website, you expressly authorize us and Service Providers and their agents and partner companies to contact you, at the telephone number you provide, with informational and marketing messages and telephone calls including those sent via automated telephone dialing system, text messages, SMS, MMS, picture messages, live and prerecorded telephone calls, including on landlines and wireless numbers, even if the phone number you provide is on a corporate, state, or national Do Not Call list. Your consent is not required to purchase goods or services. Message & data rates may apply. You may revoke your consent at any time by contacting us at: https://www.https://finacialguide.site/rob-qs-01//contact Or by writing to us at contactus@finacialguide.site.

### Third Party Sites

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, and therefore we have no responsibility or liability for their content and activities. Additionally, certain personally identifiable 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 share user information. Further, as explained more below, we may use third-party services such as Google Analytics to help us understand how users use the Website or Service and to 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 Website or Service through cookies, advertising identifiers, and other technologies. The collection and use of data by such third parties, including Google Analytics, are subject to their privacy policies.

### Your Choices

When you submit personally identifiable information to us, you agree to receive email, fax, telephone, text messages, and other forms of communications from or on behalf of us and third parties with whom we share your information. If you would like to opt-out of receiving promotional or marketing material from us in the future, please follow the opt-out instructions located at the bottom of each promotional or marketing email communication, or email us at contactus@finacialguide.site . Please note that even if you opt-out of receiving marketing messages from us, you may continue to receive messages concerning any transaction you make with us or comments or inquiries you submit to us.

If you would like to opt-out of having your information shared with third parties for their direct marketing purposes, you may write to us at contactus@finacialguide.site . If you do not wish to receive communications from any person or entity with whom we have shared your information for their marketing purposes, you must contact them directly.

For choices with respect to third-party interest-based advertising activities, please see the “Digital Advertising & Analytics” section below.

### Digital Advertising and Analytics

We may partner with ad networks and other ad serving providers (“Advertising Providers”) that serve ads on our behalf and others’ on non-affiliated platforms. Some of those ads may be personalized, meaning that they are intended to be relevant to you based on information Advertising Providers collect about your use of the websites and other websites or apps over time, including information about relationships among different browsers and devices. This type of advertising is known as interest-based advertising.

You may visit the DAA Webchoices tool at www.aboutads.info to learn more about this type of advertising and how to opt out of this advertising on websites by companies participating in the DAA self-regulatory program. If you delete your cookies or use a different browser or mobile device, you may need to renew your opt-out choices exercised through the DAA Webchoices tool. Note that electing to opt out will not stop advertising from appearing in your browser or applications. It may make the ads you see less relevant to your interests. Additionally, your browser may offer tools to limit the use of cookies or to delete cookies; however, if you use these tools, our Site may not function as intended.

We may also work with third parties that collect data about your use of the Site and other sites or apps over time for non-advertising purposes. We use Google Analytics and other third-party services to improve the performance of the Site and for analytics and marketing purposes. For more information about how Google Analytics collects and uses data when you use our Site, visit www.google.com/policies/privacy/partners, and to opt out of Google Analytics, visit tools.google.com/dlpage/gaoptout.

### Do Not Track Disclosures

Third parties such as advertising networks, analytics providers, and widget providers may collect information about your online activities over time and across different websites when you access or use our Service. Currently, various browsers offer a “Do Not Track” option, but there is no standard for how Do Not Track should work on commercial websites. Due to the lack of such standards, the Site does not respond to Do Not Track consumer browser settings.

### Changes and Updates

We may occasionally update this Privacy Policy. When we make changes, we will also post the “effective date” on the Privacy Policy. We encourage you to periodically review this Privacy Policy to stay informed about how we use and share the information we collect. Your continued use of our Site following any changes to this Privacy Policy will constitute your acceptance of such changes.

### Nevada Privacy Rights

Under Nevada law, Nevada residents may submit a request directing us not to make certain disclosures of personal information we maintain about them.
To exercise this right, please contact us:

- By email at contactus@finacialguide.site
- Online at https://www.https://finacialguide.site/rob-qs-01//contact

### Privacy Policy for California Residents

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This section contains disclosures required by the California Consumer Privacy Act (“CCPA”) and applies only to “personal information” that is subject to the CCPA.

Personal Information We Collect, Disclose for a Business Purpose, and Sell. In the past 12 months, we collected, disclosed for a business purpose, and sold the following categories of personal information about California consumers.

Categories of Sources. We collect this personal information from the following categories of sources:

- Consumers; and
- Service providers;

Why We Collect, Use, and Share California Personal Information. We use and disclose the personal information we collect for our commercial and business purposes, as further described in this Privacy Policy. These purposes include, without limitation:

- Our commercial purposes, including marketing, advertising, and enabling and promoting commercial transactions.
- Our business purposes as identified in the CCPA, which include:
  - Auditing related to our interactions with you;
  - Legal compliance;
  - Detecting and protecting against security incidents, fraud, and illegal activity;
  - Debugging;
  - Performing services (for us or our service providers) such as account servicing, processing orders and payments, and analytics;
  - Internal research for technological improvement;
  - Internal operations;
  - Activities to maintain and improve our services; and
  - Other one-time uses.

Third Parties Who Receive California Personal Information. We disclose the categories of personal information designated above to the categories of third parties listed below for business purposes:

- Service providers;
- Advertising networks;
- Internet service providers;
- Data analytics providers;
- Operating systems and platforms;
- Social networks; and
- Consumer data resellers

We sell the categories of personal information designated above to the categories of third parties listed below:

- Advertising/marketing companies;
- Advertising networks;
- Automotive companies;
- Business services/agencies;
- Business to business companies;
- Communication services companies;
- Marketing data companies;
- Data analytics providers;
- Operating systems and platforms;
- Consumer data resellers;
- Financial services companies;
- Home and automobile insurance companies;
- Lifestyle & interest product companies;
- Publishing product companies;
- Technology/computer software companies; and
- Telecommunications companies.

Your Rights Regarding Personal Information. California residents have certain rights with respect to the personal information collected by businesses. If you are a California resident, you may exercise the following rights regarding your personal information, subject to certain exceptions and limitations:

- The right to know the categories and specific pieces of personal information we collect, use, disclose, and sell about you, the categories of sources from which we collected your personal information, our purposes for collecting or selling your personal information, the categories of your personal information that we have either sold or disclosed for a business purpose, and the categories of third parties with which we have shared personal information;
- The right to request that we delete the personal information we have collected from you.
- The right to opt out of our sale(s) of your personal information. Please note that if you opt out of certain types of sales, we will be unable to provide you with the services that rely on such sales.
- The right not to receive discriminatory treatment by https://finacialguide.site/rob-qs-01/ for the exercise of the privacy rights conferred by the CCPA.

Minors under 16 Years of Age. We do not knowingly sell the personal information of minors under 16 years of age.

### Contact Us

If you have any questions, comments, or concerns about us or this Privacy Policy, please contact us via email at contactus@finacialguide.site.