Last Revised: July 25, 2018
Please print or download a copy of this Agreement for your records after reading it.
Oyster Insurance, LLC (“Oyster,” “we,” “us,” or “our”) provides small and medium sized businesses with a simplified process to acquire and use business insurance. When we refer to ourselves as “Oyster,” “we,” “us,” or “our”, we mean our entire company, including any company that we own or control or any company owned or controlled by our parent corporation.
Scope and Application
Collection of Information
Information You Provide to Us
We collect information you provide directly to us, such as when you request a quote; apply for, purchase or modify coverage; create or modify your account; sign up for our newsletter or request information from us; contact customer support; respond to a survey; or otherwise communicate with us. This information may include your name, e-mail address, phone number, postal address, payment information and financial account numbers, business information, claims filed previously, survey responses, and other information you choose to provide to us.
Information We Collect through Your Use of our Online Services
Comments and Submissions
Oyster welcomes your comments. All comments, suggestions or other information sent by you to this Website will become Oyster’s property, and you agree that all intellectual property rights therein are transferred to Oyster. You understand that any postings to publicly available portions of the Oyster Website are non-confidential for all purposes.
Important Information about Mobile Platform Permissions
Information We Collect from Other Sources
We may also receive information from other sources and combine it with information we collect from you. For example, we may obtain information about you from any insurers that issue you a policy or from commercially available sources such as data aggregators and public databases. This information may include your name, demographic information, interests and publicly-observed data (such as from social media and shopping behavior), credit information, and information about your business.
Use of Information
In addition to the purposes identified above, any information we collect may also be used for analytics purposes (e.g., evaluating website usage patterns and advertisement interactions) so that we can gauge the effectiveness of our programs and advertisements, and improve the usefulness of information presented to visitors.
Sharing of Information
Information Shared by Us
Service Providers – In the course of doing business, we employ other companies and individuals to perform a variety of functions on our behalf. For example, we may provide the information we collect from and about you (and your device) to companies that host our online services or send communications on our behalf. These service providers may have access to information about you if it is needed to perform their functions for us, but they are not authorized by us to use or disclose the information except as necessary to perform services on our behalf or to comply with legal requirements, and they are required to maintain the information in confidence.
Promotions – We will share the information we collect from and about you (and your device) with third parties as necessary to provide you with a product or service you requested through a partnership or promotional offering made by a third party or us.
If Legally Required – We reserve the right to disclose information we collect from and about you (and your device) if required to do so by law or by a regulatory authority. We may also disclose your information as part of an investigation or enforcement action relating to improper or illegal conduct in connection with our online services or other products, including, without limitation, any situations that may potentially involve threats to the safety or privacy of any person or misuse of our online services.
Aggregated and Non-Identified Data
Analytics and Advertising Services Provided by Others
Statement on Cookies and Similar Technologies
Overview of Cookies and Similar Technologies
“Cookies” are small text files that are stored on your browser or device by websites, apps, online media and advertisements. There are different types of cookies. Cookies served by the entity that operates the website or app you are visiting or using are called “first party cookies” (so cookies served by Oyster while you are using our online services are first party cookies). Cookies served by companies that are not operating the website or app you are visiting or using are called “third party cookies” (so, we may allow an analytics partner to set a cookie on your computer via our online services while you visit our online services, and that would be a third party cookie). Cookies may also endure for different periods of time. “Session cookies” only last only as long as your browser or app is open. These are deleted automatically once you close your browser or app. Other cookies are “persistent cookies” meaning that they survive after your browser or app is closed (for example, they may recognize your computer when you reopen our online services).
“Pixel tags” (also called web beacons, clear GIFs or action tags) are small blocks of code installed on (or called by) a webpage, app or advertisement which can retrieve certain information about your device and browser, including device type, operating system, browser type and version, website visited, time of visit, referring website, IP address, and other similar information (including the small text file (the cookie) that uniquely identifies the device). Pixel tags can also be used to monitor the way in which visitors interact with websites, electronic communications and the content thereon/in. Pixels also provide the means by which third-party partners set and read browser cookies from a domain that they do not themselves operate and collect information about visitors to that domain, typically with the permission of the domain owner. “Software Development Kits” (also called SDKs) function like pixels and cookies, but operate in the mobile app context where pixels and cookies cannot always function. The primary app developer can install pieces of code (the SDK) from partners in the app, and thereby allow the partner to collect certain information about user interaction with the app and information about the user device and network information.
“Local storage” refers generally to other places on a browser or device where information can be stored by websites, ads, or third parties (such as HTML5 local storage and browser cache).
“Log file information” (also called “server logs”) refers to information that is automatically reported by your browser each time you access a website, including your web request, IP address, browser type, referring/exit pages and URLs, number of clicks, domain names, landing pages, pages viewed, language and other such information.
Types and Purposes of Cookies and Similar Technologies
These cookies and similar technologies receive and track certain data about your device (such as your device type, operating system, device IP address, mobile network carrier, and anonymous device and advertising identifiers) and interaction with our online services, communications and advertisements (such as access dates and times, features or pages viewed, advertisements and ad features viewed, and approximate location based on your IP address). The following table sets out the different categories of cookies and similar technologies that our online services, electronic communication, and advertisements use and why we use them.
Operationally Necessary – These cookies and similar technologies are necessary to the operation of our online services. This includes technologies that (i) allow you access to our online services, (ii) are required to identify irregular online service behavior, prevent fraudulent activity and improve security, or (iii) that allow you to make use of our functions.
Functionality – These first- and third-party cookies and similar technologies allow us to offer you enhanced functionality when accessing or using our online services. This may include identifying you when you sign into our services or keeping track of your specified preferences, interests, or past items viewed or utilized so that we may enhance the presentation of content on our online services.
Performance, Analytics and Research – These first- and third-party cookies and similar technologies allow us to assess, improve and research the performance and use of our online services, and to better understand the interests of people who interact with our online services and ads. This includes our analytics activities that help us understand how our visitors use our online services, determine if you have interacted with our communications and ads, determine whether you have viewed an item or link, or to improve our online services content.
Advertising and Targeting – These first- and third-party cookies and similar technologies are used to deliver relevant ads, and track ad campaign performance and efficiency.
Similarly, our partners may use a cookie or other technology to determine whether we have served an ad and how it performed, or to provide us with information about how you interact with them. One way we do so is by allowing network advertising companies with whom we work to place their own cookies when an individual visits our online services. This enables the network advertising company to recognize individuals who have previously visited our services. When the individual visits a third-party website on which that network advertising company has purchased ad space, the advertising company can then recognize the individual’s interest in our products and services and deliver one of our advertisements.
For example, some of our online services use two Google Analytics Advertising Display Features, which collect information through cookies and similar technologies: Remarketing with Google Analytics and Demographics and Interests reporting. If you would like to opt-out of having your data used by these cookies, please use the Google Analytics opt-out available here: https://tools.google.com/dlpage/gaoptout/.
For more information about interest-based ads, or to opt out of having your web-browsing information used for targeting and behavioral advertising purposes by those network advertising companies that honor such requests, please visit: www.aboutads.info/choices.
Your Cookie Choices
Most web browsers are set to accept cookies by default. However, in addition to the specific opt-out mechanisms described above, you can typically choose to set your browser to remove or reject browser cookies. To do so, please follow the instructions provided by your browser which are usually located within the “Help” or “Preferences” menu. Removing or rejecting browser cookies does not necessarily affect third-party Flash cookies (see “local storage” above) which may be used by us or our partners in connection with our online services. To delete or disable Flash cookies, please visit this site for more information.
If you would like to prohibit us and our approved partners from using cookies and other identification technologies on our mobile applications for purposes of serving interest-based advertisements and targeting, please follow these steps:
- iOS Users: (1) Launch “Settings”; (2) Tap on “Privacy” and scroll down and tap on “Advertising”; (3) Toggle on “Limit Ad Tracking”. You can also reset your Advertising Identifier from here by tapping “Reset Advertising Identifier”.
- Android Users: (1) Open your app drawer and launch the Google Setting app; (2) Tap “Ads” under Services and enable the “Opt out of interest-based ads” option. You can also reset your advertising ID from here by tapping “Reset advertising ID”.
For further information about cookies and similar technologies, including how to see what cookies have been set on your device and how to manage and delete them, you can visit www.allaboutcookies.org.
Web Browser Do Not Track (DNT) Headers
Some web browsers may transmit “do-not-track” signals to websites with which the browser communicates. Our online services do not currently respond to these “do-not-track” signals.
Oyster and our third party providers use physical, technical and administrative security measures, consistent with industry practice. Such measures are reasonably designed to protect information we collect from and about you (and your device) from loss, unauthorized access, disclosure, alteration or destruction. We may use encryption, password protection, secure socket layers, internal restrictions and other security measures to help prevent unauthorized access to the information we collect from and about you. However, any information you provide to us is at your own risk. We cannot guarantee that such information will not be lost, accessed without authorization, disclosed, altered, or destroyed.
Our online services are not intended for or designed to attract children under the age of 13. Moreover, we do not knowingly collect any personally-identifiable information from anyone under the age of 18 without the consent of a parent or guardian, and you must be 18 years of age or older to submit any information to us.
We are committed to respecting your right to access and correct your information. You can contact us using the information provided in the Contact Us section and we will be happy to assist you with your request.
You may also “opt-out” of receiving marketing e-mails and other marketing communications from us by using the unsubscribe feature included in the e-mails we send.
Please refer to our Statement on Cookies and Similar Technologies for more information about your choices regarding cookies and similar technologies.
Arizona Residents Only
If you submit a written request to access your personal information recorded by us, we will (1) respond within 30 business days informing you of the nature and substance of your recorded personal information (if any); (2) permit you to copy such recorded personal information in person or have a copy mailed to you (subject to a reasonable fee); (3) disclose the identity of any recorded third parties to whom we have disclosed your personal information to within the last 2 years; and (4) provide instructions on how you may request correction, amendment, or deletion of your recorded personal information.
If you request correction, amendment, or deletion of your recorded personal information, we will (1) correct, amend, or delete the portion of your recorded personal information in dispute within 30 business days and notify you (and any applicable third parties) of such correction, amendment, or deletion; or (2) if we refuse to make the requested correction, amendment, or deletion, notify you within 30 business days of the reason(s) for such refusal and your right to file a concise statement describing what you think is the correct information and the reasons why you disagree with our refusal. If you file such a statement, we will either honor your request (if we agree with you) or provide notice to any third parties that review your disputed personal information of your statement.
Policies are underwritten and issued by member companies and affiliates of Oyster Insurance, LLC. Property & Casualty business is underwritten by Lancer Indemnity Company. Lancer maintains reinsurance coverage with General Reinsurance Corporation, a Berkshire Hathaway company that is rated A++ by A.M. Best.
© 2018 Oyster Insurance, LLC. and © Oyster Insurance Services, LLC. All Rights Reserved.