If you are a resident of the state of California, this California Privacy Notice applies to you.

If you are a resident of a state other than California, click here to review the Privacy Policy that applies to you.

Effective Date: 11/20/2022 Last Updated on: 1/01/2024

1. Protecting Your Information

Bright Idea Insurance Solutions, Inc. (“BIIS”) has always made it a priority to protect your personal and privileged information. We do not sell your information. We limit access to your personal and privileged information to those persons who need to know it to perform their jobs and to provide service to you, and as required or permitted by law. We maintain physical and electronic safeguards to protect such information from unauthorized use or disclosure.

You may have additional concerns about the privacy and security of information collected through our website. We are committed to protecting the online privacy of visitors to our website. We maintain physical, electronic, and procedural safeguards to secure your personal information. However, "perfect security" does not exist on the internet, and there is always some risk in transmitting information electronically. As we deem appropriate, we use security measures consistent with industry standards, such as firewalls and encryption technology, to protect your information.

Our website may contain links to other websites. We do not control privacy practices or content of any of our business partners, advertisers, sponsors, or other websites we provide links to from our website. You should check the applicable privacy policy of the website sponsor when linking to other websites.

We protect information of our former customers in the same way as for our current customers.

2. Accessibility

We are committed to providing everyone with access to this privacy notice and to our products and services. If you have any difficulty reading this notice, you may call us toll free at 855-565-4600 so that we may assist you.

3. Categories of Personal Information We Collect

We may collect personal information that we believe is necessary to serve you effectively and to permit us to meet your needs. Information we collect includes information that identifies, relates to, describes, references, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with you or your device. We also may collect personal information from insurance agents (if applicable) who may use our protected and secure Internet based portal to administer policies.

In particular, we may have collected the following categories of personal information in the past twelve (12) months:

Category	Examples
A. Identifiers.	A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, e-mail address, Social Security number, driver's license number, and combinations or other similar identifiers.
B. Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)).	A real name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number, driver's license or state identification card number, insurance policy number, education, employment, employment history, legal violations, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information, prior claims and loss information. Some Personal information included in this category may overlap with other categories.
C. Protected classification characteristics under California or federal law.	Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information).
D. Biometric Information.	Genetic, physiological, behavioral, and biological characteristics, or activity patterns used to extract a template or other identifier or identifying information, such as, fingerprints, face prints, and voiceprints, iris or retina scans, keystroke, gait, or other physical patterns, and sleep, health, exercise data.
E. Internet or other similar network activity.	Browsing history, search history, information on your interaction with a website, application, or advertisement; IP address; the website from which you visited us; the type of browser software used; the website pages that you visit, and the date and duration of your visit to our website; cookies (See "9. Cookies" of this Privacy Notice for more detail); social media data.
F. Geolocation data.	Physical location or physical movement
G. Professional or employment-related information.	Current or past job history or performance evaluations.
H. Non-public education information.	Education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records.
I. Inferences drawn from other personal information.	Profile reflecting a person's preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.

Categories of Information Sources

We may obtain the categories of personal information listed above from several categories of sources.

• Directly from you, including from:
  • your insurance application;
  • your employment application;
  • correspondence and communications with you;
  • information about your transactions with us; and/or
  • information that you provide to us on our website.
• Indirectly from you, including from:
  • observing your activity on our website;
  • your insurance agent or broker (if applicable);
  • website usage (or traffic); and/or
  • employee benefit vendors (if applicable).
• Other Sources, including from:
  • consumer reporting agencies;
  • customer lists provided by other organizations and marketing data providers;
  • governmental agencies and insurance-support organizations;
  • insurance claims, which may include medical information; and/or
  • sources to administer employee related benefits and services.

4. Use of Personal Information

We may use, disclose or , or share (as these terms are defined under California law) personal information we obtain for one or more of the following purposes:

• To fulfill or satisfy the purpose for which you provided the information to us.
• To provide, support, personalize, and develop our website, products, and services.
• To create, maintain, customize, and secure your account with us.
• To process your requests, purchases, transactions, and payments and prevent transactional fraud.
• To provide you with support and to respond to your inquiries, including to investigate and address your concerns and monitor and improve our responses.
• To personalize your website experience.
• To deliver content, product, and service offerings relevant to your interests, including targeted offers and advertisements through our website, third-party sites, and via email or text message with your consent, where required by law
• To help maintain the safety, security, and integrity of our website, products and services, databases and other technology assets, and business.
• For testing, research, analysis, and product development, including to develop and improve our website, products, and services.
• To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations.
• As described to you when collecting your personal information or as otherwise set forth in the CCPA.
• To evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by us about our website users/consumers is among the assets transferred.
• To the extent that we collect protected classification information, we collect such information to comply with federal and state law and/or, to deliver employee benefits & services.
• To deliver employee related benefits & services for prospective, current, and past employees.

In addition, the information may also assist us with managing our business including but not limited to: maintaining business continuity plans, conducting internal audits, building actuarial and statistical models, fulfilling various legal requirements, and/or to perform obligations under an existing contract with you.

We will not collect additional categories of personal information or use the personal information we collected for materially different, unrelated, or incompatible purposes without providing you notice.

5. Sharing or Disclosing Personal Information

We may share or disclose information with the following categories of third parties:

Government, Regulatory, Law Enforcement, Legal Professionals
This category includes industry regulators, law enforcement agencies or other governmental authorities; attorneys or other authorized persons in connection with matters in litigation, as required by subpoenas and court rules and orders; anti-fraud organizations; our attorneys, accountants, and auditors; and such other parties as are specifically permitted or required by law.

Service Providers & Other Parties
This category includes third parties that assist us in processing transactions authorized by you and third parties that support our ability to provide services to you; third parties with which we have joint marketing agreements in order to market our products; and third parties that help us conduct research and analyze data to improve our products and services.

Employee Related Services
This category includes third parties that assist us to conduct various activities related to prospective, current and past employees including background checks, and administration of various employee and employee related services and benefits.

6. Categories of Personal Information Disclosed for a Business Purpose

In the past twelve (12) months, we may have disclosed one or more data types in the following categories of Personal Information for a business purpose:

CATEGORY OF PERSONAL INFORMATION	DISCLOSED TO
A. Identifiers.	Government, Regulatory, Law Enforcement, Legal Professionals; Service Providers & Other Parties; Employee Related Services.
B. Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)).	Government, Regulatory, Law Enforcement, Legal Professionals; Service Providers & Other Parties; Employee Related Services.
C. Protected classification characteristics under California or federal law.	Government, Regulatory, Law Enforcement, Legal Professionals; Employee Related Services.
D. Biometric Information.	Government, Regulatory, Law Enforcement, Legal Professionals; Service Providers & Other Parties; Employee Related Services;
E. Internet or other similar network activity.	Government, Regulatory, Law Enforcement, Legal Professionals; Service Providers & Other Parties; Employee Related Services;
F. Geolocation data.	Government, Regulatory, Law Enforcement, Legal Professionals; Service Providers & Other Parties; Employee Related Services;
G. Professional or employment-related information.	Government, Regulatory, Law Enforcement, Legal Professionals; Service Providers & Other Parties; Employee Related Services;
H. Non-public education information.	Government, Regulatory, Law Enforcement, Legal Professionals; Service Providers & Other Parties; Employee Related Services;
I. Inferences drawn from other personal information.	Government, Regulatory, Law Enforcement, Legal Professionals; Service Providers & Other Parties; Employee Related Services;

Note: For details of each Category, refer to Section 3 of this Notice.

7. Categories of Personal Information Shared

In the past twelve (12) months, we may have shared one or more data types in the following categories of Personal Information with Service Providers & Other Parties:

• Identifiers;
• Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e));
• Protected classification characteristics under California or federal law;
• Internet or other similar network activity;
• Geolocation data;
• Professional or employment-related information;
• Non-public education information; and/or
• Inferences drawn from other personal information.

8. Sale of Personal Information

WE DO NOT SELL PERSONAL INFORMATION, INCLUDING THOSE OF MINORS UNDER THE AGE OF 16, TO THIRD PARTIES.

9. Categories of Sensitive Personal Information Collected

Under California law, certain categories of personal information are considered “sensitive personal information, ” including the following:

CATEGORY	EXAMPLES
A. Government Identifiers.	Social security, driver’s license, state identification card, or passport number.
B. Account and financial. Customer Records statute (Cal. Civ. Code § 1798.80(e)).	Account log-in, financial account, debit card, or credit card number in combination with any required security or access code, password, or credentials allowing access to an account.
C. Precise geolocation.	Data that is derived from a device and that is used or intended to be used to locate a consumer within a geographic area that is equal to or less than the area of a circle with a radius of one thousand, eight hundred and fifty (1,850) feet, except as prescribed by regulations.
D. Racial or ethnic origin.	Race or ethnicity.
E. Citizenship or immigration status.	Citizenship or immigration status.
F. Religious or philosophical beliefs.	Religious or philosophical affiliations.
G. Genetic data.	Genetic data related to medical or genealogical makeup.
H. Communications.	The contents of a mail, email and text messages, unless the business is the intended recipient of the communication.
I. Health, sex life, or sexual orientation information.	Personal information collected and analyzed concerning a consumer’s health; or personal information collected and analyzed concerning a consumer’s sex life or sexual orientation.
J. Biometric.	The processing of biometric information for the purpose of uniquely identifying a consumer.

We may collect personal information that we believe is necessary to serve you effectively and to permit us to meet your needs.>

Categories of Sensitive Information Sources

We may obtain the categories of sensitive personal information listed above from several categories of sources.

• Directly from you including from: your insurance application, your employment application, correspondence and communications with you, information about your transactions with us and/or information that you provide to us on our website.
• Indirectly from you, including from: observing your activity on our website, your insurance agent or broker (if applicable), website usage (or traffic) and/or employee benefit vendors (if applicable).
• Other Sources, including from: consumer reporting agencies, customer lists provided by other organizations and marketing data providers, governmental agencies and insurance-support organizations, insurance claims, which may include medical information; and/or sources to administer employee related benefits and services.

10. Use of Sensitive Personal Information

We may use and/or disclose sensitive personal information we obtain for one or more of the following purposes:

• To fulfill or satisfy the purpose for which you provided the information to us.
• To provide, support, personalize, and develop our website, products, and services.
• To create, maintain, customize, and secure your account with us.
• To process your requests, purchases, transactions, and payments and prevent transactional fraud.
• To provide you with support and to respond to your inquiries, including to investigate and address your concerns and monitor and improve our responses.
• To personalize your website experience.
• To help maintain the safety, security, and integrity of our website, products and services, databases and other technology assets, and business.
• For testing, research, analysis, and product development, including to develop and improve our website, products, and services.
• To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations.
• As described to you when collecting your personal information or as otherwise set forth in the CCPA.
• To evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by us about our website users/consumers is among the assets transferred.
• To the extent that we collect protected classification information, we collect such information to comply with federal and state law and/or, to deliver employee benefits & services.
• To deliver employee related benefits & services for prospective, current, and past employees.

In addition, the information may also assist us with managing our business including but not limited to: maintaining business continuity plans, conducting internal audits, building actuarial and statistical models, fulfilling various legal requirements, and/or or to perform obligations under an existing contract with you.

We will not collect additional categories of personal information or use the personal information we collected for materially different, unrelated, or incompatible purposes without providing you notice.

11. Sharing Sensitive Personal Information

WE DO NOT SHARE SENSITIVE PERSONAL INFORMATION, INCLUDING THOSE OF MINORS UNDER THE AGE OF 16, TO THIRD PARTIES.

12. Sale of Sensitive Personal Information

WE DO NOT SELL SENSITIVE PERSONAL INFORMATION, INCLUDING THOSE OF MINORS UNDER THE AGE OF 16, TO THIRD PARTIES.

13. Your Rights Under California Law

California law grants you specific rights regarding your personal information including the “Right To Know,” “Right to Access,” “Right to Deletion,” “Right To Opt-Out,” “Right to Correct,” “Right to Limit Use,” and “Right To Non-Discrimination”. This section describes your rights and explains how you may exercise those rights.

Right To Know

You have the right to know of the categories of personal information we collect, and the purposes for which the categories of personal information are used and shared with third parties, including to whom the personal information was shared. You also have a right to know the categories of personal information that we have disclosed about you to another party for a business purpose, including the categories of persons to whom the personal information was disclosed.

Right to Access

You have the right to request that we disclose certain information to you about our collection and use of your personal information over the past 12 months or other period specified by law. For requests beyond the 12-month period, we will provide such information unless doing so proves impossible or would involve a disproportionate effort. Once we receive and confirm a Verifiable Consumer Request, from you we will disclose to you:

• the categories of personal information we have collected about you,
• the categories of sources from which the personal information was collected,
• the business or commercial purpose(s) for which we collect or share your personal information,
• the categories of third parties to whom we disclosed your personal information, and
• the specific pieces of personal information we collected about you.

Right to Deletion (aka Right To Be Forgotten)

You have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions. Once we receive and confirm a Verifiable Consumer Request from you, we will delete (and direct our service providers to delete) your personal information from our records, unless an exception applies.

Right To Opt Out

You have the right to opt-out of permitting us to share your personal information with third parties. If you opt-out, we will cease sharing your personal information with third parties, unless an exception applies. We do not share personal information for those consumers under the age of 16 without prior consent. California law also requires businesses that sell personal information to third parties to provide consumers with the right to opt-out of that business selling their personal information to third parties. We do not sell personal information, including those of minors under the age of 16, to third parties.

Right To Correct

You have the right to request that we correct any inaccurate personal information that we have about you, taking into account the nature of the personal information and the purposes of the processing of the personal Information. Once we receive and confirm a Verifiable Consumer Request from you, we will use commercially reasonable efforts to correct inaccurate personal information as directed by you.

Right to Limit Use

You have the right to request that we: (1) limit our use of your sensitive personal information to that use which is necessary to perform the services or provide the goods reasonably expected by an average consumer who requests such goods or services; (2) use your sensitive personal information for certain limited business purposes defined by law; or (3) as otherwise authorize by law. We do not use your sensitive personal information other than for the limited purposes of performing necessary services for you or as otherwise permitted and authorized by law.

Right to Non-Discrimination

You have the right non-discrimination or retaliation by us as further described in Section 10 of this Policy.

14.Verifiable Consumer Requests

If you would like to request additional information on the personal information we collect about you or if you would like to request that we delete all applicable personal information about you, please submit a Verifiable Consumer Request through one of the following contact options:

• Calling 855-565-4600
• E-mail request to ccparequest@getbrightidea.com
• Writing BRIGHT IDEA INSURANCE SOLUTIONS, Attention: Policy Services Department 2060 Otay Lakes Road Suite 100 Chula Vista, CA 91913
• Click here to submit a Verifiable Consumer Request

Only you, or someone legally authorized to act on your behalf, may make a verifiable consumer request related to your personal information. Upon receiving a request, we are required to verify your identity before granting your right to access or delete personal information about you. You may also submit a Verifiable Consumer Request on behalf of your minor child.

You may only submit a Verifiable Consumer Request for access or data portability twice within a 12-month period. The Verifiable Consumer Request must:

The Verifiable Consumer Request must:

1. Provide sufficient information that allows us to reasonably verify you are the person about whom wecollected personal information or an authorized representative. We will verify your request by matching the information you provide to us with information we have about you. We will request the following information from you: Full Name, Mailing Address, and telephone number. You may but are not required to include Email, Policy Number (if applicable), and Claim Number (if applicable) with your Verifiable Consumer Request.
2. Describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to your request.

WE CANNOT RESPOND TO YOUR REQUEST OR PROVIDE YOU WITH PERSONAL INFORMATION IF WE ARE UNABLE TO VERIFY YOUR IDENTITY OR AUTHORITY TO MAKE THE REQUEST AND CONFIRM THE PERSONAL INFORMATION RELATES TO YOU.

You have the right to receive a response within 30 business days of submitting a Verifiable Consumer Request.

If we deny your request, you have the right to file a statement regarding what you believe to be accurate and fair information and why you disagree with our refusal.

You are not required to create an account with us before submitting a Verifiable Consumer Request.

We will only use personal information provided in a Verifiable Consumer Request to verify the requestor's identity or authority to make the request.

We do not charge a fee to process or respond to Verifiable Consumer Requests unless it is excessive, repetitive, or manifestly unfounded. If we determine that a request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.

If you wish to submit a request through an authorized agent, we require the following before we can process the request:

• A copy of your signed permission authorizing the agent to make the request;
• That you verify your identity directly with us; or
• Direct confirmation from you that you authorize the agent to make the request

If your authorized agent has a valid power of attorney under California Probate Code sections 4000 to 4465, we may request proof of the power of attorney. We may deny a request from an agent that does not submit proof you authorized them to act on your behalf.

15. Non-Discrimination

We do not discriminate against you for exercising any of your CCPA rights. Unless otherwise permitted by California law, we will not:

1. Deny you goods or services for which you are eligible.
2. Charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties.
3. Provide you a different level or quality of goods or services.
4. Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.
5. Retaliate against an employee, applicant for employment, or independent contractor, for exercising their rights.

However, we may offer you certain financial incentives permitted by the CCPA that can result in different prices, rates, or quality levels. Any CCPA-permitted financial incentive we offer will reasonably relate to your personal information's value and contain written terms that describe the program's material aspects. Participation in a financial incentive program requires your prior opt in consent, which you may revoke at any time. We do not currently provide any financial incentives to consumers.

16. Cookies

We use "cookies" to enhance your access to our website. A cookie is a small amount of data that is sent to your browser from a web server and stored on the hard drive of your computer or mobile communications device. We use cookies to store information and personalize your experience with our website. For example, cookies allow our website to recognize you as a previous visitor, and thus save and remember any preferences that may have been set while you were previously browsing our website. You do have some control over cookies. Many browsers can be set to notify you when a cookie is being placed on your computer. Many browsers can also be set to refuse to accept cookies, although this may affect your internet experience. You can also erase cookies that are already on your computer. For more information about working with cookies, you should consult your user manual, FAQ, or "help" function of your specific browser and operating system software.

We use cookies to perform statistical analysis, authenticate user sessions, and improve and customize our services by analyzing your browsing habits.

17. Do Not Track

Some browsers have “do not track” features that allow you to tell a website not to track you. These features are not all uniform. We do not currently respond to those signals. Instead, we collect, use, and share information as described in this Privacy Notice regardless of a “do not track” choice.

18. Other California Privacy Rights

California's "Shine the Light" law (Civil Code Section § 1798.83) permits users of our website who are California residents to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. )

19. Contact Information

If you have any questions or comments about this notice, the ways in which we collect and use your information described here, your choices and rights regarding such use, or wish to exercise your rights under California law, please do not hesitate to contact us at:

• Calling 855-565-4600
• E-mail request to ccparequest@getbrightidea.com
• Writing BRIGHT IDEA INSURANCE SOLUTIONS, Attention: Policy Services Department 2060 Otay Lakes Road Suite 100 Chula Vista, CA 91913

20. Changes to this Privacy Notice

We reserve the right to amend this privacy notice at our discretion and at any time. When we make changes to this notice, we will post the updated notice on this website page and update the notice's review and effective dates respectively.

Your continued use of our website following the posting of changes constitutes your acceptance of such changes.

BIIS is authorized to solicit, produce, and place insurance in California for insurance companies, including insurance affiliates, from which it has received appointments.

1. General Terms and Conditions

Bright Idea Insurance Solutions, Inc. (“Company”) solicits, produces, and places insurance and other services with affiliated insurance companies and unaffiliated insurance companies and intermediaries.

2. Acceptance of the Terms

Your use of the Company’s digital property including its websites, web pages, desktop and mobile applications, and Online Services (collectively Company’s “Website”) is governed by and subject to these Terms and Conditions. BY USING THE SERVICES MADE AVAILABLE ON THIS WEBSITE YOU ARE INDICATING YOUR AGREEMENT TO BE BOUND BY ALL OF THESE TERMS AND CONDITIONS.

Your use of the Online Services portion of this Website is also subject to the Online Services Terms and Conditions appearing below. The term "Terms and Conditions" as used herein includes both the General Terms and Conditions and the Online Services Terms and Conditions.

This Website presents information and content that is owned or licensed by the Company. When used in these Terms and Conditions, "we", "our" and "us" mean the Company.

When you download or install Company digital property, you may be required to agree to one or more End-User License Agreements (or “EULAs”) which may include additional terms. You will be bound by any EULA to which you agree terms.

3. Changes

The content on this Website and these Terms and Conditions, are subject to change or updating by the Company at any time without prior notice. The changes may include superseding terms and conditions or specific notices. YOU SHOULD REVIEW THESE TERMS AND CONDITIONS FROM TIME TO TIME TO BE AWARE OF ANY CHANGES THAT ARE MADE. YOUR CONTINUING USE OF THIS WEBSITE CONSTITUTES YOUR ACCEPTANCE OF ANY CHANGE OR UPDATE, ALL OF WHICH SHALL BECOME CONTROLLING WHEN POSTED.

4. Use of Site By Non-U.S. Persons

The Company makes no claims that the content on this Website is appropriate or may be downloaded outside of the United States. Access to the content may not be legal by certain persons or in certain countries. If you access the site from outside the United States, you do so at your own risk and are responsible for compliance with the laws of your jurisdiction.

5. Privacy Policy

Your personal information that we may collect is subject to our Privacy Policy (applies to non-California residents only) or the California Privacy Notice (applies to California residents only) which are incorporated into these Terms and Conditions by reference.

6. Prohibited Uses

You may use the Website only for lawful purposes and in accordance with these Terms and Conditions. You agree not to use the Website: in any way that violates any applicable federal, state, local, or international law or regulation (including, without limitation, any laws regarding the export of data or software to and from the US or other countries); to transmit, or procure the sending of, any advertising or promotional material [without our prior written consent], including any "junk mail," "chain letter," "spam," or any other similar solicitation; to impersonate or attempt to impersonate the Company, a Company employee, another user, or any other person or entity (including, without limitation, by using email addresses [or screen names] associated with any of the foregoing); to engage in any other conduct that restricts or inhibits anyone's use or enjoyment of the Website, or which, as determined by us, may harm the Company or users of the Website, or expose them to liability.

In addition, you agree not to: use the Website in any manner that could disable, overburden, damage, or impair the site or interfere with any other party's use of the Website, including their ability to engage in real time activities through the Website; use any robot, spider, or other automatic device, process, or means to access the Website for any purpose, including monitoring or copying any of the material on the Website; use any manual process to monitor or copy any of the material on the Website, or for any other purpose not expressly authorized in these Terms and Conditions, without our prior written consent; use any device, software, or routine that interferes with the proper working of the Website; introduce any viruses, Trojan horses, worms, logic bombs, or other material that is malicious or technologically harmful; attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of the Website, the server on which the Website is stored, or any server, computer, or database connected to the Website; otherwise attempt to interfere with the proper working of the Website.

7. Financial Decisions

As with all financial matters, you should exercise great care in using the information provided on this Website or available through links from this Website. Nothing on this Website should be construed as rendering tax, legal, investment, or accounting advice.

8. Ownership and Use of Content

All of the information and content on this Website, including but not limited to all text, graphics, software applications, video and audio files, and photos ("Content") is owned, copyrighted, or licensed by the Company and/or its affiliated companies, and is protected by worldwide copyright laws and treaty provisions, unless otherwise indicated. The Company's logo, all other service marks, and the names of the various products and services described within are service marks of the Company or its affiliates. You may make and use printouts of the Content for your personal, non-commercial use only, provided that the printouts retain all copyright, trademark and other proprietary notices. The use of the Content on any other Website or in a networked computer environment for any purpose, or any other republication or redistribution of the Content, including, without limitation, framing the Content within another Website, is expressly prohibited without the prior written permission of the Company.

9. Hyperlinks

From time to time, as a convenience for you, we may provide links to third party Websites, or permit third parties to link to this Website. Links to or from a third party site, whether provided by the Company or not, do not imply any affiliation between the Company and the site owner, or an endorsement, approval, or verification by the Company of any content available on such third party sites. We do not periodically review these third party sites and we are not responsible or liable for the accuracy or completeness of the content on any such third party sites. By providing access to other websites, the Company is not recommending the purchase or sale of products or services provided by the sponsoring organization of any linked site. Subject to the terms of applicable service or other agreements, we will remove any link from this Website upon request from the owner of the linked site.

When you click on any of those third party links, you may leave this Website. Any personal information you submit on the resulting Website will not be collected or controlled by us, and will be subject to the privacy policy of the resulting website. Please review the privacy policy of the resulting Website for more information on their privacy practices.

10. Availability of Coverage

Not all products and services described on this site may be available in all states. Some products and services may vary in a particular state from what is described in this site. If you have any questions, you should contact us or your insurance agent.

We do not in any way imply that the materials on the sites or the products we discuss are available are for use outside of the United States or in jurisdictions in which we are not licensed to do business, or that we are soliciting business in any such jurisdiction. By completing an on-line request for a rate quote, you are confirming that you are not a resident in any such jurisdiction.

11. No Warranty

WE WILL MAKE EVERY REASONABLE EFFORT TO INCLUDE ACCURATE AND UP TO DATE CONTENT ON THIS WEBSITE. HOWEVER, THE CONTENT ON THIS WEBSITE (INCLUDING ANY GRAPHICS) AND ANY MATERIALS MADE AVAILABLE THROUGH THIS WEBSITE ARE SUBJECT TO APPLICABLE STATUTES AND REGULATIONS, AND ARE PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

THE COMPANY EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. THE COMPANY MAKES NO WARRANTY THAT (I) THE OPERATION OF THIS WEBSITE WILL MEET THE USER'S REQUIREMENTS; (II) ACCESS TO THIS WEBSITE WILL BE UNINTERRUPTED, TIMELY, SECURE, FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS, OR FREE OF ERRORS; (III) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THIS WEBSITE WILL BE ACCURATE OR RELIABLE; OR (IV) DEFECTS WILL BE CORRECTED. YOU (AND NOT THE COMPANY) ASSUME THE ENTIRE COST OF ALL SERVICING, REPAIR, OR CORRECTION THAT MAY BE NECESSARY FOR YOUR COMPUTER EQUIPMENT AND SOFTWARE AS A RESULT OF ANY VIRUSES, ERRORS OR OTHER PROBLEMS YOU MAY HAVE AS A RESULT OF VISITING THIS WEBSITE.

THE COMPANY DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE USE OF THE CONTENT ON THIS WEBSITE IN TERMS OF ITS CORRECTNESS, ACCURACY, RELIABILITY, OR OTHERWISE. THE CONTENT ON THIS WEBSITE COULD INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS. THIS CONTENT COULD BECOME INACCURATE AS A RESULT OF DEVELOPMENTS OCCURRING AFTER PUBLICATION. THE COMPANY UNDERTAKES NO OBLIGATION TO KEEP ANY SUCH INFORMATION CURRENT. THE COMPANY ENDEAVORS TO MAINTAIN THIS WEBSITE AND ITS OPERATION, BUT IS NOT, AND CANNOT BE, RESPONSIBLE FOR THE RESULTS OF ANY DEFECTS THAT MAY EXIST IN THIS WEBSITE OR ITS OPERATION.

TO THE EXTENT, IF ANY, THAT THE LAW DOES NOT PERMIT THE DISCLAIMER OF WARRANTIES, ALL CONTENT ACCESSIBLE ON THIS WEBSITE, OR ANY OTHER WEBSITE TO WHICH WE LINK, AND ALL OPERATIONS ON THIS WEBSITE ARE WARRANTED ONLY TO THE MINIMUM AMOUNT LEGALLY REQUIRED.

12. Limitation of Liability

IN USING THIS WEBSITE, YOU SPECIFICALLY AGREE THAT YOU WILL NOT HOLD THE COMPANY LIABLE TO YOU OR ANY PARTY FOR ANY DAMAGES OR INJURY OR LOSS, INCLUDING ANY DIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR LOST PROFITS, THAT MAY RESULT FROM THE USE OF, OR THE INABILITY TO USE, THE MATERIALS ON THIS SITE (OR ANY OTHER LINKED WEBSITE), WHETHER IN AN ACTION OF CONTRACT, NEGLIGENCE OR OTHER TORTIOUS ACTION, ARISING OUT OF OR IN CONNECTION WITH THE USE OR PERFORMANCE OF INFORMATION AVAILABLE ON THIS WEBSITE (OR ANY OTHER LINKED WEBSITE). THE COMPANY SHALL NOT BE LIABLE EVEN IF THE COMPANY OR ANY AUTHORIZED REPRESENTATIVE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THESE INCLUDE BUT ARE NOT LIMITED TO DAMAGES OR INJURY CAUSED BY ERROR, OMISSION, INTERRUPTION, DEFECT, FAILURE OF PERFORMANCE, DELAY IN OPERATION OR TRANSMISSION, LINE FAILURE, COMPUTER VIRUS OR OTHER HARMFUL COMPONENT.

13. Governing Law

These Terms and Conditions shall be governed by and construed in accordance with the laws of the United States and the Commonwealth of Massachusetts, without giving effect to conflict of law principles thereof. Persons who access this web site do so on their own initiative, and are responsible for compliance with applicable local laws and regulations.

14. Choice of Forum

The Company and you: (a) hereby irrevocably submit to the jurisdiction of the federal and state courts in Boston, Massachusetts and (b) hereby waive to the extent not prohibited by applicable law, and agree not to assert, by way of motion, as a defense or otherwise any claim that (i) the Company or you is not subject personally to the jurisdiction of the above-named courts, (ii) any action, suit or proceeding may not be brought or maintained in one of the above-named courts, (iii) any such action should be dismissed on grounds of forum non conveniens, should be transferred to any court other than one of the above-named courts or should be stayed by virtue of the pendency of any other action, suit or proceeding in any court other than one of the above-named courts, or (iv) this Agreement or the subject matter hereof may not be enforced in or by any of the above-named courts.

The Company and you each hereby consents to service of process in any such action in any manner permitted by the laws of the Commonwealth of Massachusetts, agrees that service of process by registered or certified mail, return receipt requested is reasonably calculated to give actual notice and waives and agrees not to assert by way of motion, as a defense of or otherwise, in any such action any claim that service of process made in accordance with this Section hereof does not constitute good and sufficient service of process. The provisions of this Section shall not restrict the ability of any Party to enforce in any court of competent jurisdiction any judgment obtained from any federal or state court in Boston, Massachusetts.

15. Entire Agreement

These Terms and Conditions constitute the entire agreement between the Company and you and it supersedes all prior agreements, whether written or oral between the Company and you, relating to this Website.

16. Online Services Terms and Conditions

Your use of the Online Services portion of this Website is also subject to the following Online Services Terms and Conditions:

Online Quotes

We rely on your accurate statements when we present it to insurance companies to provide you with a quote. However, insurance companies may verify your information through THE USE OF THIRD PARTY RESOURCES, SUCH AS motor vehicle, claims and consumer credit (if applicable) reports, if you decide to purchase a policy through us.

ONLINE QUOTES ARE PROVIDED AS PRICE ESTIMATES ONLY AND ARE SUBJECT TO CHANGE. ACTUAL PREMIUM AMOUNTS WILL BE DETERMINED AND PROVIDED TO BY YOUR INSURANCE CARRIERS OR OTHER INTERMEDIARIES THAT MAY VERIFY INFORMATION PROVIDED TO DETERMINE IF YOU ARE ELIGIBLE FOR ADDITIONAL DISCOUNTS.

Please note that rate quotes do not provide coverage for customizations to your auto. If your vehicle is customized, please call us at 855-565-4600.

If you pay your premium in installments, each installment may be subject to an additional fee. Check with the insurance company that issues your policy for additional information on fees associated with your policy.

No Insurance Coverage without a Written Binder

No insurance coverages can be bound and no changes can be made to your policy, new or existing, unless and until you have received a written binder from the insurance company that issues your policy.

Your submission of a completed form to us via this Website acts merely as a request for information - it does not constitute a binding coverage agreement.

The descriptions of products and services set forth on this site, including without limitation, terms, coverages, conditions and exclusions of products and services are provided for general information and illustration purposes only, and are not intended to be, and should not be construed as legally binding upon the Company or any insurance companies that we represent. You should review carefully all of the materials supplied to you. If you have any questions, please contact us or your insurance company.

User Name and Password

In order to take advantage of online services that may be contained on this Website you may be asked to select a user name and password. YOU ARE ENTIRELY RESPONSIBLE FOR MAINTAINING THE SECURITY AND CONFIDENTIALITY OF YOUR USER NAME AND PASSWORD. You agree to notify us immediately of any unauthorized use of your account or any other breach of security. The Company may deny access or block any transaction made under your password without prior notice if we believe your password is being used by someone other than you, or if any unauthorized access to your personal information has occurred or may occur, or for any other reason, but we are under no obligation to do so.

WE WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGES OF ANY KIND THAT MAY ARISE AS A RESULT OF SOMEONE ELSE USING YOUR PASSWORD OR ACCOUNT, EITHER WITH OR WITHOUT YOUR KNOWLEDGE. HOWEVER, YOU MAY BE HELD LIABLE FOR ANY LOSSES INCURRED BY US OR ANOTHER PARTY DUE TO SOMEONE ELSE USING YOUR ACCOUNT OR PASSWORD.

17. Security

While we provide certain internet security technologies and use other reasonable precautions to protect confidential information and provide suitable security, we do not guarantee or warrant that information transmitted through the internet is secure, or that such transmissions will be free from delay, interruption, interception or error. Finally, you acknowledge and agree that you will not transmit any material that contains viruses or any other computer code, files or programs that might interrupt, limit or interfere with the functionality of any computer software, hardware, database or file, or communications equipment that is owned, leased or used by the Company.

18. Goods and Services Provided by Third Party Merchants

We will not be liable for any loss or damage incurred as a result of any interaction between you and a merchant, or a merchant's products or services, accessible through this Website. All matters, including but not limited to the delivery of goods and services, returns, and warranties are solely and strictly between you and the third party merchant. You acknowledge that we do not endorse or warrant any third party merchants, merchant offers, or goods and services that are purchased or accessible through this Website from third party merchants. Any savings advertised through this Website vary by merchant. Certain limitations, restrictions and exclusions may apply to any such offers. We reserve the right to modify or discontinue any offers by third party merchants at any time without notice to you and we shall not be liable to you or any third party should we exercise our right to do so. We make no warranty regarding any goods or services purchased or obtained from third party merchants through this Website or any transactions with any third party merchants.

19. Submission of Content on this Website

To the extent, if any, that this Website allows users to submit "Content" (as defined above under "Ownership and Use of Content") to the Website, you explicitly agree that you shall not: (a) provide any Content or perform any conduct that may be unlawful, illegal, threatening, harmful, abusive, harassing, stalking, tortious, defamatory, libelous, vulgar, obscene, offensive, objectionable, pornographic, or give rise to civil or criminal liability; (b) impersonate or misrepresent your association with any person or entity, or forge or otherwise seek to conceal or misrepresent the origin of any Content provided by you; or (c) provide or use this Website and any Content or service in any commercial manner.

By providing any Content to our Website: (a) you agree to grant to us a worldwide, royalty-free, perpetual, non-exclusive right and license (including any moral rights or other necessary rights) to use, display, reproduce, modify, adapt, publish, distribute, perform, promote, archive, translate, and to create derivative works and compilations, in whole or in part in any form, media, or technology known or later developed; (b) you warrant and represent that you have all legal, moral, and other rights that may be necessary to grant us with the foregoing license; and (c) you acknowledge and agree that we shall have the right (but not obligation), in our sole discretion, to refuse to publish or to remove or block access to any Content you provide at any time and for any reason, with or without notice.

20. Company Information

This Website is operated by Bright Idea Insurance Solutions, Inc. with a principal place of business at 211 Main Street, Webster, MA 01570.

Requests for technical support, and other communications relating to the Website should be directed to: info@getbrightidea.com.

For other inquiries in regards to quotes, claims, service, billing or any complaints; please email caservice@getbrightidea.com for California Residents.

Bright Idea Insurance Solutions, Inc. (“BIIS”) is a wholly-owned subsidiary of The Commerce Insurance Company, one of a number of affiliated insurance companies owned, directly or indirectly, by MAPFRE U.S.A. Corp. (collectively, “MAPFRE”). BIIS is authorized to solicit, produce, and place insurance in California for insurance companies, including MAPFRE affiliates, from which it has received appointments.

There are a number of ways in which BIIS and licensed producers affiliated with BIIS (collectively, “Agency”) may be compensated: 1] Commissions, usually defined as a percentage of the premium charged by the insurer, are paid to the Agency as compensation for producing and servicing insurance products or policies. Commissions are included in the premium amount associated with the policy; 2] In certain circumstances the Agency may receive contingent compensation from an insurance company. Generally, contingent compensation is paid only after the Agency has met certain overall performance criteria or thresholds for an insurance company which is usually assessed annually; 3]

Occasionally, the Agency may also be paid compensation such as a minimum fee and/or may enter into compensation sharing arrangements or other marketing arrangements. Such arrangements are typically in place so that the Agency can offer a prospective insured additional insurance and service options through various affiliates of BIIS and unaffiliated third parties including insurance companies and agencies that place insurance business and other services on behalf of BIIS; 4] Individual producers may also receive a base salary, and may qualify for other incentives for placing insurance with insurance companies. Incentives may be in the form of cash or non-cash awards paid directly to the producer for meeting certain performance criteria.

BIIS values your feedback regarding compliance with this compensation disclosure, or to discuss placement of your insurance. For further inquiries you may contact us at info@getbrightidea.com.

A quote is an estimate of what you will pay for an insurance policy on your vehicle. In order to provide you with an accurate quote, we rely on you to provide accurate information. We will determine your actual premium amount, including applicable discounts, and eligibility for coverage once you have completed an insurance application. We may, to the extent allowed by law, verify the information you have provided through third-party providers, including providers of information relating to your driving history. As a result, the amount we have quoted for insurance coverage may change.

When you submit information via this website, you are requesting information and action on behalf of the company or its agents. No insurance coverage will be bound until you have submitted and we have accepted an application for insurance. Our price estimates are based on the most commonly requested coverage options. Other options may be available or be in your best interest. If you would like to receive a quote for limits and coverage options not shown, please call your independent agent.