References to “you” mean any person submitting any data, personal or otherwise, on this Website.
Personal Information is generally information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular person (for example, name, address, telephone number, Social Security number, and driver’s license number.)
(a) Information you provide directly to us.
Next may collect information about you in order to underwrite, sell, solicit, and negotiate insurance products and services. This may include the following information, not all of which is necessarily Personal Information under applicable privacy laws:
You must only submit to us or the Website information and Personal Information, which is accurate and not misleading, and you must keep it up to date and inform us of any relevant changes via the contact information below.
For any Personal Information you provide in order to obtain any of our Services, we may collect or verify the same or similar information from our affiliates and other third parties, such as employers, insurers, brokers or agents, credit agencies, departments of motor vehicle and driver licensing, financial institutions, healthcare providers, and other sources.
(b) Personal Information we collect automatically
When you visit our Website, we may automatically collect certain information, which may also be categorized as Personal Information. This includes your IP address, the date and time you accessed our When you visit our Website or use our mobile application, we may automatically collect certain information, including your IP address, the date and time you accessed our Services, the hardware, software or internet browser you use and information about your mobile device or computer’s operating system. We might also collect information about clicks, which pages you have been browsing, and any information you have provided us in connection with shopping for or configuring insurance quotes. Depending on applicable privacy law, this information may be considered Personal Information.
(c) Personal Information you provide about other individuals
If you provide Personal Information about other individuals, such as your employees or dependents, you must first obtain their consent. By providing us with Personal Information of a third party, you hereby represent that you have provided notice to that third party and have obtained his or her consent. You must provide only accurate information, and refrain from providing information that is not necessary or requested.
When you provide us with personal and other information, you consent to our collection, use, storage, and disclosure of this information to appropriate third parties for the purposes described herein including our Cookies Policy (below).
(d) Public Forums
In providing you with an insurance quote, Next may search across various public Internet sources about you or your company.
Next collects information related to you, including Personal Information, for a variety of purposes, as described below (collectively. “Purposes”). This may include to:
Next may disclose your information, including Personal Information, as follows:
Next will only retain your Personal Information for the life of any policies you may have purchased from us and as per applicable state legal and regulatory requirements, or longer in the case of litigation.
Next takes steps to protect your information from unauthorized access. While we take reasonable measures to protect the information you submit via the website against loss, theft, and unauthorized use, disclosure, or modification, we cannot guarantee its absolute security. No internet, email, or mobile application transmission is ever fully secure or error free. Email or other messages sent through the website may not be secure. You should use caution whenever submitting information through email or the website and take special care in deciding which information you provide us.
You also have choices with respect to cookies and similar technologies, as described below.
Next collects information about how you use our Website by using cookies. A cookie is a small text file, generated by a website that is stored in the website user’s internet browser or computer or mobile device hard drive, on a temporary or permanent basis. Cookies allow a website to identify a user’s device whenever that user returns to the website. This provides the user with a more stable and enriching experience, and allows a website owner to gather usage information. You can find more detailed information about cookies and how they work at www.aboutcookies.org.
You can configure your internet browser preferences to limit the acceptance and storage of cookies, but blocking all cookies may limit your browsing experience on our and other websites.
Next may also utilize web beacons and similar tracking technologies to gather information about your interactions with Next websites. A web beacon is a one-pixel usually-transparent electronic image inserted in web content or email messages. It passes information about pages and content viewed by Next Website users.
Cookies allow Next to identify a user’s device when that user returns to Next’s Website and to run its Services more efficiently by providing a more stable experience customized to each user.
Cookies also may provide Next with information about its users and enable Next to compile aggregate user statistics.
The cookies Next uses vary. Some of the cookies Next uses are necessary to allow users to navigate secure areas containing content for registered users. Next also uses functional cookies to gather information about user choices such as language, region, or other settings. Information gleaned from these functional cookies is usually anonymized and not used for non-functional purposes.
Next uses analytical services to determine the effectiveness of our content, what interests our users, and the functionality of our Services. We also use web beacons, tracking pixels, and similar technologies to understand more about Website visitors and count visitor numbers.
Next utilizes performance cookies to track how many individual users visit our Website and how often they do so. While information gathered through web beacons, tracking pixels, and performance cookies are generally not used to personally identify any user, such data may be combined with other information to analyze personal website user information.
While this Website does not generally utilize targeting cookies, which deliver targeted advertising, third party websites on which Next may advertise may use such cookies to track the success of those advertising campaigns. We may use web beacons to decipher which users arrived at our website after viewing an advertisement on such a third party website. Web beacons may also work in concert with cookies on your device to monitor activity. You cannot block web beacons, and because they are not installed on your device, you cannot remove them.
However, you can remove and block the cookies on which web beacons rely to gather information about your user activity.
You can control and manage your cookies in various ways. You can control whether you block or accept cookies by modifying your internet browser settings, including the selection of “do not track” options. You can accept all cookies, be notified when a cookie is sent, or reject all cookies. Most browsers also allow you to individually delete cookies, though this may cause you to lose preferences you set for various websites. Note that removing or blocking cookies may impair your user experience and prevent access to portions of Next’s Website. Next’s web beacons will still function without cookies, but will only record that the Website was anonymously visited. For more information about how to modify your browser settings to block or filter cookies, see www.aboutcookies.org.
You can opt-out of having your anonymized browsing activity within websites recorded by analytics cookies by following the instructions on the Google website at https://myaccount.google.com/yourdata/search to update your privacy settings.
A local shared object or flash cookie is similar to other cookies except that it can store additional information. These cookies cannot be filtered using the browser settings as described above. Some parts of Next’s Website use flash cookies to store preferences for media player functionality. Some video content may not play properly without these cookies. These cookies can be controlled manually by visiting the Adobe website at https://experienceleague.adobe.com/docs/core-services/interface/administration/ec-cookies/cookies-first-party.html?lang=en.
Next and this Website are based in the United States. Next only offers insurance to United States residents.
The Personal Information about you that we collect includes information within the below categories of data. These categories also represent the categories of Personal Information that we have collected over the past 12 months. Note that the categories listed below refers to the category of Personal Information as defined under the California Privacy Rights Act (“CPRA”). Inclusion of a category in the list below indicates only that, depending on the services and products we provide you, we may collect some information within that category. It does not necessarily mean that we collect all information listed in a particular category for all of our customers. In addition, state privacy law does not necessarily apply to each category of Personal Information, particularly since most of what we collect is in the Business to Business Context.
We have disclosed Personal Information in each of the below categories with our subsidiaries and affiliates, business partners, and service providers, as well as with government entities as necessary, within the past 12 months.
Purpose of Processing
|Identifiers such as a real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, social security number, driver’s license number, passport number, or other similar identifiers.||Website form; telephone discussions; other direct communications with you.||Performance of our contracts, or the contracts of the companies whose insurance products we sell, or to take steps necessary to enter into such contractors; Performance of our legal obligations.
It is also necessary to:
|Information that identifies, relates to, describes, or is capable of being associated with, a particular individual, including, but not limited to, your name, signature, social security number, physical characteristics or description, address, telephone number, driver’s license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information.||Website form; telephone discussions; other direct communications with you.||Performance of our contracts, or the contracts of the companies whose insurance products we sell, or to take steps necessary to enter into such contractors; Performance of our legal obligations.
It is also necessary to:
|Characteristics of protected classifications under California or federal law, including: familial status, disability, sex, national origin, religion, color, race, sexual orientation, gender identity and gender expression, marital status, veteran status, medical condition, ancestry, source of income, age, or genetic information.||Website form; telephone discussions; other direct communications with you; through social media interactions; through databrokers.||Performance of our contracts, or the contracts of the companies whose insurance products we sell, or to take steps necessary to enter into such contractors; Performance of our legal obligations.
For accessibility purposes in support of visits to our offices.
|Commercial information, including records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.||Website form; telephone discussions; other direct communications with you.||Performance of our contracts, or the contracts of the companies whose insurance products we sell, or to take steps necessary to enter into such contractors; Performance of our legal obligations|
|Internet or other electronic network activity information, including, but not limited to, browsing history, search history, and information regarding the consumer’s interaction with an Internet Web site, application, or advertisement.||Online automated technologies, including web server logs that compile IP addresses, web beacons, and cookies.||Provision of high-quality and tailored services to you;|
Maintaining the security and integrity of our electronic systems.
|Geolocation data.||Online automated technologies, including web server logs that compile IP addresses, web beacons, and cookies.||Provision of high-quality and tailored services to you; Maintaining the security and integrity of our electronic systems.|
|Audio, electronic, visual, or similar information.||Recorded phone calls with our customer service representatives; CCTV.||Performance of our contracts, or the contracts of the companies whose insurance products we sell, or to take steps necessary to enter into such contractors; Performance of our legal obligations, as well as for quality control and training purposes and for security purposes.|
|Professional or employment-related information.||Website form; telephone discussions; other direct communications with you.||Performance of our contracts, or the contracts of the companies whose insurance products we sell, or to take steps necessary to enter into such contractors; Performance of our legal obligations.|
|Inferences (defined as “the derivation of information, data, assumptions, or conclusions from facts, evidence, or another source of information or data”) drawn from any of the information identified in this subdivision to create a profile about a consumer reflecting the consumer’s preferences, characteristics, psychological trends, preferences, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.||Data analytics partners.||Performance of our contracts, or the contracts of the companies whose insurance products we sell, or to take steps necessary to enter into such contractors; Provision of high-quality and tailored services to you.|
|Sensitive personal information, including: any personal information that reveals an individual’s social security or other state identification number; account log-in, financial account; geolocation; racial or ethnic origin, religious or philosophical beliefs, or union membership; contents of mail, email, or text messages, unless the business is the intended recipient of the communication; and genetic data.||Website form; telephone discussions; other direct communications with you.||Performance of our contracts, or the contracts of the companies whose insurance products we sell, or to take steps necessary to enter into such contractors; Performance of our legal obligations.
For accessibility purposes in support of visits to our offices.
In addition to the categories of information above, we also collect the following categories of sensitive personal information:
Purpose of Processing
|Social security, driver’s license, state Identification card, or passport number.||Website form; telephone discussions; other direct communications with you.||Performance of our contracts, or the contracts of the companies whose insurance products we sell, or to take steps necessary to enter into such contractors; Performance of our legal obligations.|
|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.||Website form; telephone discussions; other direct communications with you.||Performance of our contracts, or the contracts of the companies whose insurance products we sell, or to take steps necessary to enter into such contractors; Performance of our legal obligations.|
|Racial or ethnic origin, religious or philosophical beliefs, or union membership.||Website form; telephone discussions; other direct communications with you.||Performance of our legal obligations.
For accessibility purposes in support of visits to our offices.
Certain states, like California, also grants residents specific rights regarding the collection and use of their Personal Information. Subject to certain limitations, and based on your residency, you may be entitled to the following rights:
We may require additional information from you in order to honor your request, and there may be circumstances where we will not be able to honor your request. For example, if you request deletion, we may need to retain certain personal information to comply with our legal obligations or other permitted purposes. We will only use Personal Information provided in a verifiable consumer request to verify your identity or authority to make the request. If you are submitting a request through an authorized agent, the authorized agent must provide us with your signed written permission stating that the agent is authorized to make the request on your behalf.
We may also request that any authorized agents verify their identity and may reach out to you directly to confirm that you have provided the agent with your permission to submit the request on your behalf.
Further, if you are a California resident, California Civil Code Section 1798.83 permits you to request in writing a list of the categories of Personal Information relating to third parties to which we have disclosed Personal Information during the preceding year, for the third parties’ direct marketing purposes. To make such a request, please contact us at firstname.lastname@example.org.
Some browsers have incorporated “Do Not Track” (DNT) features that can send a signal to the websites you visit indicating you do not wish to be tracked. Because there is not yet a common understanding of how to interpret the DNT signal, our services do not currently respond to browser DNT signals. For more information on DNT, see https://allaboutdnt.com/.
Next Insurance, Inc.
PO Box 60787
Palo Alto, CA 94306
1-855-222-5919 (U.S. toll free)