Privacy Policy


PRIVACY POLICY

Policy last updated: Feb 21, 2014

YourLoanAdviser values its relationship with you. Protecting the privacy of your information is of the greatest importance to us. As an insurance provider, we are regulated by federal and state laws protecting the confidentiality and security of your information, as well as our use and disclosure of it.

  • Whether you are a current, former, or potential client, YourLoanAdviser treats your personal information with the same high level of confidentiality and security.
  • We never sell your information.
  • We only share your information as necessary to provide the insurance products and services you have requested or to contact you about YourLoanAdviser products and services.
  • We do not share information with third parties for marketing purposes unless we have your prior permission to do so.
Our use and disclosure of information

At YourLoanAdviser, we gather information about you that may be used to process and service your insurance policy, settle your claims and offer you additional products and services that we think may be of interest to you, and as permitted or directed by you. Some of this may be nonpublic, personal information (information not available to the general public) that is provided by you, that we gather from transactions and communications with you, through services performed for you, that we obtain from third parties, or that we obtain through other means, all as permitted by law.

Information we collect from you

This includes information you provide us when you apply for our products or request services, either on the internet, by phone, or by other means. It may include information such as your name, address, residence information, telephone number, email address, current or former insurance information, and YourLoanAdviser web pages visited. It also includes information from your communications with us such as letters, telephone calls, and emails.

Information we collect from third parties

This includes information we collect from insurance support organizations, such as consumer reporting agencies and other third parties. It includes information such as motor vehicle reports, consumer credit information, demographic information, insurance histories, and claims reports. Information obtained from insurance support organizations may be retained by such organizations and disclosed to other persons as permitted by law.

Information about your transactions

This includes information about your transactions with us and others, including our affiliates. It includes information such as your policy coverage levels, account balances, claims history, and billing information.

Information we disclose

The above-described types of personal and other types of information about our current, former, or potential clients may be disclosed, but only as permitted or required by law, or as permitted or directed by the client or consumer.

We may disclose such information to affiliated and unaffiliated insurance companies, insurance agents, reinsurance companies, and insurance support organizations, such as consumer reporting agencies, government entities, and claims administrators. We may also disclose information to unaffiliated third parties that perform services or functions on our behalf including the marketing of our products or services. Further, we may also disclose information as necessary to affect, administer, or enforce a transaction that you request or authorize.

The following are examples of situations in which we may disclose information:

  • Your information may be passed between us and our agents, appraisers, attorneys, investigators, and others who may be involved in the sales and marketing of YourLoanAdviser products and services, processing of applications, and servicing of policies or claims.
  • We may provide your information to others whom we determine need such information to perform insurance or other professional functions for us. These may include parties helping us with administrative services and consumer reporting agencies.
  • We may supply information as required by search warrant, subpoena, or legal process to state insurance departments or other law enforcement or government authorities when required by law, or to protect our own legal interests in the event of suspected illegal or fraudulent activities.
  • If we collect your information as an agent for one of our business partners, we may use it to contact you or make you an offer regarding auto insurance that may be of interest to you.

All of the unaffiliated entities with which we may share your information are required to keep the information confidential and use it only for the purposes for which it was shared, except as otherwise permitted by law.

YourLoanAdviser communications

As a YourLoanAdviser policyholder, you may be contacted by YourLoanAdviser regarding your policy and our products and services, such as billing notices, confirmations of changes, changes to our products, and other YourLoanAdviser-specific communications. You may not unsubscribe from YourLoanAdviser-specific communications that relate to your primary usage of our service and products and you agree to receive these if you make a purchase. However, from time to time, YourLoanAdviser may contact you about third-party promotions. In addition, prior to purchasing a policy or after canceling your policy, YourLoanAdviser may contact you to confirm your quote or invite you to come back and get a new quote or purchase a policy. You will have the ability to unsubscribe from these types of communications because they do not relate to your primary usage of our services and products.

Confidential and secure environment

YourLoanAdviser is strongly committed to protecting the confidentiality and security of your information against unauthorized access and disclosure. As examples, we use encryption technology to protect your information and only allow those with a "need to know" to ever access it.

Links to other companies on the YourLoanAdviser website

The YourLoanAdviser website contains links to our business partners and links to other sites offering valuable information. If you choose to provide any personal information directly to any of these entities, the collection and disclosure of your personal information by that entity will be governed solely by that entity's privacy policy. YourLoanAdviser makes no representations or warranties regarding these sites.

Contact information

For questions about about YourLoanAdviser’s privacy policy, please contact us at the address below, or send an email to: contact@YourLoanAdviser.com

Privacy

YourLoanAdviser

2300 E 54th Street North

Sioux Falls, SD 57104

2016 YourLoanAdviser Surety Company

2016 YourLoanAdviser Surety Company YourLoanAdviser Surety Company is domiciled and licensed in South Dakota. We offer private student loan insurance through several methods in 49 states and the District of Columbia. We have a Certificate of Authority in South Dakota, New York, Pennsylvania, Tennessee, Montana, and Hawaii and are approved on a Non-Admitted basis in 44 other states plus the District of Columbia. We anticipate filing for a Certificate of Authority in California later this year. YourLoanAdviser Surety Bonds are currently not available in California. This material is descriptive only. The precise coverage offered is subject to the terms and conditions of the policies issued. Coverage may not be available in all jurisdictions.