Privacy

Information Collection

 

Information Collection
Hampton & Associates Inc. is the sole owner of the information collected on LowCards.com . Hampton & Associates INC. collects information from our users at several different points on our Web site.

Information Use
Information collected on this site is used for analysis purposes, mostly on an aggregate level. Information may also be used in the determination of products and pricing for the different types of insurance offered.

Privacy Notice

 

Hampton & Associates INC. recognizes that protecting the privacy and security of the personal information we obtain about our customers is an important responsibility. This Privacy Notice generally describes our policy about how we treat that information. This notice refers to Hampton & Associates INC., using the terms "we," "us," and "our."

How we obtain information:
We obtain most of the information we need directly from you on your application or other forms you complete, or from those you have authorized to provide information to us in connection with providing our services to you. We also obtain information in the course of processing and recording your transactions with us.

Information we may obtain:
The type of information we obtain depends on the type of product or service in which you express interest. The types of information we may obtain fall into the following two general categories: - Customer Information. Customer information includes identifying information such as your name, address, telephone number, and demographic data about you. It also includes information about your transactions with us such as the insurers to which your application for insurance has been submitted as well as the type, value and premiums of the insurance product for which you are applying. - Financial Information. Financial information is information covered by the Fair Credit Reporting Act and includes information such as your credit history, income, assets, type and value of other insurance products you own or for which you have applied, and amount of insurance premiums you pay for those other products.

Security of the information:
We maintain physical, electronic and procedural safeguards that comply with Federal and State laws to protect all the information we have obtained about you.

What we do with the information we obtain:
We use information about you for business purposes such as identifying the products and services which will meet your needs and for processing your applications.

Disclosure of information:
In order to offer you products and services that may be of value to you, we may, where permitted by law, disclose the customer information described above to the following: - organizations we have hired to provide services on our behalf; - other financial institutions with which we jointly market financial products or services; - companies affiliated with us that offer products or services other than insurance; - anyone to whom you have authorized us to disclose the information; - others as permitted* or required by law.

Financial and Health Information:
Hampton & Associates INC., will not disclose the financial and health information described above to anyone outside of Hampton & Associates INC., unless you have authorized us to do so, or as permitted* or required by law. *Examples of disclosures permitted by law include disclosures to organizations, insurance agents, or insurance companies that provide business services for us such as record keeping, information, or fulfillment services.

Session ID:
Usage of a session ID is in no way linked to any personally identifiable information while on our site. For the session ID, once users close the browser, the ID simply terminates. Some of our business partners use cookies on our site (for example, advertisers). However, we have no access to or control over these cookies, once we have given permission for them to set cookies for advertising.

Third Party Cookies and Session IDs:
This privacy statement covers the use of cookies and session IDs by SaveOnPhone.com and LowCards.com only and does not cover the use of cookies and session IDs by any advertisers or partner/linked sites.

Log Files:
Like most standard Web site servers we use log files. This includes internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, platform type, date/time stamp, and number of clicks to analyze trends, administer the site, track user's movement in the aggregate, and gather broad demographic information for aggregate use. IP addresses, etc. are not linked to personally identifiable information.

Communications from the Site:
We communicate with users on a regular basis to provide requested services and in regards to issues relating to their account we reply via postal mail, email or phone, in accordance with the users wishes.

Sharing:
Legal Disclaimer: Though we make every effort to preserve user privacy, we may need to disclose personal information when required by law wherein we have a good-faith belief that such action is necessary to comply with a current judicial proceeding, a court order or legal process served on our Web site.

Aggregate Information (non-personally identifiable):
We share aggregated demographic information with our partners. This is not linked to any personally identifiable information.

Links:
This Web site contains links to other sites. Please be aware that we, Hampton & Associates INC., are not responsible for the privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of each and every Web site that collects personally identifiable information. This privacy statement applies solely to information collected by this Web site. Please note that LowCards.com has financial relationships with some of the merchants mentioned here. LowCards.com may be compensated if consumers choose to utilize the links located throughout the content on this site and generate sales for the said merchant.

Security:
This Web site takes every precaution to protect our users' information.

Contact Information:
If users have any questions or suggestions regarding our privacy policy, please contact us at: main@lowcards.com.

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