Privacy Policy

Effective: January 2023

SimplyIOA is a home and auto insurance solution allowing you to compare and purchase home and auto insurance from trusted companies online, over the phone or through a SimplyIOA branch. We appreciate the trust you place in us and is committed to protecting your nonpublic personal information ('Personal Information') and respecting your privacy. We value you as a customer. The following Privacy Policy (“Policy”) has been provided to inform you about the collection, use, disclosure, and transfer of any Personal Information by SimplyIOA. This Privacy Policy only covers SimplyIOA and www.simplyioa.com and does not cover other Insurance Office of America (IOA) business entities or websites including www.ioausa.com. Unless otherwise noted, the information in this Policy that describes how and why we collected, used and disclosed information within the past 12 months also describes the information we will collect and how we will use it. For purposes of this Policy, Personal Information (“PI”) means information that identifies, relates to, describes, can reasonably be associated with, or could reasonably be linked, directly or indirectly, with you or your household.

This Policy applies to interactions you may have with SimplyIOA in your individual capacity or in your capacity as an employee, owner, director, officer, or independent contractor of another company, partnership, sole proprietorship, non-profit, or government agency (collectively, “Entity”) that does business with us.

We may change the terms of the Policy from time to time. When we make changes, we will post the amended policy on this website, www.simplyioa.com. If the changes are material, we will post a notice on this website alerting you to the change. Any changes to the Policy will become effective immediately upon our posting of the Policy. Please review the current Policy before providing us with PI. 

To opt out or update your consent preferences please use the the following Opt-Out Link. For more information see our Individual Consumer Rights Section below.

Personal Information Collection, Sources and Purposes

Information Collected Online Automatically

When you visit this website, we will collect the following information automatically:

• Technical information, including the internet protocol (IP) address used to connect your computer to the internet, your login information, browser type and version, time zone setting, browser plug-in types and versions, operating system, and platform; and
• Information about your visit, including the full Uniform Resource Locators (URL), clickstream to, through and from the website (including date and time), products you viewed or searched for, page response times, download errors, length of visits to certain pages, page interaction information (such as scrolling, clicks, and mouse-overs), and methods used to browse away from the page.
  We may obtain this information via server logs, cookies (small data files your web browser stores on your hard drive), web beacons (small electronic images used to count web page views) or other commonly used mechanisms. By using any of the Sites, you are deemed to unambiguously agree to its use of any cookies that you do not disable. Please see our cookie policy for more information.

Personal Information Disclosed or Shared

We disclose or share the following information with third parties.

At times, SimplyIOA engages service providers for the same business purposes for which we collect such Personal Information as described in the previous section; in these cases a contractual agreement is signed with each vendor to restrict the use of your Personal Information.

Simply IOA may Sell or Share your personal information as defined by the CCPA to our third-party partners to provide you with a tailored customer experience with your consent. We only disclose the categories of information explicitly called out above for these purposes. We take all recommended steps to ensure the safety of your information and provide you with the right to opt out of this action. For more information, please visit Section D of our California Consumer Rights.

In certain circumstances, SimplyIOA may disclose your Personal Information when authorized by law, public authorities, courts, or law enforcement, or when required to protect our legal rights. For example, disclosures can be a part of a merger, acquisition, bankruptcy, or other transactions.

Reviewing or Modifying Your Information

Our policyholders can review our update their information by contacting us at Inquiries@simplyioa.com, using our online form or calling us at 833.872.4467.

Any consumer can request a copy of the information about them that we have in our files or review it in a branch office and make a copy to check it for completeness and accuracy. Your request must be in writing and must provide satisfactory identification and proof of entitlement. A reasonable charge may be made for providing requested information. Please mail your request to the following address:

Within 30 business days, or as required by law, of receiving your written request, we will send you the information. Consent to the use and disclosure of your personal information can be withdrawn, by notice in writing to the address obtained above.

Individual Consumer Rights

The rights described below in this section pertain to the rights applicable under various state legislations such as California and Virginia. These rights include the. right to know/access, right to delete, right to correct, right to opt out of selling or sharing your personal information, right to opt out of targeted advertising, right to opt out of profiling, and the right to appeal. This section also explains how to exercise those rights. We will not discriminate against you for exercising your rights

• A. Right to Know/Access

  You may have the right to send us a request, no more than twice in a 12-month period, for any of the following:

  • The categories of Personal Information we collect about you
  • The categories of sources for the Personal Information we collect about you
  • Our business or commercial purposes for collecting that Personal Information
  • The categories of third parties with whom we share that Personal Information, and categories of Personal Information that each recipient received
  • The specific pieces of Personal Information we collect about you
  • A list of the categories of Personal Information disclosed for a business purpose in the prior 12 months, or that no disclosure occurred; and
  • A list of the categories of Personal Information sold about you in the prior 12 months, or that no sale occurred. If we sold your Personal Information, we will explain:
    • The categories of your Personal Information we have sold and
    • The categories of third parties to which we sold Personal Information, by categories of Personal Information sold for each third party.

• B. Right to Delete

  You have the right to request that we delete any Personal Information that it has collected from you and retained, subject to certain exceptions. For example, we may deny your deletion request if retaining the information is necessary for us to complete the transaction that you requested, detect security incidents, or enable internal uses that are reasonable aligned with your expectations. If you’d like to request deletion, please email the following information to inquiries@simplyioa.com Full Legal Name, Residential Address, Email, Phone Number(s) 

• C. Right to Correct

  You have the right to request that we correct Personal Information that we maintain about you if you believe it is inaccurate. We may request documentation from you in connection with your request. Upon receipt of a verifiable request to correct inaccurate Personal Information, we will use commercially reasonable efforts to correct the Personal Information.

• D. Right to Opt Out/Do Not Sell or Share

  You have the right to opt out of the Selling or Sharing of your Personal Information. The CCPA defines these terms under 1798.140.(ad)(1) stating ““Sell,” “selling,” “sale,” or “sold,’’ means selling, renting, releasing, disclosing, disseminating, making available, transferring, or otherwise communicating orally, in writing, or by electronic or other means, a consumer’s personal information by the business to a third party for monetary or other valuable consideration.” 

• 
  Simply IOA is committed to your data privacy and provides the right to opt out to all customers regardless of residency status. In line with our commitment to privacy, we adhere to all opt out principals afforded under the CCPA. Simply IOA provides three methods for you to exercise this right as described below.

• 
  Because the use of identifiers including internet or other electronic network activity shared with digital vendors is considered a Sale or Share, you may opt out of the Sale or Sharing of your Personal Information by adjusting your cookie settings. Please see our cookie policy for more information.

• Provide your details to Opt-Out

• E. Right to Opt Out of Targeted Advertising

  You have the right to request that we stop disclosures of your personal data for targeted advertising. You may opt out of Targeted Advertising by adjusting your Cookie Settings through the “Cookie Settings” link in the footer of our website

• F. Right to Opt Out of Profiling

  You have the right to opt out of profiling in furtherance of decisions that produce legal or similarly significant effects. We do not profile in a manner that would result in legal or similarly significant effects and as such do not offer this right.

• G. Right to Appeal

  If you are unsatisfied with our actions related to the exercise of one of your privacy rights above, you may appeal our decision.

• H. Sensitive Personal Information

  We do not collect Sensitive Personal Information for the purpose of inferring characteristics about you. We do not use or disclose Sensitive Personal Information for purposes to which the right to limit use and disclosure applies under the CCPA

• Exercise your Rights

  To exercise the right to know/access, right to delete, right to correct, right to opt out of selling or sharing your personal information, right to opt out of targeted advertising, right to opt out of profiling, or the right to appeal., please submit a verifiable Consumer request to us by either:

• • Sending us an email at: Inquiries@simplyioa.com, or using our online form
  • Calling us at 833.872.4467
  • Visiting our self-service portal

• When calling or emailing, please describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it. Any request that you submit to us is subject to an identification process to verify your identity or authority to make the request including your full name and email address.
  Designating an authorized agent: To exercise any of these privacy rights, you can also designate another person to act on your behalf. As permitted by the CCPA, any request you submit to us is subject to an identification and verification process and confirmation of the agent's authority, which may include attestation under penalty of perjury. Absent a power of attorney, we will also require the Consumer to verify their own identity.
  For more information on the CCPA please visit the The State of California’s CCPA webpage. For more information on Virginia’s Consumer Data Protection Act please visit The State of Virginia’s website.

Non-Discrimination

We will not discriminate against you in a manner prohibited by any privacy regulation including the CCPA because you exercise your rights.

Do Not Sell My Personal Information

SimplyIOA may Sell or Share your Personal Information as defined by the CCPA with our Third-Party Partners to provide you with a tailored customer engagement experience. As defined above in Individual Consumer Rights’ Section D, we are committed to ensuring your privacy rights and have afforded the appropriate opt out methods pursuant to applicable law. Any IOA customer may utilize our opt-out methods. We will not discriminate against you for exercising this right. Please find our three opt out methods and additional resources in the section previously mentioned. 

If you direct us to share PI, we may do so, and that is not considered a sale under the CCPA. We do not treat disclosures required by applicable law to be made, such as to the government to be sales. Also, disclosures amongst the Entities as defined above are not a sale.

You can, exercise control over browser-based cookies by adjusting the settings on your browser. For more information on cookies and other tracking devices and ways to exercise preferences regarding them, see our  cookie policy.

Our Policy Towards Children

SimplyIOA does not knowingly collect Personal Information directly from minors and does not sell Personal Information from minors. Any information we collect from minors is always with the consent of a parent or guardian. If you are under 16 years old, do not use or provide any information on our website.

Data Retention and Security

We keep the categories of Personal Information described above for as long as is necessary for the purposes described in this Policy or otherwise authorized by law.
This generally means holding each category of information for as long as one of the following apply if the Personal Information:

• is reasonably necessary to manage our operations, to manage your relationship with us, or to satisfy another purpose for which we collected the information;
• is reasonably necessary to carry out a disclosed purpose that is reasonably compatible with the context in which the personal information was collected;
• is reasonably required to protect or defend our rights or property (which will generally relate to applicable laws that limit actions in a particular case); or
• is otherwise required or permitted to keep your Personal Information by applicable laws or regulations.

Where Personal Information is used for more than one purpose, we may retain it until the purpose with the latest period expires. For more information about our retention policies, please contact us using the contact details below.
We endeavor to use reasonable organizational, technical, and administrative measures to protect the Personal Information we maintain within our organization.
Our website is designed for users from, and are controlled and operated by us from, the United States, which may have different data protection rules than those of your country if you are located and accessing this website outside of the United States.
Our website may provide links to third-party websites. When you click on one of these links, you will be accessing content that is not subject to this Policy. We are not responsible for the information-collection practices of the other websites that you visit and advise you to review their privacy policies before you provide them with any Personal Information.

How we Respond to "Do Not Track" Signals

Our systems do not respond to browser "Do Not Track" signals, but several of our business partners who utilize cookies, Web Beacons, or other tracking technologies on the Web Site may enable you to opt out of certain of their cookies, Web Beacons, and other tracking technologies and the tailoring of advertisements to your interests. Our website displays a cookie policy when you visit the website, which displays both the first party and third-party cookies placed on your computing device, when you visit our website. You can opt-out of all except the Strictly necessary cookies from the cookie banner. These cookies are required for the proper functioning of our website.

Changes to Privacy Policy

This Privacy Policy may be revised from time to time as laws change and as industry privacy and security best practices evolve. We display an effective date on this Privacy Policy so that it will be easier for you to know when there has been a change.

Contact Information

If you have any questions or comments about this Privacy Policy, the ways in which SimplyIOA collects and uses your Personal Information, please feel free to contact us at: Inquiries@simplyioa.com.