Web Site Privacy Policy

This is the privacy policy ("Privacy Policy") for the Cost-U-Less site or sites (the "Site"). This Privacy Policy sets forth our policies regarding the collection, use and disclosure of certain information relating to your use of the Site. Your use of this Site signifies your understanding and acceptance of the terms of this Privacy Policy.

This Privacy Policy is incorporated into the Terms and Conditions, which govern your use of the Site in general.

Age Requirement for Use of Site: This Site is not intended for use by persons under the age of 18 years old. You must be 18 years old or older to provide any personal information to Cost-U-Less or any of its affiliates.

Domicile Requirement for Use of the Site: You represent and warrant that you are domiciled in the United States. The Cost-U-Less service is not intended for anyone who lives outside of the United States and is further restricted to the California Insurance Market.

Cost-U-Less’s Privacy Commitment: Cost-U-Less values its relationship with you. Protecting the privacy of your information is of the greatest importance to us. As an insurance broker and lender, 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. The following provides details of our practices and procedures for protecting the security of nonpublic, personally identifiable information about you.

· Whether you are a current, former, or potential customer, Cost-U-Less treats your personal information with the same high level of confidentiality and security.

· We never sell your personal information.

· We only share your personal information as necessary to provide the insurance products and services you have requested, to contact you about Cost-U-Less’s products and services, as directed by you, or as permitted by law.

· We do not have a section for anyone under the age of 13 years old (mainly due to the fact that 13 year olds can not drive according to California law) and as such we will not comply with website requirements for youth.

You Don’t Need to "Opt-Out". We like to think that Spam is something that you eat while camping not something that should fill your inbox. Some companies allow access to your nonpublic, personal information by nonaffiliated third parties so they can market their products and services to you. Several laws give you the option of "opting-out" of this type of information sharing. However, at Cost-U-Less we do not share your information with nonaffiliated third parties for their marketing purposes, unless you specifically direct us to do so. Therefore, at Cost-U-Less, you don’t need to "opt-out."

The Information We Collect. At Cost-U-Less, we gather information about you to process and service your insurance quote, insurance policy, deal with claims, and any other service as directed by you with your consent.

Information We Collect From You:
This includes information you provide us when you apply for a quote for our insurance products or request services, either on the Internet, by phone, or by other means. It includes information such as your name, address, vehicle descriptions, driver's license number, and Cost-U-Less Web pages visited.

Information We Collect From Third Parties:
This includes information we may collect from consumer reporting agencies and other parties. It includes information such as motor vehicle reports, consumer credit information, demographic information, insurance histories, and claims reports.

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 About Communications:
This includes information about your communications with Cost-U-Less. It includes information about letters, telephone calls, and emails, such as when they were sent, received, and accessed.

Information Collected Through the Cost-U-Less Web Site:
You can browse our Web site anonymously and find information about Cost-U-Less. Cost-U-Less collects general information about Web site visits as part of our business tracking. This information does not identify you personally, and is used to enhance your Web site experience. This includes information such as how you linked to our Web site, Internet protocol (IP) address, browser type, and time of visit.

Some of our Web sites use ''cookies,'' that is, pieces of information that the computer hosting the site assigns to your computer browser when you access a Web site. Cookies help ensure a more accurate analysis of site usage. For example, our site may set a cookie on your browser that keeps you from needing to remember and enter a password more than once during a visit to the site. Whenever cookies are used, Cost-U-Less will not collect personally identifiable information without your permission.

In addition, our Web sites have security measures in place, including the use of industry standard secure socket layer encryption, to protect the confidentiality of Your Information. However, your browser must support encryption protection to take advantage of this protection. These security measures also help us to honor your choices for the use of Your Information.

Cost-U-Less may use technology that includes pixels and cookies on our Web site to support site tracking, measure site performance, and for product marketing. Our site places a cookie on your computer to identify you when you return, to personalize aspects of your experience at our site, and to better understand how visitors are using our site, all of which helps us to continually improve your experience on our site. These cookies contain no personal information and they will not damage your computer. We use industry standard encryption techniques to send cookies and your security is not compromised by their use. Your browser must be set to accept cookies in order to navigate the Cost-U-Less site.

Information We Disclose. We will disclose your information to the insurance company that we place your insurance needs with. Cost-U-Less is a broker and as such must release your information in order to secure insurance for you.

Information about our customers, former customers, and consumers who do not purchase products from us will be disclosed only as permitted or required by law, or as directed by the customer or consumer.

We may disclose information to affiliated and nonaffiliated insurance companies, insurance agents, reinsurance companies, consumer reporting agencies, government entities, and claims administrators. We may also disclose information to nonaffiliated third parties that perform services or functions on our behalf including the marketing of our products or services.

Consent to Processing: By providing any personal information to this Site, you fully understand and unambiguously consent to the transfer of such personal information to, and the collection and processing of such personal information in, the United States and other countries or territories.

By submitting this information you are authorizing Cost-U-Less or its agents or affiliates to contact you directly with quotes via telephone, fax, and email, regardless of the presence of your phone number(s) on any local or national no-call list.

Future Communications With You. As an Cost-U-Less customer, Cost-U-Less will contact you regarding your policy and our products and services, such as billing notices, confirmations of changes, modifications to the Cost-U-Less privacy statement, changes to our products, and other Cost-U-Less-specific communications. You may NOT unsubscribe from these Cost-U-Less-specific communications that relate to your primary usage of our service and products; and you agree to receive these if you make a purchase.

Security. Cost-U-Less uses encryption technology to protect your information. Our Web servers have been enabled with Secure Sockets Layer (SSL) technology to prevent unauthorized parties from viewing personal information provided to Cost-U-Less during a secure session.

All secure pages on our Web site have been issued a digital certificate by Secure Server Certification Authority. You can view this digital certificate affirming the security of our site by clicking on the image of the closed lock at the bottom of your browser window. A small frame displaying our site's security information will appear. Click on "Certification Path" to verify that you are on the Cost-U-Less site.

We restrict access to your personal information to our employees, our affiliates' employees, or others who need to know that information to service your request or account. We maintain strict physical, electronic, and procedural safeguards to protect your personal information.

Your Acceptance of this Policy: By using this Site, you signify your acceptance of our Privacy Policy. If you do not agree to this policy, please do not use our Site. We reserve the right, at our discretion, to change, modify, add, or remove portions from this policy at any time so visitors are encouraged to review this policy from time to time. Your continued use of our Site following the posting of changes to these terms means you accept these changes.

Contact Information
For further information or questions about this privacy policy, please contact.  Click Here for contact information.