NEXT PRIVACY STATEMENT

Last Revised: May 1, 2017

Next Insurance Inc. (“Next,” “we,” “us,” or “our”) is committed to protecting your privacy. This Privacy Statement (“Statement”) explains our information practices. It applies to any personal or other information you provide to Next and, subject to local law, any personal or other information we collect about you from other sources. In this Statement, “Next” also refers to Next’s affiliates and subsidiaries.

Collection of Your Information

Next may collect personal information in order to underwrite, sell, solicit, and negotiate insurance products and services. In so doing, we may collect information that includes your name, phone number, home address, work address, email address, date of birth, gender, marital status, financial data, and employment history. We may also collect business information and other sensitive information such as your criminal background, and information relating to insurance or employee benefit programs. 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 and within our Terms of Use and Cookies Notice. You may provide us with personal information, and we may also 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. If you provide personal information about other individuals, such as your employees or dependents, you must first obtain their consent. You must provide only accurate information, and refrain from providing information that is not necessary or requested.

We also may collect information online when you visit our websites or access our Services from your computer or other device, or interact with us on or through social media.

Information You Submit

In using our Services, you may choose to communicate with us by providing us with feedback, comments, questions, or proposals. In so doing, you agree that any content you submit to us is not confidential or proprietary in nature, and does not impose upon us any obligation. Under no circumstance will your submission of information obligate Next to pay you compensation. Any information you submit to Next immediately becomes our property, and as such, we are entitled to use or disclose any such information at our sole discretion.

You may provide your information as part of an attempted or completed request for a quote or offer for goods and services of a third-party vendor. In doing so, you agree to allow Next to use this information in any way consistent with the Terms of Use. When you submit contact information to us as part of an attempted or completed request for a quote or offer for goods and services, you consent to receive telephone calls, emails, text messages, mailers, or other similar communications in connection with these goods and services. This is true even if your phone number is on any “do not call” list.

Next’s Right to Contact You

You authorize Next to contact you with relation to our Services and products or Services offered through our Services if you expressly provide us with your contact information in connection with our Services or the products or services offered through our Services. This authorization is without regard to any “do not call” list registry.

Website and Mobile Applications

When we refer to “website,” we are also referencing our mobile applications, as well as future iterations of our websites and mobile applications.

You consent to the processing of your personal information in accordance with this Statement by accessing and navigating our website. This includes Next placing cookies on your device, as described further in our Cookie Notice.

We aim to collect only a limited amount of personal information, such that we can best serve you and improve your online experience. In doing so, we may collect contact information about yourself or others, including name, phone or mobile number, e-mail address, and postal address. We may also save information related to your user name, password, and password reminder questions and answers. We collect information you enter or request while interacting with or on our website. Next collects some information using automated technologies such as web server logs that compile IP addresses, web beacons, and cookies.

Cookies

Next collects information about how you use our website by using cookies. A cookie is a small text file that is stored on your device, either temporarily or permanently, and allows us to recognize you, track your preferences, and learn about how users interact with our website. You can configure your internet browser preferences to limit the acceptance and storage of cookies, but blocking all cookies may severely 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.

More detailed information about our use of these technologies may be found in our Cookie Notice.

Social Media

If you choose, you can interact with Next via social media websites, plug-ins, or applications. Should you decide to link your account with us or otherwise interact with us through social media, you may make available information from your social media account, including but not photographs, postings, shared content, and “Like” button or “Reactions” button activity. Your privacy settings on social media platforms determine the information made available to us when you engage with via social media. Please refer to the privacy statements, settings, and help guides of these social media platforms to learn more

Public Forums

Our Service may provide an online forum through various potential functionalities, including messaging, comments, chat rooms, blogs, and other similar mechanisms, which may allow you its third-party business partners have any control whatsoever over the user-generated content contained in such a forum provided through our Services, and therefore will bear no liability for the content’s accuracy, suitability, legality, or inoffensiveness. Next bears no responsibility or obligation to monitor user-generated content, but nevertheless reserves the right to remove or edit user-generated information for any reason whatsoever. Should you encounter any issues with user-generated content, please contact us immediately at admin@next-insurance.com.

Mobile Devices

If you connect to our Services with your mobile device, we may collect certain information automatically, including but not limited to your mobile device’s unique device identification, IP address, mobile operating system, internet browsers in use, and location. We also may collect information about the way you use our Services. Should you choose to provide Next with your mobile phone number, you consent to the use of your number for the purposes identified in our Terms of Use. If you choose to receive text or other notifications from us on your mobile device, you also consent to the use of your phone number for that purpose.

Use of Your Information

The personal information we collect may be used to:

  • provide information and services as requested by you;
  • determine eligibility and process applications for products and services;
  • inform products and services we may offer;
  • communicate, service, and bill accounts or clients;
  • inform the research and development of new products and services;
  • administer claims;
  • analyze claims data or other data;
  • obtain and update insurance or credit information with appropriate third parties, such as credit reporting agencies;
  • monitor accounts and the servicing thereof;
  • conduct employee and other training;
  • market products and services to you, with your consent as necessary;
  • fulfill contractual obligations;
  • for additional purposes, with your consent

Third-Party Websites

When you access third-party sites through hyperlinks found on our website, different terms of use and privacy policies may apply. Next therefore cautions users to conduct independent evaluations of these third-party sites and consult their privacy statements.

Business Partners

Next does not rent, sell or otherwise disclose personal information about you with unaffiliated third parties for their own marketing use without your consent. We disclose personal and other sensitive information, as necessary, in providing our products and services. In order to sell, solicit, and negotiate insurance, we may disclose your information to insurers, reinsurers, insurance intermediaries, brokers, underwriters, insurance reference bureaus, medical service providers, fraud detection agencies, our advisers, loss adjusters, lawyers, accountants, and others involved in the claims handling process.

Authorized Service Providers

Next may disclose your information to our service providers which are contractually restricted from using or disclosing your information except as necessary to perform services on our behalf or to comply with legal requirements.

Legal Requirements and Business Transfers

We may disclose your personal or other sensitive information if we are required to do so-or have the good faith belief that such action is necessary-to conform to the edicts of the law or comply with legal process served on Next, in response to law enforcement authority or other government official requests, when necessary or appropriate to prevent physical harm or financial loss, in connection with an investigation of suspected or actual illegal activity, or, in the event that Next is subject to a merger or acquisition, to the new owner of the business. Disclosure may also be required for company audits or to investigate a complaint or security threat.

Transfer of Your Information Across Geographies

Next may transfer certain personal or other sensitive information across geographical borders to Next entities or service providers working on our behalf. We may also store your personal or other sensitive information in a jurisdiction other than where you are based. By providing personal or other sensitive information to Next, you consent to this transfer, storage, and processing of data across borders. Next makes all such transfers according to applicable law.

Accessing and Updating Your Information. Next reasonably attempts to maintain accurate and complete records containing your personal and business information. Additionally, you can update your own information in a number of ways. You can update your contact information online if you have created a profile or online account. If you signed up for electronic communications from us, you can unsubscribe at any time, as we advise in the instructions included in that communication. Likewise, if you elected to receive push notifications through your mobile device, you can stop them by changing your preferences through your device or application settings. You may also uninstall our application through your mobile device’s uninstall process if you no longer wish for the mobile application to collect information or be on your device. As described in our Cookie Notice, you may modify your web browser settings to accept or refuse cookies.

You may also contact us via e-mail or the postal address listed in the Contact Us section at the bottom of this Statement. Please provide your current contact information, describe the information you want to access, and your requested changes. We will provide you access to the personal information requested, subject to reasonable limitations provided by law, and unless it violates third party privacy. Should we be unable to provide you with access requested, we will tell you why that is the case.

Your Obligations Regarding Your Information

If your use of our Services requires you to create a username or password, you agree and you acknowledge it is your sole responsibility to maintain the security of your username and password. You agree that Next shall not be held liable for any loss you may suffer as a result of the authorized or unauthorized use of your username or password by a third party. You also agree to immediately notify us of any unauthorized use of your account or any other breach related to our Services, of which you become aware, by sending us an email at admin@next-insurance.com.

Next Does Not Intend to Collect Information of Children

We understand the importance at protecting the privacy of children. Our website is not intentionally designed for or directed at children, and we do not knowingly collect personal information from children on our website.

Changes to this Statement

We may modify this Statement from time to time to reflect our current privacy practices. The date this Statement was last updated may be found at the top of this page. We encourage you to periodically review this Statement so that you will be aware of our privacy practices.

Contact Us

If you have any questions relating to this Statement or your personal information that Next maintains, or wish to change the specific personal information you have provided, please contact us at the Next Privacy Office, Next Insurance, Inc., email at admin@next-insurance.com, or by postal mail at: PO Box 60787, Palo Alto, CA 94306.

NEXT COOKIE NOTICE

Last Revised: March 14, 2016

This Cookie Notice is part of our Terms of Use and Privacy Statement, and is incorporated therein by reference. For more information on how we protect, collect, use, and disclose personal and other information, please see these documents. By using Next’s Services, you agree that we can place cookies on your device as described herein.

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/.

Next’s Cookie Use

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 custom 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-which are usually one-pixel electronic images inserted in web content or email messages, 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.

This website does not utilize targeting cookies, which deliver targeted advertising. However, third-party websites on which Next may advertise, may use these 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. Next does not glean personal information from the use of web beacons, but rather uses this technology to gauge the effectiveness of our ads and compile aggregated data about website users. 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 glean information about your user activity.

Your Control of Cookies. 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.

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.