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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
your use of the Site in general.
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.
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 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.
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.
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.
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.
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.
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.
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.
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.
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
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.
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.
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
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
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:
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
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2005-10 Cost-U-Less Insurance Center.