SM2 Insurance

Whether it's auto, home, renter's, life, health or business insurance, SM2 Insurance offers you the complete choice advantage.

Since 2006, SM2 Insurance has provided millions of consumers with a free, simple, and effective way to shop for insurance. As a leading online marketplace for insurance, SM2 Insurance works with a combination of local agents, regional and national carriers to ensure that you are provided with a wide variety of responses to your request for a quote.

Helping you save money is important but so is your privacy. This policy outlines our commitment to protecting your information.

Your Privacy is Important to Us

At SM2 Insurance, your privacy is our chief concern. We understand that you entrust us with your private information to help us match you with an insurance agent (we refer to all of these as "Agents") who can meet your needs. In exchange for your trust, you expect and deserve our commitment to treat your information with respect. Rest assured that we protect your privacy. Under no circumstances will SM2 Insurance sell or share any personal information about you to or with any person or organization except: as authorized by you, to participating agents or other parties involved in your transaction, or as may be required by law or court order. The Privacy Policy below describes the standards we adhere to in handling information about you and your insurance quote request..

1. Who We Are and What We Do

SM2 Insurance is the leading online marketplace connecting consumers with insurance agents to compete for their business across a variety of insurance policy types. SM2 Insurance has been in business since 2006. SM2 Insurance is not an insurance agency and does not provide quotes directly to consumers. Rather, SM2 Insurance is a free matching service that instantly connects you with our nationwide network of quality insurance agents.

After you submit your quote request via our web site, SM2 Insurance immediately matches you to local and national agents who can meet your insurance needs. We create this connection by emailing you the list of matching agents and their contact information as well as passing your information to the agents. Your matching agents will use the information you provided in your quote request to run your quote and contact you with the details. Sometimes, SM2 Insurance does not have a matching agent based on your location and insurance needs. In this event, your information may be passed to one of our partner companies to ensure that you receive as many competitive quotes as possible.

Personal Information

SM2 Insurance collects the following personal information in each of our quote requests. We pass this information on to your matching agents so they can generate accurate quotes for you.

Auto	Home	Health
First and Last Name	First and Last Name	First and Last Name
Postal Address	Postal Address	Postal Address
Email Address	Email Address	Email Address
Phone Number	Phone Number	Phone Number
Driver's License Number *	Date of Birth	Date of Birth
Social Security Number*	Gender	Marital Status
Date of Birth	Social Security Number*	Level of Education
Gender		Occupation
Marital Status
Type of Vehicle Driven
Driving Habits and Record
Occupation
Level of Education

Life	Renter's	Business
First and Last Name	First and Last Name	First and Last Name
Postal Address	Postal Address	Postal Address
Email Address	Email Address	Email Address
Phone Number	Phone Number	Phone Number
Date of Birth	Date of Birth
Gender	Gender
	Social Security Number*

Group Health

First and Last Name

Postal Address

Email Address

Phone Number

Gender

We collect and track certain technical information to ensure that your consumer experience is a beneficial one. We may also use technical information to store your preferences and make future visits to our site quicker for you.

Cookies – a cookie is a small file stored on a user's computer that contains information about the user. We use either session ID cookies (which terminate once a browser is closed) or persistent cookies (which are small text files stored on a user's hard drive for an extended period of time). Cookies allow us to see how and when you use our sites, but they cannot be used to track personal information such as email address or phone number. Cookies also allow us to store the personal preferences that you set during each visit to our sites which can speed up your future visits.
Log files – SM2 Insurance uses log files to track how our sites are being accesses and used. Log files track anonymous user information such as IP addresses, browser types, Internet service providers, referring and exit pages, platform type, date and time stamps, and number of clicks to, from, and within our sites. Web logs are tracked only on SM2 Insurance's servers and do not place anything on your computer.
Information from Banner Ads – if you arrive at SM2Insurance.com through a banner ad, SM2 Insurance can track where you arrived from, as well as clicks that might have impacted our servers. This information is anonymous and cannot be used to gather personal information about you.

If you decide to communicate with us through the “Contact Us” section on our web site, we may ask you for personal information such as your name, email address, or phone number. This information is not sold to any third parties. Your information may, however, be shared with outside sources in order to resolve any problems you may have.

Our agent web site contains preliminary information for insurance agents who might like to join our network. If you are an agent and submit information through the “Request More Information” page, your email address and phone number will be used for contact purposes but not shared with any outside parties.

The affiliate section of our web site contains preliminary information for people who might like to join our affiliate network. If you sign up as an affiliate we will gather personal information such as name, postal address, and phone number. This information is used to contact you with information such as payment delivery notifications and a monthly affiliate newsletter. This information is never shared with any outside parties.

When you submit a quote request with SM2 Insurance, your information is used to match you with an average of three to four qualified, licensed agents who can best serve your insurance needs. In the event that we cannot match you with an agent, your information may be passed on to one of our partner companies in an effort to ensure you receive as many competitive quotes as possible.

SM2 Insurance uses technical information such as cookies and web logs to study how our sites are being used. We can also use cookies to track your preferences so that when you return to our web site, you can navigate more easily without having to re-enter certain information. By analyzing the data that cookies and web logs provide, we can determine how to improve our web sites and banner ad campaigns to better serve our customers.

Partner companies – in the event that no SM2 Insurance agents can serve your insurance needs, the information from your quote request may be passed to one of our partner companies. We feel it would be poor customer service to fail to provide a quote merely because no matching agents are available. In these circumstances, we pass your quote request only to partner companies that we have an existing contractual relationship. SM2 Insurance only enters into relationships with reputable companies and our contract requires they follow applicable laws and not misuse the data provided to them. Any contact from partner companies is not covered under this policy, nor are any further communications you may have with agents from those partner companies.
Companies that perform information processing on our behalf – SM2 Insurance partners with companies who manage our email systems and conduct surveys on our behalf. Your personal information is shared with these companies on a limited basis so that we can create and target our marketing campaigns.
Law Enforcement – SM2 Insurance will share your personal information in response to law enforcement officers, government personnel, court order or subpoena. This information will only be shared in order to comply with a legal obligation.

Minutes after you submit a quote request through SM2 Insurance, you will receive a confirmation email. This email will include your unique quote request ID, a link to your list of matching agents and helpful information to aid you in making your insurance choices. Note that the agents contained in your matching list will be those responding to you with your customized quote(s).

After submitting a quote request through SM2 Insurance, your quote request is matched with qualified, licensed agents. These agents may contact you via the information that you provided in your quote request.

You have the opportunity to sign up for SM2 Insurance's monthly newsletter on the last page of each quote request, within the newsletter center within SM2 Insurance.com, or on the designated areas located throughout the site. After signing up to receive this newsletter, you will receive a welcome email to confirm your subscription and provide you an opportunity to unsubscribe for any reason. You will receive the SM2 Insurance e-newsletter once a month to your email inbox. You can opt out of this newsletter at any time by clicking the Unsubscribe link in the email.

SM2 Insurance provides this site and the information provided herein as a service to its customers. The information and materials provided on this site are provided for general information purposes and may not be relied on as a substitute for professional or legal advice. The views or opinions expressed by the authors included herein do not necessarily reflect the views or opinions of SM2 Insurance or its affiliates. This information is not intended to create any legal relationship between SM2 Insurance and the user. Neither the transmission nor receipt of these materials will constitute a legal relationship between the sender and the receiver. The information is not guaranteed to be correct, complete, or current. SM2 Insurance makes no warranty, expressed or implied, about the accuracy or reliability of the information expressed herein, or at any other website to which this site is linked. SM2 Insurance also assumes no responsibility for the content and accuracy of materials contained in external sites to which links are provided on this website.

5. Altering or Deleting the Information You Submit Through the SM2 Insurance Web Site

SM2 Insurance email communications consist of our monthly e-newsletter. If you are subscribed to the newsletter and no longer wish to receive it, please take one of the following actions:

By submitting a quote request with SM2 Insurance, insurance agents will contact you using the phone number and email address provided. In order stop these communications, you must contact the agents directly and request that they stop contacting you.

If you decide to purchase insurance from one of the insurance agents matched to you through SM2 Insurance, all further contact with that agent is not covered under this policy. You should thoroughly read the Privacy Policy of the agent you select in order to make sure that you are comfortable with their policy.

SM2 Insurance is not an insurance agency. We are a free matching service that instantly connects you with our nationwide network of quality insurance agents. After you submit your quote request via our web site, SM2 Insurance immediately matches you to local agents and sends your information to them. This process happens instantly; therefore, there is not an opportunity for you to edit your original information after it's been submitted. We recommend that you communicate the needed changes directly to the agents with whom you were matched. You can find your agent(s) contact information in the email we sent you to confirm your quote request. This will ensure your updates are made and that the agent uses the most accurate information available to process your quote.

Certain areas of SM2 Insurance.com, such as areas only available to our agent network, may have additional or different terms and conditions than those addressed in this policy. If you access any of these areas, you should consult the privacy policies posted in those areas.

We may, at our sole discretion, revise this policy at any time in a manner consistent with applicable laws and regulations. When we revise this policy, including changes to SM2 Insurance's use of your personal information, we will incorporate the revisions into this policy and will revise the “last revised” date at the top of this web page. We recommend that you regularly visit this policy in order to remain informed about any changes that we may implement.

By filling out the forms and providing information about yourself on this and the following pages, you acknowledge and agree that:

You have read, understand and agree to SM2 Insurance's Privacy Policy, and SM2 Insurance may send you electronically (via email or otherwise) any notices with respect to the Privacy Policy
SM2 Insurance may provide the information you submit to third parties for the purposes of providing you information and quotes about insurance, that such third parties may contact you by the email addresses, physical address or phone numbers that you provide, and that such third parties may use your information to gather additional information about you, such as insurance or credit scores. You further agree that SM2 Insurance is not responsible for the third parties' compliance with any applicable law concerning telephone, e-mail, or facsimile communications with you.
SM2 Insurance may contact you using the information you provide.
You are an actual person, you have the right to provide the information you submit, and the information you submit is accurate, complete and truthful.
If you do not agree to the terms of this Privacy Notice and the Privacy Policy, then do not enter your information and do not continue with this process and do not provide your information to SM2 Insurance, in which case SM2 Insurance will not be able to have any quotes or information for insurance provided to you.

SM2 Insurance Privacy Policy