Who we are

We at InsuredForum think that everyone has a right to privacy. We at InsuredForum aim to give our users the resources they need to take control of their identity. The information we gather, use, and share about you when you use our websites, mobile apps, widgets, and other online products and services (collectively, the “Services”), interact with us in any other way, or when we communicate with you is explained in this privacy statement. InsuredForum, Inc. (“InsuredForum,” “we” or “us”) respects your right to privacy and is committed to protecting it.

We only gather the bare minimum of data that can automatically be used to identify you. You don’t need to create an account if you just want to use our website. We don’t need your real name if you just want to sign up for an account to participate in a InsuredForum. Your exact location is not automatically tracked by us. You can choose how much or how little personal information to disclose. You have the option of creating additional accounts, making changes to your information as you see appropriate, or asking us to erase your information.

Any information we collect is mainly used for providing our services, which encourage social interaction and the growth of communities, the great majority of which are open to the general public. You can always ask us for further information if you have any questions about how we use your data

Comments

When visitors leave comments on the site we collect the data shown in the comments form, and also the visitor’s IP address and browser user agent string to help spam detection.

An anonymized string created from your email address (also called a hash) may be provided to the Gravatar service to see if you are using it. The Gravatar service privacy policy is available here: https://automattic.com/privacy/. After approval of your comment, your profile picture is visible to the public in the context of your comment.

Media

If you upload images to the website, you should avoid uploading images with embedded location data (EXIF GPS) included. Visitors to the website can download and extract any location data from images on the website.

Cookies

If you leave a comment on our site you may opt-in to saving your name, email address and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year.

If you visit our login page, we will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser.

When you log in, we will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year. If you select “Remember Me”, your login will persist for two weeks. If you log out of your account, the login cookies will be removed.

If you edit or publish an article, an additional cookie will be saved in your browser. This cookie includes no personal data and simply indicates the post ID of the article you just edited. It expires after 1 day.

Data collected by cookies and other related technologies

Cookies and other similar technologies may provide us with information. Cookies are small data files that your browser stores and transmits back to us when you make requests. We utilize this data to provide and manage our services and website, enhance your user experience, understand user behavior, personalize content and advertisements, assess the efficiency of advertising, and raise the bar on the standard of our Services. We keep and retrieve data about your language of choice and other settings, for instance. For more details on how InsuredForum uses cookies, see our Cookie Notice. Please go to “Your Choices” below for additional details on how to disable cookies.

Using Cookies Under Control

Most web browsers are configured by default to allow cookies. You may often instruct your browser to delete or reject both first-party and third-party cookies if you’d like. Please be aware that removing or rejecting cookies may have an impact on the functionality and availability of our Services. See our Cookie Notice for additional details on how to manage how cookies and related technologies are used on InsuredForum.

Embedded content from other websites

Suggested text: Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.

These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website.

How long we retain your data

If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognize and approve any follow-up comments automatically instead of holding them in a moderation queue.

For users that register on our website (if any), we also store the personal information they provide in their user profile. All users can see, edit, or delete their personal information at any time (except they cannot change their username). Website administrators can also see and edit that information.

What rights you have over your data

If you have an account on this site, or have left comments, you can request to receive an exported file of the personal data we hold about you, including any data you have provided to us. You can also request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal, or security purposes.

Where your data is sent

Visitor comments may be checked through an automated spam detection service.

Information That You Give Us

When you use the Services, we receive and store any information you voluntarily give us. This comprises:

Account information 

InsuredForum does not require an account to use it. When you register for a InsuredForum account, your username will either be one you choose or one that was produced automatically. Your username is visible to the public and need not be connected to your legal name. Depending on whether you register using an email address or a Single Sign-On (SSO) function, you might be required to give a password. (such as Apple or Google).

You can choose to submit additional, optional information when using InsuredForum. We could ask you to select communities (like /business) to join or interests (like money, business idea, or blogging tips) to help us develop a feed just for you. In addition, you can include other details like your bio, gender, age, location, or profile image. This data is optional and is always subject to removal. Your user account choices and information are also stored by us. Before you choose a username or create an account, we might ask you for these information in order to enhance your InsuredForum browsing experience.

What Data We Collect

If you request a password reset, your IP address will be included in the reset email.

Content you submit

We collect the content you post to the Services. This includes all of your posts and comments, including draughts that you’ve saved, broadcast audio and video, messages you’ve sent to other users (such , chats, and private messages), reports you’ve sent to moderators, and other correspondence with us. You can use text, links, photos, gifs, audio files, and videos in your content.

The actions that you take

We collect information regarding the actions you take while using the Services. Your interactions with the content, such as voting, saving, hiding, and reporting are included in this. Your interactions with other users, such as following, friending, and blocking, are also included. We keep track of your community interactions, such as your subscriptions and moderator status.

Information about transactions

Your name, address, email address, phone number, and details about the good or service you’re buying will all be collected from you if you buy goods or services from us (such InsuredForum Coins).

Additional information

You have the option of giving us additional information directly. We may get information from you, for instance, when you submit a form, take part in InsuredForum-sponsored events or promotions, apply for a job, contact customer service, or otherwise interact with us.

Information That We Automatically Collect

We might also automatically gather data about you when you use or access our services. This comprises:

Data from logs and use

We could keep records of your use of the Services and access to them. Your IP address, user-agent string, browser type, operating system, referral urls, device information (such as device ids), device settings, name of your mobile carrier, pages visited, links clicked, the requested URL, and search phrases may all be included in this. InsuredForum will destroy any IP addresses obtained after 100 days, other from the one used to create your account.

Geographical data

We may collect and manage location-related data. When you choose to provide location-specific information on our Services, we may get it from you. For example, we may link your content to a specific area, or we can deduce an approximate location from your IP address.

Details Collected from Other Sources

We might obtain information about you from outside sources, such as other users and third parties, and add it to the information we already have about you. Using a common account identifier, such as a hash of your email address or your mobile device ID, we may combine data you have provided to InsuredForum with demographic or interest information we receive about you from third parties, including advertisers (such as the fact that an advertiser is interested in showing you an ad). By going to the Safety & Privacy area of the User Settings menu in your account, as explained in the section below labelled “Your Rights and Choices,” you can choose how we use this information to tailor the Services for you.

Linked services

InsuredForum collects information on your use of a third-party service when it uses your authorization to access a third-party service (such as an unauthorized mobile app client). The other service may provide us data about your account with that service as a result of our services being linked. Using a third-party identity provider to sign in to InsuredForum, for instance, may allow that provider to share your email address with us. See “How Information About You Is Shared” below to find out how information is shared with associated services.

Information gathered through integrations

We might also get information about you from third-party websites that use our services, such our embeds and advertising technology, including log and usage data and cookie information. We might get information about the website you visited, for instance, when you go to a website that has InsuredForum embeds. Similar to that, if an advertiser uses InsuredForum ad technology, InsuredForum might get some restricted data about your activity on the advertiser’s website or app, like if you made a purchase. You have choice over how we use this information to tailor the Services to your preferences as detailed in the section below under “Your Choices – Controlling Advertising and Analytics.”

Information Obtained from Outside Sources

Embedded content

Through “embeds,” InsuredForum shows some connected content in-line on its services. For instance, InsuredForum articles containing links to Twitter or youtube may download the tweet or video directly from those sites to your device, preventing the need for you to leave InsuredForum in order to view it. Generally speaking, when third-party services deliver you their content directly through these embeds, InsuredForum has no control over how they collect data. As a result, the privacy rules of the service from which the content is embedded apply to embedded content rather than this one.

Analysis of audiences

To collect demographic data about the InsuredForum user base, we collaborate with service providers who perform audience measurement. These businesses collect cookie information to identify your device in order to give this demographic data.

Information obtained from current and prospective advertisers

We gather additional data if you use InsuredForum Ads . You need to enter your name, email address, and company information in order to sign up for InsuredForum Ads. You will be required to give transactional information as outlined above if you decide to purchase advertising services, and we might additionally need additional identification documents to confirm your identity. We may capture a session replay of your visit when you use InsuredForum Ads for customer support, troubleshooting, and usability research purposes.

Our Information Use

We make use of your personal data to:

Provide, maintain, and enhance the Services; Customize the features, services, and content to your preferences, actions, and settings.

Helping to enforce our User Agreement and other policies, blocking suspected spammers, dealing with abuse, and generally assisting in protecting the safety of InsuredForum and our users;

Provide, enhance, target, and assess the efficacy of advertisements displayed on our services;

Study and create new services;

You’ll receive technical notices, updates, security alerts, bills, and other administrative and support messages;

Service to customers;

Communicate with you regarding our offerings, events, and products as well as other news and information we believe you’ll find interesting (for information on how to unsubscribe from these communications, see “Your Choices” below); and

Trends, usage, and activities related to our Services are tracked and analysed.

Information Sharing Methods

Many of the Services’ contents are open to the public and available to everyone, account or not. You authorize us to disclose this information openly and publicly by using the Services.

Any visitors to and users of our Services will be able to see the content you contribute (such as a post, remark, chat message, or broadcast) to a public area of the Services, along with the username associated with the content and the date and time the content was initially posted.

There is a public profile page for your InsuredForum account. Your profile includes details about your use of the Services, including your username, previous posts and comments, karma, awards you’ve won, trophies you’ve accumulated, moderator status, InsuredForum Premium status, and the length of time you’ve been a user of the Services. You can also decide whether the information you upvote and downvote appears in your profile.

We provide social sharing tools that enable you to spread information or activities you take while using our Services across other platforms. Depending on the settings you specify with the third party that provides the social sharing function, your use of these tools makes it possible to share specific information with your friends or the general public. Please refer to the privacy policies of the third parties that provide these social sharing services for more details regarding the objectives and scope of data collection and processing in connection with those functions. (e.g., Tumblr, Facebook, and Twitter).

We never share any of your personal information. However, in addition to the publicly visible personal data indicated above, we may also share personal data in the following ways:

• With your permission. With your permission or at your request, we might disclose information about you.
• Paired with services. We will share the information you authorize with a third-party service if you link your InsuredForum account with it. According to “Your Rights and Choices” below, you can manage this sharing.
• With our suppliers of services. Vendors, consultants, and other service providers who require access to the information to provide services for us may receive information from us.

They will be required to follow the proper confidentiality and security protocols when using personal data. A few instances In addition to hosting our data and services in the cloud, third-party ad measurement providers also enable us and advertisers gauge the effectiveness of advertisements that are displayed on our services.

To comply with the law. If we believe disclosure is required or permitted by any applicable law, regulation, legal process, or governmental request, including, but not limited to, addressing national security or law enforcement obligations, we may release information in response to a request for information. We will make an effort to give you advance notice before responding to such a request, to the extent permitted by law. Additional details on our responses to government requests can be found in our Transparency Report.

During a crisis. If we think it’s necessary to stop someone from suffering serious and immediate bodily damage, we may share information.

To uphold our rules and legal rights. If we believe your actions are against our User Agreement, rules, or other InsuredForum policies, or to protect our rights, our property, and the safety of others, we may share information.

With our partners. InsuredForum, any of our parents, affiliates, subsidiaries, and other businesses that share our control and ownership may exchange information with one another.

De-identified or aggregated data. We might provide data about you that has been combined or anonymized so it can’t be used to reasonably identify you. For instance, we might reveal the overall amount of upvotes for a post without revealing the visitors’ identities, or we might reveal to an advertising how many people saw their ad.

How Your Information Is Safe With Us

We take precautions to assist guard against the loss, theft, misuse, and unauthorized access, disclosure, modification, and destruction of information about you. As an illustration, we employ HTTPS for data transmission. In addition, we apply administrative and technical access restrictions to govern who among our staff members has access to nonpublic personal information.

By setting up two-factor authentication, you can contribute to keeping your account secure.

We keep the data we gather for as long as it’s required for the goal (or goals) for which it was initially gathered. We might keep some data if it’s necessary for our legal obligations or for legitimate business needs.

Your Options and Rights

When using the Services, you can decide how to preserve your privacy and restrict the information that is gathered, used, and shared about you. You may also be able to request access to, or the ability to port, deletion or erasure of, correction or rectification of, your personal information, opt out of specific advertising practices, or withdraw consent where you have previously given consent for processing, depending on where you live. How to exercise each of these rights is described below. InsuredForum does not punish users unfairly if they use their legal rights in relation to data protection.

Information Access and Modification

Through the Services, you can view your information and make changes to or corrections to certain of it. For further details, please visit our Help Center website. By using this procedure, you can also ask for a copy of the personal data InsuredForum has on record for you.

Removal of Your Account

From the user preferences page, you can always remove your account’s data. By using the procedure outlined below this table, you can also file a request to have any personal information InsuredForum holds on you deleted. When you deactivate your account, the content you posted under that account is separated from your profile and is no longer accessible to other users. Please be aware, however, that unless you first delete the specified content, the posts, comments, and messages you made before cancelling your account will still be accessible to others. It could take up to 90 days for our purge script to completely erase your account after you request its deletion. We might also keep some of your information if it’s necessary for legal or business reasons.

Managing Your Account’s Access to Linked Services

Visit your account’s Apps page (for third-party app authorizations) and the Connected Accounts section of your Account Settings to evaluate the services you have allowed access to your account and withdraw access to specific services. (for Google Sign-In, Sign in with Apple, and connected Twitter accounts).

Refuse to Accept Targeted Advertising

You have the option to prevent us from utilising the data we gather from third parties, such as our advertising partners, to tailor the adverts you see on InsuredForum. If you’re using a desktop computer, go to the Safety & Privacy section of your User Settings here, and if you’re using the InsuredForum mobile app, go to your Account Settings.

Controlling Analytics and Advertising

When necessary and possible, we may offer extra tools and third-party services to help you better understand cookies and how to opt out. Some analytics providers with whom we work may offer special opt-out options. You may control how Google Analytics uses and collects specific data, for instance, by installing the Google Analytics Opt-out Browser Add-on.

Additionally, you can generally choose not to get tailored ads from specific third-party advertisers and ad networks. Please visit the websites of the Digital Advertising Alliance, the Network Advertising Initiative, or, if you are a user in the European Economic Area, Your Online Choices to learn more about these adverts or to opt out.

No Tracking

You can choose to send a Do Not Track signal to the websites you visit using the majority of contemporary web browsers, letting them know you do not want to be tracked. However, there is no agreed-upon protocol for how a site should react to this signal, thus we don’t do anything about it. We instead give you the choices outlined in this policy to control the collection and use of information about you, in addition to publicly accessible third-party tools.

Managing Advertising Communications

By following the instructions in such communications or by making the necessary changes to your email settings in your account preferences here, you can choose not to receive some or all categories of promotional emails from us. Even if you choose not to receive promotional emails from us, we may still contact you with non-promotional messages, such as updates about your account or how you’re using the Services.

Taking Charge of Mobile Notifications

We may use your permission to deliver push notifications or alerts to your mobile device that are both promotional and non-promotional. Whenever you choose, you can disable these messages by adjusting the notification settings on your mobile device.

The Control of Location Data

Through your account’s Safety and Privacy settings, you can manage how we use location data derived from your IP address for content suggestion purposes.

You can email us at ad***@rt******.com from the email address that you have verified with your InsuredForum account if you have questions or are unable to submit a request to exercise your rights via the processes above. You can alternatively submit them here.

You must have access to your InsuredForum account or a validated email address connected to your InsuredForum account before we can handle a request from you about your personal information. You can appeal our choice if we reject your request by getting in touch with us at ad***@tr*****.com.

Information for EEA Users Additional

Users in the European Economic Area have the right to request data portability in certain situations, access to, rectification of, or erasure of their personal data, a restriction on processing, the right to

Object to processing, and the ability to withdraw their consent for processing in cases where they have previously given it. You can exercise these rights as stated in the section above on “Your Rights and Choices.” The opportunity to file a complaint with a local supervisory authority is also available to EEA users.

We only gather and process information about individuals in the EEA where we have a legal basis for doing so, as required by applicable law. The Services you use and how you use them will determine our legal foundations. We handle your information based on the following legal justifications:

You have given us permission to do so for a specific reason; We need to process the information to provide you with the Services, such as to run the Services, provide customer support and personalised features, and protect the safety and security of the Services; It serves a legitimate interest (that is not overridden by your data protection interests), such as preventing fraud, ensuring network and information security, enforcing our rules and policies, protecting our rights and property, etc.

To fulfil our legal duties, we must process your information.

InsuredForum . Is based in Nigeria, and our servers there are where we handle and store your information. Depending on a number of factors, such as the locations of our users and service providers, we may keep information on servers and equipment in other nations. You consent to the processing, transfer, and storage of information in and to the U.S. and other countries, where you might not have the same rights as you do under local law, by accessing or using the Services or by otherwise giving information to us.

We rely on the Standard Contractual Clauses authorized by the European Commission for such transfers or other transfer methods deemed “adequate” under applicable laws when we transfer the personal data of users in the EEA, UK, and/or Switzerland.

Additional Information for Users in California

We are required to provide California residents with additional information under the California Consumer Privacy Act (“CCPA”), as amended, which we address in this section.

Depending on the Services utilized, we gathered the following categories of personal information from California residents over the previous year:

• Identifiers such your IP address, email address, InsuredForum username, and cookie data.
• Commercial data, such as details on any transactions you have with us.
• Information regarding your use of the Internet or other electronic networks, including information about your interactions with our Services and, to a lesser extent, information about your interactions with the services of advertisers who employ our advertising technology.
• Geolocation data based on your IP address, or more precise location data if you give your device permission to share it with us.
• Your correspondence with users (e.g., private messages, chats, and modmail).
• Information that is visually represented in InsuredForum material such as images, sounds, or videos.
• Information about your background, including demographic data, but only if you voluntarily give it to us by completing a survey or applying for a job, for example.
• Conclusions we draw from other data we’ve acquired for things like analytics, advertising, and content recommendation.

You can learn more about (a) the data we gather and the sources of that data in the section of this notice titled “Information We Collect,” (b) the business and commercial motives behind data collection in the section titled “How We Use Your Information,” and (c) the types of third parties with whom we share data in the section titled “How We Share Information.”

If you live in California, you also have additional rights under the CCPA, such as the right to refuse any sales or sharing of your personal information, the right to access information about our data practices, the right to ask to have your personal information deleted or corrected, and the right to be treated fairly if you exercise those rights. According to the CCPA, InsuredForum does not “sell” or “share” users’ personal information. Except to the extent necessary to provide you with the Services or as otherwise permitted by the CCPA, we do not use or disclose sensitive personal information.

As outlined in the “Your Rights and Choices” section of this notice, you can exercise your rights to access, remove, or rectify your personal information. When you submit a request, we will ask you to sign into your account or, if further information is required, ask you a series of questions to help us confirm your identity. An authorized agent may also be used to request rights on your behalf. We may ask the authorized agent to show documentation that you gave the agent signed authorization to submit the request to exercise rights on your behalf if you submit a right request from someone who is not represented by a valid power of attorney. Without a legal power of attorney, we may additionally need you to confirm your own identity to us directly or to attest to us that you gave the authorized agent authority to make the request in any other way. You can contact us using [email protected]

Children

It is prohibited for anyone under the age of 13 to register for an account or use the Services in any other way. You must also be older than the legal minimum age in your country to open an account or use the Services in any other way if you reside outside of the United States, or we need to have gotten verifiable parental or guardian approval.

Revisions to This Policy

This privacy statement may vary from time to time. If we do, we will notify you by updating the policy’s top date. If you have elected to give an email address for your account, we may additionally notify you by sending an email to that address or by making other announcements through our Services if the changes, in our sole judgement, are material. To be updated about our information practises and the ways you may support the protection of your privacy, we invite you to regularly examine the Privacy Policy. You agree to be bound by the updated policy if you keep using our services after the Privacy Policy has changed.

Contact Us

Please get in touch with us at: if you have any additional questions regarding this privacy policy.

Please use the contact form to reach us by email.

Or at:

InsuredForum, 20 Calabar street Garki Abuja, Nigeria