Last updated: May, 15, 2023
This Privacy Policy describes the policies of Buoy Boat Holdings LLC and its licensed insurance producer affiliate Business Owners Liability Team LLC d/b/a Bolt Agency (“Bolt Agency”), its affiliates and subsidiaries (individually and collectively, “Buoy”, “We”, or “Our”) regarding the collection, use, disclosure, and protection of information that you provide on this website https://buoy.rent/terms-and-conditions/ (the “Website”).
Buoy understands how important the privacy of personally identifiable information is to the Users of the Website (“Users”). This Privacy Policy will tell you what information We collect about you and about your use of the Website and its services. It will explain the choices you have about how your personally identifiable information is used and how We protect that information. We urge you to read this Privacy Policy carefully. Please note that this is a master privacy policy and some of its provisions only apply to individuals in certain jurisdictions.
Important note: Nothing in this Privacy Policy is intended to limit in any way your statutory right, including your rights to a remedy or means of enforcement.
We reserve the right, at Our sole discretion, to modify this Privacy Policy at any time and without prior notice, which will be effective ten (10) days following the posting of the modification or otherwise providing notice to You, whichever occurs first, and will apply to causes of action arising after the effective date of the change. We will inform You regarding such modifications by posting such changes or otherwise providing notice to You. You should continue to check the Privacy Policy for changes. Your continued use of the Website after changes to the Privacy Policy or otherwise providing notice to You, whichever occurs first, will mean You accept those changes. If the modified Privacy Policy is not acceptable to You, Your only recourse is to cease using the Website.
For the purpose of this Privacy Policy:
“Personally Identifiable Information” means any information that may be used to identify an individual, including, but not limited to postal address, telephone number, fax number and e-mail address, and also may include certain business information, such as employer name, occupation, job function, job title and the list of insurance companies you will be communicating via the Website.
“De-identified Information” means information which does not enable identification of an individual User or household, such as aggregated information about the use of the Website and its services.
If you choose to register with the Website for certain services (such as insurance products and services), We require you to submit information on your behalf or on behalf of any third party that may include Personally Identifiable Information. You represent and warrant that you have the necessary rights and authorizations to submit, use and authorize Buoy to use such third party Personally Identifiable Information. Buoy may also collect through its services electronic data or information that you submitted to an insurer and that you receive from an insurer and/or any third party (“Third Party Data”). Buoy logs information about your transactions performed via the Website. This information includes, but not limited to, the following events:
The Website only collects Personally Identifiable Information and Third-Party Data as described in this Privacy Policy. You are responsible for ensuring the accuracy of the Personally Identifiable Information, De-identified Information and Third-Party Data you submit via the Website. Inaccurate information will affect the information you receive when using the Website and tools and Buoy's and the insurers' ability to contact you as contemplated in this Privacy Policy. For example, your email address should be kept current because that is how We communicate with you.
Finally, please note that some Personally Identifiable Information will be used for detecting, taking steps to prevent, and prosecution of fraud or other illegal activity, to identify and repair errors, to conduct audits, and for security purposes. Personally Identifiable Information may also be used to comply with applicable laws, with investigations performed by the relevant authorities, law enforcement purposes, and/or to exercise or defend legal claims. In certain cases, We may de-identify Personally Identifiable Information. We may use De-identified Information and/or disclose it to third parties without restrictions (for example, in order to improve Our services and enhance your experience with them).
We collect and combine information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with you or your household (“personal information”) such as names, email addresses, IP addresses, telephone numbers and broader categories of personal information such as commercial information. The categories of personal information we may collect about you depend on your interactions and engagement with us and include personal information you provide directly to us, personal information collected automatically through your use of our online services and personal information obtained from third party sources.
Some of the Website pages utilize “cookies” and other tracking technologies. A “cookie” is a small text file that may be used, for example, to collect information about Website activity. Some cookies and other technologies may serve to recall Personally Identifiable Information previously provided by a Website User. Most browsers allow you to control cookies, including whether or not to accept them and how to remove them. You may set most browsers to notify you if you receive a cookie, or you may choose to block cookies with your browser.
We collect and analyze traffic on the Website by keeping track of the IP addresses of Our visitors. IP addresses are unique numeric identifiers that are assigned to each computer browser accessing the Internet.
We work with (or may in the future work with) network analytics service providers and other vendors to provide Us with information regarding traffic on the Website, including pages viewed and the actions taken when visiting the Website; to provide Us with information regarding the use of the Website. Our service providers may collect certain information about your visits to and activity on the Website as well as other websites or services, they may set and access their own tracking technologies on your device (including cookies and web beacons) and may use that information to show you targeted advertisements. Some of these parties may collect Personal Identifiable Information when you visit the Website or other online websites and services. We may also share certain De-Identified Information with these parties, including Hashed Information, in connection with the services they provide to Us.
Buoy will not disclose Personally Identifiable Information to any Third-Party Data to anyone outside of Buoy, except as described in this section.
In the event that Buoy is acquired by or merged with a third-party entity, We reserve the right, in any of these circumstances, to transfer or assign to such third-party entity the information We have collected from Our Users as part of such merger, acquisition, sale, or other change of control. In the unlikely event of Our bankruptcy, insolvency, reorganization, receivership, or assignment for the benefit of creditors, or the application of laws or equitable principles affecting creditors' rights generally, We may not be able to control how your Personally Identifiable Information and Third-Party Data is treated, transferred, or used.
We restrict access to nonpublic Personally Identifiable Information about you to those employees whom We have determined need to know that information to provide products or services to you.
The Website may contain links to other sites. Once you enter another website (whether through an advertisement, service, or content link), be aware that Buoy is not responsible for the privacy practices of such other sites. We encourage you to look for and review the privacy statements of each and every website that you visit through a link or advertisement on the Website.
The Website may use a third party to present or serve advertisements that you may see at the Website. These third-party ad servers may use cookies, web beacons, clear gifs, or similar technologies to help present such advertisements, and to help measure and research the advertisements' effectiveness.
The Website is for insurance products and services and is not intended for children. We offer insurance products and services and thus do not market any products or services to children under the age of thirteen or knowingly collect any information from children under the age of thirteen. If We become aware that information is or has been submitted by or collected from a child under the age of thirteen, We will delete this information.
You have certain choices about your Personally Identifiable Information. Where you have consented to the processing of your Personally Identifiable Information, you may withdraw that consent at any time and prevent further processing by contacting Us as described below. Even if you opt out, We may still collect and use non- Personally Identifiable Information regarding your activities on Our services and for other legal purposes as described above.
“Do Not Track.” Do Not Track (“DNT”) is a privacy preference that Users can set in certain web browsers. Please note that We do not respond to or honor DNT signals or similar mechanisms transmitted by web browsers.
Marketing emails – opt-out: You may choose not to receive marketing email of this type by sending a single email with the subject “BLOCK” to hello@buoy.rent . Please note that the email must come from the email account you wish to block.
In accordance with applicable law, you may have the right to request:
You can access the quote information you provided and update it at any point during the Interview by navigating to previous pages and making the necessary changes. Upon completing the Interview, but as long as you have not yet purchased a policy, you can revise information you provided during the interview by going to the relevant data entry screen through the top progress bar or by using the “BACK” button. After you have revised the information, proceed forward to get a revised quote reflecting the changes you have made.
If you would like to exercise any of these rights, you can send an email to hello@buoy.rent.
While We cannot guarantee privacy perfection, We will address any issue to the best of Our ability as soon as possible.
We will process such requests in accordance with applicable laws. To protect your privacy, We will take steps to verify your identity before fulfilling your request.
This Privacy Notice for California Residents supplements and is expressly made part of the information contained in this policy, and applies solely to all visitors, Users, and others who reside in the State of California (“consumers” or “you”). We adopt this Notice to comply with the California Consumer Privacy Act of 2018 (CCPA). Any terms defined in the CCPA have the same meaning when used in this Notice.
Buoy, including its website, collects information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or device (“personal information”). In particular, Our websites and agents, have collected the following categories of personal information from consumers within the last twelve (12) months*:
*We have seperated this information into three categories: (1) Category, (2) Example and (3) Collected Y/N.
(1) Identifiers
(2) Valid name, postal address, IP address, email address, SSN, driver’s license. FEIN, Social Security Number, or other similar identifiers.
(2) Yes
(1) Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e))
(2) Valid name, signature, Social Security Number, address, telephone number, passport number, driver's license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, health insurance information. Personal Information does not include publicly available information that is lawfully made available to the general public from federal, state, or local government records. Note: Some personal information included in this category may overlap with other categories.
(3) Yes
(1) Protected classification characteristics under California or federal law
(2) Age, marital status, sex (including gender, gender identity, gender expression, veteran, or military status
(3) Yes
(1) Commercial information
(2) Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.
(3)Yes
(1) Biometric information
(2) Physiological, biological, or behavioral, characteristics (including DNA) that can be used to establish individual identity, or imagery of the iris, retina, fingerprint, face, hand, palm, vein patterns, and voice recordings, from which an identifier template such as a faceprint, a minutiae template, or a voiceprint, can be extracted and keystroke patterns or rhythms, gait patterns, or rhythms, and sleep, health or exercise data that contain identifying information.
(3) No
(1) Internet or other electronic network activity
(2) Information on a consumer's interaction with Buoy website and application.
(3) Yes
(1) Geolocation data
(2) Physical location
(3) Yes
(1) Sensory data
(2)Audio, electronic, visual, thermal, olfactory, or similar information.
(3)No
(1) Professional or employment-related information
(2) Current or past job history or performance evaluations.
(3) No
(1) Non-public education information (per the Family Educational Rights and Privacy Act (20 U.S.C. Sec. 1232g, 34 C.F.R. Part 99))
(2) Education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records.
(3) No
(1) Inferences drawn from other personal information to create a profile about a consumer
(2) Profile reflecting a consumer's preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.
(3) No
Buoy obtains these categories of personal information listed above from the following categories of sources:
If you decide to exercise your rights, you will not receive any discriminatory treatment by Us for the exercise of the privacy rights conferred by the CCPA. However, note that some features of Our website, Our products and/or Our services will not function without your Personal Information. Unless permitted by the CCPA, We will not:
We do not sell any personal information and We do not disclose any personal information for any business purpose. Therefore, We have not sold or disclosed consumers’ personal information for a business purpose in the preceding 12 months.
