Zillion Privacy Policy

Effective date: September 12, 2018

Please read this Privacy Policy carefully. It describes how Zillion Insurance Services, Inc. (“Zillion”) collects or obtains and handles information about you and your purchases from our Retail Partners, and how we protect that information. Capitalized terms used but not defined in this Privacy Policy have the meanings assigned in Zillion’s Terms of Use at myzillion.com/terms.

This Privacy Policy is incorporated as part of the Zillion Terms of Use that apply to your use of the Services. When you use our Services, you acknowledge that you have accepted the Zillion Terms of Use and this Privacy Policy without exception. You also acknowledge that you consent to our privacy practices, including our use and disclosure of your Personal Information (as defined below). If you provide us with information about any individuals other than yourself, such as any other interest holders in the insurance policies you have purchased from us, you represent that you have obtained any consent required to share that person’s information under any applicable laws, rules, or regulations and have directed them to this Privacy Policy. If you do not consent to the Terms of Use or this Privacy Policy, please do not use our Services or provide any Personal Information.

Information Zillion Collects or Obtains and How It Is Used
Personal Information. Zillion collects certain information from you through our Site, by email or by other means. Zillion also obtains certain information about you, with your permission, from our Retail Partners, which they have collected from you through their online web-stores or by other means. This information includes personal information about you and any other interest holders in the insurance policies you have purchased from us (“Personal Information”), including your name, address, email address and phone number, and the name, address, email address and phone number of any other interest holders. Zillion is responsible for how we store, process or disclose that information. We don’t sell or lease Personal Information to third parties, and we don’t share Personal Information with third parties except as specified in this Privacy Policy. Zillion uses your zip code, together with information about your jewelry purchases from our Retail Partners and information you have provided to us about your jewelry insurance claims history, to make insurance pricing and underwriting decisions regarding insurance coverage you request for items you purchase from our Retail Partners. We provide your name, address, email address and phone number, and the name, address, email address and phone number of any other interest holders in the insurance policies you have purchased from us, together with the information we used for pricing and underwriting your insurance policy, to our Insurance Partners when you purchase insurance coverage. Zillion also uses all of this information we obtain about you and your purchases from our Retail Partners to provide the Services and to market additional products and services to you. Although we carefully select our Insurance Partners, and believe each one shares our commitment to your privacy, we have no control over how they use, or disclose your Personal Information. All Insurance Partners are required to manage your Personal Information in accordance with applicable law and regulations. Our Insurance Partners have their own privacy policies regarding how they handle your information. Our current Insurance Partner is AXA Insurance Company. We encourage you to review our current Insurance Partner’s privacy policy in addition to this Privacy Policy at https://www.axa-art.com/us/en/privacy.

Anonymous Analytics Information
. Zillion has partnered with Google Analytics to collect non-personal information about how our Site is used (“Analytics Information”). Google Analytics collects anonymous Analytics Information about how many times our visitors, including you, visit our Site, what they visit when they explore our Site, and what other websites they visit before and after visiting our Site. We use this Analytics Information to enhance the quality of our Services generally for all our users. Zillion does not share our visitors’ Personal Information, including your Personal Information, with Google. You can learn more about how Google uses information at: www.google.com/policies/privacy/partners/.

Site Visit Information
. Zillion collects other types of non-personal information whenever you visit our Site. By “Site Visit Information” we mean information that does not identify you personally, such as IP address, device information, and browser information. This information helps Zillion operate our Site, provide the Services, including advertisements, ad serving, and technical support, as well as enhance the quality of our Services generally for all our users.

Other Uses of the Information
. In addition to the uses of the Personal Information, Analytics Information and Site Visit Information described above in this Privacy Policy, Zillion may use such information with certain trusted third-parties to perform functions and provide services to us, including underwriting, order processing, invoicing and payments processing, customer relationship management, database storage and management, data security and reliability, advertising, and direct marketing campaigns. Also, Zillion may disclose, at its sole discretion, your Personal Information or Site Visit Information to comply with a legally binding request, including a subpoena, warrant, or similar legally enforceable request for information; to defend our rights and/or property or the rights or properties of others; to enforce our Terms of Use and/or this Privacy Policy; to respond to claims that the content(s) of a communication violates the rights of another; or to detect, prevent or otherwise address fraud, security, or technical issues. In addition, Zillion reserves the right to disclose and transfer all such information, including your Personal Information: (i) to a subsequent owner, co-owner or operator of the Site or applicable database; or (ii) in connection with a merger, consolidation, restructuring, the sale of substantially all of our interests and/or assets or other corporate change, including, during the course of any due diligence process.

Zillion’s Use of Cookies
“Cookies” are electronic files many websites place on a visitor’s computer or mobile device to store information that makes each visit to a respective site more efficient. Zillion uses both “session” cookies and “persistent” cookies on its Site. A session cookie stores information about you only while you are visiting our Site, and is then deleted when you leave our Site. Persistent cookies store information about you, your preferences, and information about other websites you visit, and it remains on your computer or mobile device after you leave our Site. To remove cookies, you may configure your browser to clear all cookies, or configure it to reject cookies whenever you visit a new website. Please consult your browser’s user guide for specific instructions on removing cookies.

As discussed above, Zillion partners with Google Analytics to improve the quality of our Site, and to present to you more relevant advertising. Google Analytics may install persistent cookies on your computer or mobile device to perform these services when you first visit our Site. This allows Google Analytics to track your activity on Zillion’s Site and on other websites you visit. You should be aware that Zillion cannot control Google Analytics’ use of cookies, and their use is not covered by our Privacy Policy.

Payment Card Information
Zillion does not collect credit, debit, or other financial data on its Site, and we never have access to that information. Zillion partners with Stripe to collect and process your credit or debit card payments. You can review Stripe’s privacy policy here: https://stripe.com/us/privacy. No Insurance Partner has access to credit, debit or other financial data from Zillion or Stripe.

Tracking Activity Across Other Websites
Zillion may track your activity across multiple websites. When you visit our Site, we automatically collect the name of the website you visited from (called the “referring page”) and the name of the website you chose to visit immediately after ours (called the “exit page”), and information about other websites you have recently visited. This information is used to improve our Site, but we cannot identify you from any information we receive from cookies (see “Zillion’s Use of Cookies”). Zillion does not honor the “Do Not Track” settings available on most browsers. When Zillion’s Site detects the Do Not Track signal from your browser, it will still collect referring and exit page information and other information when you visit our Site. Zillion does not disclose this information to any third parties, including any Insurance Partner.

Marketing Messages From Zillion
Zillion may send you marketing communications regarding our Services and third party offerings we believe may be of interest to you. You can always choose to stop receiving newsletters, marketing emails or other marketing communications from us by clicking the “unsubscribe” link at the bottom of a Zillion marketing message.

Children’s Use of Zillion’s Website
Our Site is not directed at children under 18, and we do not knowingly collect Personal Information or other information from children under 18. Zillion does not permit users under the age of 18 to use our Site for any reason. If you are the parent of a child under the age of 13, and you believe he or she has shared information with Zillion, please contact us at privacy@myzillion.com so we can remove their information from our systems.

Use of Zillion’s Site From Outside the United States
Zillion is based in the United States, and our Site is hosted there. If you are visiting our Site from another country, the laws governing our Site’s collection and use of personal information may be different from the laws of your country. If you decide to visit our Site or share your Personal Information with Zillion, you are agreeing to be governed by the laws of the United States, and you are expressly consenting to the transfer of your data to the United States.

Following a Link to a Third-Party Website
Zillion’s Site may contain links to third-party websites. Those websites are governed by their own privacy and data use practices and policies. Zillion does not have control over the privacy practices of the advertisers or other third-parties operating these websites, and we have no control over how these third parties collect or use the information you chose to share with them.

Zillion’s Protection of Your Information
Zillion takes the security of your Personal Information very seriously. Zillion uses reasonable administrative, physical, and technical safeguards to secure the Personal Information you share with us. Despite these safeguards and our additional efforts to secure your information, Zillion cannot promise or guarantee that hackers, cybercriminals, or other unauthorized third-parties will be unable to defeat our security, and improperly collect, access, steal, or modify your Personal Information.

Changes to This Privacy Policy
Zillion may update our Privacy Policy to reflect changes to our Site or Services and our information practices. If we make any material changes, we will notify you by posting a notice on our Site with a link to our revised policy. We encourage you to periodically visit this page for the latest information on our privacy practices.

Contacting Zillion
For questions about this Privacy Policy or about Zillion’s privacy and information security practices generally, please contact Zillion at privacy@myzillion.com or at Zillion Insurance Services, Inc., 3000 El Camino Real, Bldg. 4, Suite 200, Palo Alto, CA 94306, Attention: Privacy Office, c/o Office of the General Counsel.

Zillion partners with jewelers to offer their customers lower rates on jewelry insurance. If you don’t see your jeweler on our list, we’re sorry, we won’t be able to offer you a quote for insurance. If you purchased from a Preferred Jewelers International retailer please email us at partners@myzillion.com and let us know the name of the retailer. Thank you.