Privacy Policy

Last Updated: July 10, 2014

This Privacy Policy describes how we use, collect, and share information in connection with your use of the Services.  The term “Services,” means, collectively, various websites, applications, widgets, email notifications and other mediums, or portions of such mediums, through which you have accessed this Privacy Policy and our Terms of Use.  The terms “we,” “us,” or “our” mean Yapacopia, Inc., a Delaware corporation, and its legal subsidiaries and affiliates.  By accessing or using our Services, you consent to the collection, transfer, manipulation, storage, disclosure and other uses of Your Information (collectively, “Use of Your Information”) as described in this Privacy Policy.

The terms of this Privacy Policy and our Terms of Use and any other documents referred to in this Privacy Policy and Terms of Use govern our Services in all respects and should be read very carefully.  These documents describe information that we collect from you or that you provide on or to the Services and how Your Information may be used and disclosed by us. They also describe the choices available to you regarding our Use of Your Information and how you can access and update Your Information.

As used herein, “Your Information” means information about you, which may be of a confidential nature and may include personally identifying information, medical and health history information, and/or financial information.

This Privacy Policy applies only to our Use of Your Information as a result of you using our Services.  It does not apply to information collected (i) through mediums other than our Services, (ii) our Services where a separate privacy policy applies (if any), or (iii) by any person or entity other than us, even if related to our Services.

Information We Collect and Receive About You
We may receive and/or collect several types of information about you, such as each of the following:

1. Information You Provide to Us.

  • When you fill out forms, participate in forums or provide user generated content or submissions;

  • When you sign up for any newsletters, surveys, or marketing initiatives, through our Services;

  • When you provide information to us through a third-party application, service or website; and

  • When you communicate with us or request information about us or our Services, whether via email or other means.

2. Information Third Parties Provide.
We may collect information about you from sources other than you, such as from social media websites (i.e., Facebook, LinkedIn, Twitter or others), blogs, other users and our business partners.

3. General Use and Preference Information.
We may collect, receive and store information regarding your general use of our Services (such as details of how and when you used our Services, interactions with our Services, log in information, resources that you access, your Internet protocol address, your browser type, and your device type), as well as your preferences.

4. Device Information.
When you use our Services through your computer, mobile phone or other device, we may collect information regarding and related to your device and regarding application-level events and associate that with your account to provide customer service.  We may also collect and store information locally on your device using mechanisms such as browser web storage and application data caches.

5. Location Information.
 If you enable the collection of location information on your device, then we may collect information about your actual location, such as your mobile device’s GPS coordinates, through the location of nearby Wi-Fi access points or through third parties.

6. Phone Numbers.
 We may collect your phone number in several ways.  For example, we may collect your phone number: (i) if you submit your phone number to us through our Services; (ii) by capturing your phone number if you call us; or (iii) if a third party provides your phone number to us.

7. Cookies and Anonymous Identifiers.
 We and third parties use various technologies to collect and store information when you use our Services, including sending “cookies”, pixel tags or other anonymous identifiers to your device.  The information collected through these technologies, standing alone, cannot be used to determine your identity.  Such information may, however, be combined in a way that makes it become personally identifiable information (i.e., information that can identify you).  If this happens, we will treat the combined information as personally identifiable information.  In most cases, you can remove or block cookies, but doing so may affect your ability to use our Services.

This Privacy Policy does not cover the use of tracking technologies by our service providers, technology partners or other third party assets on the Services, and we have no control over the use of such technologies.

8. How We Use Information
We may make Use of Your Information for various lawful business purposes including:

  • Provide customer support by completing your requested transactions, verify information you provide to us and provide you with administrative notices.

  • Contact you and provide you with service updates, promotional materials, surveys, offers, quotes, personalized information and other information from us or our business partners via telephone, email, postal or other means.

  • To obtain feedback regarding our Services in order to better understand and anticipate your needs and preferences and your use of our Services, customize and tailor Service content and advertising, improve our marketing and promotional efforts, engage in statistical analysis and provide feedback to our vendors, advertisers and other third parties.

  • To comply with, monitor compliance with and enforce this Privacy Policy, our Terms of Use and any other applicable agreements and policies, meet other legal and regulatory requirements, and to protect the security and integrity of our Services.

9. General Disclosure of Your Information
We may disclose Your Information to any of the following parties or for the reasons stated below.  If you do not want Your Information shared as described above, then you should not provide us with Your Information.

  • Any person who, in our reasonable judgment, is authorized to receive Your Information as your agent, including as a result of your business dealings with that person (for instance, your attorney);

  • Our third-party vendors so that they may provide support for our internal and business operations, including for the handling of data processing, data verification, data storage, surveys, research, internal marketing, delivery of promotional, marketing and transaction materials, and our Services’ maintenance and security. These companies are authorized to Use Your Information only as necessary to provide these services to us and are contractually obligated to keep Your Information confidential;

  • Third parties such as insurance providers when you use our Services to request a quote, services, or information from one or more of those third parties (“Requested Service Providers”), such as by clicking “get your quotes” or other similar buttons at the end of a form;

  • Charitable organizations who you select as your selected donee in connection with your use of the Services;

  • Third parties when you engage in certain activities through our Services that are sponsored by them, such as purchasing products or services offered by a third party, electing to receive information or communications from a third party.  When we disclose Your Information to these third parties, Your Information will become subject to the information use and sharing practices of the third party, and the third party will not be restricted by this Privacy Policy with respect to its use and further sharing of Your Information; or

  • Third parties that are interested in contacting you or providing offers to you that may be related to our Services or about products or services you may find of interest.

Also, we may disclose Your Information (i) as required by law or ordered by a court, regulatory, or administrative agency, (ii) as we deem necessary, in our sole discretion, if we believe that you are violating any applicable law, rule or regulation, or are otherwise interfering with another’s rights or property, including, without limitation, our rights or property, (iii) if requested by authorities in the event of any act of terrorism or instance of local, regional or national emergency, (iv) to enforce our Terms of Use, this Privacy Policy, and any other applicable agreements and policies, (v) to enforce or protect our rights, (vi) in connection with any Company Transfer, as defined below (defined below); and (vii) to our affiliated companies (i.e., companies under common control or management with us).


If you are matched with Requested Service Providers, you expressly consent to the Requested Service Providers conducting any research necessary to provide you with quotes for your Request.  Requested Service Providers may need to share Your Information to conduct such research.  Consumer reports may also be used for updates, renewal or extensions of this insurance.  In addition, insurance companies may use third parties in connection with the development of a “insurance score” for you.  If you do not want Requested Service Providers to conduct necessary research to provide you with a quote for your Request, then you should not submit a Request.

Please note that if you submit a Request through our Services and we share Your Information as described above in connection with your Request, you will not have the opportunity to opt out of the disclosure of Your Information in connection with that Request.

10. De-identification of Your Information
We may take Your Information and de-identify it either by combining it with information about other individuals (aggregating Your Information with information about other individuals), or by removing characteristics (such as your name) that make the information personally identifiable to you (de-identifying Your Information).  We reserve the right to share, loan, rent, sell, or otherwise disclose such information to third parties at any time, for any lawful purpose, without notice or compensation to you.

11. Sharing with Friends
If the Services contains any functionality allowing you to send content to a friend, then please be aware that: (a) we may display your email address to your friend; and (b) we may use information you provide about your friend to facilitate the communication and as otherwise set forth in this Privacy Policy.

12. Circumvention of Security Measures
We cannot ensure that Your Information will only be disclosed as described in this Privacy Policy. No method of transmission or method of electronic storage is 100% secure, and we cannot guarantee absolute security. Additionally, by way of example (without limiting the foregoing), we may be forced to disclose Your Information to the government or third parties under certain circumstances, or third parties may unlawfully intercept or access transmissions or private communications.  Therefore, notwithstanding anything to the contrary within this Privacy Policy, our Terms of Use or any other applicable agreement or policy, you use our Services at your own risk and we do not promise or guarantee, and you should not expect, that Your Information will always remain private.  In the event that an unauthorized third party compromises our security measures, we will not be responsible for any damages directly or indirectly caused by an unauthorized third party’s ability to view, use or disseminate Your information.

13. Company Transfers
We specifically and expressly reserve the right to disclose, lease, sell, assign or transfer Your Information collected through our Services, and any of our databases, together with any personally identifiable information contained in such databases, to third parties in connection with a Company Transfer.  A “Company Transfer” means a share or asset sale, acquisition, merger, consolidation, reorganization, spin-off, bankruptcy or other corporate change involving us and/or our affiliates, even if the Company Transfer is only being contemplated and regardless of whether the Company Transfer relates to a part or a whole of our business.  Nothing in this Privacy Policy is intended to interfere with our ability to transfer all or part of our business, equity, and/or assets (including our Services) to an affiliate or independent third party at any time, for any lawful purpose, without compensation to you.

14. Children’s Information
You must be at least 13 years of age to register with or use certain portions of the Services.  The Services are not intended for children under 13 years of age.  No one under 13 years of age may provide any personal information to or on the Services.  We do not knowingly collect personal information from children under 13.  If you believe that we may have any information from or about a child, please contact us at

15.  Network Advertising

  • From time to time, we may participate in or use advertising networks, such as third-party advertising servers, agencies, technology vendors and research firms.  We may use these third-party networks for marketing, advertising and promotional purposes.  Advertising networks often gather data about consumers who view advertisements to make inferences about a consumer’s interests and preferences, which enables their computers to deliver advertisements directly targeted to the consumer’s specific interests.  This practice is often referred to as “online behavioral advertising.”  Certain third-party advertising networks that deliver behavioral advertising are members of the Network Advertising Initiative (“NAI”).  You can prevent NAI member companies from collecting preference data about you by clicking here and following the NAI’s directions.  Note that if you opt out through the NAI, you will still receive advertising.  In addition, if you opt out through the NAI and later delete your cookies, use a different browser or buy a new computer, you will need to renew your opt out choice.

16. User Generated Content
We offer publicly accessible blogs and other interactive media through our Services.  To request removal of Your Information from our blog or community forum, contact us at  In some cases, we may not be able to remove Your Information, in which case we will let you know if we are unable to do so and why.

Some comment areas are managed by a third party application that may require you to register to post a comment.  We do not have access or control of the information posted to the blog.  You will need to contact or login into the third party application if you want the personal information that was posted to the comments section removed.  To learn how the third party application uses your information, please review their privacy policy.

You are responsible for any content, including personal information, that you contribute to be published or displayed (“posted”) on our Services, or that you transmit to other users of our Services (collectively, “User Generated Content”).  Your User Generated Content is posted on and transmitted to other users of our Services at your own risk.  We cannot control the actions of other users of our Services with whom you may choose to share your User Generated Content.  We are not responsible for circumvention of any privacy settings or security measures of our Services.  As a result, we cannot and do not guarantee that your User Generated Content will not be viewed by unauthorized persons.  You understand and acknowledge that, even after removal, copies of your User Generated Content may remain viewable in cached and archived pages, or might have been copied or stored by other Service users.  Proper access and use of information provided through our Services, including User Generated Content, is governed by our Terms of Use.

17. Social Media Widgets
Our Services may include social media features, such as the Facebook Like button or interactive mini-programs that run on our Services. These features may collect your IP address, which page you are visiting, and may set a cookie to enable the feature to function properly. Your interactions with these features are governed by the privacy policy of the third party providing it.

18. Choices About How We Use and Disclose Your Information
We strive to provide you with choices regarding the personal information you provide to us.  Below are some mechanisms that provide you with control over certain information:

  • Cookies.  If you do not wish us to collect cookies, you may set your browser to refuse cookies, or to alert you when cookies are being sent.  If you do so, please note that some parts of our Services may then be inaccessible or may not function properly.

  • Email Offers from Us.  If you do not wish to receive email offers or newsletters from us, you can opt out of receiving email information from us (other than emails related to the completion of your registration, correction of user data, change of password and other similar communications essential to your transactions through our Services) by using the unsubscribe process at the bottom of the email.

19. Information You Disclose to Third Parties
You may be presented with an opportunity to receive information and/or marketing offers from third parties in connection with our Services.  All information you disclose to such third parties will be subject to the privacy policy and practices of such third parties.  We are not responsible for the privacy policies and practices of such third parties and, therefore, you should review the privacy policies and practices of such third parties prior to disclosing information to them.  If you later decide that you no longer want to receive communications from a third party, you will need to contact that third party directly.

20. Links to Third-Party Websites
Our Services and messages sent with respect to our Services, may contain links or access to websites operated by third parties that are beyond our control.  Links or access to third parties from our Services are not an endorsement by us of such third parties, or their websites, applications, products, services, or practices.  We are not responsible for the privacy policy, terms and conditions, practices or the content of such third parties. These parties may send their own cookies to you and independently collect data.  We encourage you to read any privacy statements and terms and conditions of that third party before providing any personally identifiable information.

21. Widgets and Plug-ins
Our Services include social media features, such as the Facebook Like button, links to our various social media pages and widgets, such as the Share this button or interactive mini-programs that run on our Services. These features may collect your IP address, which page you are visiting on our site, and may set a cookie to enable the feature to function properly. Social media features and widgets are either hosted by a third party or hosted directly through our Services. Your interactions with these features are governed by the privacy policy of the company providing it.

22. Operation of our Services in the United States
Our Services are operated in the United States.  If you are located in the European Union, Canada or elsewhere outside of the United States, please be aware that any information you provide to us will be transferred to the United States.  By using our Services or providing us with Your Information, you consent to this transfer.

23. Changes to this Privacy Policy
We reserve the right to update, amend and/or change this Privacy Policy at any time in our sole discretion. Amendments will take effect immediately upon us posting the updated Privacy Policy on our Services.  You are encouraged to revisit this Privacy Policy from time to time in order to review any changes that have been made. The date on which this Privacy Policy was last updated will be noted immediately above this Privacy Policy.  Your continued access and use of our Services following the posting of any such changes shall automatically be deemed your acceptance of all changes.

24. Contacting Us
If you have questions or concerns about our privacy practices or wish to make a request regarding Your Information, please contact us at

25. Special Notification for California Residents – Your California Privacy Rights
Individuals who are residents of California and have provided their personally identifiable information to us may request information regarding our disclosures, if any, of their personally identifiable information to third parties for direct marketing purposes.  Such requests must be submitted to us at

California privacy rights requests must include the reference “Request for California Privacy Information” on the subject line and in the body of the message and must include the email address or mailing address, as applicable, for us to send our response. This request may be made no more than once per calendar year. We reserve the right not to respond to requests submitted other than to the address specified above.