Effective Date: August 31, 2017
Thank you for visiting our site! Rhino New York LLC ("Rhino," "we," "us," or "our") is a licensed insurance broker in the states where it transacts insurance that places reimbursement insurance coverage for residential landlords who offer Rhino's services to their tenants as an alternative to traditional security deposits. If you are a tenant, you acknowledge that you will not be an insured under an insurance policy placed by Rhino and that Rhino is not your insurance broker or agent.
We collect personally identifiable information ("personal information") that you submit or otherwise choose to share with us, as well as personal information received from our partners and service providers. Personal Information means information that identifies you or could reasonably be used to identify you, such as your name, postal address, email address, telephone number, social security number, financial account number, or similar information. You can generally visit our Website without revealing any Personal Information about yourself. However, to obtain our products and services or to create an account with us, we will ask you to provide certain Personal Information. If you choose not to provide this information, you may be unable to obtain our products and services.
In addition, we collect certain non-identified information automatically when you visit or engage with our Site regarding your computer or device or your interaction with our Site. This information may include the date and time your browser requested our Site, a device identifier or Internet Protocol address, the pages of our Site visited or features used, or other non-identified information about your use of our Site or advertisements ("ads").
We collect Personal Information from you through the Website when you choose to provide it to us. For example, if you're a tenant and request pricing information for an insurance product or create an account with us, you may provide us with your name, email address, postal address, employer information, date of birth, annual income, education level, and social security number. If a landlord’s coverage is extended to you, you also provide us with your payment card information. If you're a landlord, we may receive your name, email address, telephone information, and company name if you submit it in connection with our services. If there are any issues regarding an apartment upon the conclusion of a lease or policy, we will collect any information you provide in connection with a claim or related dispute. When you submit a question or otherwise choose to contact us, you provide us with any personal information you choose to include in your communication.
We may also receive Personal Information about you from third parties. For example, if you authorize us to conduct a credit check, we will receive any Personal Information contained in the response. In some cases, we may obtain Personal Information about you from a leasing agent or landlord or from one of our advertising partners. We may also obtain information about you from commercially available sources such as data aggregators and public databases. This information may include your name, demographic information, interests and publicly observed data (such as from social media and shopping behavior), credit information, and information about your rental history.
Our Website uses common technologies that automatically collect certain information about your computer or device and your interaction with our Sites and ads. These technologies include cookies, pixel tags, server logs, and statistical identifiers. These technologies and the collection and use of non-identified information using such technologies are described in this policy below.
We may combine the information we collect through our Site with information we collect through other sites or online services. We may also combine information collected through our Site with information collected offline or obtained by our partners and other third parties. We use this consolidated information to help us improve our Website, products and services, communicate information to you, enhance our marketing and research activities, and engage in any other legitimate business activities described in this policy.
We may use the information we collect from and about you (or your device) for any of the following purposes:
We do not sell, trade, or otherwise transfer to outside parties your Personal Information unless we provide you with advance notice or as otherwise described in this policy. This does not include our financial partners, affiliates, website hosting partners, and other parties who assist us in operating our Website, conducting our business, or servicing you, so long as those parties agree to keep this information confidential. We may also release your information when we believe release is appropriate to comply with the law, enforce our Site policies, or protect ours or others' rights, property, or safety.
However, non-identified information may be provided to other parties for marketing, advertising, or other uses.
We do not share your Personal Information with your landlord.
Our Website uses common technologies that automatically collect certain information about your computer or device and your interaction with our Sites and ads. These technologies include cookies, pixel tags, server logs, and statistical identifiers. Each of these technologies is summarized below.
Cookies are small text files that are sent to and stored by your browser when you visit or interact with our Site. These cookies are then sent back to us unchanged each time you visit or interact with our Site or ads in order for us to recognize your device. Cookies fall into two categories: first-party cookies and third-party cookies. First-party cookies are sent to your browser by the party that operates the site you are visiting (for example, cookies sent by Rhino when you visit our Site). Third-party cookies are sent to your browser by any party other than the party that operates the site you are visiting (for example, cookies sent by our online partners, such as Google Analytics, when you visit our Site).
Pixel tags (also known as web beacons) are small blocks of code installed on our Site which can be used to track activity on our Site, allow our online partners to serve cookies when you visit our Site, receive relevant device and usage data, and perform other activities relating to the monitoring and analysis of the use and performance of our Site.
Server logs refers to the information automatically recorded by a server when your browser requests a website or other online service, such as Internet Protocol (IP) address, browser type, browser language, date and time of your request, and one or more cookies that may uniquely identify your browser.
Statistical identifiers refer to identifiers created using your device information and certain server log information. This information, collectively, makes your browser or device sufficiently distinct for a server or similar system to reasonably determine that it is encountering the same browser or device over time. Statistical identifiers enable us to uniquely identify your browser or device for the same purposes as cookies.
These cookies and similar technologies are used to collect information about your computer or device and your interaction with our Site and ads. This information may include the online services requested (for example, www.sayrhino.com); date and time of your request; referring URL (the website you came from); your device's IP address; unique device and advertising identifiers; location data derived from your device; browser type and language; device operating system; device hardware and other characteristics; device event information (for example, crash data); information regarding your engagement with our online services (for example, pages viewed, features used, number of clicks, time spent on a particular page); demographic information; data contained in first-party cookies; and other non-identified device and usage data.
Cookies and similar technologies used on our Site (including the information obtained through their use) fall into four categories:
Our Website utilizes first- and third-party cookies and similar technologies that are necessary in order to operate our business and maintain our Site, including verifying and authenticating Site users; preventing fraud and securing our Site; payment processing; enabling users to move around our Website and use its features; and complying with applicable laws and industry standards. These cookies and similar technologies don't gather information about you that could be used for marketing or tracking your browsing activity. This category of cookies generally cannot be disabled.
Our Website utilizes first- and third-party cookies and similar technologies to provide enhanced features and remember user preferences, including identifying return users when visiting our Site (for example, to remember your login credentials); keeping track of user preferences, interests, and past items viewed or utilized (for example, preferred language or past purchases); and providing social features that allow users to interact with social media services through our Site (for example, Facebook or Twitter).
If our Website allows users to interact with social media services (for example, the Facebook "Like" button or "Share to Twitter" button), the operators of those services can place a cookie on your device enabling them to recognize users who have previously visited our Site. If you are logged into these social media services while visiting our Site, these cookies allow the social media services to receive information that you have visited our Website or other information. These cookies also allow the social media services to share information about your activities on our Site with other users of the social media services.
Our Website utilizes first- and third-party cookies and similar technologies for analytics, product development and market research purposes, including analyzing how users arrive at and engage with our site or ads; tracking and measuring the performance and effectiveness of our Site and ads; optimizing the location of ads, features, and other content on our Site; statistical reporting in connection with website activity; analyzing user preferences and behaviors and market characteristics and trends in order to develop and improve our products, Site, and ads; segmenting audiences to test features of Site and ads; and conducting research about our consumers, products, and online services.
Our Website utilizes first- and third-party cookies and similar technologies to deliver, track, and measure ads both on and off our Site, including ads relevant to your interests (for example, ads based on your past interaction with our Site or based on predictions about your interests derived from your activities on different websites over time); and ads based on your location, demographics, or device characteristics. Cookies are also used for tracking and measuring the reach and frequency of ads and regulating the delivery of such ads (for example, capping the number of times you see a particular ad).
For example, we may use first- and third-party cookies to deliver our ads on third-party websites through a common form of online advertising known as "retargeting." Retargeting works by serving ads on one website based on an individual's activities on a different website (for example, if you view an insurance product on our Site, you may later see ads for our products when you visit a third-party website). To do this, we allow our online partners (such as Google or other ad network vendors) to serve their own cookies when users visit our Site, allowing these online partners to recognize users who have previously visited our Site. When these users visit a third-party website that includes features provided by our online partners (for example, where our online partners have purchased ad space), our online partners can recognize the users' interest in our products and deliver one of our ads on the third-party website.
Most browsers are set to accept cookies by default. However, browsers typically allow individuals to remove or block browser cookies if they choose. For more information on blocking and removing browser cookies, please review your browser's Settings or Preferences tab. Please note that removing or blocking browser cookies does not necessarily affect third-party "Flash" cookies that may be utilized on our site. To delete or disable Flash cookies, please see here for more information.
In addition to removing and blocking browser cookies generally, the following opt-out mechanisms may be available where our Site utilizes the third-party cookies listed:
Please note, disabling, removing or blocking cookies may turn off some of the features of our Site that make your experience more efficient, and some Site features may not function properly. Further, if you opt-out of having your information collected and used by us and our online partners for interest based advertising purposes, you will continue to receive ads, but such ads will not be tailored to your specific interests based on viewing data collected from your device over time and across unaffiliated sites.
DNT is a concept that has been promoted by regulatory agencies for the internet industry to develop and implement a mechanism for allowing internet users to control the tracking of their online activities across websites by using browser settings. The World Wide Web Consortium has been working with industry groups, internet browsers, technology companies, and regulators to develop a DNT technology standard. While some progress has been made, no standard has been adopted to date. As a result, we do not generally respond to "do not track" signals.
We have instituted physical, technical, and procedural safeguards to store and maintain information we collect in a secure environment. Personal Information is contained behind secured networks and is only accessible by a limited number of persons who have special access rights to such systems, and are required to keep the information confidential. In addition, all sensitive/credit information you supply is encrypted via Secure Socket Layer (SSL) technology.
All financial transactions are processed through our Payment Partner and are not stored or processed on our servers. In particular, we do not store credit card information on our servers. If you have provided us with your social security number or other Personal Information, we protect and restrict access to those persons who need access to your information in order for us to deliver our products and services.
You may always limit the amount and type of information that we collect from you by choosing not to enter or provide any information requested from you on our Site. However, some of our products and services can only be provided to you if you provide us with the requested information. Some of the products and services offered through our Site may ask whether you wish to opt out or opt into our contact lists for offers, promotions, and additional products and services that may be of interest to you.
You can opt out of marketing emails we may send to you by following the "unsubscribe" instructions provided in such emails. If you opt out of our marketing emails, we may still send you transactional and relationship emails, such as emails about your policy and account.
You can modify or delete inaccurate or incomplete information previously provided to us upon request by contacting us at firstname.lastname@example.org . If you have an account with us online, you may also be able to update your account information by accessing your account through the Site. For record keeping and compliance purposes, we will retain certain information collected from you in conjunction with commercial transactions, even if amended or updated.
Occasionally, at our discretion, we may include or offer third-party products or services on our Website. These third-party sites have separate and independent privacy policies. We therefore have no responsibility or liability for the content and activities of these linked sites. Nonetheless, we seek to protect the integrity of our Site and welcome any feedback about these third-party sites.
Rhino New York LLC Attn: Rhino Terms 598 BROADWAY FLOOR 10 NEW YORK, NY, 10012