Top Five Reasons to Purchase an Auto Warranty

Happy Drivers

The road to purchasing an auto warranty will never be a straight shot for any vehicle owner. Auto warranties are a never-ending road of information and opinions that make it hard for anyone to decipher between fact and fiction. If you find yourself on this never-ending road, don’t worry! Auto Warranty Providers of America is here to guide you towards the best protection for your vehicle.

Let’s talk numbers…

Many Americans are choosing to keep their cars for longer or drive them until the wheels fall off. Great! But what if your wheels literally fall off? Or what if that transmission finally calls it quits? Are you prepared to cover the cost of repairs plus labor?

Engine problems can cost upwards of $8,000, with labor costs ranging from $47 to $215 per hour. Without coverage, you could be stuck in the worst-case scenario; paying out of pocket for all of the repairs, labor, and rental car fees.

Benefits for New Vehicles

New vehicle owners purchase auto warranties when they plan to put a lot of miles on the car in a short period or want to utilize the added benefits that don’t come with a factory warranty, like roadside assistance. Factory warranties are great, but they don’t cover everything that could go wrong. Plus, they only cover you for a certain amount of years or miles.

For example, the basic warranty for Chevrolet is three years or 36,000 miles. BMW covers you for four years or 50,000 miles. Most people who buy new cars plan to keep them for a while and find comfort in knowing their car will remain protected long after the new car warranty expires.

Benefits for Used Vehicles

We can guarantee two things about used cars:

  • The factory warranty has expired
  • Mechanical repairs will become more frequent as the car ages.

Some of those repairs won’t be very costly, like a new alternator or a new taillight. Other repairs could cost thousands, especially without coverage.

Before you buy a used car, make sure you get a pre-purchase inspection by an independent mechanic. You’ll know whether or not you need an auto warranty depending on the mechanic’s list of potential future issues. If you drive a used car without an auto warranty, you are taking a huge risk! Like anything on this earth, cars will age, and aging isn’t always so pretty. It’s smart to be prepared for the worst-case scenario. Make sure to keep up with routine maintenance and purchase coverage for the type of maintenance you can’t afford. Say you decide your car isn’t aging well and you want to sell it for something new, chances are your auto warranty can be transferred to the new owner. Auto warranties can significantly increase the value of your car if you choose to sell it.

Personalized Plans

Auto warranty prices are not one size fits all. Warranty costs are dependent on the individual customer and their vehicle. Factors that determine the price include:

  • Type and Age of Car
  • Driving history
  • Coverage scope
  • Length of the Warranty

Because of all these factors, you have plenty of room to personalize a plan that fits your budget! We highly suggest you do your research, compare prices and plans, and take your time finding the right plan for you.

Added Value

Almost all auto warranty plans come valuable services like roadside assistance and rental cars at no additional cost to you. After a tough day, you’ll be thankful for the additional services and savings that come with your auto warranty.

Final Thoughts

Only you can decide if an auto warranty is right for you. We suggest fine-tuning your research. Start by finding out how much maintenance your vehicle requires, on average. What’s the history of your car? Then consider whether or not you need the peace of mind that comes with being fully covered. If you discover more pros than cons, an auto warranty is the best decision for you.

Sources:

AAA: https://www.aaa.com/autorepair/articles/auto-repair-labor-rates-explained
The Drive: https://www.thedrive.com/car-warranty/28686/extended-car-warranty-cost
BMW: https://www.bmwusa.com/explore/connecteddrive.html
Chevrolet: https://www.mopar.com/chrysler/en-us/my-vehicle/current-model-year-coverage.html

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Terms and Conditions

 

Terms Last Revised: February 20 2021

Thank you for visiting the www.autowarrantypoa.com website. The Site is an Internet property of Consumer Bridge INC, (“Company," “we," “our" or “us"). Each end-user visitor to the Site (“User," “you" or “your") agrees to the www.autowarrantypoa.com

Website Terms and Conditions (“Terms and Conditions"), in their entirety, when she/he: (a) accesses or uses the Site; (b) accesses and/or views any of the: (i) links to third-party search-related resources and other information (“Third Party Links"); and/or (ii) blog posts, text, video and/or other information pertaining to search-related products and/or services made available on the Site (the “Informational Content," and together with the Third Party Links, the “Content"); (c) accesses the comments sections associated with the blog posts and/or other interactive features made available on the Site (“Interactive Services"); and/or (d) utilizes the various contact forms and/or contact information made available on the Site as a means to contact directly, or request to be contacted by, Company and/or Company’s third-party search-related product and/or service providers, and online aggregators (collectively, the “Contact Services," and together with the Site, Content and Interactive Services, the “Site Offerings").

The following Terms and Conditions are inclusive of the www.autowarrantypoa.com Privacy Policy (“Privacy Policy") and any and all other applicable operating rules, policies, price schedules and other supplemental terms and conditions or documents that may be published from time to time, which are expressly incorporated herein by reference (collectively, the “Agreement"). By using and/or accessing the Site Offerings, Users agree to comply with and be bound by the Agreement in its entirety. PLEASE REVIEW THE TERMS OF THE AGREEMENT CAREFULLY. IF A USER DOES NOT AGREE WITH THE TERMS OF THE AGREEMENT IN THEIR ENTIRETY, THAT USER IS NOT AUTHORIZED TO USE THE SITE OFFERINGS IN ANY MANNER OR FORM.

THE AGREEMENT CONTAINS DISCLAIMERS OF WARRANTIES, LIMITATIONS OF LIABILITY, RELEASES, A CLASS-ACTION WAIVER, AND THE REQUIREMENT TO ARBITRATE ANY AND ALL CLAIMS THAT MAY ARISE HEREUNDER. THE AFOREMENTIONED PROVISIONS ARE AN ESSENTIAL BASIS OF THE AGREEMENT.

Reliance on any information made available to you by and through the Site Offerings, including the Content, is solely at your own risk. Company disclaims any and all liability for any loss, damage or injury based on information directly or indirectly obtained through the Site Offerings.

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(a) Subject to the restrictions contained herein including, without limitation, those contained below, the Interactive Services may allow Users to post comments, and engage in other interactive communication, by and through the Site Offerings. In connection with the Interactive Services, each User shall be solely responsible for the comments, opinions, statements, offers, propositions, feedback and other content (collectively, “Feedback") posted by and through the Interactive Services. Company reserves the right to prohibit any conduct by Users, or to remove any materials or Feedback posted by Users by and through the Interactive Services, that Company deems, in its sole and absolute discretion, to be in violation of the Agreement and/or which Company believes to be illegal, potentially harmful to others, otherwise objectionable or that same may expose Company to harm, damage to reputation or liability. Notwithstanding the foregoing, Company undertakes no responsibility to monitor or otherwise police the actions of Users, Feedback and/or other material posted by Users and/or other third parties. Company shall have no obligation and incur no liability to such Users in connection with any Feedback. Users may find certain Feedback to be outdated, harmful, inaccurate and/or deceptive. Please use caution, common sense and safety when viewing Feedback. You agree to use the Interactive Services in a manner consistent with, and in full compliance with, any and all applicable laws and regulations.

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  1. Representations and Warranties. Each User hereby represents and warrants to Company as follows: (a) the Agreement constitutes such User’s legal, valid and binding obligation which is fully enforceable against such User in accordance with its terms; and (b) such User understands and agrees that such User has independently evaluated the desirability of utilizing the Site Offerings and that such User has not relied on any representation and/or warranty other than those set forth in the Agreement.
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  10. Editing, Deleting and Modification. Company reserves the right in its sole discretion to edit and/or delete any documents, information or Content appearing on the Site.
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  12. Dispute Resolution Provisions. The Agreement shall be treated as though it were executed and performed in Florida and shall be governed by and construed in accordance with the laws of the State of Florida (without regard to conflict of law principles). Should a dispute arise concerning the Site Offerings, the terms and conditions of the Agreement or the breach of same by any party hereto: (a) the parties agree to submit their dispute for resolution by arbitration before the American Arbitration Association in Florida in accordance with the then current Commercial Arbitration rules of the American Arbitration Association; and (b) you agree to first commence a formal dispute proceeding by completing and submitting an Initial Dispute Notice which can be found Here. We may choose to provide you with a final written settlement offer after receiving your Initial Dispute Notice (“Final Settlement Offer"). If we provide you with a Final Settlement Offer and you do not accept it, or we cannot otherwise satisfactorily resolve your dispute and you wish to proceed, you must submit your dispute for resolution by arbitration before a reputable arbitration organization as mutually agreed upon by the parties, in your county of residence, by filing a separate Demand for Arbitration, which is available Here. For claims of Ten Thousand Dollars ($10,000.00) or less, you can choose whether the arbitration proceeds in person, by telephone or based only on submissions. If the arbitrator awards you relief that is greater than our Final Settlement Offer, then we will pay all filing, administration and arbitrator fees associated with the arbitration and, if you retained an attorney to represent you in connection with the arbitration, we will reimburse any reasonable attorneys’ fees that your attorney accrued for investigating, preparing and pursuing the claim in arbitration. Any award rendered shall be final and conclusive to the parties and a judgment thereon may be entered in any court of competent jurisdiction. Nothing contained herein shall be construed to preclude any party from: (i) seeking injunctive relief in order to protect its rights pending an outcome in arbitration; and/or (ii) pursuing the matter in small claims court rather than arbitration. Although we may have a right to an award of attorneys’ fees and expenses if we prevail in arbitration, we will not seek such an award from you unless the arbitrator determines that your claim was frivolous.

To the extent permitted by law, you agree that you will not bring, join or participate in any class action lawsuit as to any claim, dispute or controversy that you may have against Company and/or its employees, officers, directors, members, representatives and/or assigns. You agree to the entry of injunctive relief to stop such a lawsuit or to remove you as a participant in the suit. You agree to pay the attorney’s fees and court costs that Company incurs in seeking such relief. This provision preventing you from bringing, joining or participating in class action lawsuits: (A) does not constitute a waiver of any of your rights or remedies to pursue a claim individually and not as a class action in binding arbitration as provided above; and (B) is an independent agreement. You may opt-out of these dispute resolution provisions by providing written notice of your decision within thirty (30) days of the date that you first access the Site.

  1. Miscellaneous. To the extent that anything in or associated with the Site Offerings is in conflict or inconsistent with the Agreement, the Agreement shall take precedence. Company’s failure to enforce any provision of the Agreement shall not be deemed a waiver of such provision nor of the right to enforce such provision. The parties do not intend that any agency or partnership relationship be created through operation of the Agreement. Should any part of the Agreement be held invalid or unenforceable, that portion shall be construed consistent with applicable law and the remaining portions shall remain in full force and effect. Company may assign its rights and obligations under the Agreement, in whole or in part, to any party at any time without notice to you. The Agreement, may not however, be assigned by you, and you may not delegate your duties under it. Headings are for reference purposes only and in no way define, limit, construe or describe the scope or extent of such section.
  2. Contact Us. If you have any questions about the Agreement, Site Offerings or the practices of Company, you may email us as at: operations@autowarrantypoa.com; or send us mail to: 3428 SW 15TH Street Deerfield Beach, FL 33442
  3. California Consumer Rights and Notices. Residents of California are entitled to the following specific consumer rights information: you may contact the Complaint Assistance Unit of the Division of Consumer Services of the Department of Consumer Affairs by mail at: 400 R St., Suite 1080, Sacramento, California 95814, or by telephone at: (916) 445-1254. Their website is located at: http://www.dca.ca.gov.

 

 

 

 

 

 

Partners

 

Privacy Policy

 

Last Updated: February 23, 2021

Thank you for visiting https://autowarrantypoa.com (the "Site"). The Site is an Internet property of Consumer Bridge Incorporated ("Company," "we," "our" or "us"). This (Auto Warranty Providers of America) Privacy Policy ("Privacy Policy") covers our treatment of personal information and other information that we collect when an end-user visitor to the Site ("User," "you" or "your"): (a) accesses or uses the Site; (b) accesses and/or views any of the: (i) links to third-party auto insurance-related resources and other information ("Third-Party Links"); and/or (ii) blog posts, text, video and/or other information pertaining to auto insurance-related products and/or services made available on the Site (the "Informational Content," and together with the Third-Party Links, the "Content"); (c) accesses the comments sections associated with the blog posts and/or other interactive features made available on the Site ("Interactive Services"); and/or (d) utilizes the various contact forms and/or contact information made available on the Site as a means to contact directly, or request to be contacted by, Company and/or Company’s third-party auto insurance-related product and/or service providers and online aggregators (“Third-Party Service Providers”) (collectively, the "Contact Services," and together with the Site, Content and Interactive Services, the "Site Offerings").

Users with disabilities who wish to access this Privacy Policy in an alternative format can contact us by calling us at: 973-668-3802; emailing us at: Operations@autowarrantypoa.com or sending us U.S. mail to: 3428 SW 15th Street Deerfield Beach, Florida 33442

Capitalized terms not defined herein shall have the meanings set forth in the (Auto Warranty Providers of America) Website Terms and Conditions. IF YOU DO NOT AGREE TO TERMS OF THIS PRIVACY POLICY IN THEIR ENTIRETY, YOU MAY NOT ACCESS OR OTHERWISE USE THE SITE OFFERINGS.

Your California Privacy Rights

If you are a resident of the State of California, certain other privacy-related rights may apply to you, including the right to opt-out of our sale of your personal information, as well as the right to know what personal information about you we have collected, whether your personal information was shared with third-parties in the preceding year and, if so, what categories of personal information were shared, as well as the names and addresses of those third-parties.

Your Nevada Privacy Rights

If you are a resident of the State of Nevada and would like to opt-out from the sale of your personal information to any third party data broker, please e-mail us at: please e-mail us at: Operations@autowarrantypoa.com; call us at: (973) 668-3802; or send us mail to: 3428 SW 15th Street Deerfield Beach, Florida 33442

Personal Information Collected

For the purposes of this Privacy Policy, "personal information" shall mean individually identifiable information from or about an individual. We collect personal information when you access certain of the Site Offerings and complete the required information request form and/or otherwise provide such information to us. Where a User attempts to utilize the Contact Services, that User may be required to submit, and Company may collect, some or all of the following information: (a) the User’s e-mail address; (b) the User’s full name; (c) the User’s telephone number; (d) certain information pertaining to User’s vehicle and insurance needs; and (e) any other information collected via the Contact Services form.

Upon entering Contact Data and clicking on the applicable submission button on the Site: (i) Company may pass your Contact Data along to one (1) or more of its marketing partners and/or affiliates (collectively, “Marketing Partners”) or Third-Party Service Providers; (ii) you may be contacted by Company and/or one (1) or more of its Marketing Partners or Third-Party Service Providers regarding your request; and/or (iii) you may be contacted by one (1) or more Marketing Partners with third-party offers that Company feels may be of interest to you. Where Company contacts you in connection with your submission of Contact Data, a Company representative may request additional information over the telephone including some or all of the following: (A) User date of birth; (B) User mailing address; (C) certain information pertaining to the User’s vehicle and auto insurance needs; and (D) any other information requested by the applicable Company representative.

Use of Personal Information

By submitting your personal information by and through the Site Offerings, you agree that we may share, sell, rent, lease, or otherwise provide that personal information to any third-party for any purpose permitted by law, and we may work with other businesses to bring selected third-party offers to you. These businesses and third parties may include, but are not limited to: (a) providers of direct marketing services and applications, including lookup and reference, data enhancement, suppression and validation; (b) e-mail marketers; (c) telemarketers (where permitted by applicable law); and (d) direct marketers. We may also use your personal information to send you promotional messages regarding various Company products and/or services, as well as third-party products and/or services that we think may be of interest to you.

Without limiting the foregoing, with your permission, we may share your User Data with those Third-Party Service Providers that you request to be contacted by.  These Third-Party Service Providers may use your User Data to offer you auto insurance-related products and/or services, and for any other lawful purposes, subject to any restrictions contained herein. The information that you supply directly to any Third-Party Service Provider shall be governed by the applicable Third-Party Service Provider’s privacy policy. Where you submit personal information, we use the personal information that you make available to personalize your experience with the Site and to facilitate the delivery of the applicable Site Offerings to you, including to respond to any inquiries made by you.

We may also provide your information to third-party companies and individuals to perform certain functions on our behalf. Examples include sending direct and electronic mail, removing duplicate information from User lists, analyzing data, and providing marketing analysis. The agents performing these limited functions on our behalf shall have access to our Users’ personal information as needed to perform these functions for us, but we do not permit them to use User personal information for other purposes.

We will also use your personal information with your permission, for customer service, to provide you with information that you may request, to customize your experience with the Site Offerings and/or to contact you when necessary in connection with your use of the Site Offerings. We may also use your personal information for internal business purposes, such as analyzing and managing our service offerings including, without limitation, the Site Offerings. We may also combine the information we have gathered about you with information from other sources.

By submitting your personal information by and through the Site Offerings, and thereby providing your permission, you agree that such act constitutes an inquiry and/or application for purposes of the Amended Telemarketing Sales Rule (16 CFR §310 et seq.), as amended from time to time (the "Rule") and applicable state do-not-call regulations. As such, notwithstanding that your telephone number may be listed on the Federal Trade Commission’s Do-Not-Call List, and/or on applicable state do-not-call lists, we retain the right to contact you via telemarketing in accordance with the Rule and applicable state do-not-call regulations.

Where you provide "prior express consent" within the meaning of the Telephone Consumer Protection Act (47 USC § 227), and its implementing regulations adopted by the Federal Communications Commission (47 CFR § 64.1200), as amended from time-to-time ("TCPA"), you consent to receive telephone calls from Company and/or its designated Third-Party Service Provider(s), including artificial voice calls, pre-recorded messages and/or calls (including SMS text messages) delivered via automated technology, to the telephone number(s) that you provided. Please note that you are not required to provide this consent to obtain access to the Site Offerings, and your consent simply allows Company and its designated Third-Party Service Providers, as applicable, to contact you via these means.

Please be advised that by agreeing to this Privacy Policy, you are obligated to immediately inform us when the telephone number that you have previously provided to us changes. Without limiting the foregoing, if you: (i) have your telephone number reassigned to another person or entity; (ii) give up your telephone number so that it is no longer used by you; (iii) port your telephone number to a landline or vice versa; or (iv) otherwise stop using that telephone number for any reason (collectively "Phone Number Change"), you agree that you shall promptly notify Company of the Phone Number Change via e-mail at:  Operations@autowarrantypoa.com, or by using one of the methods set forth in the "Contact Us" section below.

We reserve the right to release current or past personal information: (A) in the event that we believe that the Site Offerings are being or have been used in violation of the Terms and Conditions or to commit unlawful acts; (B) if the information is subpoenaed; provided, however, that, where permitted by applicable law, we shall provide you with e-mail notice, and opportunity to challenge the subpoena, prior to disclosure of any personal information pursuant to a subpoena; or (C) if we are sold, merge with a third-party, are acquired or are the subject of bankruptcy proceedings; provided, however, that if Company is involved in a bankruptcy proceeding, merger, acquisition or sale of all or a portion of its assets, you will be notified via email and/or a prominent notice on the Site of any change in ownership or uses of your personal information, as well as any choices that you may have regarding your personal information.

You hereby consent to the disclosure of any record or communication to any third-party when we, in our sole discretion, determine the disclosure to be appropriate including, without limitation, sharing your e-mail address with third parties for suppression purposes in compliance with applicable law, including the CAN-SPAM Act of 2003, as amended from time to time. Users should also be aware that courts of equity, such as U.S. Bankruptcy Courts, might have the authority under certain circumstances to permit personal information to be shared or transferred to third parties without permission.

Non-Personal Information Collection and Use

IP Addresses/Browser Type

We may collect certain non-personally identifiable information about you and your desktop computer and/or mobile device when you visit many of the pages of the Site. This non-personally identifiable information includes, without limitation, the type of browser that you use (e.g., Safari, Chrome, Internet Explorer), your IP address, the type of operating system that you use (e.g., Windows or iOS) and the domain name of your Internet service provider (e.g., Verizon, AT&T). We use the non-personally identifiable information that we collect to improve the design and content of the Site Offerings and to enable us to personalize your Internet experience. We also may use this information in the aggregate to analyze usage of the Site Offerings.

Cookies

When a User visits the Site, we send one (1) or more cookies and/or gif files (collectively, “Cookies") to assign an anonymous, unique identifier to the applicable User’s computer. A Cookie is a piece of data stored on your hard drive containing non-personally identifiable information about you. Cookies have many benefits to enhance your experience at the Site. To find out more about Cookies, please visit www.cookiecentral.com. We use Cookies to improve the quality of the Site Offerings, including for storing User preferences and tracking Site-User trends (such as pages opened and length of stay at the Site).

Most Internet browsers are initially set up to accept Cookies, but you can reset your browser to refuse all Cookies or to indicate when a Cookie is being sent. To disable and reject certain Cookies, follow the instructions associated with your Internet browser. Even in the case where a User rejects a Cookie, he or she may still use the Site Offerings; provided, however, that certain functions of the Site Offerings may be impaired or rendered inoperable if the use of Cookies is disabled. We reserve the right to retain Cookie data indefinitely.

Company reserves the right to transfer and/or sell aggregate or group data about Users of the Site Offerings for lawful purposes. Aggregate or group data is data that describes the demographics, usage, and other characteristics of Site Offerings Users as a group, without disclosing personally identifiable information.

Behavioral Tracking/Advertising 

Company, as well as third-party entities such as Google®, use Cookies, pixels and other tracking technology (collectively, “Tracking Technology”) in connection with the Site for purposes of tracking Users’ activities (such as websites visited, advertisements selected, and pages viewed) after they leave the Site.  Company, and its third-party partners, use this Tracking Technology to target applicable Users with advertisements featuring Company products and/or services, as well as third-party products and/or services, that may be of interest to applicable Users.

Further, Users can opt-out of certain Google®-related tracking technology and customize the Google® Display Network ads that they receive, by visiting the Google® Ads Settings at: http://www.google.com/settings/ads.   Google® also recommends installing the Google® Analytics Opt-out Browser Add-on for your web browser, which is available here: https://tools.google.com/dlpage/gaoptout.   To the greatest extent permissible under applicable law, we are not responsible for the tracking practices of third parties in connection with the Site.

Google® is a registered trademark of Google, Inc. (“Google”).   Please be advised that Company is not in any way affiliated with Google, nor are the Site Offerings endorsed, administered, or sponsored by Google.

Interactive Services 

If you engage in any interaction with Company, other Users or any third-party via the Interactive Services, you should be aware that the personal information that you submit by and through the Interactive Services can be read, collected and/or used by other Users of these services, and could be used to send you unsolicited messages or otherwise to contact you without your consent or desire. We are not responsible for the personal information that you choose to submit via the Interactive Services.

Third-Party Websites

This Site may contain links to third-party owned and/or operated websites including, without limitation, websites owned and/or operated by Company’s Third-Party Service Providers and/or Marketing Partners. Company is not responsible for the privacy practices or the content of such entities and/or websites. In some cases, you may be able to make a purchase through one of these third-party websites. In these instances, you may be required to provide certain information, such as a credit card number, to register or complete a transaction at such website. These third-party websites and entities have separate privacy and data collection practices and Company has no responsibility or liability relating to them.

Security

We endeavor to safeguard and protect our Users’ personal information. When Users make personal information available to us, their personal information is protected both online and offline (to the extent that we maintain any personal information offline). Where our registration/application process prompts Users to enter sensitive information (such as financial information, medical information, driver’s license/ID card number, health insurance information, data collected from an automated license plate recognition system or Social Security Number), and when we store and transmit such sensitive information, that information is encrypted with advanced TLS (Transport Layer Security).

Access to your personal information is strictly limited, and we take reasonable measures to ensure that your personal information is not accessible to the public. All our Users’ personal information is restricted in our offices, as well as the offices of our third-party service providers. Only employees or third-party agents who need User personal information to perform a specific job are granted access to User personal information. Our employees are dedicated to ensuring the security and privacy of all User personal information. Employees not adhering to our firm policies are subject to disciplinary action. The servers that we store User personal information on are kept in a secure physical environment. We also have security measures in place to protect the loss, misuse, and alteration of personal information under our control.

Please be advised, however, that while we take every reasonable precaution available to protect your data, no storage facility, technology, software, security protocols or data transmission over the Internet or via wireless networks can be guaranteed to be 100% secure. Computer hackers that circumvent our security measures may gain access to certain portions of your personal information, and technological bugs, errors and glitches may cause inadvertent disclosures of your personal information; provided, however, that any attempt to breach the security of the network, our servers, databases or other hardware or software may constitute a crime punishable by law. For the reasons mentioned above, we cannot warrant that your personal information will be secure. Any transmission of data at or through the Site, other Site Offerings or otherwise via the Internet or wireless networks, is done at your own risk.

In compliance with applicable federal and state laws, we shall notify you and any applicable regulatory agencies if we learn of an information security breach with respect to your personal information. You will be notified via e-mail in the event of such a breach. Please be advised that notice may be delayed to address the needs of law enforcement, determine the scope of network damage, and to engage in remedial measures.

Minors

Please see our Provisions for California Residents below for more details regarding the personal information of minors. Visitors under eighteen (18) years of age are not permitted to use and/or submit their personal information at the Site. Company does not knowingly solicit or collect information from visitors under eighteen (18) years of age. Company encourages parents and guardians to spend time online with their children and to participate and monitor the interactive activities of their children.

Opt-Out/Unsubscribe

Please see our Provisions for California Residents below for instructions on how California Residents can opt-out of the sale of their personal information to third parties. To opt-out of receiving e-mail and other forms of communications from us, you can: (a) follow the instructions included in the applicable e-mail message or other communication; or (b) e-mail us at:  Operations@autowarrantypoa.com

Notwithstanding the foregoing, we may continue to contact you for the purpose of communicating information relating to your request for Site Offerings, as well as to respond to any inquiry or request made by you. To opt-out of receiving Site Offerings-related and/or inquiry response-related messages from Company, you must cease requesting and/or utilizing the Site Offerings and/or cease submitting inquiries to Company, as applicable.

Deleting, Modifying and Updating Your Information

Please see our Provisions for California Residents below for instructions on how California Residents can access and/or delete personal information that we have collected. At your request, we will: (a) inform you of what personal information we have on file for you; (b) amend the personal information that we have on file for you; and/or (c) remove personal information that you have provided to us, or that we have collected. You may do so by e-mailing us at: Operations@autowarrantypoa.com. We ask individual Users to identify themselves and the information requested to be accessed, corrected, or removed before processing such requests, and, to the extent permitted by applicable law, we may decline to process requests that are unreasonably repetitive or systematic, require disproportionate technical effort, jeopardize the privacy of others or would be extremely impractical (for instance, requests concerning information residing on backup tapes).

Please be advised that deleting your personal information may terminate your access to certain of the Site Offerings. If you wish to continue using the full complement of Site Offerings, you may not be able to delete all the personal information that we have on file for you.

Please be further advised that, after you delete your personal information, residual copies may take a period before they are deleted from our active servers and may remain in our backup systems.

Transfer of Personal Information Internationally

If you are visiting the Site from a country other than the country in which our servers are located, your communications with us may result in the transfer of information across international boundaries. By visiting the Site and/or otherwise communicating electronically with us, you consent to such transfers. Even if your jurisdiction does not have the same privacy laws as the jurisdiction where our servers are located, we will treat your information as subject to the protections described in this Privacy Policy.

 

Changes to this Privacy Policy

Company reserves the right to change or update this Privacy Policy at any time by posting a notice on the Site that we are changing our Privacy Policy. If the way we use personal information changes, Company will notify Users by: (a) sending the modified policy to our Users via email; and/or (b) by any other reasonable means acceptable under applicable state and federal law. You will have a choice as to whether we use your information in this different manner and we will only use your information in this different manner where you opt-in to such use.

Contact Us

If you have any questions about this Privacy Policy or our privacy practices in general, you may email us as at: Operations@autowarrantypoa.com; call us at: 800-719-5930; or send us U.S. mail to: 3428 SW 15th Street Deerfield Beach Florida 33442.

Filing a Complaint with the Federal Trade Commission

To file a complaint regarding our privacy practices, please  Click Here.

 

Provisions for California Residents

 

These Provisions for California Residents (“Provisions”) supplement, and do not limit in any way, the Privacy Policy set forth above.  These Provisions apply solely to residents of the State of California (“CA Users”).  We adopt these Provisions in compliance with the California Consumer Privacy Act of 2018 (“CCPA”) and other applicable California State privacy laws.  Any terms defined in the CCPA have the same meaning when used in these Provisions.  Users with disabilities who wish to access these Provisions in an alternative format can contact us by calling us at: (800) 719-5930; emailing us at:  Operations@autowarrantypoa.com; or sending us U.S. mail to: 3428 SW 15th Street Deerfield Beach, Florida 33442

Categories of Information We Collect

We collect information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular CA User or device (“personal information”). We have collected the following categories of personal information from CA Users within the last twelve (12) months:

Category Collected
A. Identifiers. A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, telephone number, or other similar identifiers. YES
B. Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)). A name, signature, Social Security number, physical characteristics or description, postal 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, medical information, or health insurance information. Some personal information included in this category may overlap with other categories. YES
C. Protected classification characteristics under California or federal law. Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information). YES
F. Internet or other similar network activity. Browsing history, search history, information on a User's interaction with a website, application, or advertisement. YES
I. Professional or employment-related information. Current or past job history or performance evaluations. YES

 

Personal information does not include:

We obtain the categories of personal information for which we indicated “YES” above from the following categories of sources (with the specific categories of personal information indicated in parenthesis.

Use of Personal Information

We may use or disclose the personal information that we collect (including the following specific items of personal information: (a) e-mail address; (b) full name; (c) telephone number; and (d) certain information pertaining to CA User vehicle and insurance needs) for one or more of the following business purposes (with the specific categories of personal information indicated in parenthesis to fulfill or meet the reason for which the information is provided. For example, if you provide us with personal information in connection with your request for a price quote and/or other information regarding the auto insurance-related products and/or services featured on the Site, we will use that personal information to better provide you with the requested quote/information. (Category A, B, C and I)

We will not collect additional categories of personal information or use the personal information we collected for materially different, unrelated, or incompatible purposes without providing you with notice.

Sharing Personal Information

Subject to your right to opt-out of such sharing/sale, we may share, rent and/or sell your personal information with/to third parties for marketing purposes, as well as other business purposes.  The specific items of personal information that we may sell include: (a) e-mail address; (b) full name; (c) telephone number; and (d) certain information pertaining to CA User vehicle and insurance needs.  When we disclose personal information to a third-party service provider or other entity, we enter into a contractual relationship that describes the purpose for which such third-party may use the personal information and requires that third-party to both keep the personal information confidential and not use it for any purpose other than the performance of its services under the applicable contract.  Please note, we do not collect information from CA Users that we know are less than eighteen (18) years of age and we do not share or sell the personal information of CA Users that we actually know are less than eighteen (18) years of age.  Without limiting the foregoing, we have not shared or sold the personal information of CA Users that we actually know are less than sixteen (16) years of age in the preceding twelve (12) months.

In the preceding twelve (12) months, we have disclosed the following categories of personal information for a business purpose:

Category A       Identifiers.
Category B       California Customer Records personal information categories.
Category C       Protected classification characteristics under California or federal law.
Category F       Internet or other similar network activity.
Category I        Professional or employment-related information.

In the preceding twelve (12) months, we have sold the following categories of personal information to third parties:

Category A       Identifiers.
Category B       California Customer Records personal information categories.
Category C       Protected classification characteristics under California or federal law.
Category F       Internet or other similar network activity.
Category I        Professional or employment-related information.

We disclose your personal information from Category A, B and F for a business purpose to the following categories of third parties (with the specific categories of personal information indicated in parenthesis our affiliates. (Category A, B, C, F and I)

In the preceding twelve (12) months, we have: (a) sold personal information (including (i) e-mail address; (ii) full name; (iii) telephone number; and (iv) certain information pertaining to vehicle and insurance needs) to the third-parties who purchase and/or license your personal information for marketing purposes, as well as the third parties who provide the auto insurance-related products and/or services featured on the Site; and (b) shared your personal information for the business purposes set forth above.

In the preceding twelve (12) months, we have:

  1. Received 0 requests for access to specific information and to exercise data portability rights.  We have complied with 0 of those requests (in whole or in part) and denied0requests.   The median number of days within which we substantively responded to such requests was0;
  2. Received 0 requests to delete personal information.  We have complied with 0 of those requests (in whole or in part) and denied 0 requests.  The median number of days within which we substantively responded to such requests was 0; and
  3. Received 0 requests to opt-out from the sale of personal information.   We have complied with 0 of those requests (in whole or in part) and denied 0 requests.  The median number of days within which we substantively responded to such requests was 0.

 

Your Rights and Choices

The CCPA provides California residents (CA Users) with specific rights regarding their personal information. This section describes your CCPA rights and explains how to exercise those rights.

Opt-Out from the Sale of Your Personal Information

You have the right to opt-out of our sale of your personal information to third parties.  To exercise your right to opt-out of our sale of your personal information to third parties, please submit a verifiable CA User request to us by either:

Where you make a request to opt-out of the sale of your personal information through an Authorized Agent, we will require that you or the Authorized Agent provide us with a valid written authorization executed by you and that Authorized Agent, with the validity of such document determined by us in our reasonable, good faith discretion.   Please submit such documentation to us by emailing us at:  Operations@consumerbridgeinc.com or sending us U.S. mail to: 3428 SW 15th Street Deerfield Beach, Florida 33442. We endeavor to act on all opt-out requests as soon as practicable, but in all cases within fifteen (15) days of the receipt of your request.

Access to Specific Information and Data Portability Rights

You have the right to request that we disclose certain information to you about our collection and use of your personal information over the past twelve (12) months. Once we receive and confirm your verifiable CA User request, we will disclose to you:

Deletion Request Rights

You have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions. Once we receive and confirm your verifiable CA User request, we will delete (and direct our service providers to delete) your personal information from our (their) records, unless an exception applies.

We may deny your deletion request if retaining the information is necessary for us or our service providers to:

  1. Complete the transaction for which we collected the personal information, provide a good or service that you requested, take actions reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform our obligations in connection with our contract with you.
  2. Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities.
  3. Debug products to identify and repair errors that impair existing intended functionality.
  4. Exercise free speech rights, ensure the right of another CA User to exercise their free speech rights or exercise another right provided for by law.
  5. Comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546 seq.).
  6. Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when the information's deletion may likely render impossible or seriously impair the research's achievement, if you previously provided informed consent.
  7. Enable solely internal uses that are reasonably aligned with CA User expectations based on your relationship with us.
  8. Comply with a legal obligation.
  9. Make other internal and lawful uses of that information that are compatible with the context in which you provided it.

Exercising Access, Data Portability and Deletion Rights

To exercise your access, data portability and/or deletion rights described above, please submit a verifiable CA User request to us by either:

Only you or a person registered with the California Secretary of State that you authorize to act on your behalf, may make a verifiable CA User request related to your personal information. Where you make a data deletion request, data portability request and/or information access request through an authorized agent, we will require that you or the authorized agent provide us with a valid written authorization executed by both parties, with the validity of such document determined by us in our reasonable, good faith discretion.  Please submit such documentation to us by emailing us at:  Operations@consumerbridgeinc.com or sending us U.S. mail to: 3428 SW 15th Street Deerfield Beach, Florida 33442.

You may only make a verifiable CA User request for access or data portability twice within a 12-month period. The verifiable CA User request must:

We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm that the personal information relates to you.  Making a verifiable CA User request does not require you to create an account with us.  We will only use personal information provided in a verifiable CA User request to verify the requestor's identity or authority to make the request.

Response Timing and Format

We endeavor to respond to all verifiable CA User requests within forty-five (45) days of the receipt thereof.  If we require more time (up to ninety (90) days), we will inform you of the reason and extension period in writing.  We will deliver our written response by mail or electronically, at your option.  Any disclosures we provide will only cover the twelve (12) month period preceding the receipt of your verifiable request.  The response we provide will also explain the reasons we cannot comply with a request, if applicable.  For data portability requests, we will select a format to provide your personal information that is readily useable and should allow you to transmit the information from one entity to another entity without hindrance.

We do not charge a fee to process or respond to your verifiable CA User request unless it is excessive, repetitive, or manifestly unfounded.  If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.

Non-Discrimination

We will not discriminate against you for exercising any of your CCPA rights. Unless permitted by the CCPA, we will not:

Changes to these Provisions

We reserve the right to amend these Provisions in our discretion and at any time. When we make changes to these Provisions, we will notify you by email or through a notice on the Site’s homepage.

Contact Information

If you have any questions or comments about these Provisions, the Privacy Policy, the ways in which we collect and use your personal information, your choices, and rights regarding such use, or wish to exercise your rights under California law, please do not hesitate to contact us by either:

Sending us U.S. mail to: 3428 SW 15th Street Deerfield Beach, Florida 33442

Privacy Notice for California Residents

 

 

Last Updated: Jan 22, 2020

This Privacy Notice for California Residents (“Privacy Notice”) supplements the information contained in the Auto Warranty Providers of America Privacy Policy. (the “Privacy Policy”) made available on the website located at www.autowarrantypoa.com/ (the “Site”). The Site is owned and operated by Consumer Bridge Incorporated (“Company,” “we,” “us” or “our”). This Privacy Notice applies solely to residents of the State of California (“Users”). We adopt this Privacy Notice in compliance with the California Consumer Privacy Act of 2018 (“CCPA”) and other applicable California State privacy laws. Any terms defined in the CCPA have the same meaning when used in this Privacy Notice. Users with disabilities who wish to access this Privacy Notice in an alternative format can contact us by calling us at:; emailing us at: Operations@autowarrantypoa.com or sending us U.S. mail to: 3428 SW 15th Street Deerfield Beach, Florida 33442

Categories of Information We Collect

We collect information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular User or device (“personal information”). We have collected the following categories of personal information from Users within the last twelve (12) months:

Category Examples Collected
A. Identifiers. A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, telephone number, or other similar identifiers. YES
B. Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)). A name, signature, Social Security number, physical characteristics or description, postal 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, medical information, or health insurance information. Some personal information included in this category may overlap with other categories. YES
C. Protected classification characteristics under California or federal law. Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information). YES
F. Internet or other similar network activity. Browsing history, search history, information on a User's interaction with a website, application, or advertisement. YES
I. Professional or employment-related information. Current or past job history or performance evaluations. YES

Personal information does not include:

We obtain the categories of personal information listed above from the following categories of sources:

Use of Personal Information

We may use or disclose the personal information that we collect for one or more of the following business purposes:

assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by us is among the assets transferred.

We will not collect additional categories of personal information or use the personal information we collected for materially different, unrelated, or incompatible purposes without providing you with notice.

Sharing Personal Information

Subject to your right to opt-out of such sharing/sale, we may share, rent and/or sell your personal information with/to third parties for marketing purposes, as well as other business purposes. When we disclose personal information to a third-party service provider or other entity, we enter into a contractual relationship that describes the purpose for which such third party may use the personal information and requires that third party to both keep the personal information confidential and not use it for any purpose other than the performance of its services under the applicable contract. Please note, we do not collect information from Users that we actually know are less than eighteen (18) years of age and we do not share or sell the personal information of Users that we actually know are less than eighteen (18) years of age. Without limiting the foregoing, we have not shared or sold the personal information of Users that we actually know are less than sixteen (16) years of age in the preceding twelve (12) months.

In the preceding twelve (12) months, we have disclosed the following categories of personal information for a business purpose:

Category A Identifiers.
Category B California Customer Records personal information categories.
Category C Protected classification characteristics under California or federal law.
Category F Internet or other similar network activity.
Category I Professional or employment-related information.

We disclose your personal information for a business purpose to the following categories of third parties:

In the preceding twelve (12) months, we have sold the following categories of personal information to third parties:

Category A Identifiers.
Category B California Customer Records personal information categories.
Category C Protected classification characteristics under California or federal law.
Category F Internet or other similar network activity.
Category I Professional or employment-related information.

In the preceding twelve (12) months, we have: (a) sold personal information to the third parties who purchase and/or license your personal information for marketing purposes, as well as the third parties who provide the auto insurance-related products and/or services featured on the Site; and (b) shared your personal information for the business purposes set forth above.

Your Rights and Choices

The CCPA provides Users (California residents) with specific rights regarding their personal information. This section describes your CCPA rights and explains how to exercise those rights.

Opt-Out from the Sale of Your Personal Information

You have the right to opt-out of our sale of your personal information to third parties. To exercise your right to opt-out of our sale of your personal information to third parties, please submit a verifiable User request to us by either:

We endeavor to act on all opt-out requests as soon as practicable, but in all cases within fifteen (15) days of the receipt of your request.

Access to Specific Information and Data Portability Rights

You have the right to request that we disclose certain information to you about our collection and use of your personal information over the past twelve (12) months. Once we receive and confirm your verifiable User request, we will disclose to you:

Deletion Request Rights

You have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions. Once we receive and confirm your verifiable User request, we will delete (and direct our service providers to delete) your personal information from our (their) records, unless an exception applies.

We may deny your deletion request if retaining the information is necessary for us or our service providers to:

  1. Complete the transaction for which we collected the personal information, provide a good or service that you requested, take actions reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform our obligations in connection with our contract with you.
  2. Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities.
  3. Debug products to identify and repair errors that impair existing intended functionality.
  4. Exercise free speech rights, ensure the right of another User to exercise their free speech rights or exercise another right provided for by law.
  5. Comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546 seq.).
  6. Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when the information's deletion may likely render impossible or seriously impair the research's achievement, if you previously provided informed consent.
  7. Enable solely internal uses that are reasonably aligned with User expectations based on your relationship with us.
  8. Comply with a legal obligation.
  9. Make other internal and lawful uses of that information that are compatible with the context in which you provided it.

Exercising Access, Data Portability and Deletion Rights

To exercise your access, data portability and/or deletion rights described above, please submit a verifiable User request to us by either:

Only you or a person registered with the California Secretary of State that you authorize to act on your behalf, may make a verifiable User request related to your personal information.

You may only make a verifiable User request for access or data portability twice within a 12-month period. The verifiable User request must:

We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm that the personal information relates to you. Making a verifiable User request does not require you to create an account with us. We will only use personal information provided in a verifiable User request to verify the requestor's identity or authority to make the request.

Response Timing and Format

We endeavor to respond to all verifiable User requests within forty-five (45) days of the receipt thereof. If we require more time (up to ninety (90) days), we will inform you of the reason and extension period in writing. We will deliver our written response by mail or electronically, at your option. Any disclosures we provide will only cover the twelve (12) month period preceding the receipt of your verifiable request. The response we provide will also explain the reasons we cannot comply with a request, if applicable. For data portability requests, we will select a format to provide your personal information that is readily useable and should allow you to transmit the information from one entity to another entity without hindrance.

We do not charge a fee to process or respond to your verifiable User request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.

Non-Discrimination

We will not discriminate against you for exercising any of your CCPA rights. Unless permitted by the CCPA, we will not:

Changes to this Privacy Notice

We reserve the right to amend this Privacy Notice in our discretion and at any time. When we make changes to this Privacy Notice, we will notify you by email or through a notice on the Site’s homepage.

Contact Information

If you have any questions or comments about this Privacy Notice, our Privacy Policy, the ways in which we collect and use your personal information, your choices, and rights regarding such use, or wish to exercise your rights under California law, please do not hesitate to contact us by either:

Disclaimer