Effective: January 1, 2020

By accessing the American-reia.com website (the “Website”), you agree to be bound by these terms and conditions (the “Terms”). Please read these Terms carefully. If you do not agree to these Terms, please exit the Website immediately.

Effective Date: November 1, 2020

This Privacy Policy (the “Policy”) applies to the use of this website (the “Website”, “we”, or “us”). It tells users (“you”) of the Website and the services it provides, about the information collected by the Website, and how the Website uses and shares this information.

The Information We Collect

We collect both information that may identify a particular individual (“Personally Identifiable Information” or “PII”) and anonymous information that cannot be associated with a specific individual (“non-Personally Identifiable Information” or “non PII”) from or about users of its websites.

Personally Identifiable Information

We collect your Personally Identifiable Information when you provide it through your use of the Website – such as by completing one or more stages of an online registration (a “Registration”) requesting an insurance offer from an organization participating in our network (a “Insurance Partner”) or by sending questions to us via this Website. The types of PII we collect includes: name, physical address, telephone number, social security number, email address, date of birth, driver’s license number and state, information about home ownership, citizenship status, employment information, active military information, compensation, and information about your banking account. In addition, on a case-by-case basis we may share your information with our partners and related entities who you may able to provide additional offers of interest to you.

Non-Personally Identifiable Information

The types of non-Personally Identifiable Information that we collect (either directly, through the use of “cookies” or through the use of a third party tracking system) include the IP address of the computer making the request; your browser type and language; access times; information about areas of this website visited by users of the site; and information about the links that users may select to visit on this Website. IP addresses are not usually associated with your personal computer, but with a portal through which you accessed the Internet. IP addresses are not linked to Personally Identifiable Information. A “cookie” is a piece of information a website sends to your computer while you are viewing a website to remember who you are without personally identifying you.

We may share this non-Personally Identifiable Information with suppliers and other third parties for the purpose of website statistical and trend analysis. This information is not linked to any Personally Identifiable Information.

Information Collected by Third Parties

This Website may allow third parties, including advertising partners and insurance providers, to display advertisements on the site. These companies may use tracking technologies, including cookies, to collect information about users of this Website who view or interact with these advertisements. We do not provide Personally Identifiable Information to these third parties.

How We Use Personally Identifiable Information

The Website uses the Personally Identifiable Information you provide to:
• deliver the products and/or services that you have requested; provide customer support;
• communicate with you by email, postal mail, telephone, and/or mobile devices (including through short messaging services, or “SMS”) about products and/or services that may be of interest to you from our Insurance Partners, marketing partners, or other third parties;
• display advertising tailored to your interests or background;
• perform data and statistical analysis on use of the website;
• enforce our terms and conditions; and
• perform any other functions otherwise described to you at the moment we collect this information.

Sharing Your Personally Identifiable Information

We may share your Personally Identifiable Information (including, without limitation, your financial account information and social security number) with Insurance Partners and other third parties with whom we have a business relationship as well as to verify your identity and protect against possible fraudulent transactions. These third parties may use your Personally Identifiable Information to offer or communicate with you about other business or marketing offers. In addition, we may share your Personally Identifiable Information (including your financial account information and social security number) with unaffiliated third party marketers and list managers with whom we have a business relationship.

Any third parties with whom we share Personally Identifiable Information may have their own policies which describe how they use and disclose your information. Those policies will govern the use, handling, and disclosure of your information once we have transferred or shared it with those third parties as described in this Policy or our Terms of Use.

In addition, we may disclose your Personally Identifiable Information in response to a subpoena or similar investigative demand, a court order, or a request for cooperation from a law enforcement agency or other government agency; to establish or exercise our legal rights; to defend against legal claims; or as otherwise required by law. We will disclose your Personally Identifiable Information when we believe disclosure is necessary to investigate, prevent, or take action regarding illegal activity, fraud, or other wrongdoing; to protect and defend the rights, property, or safety of our parent company, its employees, its website users, or others; or to enforce the Terms and Use or other agreements or policies.

In addition, we may transfer Personally Identifiable Information to an entity acquiring all or substantially all of its parent company’s stock or assets.

Links to Third Party Websites

We may provide links or automatically redirect you to third party websites that do not operate under this Policy. For example, if you click on an advertisement presented on our site, you may be taken to a website that we do not operate or control. You should review the privacy statements and terms of use of all third party websites you access. These third party websites may independently solicit and collect information from you. On occasion, those third party websites may provide us with information about your use of those sites.


This Website’s policies, content, information, promotions, disclosures, disclaimers and features may be revised, modified, updated, and/or supplemented at any time and without prior notice at our sole discretion. Changes to this Policy will be posted on this Website and will replace the Effective Date at the top of this policy. You should review this Policy each time you access this Website. If we make any material changes in the way we collect, use, and/or share personal information that may impact you, we will notify you by prominently posting notice of the changes on this Website.

Children’s Privacy

This Website is not intended for use by anyone under the age of 18 or the age of majority in your jurisdiction. We do not knowingly collect Personally Identifiable Information from children under the age of 18.


We have put in place physical, procedural, and technological security measures to help prevent unauthorized access to and improper use of the information we collect online. For example, only a few limited, authorized employees and authorized third parties are permitted to access Personally Identifiable Information and they may do so only for a permitted business function. No website or Internet network can be completely secure. Although we take steps to secure your information, we do not guarantee, and you should not expect, that your personal information, searches, or other communications will always remain secure.

Accessing Your Personally Identifiable Information

If you would like to review and/or request changes to the Personally Identifiable Information that we have collected about you through your use of the Website, please contact us by writing or sending email to the addresses below.

Effective Date: January 1, 2020

This Notice applies to California residents who visit or utilize our services and Website and supplements the other terms of this Privacy Policy. The purpose of this Notice is to provide you with our practices regarding the collection, use, disclosure and sale of your Personally Identifiable Information pursuant to the CCPA and related initiatives.

In addition, the terms below provide you with the information to enable you correct, update, review, or delete your PII and how to communicate your request to us. Under the CCPA, a California resident has Privacy Rights that enable each resident a:

(1) Right to Know About Personal Information Collected, Disclosed, or Sold.

Under the CCPA, you have the right to request that we inform you about what PII we collect, use, disclose, and sell that belongs to you. For reference, PII does not include: (i) publicly available information from government records; (ii) de-identified or aggregated consumer information; (iii) information excluded from the CCPA’s scope such as medical information covered by the Health Insurance Portability and Accountability Act of 1996; (iv) personal information covered by certain sector-specific privacy laws, including, but not limited to, the Fair Credit Reporting Act, the Gramm-Leach-Bliley Act, California Financial Information Privacy Act, or the Driver’s Privacy Protection Act of 1994.
You may submit a verifiable request to invoke your rights under CCPA to us via (888) 400-4868 or [email protected] In order to fulfill this request, we are required to verify your identify and we will require that you verify and confirm your PII that we have collected.

(2) Right to Request Deletion of Personal Information.

You have a right to request the deletion of your PII that we have collected or have maintained in the past 12 months.

You may submit a verifiable request to invoke your rights under CCPA to us via (888) 400-4868 or [email protected] In order to fulfill this request, we are required to verify your identify and we will require that you verify and confirm your PII that we have collected. Upon verification of your PII, we will disclose to you the following: i. the categories of PII that we collected about you; ii. the categories of the sources for the PII that we collected about you; iii. our business or commercial purpose for collecting or selling that PII; and iv. the categories of third-parties with whom we shared your PII.

(3) Right to Opt-Out of the Sale of Personal Information.

You have the right to opt-out (aka unsubscribe) of any sale of your PII by a business. However, if you are using our services or this Website, this is an exemption from the CCPA.

You may submit a verifiable request to invoke your rights under CCPA to us via (888) 400-4868 or [email protected] In order to fulfill this request, we are required to verify your identify and we will require that you verify and confirm your PII that we have collected.

(4) Right to Non-Discrimination for the Exercise of a Consumer’s Privacy Rights.

You have a right to not receive discriminatory treatment by us for the exercise of these privacy rights under the CCPA.

(5) Authorized Agent.

Only you or a person registered with the California Secretary of State that you authorize to act on your behalf may make a verifiable consumer request related to your PII pursuant to the terms of this Privacy Policy.

(6) Limitations on Requests/ Response Time and Response Format.

You may only make a verifiable consumer request for access two (2) times within a twelve (12) month period. We will use our reasonable efforts to respond to a verifiable consumer request within forty-five (45) days of its receipt. If we require more time (up to 90 days), we will disclose to you the basis for the extension.

(7) Contact Us.

Should you need to reach us, please contact us at (888) 400-4868 or [email protected]


California residents are also entitled to know that they may file grievances and complaints with California Department of Consumer Affairs, 400 R Street, Suite 1080, Sacramento, CA 95814; or by phone at 916-445-1254 or 800-952-5210; or by email to [email protected]


If you have questions, comments, or concerns regarding our Privacy Statement, please write to us or click below to contact us.

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