Privacy Policy

Last modified: 5/1/2022

Introduction

Welcome to our Website! BORROWEDTYME LLC (“BorrowedTyme” or “We”) respect your privacy and are committed to protecting it through our compliance with this policy.

This policy describes the types of information we may collect from you or that you may provide when you visit the website borrowedtyme.com (our “Website”) and our practices for collecting, using, maintaining, protecting, and disclosing that information.

This policy applies to information we collect:

On this Website.
In email and other electronic messages between you and this Website.

It does not apply to information collected by:

Us offline or through any other means, including on any other website operated by BorrowedTyme or any third party (including our affiliates and subsidiaries); or
Any third party (including our affiliates and subsidiaries), including through any application or content (including advertising) that may link to or be accessible from or on the Website.

Please read this policy carefully to understand our policies and practices regarding your information and how we will treat it. If you do not agree with our policies and practices, your choice is not to use our Website. By accessing or using this Website, you agree to this privacy policy. This policy may change from time to time. Your continued use of this Website after we make changes is deemed to be acceptance of those changes, so please check the policy periodically for updates.

Children Under the Age of 18

Our Website is not intended for children under 18 years of age. No one under age 18 may provide any information to or on the Website. We do not knowingly collect personal information from children under 18. If you are under 18, do not use or provide any information on this Website or on or through any of its features or otherwise register on the Website, make any purchases through the Website, use any of the interactive or public comment features of this Website or provide any information about yourself to us, including your name, address, telephone number, email address, or any screen name or user name you may use. If we learn we have collected or received personal information from a child under 18 without verification of parental consent, we will delete that information. If you believe we might have any information from or about a child under 18, please contact us at info@borrowedtyme.com.

Information Outside of the United States

The Website may be stored and processed in the United States and is intended only for users located in the United States. If you are a resident of or located in the European Union or elsewhere outside of the United States, please do not use the Website or provide any information to us or otherwise through the Website. Be aware that information we collect will be transferred to and processed in the United States. By using the Website or providing us with any information, you acknowledge to this transfer and processing of information in the United States.

Information We Collect About You and How We Collect It

We collect several types of information from and about users of our Website, including information:

by which you may be personally identified, such as first name, last name, e-mail address

directly from you when you provide it to us.
automatically as you navigate through the site. Information collected automatically may include usage details, IP addresses, and information collected through cookies, web beacons, and other tracking technologies.

Information You Provide to Us

The information we collect on or through our Website may include:

Information that you provide by filling in forms on our Website.
Records and copies of your correspondence (including email addresses), if you contact us.

Information We Collect Through Automatic Data Collection Technologies

As you navigate through and interact with our Website, we may use automatic data collection technologies to collect certain information about your equipment, browsing actions, and patterns, including:

Details of your visits to our Website, including traffic data, location data, logs, and other communication data and the resources that you access and use on the Website.
Information about your computer and internet connection, including your IP address, operating system, and browser type.

The information we collect automatically may include personal information, or we may maintain it or associate it with personal information we collect in other ways or receive from third parties. It may help us to improve our Website and to deliver a better and more personalized service, including by enabling us to estimate our audience size and usage patterns.

The technologies we use for this automatic data collection may include Cookies (or browser cookies). A cookie is a small file placed on the hard drive of your computer.

Third-Party Use of Cookies and Other Tracking Technologies

Some content or applications, including advertisements, on the Website are served by third-parties, including advertisers, ad networks and servers, content providers, and application providers. These third parties may use cookies alone or in conjunction with web beacons or other tracking technologies to collect information about you when you use our website. The information they collect may be associated with your personal information or they may collect information, including personal information, about your online activities over time and across different websites and other online services. They may use this information to provide you with interest-based (behavioral) advertising or other targeted content.

We do not control these third parties’ tracking technologies or how they may be used. If you have any questions about an advertisement or other targeted content, you should contact the responsible provider directly.

How We Use Your Information

We use information that we collect about you or that you provide to us, including any personal information:

To provide you with information, products, or services that you request from us.
To fulfill any other purpose for which you provide it.
To carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing and collection.
In any other way we may describe when you provide the information.
For any other purpose with your consent.

Disclosure of Your Information

We may disclose personal information that we collect or you provide as described in this privacy policy:

To our subsidiaries and affiliates, including without limitation our chapters.
To contractors, service providers, and other third parties we use to support our business.
To a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by us about our Website users is among the assets transferred.
To fulfill the purpose for which you provide it.
For any other purpose disclosed by us when you provide the information.
With your consent.

We may also disclose your personal information:

To comply with any court order, law, or legal process, including to respond to any government or regulatory request.
To enforce or apply our terms of use and other agreements, including for billing and collection purposes.
If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of BorrowedTyme, our customers, or others. This includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction.

Choices About How We Use and Disclose Your Information

We strive to provide you with choices regarding the personal information you provide to us. We have created mechanisms to provide you with the following control over your information. You can set your browser to refuse all or some browser cookies, or to alert you when cookies are being sent. If you disable or refuse cookies, please note that some parts of this site may then be inaccessible or not function properly. We do not control third parties’ collection or use of your information to serve interest-based advertising. However these third parties may provide you with ways to choose not to have your information collected or used in this way. You may be able to opt out of receiving targeted ads from members of the Network Advertising Initiative (“NAI”) on the NAI’s website.

Your California Privacy Rights

California Civil Code Section § 1798.83 permits users of our Website that are California residents to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes.

To make such a request, please send an email to: info@borrwedtyme.com.

Data Security

The safety and security of your information also depends on you. You are responsible for protecting access to your e-mail account. We ask you not to share your password with anyone. Further, unfortunately, the transmission of information via the internet is not completely secure. Although we do our best to protect your personal information, we cannot guarantee the security of your personal information transmitted to our Website. Any transmission of personal information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on the Website.

Changes to Our Privacy Policy

It is our policy to post any changes we make to our privacy policy on this page. The date the privacy policy was last revised is identified at the top of this page. You are responsible for ensuring we have an up-to-date active and deliverable email address for you, and for periodically visiting our Website and this privacy policy to check for any changes.

Contact Information

To ask questions or comment about this privacy policy and our privacy practices, contact us at info@borrowedtyme.com.

Company Overview

In 2020, an independent agent in Ohio ran three different agency management systems they had secured through multiple agency acquisitions. They searched the market for a replacement solution that would provide them with a solid foundation for the future. After evaluating all the traditional players in the market, they were disappointed with what they found and knew it was time for a change.

They had already been using Salesforce as their customer relationship management (CRM), and after many years of use, they understood the power of the offering. It was more than a CRM - it was a leading cloud platform with a growing innovation community.

They went on to build out the capabilities to run an independent agency on Salesforce Financial Services Cloud and successfully moved to the platform - replacing all three of the traditional agency management systems they were running. In the end, they had achieved the goal and now operate the entire agency on a single platform.

In 2022, they formed a consortium to share the solution with like-minded agencies. The consortium is called borrowedtyme. The agencies within borrowedtyme have defined, ideated, and developed the capabilities that now make up the btcore offering. The capabilities are implemented and proven within the consortium before being released in the commercial btcore offering. This is critical to the success of the platform.

btcore has been designed by agents, for agents, and it provides insurance agents and brokers with the core cloud capabilities to operate at a world-class level.