Novo Insurance, LLC, along with its affiliates and subsidiaries (collectively referred to as 'Novo', 'Novo Insurance,' 'Company,' 'we,' or 'us'), is a wholly owned subsidiary of Telenav, Inc. ('Telenav'). We own, operate, and manage the website www.novo.us ("website"), including any related parent or child sites (the 'Site'), as well as the Novo Insurance mobile application (the 'Mobile Application'). Together, these are referred to as the 'Novo Insurance Platform.'
This Cookie Policy shall apply to all users of this website. The following information is intended to inform users of this website about the placement, use, and management of cookies in the context of browsing our website.
We use the term "cookies" to refer to cookies and/or similar technologies through which information can be collected automatically.
Cookies are used to provide users of this website with a better browsing experience and services tailored to the needs and interests of individual users, namely for:
Cookies provide Novo Insurance with valuable feedback on how this website is used so that measures can be taken to improve the efficiency and accessibility of this website for its users. Sometimes, the use of cookies also allows the storage of specific settings / preferences set by the users of this website, such as, the language in which a web page is viewed.
An "Internet Cookie" (also known as a "browser cookie," or "HTTP cookie," or "cookie") is a small file of letters and numbers that will be stored on a user's computer, mobile device, or other equipment through which the internet or a specific webpage is accessed.
Cookies are installed by request from a web server to a browser (e.g., Internet Explorer, Firefox, Chrome, Safari). Once installed, cookies have a fixed lifetime and remain "passive" in the sense that they do not contain software, viruses, or spyware and will not access information on the hard drive of the user on whose equipment they are installed. Most cookie consists of two parts: (i) the name and (ii) the content or value of the cookie. Technically, only the webserver that sent the cookie can re-access it when a user returns to the web page associated with that webserver.
There are the following categories of cookies:
Cookies are managed and controlled by web servers, with their lifespan varying significantly based on their intended purpose and functionality. Some cookies, known as session cookies, are temporary and remain active only for the duration of a user's visit to the website. These cookies are automatically deleted once the browsing session ends or the user navigates away from the site. In contrast, persistent cookies are designed to be retained for longer, enabling the website to recognize returning users and recall preferences across multiple visits. The duration for which persistent cookies remain stored on a user's device depends on the specific settings established by the web server or third-party provider that issues them.
Despite their designated lifespans, users retain full control over cookie storage and may delete or manage them at any time through their browser settings. It is important to note that modifying or turning off certain cookies may impact the performance and functionality of the website. For comprehensive details regarding the retention and management of cookies deployed by third-party providers or specific technologies used within our website, users are encouraged to refer to the policies and documentation available on each provider's official website.
Cookies can generally be installed directly by the Controller of the accessed website's, so called "own cookies" or by other websites' "third-party cookies" or "third-party tracking technologies."
Novo may utilize third-party cookies as part of our website functionality and for different purposes as (i) analytics and statistics, (ii) targeted advertising/marketing, and (iii) website personalization. In such instances, we ensure that you are fully and transparently informed about their presence through our cookie banner. You also have the option to decline the use of such cookies at any time, should you choose not to accept them.
Our website only uses credible third-party cookies, and we do not allow any third party to use these cookies other than for the purposes listed in this Policy. When working with third-party companies, we take steps to protect your data. For example, we place contractual limits on how data collected about people using our services is used, and we regularly audit our sites to ensure only authorized cookies are used.
Kindly note that we cannot influence or control third-party cookies that are already on your computer at the time of visiting our website, nor do we have the ability to know what information such cookies collect.
By using/visiting our website, cookies may be placed for the following purposes:
A. Strictly necessary and experience-enhancing cookies:
These cookies play a crucial role in ensuring the website functions smoothly, securely, and efficiently while also enhancing the user experience. They enable core website operations by supporting necessary functionalities such as secure logins, accessibility features, fraud prevention, and system stability. Without these cookies, certain essential services and features may not be available or may not perform optimally.
In addition to supporting fundamental functionality, these cookies help tailor the website to individual preferences by remembering settings such as language selection, display configurations, and other personalized elements. This allows for a more seamless and intuitive browsing experience, ensuring that users can navigate and interact with the website in a way that best suits their needs.
Furthermore, these cookies contribute to the continuous improvement of the website by gathering insights on user interactions. They help identify patterns, optimize performance, and refine content to enhance usability and engagement. By allowing these cookies, users benefit from a secure, stable, and customized digital experience while also enabling the website to evolve and adapt to their needs.
Our necessary and experience-enhancing cookies are provided by:
B. Targeted Advertising/Marketing cookies:
We may use cookies, as well as other technologies, to track various aspects of your interaction with online advertisements, including the type of advertisement viewed, the time elapsed since it was seen, and more. These technologies help provide a more personalized browsing experience and may involve tracking and targeting for advertising purposes. The information collected is typically anonymous and relates to the content viewed, rather than personal details about the user.
By assessing ad performance, these technologies assist us in refining and improving our marketing strategies. Advertising networks typically deploy these technologies with the website operator's consent, supporting targeted advertising efforts tailored to your interests.
Our Targeted Advertising/Marketing technologies used are provided by:
Under the data protection laws of Virginia ("Virginia Consumer Data Protection Act – VCDPA"), Utah ("Utah Consumer Privacy Act – UCPA"), Colorado ("Colorado Privacy Act – CPA"), California ("California Consumer Privacy Act - CCPA, as amended by the California Privacy Rights Act – CPRA"), and Connecticut ("Connecticut Data Privacy Act – CTDPA"), consumers have the right to opt out of the sale of their personal data. This right allows individuals to prevent the transfer of their personal information to third parties for monetary or other valuable consideration.
As a consumer covered by these laws, you may exercise your "Do Not Sell My Personal Data" right at any time. When making this request, you will be directed to a Preference Center, where you will have the ability to manage your data-sharing preferences, including enabling or disabling the sale or sharing of your personal data. This Preference Center will allow you to customize your privacy settings and make informed choices regarding the use of your data. Once submitted, the request will be processed in compliance with applicable legal requirements. No discrimination, denial of service, or differential treatment will result from the exercise of this right.
For further details or to manage your preferences, please visit our Preference Center, where you can review and adjust your privacy settings at any time.
We may share certain categories of anonymized/pseudonymized data, such as encrypted email addresses or phone numbers, with third-party partners strictly for purposes related to the deployment, enhancement, and performance optimization of cookies, pixels, and similar tracking technologies. This may include the enrichment of our tracking tools to improve ad measurement, targeting accuracy, and website functionality, but only where users have already provided their consent for targeted and advertising cookies and have not opted out of data sharing under our 'Do Not Sell' option. All such data is processed in compliance with applicable U.S. privacy laws, using techniques that prevent direct identification of the data subject, and is never shared for unrelated commercial gain or beyond the scope presented herein.
To ensure the proper operation of our website, we may collaborate with trusted service providers and technology partners who assist in hosting, security, and tracking or advertising. These partners may process among others limited data necessary to support critical functionalities, including safeguarding against unauthorized access, managing content distribution efficiently, and optimizing website responsiveness. Performance monitoring and analytics tools also play an essential role in understanding website functionality, user tracking and user interactions, allowing us to refine navigation, detect technical issues, and improve the overall experience. For instance, Google Analytics helps assess visitor engagement trends, while OpenReplay provides insights into session interactions for usability improvements. These tools process anonymized and aggregated data to enhance site performance without identifying individual users.
Certain third-party tools contribute to personalization by remembering user preferences, such as language settings and interface configurations, ensuring a seamless browsing experience. Additionally, our website might integrate consent management platforms that store and process user privacy preferences, ensuring compliance with data protection regulations.
In specific cases, we may also disclose data when required by law, regulatory obligations, or legal proceedings. This may include cooperating with law enforcement authorities, government agencies, or regulatory bodies in response to lawful requests. Furthermore, in the event of a business transfer, such as a merger or acquisition, data may be shared with the acquiring entity solely for continuity of service, ensuring that privacy rights and data protection measures remain in place.
All data shared with third-party partners is subject to strict contractual obligations that prohibit its use for purposes beyond those explicitly stated in our agreements. These partners are required to adhere to robust security and data protection standards, and any data processed is limited to the minimum necessary for its intended function.
Users retain the right to manage their data preferences and have full discretion to adjust their cookie and privacy settings at any time through our Preference Center. By default, all cookies are activated to ensure the optimal functionality and performance of the website; however, users may exercise their rights under applicable privacy laws to disable or modify these settings in accordance with their preferences, ensuring transparency and compliance with regulatory requirements.
Novo may use or implement plug-ins of third-party social networks. In general, your interaction with a plug-in allows the third party to collect information about you, including your IP address, page header, and browser information. Novo has implemented the following social buttons:
Cookies store information in a small text file that allows browser recognition. This website recognizes the browser until the cookies expire or are deleted.
If the use of cookies is not intrusive and the computer or technical equipment used to browse this website is only used by you, long expiry periods may be used to store your browsing history.
If more than one person uses the computer or technical equipment used for browsing this website, you may consider setting it to delete individual browsing data each time the browser is closed.
10.1 How can cookies be turned off?
Disabling and refusing to receive cookies may make this website difficult to visit and may limit your ability to use it. Users can configure their browser to reject or accept cookies from a specific website.
All modern browsers offer the possibility to change cookie settings. These settings can usually be accessed in your browser's "options" or "preferences" menu.
Users also have the possibility to disable cookies (except those strictly necessary for the functioning of this website) via the cookies banner: (i) by accessing the "Configure cookies" option included in the banner signaling the use of cookies, displayed when you first access the website; (ii) by accessing the "Set Cookies" option at the bottom of the webpage.
To understand these settings, the following links may be useful:
The compliance monitoring with legal requirements in this area is also ensured by the Data Protection Officer designated within Novo, having the following contact details: privacy@novo.us.
All information regarding the use of cookies and similar tracking technologies is an integral part of our broader data processing practices and shall be interpreted in conjunction with our General Privacy Policy, which provides comprehensive details on how personal data is collected, processed, stored, and protected. For a full understanding of your rights, the scope of data processing, and additional provisions governing the handling of personal information, please refer to our General Privacy Policy, available at https://www.novo.us/privacy-pledge.
We reserve the right to change the Cookie Policy at any time. Any changes will be published on our dedicated page on https://www.novo.us and will be effective as of the publication date. We will post the most current version of the Policy to our website at https://www.novo.us.
