One of my favorite movies is Training Day featuring Denzel Washington and Ethan Hawke. Now, you may be wondering what the movie Training Day has to do with answering interview questions in the world of claims. If you have been living under a rock and never watched the movie, the opening scene starts with the rookie cop (Ethan Hawke) preparing for his first day to impress the leading detective (Denzel Washington) to join his fast-paced unit. As he meets the lead detective for the first time, Denzel tells him:
“You got TODAY and today only to show me who and what you are made of.”
Denzel Washington, Training Day
So listen up as I do my best Alonzo Harris (the character played by Denzel Washington) impersonation: if you are here because you just got the call for an interview/deployment, today is not the day to be sweatin’ bullets! Unless you have never worked before, you need to remember that this is not your first rodeo.
As someone who was recently in your shoes, I KNOW the streets of job hunting can be mean and cutthroat. I applied to over 100 positions until I learned what helped me land multiple offers, so if you are applying to be a claims adjuster, you need to know ONE thing about answering interview questions: You have to treat the interview or phone call as if you have been here before and the only way to do that is to PREPARE!
With each job interview, you have the opportunity to prove your expertise, professionalism, and adaptability in the insurance claims industry. Navigating the interview process successfully requires a strategic approach, understanding the industry’s demands, and anticipating the questions that might be thrown your way.
To help you prepare, we have compiled a list of questions frequently asked during job interviews for independent claims adjusters, as well as questions I have been asked. Whether you are a seasoned pro or a newbie in the field, these questions and tips will be valuable in ensuring you are ready to shine during your next phone call. So grab a pen because training day starts now!
Understanding the 3 Different Types of Interview Questions
1) Resume Type Interview Questions
In any job interview, you can almost guarantee that you will be asked a few questions related to your resume. There are not a lot of these types of questions, but they are designed to provide the interviewer with a deeper understanding of your professional background, skills, and experiences. They may start with “Can you walk me through your resume/experience?” or “What prompted you to transition from your previous role to this one?”
If you do not have specific experience in claims adjusting, this is not meant to make you feel nervous about your previous experience or even question why you applied. Take this opportunity to showcase the progression of your career, emphasizing key achievements and highlighting how your skills align with the requirements of the claims adjuster position.
Most jobs require “Transferrable Skills” and this gives you to chance to explain what you may not have been able to fit on your resume by highlighting your customer service or attention to detail skills. Be ready to discuss any employment gaps, showcasing the valuable skills and knowledge gained during those periods, ensuring your resume tells a comprehensive and compelling story.
2) Claims Experience Interview Questions
If you happen to have experience in the specialized nature of the claims adjuster role, interviewers will likely delve into your experiences in the insurance industry. You can expect questions such as “What type of licenses do you currently have in your possession” or “How do you stay updated on changes in insurance policies and regulations?” These queries aim to assess your technical proficiency and industry knowledge.
These questions typically call for straightforward responses, not in the STAR method format so keep your answers short and straight to the point. Discuss any relevant certifications, training, or workshops you have completed to highlight your commitment to staying informed and maintaining a high level of expertise in claims adjustment. Besides, you worked hard to get that New York license, so it is okay to emphasize how you studied for it while still being able to prioritize your workload!
3) STAR Method Interview Questions
Lastly, this is the most important type of interview question because many employers use the STAR method to assess your behavioral competencies and problem-solving skills. Expect questions like “Can you share an example of a challenging situation you faced as a claims adjuster?” or “If you have dealt with a frustrated customer, can you tell us how you handled it?”
In response, structure your answer using the STAR method. Begin by describing the situation or task, outlining the actions you took to address the challenge, and conclude by highlighting the positive results or lessons learned. This approach allows you to provide a comprehensive and structured response, showcasing your ability to analyze situations, take decisive actions, and achieve favorable outcomes. These interview questions take a lot of practice to ensure that you are well-prepared to answer them in the STAR format. If you struggle with these kinds of questions, you may want to read our blog linked below.
Resume Type Interview Questions for a Claims Adjuster
Can you walk me through your resume and highlight the key milestones in your career as it relates to this role?
This is typically a warm-up question so try not to assume the interviewer did not read your resume. They may be looking for you to provide a concise overview that highlights any significant roles and achievements.
How many years of experience do you have in total?
Employers often start with this question to gauge your overall experience level. Be honest about your years in the industry, as this helps them determine your suitability for the role.
What year did you start working as a claims adjuster?
Share your start date to provide context for your experience and show your commitment to the field. Do not lie because employers are trying to determine how much support you may need in the role they are looking to fill.
What company did you work for, and was it a local or national firm?
Give details about your previous employers, specifying whether they were local or national firms. There may be some companies listed on your resume that the interviewer is not aware of especially if the company is in a different field than the position you are applying for.
What led you to pursue an insurance career and claims adjusting?
Briefly share your genuine interest in helping individuals navigate challenging situations, and highlight any personal or academic experiences that sparked your passion for the field. Maybe you had an uncle who always traveled.
Claims Experience Interview Questions for a Claims Adjuster
What is your national producer number?
Depending on what information you list on your resume, you may be asked this so that the employer can verify your licenses.
What licenses and certifications do you hold?
Be prepared to list the licenses you hold, showcasing your legal qualifications for the role.
What specific insurance-related training have you completed?
Describe any training or certifications you have completed to highlight your commitment to professional development, whether in-person or hosted virtually.
Rate your experience level with Xactimate/CCC One/Mitchel on a scale of 1 to 10.
Xactimate is the industry standard for property adjusting, while CCC One/Mitchell is the standard for auto-adjusting. Be ready to rate your familiarity and expertise with the respective tools depending on the position you are applying for as an adjuster.
When was your last deployment, and can you provide the exact dates?
Provide precise deployment dates to illustrate your recent experience and reliability. Explain the types of deployments you have experienced, such as catastrophe claims or daily adjusting, to showcase your versatility.
How long were you typically deployed during assignments?
Share the duration of your deployments to reveal your ability to commit to assignments. You may want to state deployments that ended earlier than you planned and why they did to paint a vivid picture of your ability to work an assignment to the end if possible.
What types of claims have you handled throughout your career?
Detail the specific types of claims you have managed, including property, auto, or liability claims. You will also want to detail the damages you have assessed, such as hailstone size measurements, to demonstrate your expertise.
How many inspections did you typically perform per day during your assignments?
Describe the number of daily inspections, emphasizing your thoroughness and attention to detail. Share your daily workload to demonstrate your efficiency and productivity.
At the end of your deployment, how many claims did you successfully close in total?
This metric showcases your effectiveness in resolving claims, so provide a precise number. The inspected-to-close ratio is a key metric and if you have a ratio above 70%, you definitely want to highlight that information.
What types of perils have you dealt with, and can you provide an example of a particularly complex peril you’ve assessed?
Specify the perils you have encountered, such as hailstorms, floods, or fires.
STAR Method Interview Questions for a Claims Adjuster
When answering these types of interview questions, focus on your ability to empathize, communicate, and resolve issues effectively. Remember to use the STAR (Situation, Task, Action, Result) method to structure your response:
Can you share a situation where you successfully negotiated a settlement with a challenging policyholder?
Describe a time when you had to handle a complex claim involving multiple parties. What was your approach?
Share an experience where you had to investigate a fraudulent insurance claim. How did you handle it?
Discuss a situation where you had to make a quick decision regarding coverage. What factors did you consider?
Can you provide an example of a claim you processed that required collaboration with legal experts? How did you navigate it?
Describe a time when you had to manage a high volume of claims under tight deadlines. How did you prioritize and ensure accuracy?
Share a situation where you had to communicate difficult decisions to a policyholder. How did you handle it sensitively?
Discuss an instance where you identified and implemented process improvements in claims handling.
Can you give an example of a claim where you had to coordinate with external agencies, such as law enforcement or medical professionals?
Describe a time when you had to handle a claim involving severe weather or a natural disaster. How did you ensure a timely response?
Share a situation where you had to negotiate with repair shops or contractors to ensure fair and efficient claim resolutions.
Discuss a claim where you had to analyze extensive data and use it to make informed decisions. What was the outcome?
Can you provide an example of a claim where you had to work closely with underwriters to assess coverage and liability?
Share an instance where you had to handle a claim involving a policyholder in a challenging financial situation. How did you approach the case?
Can you give an example of a claim where the software you were using (e.g. Xactimate or CCC One) was not working? How did you handle it?
Conclusion
When it comes to landing a job in today’s economy, preparing for success is not just an option; it’s a necessity! In the famous words of Denzel Washington, “It’s chess, it ain’t checkers!” You do not want to roll into an interview like a rookie. Rehearse your answers, know your script, and show them you are the real deal – the one they cannot afford to pass up. In this game, preparation is not just key; it is the master key to opening the door to your next big move.
Even though this may seem like it is written for office interviews, if you are an independent adjuster and you get the call for a deployment opportunity — that’s your interview! By practicing your responses to these common interview questions ahead of time, you will always be able to leave a lasting impression on ANY potential employer. Training day ain’t over until you have aced that interview. Good luck with your interview questions! You’ve got this! 🌟
Related
PRIVACY POLICY NOTICE
Last updated January 01, 2022
This privacy notice for JUSTINTIME LLC (“Company,” “we,” “us,” or “our“), describes how and why we might collect, store, use, and/or share (“process“) your information when you use our services (“Services“), such as when you:
Engage with us in other related ways, including any sales, marketing, or events
Questions or concerns? Reading this privacy notice will help you understand your privacy rights and choices. If you do not agree with our policies and practices, please do not use our Services. If you still have any questions or concerns, please contact us at [email protected].
SUMMARY OF PRIVACY POLICY KEY POINTS
This summary provides key points from our privacy notice, but you can find out more details about any of these topics by clicking the link following each key point or by using our table of contents below to find the section you are looking for. You can also click to go directly to our table of contents here.
What personal information do we process? When you visit, use, or navigate our Services, we may process personal information depending on how you interact with JUSTINTIME LLC and the Services, the choices you make, and the products and features you use. Click here to learn how we process personal information.
Do we process any sensitive personal information? We do not process sensitive personal information.
Do we receive any information from third parties? We may receive information from public databases, marketing partners, social media platforms, and other outside sources. Click here to learn more about how information is collected from other sources.
How do we process your information? We process your information to provide, improve, and administer our Services, communicate with you, for security and fraud prevention, and to comply with law. We may also process your information for other purposes with your consent. We process your information only when we have a valid legal reason to do so. Click here to learn how we process your information.
In what situations and with which parties do we share personal information? We may share information in specific situations and with specific third parties. Click here to learn who we share your information with.
How do we keep your information safe? We have organizational and technical processes and procedures in place to protect your personal information. However, no electronic transmission over the internet or information storage technology can be guaranteed to be 100% secure, so we cannot promise or guarantee that hackers, cybercriminals, or other unauthorized third parties will not be able to defeat our security and improperly collect, access, steal, or modify your information. Click here to learn how we keep your information safe.
What are your rights? Depending on where you are located geographically, the applicable privacy law may mean you have certain rights regarding your personal information. Click here to learn more about your privacy rights.
How do you exercise your rights? The easiest way to exercise your rights is by filling out our data subject request form, or by contacting us. We will consider and act upon any request in accordance with applicable data protection laws.
Want to learn more about what JUSTINTIME LLC does with any information we collect? Click here to review the notice in full of our table of contents.
In Short:We collect personal information that you provide to us.
We collect personal information that you voluntarily provide to us when you express an interest in obtaining information about us or our products and Services, when you participate in activities on the Services, or otherwise when you contact us.
Personal Information Provided by You. The personal information that we collect depends on the context of your interactions with us and the Services, the choices you make, and the products and features you use. The personal information we collect may include the following:
names
phone numbers
email addresses
contact preferences
contact or authentication data
subscription
Sensitive Information. We do not process sensitive information.
All personal information that you provide to us must be true, complete, and accurate, and you must notify us of any changes to such personal information.
Information automatically collected
In Short: Some information — such as your Internet Protocol (IP) address and/or browser and device characteristics — is collected automatically when you visit our Services.
We automatically collect certain information when you visit, use, or navigate the Services. This information does not reveal your specific identity (like your name or contact information) but may include device and usage information, such as your IP address, browser and device characteristics, operating system, language preferences, referring URLs, device name, country, location, information about how and when you use our Services, and other technical information. This information is primarily needed to maintain the security and operation of our Services, and for our internal analytics and reporting purposes.
Like many businesses, we also collect information through cookies and similar technologies.
The information we collect includes:
Log and Usage Data. Log and usage data is service-related, diagnostic, usage, and performance information our servers automatically collect when you access or use our Services and which we record in log files. Depending on how you interact with us, this log data may include your IP address, device information, browser type, and settings and information about your activity in the Services (such as the date/time stamps associated with your usage, pages and files viewed, searches, and other actions you take such as which features you use), device event information (such as system activity, error reports (sometimes called “crash dumps”), and hardware settings).
Device Data. We collect device data such as information about your computer, phone, tablet, or other device you use to access the Services. Depending on the device used, this device data may include information such as your IP address (or proxy server), device and application identification numbers, location, browser type, hardware model, Internet service provider and/or mobile carrier, operating system, and system configuration information.
Location Data. We collect location data such as information about your device’s location, which can be either precise or imprecise. How much information we collect depends on the type and settings of the device you use to access the Services. For example, we may use GPS and other technologies to collect geolocation data that tells us your current location (based on your IP address). You can opt out of allowing us to collect this information either by refusing access to the information or by disabling your Location setting on your device. However, if you choose to opt out, you may not be able to use certain aspects of the Services.
Information collected from other sources
In Short: We may collect limited data from public databases, marketing partners, and other outside sources.
In order to enhance our ability to provide relevant marketing, offers, and services to you and update our records, we may obtain information about you from other sources, such as public databases, joint marketing partners, affiliate programs, data providers, and from other third parties. This information includes mailing addresses, job titles, email addresses, phone numbers, intent data (or user behavior data), Internet Protocol (IP) addresses, social media profiles, social media URLs, and custom profiles, for purposes of targeted advertising and event promotion.
2. HOW DO WE PROCESS YOUR INFORMATION?
In Short: We process your information to provide, improve, and administer our Services, communicate with you, for security and fraud prevention, and to comply with law. We may also process your information for other purposes with your consent.
We process your personal information for a variety of reasons, depending on how you interact with our Services, including:
To deliver and facilitate delivery of services to the user. We may process your information to provide you with the requested service.
To respond to user inquiries/offer support to users. We may process your information to respond to your inquiries and solve any potential issues you might have with the requested service.
To enable user-to-user communications. We may process your information if you choose to use any of our offerings that allow for communication with another user.
To request feedback. We may process your information when necessary to request feedback and to contact you about your use of our Services.
To send you marketing and promotional communications. We may process the personal information you send to us for our marketing purposes, if this is in accordance with your marketing preferences. You can opt out of our marketing emails at any time. For more information, see “WHAT ARE YOUR PRIVACY RIGHTS?” below).
To deliver targeted advertising to you. We may process your information to develop and display personalized content and advertising tailored to your interests, location, and more.
To identify usage trends. We may process information about how you use our Services to better understand how they are being used so we can improve them.
To determine the effectiveness of our marketing and promotional campaigns. We may process your information to better understand how to provide marketing and promotional campaigns that are most relevant to you.
To save or protect an individual’s vital interest. We may process your information when necessary to save or protect an individual’s vital interest, such as to prevent harm.
3. WHAT LEGAL BASES DO WE RELY ON TO PROCESS YOUR INFORMATION?
In Short: We only process your personal information when we believe it is necessary and we have a valid legal reason (i.e., legal basis) to do so under applicable law, like with your consent, to comply with laws, to provide you with services to enter into or fulfill our contractual obligations, to protect your rights, or to fulfill our legitimate business interests.
If you are located in the EU or UK, this section applies to you.
The General Data Protection Regulation (GDPR) and UK GDPR require us to explain the valid legal bases we rely on in order to process your personal information. As such, we may rely on the following legal bases to process your personal information:
Consent. We may process your information if you have given us permission (i.e., consent) to use your personal information for a specific purpose. You can withdraw your consent at any time. Click here to withdaw your consent.
Performance of a Contract. We may process your personal information when we believe it is necessary to fulfill our contractual obligations to you, including providing our Services or at your request prior to entering into a contract with you.
Legitimate Interests. We may process your information when we believe it is reasonably necessary to achieve our legitimate business interests and those interests do not outweigh your interests and fundamental rights and freedoms. For example, we may process your personal information for some of the purposes described in order to:
Send users information about special offers and discounts on our products and services
Develop and display personalized and relevant advertising content for our users
Analyze how our services are used so we can improve them to engage and retain users
Support our marketing activities
Understand how our users use our products and services so we can improve user experience
Legal Obligations. We may process your information where we believe it is necessary for compliance with our legal obligations, such as to cooperate with a law enforcement body or regulatory agency, exercise or defend our legal rights, or disclose your information as evidence in litigation in which we are involved.
Vital Interests. We may process your information where we believe it is necessary to protect your vital interests or the vital interests of a third party, such as situations involving potential threats to the safety of any person.
If you are located in Canada, this section applies to you.
We may process your information if you have given us specific permission (i.e., express consent) to use your personal information for a specific purpose, or in situations where your permission can be inferred (i.e., implied consent). You can withdraw your consent at any time. Click here to learn more about how to withdaw your consent.
In some exceptional cases, we may be legally permitted under applicable law to process your information without your consent, including, for example:
If collection is clearly in the interests of an individual and consent cannot be obtained in a timely way
For investigations and fraud detection and prevention
For business transactions provided certain conditions are met
If it is contained in a witness statement and the collection is necessary to assess, process, or settle an insurance claim
For identifying injured, ill, or deceased persons and communicating with next of kin
If we have reasonable grounds to believe an individual has been, is, or may be victim of financial abuse
If it is reasonable to expect collection and use with consent would compromise the availability or the accuracy of the information and the collection is reasonable for purposes related to investigating a breach of an agreement or a contravention of the laws of Canada or a province
If disclosure is required to comply with a subpoena, warrant, court order, or rules of the court relating to the production of records
If it was produced by an individual in the course of their employment, business, or profession and the collection is consistent with the purposes for which the information was produced
If the collection is solely for journalistic, artistic, or literary purposes
If the information is publicly available and is specified by the regulations
4. WHEN AND WITH WHOM DO WE SHARE YOUR PERSONAL INFORMATION?
In Short: We may share information in specific situations described in this section and/or with the following third parties.
Vendors, Consultants, and Other Third-Party Service Providers. We may share your data with third-party vendors, service providers, contractors, or agents (“third parties“) who perform services for us or on our behalf and require access to such information to do that work. The third parties we may share personal information with are as follows:
Advertising, Direct Marketing, and Lead Generation
Google AdSense
Affiliate Marketing Programs
Amazon Affiliation
Allow Users to Connect to Their Third-Party Accounts
Discord account
Content Optimization
Gravatar, Instagram embed, Google Fonts and YouTube video embed
Retargeting Platforms
Google Analytics Remarketing and Google Ads Remarketing
Social Media Sharing and Advertising
Facebook advertising and Instagram advertising
User Account Registration and Authentication
WordPress Single Sign On
User Commenting and Forums
Google Tag Manager
Web and Mobile Analytics
Google Analytics
Website Hosting
WordPress.com
We also may need to share your personal information in the following situations:
Business Transfers. We may share or transfer your information in connection with, or during negotiations of, any merger, sale of company assets, financing, or acquisition of all or a portion of our business to another company.
5. WHAT IS OUR STANCE ON THIRD-PARTY WEBSITES?
In Short: We are not responsible for the safety of any information that you share with third parties that we may link to or who advertise on our Services, but are not affiliated with, our Services.
The Services may link to third-party websites, online services, or mobile applications and/or contain advertisements from third parties that are not affiliated with us and which may link to other websites, services, or applications. Accordingly, we do not make any guarantee regarding any such third parties, and we will not be liable for any loss or damage caused by the use of such third-party websites, services, or applications. The inclusion of a link towards a third-party website, service, or application does not imply an endorsement by us. We cannot guarantee the safety and privacy of data you provide to any third parties. Any data collected by third parties is not covered by this privacy notice. We are not responsible for the content or privacy and security practices and policies of any third parties, including other websites, services, or applications that may be linked to or from the Services. You should review the policies of such third parties and contact them directly to respond to your questions.
6. DO WE USE COOKIES AND OTHER TRACKING TECHNOLOGIES?
In Short: We may use cookies and other tracking technologies to collect and store your information.
We may use cookies and similar tracking technologies (like web beacons and pixels) to access or store information. Specific information about how we use such technologies and how you can refuse certain cookies is set out in our Cookie Notice.
7. HOW LONG DO WE KEEP YOUR INFORMATION?
In Short: We keep your information for as long as necessary to fulfill the purposes outlined in this privacy notice unless otherwise required by law.
We will only keep your personal information for as long as it is necessary for the purposes set out in this privacy notice, unless a longer retention period is required or permitted by law (such as tax, accounting, or other legal requirements). No purpose in this notice will require us keeping your personal information for longer than 1 year.
When we have no ongoing legitimate business need to process your personal information, we will either delete or anonymize such information, or, if this is not possible (for example, because your personal information has been stored in backup archives), then we will securely store your personal information and isolate it from any further processing until deletion is possible.
8. HOW DO WE KEEP YOUR INFORMATION SAFE?
In Short: We aim to protect your personal information through a system of organizational and technical security measures.
We have implemented appropriate and reasonable technical and organizational security measures designed to protect the security of any personal information we process. However, despite our safeguards and efforts to secure your information, no electronic transmission over the Internet or information storage technology can be guaranteed to be 100% secure, so we cannot promise or guarantee that hackers, cybercriminals, or other unauthorized third parties will not be able to defeat our security and improperly collect, access, steal, or modify your information. Although we will do our best to protect your personal information, transmission of personal information to and from our Services is at your own risk. You should only access the Services within a secure environment.
9. WHAT ARE YOUR PRIVACY RIGHTS?
In Short: In some regions, such as the European Economic Area (EEA), United Kingdom (UK), and Canada, you have rights that allow you greater access to and control over your personal information. You may review, change, or terminate your account at any time.
In some regions (like the EEA, UK, and Canada), you have certain rights under applicable data protection laws. These may include the right (i) to request access and obtain a copy of your personal information, (ii) to request rectification or erasure; (iii) to restrict the processing of your personal information; and (iv) if applicable, to data portability. In certain circumstances, you may also have the right to object to the processing of your personal information. You can make such a request by contacting us by using the contact details provided in the section “HOW CAN YOU CONTACT US ABOUT THIS NOTICE?” below.
We will consider and act upon any request in accordance with applicable data protection laws.
If you are located in the EEA or UK and you believe we are unlawfully processing your personal information, you also have the right to complain to your local data protection supervisory authority. You can find their contact details here: https://ec.europa.eu/justice/data-protection/bodies/authorities/index_en.htm.
Withdrawing your consent: If we are relying on your consent to process your personal information, which may be express and/or implied consent depending on the applicable law, you have the right to withdraw your consent at any time. You can withdraw your consent at any time by contacting us by using the contact details provided in the section “HOW CAN YOU CONTACT US ABOUT THIS NOTICE?” below.
However, please note that this will not affect the lawfulness of the processing before its withdrawal, nor when applicable law allows, will it affect the processing of your personal information conducted in reliance on lawful processing grounds other than consent.
Opting out of marketing and promotional communications:You can unsubscribe from our marketing and promotional communications at any time by clicking on the unsubscribe link in the emails that we send, replying “STOP” or “UNSUBSCRIBE” to the SMS messages that we send, or by contacting us using the details provided in the section “HOW CAN YOU CONTACT US ABOUT THIS NOTICE?” below. You will then be removed from the marketing lists. However, we may still communicate with you — for example, to send you service-related messages that are necessary for the administration and use of your account, to respond to service requests, or for other non-marketing purposes.
Cookies and similar technologies: Most Web browsers are set to accept cookies by default. If you prefer, you can usually choose to set your browser to remove cookies and to reject cookies. If you choose to remove cookies or reject cookies, this could affect certain features or services of our Services. To opt out of interest-based advertising by advertisers on our Services visit http://www.aboutads.info/choices/.
If you have questions or comments about your privacy rights, you may email us at [email protected].
10. CONTROLS FOR DO-NOT-TRACK FEATURES
Most web browsers and some mobile operating systems and mobile applications include a Do-Not-Track (“DNT”) feature or setting you can activate to signal your privacy preference not to have data about your online browsing activities monitored and collected. At this stage no uniform technology standard for recognizing and implementing DNT signals has been finalized. As such, we do not currently respond to DNT browser signals or any other mechanism that automatically communicates your choice not to be tracked online. If a standard for online tracking is adopted that we must follow in the future, we will inform you about that practice in a revised version of this privacy notice.
11. DO CALIFORNIA RESIDENTS HAVE SPECIFIC PRIVACY RIGHTS?
In Short: Yes, if you are a resident of California, you are granted specific rights regarding access to your personal information.
California Civil Code Section 1798.83, also known as the “Shine The Light” law, permits our users who are California residents to request and obtain from us, once a year and free of charge, information about categories of personal information (if any) we disclosed to third parties for direct marketing purposes and the names and addresses of all third parties with which we shared personal information in the immediately preceding calendar year. If you are a California resident and would like to make such a request, please submit your request in writing to us using the contact information provided below.
If you are under 18 years of age, reside in California, and have a registered account with Services, you have the right to request removal of unwanted data that you publicly post on the Services. To request removal of such data, please contact us using the contact information provided below and include the email address associated with your account and a statement that you reside in California. We will make sure the data is not publicly displayed on the Services, but please be aware that the data may not be completely or comprehensively removed from all our systems (e.g., backups, etc.).
CCPA Privacy Policy Notice
The California Code of Regulations defines a “resident” as:
(1) every individual who is in the State of California for other than a temporary or transitory purpose and
(2) every individual who is domiciled in the State of California who is outside the State of California for a temporary or transitory purpose
All other individuals are defined as “non-residents.”
If this definition of “resident” applies to you, we must adhere to certain rights and obligations regarding your personal information.
What categories of personal information do we collect?
We have collected the following categories of personal information in the past twelve (12) months:
Category
Examples
Collected
A. Identifiers
Contact details, such as real name, alias, postal address, telephone or mobile contact number, unique personal identifier, online identifier, Internet Protocol address, email address, and account name
YES
B. Personal information categories listed in the California Customer Records statute
Name, contact information, education, employment, employment history, and financial information
YES
C. Protected classification characteristics under California or federal law
Gender and date of birth
YES
D. Commercial information
Transaction information, purchase history, financial details, and payment information
YES
E. Biometric information
Fingerprints and voiceprints
YES
F. Internet or other similar network activity
Browsing history, search history, online behavior, interest data, and interactions with our and other websites, applications, systems, and advertisements
YES
G. Geolocation data
Device location
YES
H. Audio, electronic, visual, thermal, olfactory, or similar information
Images and audio, video or call recordings created in connection with our business activities
YES
I. Professional or employment-related information
Business contact details in order to provide you our services at a business level or job title, work history, and professional qualifications if you apply for a job with us
YES
J. Education Information
Student records and directory information
NO
K. Inferences drawn from other personal information
Inferences drawn from any of the collected personal information listed above to create a profile or summary about, for example, an individual’s preferences and characteristics
NO
We may also collect other personal information outside of these categories instances where you interact with us in person, online, or by phone or mail in the context of:
Receiving help through our customer support channels;
Participation in customer surveys or contests; and
Facilitation in the delivery of our Services and to respond to your inquiries.
How do we use and share your personal information?
JUSTINTIME LLC collects and shares your personal information through:
Targeting cookies/Marketing cookies
Social media cookies
Click redirects: Amazon Affiliate Link and E-Commerce Affiliate Link.
Social media plugins: Discord and Instagram. We use social media features, such as a “Like” button, and widgets, such as a “Share” button, in our Services. Such features may process your Internet Protocol (IP) address and track which page you are visiting on our website. We may place a cookie to enable the feature to work correctly. If you are logged in on a certain social media platform and you interact with a widget or button belonging to that social media platform, this information may be recorded to your profile of such social media platform. To avoid this, you should log out from that social media platform before accessing or using the Services. Social media features and widgets may be hosted by a third party or hosted directly on our Services. Your interactions with these features are governed by the privacy notices of the companies that provide them. By clicking on one of these buttons, you agree to the use of this plugin and consequently the transfer of personal information to the corresponding social media service. We have no control over the essence and extent of these transmitted data or their additional processing.
More information about our data collection and sharing practices can be found in this privacy notice.
If you are using an authorized agent to exercise your right to opt out we may deny a request if the authorized agent does not submit proof that they have been validly authorized to act on your behalf.
Will your information be shared with anyone else?
We may disclose your personal information with our service providers pursuant to a written contract between us and each service provider. Each service provider is a for-profit entity that processes the information on our behalf.
We may use your personal information for our own business purposes, such as for undertaking internal research for technological development and demonstration. This is not considered to be “selling” of your personal information.
JUSTINTIME LLC has not sold any personal information to third parties for a business or commercial purpose in the preceding twelve (12) months.
JUSTINTIME LLC has disclosed the following categories of personal information to third parties for a business or commercial purpose in the preceding twelve (12) months:
Category B. Personal information, as defined in the California Customer Records law, such as your name, contact information, education, employment, employment history, and financial information.
Right to request deletion of the data — Request to delete
You can ask for the deletion of your personal information. If you ask us to delete your personal information, we will respect your request and delete your personal information, subject to certain exceptions provided by law, such as (but not limited to) the exercise by another consumer of his or her right to free speech, our compliance requirements resulting from a legal obligation, or any processing that may be required to protect against illegal activities.
Right to be informed — Request to know
Depending on the circumstances, you have a right to know:
whether we collect and use your personal information;
the categories of personal information that we collect;
the purposes for which the collected personal information is used;
whether we sell your personal information to third parties;
the categories of personal information that we sold or disclosed for a business purpose;
the categories of third parties to whom the personal information was sold or disclosed for a business purpose; and
the business or commercial purpose for collecting or selling personal information.
In accordance with applicable law, we are not obligated to provide or delete consumer information that is de-identified in response to a consumer request or to re-identify individual data to verify a consumer request.
Right to Non-Discrimination for the Exercise of a Consumer’s Privacy Rights
We will not discriminate against you if you exercise your privacy rights.
Verification process
Upon receiving your request, we will need to verify your identity to determine you are the same person about whom we have the information in our system. These verification efforts require us to ask you to provide information so that we can match it with information you have previously provided us. For instance, depending on the type of request you submit, we may ask you to provide certain information so that we can match the information you provide with the information we already have on file, or we may contact you through a communication method (e.g., phone or email) that you have previously provided to us. We may also use other verification methods as the circumstances dictate.
We will only use personal information provided in your request to verify your identity or authority to make the request. To the extent possible, we will avoid requesting additional information from you for the purposes of verification. However, if we cannot verify your identity from the information already maintained by us, we may request that you provide additional information for the purposes of verifying your identity and for security or fraud-prevention purposes. We will delete such additionally provided information as soon as we finish verifying you.
Other privacy rights
You may object to the processing of your personal information.
You may request correction of your personal data if it is incorrect or no longer relevant, or ask to restrict the processing of the information.
You can designate an authorized agent to make a request under the CCPA on your behalf. We may deny a request from an authorized agent that does not submit proof that they have been validly authorized to act on your behalf in accordance with the CCPA.
You may request to opt out from future selling of your personal information to third parties. Upon receiving an opt-out request, we will act upon the request as soon as feasibly possible, but no later than fifteen (15) days from the date of the request submission.
To exercise these rights, you can contact us by visiting https://justintimeblogs.com/contact/, or by referring to the contact details at the bottom of this document. If you have a complaint about how we handle your data, we would like to hear from you.
12. DO WE MAKE UPDATES TO THIS NOTICE?
In Short: Yes, we will update this notice as necessary to stay compliant with relevant laws.
We may update this privacy notice from time to time. The updated version will be indicated by an updated “Revised” date and the updated version will be effective as soon as it is accessible. If we make material changes to this privacy notice, we may notify you either by prominently posting a notice of such changes or by directly sending you a notification. We encourage you to review this privacy notice frequently to be informed of how we are protecting your information.
13. HOW CAN YOU CONTACT US ABOUT THIS NOTICE?
If you have questions or comments about this notice, you may email us at [email protected].
14. HOW CAN YOU REVIEW, UPDATE, OR DELETE THE DATA WE COLLECT FROM YOU?
Based on the applicable laws of your country, you may have the right to request access to the personal information we collect from you, change that information, or delete it. To request to review, update, or delete your personal information, please submit a request form by clicking here to complete a Data Subject Access Request Form.
1. TERMS AND CONDITIONS
By accessing this Website, accessible from www.justintimeblogs.com, you are agreeing to be bound by these Website Terms and Conditions of Use and agree that you are responsible for the agreement with any applicable local laws. If you disagree with any of these terms, you are prohibited from accessing this site. The materials contained in this Website are protected by copyright and trademark law.
2. USE LICENSE
Permission is granted to temporarily download one copy of the materials on JustinTime Blog’s Website for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license, you may not:
modify or copy the materials;
use the materials for any commercial purpose or for any public display;
attempt to reverse engineer any software contained on JustinTime Blog’s Website;
remove any copyright or other proprietary notations from the materials; or
transferring the materials to another person or “mirror” the materials on any other server.
This will let JustinTime Blog terminate upon violations of any of these restrictions. Upon termination, your viewing right will also be terminated and you should destroy any downloaded materials in your possession whether it is printed or electronic format.
3. DISCLAIMER
All the materials on JustinTime Blog’s Website are provided “as is”. JustinTime Blog makes no warranties, may it be expressed or implied, therefore negates all other warranties. Furthermore, JustinTime Blog does not make any representations concerning the accuracy or reliability of the use of the materials on its Website or otherwise relating to such materials or any sites linked to this Website.
4. LIMITATIONS
JustinTime Blog or its suppliers will not be held accountable for any damages that will arise with the use or inability to use the materials on JustinTime Blog’s Website, even if JustinTime Blog or an authorized representative of this Website has been notified, orally or written, of the possibility of such damage. Some jurisdiction does not allow limitations on implied warranties or limitations of liability for incidental damages, these limitations may not apply to you.
5. REVISIONS AND ERRATA
The materials appearing on JustinTime Blog’s Website may include technical, typographical, or photographic errors. JustinTime Blog will not promise that any of the materials in this Website are accurate, complete, or current. JustinTime Blog may change the materials contained on its Website at any time without notice. JustinTime Blog does not make any commitment to update the materials.
6. LINKS
JustinTime Blog has not reviewed all of the sites linked to its Website and is not responsible for the contents of any such linked site. The presence of any link does not imply endorsement by JustinTime Blog of the site. The use of any linked website is at the user’s own risk.
7. SITE TERMS AND CONDITIONS OF USE MODIFICATIONS
JustinTime Blog may revise these Terms and Conditions of Use for its Website at any time without prior notice. By using this Website, you are agreeing to be bound by the current version of these Terms and Conditions of Use and any future version of the Terms and Conditions.
Any claim related to JustinTime Blog’s Website shall be governed by the laws of us without regard to its conflict of law provisions.
10. SMS/MMS MOBILE MESSAGE MARKETING PROGRAM (INCLUDING CART REMINDERS) TERMS AND CONDITIONS
(a). When you opt-in to the service, we will send you an SMS message to confirm your signup.
(b). Our messaging service will be used for marketing communications (including company updates, events, sales, shopping cart reminders, etc.)
(c). You can cancel the SMS service at any time. Just text “STOP” to the short code. After you send the SMS message “STOP” to us, we will send you an SMS message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us. If you want to join again, just sign up as you did the first time and we will start sending SMS messages to you again.
(d). If at any time you forget what keywords are supported, just text “HELP” to the short code. After you send the SMS message “HELP” to us, we will respond with instructions on how to use our service as well as how to unsubscribe.
(e). We are able to deliver messages to the following mobile phone carriers:
Major carriers: AT&T, Verizon Wireless, Sprint, T-Mobile, MetroPCS, U.S. Cellular, Alltel, Boost Mobile, Nextel, and Virgin Mobile.
Minor carriers: Alaska Communications Systems (ACS), Appalachian Wireless (EKN), Bluegrass Cellular, Cellular One of East Central IL (ECIT), Cellular One of Northeast Pennsylvania, Cincinnati Bell Wireless, Cricket, Coral Wireless (Mobi PCS), COX, Cross, Element Mobile (Flat Wireless), Epic Touch (Elkhart Telephone), GCI, Golden State, Hawkeye (Chat Mobility), Hawkeye (NW Missouri), Illinois Valley Cellular, Inland Cellular, iWireless (Iowa Wireless), Keystone Wireless (Immix Wireless/PC Man), Mosaic (Consolidated or CTC Telecom), Nex-Tech Wireless, NTelos, Panhandle Communications, Pioneer, Plateau (Texas RSA 3 Ltd), Revol, RINA, Symmetry (TMP Corporation), Thumb Cellular, Union Wireless, United Wireless, Viaero Wireless, and West Central (WCC or 5 Star Wireless).
***Carriers are not liable for delayed or undelivered messages***
(f). As always, message and data rates may apply for any messages sent to you from us and to us from you. Frequency of messages may vary. If you have any questions about your text plan or data plan, it is best to contact your wireless provider. For all questions about the services provided by this short code, you can send an email to [email protected].
