Dear Customer, Welcome!

Thank you for joining the Bernstein Insurance “App” powered by AllQuestTM LLC.

Please read the Terms and Conditions and the Privacy Policy in order to enjoy the Bernstein Insurance Application powered by AllQuestTM LLC.



These terms of use and conditions (“Terms & Conditions”) apply to your use of the Bernstein Insurance Application powered by AllQuestTM LLC. The App is made available by Bernstein Insurance.

By downloading, installing and using the App you confirm that you have read, understood and agree to these Terms & Conditions in their entirety and all other applicable laws.

If you do not agree to these Terms & Conditions in their entirety you must uninstall the application from your mobile device.

We hereby grant you a personal, non-exclusive, non-transferable, limited, right to download the App for your own limited, personal, non-commercial and lawful use on your mobile device, provided always that such use is subject to, and in accordance with, these Terms & Conditions. The App and all content within it is made available to you on a limited license basis, and all rights and title in and to the App and all content within it not expressly granted under these Terms & Conditions are expressly reserved to us.

You must not remove or alter any copyright and other proprietary notices contained within the App. Neither the App nor any part of or content within it may be distributed, reproduced, modified, transmitted, reused, re-posted or used for public or commercial purposes.

Please note that use of the App and is subject to your portable device complying with our minimum standard technical specification and compatibility notice. You are advised to check this specification to ensure that your portable device is compatible with our products and services and we shall not be liable for any failure arising in the App, which arises from incompatibility (including, without limitation, minimum storage and memory requirements from time to time).

While we use reasonable efforts to ensure that the App is free from viruses and other malicious content, neither we nor any other party involved in producing or delivering the App assumes any responsibility, nor shall be liable for any damage to, or viruses that may infect, your portable device or other property on account of your access to, use of, the App or your downloading of any materials, data, text, images, video or audio from the App. Except where required by applicable law, we shall not be liable to any person for any loss or damage they suffer as a result of viruses or other malicious or harmful content that they access from or via the App.

We reserve the right to make changes to these Terms & Conditions or to the functionality, features, feature or content of the App at any time. Changes to these Terms & Conditions will be notified through the notifications function on your App. You will need to download a new version of the App if you wish to receive the benefit of any changes we may make to it.

Bernstein Insurance reserves the right to amend this Privacy Policy at any time. Any amendment to this Policy shall be notified through the notifications function on your App.

These Terms & Conditions shall be governed by the laws of United States and any matter or dispute arising in connection with them or in connection with the App shall be subject to the exclusive jurisdiction of the courts of the United States.

You are responsible for compliance with applicable local laws relating to the use of or otherwise connected with the App. To the extent that the App or any activity contemplated by it would infringe any law of a jurisdiction other than the United States, then you are prohibited from accessing or using the App or attempting to carry on any such offending activity and this provision shall override all other provisions of these Terms & Conditions.



This application (the “App“) has been developed by AllQuest LLC and is operated and maintained by Bernstein Insurance. Bernstein Insurance is committed to protecting the privacy of your personal information while striving to provide the very best user experience. We want our App to be safe and enjoyable for everyone. If you have any concerns, questions or comments about this privacy policy (the “Privacy Policy”) or the App, you can contact us using the contact details below.

We are committed to safeguard your privacy and treat any information provided to us with complete confidentiality.

When you download the App, use one of our services, or provide us with personal information in a survey or questionnaire, you will be asked to indicate that you have read and agreed to this Privacy Policy. In giving your consent, you agree to the collection and use of your personal information by Bernstein Insurance.

If you do not want your personal information to be used in this way, then please do not use our products and services.

Your decision to participate in a survey, respond to specific questions or discontinue your participation shall be respected without question.


Your Privacy is of utmost importance to us

Opinion polls, using appropriate questions, perform an important role in society. Companies, political parties, political organizations, entities and governments make better decisions based on organized results. As a participant in a poll or survey, your opinions will help us to better know the public opinion.

Therefore, we have developed this Privacy Policy that governs the way we collect, use, disclose, transfer and store your information. Please review our privacy practices below and contact us by e-mail at, if you have any questions or concerns in relation to this Privacy Policy or data processing.

How we collect information

We will collect information when you take part in a poll or survey run in the App (in this case you will use your personal information in accordance with the terms of the poll or survey).

We can collect non-personal information and personal information. Non-personal information is data that does not enable direct association with any specific person (the “Non-Personal Information”). Personal information is data that can be used for individual identification or to contact a specific person, for example, your name, e-mail, city, state, zip code (the “Personal Information”).

We also may collect information such as profession, language, zip code, area code, unique device identifier, location and time zone where the App is used so we can better understand the behavior of the user and improve our services.

How we use your Non-Personal Information and your Personal Information

Your Personal Information and opinion on a certain topic enables us to construct a complete databank/database with information on various issues/topics authorized by the user, giving us the ability to forward this information on a consolidated basis and without disclosing individual identities of our users.

Bernstein Insurance may collect and analyze your Non-Personal Information and your Personal Information (without disclosing individual identities) in order to better understand its users.

When you take part in a poll or survey run in the App we will use your personal information in accordance with the terms of the poll or survey.

Any information supplied to us shall be used exclusively in our reports with no mention of specific personal data.

We will not disclose your personal information to any third parties without your consent.

 We may share your personal information with our partners, who provide us with IT and support services to help us manage and store information, and who may require such information for the performance of any contract we enter into with them.

Cookies and Other Technology

The App may use cookies and other technologies to help us to better understand the users’ behavior. We treat the information collected through cookies and other technologies as non-personal information. However, if IP (Internet Protocol) addresses or similar identifiers are considered personal information by local laws, we also treat these identifiers as personal information. Likewise, if non-personal information is consolidated with personal information, we treat the consolidated information as personal information for the purposes of this Privacy Policy.

Bernstein Insurance and their associates use cookies and other technologies for mobile publicity services to control the number of times you view a certain advertisement, access advertisements related to your interests and to measure the effectiveness of publicity campaigns. We use this information to understand and analyze trends, learn about user behavior, collect general demographic information on our user base and forward this information to the clients who contract our survey services.


Bernstein Insurance may be obligated by law, process, litigation and/or decisions of public or governmental authorities, in or out of the country where you reside, to disclose your Personal Information. We may be required to disclose your information if this disclosure is for the purpose of national safety, legal requirement or other issues of public importance or when the disclosure is required or appropriate.

We may also disclose your information if such disclosure is reasonably necessary to enforce our Terms & Conditions or protect our operations or users. In addition and in the case of restructuring, merger or sale, we may transfer any and all personal information to the applicable third party (successor in interest).

Safeguarding Personal Information

Bernstein Insurance takes precautions, including administrative, technical and physical measures, to safeguard your Personal Information from loss, theft, or misuse, as well as unauthorized access, disclosure, modifications and destruction.

You are responsible for your Personal Information that you allow to be published. Bernstein Insurance reserves the right, at its sole discretion, to cancel the user registration, if the information provided is considered to be irregular, incoherent or fraudulent.

Integrity and Retention of Personal Information

Bernstein Insurance will help maintain your Personal Information accurately, completely and up to date. Personal information will only be kept for the length of time necessary to perform the purposes presented in this Privacy Policy, unless a longer period is required or allowed by law.


We do not intentionally collect Personal Information from underage children, according to U.S. legislation. If we become aware that we collected Personal Information from an underage child, according to U.S. legislation, we will take measures to exclude such information within a reasonable time period.

Users from Other Countries

The information that you provide to us may be transferred or accessed by us, as outlined in this Privacy Policy.

Bernstein Insurance follows the Safe Harbor standards established by the Department of Commerce of the United States of America regarding the collection, use and retention of personal information collected by companies in the European Economic Area and Switzerland. For more information about the Department of Commerce of the United States of America Program, please visit


Our Company’s Commitment to Your Privacy

To ensure that your Personal Information is secure, all Bernstein Insurance employees are informed of our privacy and security guidelines and strictly follow the precautionary measures in relation to privacy within the company.

Final Remarks on the Privacy Policy

Bernstein Insurance warrants the confidentiality of the user data provided through the App, and this data will not be sold or supplied to any third parties. Only in the case of legal or administrative processes may this data be disclosed without prior notice to the user.

Any information provided by the user is confidential, private and owned by Bernstein Insurance, and the reproduction of such information is prohibited under penalty of the law, whether in full or in part, by any method that is known or may be created in the future.

To warrant the information security, the most efficient protection mechanisms available on the market are used including encryption, security devices, and access protocols, among others.

Special treatment is also given to information security through storage on internal servers protected by firewalls in a secure environment. In certain cases, research data are temporarily stored on supplier owned servers, who are obligated to respect our Privacy Policy by contract.

To produce reports and analyses, the information provided by all users is consolidated. Therefore, the user is assured that the research reports and analyses supplied to the clients do not include any personal data and personal data will never be used for the sale of goods or services to anyone.

Participation in a survey is always voluntary.

When a new user registers with App, they are asked to provide their e-mail which becomes their user login and a password in order to create an identifier and an individual record in the system associated with statistics generated from the research reports and as a means of direct communication.

By registering with the App, the user may automatically begin to receive surveys.

Bernstein Insurance reserves the right, at its sole discretion, to cancel the user registration, if the information provided is considered to be irregular, incoherent or fraudulent. Therefore the user shall ensure that all information provided in their registration is true, complete and up to date.

Bernstein Insurance reserves the right to amend this Privacy Policy at any time. Any amendment to this Policy shall be notified through the notifications function on your App. You will need to download a new version of the App if you wish to receive the benefit of any changes we may make to it.