Effective: January 1, 2021
Personal, Business, and Demographic Information. We may collect contact details, demographic data, and other personally identifiable information (such as name, phone number, email address, Social Security number, driver’s license number, gender, marital status, and birthdate) that you voluntarily provide to us as part of the insurance application process, the registration process for access to your online accounts, when you complete an online form, when you contact us by email, or as otherwise allowed in connection with Insurance Services.
Payment Details. In connection with the payment of premiums or payment of billing statements, we may collect data related to your payment method (e.g. card brand, expiration date, bank routing number).
Credit History. From consumer-reporting agencies, third party services providers, and public records, we may collect information about your credit history and credit worthiness.
Prior Transactions. We may collect information from you, consumer credit reporting agencies, and insurance support organizations about your prior insurance transactions, claims, payment history, and other purchasing experiences.
Derived Information. We collect data our servers automatically recognize when you access our Site or Insurance Services, such as your IP address, operating system, browser version, and the pages you visit on our Site. Such information is not personally identifiable, but it still may be possible to determine from an IP address your internet service provider and the geographic location of your point of connectivity as well as other statistical usage data.
Mobile Device Information. When you access our Site from a mobile device, our servers may automatically record data that your mobile device transmits, including your device name and type, your device ID number, version of your operating system, access times, browser information, user settings, your geographic location, and information about your use of Insurance Services. Your personal information may also be collected via mobile device IDs or other similar tracking technologies to recognize you.
Location Information. When you access our Site, we may collect your generic location data, such as city, latitude, longitude, and compass-related data. Various technologies are used to determine location, including IP address, GPS, Wifi access points, and cell towers.
Having accurate information about you permits us to provide you with a smooth, efficient, and customized experience. Specifically, we may use your personal information in connection with our Site or Insurance Services for one or more of the following purposes:
Underwriting and Claims Activities. Your personal information is used to underwrite your insurance application and make eligibility, risk, rating, and policy issuance decisions. In the event of a claim, we use your personal information to administer the claim.
Customer Service. Your personal information is used to verify your identity before responding to inquiries for policyholder information and to help ensure that you are provided with Insurance Services in a timely manner.
Fraud Detection. In the event of suspicious activity associated with you, your insurance policy, or your online account, we may use your personal information in our investigation to help detect and prevent insurance fraud, a cybersecurity event, an illegal act, or other unauthorized activity.
Data Analysis and De-Identification. Except as otherwise prohibited by law, we may use your personal information to compile anonymous statistical data for use internally or with third parties and to create data not linked or reasonably linkable to you or your household.
Improved Customer Experience. We may use your personal information to help increase the efficiency and operation of our Site and Insurance Services in order to improve your experience. Your personal information may be used to monitor, analyze, and compute usage and trends on our Site, request feedback, or conduct customer surveys.
Marketing. Your personal information is used to notify you of any news or developments regarding Insurance Services, deliver targeted advertising to you, or deliver information we think may be of interest to you, such as information about insurance products.
WE DO NOT SELL YOUR PERSONAL INFORMATION. We may share your personal information as follows:
With Third-Party Services Providers. We may share your personal information with third parties that perform services for us or on our behalf in order to help us underwrite insurance, process transactions, administer claims, and run our operations. The third parties include, without limitation, independent insurance producers, consumer reporting agencies, insurance support organizations, payment processors, data analytics services, email delivery vendors, web hosting services, geolocation application programming interface services (e.g. Google Maps), telecommunication companies, and wireless service providers.
With Affiliates. We may share information we have about you with our affiliates and with our parent organization. The purpose of sharing information about you within our family of companies is to enable them to provide customer service, account maintenance, or to tell you about other products or services that may be useful or beneficial to you.
With Financial Services Providers. We may share information we have about you with other financial services organizations, such as banks, insurance companies, and insurance agencies or brokers with which we have joint marketing agreements for purpose of offering products or services that may be of interest to you.
With Marketing Services Providers. We may share contact and demographic information, such as age and gender, with third parties that perform marketing services for or on our behalf.
To Transfer Risk. As a risk management tool, we may transfer some of our insurance risk to reinsurers that may request information about our insureds in order to evaluate, allocate, or assume the risk.
With Governmental Authorities. We will disclose your personal information to an insurance regulatory authority and any other governmental agency with jurisdiction over us to respond to consumer complaints and comply with audits, examinations, data calls, or any other lawful purpose as permitted or required by any applicable law, rule, or regulation.
To Respond to Legal Actions. If we believe the release of information about you is necessary to respond to a subpoena, other legal process, or a request for information, we may share your personal information as permitted or required by any applicable law, rule, or regulation.
To Protect Lawful Interests. We will share your personal information or exchange information with consumer reporting agencies, insurance support organizations, insurance regulatory authorities, law enforcement, and other governmental agencies as necessary to investigate or remedy potential violations of our policies, to prevent insurance fraud, to reduce credit risk, or to otherwise protect the rights, property, and safety of others.
For Statistical Purposes. We may share some of your personal information with organizations that conduct actuarial or research studies. For example, we may share data about your use of our Site or Insurance Services in a way that does not identify you or may combine data about the nature or frequency of your transactions with similar information about others and share the aggregated information for statistical analysis and other business purposes.
For Business Transactions. If we reorganize or sell all or a portion of our assets, undergo a merger, or are acquired by another entity, we may transfer your personal information to the successor entity. If we go enter bankruptcy or go into receivership, your personal information would be an asset transferred or acquired by a third party.
We give you choices about our use and disclosure of your personal information for marketing purposes. You may restrict our use of your personal information in the following ways:
Email Marketing. We may contact you via email or social media messages to provide you with information about Insurance Services. To stop receiving promotional emails, follow the unsubscribe instructions in our email and/or social media message. We will process your request as soon as it is reasonably practical. Please note that if you are our customer, we may still send you administrative and transactional messages about Insurance Services.
Tele-Marketing. We may contact you via your phone by call, voicemail, SMS, and/or text to provide you with information about Insurance Services. However, if your number is registered on the “Do Not Call List,” we will use reasonable efforts not to make any promotional calls or texts to you without your permission.
Unsubscribe.If you no longer want to be contacted by us for promotional purposes, you may request that we update your marketing preferences by sending an email to email@example.com.
In connection with our Site and Insurance Services, we do not knowingly collect personally identifiable information from children under the age of 16. If you are at least 13 years old but not yet 18 years of age, do not access or use our Site or Insurance Services unless you have received permission from your parent or guardian. If you are under the age of 13, do not submit your personal information through our Site. We encourage parents and legal guardians to monitor their children’s online activity and to help enforce our privacy practices. If you become aware that personally identifiable information from a child under age 13 has been collected in connection with our Site, please contact us at firstname.lastname@example.org.
We use a variety of administrative, technical, and physical security measures to help protect your personal information. While we have taken reasonable steps to safeguard your personal information against unauthorized access, please be aware that despite our efforts, no security measures are perfect or impenetrable and no method of data transmission can be guaranteed against any interception or other type of misuse. Any information disclosed online can potentially be intercepted and used by unauthorized parties.