PRIVACY AND CONFIDENTIALITY
Our Information Collection, Use, and Disclosure Practices. In addition to information you affirmatively provide to us (such as when you fill out a form on our Site, sign up for communications from us or ask us to contact you), when you visit our Site to browse, we may collect, use, and store certain “Site Traffic Information” such as the type of operating system, computer modem, device ID and Internet browser you are using, the date and time you access our Site, the number of times you visit our Site, the particular pages you view, and the length of your visits to our Site. We may use this Site Traffic Information to improve our Site and user experience.
Except as set forth in this policy, we will not use, disclose, or transfer your User Information unless (1) you expressly authorize us to do so; (2) it is necessary to allow our service providers or agents to provide services for us; (3) it is necessary in order to provide our products or services to you (and contact you when necessary); (4) we are sending you other information that may be useful to you; (5) subject to applicable contractual or legal restrictions, it is disclosed to entities that perform marketing services on our behalf or to other entities with whom we have joint marketing agreements; (6) it is necessary to protect the confidentiality or security of your records; (7) subject to applicable contractual or legal restrictions, it is necessary in connection with a sale of all or substantially all of our company assets or if we were to merge with or into another entity; (8) it is necessary in connection with other business purposes including, without limitation, customer care, dispute resolution, service quality assurance, business management and operation, risk assessment, security, fraud and crime prevention/detection/ monitoring, research and analysis, marketing, and/or assessing customer purchasing preferences and trends; (9) it is necessary to comply with law enforcement, governmental mandate, or other legal requirement, if appropriate, for your protection or in connection with an investigation or prosecution of possible unlawful activity; (10) it is necessary for us to provide it to our attorneys, accountants, regulators, auditors or other advisors; or (11) it is otherwise required or permitted by law.
In addition, any information that you send us, such as your questions, suggestions, information, ideas, or other creative material (“Feedback”) belongs to us and will not be treated as confidential. You acknowledge and agree that we may use, reproduce, adapt, distribute, display, disclose, or create derivative works from Feedback without acknowledgement or compensation to you.
Web Analytics Tools, Cookies and Web Beacons.
Information We Collect. We obtain most of our information directly from you. Depending on the nature of your \transaction, we may need additional information about you or other individuals proposed for insurance. We collect non-public personal information about you from the following sources:
- Information you provide us on applications or other forms
- Claims, billing, payment history, and other transaction information we receive from you and others
- Information we receive from other agents, brokers, administrators, investigators, insurance support agencies, legal counsel, financial services providers and consumer reporting agencies and government reporting agencies
Information We May Disclose. We do not disclose any non-public personal information about our customers or former customers to anyone, except as permitted by law. We may disclose non-public personal information about you to the following non-affiliated third parties to effect, administer, or enforce your insurance transaction:
- Claims administrators
- Other insurance companies that might write your policies on renewal
- Appraisers, inspectors, and other insurance support services
- Consumer reporting agencies
- Governmental agencies when required to do so
- Third services parties of which you may engage
- An unaffiliated third party for the purpose of conducting an audit in connection with the operations or services provided
- To a lien holder, mortgagee, assignee, or other person having a legal or beneficial interest in the policy of insurance
- To persons or agencies lawfully entitled pursuant to a subpoena or court order
Your right to opt out. If you do not want us to disclose personal information about you to nonaffiliated third parties, you may tell us so. This is known as “opting out”. If you wish to opt out, call us at 1-800-788-1170. We may share information about you if we do not hear from you within 30 days. However, you may opt-out at any time. Even if you opt-out, we may still disclose information as allowed by law.
Our Security Practices. We restrict access to non-public personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to protect your nonpublic personal information.
We employ and maintain technology and security measures designed to protect your information. When you submit sensitive information on our Site, that information is subject to a variety of protections. However, no data transmission over the Internet can be guaranteed as 100% secure. As a result, while we strive to protect your information, we cannot ensure or warrant the security of any information you transmit to us or receive from us.
Access to your Information. You may write to us if you have any questions about the information that we may have in our records about you. If you wish, you may inspect this information in person or receive a copy by sending us a written request. You can notify us in writing if you believe any information should be corrected, amended, or deleted and we will review your request. We will either make the requested change or explain why we did not do so. If we do not make the requested change, you may submit a short written statement identifying the disputed information, which will be included in all future disclosures of your information.
Although we may take certain precautions to protect those who use these areas of our Site(s), we encourage you to be wary of giving out any Personally Identifiable Information in such public forums. Any information you post or submit can be collected and used by people you don’t know. We cannot guarantee the privacy and safety of these areas and are therefore not responsible for any information you choose to post. You agree not to post any content that violates the privacy rights of anyone else, or that is otherwise unlawful, offensive, obscene or vulgar, threatening, defamatory, hateful, promotes illegal activity or violates the rights of a third party, including without limitation copyright, trademark, or publicity rights. Your use of these features at your own risk.
Informative E-mails. We may send you e-mails with informative information if you provide us with your email. If you would no longer like to receive e-mailed special information, notifications or other messages from us, please send an e-mail to our Client Services team or follow the “Unsubscribe” instructions on such e-mails. Your e-mail address will be removed from our distribution list. Please allow us a reasonable period of time in order to satisfy your request, as some notifications may already be in process.
Special Statement for Job Applicants. Any Personally Identifiable Information you provide to us when applying for a career position with our company will be used solely to consider and act upon your application. We may retain your Personally Identifiable Information for a period of time, but only for as long as necessary for such purposes or as otherwise required by law. We may disclose your Personally Identifiable Information to our agents for the purpose of evaluating your qualifications for the particular position you applied for, for other available positions or as otherwise required by law. We may also disclose your Personally Identifiable Information to third parties hired by us to collect, maintain, and analyze candidates for career positions or as otherwise required by law.
Children’s Privacy. Our site is not intended for anyone under 13 years of age. We are sensitive to privacy issues and look to protect your child’s information. We also strive to be fully compliant with the Children’s Online Privacy Protection Act (COPPA). We strongly encourage parents and guardians to regularly monitor and supervise their children’s online activities. We do not knowingly collect Personally Identifiable Information from children under 13 on our Site without first obtaining verifiable consent from the child’s parent or guardian. NOTICE: Visit www.ftc.gov/kidzprivacy for information from the Federal Trade Commission about protecting children’s privacy on-line.
Your California Privacy Rights. Under California Law, California residents have the right to request in writing from businesses with whom they have an established business relationship, (a) a list of the categories of Personally Identifiable Information, such as name, e-mail and mailing address and the type of services provided to the customer, that a business has disclosed to third parties (including affiliates that are separate legal entities) during the immediately preceding calendar year for the third parties’ direct marketing purposes and (b) the names and addresses of all such third parties. To request the above information, please contact Customer Service at the e-mail address and/or telephone number provided on our Site or write to us (with a reference to California Privacy Disclosure Information) at the address listed on our Site. We will endeavor to respond to such requests for information access within 30 days following receipt at the e-mail or mailing address stated above. If we receive your request at a different e-mail or mailing address, we will respond within a reasonable period of time, but not to exceed 150 days from the date received. Please note that we are only required to respond to each customer once per calendar year.
To learn more about our Cyber Security Policy and Practices, please contact our office.