Information We Collect
We collect nonpublic personal information about you from the following sources:
- Information which we receive from you on applications or other forms (such as your name, address and date of birth);
- Information about your transactions with us, our affiliates or others; and
- Information which we receive from third parties, such as consumer reporting agencies.
Information We Disclose to Nonaffiliates
We do not disclose any nonpublic personal information about you to any nonaffiliated third parties, except as permitted by law. Disclosures which are permitted by law include, but are not limited to, disclosures which are necessary to service your policy, to investigate and pay claims, and to process transactions that you request. We also may disclose nonpublic personal information about you to third parties that perform marketing services on our behalf or to other financial service providers with which we have joint marketing agreements.
Information We Disclose within our Corporate Family
(Unless You Inform Us Not To)
We are permitted by law to share information about our experiences and transactions with you (such as your payment and claims history and the types of insurance coverages you purchase from us) within our corporate family, which includes such entities as insurance companies, banks and finance companies. Unless you tell us not to, we also may share information which does not relate solely to our experiences and transactions with you (“nonexperience information”) within our corporate family. Nonexperience information includes information we obtain from your application (such as your date of birth, the types of vehicles you own, or the value of your home), information we obtain from a consumer report (such as your insurance score or credit history), information we obtain to verify representations made by you (such as motor vehicle reports and your prior loss history with other insurers) and information we obtain from a third party regarding that party’s employment, credit or other relationship with you (such as your employment history). If you prefer that we not share nonexperience information within our corporate family, you may direct us not to do so by calling us toll free at 1-888-288-2888. Please understand that if you choose this option, we may not be able to inform you of products or services that may be of particular interest to you, and in certain cases your transactions with us may be delayed.
If one party to a joint policy account or other relationship with us directs us not to share nonexperience information within our corporate amily, we will treat that direction as applying to all parties to the joint policy, account or other relationship.
We will also adhere to any State privacy law requirements not addressed herein.
We restrict access to nonpublic personal information about you to those employees and outside service providers who need to know that information to provide products or services to you. We maintain physical, electronic and procedural safeguards that comply with applicable federal and state regulations to guard your nonpublic personal information.