About this notice

Is it hard to trust internet these days with your information? Well we are committed to protect your privacy and earn your trust. this notice describes the personal information we collect about you and ways in which we use it and most importantly ways in which we protect it. It applies to our customers living in your state (both current and former) and replaces earlier versions we have given to you.

Summary

What do we actually do? Here is the summary (for details, read the entire policy):

Information gathering: we gather information from you, your transactions with us and outside sources.

• Information usage: Your information is used only to conduct our business and provide insurance to you.
• Information sharing: We share information with your selected agent and companies that provide certain services and products you request through us.
• Consent: We will not share your information with other companies for their independent marketing purposes.
• Customized restriction: You can limit our use of some information for marketing purposes.
• General restriction/limit: We limit access to your information and use safeguards to help protect it.
• Information review: You always have a right to review and edit your information.

What information do you collect about me?

The basic purpose of information gathering is to quote and service your insurance policy. It is called ‘Nonpublic Personal Information’. As the name suggests, it identifies you but is not available to the public. Again, it depends upon the product that we are targeting to secure, so the information is gathered through different sources. Few of the ideas are given below. It must be kept in mind that all of these are not necessarily applicable on everyone.

Application information:

We obtain this information you. How? Well, through:

1. Your agent or broker
2. Phone
3. Online source
4. Directories
5. Outside source

It includes the following information:

1. Name
2. Street
3. Email address
4. Phone number
5. Driver’s license number
6. Social security number
7. Date of birth
8. Gender
9. Marital status
10. Type of vehicle
11. Other drivers

Consumer Report Information:

This information comes from consumer reporting agencies. It includes:

1. Driving record
2. Claims history with other insurers
3. Credit report information

This information is kept by consumer reporting agencies and disclosed by them to others only according to law. Hence this information is also not public enough to get manipulated by any xyz.

Transaction Information:

It contains information about your transactions with us, our affiliates and others. It includes:

1. Insurance coverages
2. Limits and rates
3. Payments
4. Claims history
5. Information required for billing and payment

Website information:

This information is unique to the internet transactions. It may include:

1. Information about how you linked to our website
2. IP addresses
3. Information about your device
4. Time of visit
5. Pages you visit on our website.

When you visit our websites, we use cookies, web beacons, and other technology to collect information about you and your activities on our websites to provide services to you, enhance your online experience, and advertise our products and services. You need not worry; this practice is totally in accordance with the national and international laws.

Who might get information about me from you?

We iterate this fact that all information we share about you is done according to the law. No public Personal Information is NEVER sold out to companies for their independent marketing. Hence you should trust us with your information and reminding of privacy is just too redundant a task. We know it, and we value your privacy.

Disclosures include those that we feel are required to provide insurance claims or customer service, prevent fraud, perform research or comply with the law. Recipients include, for example, our family of companies, claims representatives, service providers, consumer reporting agencies, insurance agents and brokers, law enforcement, courts and government agencies. These parties may disclose the information to others as permitted by law. For example, consumer reporting agencies may disclose Transaction Information received from us to other insurance companies with which you do business.

In some cases, the law permits us to disclose application and transaction to other companies who can assist us to broaden our marketing horizon improving product outreach. These service providers may include financial institutions with which we have joint marketing agreements.

Do we ever share your Nonpublic Personal Information (NPI)? We do to some companies who provide us with products and services. These companies have their own privacy policies and use the information according to them.

Can I limit the use of my information for marketing?

Of course. While we may share your Nonpublic Personal Information among our family of companies so they may offer products and services to you, you always have a right to limit some of this marketing by calling us at (855) 212-0324. Your choice will apply to all people listed on your policy.

How do you protect my information?

We restrict access to your Nonpublic Personal Information to our employees and others who we feel must use it to provide our products and services or otherwise run our business. Their use of the information is limited by:

• Law
• Employee code of conduct
• Written agreements (where appropriate)

We also maintain physical, electronic and procedural safeguards to protect your information.

How can I review and correct the information you have about me?

Your information is always editable. To review your information with us, send a written request to CAA Financial, 3033 S Parker Rd Ste 750, Aurora, CO 80014. There are some details you should take care of while applying for a review. You must describe the kind of information you want to review and state that your request is in response to this Privacy Policy. Include your:

• full name
• mailing address
• policy number (if applicable).

Within 30 business days, we will contact and explain you with what is available and how you may request corrections. We will also name anyone we show as having received the information within two years prior to your request. Finally, we will identify the companies that have provided Consumer Report Information about you.

Regarding the review, you have options. You may either review the information at our offices or receive a copy of it for a fee to cover our costs. We will not provide information that we feel is privileged, such as information about insurance claims or lawsuits.

In response to your request made via earlier described methods, within 30 business days, we will either make the requested correction or tell you why we will not. We cannot correct Consumer Report Information, such as your credit report. To do this, you must contact the consumer reporting agency that provided it.

Finally, if we make your requested correction, we will notify you in writing. We will also notify anyone named by you who may have received the information within the previous two years. If required by law, we will also notify others who may have given it to or received it from us. If we refuse to make the requested correction, you may file with us a concise written statement about why you object, including the information you think is correct. Your statement will then become part of your file. It will be sent to the same persons to whom we would send a copy of any correction or change.

Additional information about Internet practices

What do we collect online and why? When you visit our websites, we collect website information for a variety of reasons. For example, if you start an insurance quote on our website, but decide to finish it later, we will save your information so you can pick up where you left off. It will save you from starting the process all over again. We may use website information to serve ads to you across multiple devices, such as your computer, smartphone, or tablet, or to limit the number of times you see our ads. We may also use website information to customize your experience with and analyze your use of our websites and interaction with our ads.

We may transmit certain website information to third party advertising companies we work with such as Ad Companies to measure the efficiency of our advertising or track referrals to our website by Ad Companies. Of course, it is one of the many purposes. Some of these Ad Companies may be able to associate website information with other information they already have about you.

We advertise through Ad Companies on websites, mobile apps, and internet-connected platforms such as streaming TV devices. Some of these sites, apps, and platforms may use cookies, web beacons and other technology to capture and transmit information about you or your device to us or our service providers. These service providers may use information about your visits to and interactions with this and other websites, mobile apps and platforms, or the ads themselves, together with information about you, your purchases or interests (which may include Website Information), to provide ads about goods and services that may be of interest to you ("Interest Based Advertising"). Some of this information may be exchanged with us or other service providers for market research or to analyze and manage our advertising and marketing efforts.

We adhere to the Digital Advertising Alliance's ("DAA's") Interest Based Advertising principles. You may limit the extent to which Website Information is used to deliver Interest Based Advertising by accessing the DAA’s WebChoices tool athttp://optout.aboutads.info. The WebChoices tool will provide you with more information about your privacy choices, a list of companies that compile Website Information about your interactions with this and other websites, and a means to opt out of the collection and use of certain Website Information for Interest Based Advertising on your browser. You can also opt out of receiving certain Interest Based Advertising from CAA Financial by clicking on the advertising options icon displayed in certain CAA Financial ads shown to you online. By clicking the icon, you can learn more about and opt out of the collection and use of certain Website Information for Interest Based Advertising on your browser.

Bothered by cookies? You have solutions and options. You may have other means of controlling the use of cookies and other tracking technologies on this and other websites. You may be able to instruct your browser or mobile device to warn you each time a cookie is being sent, or to reject all or certain kinds of cookies. Typically, you can do this by changing the privacy settings on your internet browser or device. However, if you choose to reject cookies, some websites may not function properly, and some website services may be diminished. Flash cookies may be managed using the Adobe Flash Player™ settings manager available at www.adobe.com. In most cases, you must manage these settings on each of your browsers or devices (i.e., blocking cookies on your desktop browser may not be effective for your mobile device).

Your browser or device may include a "do not track" (DNT) setting that signals websites to disable tracking by third parties, such as advertising companies. Our websites do not recognize the DNT signal, but you may access the DAA's WebChoices tool to manage your Interest Based Advertising preferences.

While we believe that these means of controlling the use of cookies and other tracking technologies constitute reasonable choice regarding website information and interest-based advertising, some cookies and other tracking technologies may persist on this and other websites.

Our strong belief lies in active communication. We will send our policyholders a written privacy policy with any changes at least once a year. Website visitors who are not policyholders should refer to the date at the top of this notice to see if it has been updated. Moreover, pay heed to our notifications.

Why do you ask for my e-mail address?

When you quote or buy insurance on our website, we collect your e-mail address so that we can send you e-mails concerning your transactions with us. We may also send updates with other information we think you will find useful. You can stop receiving these updates by using the links provided in the emails I.e. unsubscribing the service. Customers may also manage their preferences in the policy services area of our website. It will automatically generate content according to your interest rather than general content that is sent to anyone who joins our website.

We will share your e-mail address with our service providers and your selected agent or broker.

We will not share your e-mail address with other companies for their marketing purposes.

What about website security?

Gladly, we have taken enough security measures to secure your information. Our security measures help ensure that your data is secured and encrypted, so that others cannot access it while in transit. We limit access to our servers and require our employees to adhere to high standards of ethics and integrity in performing their jobs.

What about links to other websites?

Other related websites can be easily sought by an individual himself but our website contains links to other sites that are not maintained by us. We make no warranties or representations about other websites. We recommend that you read the privacy and security policies of these sites before using them for any purpose whatsoever. Reading privacy policy is highly encouraged.

What does the technical jargon mean?

Few of the jargon that might help you understand us better:

Cookie: A small text file saved in your computer when you access certain Web pages. Cookies identify you to the website that gave you the cookie.

Internet protocol (IP) address: A string of numbers that are translated into a domain name. It can be easily tracked if the law permits.

Web beacon: Also called a Web bug, pixel tag or clear GIF, a Web beacon is a clear graphic image placed in Web pages. Web beacons are used with cookies to monitor user activity on a website.

Effective Dates

This Privacy Notice is effective January 1, 2019.

©2019 CAA Financial LLC. All rights reserved.

CAA Financial LLC
3033 S Parker Rd Ste 750
Aurora, CO 80014
(855) 212-0324