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.
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.
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.
We obtain this information you. How? Well, through:
It includes the following information:
This information comes from consumer reporting agencies. It includes:
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.
It contains information about your transactions with us, our affiliates and others. It includes:
This information is unique to the internet transactions. It may include:
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 WITHOUT YOUR CONSENT. 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.
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 720-328-8496. Your choice will apply to all people listed on your policy.
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:
We also maintain physical, electronic and procedural safeguards to protect your information.
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.
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 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.
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.
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 without your consent.
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.
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.
This Privacy Notice is effective January 1, 2019.
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