Effective Date: September 1, 2021
- Information We Collect
- What We Do With Your Information
- Information We Share With Third Parties
- State Notices
- Children's Privacy
- Third-Party Content, Third-Party Services, and Social Features
- Internet Practices
- Choices: Tracking Options
- Data Security and Monitoring
- Access or Correct Your Information
- We may collect Personally Identifiable Information directly from you with your knowledge and consent.
- We use this Personally Identifiable Information to provide you with insurance quotes and to service your insurance policy.
- We do not sell your Personally Identifiable Information to third parties.
- We only share your information when we are permitted or required by law.
- We take reasonable measures to protect your Personally Identifiable Information with physical and electronic safeguards.
- We restrict access to and sharing of your Personally Identifiable Information within California Casualty Management Company to those persons who provide services and products to you. Those with access are required to keep your information confidential and must follow strict protocols.
II. Information We Collect
We may collect PII on our California Casualty websites from you if you ask to receive a policy quote, request a policy change, pay a bill, process a claim, or send us feedback. We may collect PII about you, other drivers in your household, your vehicles, and your home to provide a basis for underwriting, rating, servicing, adjusting claims, and collecting premium for California Casualty insurance.
Examples of types of information that we may collect online for both auto and property insurance include:
- Applicant name, address, home and work phone, fax, email address
- Social Security Number
- Information about your current insurance
- Types of coverages and limits desired
- Credit card number, bank account number, payroll number (depending upon the payment plan you select)
Examples of types of additional information that we may collect online for auto insurance include:
- Names of other drivers in household
- Driver information for applicant and household members, including:
- Gender, marital status, birth date
- Occupation, employer, year hired, trade association membership
- Driver's license number/state, licensing dates
- Accidents/claims/moving violations
- Existence of prior insurance coverage
Examples of types of additional information that we may collect online for property insurance include:
- Property information, including:
- Property address
- Fire district
- Distance to fire hydrant/fire station
III. What We Do With Your Information
- Allow you to participate in the features we offer on our websites;
- Facilitate, manage, personalize, and improve your online experience;
- Process your registration and/or manage your account;
- Transact with you, provide services or information you request, respond to your comments, questions and requests, serve you content and/or advertising, and send you notices;
- Improve California Casualty websites and for any other internal business purposes;
- Tailor our content, advertisements, and offers;
- Fulfill other purposes disclosed at the time you provide Personally Identifiable Information or otherwise where we are legally permitted or are required to do so; and
- Prevent and address fraud, breach of policies or terms, and threats or harm.
IV. Information We Share with Third Parties
We only share your personal information with others when we are permitted or required by law to do so. Depending upon the circumstances, we may disclose some or all of the information listed in the Information We Collect section above. We do not sell your Personally Identifiable Information.
We are permitted by law to make certain disclosures without your prior authorization, such as:
- Sharing your information with our related companies and with unrelated third parties for our everyday business purposes. This sharing of information helps us sell, underwrite and renew policies, prevent insurance fraud, collect premiums, verify group membership, and handle claims. For example, when you make an auto claim, we will share your name and other required information with the shop that repairs your car. Information we obtain from, or provide to, an insurance support organization may be retained by that organization and disclosed to others.
- California Casualty’s agents, vendors, consultants, and other service providers (collectively “Service Providers”) may receive, or be given access to, your information, including, without limitation, Personally Identifiable Information and Demographic Information, in connection with their work on our behalf.
- To comply with the law, law enforcement or other legal process, such as in response to a valid subpoena or other judicial order, and where permitted, in response to a government request. For example, from time to time we must share your information with various state Departments of Insurance and other government agencies.
V. State Notices
California residents can learn more about their privacy rights in our California Consumer Privacy Notice here.
Although we do not “sell” “covered information” of Nevada “consumers” as those terms are defined by Chapter 603A of the Nevada Revised Statutes, you may contact us here and register an e-mail contact address for us to provide you notice in the event we should do so in the future, at which point you will have an opportunity to be verified and exercise your opt-out rights under that law. Contact us in the same manner to update your contact email for notices. Changing your email elsewhere (e.g., informational requests, account information, etc.) will not update your Nevada notice contact information. It is your responsibility to keep your notice contact information current.
VI. Children's Privacy
Our websites, products, and services are all directed to people who are at least 13 years old or older. They are not directed to children less than 13 years of age. We do not intend to collect personal information as defined by the U.S. Children’s Online Privacy Protection Act (“COPPA”) (“Children’s Personal Information”) in a manner that is not permitted by COPPA. If we obtain knowledge that we have collected Children’s Personal Information in a manner not permitted by COPPA, we will remove such data to the extent required by COPPA.
VIII. Internet Practices
Advertising and Analytics
IX. Choices: Tracking Options
Tracking Technologies Generally
Regular cookies may generally be disabled or removed by tools available as part of most commercial browsers, and in some instances blocked in the future by selecting certain settings. Browsers offer different functionalities and options, so you may need to set them separately. However, rejecting cookies may prevent you from using certain functions and you may have to repeatedly enter information to take advantage of services or promotions. For easy access, here are links on how to manage cookies from some of the more popular browsers:
Your browser settings may allow you to automatically transmit a “Do Not Track” signal to online services you visit. Note, however, there is no consensus among industry participants as to what “Do Not Track” means in this context. Like many online services, California Casualty currently does not alter our practices when we receive a “Do Not Track” signal from a visitor’s browser.
To find out more about “Do Not Track,” you can visit http://www.allaboutdnt.com, but we are not responsible for the completeness or accuracy of this third party information. Some third parties, however, may offer you choices regarding their Tracking Technologies. One way to potentially identify cookies on our California Casualty websites is to add the free Ghostery plug-in to your browser (www.ghostery.com), which according to Ghostery will display for you traditional, browser-based cookies associated with the websites you visit and privacy and opt-out policies and options of the parties operating those cookies. We are not responsible for the completeness or accuracy of this tool or third-party choice notices or mechanisms.
Analytics and Advertising Tracking Technologies
You may choose whether to receive some Interest-based Advertising by submitting opt-outs. Some of the advertisers and Service Providers that perform advertising-related services for us and third parties may participate in the Digital Advertising Alliance’s (“DAA”) Self-Regulatory Program for Online Behavioral Advertising. To learn more about how you can exercise certain choices regarding Interest-based Advertising, visit http://www.aboutads.info/choices/. Some of these companies may also be members of the Network Advertising Initiative (“NAI”). To learn more about the NAI and your opt-out options for their members, see http://www.networkadvertising.org/choices/. Please be aware that, even if you are able to opt out of certain kinds of Interest-based Advertising, you may continue to receive other types of ads. Opting out only means that those selected members should no longer deliver certain Interest-based Advertising to you but does not mean you will no longer receive any targeted content and/or ads (e.g., from other ad networks). California Casualty supports the ad industry’s Self-regulatory Principles for Online Behavioral Advertising (PDF) and expects that ad networks we directly engage to serve you Interest-based Advertising will do so as well, though we cannot guaranty their compliance.
We also use Microsoft Advertising Services. To learn about the data Microsoft collects and how your data is used by it and to opt-out of certain Microsoft browser Interest-based Advertising, please visit Microsoft's privacy statement here.
We may also use Google Ad Services. To learn more about the data Google collects and how your data is used by it and to opt out of certain Google browser Interest-Based Advertising, please visit Google's ad settings here.
Also, if your browsers are configured to reject cookies when you visit these opt-out webpages, or you subsequently erase your cookies, use a different device or web browser or use a non-browser-based method of access (e.g., mobile app), your browser-based opt-out may not, or may no longer, be effective. We are not responsible for effectiveness of, or compliance with, any third-parties’ opt-out options or programs or the accuracy of their statements regarding their programs.
X. Data Security and Monitoring
We take reasonable measures to protect the PII we collect from you from unauthorized access, disclosure, alteration, and destruction. To maintain data security, and ensure the correct use of information, we put in place appropriate physical, electronic, and managerial procedures to safeguard and secure the information we collect online. Nevertheless, transmission via the Internet and online digital storage are not completely secure and we do not guarantee the security of your information collected through the California Casualty websites.
In order to help protect against spam and abuse on our website, we use Google reCAPTCHA on our contact forms. Google reCAPTCHA determines whether information entered on a contact form is entered by an actual person or an automated program. This service requires the IP address of the device being used to access the contact form (your computer or mobile device) and possibly other data needed by Google for the reCAPTCHA service. We do not have access to the data Google requires for this service.
California Casualty respects your privacy. You can opt out of receiving certain promotional communications (emails or text messaging) from us at any time by (i) for promotional e-mails, following the instructions provided in emails to click on the unsubscribe link, or if available by changing your communication preferences by logging onto your account; and (ii) for text messages, following the instructions provided in text messages from us to text the word, “STOP”. Please note that your opt out is limited to the e-mail address or phone number used and will not affect subsequent subscriptions. If you opt out of only certain communications, other subscription communications may continue. Even if you opt out of receiving promotional communications, we may, subject to applicable law, continue to send you non-promotional communications, such as those about your account, transactions, servicing, or our ongoing business relations. When you submit information in connection with this program, you agree that you provide accurate, complete, and true information. In addition, you agree not to use any false or misleading information. If we, in our sole discretion, believe that any information is untrue, inaccurate, or incomplete, we may refuse you access to our SMS texting program.
XII. Access or Correct Your Information
You can access your Personally Identifiable Information that we collect and maintain online by calling our privacy team at 1.800.542.9390. You can request that factual errors in your Personally Identifiable Information be corrected by sending us a request that shows the factual error. You may call our privacy team at 1.800.542.9390 with your request. To protect your privacy and security, we will take reasonable steps to verify your identity before granting access or making corrections.
© California Casualty Management Company 2021. All rights reserved.
VII. Third-Party Content, Third-Party Services, and Social Features
The California Casualty websites may include or link to third-party websites, apps, locations, platforms, code (e.g., plug-ins, application programming interfaces (“API”), and software development kits (“SDKs”)) or other services (“Third-Party Service(s)”). These Third-Party Services may use their own cookies, web beacons, and other Tracking Technologies (defined below) to independently collect information about you and may solicit Personally Identifiable Information from you.
Certain functionalities on the Service permit interactions that you initiate between the California Casualty websites and certain Third-Party Services, such as third party social networks (“Social Features”). Examples of Social Features include: enabling you to send content such as contacts and photos between the Service and a Third-Party Service; “liking” or “sharing” California Casualty’s content; logging in to the California Casualty websites using your Third-Party Service account (e.g., using Facebook Connect to sign-in to the Service); and to otherwise connect the Service to a Third-Party Service (e.g., to pull or push information to or from the Service). Also, both we and the third party may have access to certain information about you and your use of the California Casualty websites and any Third-Party Service.
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