CalCas Privacy Policy

This Privacy Policy applies to CalCas.com

This Privacy Notice applies to all information collected or submitted on our www.californiacasualty.com, www.calcas.com, www.aplus.com and www.MyAPlus.com websites ("our California Casualty websites"). We have established strict standards to maintain the privacy and security of information we collect over the Internet.

In addition to Internet privacy and security, California Casualty Management Company is also committed to general consumer privacy and security.

What types of personally identifiable information do we collect on our California Casualty websites?

"Personally identifiable information" means information, collected on our California Casualty sites, that is linked to an individual identifier, such as name or email address, and can be retrieved and associated with a specific individual during the ordinary course of business.

We may collect personally identifiable information 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 information 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.

Specific types of general 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)

Specific 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, relationship to applicant, 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 (including dates, policy number, carrier)

Specific types of additional information that we may collect online for property insurance include:

 

Property information, including:

Property address, county, fire district, distance to fire hydrant/fire station, within city limits?

Household members, including:

Are all household members non-smokers? Is applicant 55 or older and retired? What is the applicant's age?

How many non-relatives are living on the property?

Whenever we collect sensitive personally identifiable information on our California Casualty websites, we use secure socket layer "SSL" encryption.

What is our policy about sharing personally identifiable information collected on our California Casualty websites with third parties?

We do not share, without your permission, personally identifiable information collected on our California Casualty websites about you and other members of your household with outside parties who might use the information to market their products or services to you.

As a necessary part of our business of providing auto and home insurance, we do share such information with selected agents, contractors and trusted partners, including our trade association partners, who provide services that support core functions our company performs in the course of operating our auto and home insurance business, including sales, marketing, group membership verification, underwriting, claims and premium collection.

We will also share information necessary to comply with an order issued by a court or governmental agency of competent jurisdiction.

We require our agents and contractors to hold the personally identifiable information we share with them in the strictest confidence, and to agree in writing not to disclose any personally identifiable information except to carry out the purposes for which we disclosed the information to them.

Exceptions are as follows:

We submit individual claim information to insurance database services that maintain automobile and property claims data. These database services make this historical claims data available to participating insurers for underwriting purposes and fraud detection.

Where we are unable to collect earned premium due us, we will authorize, on a customer by customer basis, our collection agency vendor to submit personally identifiable information including name, address, policy number and past due premium amount to one or more of the following credit reporting agencies: Equifax, Experian, TransUnion.

During the course of adjusting and paying claims, a function integral to our business, we do not require our field personnel to execute or maintain formal written contracts or confidentiality agreements with certain classes of vendors, including body shops, building contractors, independent medical examiners, attorneys, independent adjusters/appraisers, specialty vendors (glass shops, replacement services, tow services, car rental companies, restoration services, appraisers), private investigators and PPO providers.

During the course of underwriting insurance policies, a function integral to our business, we do not require our field personnel to execute or maintain contracts or confidentiality agreements with state motor vehicle departments.

Only by choosing not to do business with us can this necessary information sharing be avoided.

What is our policy about using personally identifiable information collected on our California Casualty websites to market our own auto and home insurance products?

With respect to direct mail, telephone, and email marketing, if you do not want information collected on our California Casualty websites to be used by us to market our own auto and home insurance products to you, then you can instruct us to remove you from our marketing lists:

  • If you receive a direct mail piece from California Casualty, you can request to be removed from our direct mail list by contacting California Casualty Management Company's Marketing Services Department at 650.574.4000 x4453.
  • If you are contacted by phone by a California Casualty representative, you can request that the representative remove you from our telephone marketing list.
  • If you are contacted by email, you can request to be removed from our email marketing list by clicking the Unsubscribe link at the bottom of the email message.

California Online Privacy Protection Act Compliance
Because we value your privacy we have taken the necessary precautions to be in compliance with the California Online Privacy Protection Act. We therefore will not distribute your personal information to outside parties without your consent.

Children’s Online Privacy Protection Act Compliance
We are in compliance with the requirements of COPPA (Children’s Online Privacy Protection Act), we do not collect any information from anyone under 13 years of age. Our website, products and services are all directed to people who are at least 13 years old or older.

Google Analytics Data
Millions of websites, including CalCas.com use Google Analytics. Google Analytics collects information about your visit to our site including; 

  • How you arrived at our website. 
  • How long you stay. 
  • What pages you visit. 
  • What kind of computer, browser, and operating system you are using. 
  • What page you exit our site. 
  • And much more.

What is our policy about using cookies on our website?

We may use cookies and other technology to help us track visits to our website. Many commercial Internet sites use cookies; a cookie enables the site to label you as a particular user, but it does not identify you by name or address unless you have provided us with such information (over the Internet or otherwise) or set up preferences in your browser to do so automatically.

You may opt out of accepting cookies by changing the settings on your browser. 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.

Cookies allow us to provide you with a more customized service and are used to track and measure Web site usage. This information may be used to manage and customize our Web site's content, layout, and services in order to improve our site, enhance customer service, and provide tailored messages.

We may also use third-party advertising companies to present ads on sites on which we advertise. Third-party advertising technology uses information derived from your visits to this Web site and the sites on which we advertise to present ads to you and uses cookies to track activity. We may also use Web beacons, provided by third-party advertising companies, on both our Web site and on other sites, to help manage and optimize our online advertising.  Web beacons enable us to recognize a browser's cookie when a browser visits this site, to learn which banner ads bring users to our Web site, and enable us to deliver more relevant ads to users.

This Online Privacy Statement does not cover the collection methods or use of the information collected by these third-party companies. These vendors have their own privacy policies and may be members of the Network Advertising Initiative ("NAI").  To remove yourself from some or all NAI member advertising programs, please visit the NAI Opt-Out Page and follow the relevant instructions.  Please note that if you delete, block, or otherwise restrict cookies, or if you use a different computer or Internet browser, you may need to renew your opt-out choice.

Although we believe that each of the sites to which we may target our ads or from which we may collect data should post a privacy statement that fully describes the advertising and data collection activities on its site, we cannot guarantee that all of those sites post such a statement.

If you would like to opt out of ad serving cookies or read additional information about these cookies, go to www.optout-choices.com.

What type of security do we maintain?

To prevent unauthorized access, 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.

How can you access or correct your information?

You can access your personally identifiable information that we collect and maintain online by contacting us via email at contact@calcas.com. You can request that factual errors in your personal information be corrected by sending us a request that shows the factual error. You may email your correction request to the email address above; you may call a customer care specialist with your request; or you may mail us your request. You can find the telephone number and address of our office serving your state on the Contact Us page of our website. To protect your privacy and security, we will take reasonable steps to verify your identity before granting access or making corrections.

Should you have other questions or concerns about our privacy policy, please call our privacy manager at 650.572.4342 or send us an email at the email address listed above.

Effective:July 31, 2002, updated: April 8, 2009, November 10, 2011 and January 3, 2013

© California Casualty Management Company. All rights reserved.

Definitions:

Agent:An agent is any person or organization (other than an employee) that performs services for CCMC under an express or implied agreement and is subject to CCMC's control or right to control in the manner and means of providing the service.

Contractor:A contractor is any person or entity who, as part of an independent business, becomes obligated to provide goods and/or services to CCMC.

Outside Party:An outside party is any party that is not an agent or contractor.