Online Privacy Policy

We must operate with complete honesty, both moral and financial.
–California Casualty Code

Operating with complete honesty isn’t just part of our code; it’s how we conduct ourselves daily. Your privacy and protecting your personal information is extremely important to us. We believe you have a right to understand how we protect, collect, use, and share your personal information. You trust us to act responsibly and with integrity. We work diligently to keep your trust.

Summary

This Online Privacy Policy applies to all information collected or submitted online through our California Casualty web and social properties ("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 and the California Casualty Group insurance companies (“California Casualty”) are also committed to general consumer privacy and security. Please read the entire privacy policy for complete details.

  • We may collect personal information directly from you with your knowledge and consent.
  • We use this information to provide you with insurance quotes and to service your insurance policy.
  • We do not collect personally identifying information when you visit our California Casualty websites unless you knowingly provide the information. Nor do we allow third parties to collect personally identifiable information about you.
  • We do not sell your personal information to third parties.
  • We only share your information when we are permitted or required by law.
  • All third parties we partner with to provide you with services are required to protect your personal information and may only use your information when performing those services.
  • You can access and correct your personally identifiable information that we collect and maintain by contacting us.
  • We protect your information with physical and electronic safeguards.
  • We restrict access to and sharing of your personal 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.

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Information We Collect

"Personally identifiable information" means information, collected on our California Casualty websites, 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
    • Is the property 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.

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What We Do With Your Information

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 above. To better serve you, we reserve the right to share all of the information about you that we collect, but only as described in this Online Privacy Policy.

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.

From time to time we must share your information with various state Departments of Insurance and other government agencies. We will also share your information in response to a valid subpoena or other judicial order. We do not sell your information.

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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 except as permitted by the Act.

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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.

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Internet Practices

Cookie Policy

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 website usage. This information may be used to manage and customize our website's content, layout, and services in order to improve our site, enhance customer service, and provide tailored messages.

We use the following third-party cookies on our website, which do not collect personal information:

  • Google Analytics cookies: Collects information and reports website usage statistics without personally identifying individual visitors
  • Google Advertising cookies: Displays ads based on what’s relevant to a user, reports on ad performance, avoids showing ads the user has already seen, and collects information regarding clicks on ads
  • Microsoft Advertising cookies: Stores the preferences and settings of users, provides targeted ads, and combats fraud
  • Trustpilot cookies: Collects statistics and data about the performance of the TrustBoxes, and to report on the aggregate response rate and other aggregate measures of the performance of the Trustpilot service
  • Eloqua cookies and email activity tracking: The cookies track visits to our California Casualty websites, and the email activity tracking reports on the number of emails opened by recipients
  • Unbounce cookies: Monitors traffic to webpages we own that are not part of CalCas.com

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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

For additional information regarding how Google Analytics collects and processes data, please visit How Google Uses Information From Sites or Apps That Use Our Services.

The information gathered about your visit is not associated with any personal information and cannot be used to identify you. The information is reported in aggregate and does not allow any attempts to disaggregate the information.

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Advertising Services

We use third-party advertising companies to deliver ads in search results and on certain websites and mobile apps. Third-party advertising technology uses information derived from your visits to this website and the websites on which we advertise to present ads to you and uses cookies to track activity (Interest-based Advertising). We may also use web beacons, provided by third-party advertising companies, on both our website and on other websites, to help manage and optimize our online advertising. Web beacons enable us to recognize a browser's cookie when a browser visits our California Casualty websites, to learn which banner ads bring users to our websites, and enable us to deliver more relevant ads to users.

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

Google Advertising Services
We use the following Google Analytics Advertising Features:

  • Remarketing with Google Analytics: Lets us deliver relevant ads based on the actions users took on our site
  • Demographics and Interests reporting: Helps us understand our website audience by age and gender
  • Google Display Network (GDN) Impression Reporting: Allows us to measure the impact of unclicked GDN ad impressions on site behavior and conversions
  • Personalized Advertising: Improves experiences for users by displaying relevant ads based on user data
  • Google Signals: Allows us to see aggregate data from all visitors to our California Casualty websites who are signed in to their Google Accounts and shows a percentage of users who visited our websites on a desktop or mobile device

Microsoft Advertising Services
We use Microsoft Advertising Services. Microsoft collects personal data from our California Casualty websites to display ads. To learn about the data Microsoft collects and how your data is used, please visit Microsoft Privacy Statements.

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Opt Out Options

Google Analytics
If you don't want your browsing information used by Google Analytics, you can opt-out by installing the Google Analytics opt-out browser add-on. This add-on works in several browsers.

Google Ad Services
You can control the information shared by your devices when you interact with websites that use Google Ad services. Google gathers information about you such as your interests, your age, your gender, and your location. Google uses this information to display relevant ads on websites and apps that are part of the Google Display Network.

If you are signed in to your Google Account, you can review the information that Google has collected, edit the information, and turn off ad personalization by visiting the Google Ad Settings page in your account.

Google also uses your activity to personalize ads. You can view your activity in the My Activity section of your Google Account.

For instructions on how to change your ad preferences in your Google account, visit the Google Ads Help page. You can edit your information and interests, and turn off or on ads personalization.

If you are not signed in to a Google Account, your ad settings are saved to your browser or device. These settings will be deleted if you clear the cookies in your browser.

Microsoft Advertising Services
If you are signed in to your Microsoft Account, you can opt-out of interest-based advertising from Microsoft by visiting Microsoft’s opt-out page.

You can access and clear some of your data by visiting the Microsoft privacy dashboard in your account.

You can contact Microsoft about the personal data Microsoft processes that is not available via the previously listed tools by contacting Microsoft or by using Microsoft's online form.

Other Third-party Advertising Companies
This Online Privacy Policy does not cover the collection methods or use of the information collected by the third-party advertising companies we use. 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.

To control the collection and use of information regarding your visits to different websites gathered by advertising companies to provide Interest-based Advertising, visit the Digital Advertising Alliance’s (DAA’s) WebChoices online tool.

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Maintained Security

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.

Google reCAPTCHA Service
In order to prevent 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.

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SMS Text Messages

California Casualty respects your privacy. If you choose to opt-in to any of our SMS Text programs, we will only use the information you provide to transmit text messages to you or as otherwise described in the program terms and conditions.

We reserve the right at all times to disclose any information as necessary to satisfy any law, regulation, or governmental request, to avoid liability, or to protect our rights or property.

When you submit data 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.

Upon signing up for the service, you may be requested to provide us with personal information such as full name, email address, mobile number, and an image of your driver's license sent via MMS (Multimedia Messaging Service). The information provided will strictly be used as a part of the California Casualty SMS Texting Program participation.

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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 on our Contact Us page. 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 contact@calcas.com.

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Effective: July 31, 2002, updated: January 1, 2020

© 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.