We do not sell your personal information to anyone for any reason. We do not share it, except for the reasons described below, which are permitted by federal and state law.
Confidentiality and security
We use physical and technical safeguards to protect your information. We restrict access to your information to those who need it to perform their jobs. Our Carriers are bound by law to use the information only for our purposes. They may not disclose it or use it in any other way. We comply with all data security laws.
Collecting your personal information
We collect personal information about you from different sources. For example, we collect information you send us on applications and forms. We may collect information from a consumer-reporting agency or a medical provider. This collection depends on the product or service you request.
Disclosing your personal information
We may disclose your information as required or permitted by law. We may disclose your information for a legal or regulatory purpose. These include the following types of information.
We may disclose information we receive from you on applications or other forms. This may include your name, address, beneficiaries, Social Security number and family member information. This may also include assets, income, and the property address and value.
We may disclose information from your transactions with our Carriers, or us. This may include your account balance, policy coverage, and payment history. This may also include premium paid, preferences, claims, and purchase method.
We may disclose information we receive from a consumer-reporting agency or other report. This may include your credit report, motor vehicle and driver data. This may also include medical and employment data, loss history reports, and other driver data. This disclosure depends on the products you select.
We may disclose information to companies that perform marketing services on our behalf. As permitted by law, we may disclose some information to other financial institutions with which we have joint marketing agreements.
Using your medical information
We sometimes must collect medical information to provide you a product or to pay a claim. We do not use or share it for any purpose, except the following:
- Underwriting insurance
- Administering your policy, account, or claim
- As required or permitted by law
- As otherwise authorized by you
We keep the e-mail you send to us. If you agree to receive e-mail messages from us, we will keep the information you give us to send e-mail of specific interest to you. If you choose to send us e-mail, we keep your e-mail, your e-mail address, and our reply. Please be careful about the information you give us in e-mail. As with any public Web site, this communication may not be secure.