Privacy Policy

What information do we collect and how do we use it?

We may collect the categories of personal information listed in the chart below.

Consumers

The following disclosure applies to consumers who do not have an employment, agency, or contractor relationship with us. We may collect the following categories of personal information for the purposes identified below. Please note that the examples are not an exhaustive list and may fall into multiple categories. Categories and specific pieces of information collected may vary depending on the nature of your relationship with us.

Category Examples

Personal Identifiers Name, alias, address, social security number, date of birth, passport number, unique personal identifier, on-line identifier, IP address, e-mail address, account name, government issued identification number, phone number, signature

Personal Characteristics

Gender, demographic, medical and health, convictions, marital status, offspring, driving record, family member/other status, and other descriptions of your physical characteristics

Commercial Information

Personal property, insurance policy number, medical information, or health insurance information, purchased products or services, considered products or services, purchasing or consuming histories or tendencies

Biometric Information

Voice print, photo

Internet or network activity

Information regarding your interactions with websites, applications, and advertisements, browser type, electronic communications, IP address, cookies

Geolocation

IP address, physical address, telephone number, state, municipality, location, devices, applications on mobile and computer devices

Audio, electronic, visual, thermal, factory

Audio, electronic, photo, visual information, such as a call or video recording, voicemail messages

Professional information and Employment information

Job titles, work history, school(s) attended, employment status, veteran, or military status

Education Information

Job titles, work history, school attended, marital and family status, e-mail, telephone recordings

Inferences Preferences, behaviors, characteristics, trends, predispositions, attitudes, abilities, and aptitudes

Sensitive Personal Information

Social Security number, driver’s license number, state ID card, account log-in, precise geo-location, bank account number, credit or debit card number, or any other financial information, trade union membership, your communications with us.

Purposes for collection of personal information—Consumer

We collect and use your personal information to offer, provide, and maintain insurance products and related services to you. We may use your personal information for one or more of the following purposes:

  • To offer, provide, maintain and improve insurance products and related services, including claims-related services to you;

  • To authenticate and verify your identity, to maintain your preferences, and to communicate with you; 

  • For safety and security purposes, including: prevention, detection and investigation of data security incidents or protection against malicious, deceptive, fraudulent or illegal activity; debugging and ensuring the integrity of our systems; 

  • To provide appropriate or relevant products and services, conduct analytics, research, and development on our products and services; 

  • Provide marketing communications to you; 

  • To provide quality assurance; 

  • To provide a location-based product or service requested by you; 

  • To apply relevant discounts; 

  • To create profiles based on personal information collected and reflecting individual preferences; 

  • To comply with applicable laws and regulations or other governmental or judicial orders.

How long do you retain my information?

We retain your personal information for as long as reasonably necessary to fulfill the purposes for which it was collected and to comply with applicable legal or regulatory requirements and in accordance with our internal procedures.

Sources of personal information

With respect to consumers, customers and prospects, current and former employees and job applicants, and agents and district managers, we obtain the categories of personal information listed above from the following categories of sources:

  • Directly from you - We collect personal information when you provide it to us in a request for a quote, claim, or policy on any of our website(s) or mobile applications, or through interactions with an agent or our call center.

  • Indirectly from you - We may collect personal information, including, but not limited to, geolocation and driving data (when using mobile applications), IP address, cookies, and device ID when you visit our website(s), interact with our online advertisements, or use or mobile application(s). 

  • Provided by third-party service providers - We may collect personal information from third-party service providers including consumer reporting agencies, marketing companies and data providers.

  • Obtained from government entities - We may obtain personal information from public records maintained by various government entities. 

Sharing your information

We take your privacy seriously. We are committed to protecting your personal information and ensuring that it is handled with the utmost care. Rest assured, we do not sell, trade, or share your personal information with third parties for their marketing or business purposes. We do not sell or share any SMS consent or personal information to third parties or affiliates for SMS / Marketing Purposes.Yo ur data is used solely to enhance your experience with our services and to communicate with you directly. Any information you provide to us is kept confidential and secure, in accordance with industry standards and privacy laws. If you have any questions about our privacy practices, we’re here to help.We will not discriminate against you for exercising any of your CCPA rights. If you have additional questions related to our privacy policies and practices, please contact us at 801-944-9600.

Children and Minors

We make no active effort to collect personal information from children under the age of 13, and do not wish to receive any such information. If we learn that we have collected the personal information of a child under the age of 13, we will take steps to delete the information as soon as possible.

Changes to our Privacy Notice

We reserve the right to amend this privacy notice at our discretion at any time. We will update this privacy policy no less frequently than annually. When we make changes to this privacy notice, we will post the updated notice on our websites and in our mobile applications and update the notice’s effective date. Your continued use of our website(s) and mobile applications following the posting of changes constitutes your acceptance of such changes.