Revised February, 28, 2013
As a part of our normal operations we collect, and in some cases, disclose information about you. We encourage you to read the following Privacy Statement that contains information about USA Underwriters policies regarding the collection, use, disclosure, and protection of your information. This Privacy Statement will tell you:
What information is collected from you through our Web site, including personally identifiable and financial information;
What cookies are and how they are used;
Who should use our Web site;
Who is collecting this information;
With whom this information is shared or disclosed;
What choices are available to you regarding collection, use and distribution of your information;
How you can update, delete or correct errors in the collected information; and What security precautions are in place to protect the loss, misuse, or theft of this information.
If you are not comfortable with any of the terms or policies described in this Statement, we ask that you discontinue use of our site and encourage you to send confidential correspondence through the postal service to: USA Underwriters, located at – 2701 Citrus Road, Suite C, Rancho Cordova CA 95742. Please be aware that we may periodically update or revise this Statement. Please check our Privacy Statement frequently for changes.
What information do we collect?
Personal, Financial and Product Information
We collect personally identifiable information in order to identify and register you as a USA Underwriters customer. In addition, we collect personal, financial and product information in order to provide you with services tailored to your particular needs. By learning a little about you, USA Underwriters can deliver more relevant content and product offerings and thus offer you better services.
The information we collect will vary depending upon the function or process you select. Depending upon the function or process you select (for example, quote, request for proposal, e-mail, purchase) you may be required to provide information such as:
- Birth date
- Phone number
- E-mail address
- Policy(ies) Type(s) & Number(s)
- Mother's maiden name
- Social Security Number
- Credit Card Information
- Driver's License Number, accident/violation history, information about vehicle operators, lien/lease holders, vehicle information, etc.
Logging and Cookies
During the period you are logged in our site, we log IP addresses (a number assigned to your computer when you use the Internet), browser and platform types, domain names, access times, referral data (the last site or URL you visited before logging into our site and the first site or URL you visit after leaving our site), and your activity while using or reviewing our site.
Who Should Use Our Web Site?
Our Web site is for insurance and financial products and services and is not intended for children. We offer insurance and financial products and services and thus do not market any products or services to children under the age of thirteen or knowingly collect any information from children under the age of thirteen. If we become aware that information is or has been submitted by or collected from a child under the age of thirteen, we will delete this information.
Who collects this information?
In order to better serve your particular needs, the information noted above is collected by USA Underwriters, its producer, and other companies working on behalf of USA Underwriters Services. In addition to collecting information from you, you should also know that, depending on the nature of your transaction, we may collect information from outside sources, such as loss information reports, motor vehicle reports, and credit reports.
How is this information used?
The information you submit to us via our on-line forms and e-mail is used to provide you with the response or service you have requested. It may also be used with the information we collect via logging and cookies to identify you as a particular user; to track and measure Web site usage and customer/user preferences, interests, demographics, and traffic patterns; and to determine audience size and repeated usage. This information may also 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 this information to contact you about our products and services. If you do not wish to receive these communications, you can write us, e-mail us through usaunderwriters.com or simply reply to any e-mails you receive from our site informing us of your desire to be removed from our mailing lists.
Who has access to this information?
In order to better serve your particular needs, USA Underwriters, its producers, and certain companies working on behalf of USA Underwriters, have access to this information. This information may also be disclosed to third parties without your consent if disclosure is necessary to comply with legal processes or to protect the rights, property, or personal safety of USA Underwriters, its users or the public. We may also provide limited information about you to third parties without your permission when necessary or appropriate to service an insurance policy we have issued (e.g., inquiries from lien holders or additional insureds listed on the policy) or to address claims submitted under a policy we have issued.
When we share personal information with companies working on behalf of USA Underwriters, we generally protect that personal information with a confidentiality agreement.
In addition, we may, as permitted by law, provide information about you without your permission to certain persons or organizations, such as: your broker; insurance support organizations; other insurance companies in order to perform their function in regard to an insurance transaction involving you; independent claim adjusters; businesses that conduct actuarial or research studies; regulatory and law enforcement authorities; or our affiliated companies. We may also disclose statistical information about the use of our Web site.
What are your options regarding collection, use, and distribution of your information?
Any information you submit to us via our on-line forms or e-mail is done so on a voluntary basis. When you access our site, the collection, use, and distribution of your information will be handled according to the terms and policies outlined in this Privacy Statement. If you object to the collection, use, and distribution policies outlined in this Privacy Statement, we ask that you do not submit information or access our site. We encourage you to send confidential correspondence via the postal service (USA Underwriters, 2701 Citrus Road, Suite C, Rancho Cordova, CA 95742).
What are your options regarding correction or storage of your information?
You may either personally see, or obtain from us by mail, the information about you in our files. If you believe the information we have about you in our records or files is incomplete or inaccurate, you may request via e-mail (or other form of communication) that we make any necessary additions or corrections or, to the extent that it is feasible, that we delete this information from our files. You may send such requests by writing to us at USA Underwriters, 2701 Citrus Road, Suite C, Rancho Cordova, CA 95742.
What security procedures do we use to guard against the loss, misuse, alteration, or theft of your information?
We use the Secure Socket Layer (SSL) protocol, a secure server and security protocol to safeguard the information you submit.
To help ensure the security of your personal and financial information that you submit to us (other than via an e-mail message), we use security software to encrypt the information before and during its transmission through the Internet. We only allow information to be submitted for transmission if your browser is compatible with our security software. If your browser is not compatible, you will receive a message indicating your transaction cannot be completed because of the security risk.
E-mail messages are not secure. Our security software does not encrypt e-mail messages. E-mail messages traveling through the Internet are subject to viewing, alteration, and copying by potentially anyone on the Internet.
We take seriously the issue of safeguarding your privacy online. However, please note that you should exercise discretion with respect to the submission of any personal or financial information. Please keep in mind that transmitting information via the Internet is never completely secure and thus any information submitted may be intercepted, collected, used or disclosed by others. We encourage customers to either send confidential correspondence through the postal service or use the telephone to speak directly to our employees. We are not responsible for the security of confidentiality of communications you send to us through the Internet using e-mail messages.
What can you do as a customer to help maintain security?
Utilize the latest version of Firefox, Safari and/or Microsoft Explorer. Our site is most secure when using one of these browsers.
- Keep your login name and password confidential. Utilize a password unique to you.
- Make sure others are not watching you enter your login name and/or password on your keyboard when using the protected areas of usaunderwriters.com.
- Do not leave your computer unattended while logged in protected areas of usaunderwriters.com. After you've finished accessing your information, exit the protected area within usaunderwriters.com. This ensures that no one can access your policy information if you leave your computer and your session has not been timed out.
If you have any questions or comments regarding this Privacy Statement, please submit them via e-mail or write to us at USA Underwriters.