Online Privacy Policy

Effective Date: September 1, 2021

Print this Online Privacy Policy

1. Summary
2. Information We Collect
3. What We Do With Your Information
4. Information We Share With Third Parties
5. State Notices
   1. California Residents
   2. Nevada Residents
6. Children's Privacy
7. Third-Party Content, Third-Party Services, and Social Features
8. Internet Practices
   1. Tracking Technologies
   2. Advertising and Analytics
9. Choices: Tracking Options
   1. Tracking Technologies Generally
   2. Analytics and Advertising Tracking Technologies
10. Data Security and Monitoring
11. Communications
12. Access or Correct Your Information

I. Summary

This Online Privacy Policy applies to information collected or submitted online through our California Casualty website 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.

California residents have certain privacy rights detailed in our California Consumer Privacy Notice here. To the extent that there is a conflict between this Online Privacy Policy and the California Consumer Privacy Notice, the California Consumer Privacy Notice will control.

For more information on our practices governed by privacy laws regulating financial institutions, including state insurance regulations, see our Notice of Insurance Practices here. To the extent that there is a conflict between this Online Privacy Policy and the Notice of Insurance Practices, the Notice of Insurance Practices will control. In addition to internet privacy and security, California Casualty Management Company and the California Casualty Group insurance companies (“California Casualty” “we”, or “us” or “our”) are also committed to general consumer privacy and security. Please read the entire privacy policy for complete details.

• We may collect Personally Identifiable Information directly from you with your knowledge and consent.
• We use this Personally Identifiable Information to provide you with insurance quotes and to service your insurance policy.
• We do not sell your Personally Identifiable Information to third parties.
• We only share your information when we are permitted or required by law.
• We take reasonable measures to protect your Personally Identifiable Information with physical and electronic safeguards.
• We restrict access to and sharing of your Personally Identifiable 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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II. Information We Collect

"Personally Identifiable Information" or “PII” means information collected on our California Casualty websites that identifies you personally, such as your first and last name, email address, phone number, address, and full payment account number and can be retrieved and associated with you specifically during the ordinary course of business. We may also collect demographic information, such as your gender, age, zip code, interests, and fire district (“Demographic Information”). Except to the extent required by applicable law, Demographic Information is “non-Personally Identifiable Information” or “non-PII” (i.e., data that is not Personally Identifiable Information under this Online Privacy Policy). In addition, Personally Identifiable Information, once “De-identified” (i.e., the removal or modification of the personally identifiable elements, or the extraction of non-personally identifiable elements including through anonymization, pseudonymization, and/or hashing) is also non-Personally Identifiable Information and may be used and shared without obligation to you, except as prohibited by applicable law. However, we do not make assurances that De-identified data is not capable of re-identification. The definition of "personal information" under certain California laws differs from the definition of PII used in this Online Privacy Policy. California residents can learn more about Californians privacy rights in California Consumer Privacy Notice here.

We may collect PII 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 PII 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.

Examples of types of 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)

Examples of 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, 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

Examples of 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

With respect to this information we collect, to the extent any non-PII is combined by us with PII, we will treat the combined data as PII under this Online Privacy Policy.

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III. What We Do With Your Information

We may use your Personally Identifiable Information, for any purposes not inconsistent with our statements under this Online Privacy Policy, or otherwise made by us in writing at the point of collection, including, without limitation, the following:

• Allow you to participate in the features we offer on our websites;
• Facilitate, manage, personalize, and improve your online experience;
• Process your registration and/or manage your account;
• Transact with you, provide services or information you request, respond to your comments, questions and requests, serve you content and/or advertising, and send you notices;
• Improve California Casualty websites and for any other internal business purposes;
• Tailor our content, advertisements, and offers;
• Fulfill other purposes disclosed at the time you provide Personally Identifiable Information or otherwise where we are legally permitted or are required to do so; and
• Prevent and address fraud, breach of policies or terms, and threats or harm.

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IV. Information We Share with Third Parties

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 in the Information We Collect section above. We do not sell your Personally Identifiable Information.

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.

We may also share any information about you for any purposes not inconsistent with this Online Privacy Policy, or our written statements at the point of collection, and otherwise not prohibited by applicable law, including, without limitation:

• California Casualty’s agents, vendors, consultants, and other service providers (collectively “Service Providers”) may receive, or be given access to, your information, including, without limitation, Personally Identifiable Information and Demographic Information, in connection with their work on our behalf.
• To comply with the law, law enforcement or other legal process, such as in response to a valid subpoena or other judicial order, and where permitted, in response to a government request. For example, from time to time we must share your information with various state Departments of Insurance and other government agencies.
• If California Casualty believes your actions are inconsistent with California Casualty’s terms of use, user agreements, applicable terms or policies, or to protect the rights, property, life, health, security, and safety of California Casualty, the websites or its users, or any third party.

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V. State Notices

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VI. Children's Privacy

Our websites, products, and services are all directed to people who are at least 13 years old or older. They are not directed to children less than 13 years of age. We do not intend to collect personal information as defined by the U.S. Children’s Online Privacy Protection Act (“COPPA”) (“Children’s Personal Information”) in a manner that is not permitted by COPPA. If we obtain knowledge that we have collected Children’s Personal Information in a manner not permitted by COPPA, we will remove such data to the extent required by COPPA.

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VII. Third-Party Content, Third-Party Services, and Social Features

The California Casualty websites may include or link to third-party websites, apps, locations, platforms, code (e.g., plug-ins, application programming interfaces (“API”), and software development kits (“SDKs”)) or other services (“Third-Party Service(s)”). These Third-Party Services may use their own cookies, web beacons, and other Tracking Technologies (defined below) to independently collect information about you and may solicit Personally Identifiable Information from you.

Certain functionalities on the Service permit interactions that you initiate between the California Casualty websites and certain Third-Party Services, such as third party social networks (“Social Features”). Examples of Social Features include: enabling you to send content such as contacts and photos between the Service and a Third-Party Service; “liking” or “sharing” California Casualty’s content; logging in to the California Casualty websites using your Third-Party Service account (e.g., using Facebook Connect to sign-in to the Service); and to otherwise connect the Service to a Third-Party Service (e.g., to pull or push information to or from the Service). Also, both we and the third party may have access to certain information about you and your use of the California Casualty websites and any Third-Party Service.

We are not responsible for, and make no representations regarding, the policies or business practices of any third parties, including, without limitation and encourage you to familiarize yourself with and consult their privacy policies and terms of use.

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VIII. Internet Practices

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IX. Choices: Tracking Options

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X. Data Security and Monitoring

We take reasonable measures to protect the PII we collect from you from unauthorized access, disclosure, alteration, and destruction. To 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. Nevertheless, transmission via the Internet and online digital storage are not completely secure and we do not guarantee the security of your information collected through the California Casualty websites.

To help protect you and others, we may (but make no commitment to) monitor use of the websites, and may collect and use related PII for all purposes not prohibited by applicable law or inconsistent with this Online Privacy Policy, including, without limitation, to identify fraudulent activities and transactions; prevent abuse of, and investigate and/or seek prosecution for, any potential threats to or misuse of the Service; ensure compliance with the Terms of Use and this Online Privacy Policy; investigate violations of or enforce these documents; improve the website and your website experiences, and to protect the rights and property of California Casualty, third parties, and other users. Monitoring may result in the collection, recording, and analysis of online activity or communications through our websites. If you do not consent to these conditions, you must discontinue your use of the websites.

In order to help protect against 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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XI. Communications

California Casualty respects your privacy. You can opt out of receiving certain promotional communications (emails or text messaging) from us at any time by (i) for promotional e-mails, following the instructions provided in emails to click on the unsubscribe link, or if available by changing your communication preferences by logging onto your account; and (ii) for text messages, following the instructions provided in text messages from us to text the word, “STOP”. Please note that your opt out is limited to the e-mail address or phone number used and will not affect subsequent subscriptions. If you opt out of only certain communications, other subscription communications may continue. Even if you opt out of receiving promotional communications, we may, subject to applicable law, continue to send you non-promotional communications, such as those about your account, transactions, servicing, or our ongoing business relations. When you submit information 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.

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XII. Access or Correct Your Information

You can access your Personally Identifiable Information that we collect and maintain online by calling our privacy team at 1.800.542.9390. You can request that factual errors in your Personally Identifiable Information be corrected by sending us a request that shows the factual error. You may call our privacy team at 1.800.542.9390 with your request. 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 team at 1.800.542.9390.

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//End Privacy Policy//

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