Privacy Policy
Privacy
At Insurance House, we believe in making the insurance experience better. Insurance House values you as a customer, and we are committed to protecting your privacy. We are providing this Privacy Notice to inform you of our policies and practices regarding the collection, use, protection, and sharing of your nonpublic personal information (“NPI”), in compliance with applicable federal and state laws and regulations, including the Gramm-Leach-Bliley Act (GLBA) and applicable state insurance privacy laws.
We do not sell our customers’ nonpublic personal information.
We contractually require, in accordance with applicable law, any person or organization providing services on our behalf to protect our customers’ nonpublic personal information.
We afford our former customers the same privacy protections as existing customers with respect to the use or disclosure of their nonpublic personal information.
Types of Information We May Collect.
We collect, use, and share NPI we need to conduct our business, advise you of our products and services, and provide you with customer service. The types of NPI we may collect include:
• Information you provide on applications or other forms, or through telephone or in-person interviews, such as your name, address, telephone number, Social Security number, annual income, net worth, and household information;
• Information from your transactions or experiences with us, such as payment history, underwriting information, and claim information;
• Information about your transactions with nonaffiliated third parties, such as an appraiser or automobile repair shop; and
• Information from consumer reporting agencies, such as your driving record, claim history, or credit information.
Our Website and Digital Technologies.
We may collect NPI through our websites and digital platforms using cookies, web beacons, analytics tools, and similar tracking technologies. Cookies are files placed in your browser to store preferences and enhance your experience. If you disable cookies, certain features of our websites may not function properly. We may use these technologies to remember your preferences, analyze website traffic and usage patterns, and offer you insurance or financial products that may suit your needs. We do not use third-party advertising networks that track your browsing activity across unaffiliated websites for purposes of serving targeted advertisements without your consent.
How We Use the Information We Collect.
We use the NPI we collect about you, including consumer report information, to underwrite and/or rate your insurance policies and products, process your claims, ensure proper billing, service your accounts, comply with legal and regulatory obligations, and offer you other insurance and financial products that may suit your needs.
How We Disclose the Information We Collect.
We may share NPI with our affiliates or nonaffiliated third parties as required or permitted by law, including:
• Affiliates and nonaffiliated third parties as necessary to effect, administer, enforce, service, or process insurance transactions or any other transactions between you and us;
• Third parties engaged to perform actuarial, legal, audit, or other consulting services in furtherance of insurance or other transactions between you and us;
• Companies that perform marketing or other services for us or with whom we have joint marketing agreements; and
• Consumer reporting agencies and other entities as needed to handle your claim and to protect against fraud and unauthorized transactions.
For example, we might share your name, address, and insurance coverage information with an auto body shop handling an auto damage claim.
How We Share Consumer Report Information — Your Opt-Out Right.
Unless you direct us otherwise, we may share with our affiliates NPI that was obtained from a consumer report, such as your credit history or driving record. You have the right to opt out of this sharing. If you prefer that we not share consumer report information about you with our affiliates, please contact us using one of the methods below:
• Write to: Insurance House, Attention: Privacy Officer, P.O. Box 28155, Atlanta, Georgia 30358
• Call us at: 800-282-7024
How We Protect Your Information.
We maintain physical, technological, and procedural safeguards designed to protect your NPI in accordance with applicable federal and state laws and regulations, including applicable state insurance data security laws. We limit access to your NPI to employees or entities who need the information to perform their job responsibilities or services in connection with your insurance transactions. In the event of a data breach affecting your NPI, we will notify you as required by applicable law.
How You Can Review and Correct Information We Have About You.
Upon your written request, we will provide you with access to the personal information stored in our files and an opportunity to request that we correct, amend, or delete any information you believe is incorrect. We will correct, amend, or delete such information if, upon investigation, we can substantiate that it is in error. If we do not make the requested correction, you will have the opportunity to file a written statement of the dispute with us, which we will include in any further disclosure of that information.
How We Keep You Up to Date With Our Privacy Notice.
We will provide you with a notice of our privacy policies and practices at least once a year as long as you are our customer, unless we qualify for an exception under applicable law. You may request additional copies of this Privacy Notice by contacting us:
• Write to: Insurance House, Attention: Privacy Officer, P.O. Box 28155, Atlanta, Georgia 30358
• Call us at: 800-282-7024
Affiliated Companies Covered by This Notice.
This Privacy Notice is provided on behalf of the following affiliated companies of Insurance House:
• Insurance House Holdings, Inc.
• Southern General Insurance Company
• The Insurance House, Inc.
