NOTICE OF PRIVACY POLICY

This Privacy Notice applies to Credit One Insurance Agency, LLC (“COI” or “we”), as required by the Gramm-Leach-Bliley Act and state insurance laws. This Notice describes how we collect, share, and protect personal information for our applicants and current and former customers. Personal Information is information such as your name, mailing address, email address, telephone number, Social Security number, or other information that identifies you.

Please read this Notice carefully to understand what we do.

What type of Personal Information do we collect?

We collect personal information about you from the following sources:

Information we receive from you to obtain insurance quotes, on applications or other forms, either provided directly by you or through an agent, and may include your name, email address, residential address, telephone number, Social Security number, date of birth, gender, marital status, employment status, property and vehicle ownership information, driver’s license number, and information about other drivers, family information such as number of children and number of pets, income, and general details about your current insurance coverage; this information also may be obtained from directories and other sources;
Information about your transactions with us, our affiliates or others, and may include insurance coverages, limits and rates, claims history and other information required for billing and payment purposes; and
Information we receive from a consumer reporting agency, and may include credit report information, driving record and claims history.

How do we use your Personal Information?

We use the personal information we collect to do things such as:

create and market products and services;
to prevent and detect fraud;
to offer you other insurance and financial services products;
to satisfy legal or regulatory requirements;
for other business purposes; and
as otherwise required or allowed by law.

How do we share your Personal Information?

We will share information about you only as permitted by law and may in certain circumstances disclose personal information about you to third parties without your authorization. We may disclose the following categories of personal information about you:

Information we receive from you on applications or other forms or that we receive from you for insurance quotes, such as your name, address, telephone number, Social Security number, date of birth, gender, marital status, driver’s license number, and information about other drivers;
Information about your transactions with us, our affiliates or others, and may include insurance coverages, limits and rates, claims history and other information required for billing and payment purposes; and
Information we receive from a consumer reporting agency, and may include credit report information, driving record and claims history.

We may disclose the above-listed categories of personal information to our affiliates and to our service providers.

We may also disclose personal information about you to the following types of third parties if such disclosure is permitted under state law:

Financial service providers, such as insurance companies and insurance agents;
Non-financial companies, such as retail lenders and direct marketing companies; and
Others, such as non-profit organizations.

We may also share your personal information to comply with legal process, to address suspected fraud or other illegal activities, to protect our rights, privacy, safety or property, and/or that of you or others, or as otherwise permitted by law.

Use of your Personal Information for marketing?

We will not disclose personal information about you to affiliates or nonaffiliated third parties for marketing.

How do we protect your Personal Information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal and state law. These measures include physical, electronic and procedural safeguards. We also restrict access to information about you to those employees who need to know that information in order to provide products or services to you.

How can you review and correct Personal Information that we have about you?

If you have questions about what personal information we maintain about you, please send a written request to Credit One Insurance Agency, LLC, 67 Hunt Street, Suite 203A, Agawam, MA 01001, and include your full name, address, telephone number and policy number (if applicable). Within 30 business days of receipt of your written request, we will describe the personal information we maintain, any parties with whom we have shared it within the last 2 years, and how you may request a correction, if necessary. You may receive a copy of it for a fee to cover our costs. We will not provide information that we feel is privileged, such as information about insurance claims or lawsuits.

To request a correction of information about you, send a written request as described above, explaining the desired correction. Within 30 business days, we will either make the requested correction or tell you why we will not. We cannot correct Consumer Report Information. To do this, you must contact the consumer reporting agencies that provided it. If we make the requested correction, we will notify you in writing and we will also notify anyone (i) who may have given or furnished the original information; (ii) who you designate who may have received the original information within the two years before the date we made the correction; and (iii) any insurance-support organization whose primary source of personal information is insurance institution if that organization has systemically received such information from us within the preceding seven years and continues to maintain information about you. If we do not agree, you may submit a written statement as to why you disagree, which will be saved in your file. We will send it to the same persons to whom we would send a copy of any correction or change.

Other Important Information

Arizona, Georgia, Maine, Massachusetts, Minnesota, Montana, New Jersey, North Carolina, Ohio, Oregon, Virginia Residents: This is notice that the information obtained from a report prepared by an insurance support organization may be retained by the insurance support organization and disclosed to other persons.

Massachusetts Residents: Right to Correct, Amend, or Delete

In addition to the rights identified above in the section entitled "How can you review and correct Personal Information that we have about you?", if we refuse to correct, amend, or delete disputed personal information, you may file an appeal with the Massachusetts Commissioner of Insurance.

Minnesota Residents: Right to Correct, Amend, or Delete

Montana Residents: Right to Correct, Amend, or Delete

In addition to the rights identified above in the section entitled “How can you review and correct Personal Information that we have about you?”, if we refuse to correct, amend, or delete disputed personal information, the Montana Commissioner of Insurance may review the disputed personal information to determine if the information is correct.

Montana Residents: Right to Receive Disclosures of Medical Records

Pursuant to Montana Code Ann. §33-19-202(4)(c), if you are a resident of the State of Montana, you have the right to receive, upon written request addressed to a licensee, a record of any disclosures of medical record information made by a licensee. Under Montana Code Ann §33-19-301, such records of disclosures must include the identity of any persons receiving medical record information during the preceding 2 years, the date of receipt of such information, and a description of the information.

Nevada Residents: We are providing you this notice pursuant to Nevada law. To be placed on our Do Not Call List, call 1-888-444-0762. For more information, visit www.CreditOneInsurance.com or mail your request to Credit One Insurance Agency, LLC, 67 Hunt Street, Suite 203A, Agawam, MA 01001. You may also contact the Bureau of Consumer Protection by phone at 702-486-3132, by email at aginfo@ag.nv.gov, or by mail at Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101.

Vermont Residents: Opt-in Consent

We will not disclose information about your creditworthiness to our affiliates and will not disclose your personal information, financial information, credit report, or health information to nonaffiliated third parties to market to you, other than as permitted by Vermont law, unless you authorize us to make those disclosures. We will not disclose nonpublic personal financial information about you to nonaffiliated third parties (other than as permitted by law) unless you authorize us to make that disclosure. Your authorization must be in writing or, if you agree, in electronic form.

When necessary, we review and revise our privacy policies to protect personal information.

Last updated: 12/2023

Online Privacy Statement

This Online Privacy Statement ("Privacy Statement") describes COI's online privacy practices and applies to websites and additional services (collectively, the “Services”) that we offer which link to this Privacy Statement.

Information you provided COI when you applied for or obtained a product or service from us is also governed by a separate "Privacy Policy" notice at the top of this document. If you are such an applicant or customer, please refer to that notice for additional information about our privacy practices.

By using the Services, you agree that your personal information will be collected, used, and shared in accordance with the terms and conditions of this Privacy Statement. Your use of the Services is subject to this Privacy Statement and our Terms of Use, which are incorporated by reference into this Privacy Statement.

Information We Collect – and How We Collect It

Our Services are not intended to be used by children. We do not intentionally collect personal information from children under 13 without permission from their parent or legal guardians. If you become aware that a child has provided us with personal information without parental consent, please call us at 888-444-0762. For more information about the Children's Online Privacy Protection Act (COPPA), please refer to the FTC's website at https://www.ftc.gov/business-guidance/privacy-security/childrens-privacy.

When you use our Services, we may collect Personal Information that you submit to us voluntarily, or Online Activity Data that we collect.

Personal Information is information such as your name, mailing address, email address, telephone number, Social Security number, or other information that identifies you. This information may be collected when you voluntarily provide it to us through forms on our website. These forms could include insurance quote requests, insurance applications, and surveys.

Online Activity Data includes information such as your IP address, browser type, and display/screen settings; how you interact with our website; mobile device and advertising IDs; social media preferences and other social media data. This data may be collected using cookies and other online tracking devices such as web beacons, depending on your browser settings. Cookies are small pieces of data sent from a website and stored on your computer by your web browser that can allow other websites that you visit to track your browsing activities. A web beacon is a small string of HTML code that represents a graphic image on a website or email. COI may also associate with third parties to deliver advertisements and monitor activities on our own website and other websites. These business partners may use their own cookies, web beacons, and/or other monitoring technologies to compile statistics about website visitors. Additionally, COI may collect Online Activity Data when you use your mobile device browser to access our website, such as geolocation data (if you have enabled location services on your device).

How We Use Information

We may use Personal Information and Online Activity Data we have collected for a variety of reasons, including:

to enable you to apply for insurance products through COI
to enable you to use online tools or perform certain online transactions
to service and manage your insurance policy, including responding to or updating you on inquiries, or to contact you about your policy or feedback
to offer you special products and services and deliver advertisements to you in the form of banner ads, interstitial pages (ads that appear as you sign in or sign out of your online accounts), or other promotions
to analyze whether our ads, promotions, and offers are effective
to help us determine whether you might be interested in new products or services, and to improve existing products and services or develop new products and services
to verify your identity and/or location to allow access to your policy information, and conduct online transactions
to manage fraud and data security risk
to personalize and optimize your website browsing experiences by examining which parts of our website you visit or find most useful
to comply with federal, state or local laws; civil, criminal or regulatory investigations; or other legal requirements
to enforce our terms and conditions, protect our operations or those of any of our affiliates, protect our rights, privacy, safety or property and/or that of our affiliates, you or others, or to allow us to pursue available remedies or limit the damages we may sustain
to share with trusted third parties who are contractually obligated to keep such information confidential and to use such information only to provide the specific services we have asked them to perform.

How We Share Information

We may share your information with our affiliates, business partners, and third parties, including:

Affiliates. Our related businesses allow us to improve and streamline Services across our platform.
Business partners. We may offer co-branded services, joint promotions, or other products or services.
Third-party service providers. Our service providers enable us to offer, maintain, and optimize the Services. They are also contractually obligated to keep such information confidential, and may be subject to various state privacy and data security requirements.
Financial service providers, such as insurance companies and insurance agents. Information may be shared to obtain quotes for you and to submit and process insurance applications.
Government agencies and other third parties. Information may be shared to comply with the legal demands of subpoenas or court orders, to verify customer identities, to address fraud or security issues, to protect the rights or property of customers or third parties, in connection with a corporate transaction, or otherwise as required by law.
Mergers and Acquisitions: We reserve the right to disclose and transfer your personal information: (i) to a subsequent owner, co-owner or operator of the Services or applicable database; or (ii) in connection with a corporate merger, acquisition, consolidation, restructuring, bankruptcy, the sale of substantially all of our membership interests and/or assets, or other corporate change, including during the course of any due diligence process.

Managing Your Online Preferences

You are not required to provide Personal Information to browse our websites. If you provide us with Personal Information to obtain a product or service from us, our Privacy Policy above governs how we share Personal Information with our affiliates and third parties.

As you access our online services, cookies and similar technologies allow us to customize content and advertisements for our products and services on our websites. In order to make content and advertising as relevant as possible, we may use information about your relationship with us (such as types of accounts and transactional information). Using cookies can give you additional or easier access to certain features on our website (such as allowing you to sign in easier), and can allow us to provide you with more personalized offers. You can set your browser to not accept cookies or to indicate when cookies are sent.

Some mobile devices come with a non-permanent advertising identifier or ID which gives companies the ability to serve targeted ads to a specific mobile device. In many cases, you can turn off mobile device ad tracking or you can reset the advertising identifier at any time within your mobile device privacy settings. You may also choose to turn off location tracking on your mobile device. By turning off ad tracking or location tracking on your mobile device, you may still see the same number of ads as before, but they may be less relevant because they will not be based on your interests. User mobile data will not be shared.

Currently, our website does not respond to browser "do not track" signals.

Advertising on Third-Party Websites

Behavioral advertising is when companies provide you ads that are intended to be tailored to your specific interests based upon your website browsing history and online activity. Certain COI business partners may collect Online Activity Data and provide you with behavioral advertising for COI products and services on third-party websites. Our business partners are subject to their own privacy policies. To explore options for opting out of behavioral advertising, visit http://optout.aboutads.info/ or click on the AdChoices icon in an ad and follow the instructions. You may also use the Network Advertising Initiative's (NAI) Opt-Out Tool or other tools provided by the publishing platform. Opting out relies on information in the unique cookies placed on your web browser by our business partners, so if you delete cookies, use a different device, or change web browsers, you may need to opt out of behavioral advertising again.

Additionally, we may work with websites like Google and Yahoo to display ads to you based on search terms you use on those websites. Please review the privacy policies of those websites for instructions on how to limit these ads.

Please note that you may still receive general online advertising from COI even after you adjust your ad preferences with certain web search engines or opt out of behavioral advertising through AdChoices or the NAI tool. Such advertising, however, will not be based on Online Activity Data or search term information. Our marketing emails include instructions on how to opt out of receiving such emails in the future.

Updating Your Information

Keeping your policy information up-to-date is important. Should a change occur in your personal information, policyholders may contact us to request an update or change to your policy by calling 888-444-0762, by going to the Contact Us section on our website, or by writing to us using the contact information listed on your policy.

Links

Our websites may include links to third-party websites. These third parties are not subject to this Privacy Statement or to the Privacy Policy. Please review their privacy notices when visiting these websites.

Information Security

At COI, we are committed to protecting your personal and financial information. If we collect identifying information from you, we will protect that information with security measures based on internationally recognized security standards, regulations, and industry-based best practices.

Changes to this Privacy Statement

COI may change its online privacy practices in the future and we may revise this Privacy Statement. If we make material changes to our privacy statement, we will provide you notice of such changes. If you use our Services after we revise the Privacy Statement, you agree to the updated terms and conditions of this Privacy Statement.

This Privacy Statement was last revised December 12, 2023 and is effective as of that date.

Glossary

AdChoices: Allows individuals to opt out of browser-enabled interest-based advertising by some or all participating companies, using opt-out cookies to store your preferences in your browser.

Browser: An application used for accessing websites or information on a computer network. Examples include Chrome, Safari, Edge, Internet Explorer, and Firefox.

Business partners: Companies we work with to jointly market and/or deliver products and services to you. Business partners include affinity or co-brand business partners. They may not use this information to independently market to you unless you consent.

Cookies: Small pieces of data sent from a website and stored on your computer by your web browser that can allow other websites that you visit, and the advertising companies and content partners for those websites, to track your browsing activities.

IP address: A unique "Internet Protocol" number assigned to a device connected to the Internet. COI treats IP addresses as non-personal information unless otherwise required by law.

Privacy Policy: A COI product-specific privacy notice, which we provide to customers at account opening and annually thereafter pursuant to federal law. It describes our privacy practices and provides you the right to opt out of certain types of information sharing.

Service providers: Vendors with whom we have a contractual relationship to perform services on our behalf. Vendors may not use personal information for any purpose other than carrying out those services.

Third-party websites: Sites that are not owned or operated by COI and are not subject to our Privacy Statement.

Web beacon (alternatively referred to as a tracking bug, tag, page tag, tracking pixel, pixel tag, or clear gif): An often-transparent graphic image, usually no larger than 1 pixel x 1 pixel, that is placed on a website or in an email that is used to monitor the behavior of the user visiting the website or interacting with the email. Web beacons can be used for activities like site traffic reporting, unique visitor counts, advertising auditing and reporting, and personalization.