PRIVACY POLICY

You are a valued customer and we strive to meet your privacy concerns. We want to make sure your personal information is protected and that you understand the policies that protect you. There are several legal terms in our privacy policy that we are required to use. We've tried to provide easy-to-understand explanations of the most frequently used legal terms. You'll find the same terms used in many companies’ privacy policies.

Assurant and Assurant Specialty Property companies and other insurers that operate under this Privacy Policy (“we”) provide insurance, service contracts and membership products. Our products are offered on behalf of other companies and through our agents. These other companies may be banks; finance companies; retailers; utilities; automobile dealers; manufactured housing and mortgage companies. Those companies that qualify as financial institutions must give our Privacy Policy to you each year. If you have asked not to be solicited, that request is still in effect. You do not need to contact us again. This is not a solicitation. You do not need to respond.

This Privacy Policy gives you examples of the types of data we collect, use, share or disclose; and the kinds of companies with whom we may share such data. These examples serve only as illustrations; they should not be considered all of the data we may collect, use or share. Also, we will comply with state privacy laws that may apply to data about you. Below is our privacy pledge to you:

OUR PRIVACY PRINCIPLES:

  • We do not sell your personal information.
  • We do not share customer medical information with anyone within the Assurant or Assurant Specialty Property family of companies unless you expressly authorize the sharing, or it is permitted or required by law.
  • We do not allow those with whom we do business to use our customer information for their own marketing purposes.
  • We contractually require any person or business providing products or services on our behalf to safeguard our customer information.

INFORMATION WE MAY COLLECT

Types of information we may collect and how we gather it:

  • From you (or provided to us on your behalf), on applications and other forms you submit to us; for example: your name; address; social security number; telephone number; employer; and income.
  • For your transactions with our companies or other nonaffiliated parties; for example: your name; address; telephone number; age; credit card use; insurance coverage; transaction history; claims history; and premiums.
  • From consumer reporting agencies, public records and data collection agencies; for example: your obligations with others and your creditworthiness.
  • From health care providers, such as doctors and hospitals; for example: your past or present health condition. Health data will be collected only if we need to find out if you are eligible for coverage, process claims, prevent fraud, as authorized by you or as the law may permit or require. NOTE: We collect health data only to manage a health-related product or service; for example: life or disability insurance, for which you applied.
  • From you when you enroll, request a service, or file a claim on one of our websites; for example: your name, address, contract number, credit card issuer and account number, personal identification number, e-mail address, service contract and claim information.
  • In some cases, from your visits to our Internet websites; for example: session number and user ID. By reviewing the legal notice, terms of use, site agreement or similar named link appearing on any of our websites that you visit you may learn of any "cookies" utilized by us and of any additional information that may be collected from you on that site.

INFORMATION WE MAY DISCLOSE OR SHARE AND WITH WHOM

We may share customer information with other entities as needed to deliver products and services to you, provide customer service, or handle your account.

DISCLOSURES PERMITTED BY LAW

We may share customer information as described above and as permitted by law.

DISCLOSURES FOR JOINT MARKETING AND SERVICING

We may share customer information with persons or organizations inside or outside our family of companies that perform marketing services for us or with whom we have joint marketing agreements.

INFORMATION REGARDING FORMER CUSTOMERS

We treat the information of prospective and former customers in the same manner as existing customers with respect to the use of personal information.

OUR SECURITY PROCEDURES

We restrict access to customer information to those employees whom we know have a valid business purpose to have access to such data. We maintain physical, electronic and procedural safeguards. We require those who provide services for us and to whom we provide your data to keep your information safeguarded and confidential.

CHANGES TO THIS PRIVACY POLICY

We reserve the right to change this Privacy Policy at any time. If we make material changes, we will provide current customers a new notice that describes our new practices and will post it on our Internet websites.

NOTICE OF INSURANCE INFORMATION PRACTICES

We may collect personal information from persons other than the individual or individuals proposed for coverage. Personal information as well as other personal or privileged information subsequently collected by us may in certain circumstances be disclosed to a third party without your authorization. You have the right to access and correct all personal information collected. A more complete Notice of Insurance Information Practices will be furnished to you upon request.

NEW MEXICO AND VERMONT RESIDENTS

As required by state law, we will not share your financial or health data without your permission except as allowed by applicable New Mexico or Vermont law.

The following companies underwrite or market services under the Assurant or Assurant Specialty Property service marks or adhere to this Privacy Policy. We value our relationship with you. Should you have any questions about our Privacy Policy, please write to us at The Assurant/Assurant Specialty Property Privacy Office, Post Office Box 979047, Miami, FL 33197-9047 or e-mail us your question at theprivacyoffice@assurant.com.

 

Affiliates   
    
 American Bankers General Agency, Inc.
American Bankers Insurance Company of Florida
American Bankers Life Assurance Company of Florida
American Bankers Management Company, Inc.
American Memorial Life Insurance Company
American Reliable Insurance Company
American Security Insurance Company
Assurant Service Protection, Inc.
Assurant Services of Puerto Rico, Inc.
Caribbean American Life Assurance Company
Caribbean American Property Insurance Company
Consumer Assist Network Association, Inc.
Federal Warranty Service Corporation
Insureco, Inc. 		 Insurec Agency & Insurance Services, Inc.
National Insurance Agency
Reliable Lloyds Insurance Company
Service Delivery Advantage, LLC
Standard Guaranty Insurance Company
Sureway, Inc.
Time Insurance Company
Tracksure Insurance Agency, Inc.
Union Security Insurance Company
Union Security Life Insurance Company of New York
United Service Protection, Inc.
United Service Protection Corporation
Voyager Indemnity Insurance Company
Voyager Service Warranties, Inc.
    
Non-Affiliates   
    
 IA American Life Insurance Company
Ranchers and Farmers Mutual Insurance Company
Republic Lloyds 		 Southern County Mutual Insurance Company
State and County Fire Mutual Insurance Company

CP13000A-R1211

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Online Privacy Policy

This notice is given to You pursuant to state law. It addresses personally identifiable information collected by Us about You when You visit or use this Site.

Assurant and its affiliated companies are committed to protecting the personal information entrusted to us by consumers who visit our website. The trust you place in us when you share personal information and/or the personal information of another person or entity is a responsibility we take very seriously and is the cornerstone of how we conduct our business.

We use the brand name "Assurant" to associate our products and services and to connect us with the brand of our parent company, Assurant, Inc. This Policy is intended to inform our consumers of our practices with regard to consumers' personal information collected through this website. As used in this online Privacy Policy, the term "you and your" are defined to include all website visitors including, but not limited to, customers, brokers, third party administrators, and/or representatives of any of the above.

I. CATEGORIES OF PERSONAL INFORMATION WE COLLECT

The term "personal information" includes any individually identifiable information about you that we collect online, such as your name, address, email address, telephone number, or social security number. We collect this information when you voluntarily disclose it to us in connection with a service offered on this website. Our website has security safeguards that are designed to protect any personal information that you decide to give us via this website. You may, however, choose not to provide this information and use an alternative form of communication such as telephone, fax, or regular mail. By using our website your consent to this online Privacy Policy is implied.

II. HOW WE USE AND DISCLOSE PERSONAL INFORMATION

If you choose to provide us with personal information, such as in an email to one of our online email boxes, by filling out a form with your personal information and submitting it to us through our website or by logging onto our website, we use that information to respond to your message and to help us provide you with the information you have requested. We also need information from you when you register for online access to your claims information. We use that information in order to process transactions that you request and to authenticate you as a registered user.

We do not sell or rent personal information about visitors to this site or consumers who use the site. We will use and disclose the information you give us only as required or permitted by law. This may include, for example, disclosures to third parties that perform business services on our behalf or in response to a request from a law enforcement agency or subpoena.

III. HOW WE COLLECT AND USE PERSONAL INFORMATION

Personally-identifiable information is information that allows us to identify you. We collect, analyze, monitor online activities, and store any personal information that you voluntarily provide by sending us an email to one of our online email boxes, by filling out a form with personal information and submitting through our website or by logging onto our website.

This information helps us assist you with technical issues encountered when using our website, improve our website and make your visits more appealing. You may choose not to provide personal information to us by not sending us an email using our online email boxes, by not filling out a form with personal information and by not logging onto our website. Refer to Section XII for other ways to contact us.

IV. HOW WE COLLECT AND USE NON-PERSONAL INFORMATION

Non-personal information is generic data that does not allow us to identify or contact a specific individual. We look at such data on an individual and collective basis, to help us detect trends that might help us to improve our website.

We may gather generic data automatically from your web browser, such as: the Internet protocol (IP) address used to connect your computer to the Internet; computer and connection information such as browser type and version, operating system, and platform; the Uniform Resource Locator (URL) click path to, through, and from our website; and the date and time you access our website.

V. EMAIL COMMUNICATION

To protect your privacy, please do not use email to communicate information to us that you consider confidential. Email is not a secure method of communication and is not encrypted. Accordingly, an email message potentially could be accessed and viewed by others without your knowledge and/or permission, while in transit to us.

VI. COOKIES

Persistent cookies may be used on this website. These are pieces of information or data sent to your browser from a web server and stored on your computer's hard drive for record-keeping purposes. We use this information to analyze traffic patterns and improve our website. If you prefer not to accept cookies, the help portion of the toolbar on most web browsers will tell you how to prevent your browser from accepting new cookies, how to have the browser notify you when you receive a new cookie, or how to disable cookies altogether. However, disabling cookies may result in certain parts of the website not operating correctly or prevent you from taking full advantage of some of the features of our website.

VII. "DO NOT TRACK" SIGNALS

We do not respond to a web browser’s “do not track” signal or other mechanisms that signal a request that our site not track the consumer’s online activities over time and across websites.

Other parties may collect personally identifiable information about consumer’s online activities over time and across different websites when a consumer uses our website or service.

VIII. PROCESS FOR REVIEWING OR REQUESTING CHANGES TO PERSONAL INFORMATION

If you think that any personal information we have collected about you is inaccurate, you may send a written request for review to us at the address provided in Section XII. We will investigate your request and make appropriate changes if warranted.

IX. CHANGES TO THIS POLICY

We may change this Policy from time to time without notice. The most current Policy will be posted on this website. You should therefore review this online Privacy Policy regularly.

X. LINKS TO OTHER WEBSITES

This website may contain links to other websites that may have online information practices different from ours. We are not responsible for the privacy and security practices of those websites, and we encourage our visitors to learn about the privacy and security practices of those websites.

XI. CHILDREN

We do not knowingly collect personal information from anyone under the age of 13. For more information about protecting your child's privacy online, visit the Federal Trade Commission.

XII. PRIVACY CONTACT INFORMATION

We welcome your questions or comments regarding this online Privacy Policy. Please write to The Assurant/Assurant Specialty Property Privacy Office, Post Office Box 979047, Miami, FL 33197-9047 or e-mail us your question at theprivacyoffice@assurant.com.

XIII. EFFECTIVE DATE

Effective Date: September 30, 2004/as amended January 1, 2014