Privacy Policy

Last updated on September 22, 2023

Introduction

The policies below describe SafeChoice Insurance Company (“SafeChoice,” “us,” “our”, or “we”) agreement with you (“you”) when you visit our public-facing websites hosted under the domains https://safechoiceins.com/ (the “Website”). By using the Website, you signify your agreement to these policies. If you do not agree to these policies, you may not use the Website.

We respect your privacy and created this Privacy Policy to let you know what personal information we collect when you access and/or use our Website and how we may use or disclose it.

This Privacy Policy applies to visitors, users, customers, consumers, and others (collectively, “consumers” or “you”). This policy describes the types of information we may collect from you or that you may provide when you visit the Website and our practices for collecting, using, maintaining, protecting, and disclosing that information.

Categories of Personal Information We Collect

We collect the following categories of information from or about our consumers, each of which are “personal information” as used herein:

Identifiers and personal information categories (e.g., name, date of birth, mailing address, phone number, email address, internet protocol address, Social Security number, insurance policy number, driver’s license number, bank account number and other payment information, financial history, marital status)
Protected classification characteristics (e.g., age and marital status)
Commercial information (e.g., records of personal property, payment history, claims history, other payment or financial information, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies)
Internet or other electronic network activity information regarding your interaction with our website (e.g., browsing history, cookies, search history, information on a consumer’s interaction with a website, application, or advertisement)
Sensitive Personal Information: We collect the following information, which may be categorized in your state as “sensitive” personal information: social security number, driver’s license number, bank account number(s), and marital status.

Sources of Information

We obtain the categories of personal information listed above from the following categories of sources:

Directly from you. For example, we collect the information that you provide (or that someone else provides on your behalf) when you fill out online applications, or other forms, and when you submit questions or comments online or by email or by text messages.
Directly and indirectly from your activity on our website. For example, we collect information from your submissions through our website portal and website usage details collected automatically through cookies and other similar tracking technologies.
From consumer reporting agencies, public records and data collection agencies. For example, we collect information regarding your obligations with others, your creditworthiness, loss history, and claims data from these sources.
From transactions with SafeChoice or other nonaffiliated parties. For example, we collect information, such as your name, address, availability of funds, insurance coverage, transaction history, claims history and premiums, from these sources.

We collect personal information in the following ways:

Automatic Collection: If you download material or browse through the Website, our servers automatically collect certain information about you which may include: (a) the name of the domain and host from which you access the Internet; (b) the browser software you use and your operating system; (c) the Internet address of the website from which you linked to the Website; (d) the Internet address of the device you used to access the Website and the location from which such access occurred; and (e) the time(s) when you accessed the Website.
Voluntary Collection: You may voluntarily enter or otherwise provide information to us on the Website, such as through a contact request form or email. You may also voluntarily provide information to us when you use certain features of the Website, such as applying for a job with us.

The technologies we use for automatic data collection may include:

Cookies (or browser cookies). We may use cookies to help personalize your experience or to market products and services to you. A cookie is a small file placed on the hard drive of your computer. You may refuse to accept browser cookies by activating the appropriate setting on your browser. However, if you select this setting you may be unable to access certain parts of our Website. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you direct your browser to our Website.
Web Beacons. Pages of our Website may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit us, for example, to count users who have visited those pages and for other related website statistics (for example, recording the popularity of certain website content and verifying system and server integrity).

Purposes and Use of Collected Personal Information

We may use or disclose personal information, including certain sensitive personal information, we collect for one or more of our following business purposes:

To present our Website and its contents to you.
To fulfill or meet the reason for which the information is provided.
To provide you with information, products or services that you request from us.
To maintain or service your accounts and to provide customer service.
To provide you with email alerts, text message alerts, event registrations and other notices concerning our products or services, or events or news, that may be of interest to you.
To carry out our obligations and enforce our rights arising from any contracts entered into between you and us.
Improve, market or promote our products and services to you.
Where relevant, to consider your application for employment.
Compile, synthesize, generate and analyze anonymous usage and other aggregated information.
To improve user experience by making our Website easier to use and navigate.
To a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, receivership, liquidation, or similar proceeding, in which personal information held by us about our Website users is among the assets transferred.
As necessary or appropriate to protect the rights, property or safety of us, our clients or others.
To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations.
To enforce our Terms of Use.
As described to you when collecting your personal information.

We may use the personal information we have collected from you to enable us to display advertisements to our advertisers’ target audiences. Even though we do not disclose your personal information for these purposes without your consent, if you click on or otherwise interact with an advertisement, the advertiser may assume that you meet its target criteria.

We will not collect additional categories of personal information from you or use the personal information we collected for materially different, unrelated, or incompatible purposes without providing you notice and obtaining your consent in advance.

Sharing Personal Information

We may disclose the following categories of your personal information to third parties for our business purposes, as described above:

Identifiers and personal information categories (e.g., name, date of birth, mailing address, phone number, email address, Internet Protocol address, Social Security number, insurance policy number, bank account number and other payment information, financial history, marital status)
Protected classification characteristics (e.g., age, marital status)
Commercial information (e.g., records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies)
Internet or other electronic network activity information (e.g., browsing history, search history, information on a consumer’s interaction with a website, application, or advertisement)
We may also disclose without restriction aggregated information about our users, and information that does not identify any individual.

We may, as allowed by law, disclose to the following categories of third parties your personal information for our business purposes, as described above:

Third parties that use your personal information to process payments, validate your credit and loss history, and provide other similar services on our behalf.
Other insurance institutions, financial institutions, reinsurers, insurance producers, or consumer reporting agencies as needed in connection with any insurance application, policy or claim involving you.
Third parties that conduct research, including actuarial or underwriting studies.
Adjusters, appraisers, auditors, investigators and attorneys.
Third parties that may explore certain transactions with SafeChoice, such as certain investments, loan transactions, and mergers and acquisitions of portions or all of our business.
Third parties who perform business, professional or insurance functions for SafeChoice including service providers, agents or independent contractors.
To our subsidiaries and affiliated companies.
We may disclose your personal information to law enforcement, government agencies, and other related third parties, in order to comply with any court order, the law, or legal process, to enforce our policies, or to protect our or others’ rights, property, or safety.

We do not sell any personal information of current or former consumers.

Third-Party Cookies and Links

Some content or applications, including advertisements, on the Website are served by third-parties, including advertisers, ad networks and servers, content providers, and application providers. These third parties may use cookies alone or in conjunction with web beacons or other tracking technologies to collect information about you when you use our website. The information they collect may be associated with your personal information or they may collect information, including personal information, about your online activities over time and across different websites and other online services. They may use this information to provide you with interest-based (behavioral) advertising or other targeted content. We do not control these third parties’ tracking technologies or how they may be used. If you have any questions about an advertisement or other targeted content, you should contact the responsible provider directly.

Our website contains links to other sites. SafeChoice is not responsible for the privacy practices or content of such other sites. If you have any questions about how these other sites use your information, you should review their policies and contact them directly.

How SafeChoice Responds to Do-Not-Track Signals

Certain state law requires commercial website owners and operators to disclose how their website responds to web browser “do not track” signals. If you have enabled your browser for that purpose, at this time, we do not honor “do not track” requests or change our services or information practices in any way as a result of receiving “do not track” requests from your browser.

Collection and Use of Information From Children

NOTICE TO CHILDREN UNDER THE AGE OF 13 AND THEIR PARENTS OR LEGAL GUARDIANS: SAFECHOICE DOES NOT KNOWINGLY COLLECT PERSONAL INFORMATION FROM CHILDREN UNDER THE AGE OF 13 AND CHILDREN UNDER THE AGE OF 13 ARE SPECIFICALLY PROHIBITED FROM SUBMITTING ANY PERSONAL INFORMATION ON THE WEBSITES. IF YOU ARE UNDER THE AGE OF 13, DO NOT SEND SAFECHOICE ANY PERSONAL INFORMATION INCLUDING WITHOUT LIMITATION YOUR EMAIL ADDRESS, NAME AND/OR CONTACT INFORMATION. IF WE LEARN WE HAVE COLLECTED OR RECEIVED PERSONAL INFORMATION FROM A CHILD UNDER 13 WITHOUT VERIFICATION OF PARENTAL CONSENT, WE WILL DELETE THAT INFORMATION. IF YOU BELIEVE WE MIGHT HAVE ANY INFORMATION FROM OR ABOUT A CHILD UNDER 13, PLEASE CONTACT US AT https://safechoiceins.com/contact-us/.

Your Rights

You have the following rights with respect to your personal information:

Right to Know: You have the right to request that we disclose certain information to you about our collection, use, and disclosure of your personal information over the past twelve (12) months. Once we receive and confirm your request, we will disclose the following to you:

The categories of personal information we collected about you.
The categories of sources for the personal information we collected about you.
Our business or commercial purpose for collecting that personal information.
The categories of third parties with whom we share that personal information and the categories of personal information shared with those third parties.
The specific pieces of personal information we collected about you.

Right to Opt-Out: You have the right to opt-out of our sharing of your personal information with third parties, subject to certain exceptions necessary for SafeChoice to provide you our products and services, as set forth above under Sharing Your Personal Information.
Right to Correction: You have the right to request correction of any inaccurate personal information.
Right to Request Deletion: You have the right to request that we delete your personal information that we have collected about you. We may deny your deletion request if retaining the information is necessary for us to: complete the transaction for which we collected the personal information; provide a good or service that you requested; take actions reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform our contract with you; detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities; debug products to identify and repair errors that impair existing intended functionality; exercise free speech, ensure the right of another consumer to exercise their free speech rights, or exercise another right provided for by law; engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when the information’s deletion may likely render impossible or seriously impair the research’s achievement, if you previously provided informed consent; enable solely internal uses that are reasonably aligned with consumer expectations based on your relationship with us; comply with a legal obligation; or make other internal and lawful uses of that information that are compatible with the context in which you provided it. We will delete or deidentify personal information not subject to one of these exceptions from our records and will direct our service providers to take similar action.
Right to Non-Discrimination: We will not discriminate against you because you exercise your rights. For example, we will not deny you goods or services or charge you a different price or rate for goods or services if you make an access or deletion request.

Exercising Your Rights

To exercise the rights described above, please submit your request to us by either:

Calling us at 1-800-481-0661; or
Emailing us at policyrecordsrequest@sagesure.com

Only you, or a person legally authorized to act on your behalf, may submit a request related to your personal information. You may also submit a request on behalf of your minor child. You may only make a request for information twice within a 12-month period. We will not charge a fee to respond to your request. Any such inquiry will be responded to within thirty (30) days. We must verify your identity with respect to such inquiries. Depending on the nature of the Personal Information at issue, we may require additional measures or information from you as part of that verification.

You may be asked to provide your name, insured property address, and date of birth when making the request.

Security

SafeChoice maintains reasonable administrative, technical and physical security measures to protect the security of your personal information. We have implemented measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration, and disclosure. All information you provide to us is stored on our secure servers behind firewalls. Unfortunately, the transmission of information via the internet is not completely secure. Although we do our best to protect your personal information, we cannot guarantee the security of your personal information transmitted over the Internet. Any transmission of personal information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on the Website. No security system is impenetrable, and Company cannot guarantee the security of this website, nor that the information you supply will not be intercepted while being transmitted over the Internet. By using the services or providing personal information to us, you agree that we can communicate with you electronically regarding security, privacy, and administrative issues relating to your use of the services, including providing you any notice or notification related to same as required under state law.

ACH Transaction, Credit, and Debit Card Safety

If you pay an invoice or bill, or make a purchase, on the Website, you will be routed to our bank services link for your ACH, Credit or Debit Card Transaction. Your checking account, credit or debit card number is encrypted when transmitted. Encryption is used with every submission of financial information you sent. Other personal information may also be encrypted when authorizing a payment.

Data Retention

We will retain your personal information for the time period necessary to fulfill the purposes described in this Privacy Policy. Under our record retention policy, we destroy personal information after our need for it ends, which is defined in that policy according to specific retention periods. However, we may have a further need to hold personal information beyond our record retention policy periods due to regulatory requirements or in response to a regulatory audit, investigation, or other legal matter.

For More Information

If you have any questions regarding this Privacy Policy, please visit us at https://safechoiceins.com/contact-us/.

General Terms Applicable to Privacy Policy and Terms of Use

Links from the Website

If the Website contains links to other sites and resources provided by third parties, these links are provided for your convenience only. This includes links contained in advertisements, including banner advertisements and sponsored links. We have no control over the contents of those sites or resources, and accept no responsibility for them or for any loss or damage that may arise from your use of them. If you decide to access any of the third-party websites linked to this Website, you do so entirely at your own risk and subject to the terms and conditions of use and privacy policies for such websites.

Governing Law and Jurisdiction

All matters relating to the Website, this Privacy Policy, and these Terms of Use, and any dispute or claim arising therefrom or related thereto (in each case, including non-contractual disputes or claims), shall be governed by and construed in accordance with the internal laws of the State of New York without giving effect to any choice or conflict of law provision or rule (whether of the State of New York or any other jurisdiction).

Binding Arbitration and Class Action Waiver

THIS SECTION CONTAINS PROVISIONS FOR BINDING ARBITRATION AND WAIVER OF CLASS ACTION. YOUR ACCEPTANCE OF THE TERMS OF USE INCLUDES YOUR ACCEPTANCE OF AND AGREEMENT TO THIS SECTION. WHEN ARBITRATION IS INVOKED FOR CLAIMS SUBJECT TO ARBITRATION, SEE BELOW, YOU AND WE WILL NOT HAVE THE RIGHT TO PURSUE THAT CLAIM IN COURT OR HAVE A JURY DECIDE THE CLAIM, AND YOU WILL NOT HAVE THE RIGHT TO BRING OR PARTICIPATE IN ANY CLASS ACTION, PRIVATE ATTORNEY GENERAL ACTION, OTHER REPRESENTATIVE ACTION AS A CLASS REPRESENTATIVE OR CLASS MEMBER, OR SIMILAR PROCEEDING IN COURT OR IN ARBITRATION. BY ACCEPTING THE AGREEMENT, YOU AGREE THAT ANY DISPUTE BETWEEN YOU AND WE WILL BE RESOLVED EXCLUSIVELY BY BIDING ARBITRATION. Any dispute, controversy or claim arising out of, relating to or in connection with these Terms of Use, our Privacy Policy, or use of the Website, including without limitation disputes arising from or concerning their interpretation, violation, invalidity, non-performance, or termination, shall be finally resolved by arbitration under the Rules of Arbitration of the American Arbitration Association applying Arkansas state law. The Arbitration shall take place in New York, New York. The tribunal shall have the power to rule on any challenge to its own jurisdiction or to the validity or enforceability of any portion of the agreement to arbitrate. The parties agree to arbitrate solely on an individual basis, and that this agreement to arbitrate does not permit class arbitration or any claims brought as a plaintiff or class member in any class or representative arbitration proceeding. The arbitral tribunal may not consolidate more than one person’s claims, and may not otherwise preside over any form of a representative or class proceeding. Notwithstanding the tribunal’s power to rule on its own jurisdiction and the validity or enforceability of the agreement to arbitrate, the tribunal has no power to rule on the validity or enforceability of the agreement to arbitrate solely on an individual basis. The filing of a judicial action to enable the recording of a notice of pending action, for order of attachment, receivership, injunction, or other provisional remedies, shall not constitute a waiver of the right to arbitrate under this provision. Notwithstanding the foregoing, Company and you may participate in a class-wide settlement.

In the event the prohibition on class arbitration is deemed invalid or unenforceable, then the remaining portions of the Binding Arbitration and Class Action Waiver section and these Terms of Use will remain in force, including but not limited to Governing Law and Jurisdiction.

Limitation on Time to File Claims

ANY CAUSE OF ACTION OR CLAIM YOU MAY HAVE ARISING OUT OF OR RELATING TO THESE TERMS OF USE OR THE WEBSITE MUST BE COMMENCED WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCRUES; OTHERWISE, SUCH CAUSE OF ACTION OR CLAIM IS PERMANENTLY BARRED.

Waiver and Severability

No waiver by the Company of any term or condition set out in the Privacy Policy or these Terms of Use shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure of the Company to assert a right or provision under the Privacy Policy or these Terms of Use shall not constitute a waiver of such right or provision.

If any provision of the Privacy Policy or these Terms of Use is held by a court or other tribunal of competent jurisdiction to be invalid, illegal, or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of the Privacy Policy and these Terms of Use will continue in full force and effect.

Entire Agreement

The Terms of Use and our Privacy Policy constitute the sole and entire agreement between you and us regarding the Website and supersede all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral, regarding the Website. If you purchase an insurance product from us, an additional privacy policy will apply to that customer relationship.

Changes to Our Privacy Policy and Terms of Use

It is our policy to post any changes we make to our Privacy Policy and Terms of Use on this page. If we make material changes to how we treat our users’ personal information, we will notify you by email to the primary email address specified in your account. The date the Privacy Policy was last revised is identified at the top of the page. You are responsible for ensuring we have an up-to-date active and deliverable email address for you, and for periodically visiting our Website and this Privacy Policy and our Terms of Use to check for any changes.

How to Contact Us

If you have questions about these policies, you can contact us via https://safechoiceins.com/contact-us/.