Your Privacy Matters to Grange Insurance Association
Our Privacy Assurance
• We collect only Information necessary or relevant to our business.
• We make a reasonable effort to ensure that Information we act upon is accurate, relevant, timely, and complete.
• We use only legitimate means to collect Information.
• We make Information available externally only to respond to legitimate business needs, to regulatory or other government authorities, or as otherwise permitted by law.
• We limit employees' access to those who need to handle Information and who are trained in the proper handling of such Information.
• We do not sell Information to any person or company.
• We do not share Information with non-affiliate companies that would use such Information to market their own products and services, unless permitted pursuant to a joint marketing agreement.
Patrons of Husbandry
As a benefit of owning a Grange Insurance Association policy, you are automatically a supportive member of the fraternal Grange. Grange Insurance Association has had a successful relationship with the Patrons of Husbandry for over 110 years. The Patrons of Husbandry is a fraternal organization also known as the Grange. The Grange was formed in 1867 by a group of farmers for their mutual support and protection and to foster civic, moral, and political responsibility. If you are a Grange Insurance Association or a Granwest Property & Casualty policyholder, we cordially invite you to call the Patrons of Husbandry at 1 (888) 4-Grange to discover the full benefits of participating in this organization. We welcome you to the Grange Insurance Association family of companies.
The Website is intended to be used for insurance and financial products and services. Consistent with the United States Federal Children’s Online Privacy Protection Act of 1998 (COPPA), the Website is not directed at children and we do not knowingly collect Information from anyone under the age of thirteen ( 13) years. If you are a parent or guardian and believe that your child has provided Information to the Website without your consent, for example – by misrepresenting his or her age, please notify us.
The Information We Collect from You
We get most of our Information directly from you through the insurance application you complete, email, mail, or telephonic communications, and various insurance transactions. Some examples of the Information we may collect from you include, among other types of Information:
• Your name
• Your phone number
• Your home and email address
• Your driver’s license number
• Your social security number
• Your marital status
• Your healthcare information
• Your payment history
• Your claims
• Photographs of property to be insured
The Information We Collect from Third Parties
In addition to the Information we obtain from you, we may collect Information about you from consumer reporting agencies. Some examples of the Information we may collect from third parties include, among other types of Information:
• Motor vehicle records and reports
• Claim report
• Credit information where permitted by law
• Court records or other public records
The Information from Internet Use
We may also automatically receive and store certain types of Information whenever you visit the Website, such as the name of the domain and host from which you access the Internet, the IP address of the computer you are using, the web browser and operating system you are using, the date and time you access the Website, and the Internet address of the website from which you linked to the Website. We may log and use your IP address to administer the Website, to help diagnose problems with our server, to analyze trends, to track users' webpage movements, to help identify you, and to gather broad demographic information for aggregate use.
We may use standard tools, such as “cookies” (which may be html files, flash files, or other technology), web beacons, or similar technologies (collectively, “Tracking Tools”). Cookies are small text files stored locally on your computer that help store user preferences. “Web beacons” or “clear gifs” are small pieces of code placed on websites used to collect advertising metrics, such as counting page views, promotion views, or advertising responses. We may use Tracking Tools to monitor the Website and Internet usage and to improve or customize the Content, offerings, or advertisements on the Website.
In addition, on occasion we may also set a “session cookie” on the Website to help us administer the Website. The session cookie expires when you close your web browser and does not retain any Information about you after it expires. If you do not want the benefits of these cookies, you may opt-out by visiting http://www.networkadvertising.org/optout_nonppii.asp. However, if you do so, you may not receive the full benefit from the use of the Website.
Finally, our web servers may collect “log data.” Log data provides aggregate information about the number of visits to different pages on the Website.
We use the aggregate log data to improve access to the Website and Content based on the visitors’ web browsers and operating system types to make the Website and Content available to as many users as possible. We do not link the “log data” collected to Information. Third Party Providers may also collect aggregate log data independently from us.
How We Use and Share Your Information
We may, but we are not obligated to, retain any Information you provide, including the content of any emails you send, so that we may respond to your requests for information or questions and comply with any legal requirements. Some examples of how we may use your Information include, among other uses:
• The specific purpose for which it was volunteered
• Developing, marketing, selling, or providing our products and services
• Managing and developing our business and operations
• Transferring of business assets
• Administering, maintaining, and improving the Website
• Administering your account
• Verifying your identity
• Communicating with you
• Complying with applicable laws, statutes, or regulations
In order to conduct our business and to better serve you, we may disclose all of the Information we collect, as described above, to our affiliated insurance companies. We may also disclose all the Information we collect to companies or individuals that perform services on our behalf with whom we have joint marketing agreements. These companies and individuals may only use the information for the transactions we request. Some examples of services that may be performed on our behalf by companies or individuals include, among other types of services:
• Servicing your policy
• Credit/Debit card processing
• Tracking how visitors use www.grange.com
• Fulfilling a transaction you requested
• Preventing fraud
• Marketing our products
• Handling your claim
• Complying with requests from law enforcement
Additionally, we may share Information when it is required by a court or government agency or to respond to a claim by you or a third party. In doing so, we may respond to any subpoena received from a court or government agency without prior notice to you. Unless prohibited by law or by a court order, we will use reasonable efforts to notify you of any subpoena received from any other party that requires us to disclose your identity and will wait ten ( 10) days thereafter, or a lesser amount of time as required by the deadline in the subpoena, before providing the requested Information.
Section 22575 of the California Business & Professions Code requires website and online service operators to disclose whether they honor web browser “Do Not Track” settings. We do not authorize third parties to track, collect, or to use your Information over time and across third party websites for online behavioral advertising placement purposes. Because there is not yet an industry standard as to how to respond to “web browser do not track signals,” and because we do not authorize third parties to track, collect, or to use your personal information over time and across third party websites for online behavioral advertising placement purposes, we currently do not take action in response to such browser signals. For more information about Do Not Track, please visit www.allaboutdnt.org.
We need to disclose to you that we do not share medical information. Effective January 1, 2005, under California Civil Code Section 1798.83, if an individual who is a California resident has provided Personal Information to a business in connection with a business relationship that is primarily for personal, family, or household purposes, and if that business has within the immediately preceding calendar year disclosed such an individual's Personal Information to a third-party and knows or should have known that such third-party used the information for its own direct marketing purposes, then that business is obligated to disclose in writing to such individual upon request, what Personal Information was shared and with whom it was shared. Any request for a disclosure required under this California law should be sent to us via email at [firstname.lastname@example.org] or via regular mail at:
Grange Insurance Association
200 Cedar Street
Seattle, WA 98121
Please note that under this law, we are not required to respond to a customer's request more than once in a calendar year, nor are we required to respond to any request that is not sent to the email or mailing address designated above.
Access and Correction of Information
If you are a resident of Arizona, California, Connecticut, Georgia, Illinois, Maine, Minnesota, Montana, Nevada, New Jersey, North Carolina, Oregon, or Virginia, you have the right to access and correct the Information that we have collected from or about you. Your request must be in writing, you must properly identify yourself, and you must reasonably describe the Information. If the Information is reasonably locatable and retrievable by us, we will inform you of the nature and substance of the information within thirty (30) business days of your request. If the source of the Information is an institutional source, we will inform you of the identity of that source. We will also permit you to see and copy such Information in person or we will mail you a copy, whichever you prefer. We will tell you to whom this Information has been disclosed within the last two ( 2) years or we will tell you to whom such Information is normally disclosed. There are some types of Information to which we are not required to give you access. This Information is generally collected when we evaluate a claim under an insurance policy or when the possibility of a lawsuit exists. Consumer protection laws also do not permit us to share certain types of Information with you.
Upon written request, you may ask us to correct, amend, or delete any recorded Information we have about you in our files. If we agree, we will, to the extent required by law, notify any person or organization who either supplied us with the Information or to whom we disclosed it. If we do not make the correction, amendment, or deletion you request, we will notify you and tell you the reason(s) for our refusal. You may then file a concise statement setting forth what you think the correct Information is and why you disagree with our refusal to make the correction, amendment, or deletion. Your statement will remain with your file, and we will furnish it to any person or organization who either supplied us with the Information or to whom we have disclosed it. Your disagreement will also be made known to persons or organizations who review the Information after you file your statement. Information obtained from a report prepared by an insurance-support organization may be retained by the insurance-support organization and disclosed to other persons.
Please send written requests to:
Grange Insurance Association
200 Cedar Street
Seattle, WA 98121
Confidentiality and Security
We restrict access to Information about you to those employees who need to know that Information to provide products or services to you and to conduct our internal operations. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your Information.
Additionally, the Website is a certificate trusted website and uses security software to encrypt information before and during transmission to the internet. However, this security measure depends on the compatibility of your web browser. While we strive to protect your Information, the internet is not absolutely secure and, thus, we cannot promise guaranteed security. In the unlikely event that we believe that the security of your Information in our possession or control may have been compromised, we may seek to notify you of that development. If a notification is appropriate and to the extent we have your email address, we may notify you by email.
There are steps you can take to help maintain the security of your Information, such as:
• Using the latest version of your web browser.
• Keeping your username and password confidential.
• Accessing the Website only on personal or trusted computers.
Grange Insurance Association
200 Cedar Street
Seattle, WA 98121