POLICY TopInsuranceCenter RESPECTS YOUR PRIVACY Protecting your privacy is very important to us. Customers like you have trusted us with their insurance needs since 2017, and we take our obligation to safeguard and secure your personal information very seriously. We want you to understand how we protect your privacy and when we collect and use your information.
1. We obtain personal information from you directly, from your transactions with us, and from third parties
2. such as state motor vehicle departments.
3. We do not collect personally-identifying information from you when you visit our Web site or online services unless you affirmatively provide it to us.
4. We do not allow third parties to collect personally-identifying information from your computer or mobile device when you visit our Web site or use our online services.
5. We do not and will not sell your personal information. 6. Any third parties who perform services for us are required to safeguard any customer information and may only use it regarding performing those services.
7. We extensively secure and limit access to your information.
8. We protect information about potential, current, and former policyholders.
THE INFORMATION WE COLLECT Non-public personally identifiable information (“Information”) is information that identifies you and is not available to the general public. The following sections tell you more about how and when we collect your Information. INFORMATION WE OBTAIN FROM YOU During the quoting, application, or claims handling processes you may give us Information such as your:
If you gave us your email address, TopInsuranceCenter may use it from time to time to notify you of such things as new services, special offers, or to confirm transactions. If you do not wish to be contacted by email for non-policy related communications, you may unsubscribe by following the instructions at the bottom of any TopInsuranceCenter email you receive. If you are a policyholder, you can log in to your account at TopInsuranceCenter.com, click on “Update Email Preferences” on the right side of the screen and choose the level of communication you’d like to receive from us. If you have not yet enrolled online, you will need to enroll with TopInsuranceCenter.com to update your email preferences. INFORMATION ABOUT YOUR TRANSACTIONS We may collect Information about your transactions and experiences with us and others, such as your payment history, claims, coverage, and vehicle changes. INFORMATION FROM THIRD PARTIES We may receive Information about you from consumer reporting agencies, which provide us with motor vehicle reports, claim reports, and/or credit information where permitted by law. When you ask for a rate quotation, we may obtain credit information if permitted by applicable state law. Our sales and service representatives do not have access to the details of your credit information. Other companies who view your credit report will not see the TopInsuranceCenter inquiry. It will be visible only to you. Our inquiry will not affect your credit score or credit rating. If you commit to purchase a policy with TopInsuranceCenter, we will also confirm your motor vehicle record and claims history. As permitted by law, we may also review your motor vehicle record, claims history, and/or credit information in connection with any renewal. LOCATION SERVICES Your current location is only used if you permit our services to do so. If you allow your location to be obtained using a TopInsuranceCenter app, or with a browser, we will use this information to return your estimated location. We use this information solely to distinguish your current location and not to identify you. TopInsuranceCenter does not automatically track your location. ACCESS TO AND CORRECTION OF PERSONAL 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 request access to and correction of the personal information that we have collected from or about you. To do so, simply contact TopInsuranceCenter’s customer service department. If you’d like to correct information that you provided to us, our representative will make the appropriate adjustments to TopInsuranceCenter’s records. If you wish to correct personal information provided to TopInsuranceCenter by a third party (such as a credit rating agency) the representative will provide you with the applicable third party’s contact information. Upon the request of residents of other states, we will take reasonable steps to verify the accuracy of the personal information in our records. THE INFORMATION WE DISCLOSE Information about our customers or former customers will only be disclosed as permitted or required by law. Information about you that has been collected is maintained in your policy and or claims records. We use this Information to process and service your policy; to settle claims; with your consent; or as directed by you. We may also disclose it to persons or organizations as necessary to perform transactions you request or authorize. Information about our former customers and about individuals who have obtained quotes from us is safeguarded to the same extent as Information about our current policyholders. Following are some examples of how we may disclose Information: We must exchange Information about you with our agents, investigators, appraisers, attorneys, and other persons who are or will become involved in processing your application and servicing your policy or any claims you may make. When you are involved in a claim, policy information is provided to adjusters and the businesses that will repair your vehicle. We may share Information with persons or organizations that we have determined need the Information to perform a business, professional, or insurance function for us. These include businesses that help us with administrative functions. If the law in your state permits, we may share Information with financial institutions with which we have a joint-marketing agreement. All of these entities are obligated to keep the Information that we provide to them confidential and to use the Information only for the purpose for which the Information was provided. Information may be provided to organizations conducting actuarial research or audits. In this case, you will not be individually identified in any research report. The organization must agree not to redisclose the Information and the Information will be returned to us or destroyed when it is no longer needed. We may also share your Information for other permitted purposes, including:
We collect each of the above categories of information for a variety of purposes, including: