Privacy Policy
Berkshire Hathaway Direct Insurance Company, dba THREE (“THREE”), is committed to protecting your privacy. This policy describes how we protect your privacy and secure the personal information that you provide to us.
Your Privacy
In the course of our dealings with you, we will collect and process personal information about you. Personal information includes any information allowing us to identify you as an individual, for example, your name, your email address or your telephone number. We will use your personal information in accordance with all applicable laws and regulations that relate to data protection and privacy. Subject to our Cookie Policy, we do not collect personal information from you when you visit our website, only when you affirmatively provide it to us. The information you provide will never be sold to a third party and any third party that has access to your personal information in the course of providing services for us is required to safeguard your information in the same manner that we do.
The Information We Collect
We collect information about you and your business in order to provide you with a premium quote and issue you an insurance policy. We may also collect information from third parties, such as credit histories and claim history, which is disclosed to us as permitted by applicable law. You may have the right to access and correct the personal information that we collect from and about you. Please contact us at 1-800-507-4495 to know these rights may apply in your state.
How We Use Your Personal Information
We use the personal information provided by you for purposes of determining whether to issue an insurance policy, for servicing any policies issued, and for purposes of adjusting any claims submitted under any policy. We may disclose certain personal information to third parties as permitted or required by law, for example to obtain a credit history necessary for processing your policy application. We may share information in the course of satisfying certain administrative functions under the policy such as with financial institutions for premium payment, or in meeting our contractual obligations such as sharing information with investigators, attorneys, medical professional, auditors, actuaries and other insurers, or when we have a legal obligation to share such information.
By submitting an application for insurance or otherwise providing information to us, we have your consent for the use of your personal information in order to perform a contract with you, or for our legitimate business and legal interests.
How Long We Keep Personal Information and How We Protect It
We are required by law to keep your personal information only for as long as is necessary for the purposes for which we are using it. The period for which we keep your personal information will be determined by a number of criteria, including the purposes for which we are using the information, the amount and sensitivity of the information, the potential risk from any unauthorized use or disclosure of the information, and our legal and regulatory obligations. We train our employees to safeguard your information and we maintain physical and procedural safeguards to prevent access to your information by third parties. Finally, the use of your personal information is protected by applicable law. Regardless of where we store any personal information, we will take reasonable steps and implement appropriate measures to ensure that your personal information is adequately protected in accordance with the law.
You Can Review and Correct Your Personal Information
You can contact us at THREE, P.O. Box 34987, Omaha, Nebraska 68134 and ask to review or correct any personal information that you may specify. Our security procedures may require that we request proof of identity before we are able to disclose your personal information to you or comply with other requests. We want to make sure that the personal information we hold about you and your preferences as to how we contact you are accurate and up to date. If any of the details are incorrect, please let us know and we will amend them.
The Internet Environment
While we try to protect the information provided to us, you should recognize that the transmission of information via the internet is not completely secure. This risk is common across the internet and not specific to our services. We cannot guarantee the security of your data (including your personal information) transmitted to us via the internet; any transmission is at your own risk.
It is important for you to protect against unauthorized access to your password and to your computing device. Be sure to sign off and close your browser when you have finished your session. This will help to ensure that others do not access your personal information if you share your computing device or use a computing device in a public place such as a library or internet café.
We also use technology that includes web beacons to other websites that are not ours. Those websites may place a cookie on your computer, which registers your IP address and the websites that address visits. Part of our advertising includes remarketing, a technology which allows advertising to people who have previously visited our website when they browse websites across the internet. We use that technology, including Google Analytics, to help us measure our website performance or advertise our products and services. Please see our Cookie Policy to learn more about how to restrict cookies on your computer. You can also learn about available opt-outs for the web at Google Tools.