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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.
For California Residents
We are a member of the National Indemnity Group of Companies, who has a page dedicated to resources regarding the California Consumer Privacy Act, including an online request form, here: https://www.nationalindemnity.com/California_Privacy.aspx
As is industry standard among all insurance carriers and in accordance with applicable laws and your policy, your Annual Premium is an estimate determined by the information provided to us to date and the application of our manuals of rules, rates, rating plans and classifications. Your Annual Premium is subject to change after coverage has been bound. Please be aware that the information submitted to us by you is subject to verification via an annual audit in accordance with the terms of your policy. Also, additional charges may be applied in certain jurisdictions to address specific circumstances. If a check is returned due to insufficient funds, a fee will be assessed. Payments received after the due date may be subject to a late fee and policy cancellation. Please read your policy carefully. Coverage is only afforded by your policy and endorsements.
Personal information about you, including information from a credit or other investigative report, may be collected from persons other than you in connection with this application for insurance and subsequent amendments and renewals. Such information as well as other personal and privileged information collected by us or our agents may in certain circumstances be disclosed to third parties without your authorization. Credit scoring information may be used to help determine either your eligibility for insurance or the premium you will be charged. We may use a third party in connection with the development of your score. You may have the right to review your personal information in our files and request correction of any inaccuracies. You may also have the right to request in writing that we consider extraordinary life circumstances in connection with the development of your credit score. These rights may be limited in some states. Please contact us at [Phone Number] to learn how these rights may apply in your state or for instructions on how to submit a request to us for a more detailed description of your rights and our practices regarding personal information. (not applicable in AZ, CA, DE, KS, MA, MN, ND, NY, or, VA, or WV.)
Recurring Automatic Bank Draft
The Automatic Bank Draft may be offered to certain customers. If you select to enroll in Automatic Bank Draft, you must agree that the following Automatic Bank Draft terms apply. After enrolling in Automatic Bank Draft, we will automatically deduct payment when it is due. We will continue to send you Billing Statements as a courtesy, but cannot guarantee that you will receive any specific notice, or that notices will arrive prior to the date that the automatic draft is made. Enrollment in Automatic Bank Draft does not change your obligations to make payments under the policy terms. By enrolling in Automatic Bank Draft, you also agree that Automatic Bank Draft will renew automatically if you renew your policy. You may rescind Automatic Bank Draft at any time by emailing [email].
Auto-Pay Recurring Card Payment
By enrolling in Auto-Pay by clicking the Purchase button on the payment page, you agree to allow [Company Name] to automatically debit future insurance payments from your account. You also agree to allow your financial institution to debit your account for these payments, and you understand changes to your policy or premium may change the amount debited. You can discontinue automatic insurance payments at any time by calling us at 1-800-507-4495.
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