Atlantic Casualty Insurance Company
California Consumer Privacy Policy

Last Updated:  November 1, 2024

At Atlantic Casualty Insurance Company®, (including Auto-Owner Specialty Insurance Company, together “Atlantic Casualty”, “we”, “us” or “our”) have created this California Consumer Privacy Policy (“California Policy”) to describe how we collect, use, and disclose the personal information of California consumers and the rights prescribed by the California Consumer Privacy Act (CCPA).

Specifically, this California Policy describes our personal information collection practices when California residents visit our Internet domains https://www.atlanticcasualty.net, https://aces.atlanticcasualty.net and https://www.myacic.net (the “sites”). This California Policy does not describe how Atlantic Casualty handles personal information relating to Atlantic Casualty insurance policies, payments or claims. If you are insured by Atlantic Casualty, and wish to know more about how we collect, use, and disclose this type of information, please review Atlantic Casualty’s most recent Notice of Privacy Practices that has been provided to you along with other policy information.

1. What Information We Collect And Disclose And For What Purposes

Website Visitors and Portal Users

Categories Collected

The personal information we collect may include:

Sources of Collection

We may collect your personal information from:

Business Purpose

The purposes of our collection, use and disclosure include:

Categories of Third Parties to Which Personal Information is Disclosed

We may disclose your personal information to:
Identifier Information, like your internet protocol (IP) address and online identifiers
  • you, directly
  • referring websites
  • facilitating your use of our sites
  • enforcing any applicable terms of service or other applicable agreements or policies
  • securing our networks, systems and databases against external threats
  • marketing and advertising of our services
  • our service providers (marketing services vendors, security monitoring providers, data analytics providers, database hosting vendors and our auditors)
  • our affiliates
  • other entities during a corporate transaction
  • courts, litigants, regulators, arbitrators, administrative bodies or law enforcement for legal purposes
Geolocation Information
  • you, directly
  • referring websites
  • personalizing and facilitating your use of our sites
  • measuring, tracking and analyzing trends and usage in connection with your use or the performance of our sites
  • marketing and advertising of our services
  • our service providers (marketing services vendors, security monitoring providers, data analytics providers, database hosting vendors and our auditors)
  • our affiliates
  • other entities during a corporate transaction
  • courts, litigants, regulators, arbitrators, administrative bodies or law enforcement for legal purposes
Internet or Other Electronic Network Activity Information, like your time zone setting, auth0 logs, pages visited, pages viewed, events and page loads, browser plug-in types and versions
  • you, directly
  • referring websites
  • maintaining and improving our sites
  • personalizing and facilitating your use of our sites
  • measuring, tracking and analyzing trends and usage in connection with your use or the performance of our sites
  • marketing and advertising of our services
  • our service providers (marketing services vendors, security monitoring providers, data analytics providers, database hosting vendors and our auditors)
  • our affiliates
  • other entities during a corporate transaction
  • courts, litigants, regulators, arbitrators, administrative bodies or law enforcement for legal purposes
Device Information, like your operating system and platform and other technology on the devices you use to access the sites
  • you, directly
  • referring websites
  • maintaining and improving our sites
  • personalizing and facilitating your use of our sites
  • measuring, tracking and analyzing trends and usage in connection with your use or the performance of our sites
  • marketing and advertising of our services
  • our service providers (marketing services vendors, security monitoring providers, data analytics providers, database hosting vendors and our auditors)
  • our affiliates
  • other entities during a corporate transaction
  • courts, litigants, regulators, arbitrators, administrative bodies or law enforcement for legal purposes
Sensitive Personal Information (log-in information)
  • you, directly
  • provide you with access to our sites
  • respond to your questions or concerns
  • manage your account preferences, establish your profile and registration information
  • our service providers (security monitoring providers and database hosting vendors)
  • other entities during a corporate transaction
  • courts, litigants, regulators, arbitrators, administrative bodies or law enforcement for legal purposes

 

2.    How Long We Retain Your Information

We may retain your personal information for a period of time that is consistent for us to perform our provision and maintain the sites, as well as to comply with applicable law, applicable statute of limitations and our data retention practices. We may also retain your personal information as we believe is reasonably necessary to comply with legal process or governmental request, to detect or prevent fraud, to collect fees owed, to resolve disputes, to address problems, to assist with investigations, to enforce other applicable agreements or policies or to take any other actions consistent with applicable law.

3.    Data Rights For California Consumers

Right to Know:  California residents have the right to know what personal information Atlantic Casualty has collected about them, including the categories of personal information, the categories of sources from which the personal information is collected in the past 12 months, the business or commercial purpose for collecting, “selling,” or “sharing” (which is a term used under California law to address the sharing of information for targeted advertising purposes) personal information, the categories of third parties to whom Atlantic Casualty discloses personal information, and the specific pieces of personal information Atlantic Casualty has collected about them.

Please review the section titled What Information We Collect And Disclose And For What Purposes for a description of what online browsing personal information we collect, process and disclose, and for what purposes.

Atlantic Casualty does not sell your personal information or give your information to third parties in exchange for money. However, under California state law, disclosure of your online browsing personal information to certain third parties (such as social media providers, ad networks, analytics vendors, and providers of online marketing and advertising services) via automated technologies such as cookies, pixels, and tags, for advertising or analytics purposes may be considered a “sale” of personal information. This disclosure of online browsing personal information may also be for the purposes of cross-context behavioral advertising (called “sharing” under California state law). We do not knowingly “sell” or “share” (as these terms are defined by these California state law) personal information of consumers under 16 years of age.

Right to Delete:  California residents have the right to request that Atlantic Casualty delete the personal information Atlantic Casualty maintains about them.

However, we do not collect or maintain online browsing personal information in any way that is identifiable to you as an individual. Therefore, you can adjust the settings in your browser in order to restrict or block cookies that are set by the sites (or any other website on the Internet). Your browser may include information on how to adjust your settings. Alternatively, you may visit www.allaboutcookies.org to obtain comprehensive general information about cookies and how to adjust the cookie settings on various browsers. This site also explains how to delete cookies from your computer.

You can control and delete these cookies through your browser settings through the following:

You can also use the following cookie management and disposal tool from Google Analytics by downloading and installing the browser plug-in from the following link: https://tools.google.com/dlpage/gaoptout.  The companies we work with may be members of the Network Advertising Initiative (NAI).

Please be aware that restricting cookies may impact the functionality of the sites. Most browsers allow you to refuse to accept cookies. Additional general information about cookies, including how to be notified about the placement of new cookies and how to disable cookies, can be found at www.allaboutcookies.org.

Right to Correct:  California residents have the right to request that Atlantic Casualty correct inaccurate personal information about them. However, we do not collect or maintain online browsing personal information in any way that is identifiable to you as an individual.

Right to Opt-Out:  California residents have the right to opt-out of the “sale” and “sharing” of their personal information maintained by Atlantic Casualty.  

However, we do not collect or maintain online browsing personal information in any way that is identifiable to you as an individual. Therefore, you can opt-out of the “sale” or “sharing” of your online browsing personal information by:

Please delete all Atlantic Casualty cookies.

Right to Limit Use and Disclosure of Sensitive Personal Information:  California residents have the right to direct a business to limit its use and disclosure of their “sensitive” personal information. California residents can request that a business limit its use or disclosure of their “sensitive” personal information to that use or disclosure which is necessary to perform the services or provide the goods reasonably expected by an average consumer, or to those uses or disclosures otherwise authorized by California law in CCPA regulation § 7027(m). However, we do not use or disclose your “sensitive” personal information for any purpose other than for the specific purposes described under the CCPA regulation § 7027(m) and always in a manner reasonably necessary and proportionate for these permitted purposes.

Right to Non-Discrimination:  California residents have the right to non-discrimination for the exercise of their privacy rights under the CCPA. Under the CCPA, California residents have the right not to receive discriminatory treatment by Atlantic Casualty for the exercise of their privacy rights. However, the exercise of certain privacy rights by California residents will make it so that Atlantic Casualty is no longer able to provide those residents with certain services and communications.

Right to Make Requests Through an Authorized Agent:  California residents can designate an authorized agent to make a request under the CCPA on their behalf. By completing this Agency Form, California residents can designate an authorized agent to make requests under the CCPA related to the residents’ personal information. Atlantic Casualty can deny any request made by an agent who does not submit proof that he or she has been properly authorized by the California resident to act on the California resident’s behalf.

4.    How To Submit A Request

You can submit your request to exercise your data rights through the below:

5.    How We Process Data Rights Requests

Once we receive your request to exercise a right, we will confirm receipt and begin to evaluate, and if appropriate, process the request. Please note that:

  • We may require that you provide additional information to confirm your identity, including providing us with at least two or more pieces of personal information to match against personal information that we currently maintain about you. We reserve the right to reject your request if we are unable to verify your identity to a sufficiently high level of certainty. The information you provide to verify your identity will only be used for verification purposes, and a record of your request, including certain information contained within it, will be maintained by Atlantic Casualty for our files.
  • To authenticate any request to correct personal information, you may be required to provide authentication information.
  • Certain laws or other legal requirements might prevent some personal information from being disclosed or deleted.  

If you fail or refuse to provide the necessary information, we may not be able to process your request.

If we reject a request for any reason, we will inform you of the basis of the rejection. Not all individuals about whom we possess information will have access to these rights and we may not be able to provide these rights to everyone due to legal and jurisdictional limitations. We may not be able to comply with your request for a number of reasons, including:

  • you do not live in a state that grants you the specific right that you have requested;
  • the information that you’ve requested is not subject to the regulation that grants you the right to make a request in relation to your personal information;
  • we are prevented or exempted by law, regulation or rule from complying with your request;
  • we do not maintain your personal information in a manner that is connected to your identity;
  • we are not able to comply with your request without incurring disproportionate burden or expense; or
  • if complying with your request conflicts with the integrity of our sites, the ability to administer our sites, to administer our business and related relationships or to establish, defend or administer legal claims.

If any of the above reasons apply, we will let you know in our response to your request.
Contact Us.

6.    Contact Us

Please contact Atlantic Casualty with any questions or concerns regarding this California Policy.

If you have any questions or concerns regarding our California Policy, or if you believe our California Policy or applicable laws relating to the protection of your personal information have not been respected, you may file a complaint with Atlantic Casualty using the contact information listed above, and we will respond to let you know who will be handling your matter and when you can expect a further response. We may request additional details from you regarding your concerns and may need to engage or consult with other parties in order to investigate and address your issue. We may keep records of your request and any resolution.