How We Protect Your Privacy
Revised Date: November 16, 2022
These and all related websites will be known as “sites” and each of them will be known as a “site.” When we refer to “we,” “us,” or “our,” we mean Atlantic Casualty, or the specific division that operates a site, provides its content, or processes information received through it, each as appropriate and applicable. When we refer to “you” or “your,” we mean the person accessing the site. If the person accessing the site does so on behalf of another person, including a business or other organization, then “you” or “your” will also refer to that person, including a business or organization.
*Atlantic Casualty Insurance Company® includes our affiliate company, Auto-Owners Specialty Insurance Company.
- GENERAL DISCLOSURES
- INFORMATION THAT WE COLLECT
- HOW WE USE YOUR INFORMATION
- WHEN AND WITH WHOM DO WE SHARE YOUR INFORMATION
- COOKIES POLICY
- HOW TO RESTRICT COOKIES
- ADVERTISING AND ANALYTICS
- SOCIAL MEDIA
- LINKING SITES
- HOW LONG WE RETAIN YOUR INFORMATION
- WEB ACCESSIBILITY STATEMENT
- CHILDREN'S ONLINE PRIVACY PROTECTION ACT (COPPA) COMPLIANCE AND RELATED INFORMATION
- CALIFORNIA PRIVACY RIGHTS
- NEVADA LAW
- CONTACT US
We take your privacy and the protection of your personal information seriously. We will only store, process and disclose your personal information in accordance with applicable laws. We will make it clear when we collect your personal information and will explain what we intend to do with it. We do our best to protect your privacy through the appropriate use of information security measures. (Back to Top)
- Information That You Provide To Us Directly
Atlantic Casualty may collect different information from or about you depending on the way you use our sites or Services. For example, we routinely obtain information through applications and forms related to our products or Services, from visiting our sites and your transactions with us. We may also obtain such information from our affiliates, third parties or consumer reporting agencies.
The type of information that we collect depends on the Services we are providing to you, but may include your name, address, contact information, Social Security number, driver’s license or passport number, credit history, claims history, information to properly investigate and resolve any claims, or billing information. The nature and extent of the information we obtain varies based on the nature of the products and services you receive.
Atlantic Casualty collects information from various types of individuals in its ordinary course of business including, but not limited to insureds, agents, claimants, employees, vendors, and/or visitors to its websites. The following are examples to help you better understand the information that we may collect through your use of our sites or in the course of us providing our Services
- Identity/Contact Information is considered personal identifiers such as your name, an alias, mailing & email addresses, telephone number(s), date of birth, marital status, social security number, driver’s license number, passport number, tax identification number, occupation, marital status, or similar identifiers.
- Medical Information includes medical history, your current medical condition, etc. We may obtain this information with your permission or as otherwise allowed or required by law.
- Property Information includes real property, such as acreage, building, home information, alarm systems, geolocation, fixtures, real property records; and personal property, such as automobile descriptors (i.e., VIN numbers, car makes and models, etc.), personal property records, etc.
- Financial Information includes loan numbers, mortgage numbers, bank account information, and payment card details.
- Insurance Information includes claims history; credit history; insurance policy information, such as limits, deductibles, and driving record. It can also include household member identity information, contact information, medical information and property information.
- Claims Information including police reports, recorded statements, and insurance information.
- Transaction Information includes details about the products and services that you have purchased from us along with any corresponding transactions which includes your independent agency.
- Technical Information includes your internet protocol (IP) address, login data (username and password), contact information, time zone setting and locations (geocodes), logs, pages visited and viewed, events and page loads, browser plug-in types and versions, operating system and platform as well as other technology on the devices used to access our sites.
- Usage Information includes information about how you utilize our website, products and services.
- Information Received From Third Parties
To assist in providing you our Services, including underwriting and servicing your policy, we may obtain your personal information from third party organizations such as our affiliates, independent insurance agents, governmental agencies, vendors, or consumer reporting agencies.
We will not knowingly obtain or use personal information that was collected from you or disclosed to us in violation of law or through deceptive means.
- Collection Of Technical Information And Usage Information
When accessing Atlantic Casualty’s sites, information is automatically collected. This information may include, without limitation, the following: (a) technical information about your computer or wireless device, such as your IP address, geolocation information, device type, operating system type and version, unique device ID, browser, browser language, domain and other systems information or platform types (collectively “Technical Information”) and (b) usage statistics about your interaction with Atlantic Casualty’s sites, including pages accessed, referring website address(es), time spent on pages, pages visited, queries searched, click data, date and time along with other information regarding your use of Atlantic Casualty’s sites (collectively “Usage Information”).
- Collection Of Information From Claimants Who Are Not Insureds
Individuals not insured through Atlantic Casualty might provide personal information, either directly or through a third party, when filing a claim the company. This information can include any of the information listed above. (Back to Top)
We may use your information in the following manner without limitation:
- Providing, Improving And Developing Our Services
- Underwriting your policy
- Processing and handling claims
- Reviewing and analyzing user browser and wireless device technical information
- Reviewing user activity across sites which may include Atlantic Casualty analyzes trends, user traffic and usage information to determine the performance of content, research reports or events
- Processing or recording payment transactions including money transfers
- Otherwise providing you with the Atlantic Casualty Services and features you choose to use, including responding to claims from those who are not insured through Atlantic Casualty
- Displaying your historical transaction information
- Providing, maintaining and improving our Services
- Developing new products and Services
- Delivering the information and support that you request
- Improving, personalizing and facilitating your use of our Services
- Measuring, tracking and analyzing trends in connection with your use of our Services
- Communicating With You About Our Services
We may use your Contact Information, such as your telephone number and email address, to communicate the following:
- Respond to questions or concerns
- Send information that you have requested about our Services
- Provide updates about your policy and/or claims
- Manage your account preferences and registration information and establish your profile
- Protecting Our Services And Maintaining A Trusted Environment
- Preventing fraud
- Enforcing our Terms of Service or other applicable agreements or policies
- Verifying your identity
- Complying with any applicable laws or regulations, or in response to lawful requests for information from the government or through legal process
- Fulfilling any other purpose disclosed to you in connection with our Services
- Analyze trends and user traffic, track purchases and usage information
- Contacting you to resolve disputes and provide assistance with our Services
- Other Uses
- For any other purpose disclosed to you in connection with our Services from time to time (Back to Top)
WHEN AND WITH WHOM DO WE SHARE YOUR INFORMATION
- We Do Not Sell Your Information
We do not sell your personal information to third parties, and we also do not allow the third parties with whom we share your personal information to sell it. Atlantic Casualty does not sell the personal information of minors under sixteen (16) years of age.
- When And How We May Share/Disclose Your Information With Third Parties
When sharing information with trusted third parties to help us conduct our business, we require them to protect your personal information. Your personal information is shared with these trusted third parties only when necessary for the administration and functioning of our Services. We do not permit them to use or share your personal information for any purpose other than the work they are doing on our behalf or as required by law.
The types of information disclosed may include personal information we collect as necessary to service your policy or account, investigate and pay claims, comply with state and federal regulatory requests or demands, and process other transactions that you request. Third parties that may receive disclosures may include your independent agent, regulators, reinsurance companies, fraud prevention agencies, insurance adjusters, data analysis service providers, and legal service providers.
We may also share your information with third-party companies that perform services on our behalf, including for payment processing, data analysis, e-mail and hosting services, and customer services and support.
- Corporate Transactions
- Disclosure Of Information For Legal Purposes
Atlantic Casualty may disclose all or part of your personal information when we have reason to believe that disclosing this information is necessary to identify, contact, or bring legal action against someone who may be violating any agreement with Atlantic Casualty or may be causing injury to or interference (either intentionally or unintentionally) with our rights or property, other users of our sites, or anyone else that could be harmed by such activities. We may disclose information in response to a subpoena, search warrant, in connection with judicial proceedings, or pursuant to court orders, legal process or other law enforcement measures. Atlantic Casualty may disclose or access personal information when we believe, in good faith, that the law requires it, such as to our governmental or industry regulators, to establish our legal rights, or to defend against legal claims, and for administrative and other purposes that we deem necessary to maintain and improve our Services.
- Analytics And Data Enrichment Services
To provide visitors with better service, the sites may use analytics software to track usage activity of the sites. The information collected is anonymous, aggregated data and does not contain personally identifiable information. If, at any time, you choose not to participate in the use of analytics software, then you can choose to opt-out by using your search engine (i.e., Google, Bing, Yahoo, etc.) available opt-outs for the web. In addition to basic analytics software, our sites may also use Google Display Network Impression Reporting, or Google Demographics and Interest Reporting from the data obtained through analytics software.
We may use third-party analytics, such as Google Analytics, to advertise online. Third-party vendors, including Google and similar sites, may show our ads on websites across the internet. By using Google Analytics software, we’re able to obtain third-party audience data. We use this data to make improvements to the site and may also utilize Google’s interest-based advertising services. Using Google’s Ad Settings, you can opt-out of Google Analytics for Display Advertising and customize Google Display Network ads. For more information, see the ADVERTISING AND ANALYTICS section below.
- Aggregated, Anonymized Or De-identified Information
We may disclose or use aggregated, anonymized, or de-identified information for any purpose. Aggregated, anonymized or de-identified information is information that can no longer reasonably identify a specific individual. Although such information may be derived from your personal information, it can no longer directly or indirectly reveal your identity. (Back to Top)
Session cookies are used to identify a particular visit to Atlantic Casualty’s sites and collect information about your interaction with the sites. These cookies expire after a short time or when the user closes their web browser after using the sites. Atlantic Casualty uses these cookies to identify a user during a single browsing session, such as when you log into the sites. This helps Atlantic Casualty improve the sites and Services as well as improve the users’ browsing experience.
Persistent cookies will remain on a user’s device for a set period of time specified in the cookie. Atlantic Casualty uses these cookies to identify and recognize a specific user over a longer period of time. They allow Atlantic Casualty the ability to do the following:
- Analyze the usage of the sites in order to improve our offering
- Determine if a certain page was visited or whether an email sent by Atlantic Casualty was opened or clicked on by a user
- Test different versions of the sites to see which particular feature or content users prefer in order to optimize the sites
- Store information about a user’s browser and settings preferences to provide a more personalized and functional experience to users with more relevant content and course recommendations
Atlantic Casualty uses tracking technology to: (a) determine if a certain page was visited or whether an email sent by Atlantic Casualty was opened or clicked on by a user and (b) to customize the experience of individual users by recommending specific content.
We also use clear gifs in HTML based emails sent to our users to track which emails are opened and clicked on by recipients. We may use the information we obtain from the cookie in the administration of the sites to improve the usability of the sites, for marketing purposes, to recognize your computer when you visit our sites, and to personalize our sites for you.
Cookies and information captured through our sites are stored for a certain retention period; however, you can eliminate these cookies any time before the expiration date. Most Web browsers accept cookies by default but allow a user to disable them. You may disable cookies by visiting your internet browser settings; however, this may affect how the site displays on your computer.
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 http://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:
- Google Chrome
- Mozilla Firefox
- Microsoft Internet Explorer
- Microsoft Edge
- Safari for iOS (iPhone and iPad)
- Chrome for Android
Or you can use the following cookie management and disposal tool from Google Analytics by downloading and installing the browser plug-in from the following link: http://tools.google.com/dlpage/gaoptout.
Please be aware that restricting cookies may impact the functionality of the Services. 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. (Back to Top)
To provide visitors with better service, each site may use analytics software to track usage activity of that site. The information collected is anonymous, aggregated data and does not contain personally identifiable information. If, at any time, you choose not to participate in the use of analytics software, please use your search engine’s (i.e., Google, Bing, Yahoo, etc.) available opt-outs for the web. In addition to basic analytics software, the sites may also use remarketing technologies, Google Display Network Impression Reporting, or Google Demographics and Interest Reporting from the data obtained through analytics software.
We use remarketing with our service providers to advertise online. Their services may come from sites such as Google, Bing, Yahoo, Facebook, Instagram, Twitter, Adroll, and any other display advertising partner (collectively the “Platform Advertisers”) to advertise on third-party websites to previous visitors to our site. These vendors may show our ads on websites across the internet.
We may collect information from other sources, such as social media platforms that may share information about how you interact with our social media content. We do not control how your personal information is collected, stored or used by such third-party websites or to whom it is disclosed. You should review the privacy policies and settings on any social media website that you subscribe to so that you understand the information they collect and may be sharing. If you do not want your social media websites to share information about you, then you must contact that website and determine whether it gives you the opportunity to opt-out of sharing such information. Atlantic Casualty is not responsible for how these third-party websites may use information collected from or about you.
For instance, information collected through Google Analytics is shared with Google and its partners who may combine it with other information you provided to them, or they collected from your use of their services. This information is stored in Google’s servers according to their privacy practices. (Back to Top)
HOW LONG WE RETAIN YOUR INFORMATION
In some circumstances we may anonymize (make anonymous) your personal information for research or statistical purposes, in which case, we may use this information indefinitely without further notice to you. This would mean that any personally identifiable information such as your name, address, date of birth, telephone number, etc., will be deleted after a defined period of time. The rest of the data is therefore anonymous and will be used to maintain a level of information that helps us develop and improve our sites and Services without any personally identifiable information. (Back to Top)
Please see our Accessibility Statement located here: Web Accessibility Statement (Back to Top)
CHILDREN’S ONLINE PRIVACY PROTECTION ACT (COPPA) COMPLIANCE AND RELATED INFORMATION
The Children’s Online Privacy and Protection Act (COPPA) regulates online collection of information from persons under the age of 13. It is our policy to refrain from knowingly collecting or maintaining personal information relating to any person under the age of 18. If you are under the age of 18, please do not supply any personal information through the sites. If you are under the age of 18 and have already provided personal information through the sites, please have your parent or guardian contact us immediately by using the information provided under CONTACT US so that we can remove such information from our files. (Back to Top)
We take reasonable measures, including administrative, technical, and physical safeguards, to protect your information from loss, theft, misuse, and unauthorized access, disclosure, alteration, and destruction. We hold information about you both at our own premises and with the assistance of third-party service providers. Further public disclosure here of our security measures could aid those who might attempt to circumvent those security measures. If you have additional questions regarding security, please feel free to contact us directly by using the information provided under CONTACT US. To ensure that our employees comply with our privacy policies, we have developed a training program that provides all employees with the tools and knowledge to protect your personal information in all aspects of their work. Any employee who violates our privacy policies may be subject to disciplinary action. (Back to Top)
The California Consumer Privacy Act (“CCPA”) permits residents of California to have the following additional rights. For more information, or if you have questions, you can contact us using the information provided under CONTACT US.
- California Residents Have The Right To Request That Atlantic Casualty Disclose What Information It Collects, Uses And Discloses About Them
California residents have the right to request that Atlantic Casualty disclose what personal information it collects, uses and discloses about them, the general purposes for which Atlantic Casualty collects, uses and discloses personal information, and the categories of entities that Atlantic Casualty receives personal information from or discloses personal information to, regarding California residents.
The general categories of personal information Atlantic Casualty collects about California residents are listed above under WHAT INFORMATION WE COLLECT. The general purposes for which Atlantic Casualty collects, uses and discloses personal information are listed under HOW WE USE YOUR INFORMATION. The categories of entities that Atlantic Casualty discloses personal information to are listed under the WHEN AND WITH WHOM DO WE SHARE YOUR INFORMATION.
If you are a California resident and would like to request the specific personal information that Atlantic Casualty collects, uses and discloses about you, please email us at firstname.lastname@example.org or call us at 877-225-5744 extension 6381 or you may click here and complete this form. You will be required to provide information for verification purposes; failure to do so could result in Atlantic Casualty’s inability to comply with your request.
If you wish to use our toll-free number or have any questions, please submit your inquiry regarding your Right to Request to Atlantic Casualty under CONTACT US.
- California Residents Have The Right To Request The Deletion Of Their Personal Information Maintained By Atlantic Casualty
California residents have the right to request that Atlantic Casualty delete the personal information Atlantic Casualty maintains about them. Please note that certain laws or other legal requirements may prevent personal information from being deleted. If you are a California resident and would like to request the deletion of your personal information, please email your request to email@example.com or you may click here and complete this form. You will be required to provide information for verification purposes; failure to do so could result in Atlantic Casualty’s inability to comply with your request. We may request that you provide your full name, physical address, date of birth, email address, policy number, claim number and loss date along with your request. We will use this additional information to identify you in our system, evaluate your request and to contact you with any related information as is required by law. However, we will not use this additional information for any other purposes.
If you wish to use our toll-free number or have any questions, please submit your inquiry regarding your Right to Delete to Atlantic Casualty under CONTACT US.
- California Residents Have The Right to Opt-Out of The Sale of Their Personal Information Maintained By Atlantic Casualty
Under the CCPA, California residents have the right to opt-out of the sale of their data. However, Atlantic Casualty does not sell your personal information; therefore, we do not provide you the ability to opt-out.
- 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.
- California Residents Can Designate An Authorized Agent To Make A Request Under The CCPA On Their Behalf
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. If you are an authorized agent of a California resident and would like to make a request under the CCPA, please email your request to firstname.lastname@example.org. (Back to Top)
If a business engages in the sale of personal information, Nevada law provides Nevada residents the ability to opt-out of the sale of their personal information. However, Atlantic Casualty has not and does not sell your personal information. (Back to Top)
Atlantic Casualty Insurance Company
Phone: 877-225-5744 extension 6381 (toll free)