Protecting your privacy is very important to us. XINSURANCE.COM ”XINSURANCE.COM“ and its affiliates recognize the privacy concerns of our customers and potential customers who visit our web site and/or mobile application (”app“). We want you to be aware that we collect information through our web site/app for our internal use. We intend to use information collected only in the normal course of our business and as permitted by law. No personal information is required when you visit our web site/app, however, certain information is collected in order to help us provide the products and services we offer.
We may collect non-public personal information about you from any or all of the following sources:
- Applications or other forms received from you;
- Insurance transactions your conduct with us or our affiliates;
- Claims information provided in the event of a claim; and
- Consumer reporting agencies.
The personal information that we obtain from you might be your name, address, phone number, email address, social security number, drivers license number, date of birth.
We do not disclose any non-public personal information we gather about our customers or former customers to anyone, except as permitted by law. We may disclose non-public personal information about you to related or third-party brokers and/or agents, to premium financial service companies, and to third-party companies who perform marketing services for us. We restrict access to your non-public personal information to those employees who need to know that information in order to provide products or services to you. We maintain physical and procedural safeguards to guard your non-public personal information. We may use your personal information for several purposes, such as monitoring the use of our web site/app so that we can make improvements; diagnosing and solving technical problems; fulfilling customer requests for certain products and services; and sending material of interest (if you have so requested). Sometimes we must collect medical information in conjunction with a claim. We do not use or share your medical information for any marketing purpose, unless we receive your permission.
We may also share your Information for other permitted purposes, including: with another insurance company if you are involved in an accident with their insured, with our reinsurers, with insurance-support organizations that detect and prevent fraud, with medical professionals or institutions in order to verify coverage or conduct operations or services audits, with state insurance departments or other governmental or law enforcement authorities if required by law or to protect our legal interests or in cases of suspected fraud or illegal activities, and/or if ordered by a subpoena, search warrant or other court order.
We may store a cookie on your computer when you visit our web site/app. A cookie is a piece of information that is required to create and maintain a secure session. With a cookie, each time your browser requests a page from the server, a message is sent to us. A cookie’s main objective is to identify users and personalize their visit by customizing web pages for them–for example, by welcoming them by name the next time they visit the same site. A site using cookies may invite you to provide personal information, such as your name, e-mail address and interests. Our cookies do not contain confidential or personal information.
We may keep the e-mails you send to us. If you agree to receive e-mail messages from us, we will keep the information you give us to send e-mail of specific interest to you. Please be careful about the information you give us in e-mail. As with any public web site, this communication may not be secure. 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 email you receive from us.
We may provide links to other web sites/apps in our web sites/apps. We are not responsible for the collection, use, or security of information by the companies or organizations outside of our site. Please read the privacy policies of those web sites/apps reached through the use of links from our site.
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 our 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 us, 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 for Mobile Apps
Your current location is only determined if you choose to use a function on our applications to determine your current location. If you allow your location to be obtained using our application, 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. We do not automatically track your location when you use our apps.
Access 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 access and correct the personal information that we have collected from or about you. To do so, simply contact our customer service department. If you’d like to correct information that you provided to us, our representative will make the appropriate adjustments to our records. If you wish to correct personal information provided to us 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.