Spectrum Insurance Group
Spectrum Insurance Group ("we"/"our"/"our company") take your ("you"/"your"/"your company") privacy seriously. Because we value our customer relationships, we do not sell customer information. We will only share your information for the purposes of providing services which you have engaged us to perform on your behalf, such as placing your insurance, and/or providing you with insurance related and /or services, as applicable, and as otherwise permitted or required by law.
Information We Collect
We know how important your privacy is to you and we appreciate you trusting us to handle your Confidential Information responsibly and with integrity. We collect Confidential Information about you as required by insurance companies, including, but not limited to the following:
- Information we receive from you on applications or required questionnaires, such as your occupation, current employer and Social Security and driver's license numbers:
- Information about your transactions with us, our affiliates, or previous insurers, such as your policy coverage, claim information, premiums and payment history:
- Information we receive from a consumer-reporting agency, obtained for the purpose of ascertaining credit histories. These reports are obtained as underwriting tools to determine bill-paying habits and creditworthiness. These reports are not subject to race, gender or income. Motor vehicle reports may also be requested to disclose driving history.
We may capture click streams to help us learn what parts of our website are most popular and among which audiences. We may also use them to help us optimize our user interface, to analyze site usage statistically, to improve content, and to customize our website's content and layout. In short, we use this information to allow us to tailor our website and to meet your needs better. We analyze click stream data to track trends and behaviors, not individual's. We are interested in our audience size, return visit rate, and similar data on an aggregate basis. We also capture date and time information of visits, pages visited, and the time you spend with us.
Do Not Track Signals
We honor your web browser's Do Not Track Signal.
Information We Share
We do not use, disclose, sell or transfer any Confidential Information without consent unless required or permitted by law or regulation. In cases of permitted disclosure, we will disclose information in compliance with applicable laws and regulations and will require the recipient to protect the information and use it only for the purpose provided. For example, we may disclose your Confidential Information in order to market your insurance coverage directly with insurers and providers. We may also disclose your Confidential Information we collect, as described above, to companies that perform marketing services on our behalf or to other insurers or providers with whom we have joint marketing agreements. Additionally, we may disclose your Confidential Information in the event of reorganization, merger, or sale.
Links to Other Sites
We may provide links to other websites not owned or controlled by us that we think might be useful or of interest to you. We are not, however, responsible for the privacy practices used by other website owners or the content or accuracy contained on those other websites. Links to otherwebsites do not constitute or imply endorsement by us for those websites, any products or services described on thosewebsites or any other material contained in them. Contact those websites directly for their individual privacy policies.
Last modified on March 31, 2015