Last Updated: December 23, 2020
Scope and Application
Collection of Information
Information You Provide to Us
We collect information you provide directly to us, such as when you request a quote; apply for, purchase or modify coverage; create or modify your account; sign up for our newsletter or request information from us; contact customer support; respond to a survey; or otherwise communicate with us. This information may include your name, e-mail address, phone number, postal address, payment information and financial account numbers, business information, claims filed previously, survey responses, and other information you choose to provide to us.
Information We Collect through Your Use of our Online Services
Important Information about Mobile Platform Permissions
Information We Collect from Other Sources
We may also receive information from other sources and combine it with information we collect through from you. For example, we may get information from other companies or third parties, such as when you sync a third party account or service with our online services, or when we may use service providers to supplement the Personal Information you give us (e.g., validate your mailing address) to help us maintain the accuracy of your data, and provide you with better service. We may also obtain information about you from commercially available sources such as data aggregators and public databases. This information may include your name, demographic information, interests and publicly-observed data (such as from social media and shopping behavior), credit information, and information about your business.
Use of Information
In addition to the purposes identified above, any information we collect may also be used for analytics purposes (e.g., evaluating website usage patterns and advertisement interactions) so that we can gauge the effectiveness of our programs and advertisements, and improve the usefulness of information presented to visitors.
Sharing of Information
Information Shared by Us
- Partners – We may also provide information we collected about you to companies or third parties (such as payroll or HR companies) that referred you to us. The reason we share your information is for everyday business purposes, including : processing your transactions, maintaining your accounts, and facilitating services, such as billing that you requested through our online services.
- Service Providers – In the course of doing business, we employ other companies and individuals to perform a variety of functions on our behalf. For example, we may provide the information we collect from and about you (and your device) to companies that host our online services or send communications on our behalf. These service providers may have access to information about you if it is needed to perform their functions for us, but they are not authorized by us to use or disclose the information except as necessary to perform services on our behalf or to comply with legal requirements, and they are required to maintain the information in confidence.
- Insurers/Underwriters – We will share the information we collect from and about you (and your device) with insurers/underwriters as necessary to provide you with the insurance product or service you requested through our online services.
- Promotions – We will share the information we collect from and about you (and your device) with third parties as necessary to provide you with a product or service you requested through a partnership or promotional offering made by a third party or us.
- Legally Required – We reserve the right to disclose information we collect from and about you (and your device) if required to do so by law or by a regulatory authority. We may also disclose your information as part of an investigation or enforcement action relating to improper or illegal conduct in connection with our online services or other products, including, without limitation, any situations that may potentially involve threats to the safety or privacy of any person or misuse of our online services.
Aggregated and Non-Identified Data
Analytics and Advertising Services Provided by Others
Statement on Cookies and Similar Technologies
Overview of Cookies and Similar Technologies
“Cookies” are small text files that are stored on your browser or device by websites, apps, online media and advertisements. There are different types of cookies. Cookies served by the entity that operates the website or app you are visiting or using are called “first party cookies” (so cookies served by AP Intego while you are using our online services are first party cookies). Cookies served by companies that are not operating the website or app you are visiting or using are called “third party cookies” (so, we may allow an analytics partner to set a cookie on your computer via our online services while you visit our online services, and that would be a third party cookie). Cookies may also endure for different periods of time. “Session cookies” only last only as long as your browser or app is open. These are deleted automatically once you close your browser or app. Other cookies are “persistent cookies” meaning that they survive after your browser or app is closed (for example, they may recognize your computer when you re-open our online services).
“Pixel tags” (also called web beacons, clear GIFs or action tags) are small blocks of code installed on (or called by) a web page, app or advertisement which can retrieve certain information about your device and browser, including device type, operating system, browser type and version, website visited, time of visit, referring website, IP address, and other similar information (including the small text file (the cookie) that uniquely identifies the device). Pixel tags can also be used to monitor the way in which visitors interact with websites, electronic communications and the content thereon/in. Pixels also provide the means by which third-party partners set and read browser cookies from a domain that they do not themselves operate and collect information about visitors to that domain, typically with the permission of the domain owner. “Software Development Kits” (also called SDKs) function like pixels and cookies, but operate in the mobile app context where pixels and cookies cannot always function. The primary app developer can install pieces of code (the SDK) from partners in the app, and thereby allow the partner to collect certain information about user interaction with the app and information about the user device and network information.
“Local storage” refers generally to other places on a browser or device where information can be stored by websites, ads, or third parties (such as HTML5 local storage and browser cache).
“Log file information” (also called “server logs”) refers to information that is automatically reported by your browser each time you access a website, including your web request, IP address, browser type, referring/exit pages and URLs, number of clicks, domain names, landing pages, pages viewed, language and other such information.
Types and Purposes of Cookies and Similar Technologies
These cookies and similar technologies receive and track certain data about your device (such as your device type, operating system, device IP address, mobile network carrier, and anonymous device and advertising identifiers) and interaction with our online services, communications and advertisements (such as access dates and times, features or pages viewed, advertisements and ad features viewed, and approximate location based on your IP address). The following table sets out the different categories of cookies and similar technologies that our online services, electronic communication, and advertisements use and why we use them.
|Operationally Necessary||These cookies and similar technologies are necessary to the operation of our online services. This includes technologies that (i) allow you access to our online services, (ii) are required to identify irregular online service behavior, prevent fraudulent activity and improve security, or (iii) that allow you to make use of our functions.|
|Functionality||These first- and third-party cookies and similar technologies allow us to offer you enhanced functionality when accessing or using our online services. This may include identifying you when you sign into our services or keeping track of your specified preferences, interests, or past items viewed or utilized so that we may enhance the presentation of content on our online services.|
|Performance, Analytics and Research||These first- and third-party cookies and similar technologies allow us to assess, improve and research the performance and use of our online services, and to better understand the interests of people who interact with our online services and ads. This includes our analytics activities that help us understand how our visitors use our online services, determine if you have interacted with our communications and ads, determine whether you have viewed an item or link, or to improve our online services content.|
|Advertising||These first- and third-party cookies and similar technologies are used to deliver ads, and track ad campaign performance and efficiency. Similarly, our partners may use a cookie or other technology to determine whether we have served an ad and how it performed, or to provide us with information about how you interact with them.|
These cookies and similar technologies are necessary to the operation of our online services. This includes technologies that (i) allow you access to our online services, (ii) are required to identify irregular online service behavior, prevent fraudulent activity and improve security, or (iii) that allow you to make use of our functions.
These first- and third-party cookies and similar technologies allow us to offer you enhanced functionality when accessing or using our online services. This may include identifying you when you sign into our services or keeping track of your specified preferences, interests, or past items viewed or utilized so that we may enhance the presentation of content on our online services.
Performance, Analytics and Research
These first- and third-party cookies and similar technologies allow us to assess, improve and research the performance and use of our online services, and to better understand the interests of people who interact with our online services and ads. This includes our analytics activities that help us understand how our visitors use our online services, determine if you have interacted with our communications and ads, determine whether you have viewed an item or link, or to improve our online services content.
These first- and third-party cookies and similar technologies are used to deliver ads, and track ad campaign performance and efficiency. Similarly, our partners may use a cookie or other technology to determine whether we have served an ad and how it performed, or to provide us with information about how you interact with them.
Your Cookie Choices
Most web browsers are set to accept cookies by default. However, in addition to the specific opt-out mechanisms described above, you can typically choose to set your browser to remove or reject browser cookies. To do so, please follow the instructions provided by your browser which are usually located within the “Help” or “Preferences” menu. Removing or rejecting browser cookies does not necessarily affect third-party Flash cookies (see “local storage” above) which may be used by us or our partners in connection with our online services. To delete or disable Flash cookies, please visit this site for more information.
If you would like to prohibit us and our approved partners from using cookies and other identification technologies on our mobile applications for purposes of serving interest-based advertisements and targeting, please follow these steps:
- iOS Users: (1) Launch “Settings”; (2) Tap on “Privacy” and scroll down and tap on “Advertising”; (3) Toggle on “Limit Ad Tracking”. You can also reset your Advertising Identifier from here by tapping “Reset Advertising Identifier”.
- Android Users: (1) Open your app drawer and launch the Google Setting app; (2) Tap “Ads” under Services and enable the “Opt out of interest-based ads” option. You can also reset your advertising ID from here by tapping “Reset advertising ID”.
For further information about cookies and similar technologies, including how to see what cookies have been set on your device and how to manage and delete them, you can visit www.allaboutcookies.org.
Web Browser Do Not Track (DNT) Headers
Some web browsers may transmit “do-not-track” signals to websites with which the browser communicates. Our online services do not currently respond to these “do-not-track” signals.
AP Intego and our third party providers use physical, technical and administrative security measures, consistent with industry practice. Such measures are reasonably designed to protect information we collect from and about you (and your device) from loss, unauthorized access, disclosure, alteration or destruction. We may use encryption, password protection, secure socket layers, internal restrictions and other security measures to help prevent unauthorized access to the information we collect from and about you. However, any information you provide to us is at your own risk. We cannot guarantee that such information will not be lost, accessed without authorization, disclosed, altered, or destroyed.
Our online services are not intended for or designed to attract children under the age of 13. Moreover, we do not knowingly collect any personally-identifiable information from anyone under the age of 18 without the consent of a parent or guardian, and you must be 18 years of age or older to submit any information to us.
We are committed to respecting your right to access and correct your information. You can contact us using the information provided in the Contact Us section and we will be happy to assist you with your request.
You may also “opt-out” of receiving marketing e-mails and other marketing communications from us by using the unsubscribe feature included in the e-mails we send.
Please refer to our Statement on Cookies and Similar Technologies for more information about your choices regarding cookies and similar technologies.
Arizona Residents Only
If you submit a written request to access your personal information recorded by us, we will (1) respond within 30 business days informing you of the nature and substance of your recorded personal information (if any); (2) permit you to copy such recorded personal information in person or have a copy mailed to you (subject to a reasonable fee); (3) disclose the identity of any recorded third parties to whom we have disclosed your personal information to within the last 2 years; and (4) provide instructions on how you may request correction, amendment, or deletion of your recorded personal information.
If you request correction, amendment, or deletion of your recorded personal information, we will (1) correct, amend, or delete the portion of your recorded personal information in dispute within 30 business days and notify you (and any applicable third parties) of such correction, amendment, or deletion; or (2) if we refuse to make the requested correction, amendment, or deletion, notify you within 30 business days of the reason(s) for such refusal and your right to file a concise statement describing what you think is the correct information and the reasons why you disagree with our refusal. If you file such a statement, we will either honor your request (if we agree with you) or provide notice to any third parties that review your disputed personal information of your statement.
Notice to California Residents
California residents have the privacy rights listed below. The rights granted under the California Consumer Privacy Act (“CCPA”) and Shine the Light are not the same. To exercise your rights, you will need to follow the directions that are specific to each law.
California Consumer Privacy Act
The CCPA requires that we make certain disclosures about our general collection, use, and disclosure of personal information over the past 12 months. Accordingly, in the past 12 months:
- We have collected the following categories of personal information: your direct identifiers, professional and employment-related information, commercial information, and internet and other electronic network activity information. From this information we also may draw inferences that reflect your preferences. Examples of types of personal information, the sources of this information, and the purposes for which we have collected it are detailed in the “Collection of Information” and “Use of Information” sections above.
- We did not sell any personal information.
- We disclosed the following categories of personal information to the categories of entities described in “Sharing of Information”: your direct identifiers, professional and employment-related information, commercial information, internet and other electronic network activity information, and inferences we have made about you.
With some exception, you have the right to make the following requests with respect to the personal information we maintain about you:
- Request to know: You have the right to request to know: (i) the specific pieces of personal information we have collected about you; (ii) the categories of personal information we have collected about you in the past 12 months; (iii) the categories of sources from which that personal information was collected; (iv) the categories of your personal information that we have sold or disclosed in the past 12 months; (v) the categories of third parties to whom your personal information was sold or disclosed in the past 12 months; and (iv) the purposes for collecting and selling your personal information. You may exercise your right to request to know twice a year, free of charge.
- Request to delete: You have the right to request that we delete the personal information we have collected from you. We may deny your request under certain circumstances, such as if we need to comply with our legal obligations or complete a transaction for which your personal information was collected. If we deny your request to delete, we will let you know why.
- Request to opt out of sale: You have the right to request that we not sell your personal information. At this time, we do not sell personal information, as we understand this term based on the CCPA and its implementing regulations.
- Right to non-discrimination: If you exercise any of these rights, we will not discriminate against you in any way. If you exercise certain rights, understand that you may be unable to use or access certain features and services.
To make a request to know or a request to delete, contact us at firstname.lastname@example.org.
We will take steps to verify your identity before processing your request to know or request to delete. We will not fulfill your request unless you have provided sufficient information for us to reasonably verify you are the individual about whom we collected personal information. If you have an account with us, we will use our existing account authentication practices to verify your identity. If you do not have an account with us, we may request additional information about you so that we can verify your identity.
You may use an authorized agent to submit a request to know or a request to delete. When we verify your agent’s request, we may verify both your and your agent’s identity and request a signed document from you that authorizes your agent to make the request on your behalf. To protect your personal information, we reserve the right to deny a request from an agent that does not submit proof that they have been authorized by you to act on your behalf.
Shine the Light
California residents may also request information from us once per calendar year about any personal information shared with third parties for their own direct marketing purposes, including the categories of information and the names and addresses of those businesses with which we have shared such information. To request this information, please contact us at email@example.com. Your inquiry must specify “California Privacy Rights Request” in the subject line of the email, and you must include your name, street address, city, state, and ZIP code.