Privacy Notice - Central Insurance

Central Mutual Insurance Company and its subsidiaries and affiliates (collectively, “Central,” “we,” “our,” or “us”) respect the privacy of your information. This Privacy Policy is designed to assist you in understanding how we collect, use and safeguard the information you provide to us in using our website, portal, and the mobile application we offer (collectively, the “Site”) and the services provided through our Site (collectively, “Services”).

If you have a financial product or service with us, we will use and share your information in accordance with our Privacy Notice, which offers you certain choices with respect to the use and sharing of your personal information.

From time to time, we may change this Privacy Policy. If we do, we will post an amended version on this webpage. Please review this Privacy Policy periodically.

This Privacy Policy covers the following topics:

Collecting and Using Information

We collect Personally Identifiable Information from you through your use of the Site and Services. “Personally Identifiable Information” is individually identifiable information about an individual consumer that we collect online and that we maintain in an accessible form. We collect the following types of Personally Identifiable Information:

Information You Provide
We may collect the following Personally Identifiable Information that you voluntarily provide to us:

Create an Account. To create an account, you will provide us with your policy number, physical address, email address, and name. You will create a user ID and password for future logins. You will also be asked to select security questions and answers.
Make a Payment. To make a payment, you will provide your zip code and policy or account number. You will provide your credit card information. We use One Inc. to process payments. One Inc.’s Privacy Policy is available here.
Subscribe to Blog. To subscribe to our blog, you will provide us with your email address.
Find an Agent. To find an agent, you will provide us with your physical address, city, and zip code.
Process Claims. We gather different types of Personally Identifiable Information depending on the nature of your insurance transaction. For example, for auto insurance claims we obtain your motor vehicle information and history. We may also collect your medical or financial information to adjust certain types of claims.
Careers. To apply for a job, you will create an account. To create a career account, you will provide your name and email address, and you will create a password for future logins. To apply for a job, you will provide us with your phone number, physical address, education history, employment history, voluntary equal employment opportunity information, and any other information you choose to provide in a resume/CV.

Information as You Navigate Our Site
We automatically collect certain Personally Identifiable Information through your use of the Site and Services, such as the following:

Usage Information. For example, pages on the Site you access, the frequency of access, and what you click on while on the Site.
Device Information. For example, hardware model, operating system, application version number, and browser.
Mobile Device Information. Aggregated information about whether the Site is accessed via a mobile device or tablet, the device type, and the carrier.
Location Information. Location information from Site visitors on a city-regional basis.

Third Party Information
In some cases, we may receive certain Personally Identifiable Information from you about a third party. For example, agents may provide information to us about an insured or prospective insured. If you submit any Personally Identifiable Information about another individual to us, you are responsible for making sure that you have the authority to do so and to allow us to use their Personally Identifiable Information in accordance with this Privacy Policy.

How We Use Your Personally Identifiable Information

We use the Personally Identifiable Information we collect to provide the Services to you, to improve our Services and Site, and to protect our legal rights. In addition, we may use the Personally Identifiable Information we collect to:

Process your account registration;
Evaluate your request for insurance coverage and determine your rates;
Issue and service insurance policies and settle claims;
Process your payment;
Review your job application;
Email you our blog posts;
Contact you regarding our products and services that we feel may be of interest to you;
Communicate with you about our Site or Services or to inform you of any changes to our Site or Services;
Provide support;
Maintain and improve our Site and Services;
Defend our legal rights and the rights of others;
Efficiently maintain our business; and
Comply with applicable law.

How We Share Your Personally Identifiable Information

We may share the information that we collect about you in the following ways:

With our affiliates;
With your independent agent or broker;
With businesses that conduct scientific research, including actuarial or underwriting studies;
With independent claims adjusters, appraisers, investigators, medical professionals, and attorneys who need the information to investigate, defend, or settle a claim involving you;
With service providers who perform data or Site-related services on our behalf (e.g., email, hosting, maintenance, backup, analysis, etc.). Any such service providers will be under an obligation to us to maintain the confidentiality of your Personally Identifiable Information;
To consumer reporting agencies as reasonably necessary in connection with any application, policy, or claim involving you;
With insurance support organizations which are established to collect information for the purpose of detecting and preventing insurance crimes or fraudulent claims;
With insurance regulatory agencies in connection with the regulation of our business;
With certificate holders or policyholders for the purpose of providing information regarding the status of an insurance transaction;
With a lienholder, mortgagee, lessor, or other person shown on our records as having a legal or beneficial interest in your policy;
To service providers to prepare, deploy and analyze advertising content;
To the extent that we are required to do so by law;
In connection with any legal proceedings or prospective legal proceedings;
To establish, exercise, or defend our legal rights, including providing information to others for the purposes of fraud prevention;
To any person who we reasonably believe may apply to a court or other competent authority for disclosure of that Personally Identifiable Information where, in our reasonable opinion, such court or authority would be reasonably likely to order disclosure of that Personally Identifiable Information;
To any other person or entity as part of any business or asset sale, equity transaction, merger, acquisition or in preparation for any of these events; and
To any other person or entity where you consent to the disclosure.

Cookies and Other Tracking Technologies

Like many other companies, we use cookies and other tracking technologies (such as pixels and web beacons) on our site. Cookies and other similar technologies are important to the proper functioning of a site and to provide visitors with a seamless and customized experience. This information might be about you, your preferences or your device and is mostly used to make the site work as you expect it to. The information does not usually directly identify you, but it can give you a more personalized web experience.

Because we respect your right to privacy, you can choose not to allow some types of cookies. To change your cookie settings, please click the cookie icon button in the bottom left of you screen to open the Cookie Preference Center.

Third Party Processors

To ensure that your Personally Identifiable Information receives an adequate level of protection, we have put in place appropriate procedures with the service providers we share it with to ensure that it is treated consistent with applicable data security and privacy laws. For example, we use cloud storage and payment processing service providers.

"Do Not Track" Signals

Some internet browsers incorporate a “Do Not Track” feature that signals to websites you visit that you do not want to have your online activity tracked. Given that there is not a uniform way that browsers communicate the “Do Not Track” signal, the Site does not currently interpret, respond to or alter its practices when it receives “Do Not Track” signals.

Choices About Your Personally Identifiable Information

Review and Request Changes to Your Personally Identifiable Information

To review or request changes to any of your Personally Identifiable Information, please contact us at privacycoordinator@central-insurance.com.

Marketing Communications

To unsubscribe from our marketing emails, please click the unsubscribe link included in the footer of our emails. You also may submit a request to us at privacycoordinator@central-insurance.com.

Security

We maintain commercially reasonable security measures to protect the Personally Identifiable Information we collect and store from loss, misuse, destruction, or unauthorized access. However, no security measure or modality of data transmission over the Internet is 100% secure. Although we strive to use commercially acceptable means to protect your Personally Identifiable Information, we cannot guarantee absolute security.

Third Party Links

The Site may contain links that will let you leave the Site and access another website. Linked websites are not under our control. This Privacy Policy applies solely to Personally Identifiable Information that is acquired by us on this Site. We accept no responsibility or liability for these other websites.

Children's Privacy

The Site and Services are not intended for children under 13 years of age. We do not knowingly collect, use, or disclose personal information from children under 13.

How to Contact Us

To contact us for questions or concerns about our privacy policies or practices please email us at privacycoordinator@central-insurance.com: