Privacy Policy - Personal & Business Insurance

Crest Insurance Privacy Policy

PURPOSE

This Privacy Policy applies to the information Crest Insurance Group (“Crest”) collects, including through its website or other online services (“Site”). This Privacy Policy describes our information collection practices, such as the types of information we collect, how we may use that information, and for what purposes. By using this Site, you consent to this Privacy Policy.

Information relating specifically to the California Consumer Privacy Act of 2018 (CCPA) can be found at www.crestins.com/ccpa/ .

PURPOSE

Collection of Personal Information

Crest may collect and disclose non-public information from you and from persons other than the individual(s) proposed for coverage, including, but not limited to, personal information and personal financial information about you and other individuals proposed for coverage as outlined in the chart below (“Personal Information”). Personal Information does not include information that is publicly available from government sources or information that is deidentified or aggregated.

Types and Categories of Personal Information	Collect	Sell	Disclose
(1) Identifiers, including name(s), postal and/or email address(es), telephone number(s), Social Security Number(s), financial information, driver’s license number(s), and date(s) of birth	Yes	No	Yes
(2) Protected classification characteristics, including age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information).	Yes	No	Yes
(3) Commercial information, including records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies	Yes	No	Yes
(4) Biometric information, including genetic, physiological, behavioral, and biological characteristics, or activity patterns used to extract a template or other identifier or identifying information, such as, fingerprints, faceprints, and voiceprints, iris or retina scans, keystroke, gait, or other physical patterns, and sleep, health, or exercise data.	No	No	No
(5) Internet or other similar network activity, including browsing history, search history, information on a consumer’s interaction with a website, application, or advertisement, the type of device you are using, your IP address, the pages you visit while navigating the Site, and how long you visit certain pages.	Yes	No	Yes
(6) Geolocation data, including physical location or movements.	No	No	No
(7) Sensory data, including audio, electronic, visual, thermal, olfactory, or similar information.	Yes	No	Yes
(8) Professional or employment-related information, including current or past job history or performance evaluations.	Yes	No	Yes
(9) Non-public education information (per the Family Educational Rights and Privacy Act (20 U.S.C. Section 1232g, 34 C.F.R. Part 99)), including education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records.	No	No	No
(10) Inferences drawn from other personal information, including profile reflecting a person’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.	No	No	No

The Personal Information we may collect about you may come from the following types of sources and/or investigative techniques:

Person(s), including you, when you:
1. request a quote;
2. apply for insurance coverage in the process of completing an insurance application;
3. through applications or other forms and records received by us (for example, we may ask you to provide Personal Information to us when you enroll for insurance coverage and when you purchase an insurance policy through us);
4. transact insurance business with us or our affiliates (for example, we may ask you to provide Personal Information to us when you conduct insurance business with us or our affiliates through postal mail, telephonically, electronically or by other means);
5. provide claims information in the event of an insurance claim; and/or
6. interact with us on social media platforms such as Facebook and Twitter.
Consumer reporting agencies.
Through your use of the Site.

Use of Personal Information

Crest does not sell your Personal Information. Crest may use your Personal Information for a variety of purposes related to our business operations, including, but not limited to:

Fulfill the reason you provided the Personal Information.
Provide you with support and respond to inquiries.
Underwrite, sell, solicit, and negotiate insurance products and services.
Contact you regarding your account, your orders, upcoming and/or failed payments, renewals and endorsements, or for any other important reason.
Provide you with a requested quote or offer goods and services of a third party vendor.
Determine eligibility and process applications for products and services.
Inform you with products and services we may offer.
Communicate, create, service, secure and bill accounts or clients.
Obtain and update insurance or credit information with appropriate third parties, such as credit reporting agencies.
Monitor and administer accounts and the services thereto.
Process requests, purchases, transactions and payments and prevent transactional fraud.
Fulfill contractual obligations.
Comply with or satisfy a legal or regulatory requirement.
Fulfill or meet any other reasons you provided the information.
Fulfill any additional commercial purposes, with your consent as required by law.
Provide, support, personalize and develop our Site, products and services.
Enhance or improve the Site or the services we offer to you.
Help maintain the safety, security and integrity of our Site, products and services, databases and other technology assets, and business.

Sharing of Personal Information

We may share your Personal Information described above for with the following categories or types of affiliates and non-affiliated third-parties for permitted purposes:

Insurance companies;
Our affiliates;
Other insurance institutions and insurance industry support organizations, including reinsurers and insurance support organizations that detect and prevent fraud (Personal Information obtained from a report prepared by an insurance support organization may be retained by the insurance support organization and may be disclosed to other persons);
Medical care institutions, medical professionals and/or or healthcare service providers (in order to verify coverage or conduct operations or services audits);
Government agencies, including law enforcement, insurance regulatory authorities and/or other governmental or law enforcement authorities;
Any third-party upon you or your agent’s written authorization or as permitted or required by law;
In response to a valid administrative or court order, including a search warrant or subpoena;
To a group policyholder (for the purpose of reporting claims experience or conducting an audit of our operations or services);
Service providers;
Data aggregators and analytics providers; and/or
A suitor pursuant to a potential business transfer

Your Privacy Rights

You have the right to request and gain access to your own Personal Information collected and recorded by us and to receive information on how we have used your Personal Information. Pursuant to these rights, you may submit a written request to us for access to your recorded Personal Information. The written request must reasonably describe the Personal Information sought and that we can reasonably locate and retrieve. We reserve the right to charge a reasonable fee to cover the costs incurred in providing a copy of your recorded Personal Information to you.

You also have the right to correct or supplement your Personal Information that you believe is inaccurate. Pursuant to these rights, you may submit a written request to us to correct, amend or delete any recorded Personal Information about you that is within our possession.

Please be advised that your rights may be subject to various exceptions and limitations, including information that is deemed legally privileged, relates to your own insurance claim or a civil or criminal proceeding, or is required to be maintained for legal, regulatory or business purposes.

You have the additional right under certain state laws to opt out of the disclosure of your non-public personal financial information to non-affiliated third parties by calling us at 1-888-881-5765 or emailing us at info@crestins.com within thirty (30) days from the date of this notice.

COOKIES

We use “cookies” on this Site. A “cookie” is a piece of information stored on a Site visitor’s hard drive to help us improve your access to our Site and identify repeat visitors. Cookies enable us to track and target the interests of our users to enhance their experience on our Site. We may utilize a short-lived form of cookie when you visit this site. We may use cookie technology during a session as a tool to carry forward your input information during the enrollment process.

It is possible to switch off cookies by setting your browser preferences. Turning cookies off may result in a loss of functionality when using our Site. You can find more information about cookies and how they work at AllAboutCookies.org (we are not responsible for the content on the preceding website).

SECURITY

We employ commercially reasonable security methods and technologies to help secure the Personal Information we collect and store, and to protect this information from loss, misuse and unauthorized access, disclosure, alteration and destruction. This may include authorizing non-affiliated third parties to provide security and technologies to protect and secure Personal Information. We cannot, however, fully eliminate security risks associated with the storage and transmission of Personal Information

LINKS TO OTHER SITES

We may offer links to other websites that are not controlled or operated by us. If you visit one of these linked websites, you should review their privacy and other policies. We are not responsible for the content of third-party websites, nor are we responsible for the policies and practices of others. Our Privacy Policy only applies to information we collect from you while you are at our Site.

CHANGES TO THIS PRIVACY POLICY

We reserve the right to change this Privacy Policy from time to time without providing you with advanced written notice of our intent to make changes. We will provide notice of material changes to the Privacy Policy by posting the changed or modified Privacy Policy on our Site. Any changes will be effective immediately upon the posting of the revised Privacy Policy unless otherwise specified and your continued use of the Site after the effective date of the revised Privacy Policy (or such other act as specified in the revised Privacy Policy) will constitute your consent to those changes.

CONTACT US

If you have any questions about the Privacy Policy or our privacy practices, please contact us at:

888-881-5765

info@crestins.com