INSHUR is subject to the investigatory and enforcement powers of the Federal Trade Commission (FTC).
THE INFORMATION WE COLLECT
Non-public personally identifiable information (“Information”) is information that identifies you and is not available to the general public. The following sections tell you more about how and when we collect your Information.
INFORMATION WE OBTAIN FROM YOU
During the quoting, application, or claims handling processes you may give us Information such as your:
— Phone number
— Email address
— Driver’s license number
— Professional license number
— Social security number
— Date of birth
— Vehicle details
Transportation Network Company (TNC) background data
If you gave us your email or mailing address, INSHUR may use it from time to time to notify you of such things as new services, special offers, or to confirm transactions. 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 INSHUR email you receive.
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 reporting agencies, which provide us with motor vehicle reports.
As permitted by law, we may also review your motor vehicle record and claims history with any renewal.
ACCESS AND CORRECTION OF PERSONAL INFORMATION
If you’d like to correct information that you provided to us, our representative will make the appropriate adjustments to INSHUR’s records. If you wish to correct personal information provided to INSHUR by a third party (such as a motor vehicle reporting agency) the representative will provide you with the applicable third party’s contact information. We will take reasonable steps to verify the accuracy of the personal information in our records.
THE INFORMATION WE DISCLOSE
Information about our customers or former customers will only be disclosed as permitted or required by law. Information about you that has been collected is maintained in your policy and/or claims records.
We use this Information to process and service your policy; to settle claims; with your consent; or as directed by you. We may also disclose it to persons or organizations as necessary to perform transactions you request or authorize. Information about our former customers and about individuals who have obtained quotes from us is safeguarded to the same extent as Information about our current policyholders.
The following are some examples of how we may disclose Information:
— We must exchange Information about you with underwriters, appraisers, attorneys, and other persons who are or will become involved in processing your application and servicing your policy or any claims you may make.
— When you are involved in a claim, policy information is provided to adjusters and the businesses that will repair your vehicle.
— We may share Information with persons or organizations that we have determined need the Information to perform a business, professional, or insurance function for us. These include businesses that help us with administrative functions. All of these entities are obligated to keep the Information that we provide to them confidential and to use the Information only for the purpose for which the Information was provided.
— Information may be provided to organizations conducting actuarial research or audits. In this case, you will not be individually identified in any research report. The organization must agree not to redisclose the Information and the Information will be returned to us or destroyed when it is no longer needed.
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 your insurance company as needed for claims and underwriting purposes
— 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 if ordered by a subpoena, search warrant or other court order
— with a third party loss control partner
CONFIDENTIALITY AND SECURITY
We restrict access to your Information to employees who we have determined need it in order to provide products or services to you. We train our employees to safeguard customer information. We maintain strict physical, electronic, and procedural safeguards to protect your Information from unauthorized access by third parties.
INSHUR complies with the EU-U.S. Privacy Shield Framework as set forth by the U.S. Department of Commerce regarding the collection, use, and retention of personal information transferred from the European Union to the United States.
INSHUR commits to cooperate with EU data protection authorities (DPAs) and comply with the advice given by such authorities with regard to human resources data transferred from the EU in the context of the employment relationship.
In cases of onward transfer to third parties of Personal Data received pursuant to the EU-U.S. Privacy Shield, Inshur is potentially liable.
ADDITIONAL INFORMATION FOR OUR INTERNET USERS
We continuously improve INSHUR.com. We are interested in how visitors use our website, what they like and dislike, and where they have problems. We may gather data on how users navigate our site so we can make INSHUR.com an easy place to do business. Our tools may gather data such as what browser a person uses or even what pages are most popular.
WHAT TO DO IF YOU HAVE PRIVACY OR SECURITY CONCERNS
In compliance with the Privacy Shield Principles, INSHUR commits to resolve complaints about our collection or use of your personal information. If you have a concern about privacy or security at INSHUR, we want to hear about it by mail or email. There is also the possibility, under certain conditions, for you to invoke binding arbitration.
Please write to us at:
315 W36TH Street
New York, NY 10018
or email us at [email protected].
EU individuals with inquiries or complaints regarding our Privacy Shield policy should first contact INSHUR at:
BN1 4DU, UK
or email us at [email protected].
INSHUR has further committed to cooperate with the panel established by the EU data protection authorities (DPAs) with regard to unresolved Privacy Shield complaints concerning data transferred from the EU.