Title V of the Gramm-Leach-Bliley Act (GLBA) generally prohibits any financial institution, directly or through its affiliates, from sharing nonpublic personal information about you with a nonaffiliated third party, unless the institution provides you with a notice of its privacy policies and practices, such as the type of information that it collects about you and the categories of persons or entities to whom it may be disclosed. In compliance with GLBA, we are providing you with this document, which notifies you of the privacy policies and practices of TR Insurance Group, Inc.
The GLBA further requires that we inform you that you have a right to prevent us from sharing nonpublic personal information about you with a nonaffiliated third party for any purpose that is not specifically authorized by law. Your right to prevent us from sharing nonpublic personal information about you with a nonaffiliated third party for a purpose that is not specifically authorized by law is called your right to “opt out” of such information sharing.
At TR Insurance Group, Inc. we are committed to providing you the best service while earning your trust and protecting the privacy of your information. We understand and respect the fact that you may wish to keep your personal information confidential. The following is our policy on how we handle your information.
We collect nonpublic personal financial information about you from the following sources:
Information from applications
This is information you give us on applications and other forms, by phone or online. This information includes your name, address, telephone number, drivers license number, Social Security number, date of birth, length of employment, gender, marital status, prior insurance information, status of home ownership, length of residency, vehicle description, miles driven, and vehicle use/driving history that we receive from you on applications or other forms.
Information about transactions
This is information about your trusted trans-actions with us and our affiliates. It includes your insurance coverage premiums and selection, your payment and claims history, and information necessary for billing and payment. Other information used to investigate and settle insurance claims, such as witness statements and police reports, may be included as well.
Information we receive from a consumer reporting agency
This information is generally used to confirm or supplement application information. We disclose consumer report information only as necessary to quote or service your insurance policy and as permitted by law. By obtaining a quote, you consent to our sharing of this information with companies and their affiliates for underwriting purposes.
We do not disclose nonpublic personal information about our customers or former customers to anyone except as permitted by law.
We restrict access to nonpublic personal financial information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal and state regulations to guard your nonpublic personal financial information.
We may also collect information on how the Service is accessed and used (“Usage Data”). This Usage Data may include information such as your computer’s Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our Service that you visit, the time and date of your visit, the time spent on those pages, unique device identifiers and other diagnostic data.
Tracking & Cookies Data
Cookies are files with a small amount of data which may include an anonymous unique identifier. Cookies are sent to your browser from a website and stored on your device. Other tracking technologies are also used such as beacons, tags and scripts to collect and track information and to improve and analyze our Service.
You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Service.
Examples of Cookies we use:
- Session Cookies. We use Session Cookies to operate our Service.
- Preference Cookies. We use Preference Cookies to remember your preferences and various settings.
- If you leave a comment on our site you may opt-in to saving your name, email address and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year.
- If you visit our login page, we will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser.
- When you log in, we will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year. If you select “Remember Me”, your login will persist for two weeks. If you log out of your account, the login cookies will be removed.
- If you edit or publish an article, an additional cookie will be saved in your browser. This cookie includes no personal data and simply indicates the post ID of the article you just edited. It expires after 1 day.
- Security Cookies. We use Security Cookies for security purposes.
The Way We Use Information
The information we collect from you may be used in the following ways:
- To provide and maintain our Service
- To notify you about changes to our Service
- To personalize your experience (your information helps us to better respond to your individual needs)
- To improve our Service (we continually strive to improve our website offerings based on the information and feedback we receive from you)
- To improve customer service (your information helps us to more effectively respond to your information requests and support needs)
- To send periodic emails (if at any time you would like to unsubscribe from receiving future emails, we include detailed unsubscribe instructions at the bottom of any email)
Do we disclose any information to outside parties?
We do not sell, trade, or otherwise transfer to outside parties any of your personally identifiable information with the following exceptions.
Disclosure for Law Enforcement
Under certain circumstances, Company may be required to disclose your Personal Data if required to do so by law or in response to valid requests by public authorities (e.g. a court or a government agency).
Company may disclose your Personal Data in the good faith belief that such action is necessary:
- To comply with a legal obligation
- To protect and defend the rights or property of Company
- To prevent or investigate possible wrongdoing in connection with the Service
- To protect the personal safety of users of the Service or the public
- To protect against legal liability
We may employ third party companies and individuals to facilitate our Service (“Service Providers”), provide the Service on our behalf, perform Service-related services or assist us in analyzing how our Service is used.
These third parties have access to your Personal Data only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.
Our Commitment to Data Security
To prevent unauthorized access, maintain data accuracy, and ensure the correct use of information, we have put in place appropriate physical, electronic, and managerial procedures to safeguard and secure the information we collect online.
The security of your data is important to us but remember that no method of transmission over the Internet or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your Personal Data, we cannot guarantee its absolute security.
We may use third-party Service Providers to monitor and analyze the use of our Service.
Google Analytics is a web analytics service offered by Google that tracks and reports website traffic. Google uses the data collected to track and monitor the use of our Service. This data is shared with other Google services. Google may use the collected data to contextualize and personalize the ads of its own advertising network.
For more information on the privacy practices of Google, please visit the Google Privacy & Terms web page: https://policies.google.com/privacy
Links to Other Sites
Our Service contains links to other sites. Please be aware that we are not responsible for the content or privacy practices of such other sites. If you click a third-party link, you will be directed to that third party’s site. We encourage our users to be aware when they leave our site and to read the privacy statements of any other site that collects personally identifiable information.
We have no control over and assume no responsibility for the content, privacy policies or practices of any third-party sites or services.
Our Commitment to Children’s Privacy
Protecting the privacy of the very young is especially important. For that reason, our Service does not address anyone under the age of 18 (“Children”).
We do not knowingly collect personally identifiable information from anyone under the age of 18. If you are a parent or guardian and you are aware that your Child has provided us with Personal Data, please contact us.
California Residents Privacy Rights
The California Consumer Privacy Act (CCPA) permits California residents with specific rights regarding their personal information. You have the right to once a year and free of charge, request information about categories of personal information (if any) we disclosed to third parties for direct marketing purposes and the names and addresses of all third parties with which we shared personal information in the immediately preceding calendar year. If you are a California resident and would like to make such a request, please submit your request in writing to us using the contact information provided below.
Please note that we may ask you to verify your identity before responding to such requests.
Under CCPA, California residents have the following rights:
- The right to know which personal information is being collected
- The right to know if personal data is being sold or shared, and to whom
- The right to object to the sale of personal data
- The right to access one’s own personal information
- The right to equal service and price, even for consumers who exercise their privacy rights
Note we do not sell or rent your data to third-parties.
California Minor Content Removal
If you are a resident of California, under 18 and a registered user of our services, you may ask us to remove content or information that you have posted to these services by contacting us. We will make sure your information is not publicly displayed, but be aware that the date may not be comprehensively removed.
California “Do Not Track” Disclosure
We do not support Do Not Track (“DNT”). Do Not Track is a preference you can set in your web browser to inform websites that you do not want to be tracked.
You can enable or disable Do Not Track by visiting the Preferences or Settings page of your web browser.
European Economic Area (EEA)Residents
If you are a resident of the European Economic Area (EEA), you have certain data protection rights Data Protection Rights under the General Data Protection Regulation (GDPR). Company aims to take reasonable steps to allow you to correct, amend, delete or limit the use of your Personal Data.
If you wish to be informed about what Personal Data we hold about you and if you want it to be removed from our systems, please contact us.
In certain circumstances, you have the following data protection rights:
- The right to access, update or delete the information we have on you. Whenever made possible, you can access, update or request deletion of your Personal Data directly within your account settings section. If you are unable to perform these actions yourself, please contact us to assist you.
- The right of rectification. You have the right to have your information rectified if that information is inaccurate or incomplete.
- The right to object. You have the right to object to our processing of your Personal Data.
- The right of restriction. You have the right to request that we restrict the processing of your personal information.
- The right to data portability. You have the right to be provided with a copy of the information we have on you in a structured, machine-readable and commonly used format.
- The right to withdraw consent. You also have the right to withdraw your consent at any time where we relied on your consent to process your personal information.
Please note that we may ask you to verify your identity before responding to such requests.
You have the right to complain to a Data Protection Authority about our collection and use of your Personal Data. For more information, please contact your local data protection authority in the European Economic Area (EEA).
Our Commitment to Privacy
Our policy is a pledge – we pledge to protect your information! We pledge to you, our valued customer, that the information you have provided us to obtain appropriate insurance coverage will be used for just that purpose and that purpose only. We will not share such information with nonaffiliated third parties, such as banks, securities firms, or other institutions. However, in order to better serve you, your trusted information may be shared with third parties for the purpose of insurance underwriting.
This policy was last modified on February 1, 2020
- By email: [email protected]