PRIVACY & INFORMATION SECURITY POLICY
This Privacy and Information Security Policy (“Policy”) applies to our ALPS family of companies collectively referred to in this Policy as “ALPS”, “we”, “us”, or “our”. Our family of companies is comprised of:
ALPS Property & Casualty Insurance Company
ALPS Insurance Agency, Inc.
We value you as a customer and remain dedicated to earning your trust. Naturally, therefore, we respect and are committed to protecting your privacy. This Policy described the information we collect about you, and explains our policies for how we use, share and protect your personal information.
SUMMARY OF OUR PRIVACY PRINCIPLES
We DO NOT SELL your personal information to any third party.
We may share your personal information with third parties for purposes of cross-context behavioral advertising, to sell or promote our products or services, to conduct our business, and to generally provide insurance products and services to you. We will not share your personal information for any other purpose without first disclosing that purpose to you.
We will not share your personal information with any third party to be used for their own independent marketing purposes.
We contractually require any third party that receives your personal information from us for a business purpose to comply with all applicable laws for the protection of your privacy and your personal information.
We allow you to review and correct any inaccurate personal information.
We maintain administrative, technical, electronic and physical safeguards for the protection of your personal information.
INFORMATION WE MAY COLLECT ABOUT YOU
We collect, use, and share information we need to conduct our business, to advise you of our products and services, and to provide you with exceptional customer service. The information we collect from you is referred to in this Policy as “Nonpublic Personal Information” or “NPI” if the information identifies you and is not otherwise available to the public. A few examples of NPI that we may collect from you include:
a real name, alias, postal address, unique personal identifier, online identifier, internet protocol address, email address, account name, social security number, state bar number, driver’s license number, or other similar identifiers.
your signature, telephone number, insurance policy number, bank account number, credit card number, debit card number, or any other financial information.
protected classification information such as date of birth, age and gender.
“Commercial information” including products or services you purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.
Internet or Electronic Network Activity information, including, but not limited to, browsing history, search history, and information regarding your interaction with an internet website, application, or advertisement.
Audio or electronic information such as recorded phone calls or electronic voice mail messages.
Professional or employment-related information, including current or past employment history, professional licensing and certifications, your bar-related information, areas of professional practice, claims history, licensing disciplinary history, and other professional or employment related information pertaining in any manner to the consumer’s law firm or the consumer’s practice of law.
“Education Information” such as education level, year of graduation, and schools or educational institutions attended.
HOW WE COLLECT INFORMATION
- ALPS may collect Information from a variety sources, including, but not necessarily limited to the following sources:
- Application Information You Provide to Us: You provide NPI to us during the application process for an insurance product. You do so on application forms, during telephone conversations, through email communication, and through other forms of communication. You may also provide NPI to us through your own insurance agent or broker.
- Financial, Payment and Transaction Information You Provide: If you purchase our products and services, you may provide to us certain financial, payment and transaction information. We may obtain transaction information in conjunction with credit information for premium financing t to us that we require for
- Website Visits and Internet Activity: We collection information from you when you visit our website or utilize our online services. For example, we may collection information about how long you visit our website, the pages you visit on our website, and the devices you may use to visit our website. Additionally, we may collect information from you through our social media applications and activities.
- Other Sources or Third Parties: We may use third parties to obtain information about you such as your name, mailing address, email address, phone number, areas of practice. We may obtain this information from third party data vendors, bar associations, and other third parties already in possession of this information.
INFORMATION FOR INTERNET AND SOCIAL MEDIA USERS
We want to make you aware of how we use Internet cookies and analytical tools to enhance your experience when visiting www.alpsinsurance.com or using our social media applications. Cookies are files we place in your computer's browser to store your ALPS online preferences. Web analytics provide non-personally identifiable statistical information about how visitors interact with our website and applications. Our social media applications may also collect non-personally identifiable demographic information (such as age, sex, and city/state location) about the users of each application. Prior to installation of any application, you will see a statement describing what information is collected from your use of that particular application.
By themselves, cookies and web analytics do not tell us your e-mail address or other personally identifiable information. They do not identify you by name or address unless you have provided us with such information (over the internet or in some other communication). Cookies and analytics do help us to:
- Analyze how customers use our website and applications.
- Develop new services to improve our online content.
- Analyze our marketing campaigns.
- Know how many visitors have seen or clicked on our ads.
If you disable cookies by changing the setting on your browser, the site will not recall your preferences and you will not be able to access a customized default home page view of our website. In addition, rejecting cookies may prevent you from using certain functions and you may have to repeatedly enter information to take advantage of services or promotions.
You may retain cookies in your browser for a customized website experience. However, if you do not want third party advertisers to track and use information derived from your visits to sites on which we advertise you may "opt out" by going to: http://www.google.com/intl/en/privacy/ads/.
HOW WE USE INFORMATION ABOUT YOU
We use customer information, including consumer report information, to underwrite and/or rate your policies and products, process your claims, ensure proper billing, service your accounts, enhance your customer experience, and offer you other insurance and financial services products that may suit your needs.
We share information about our transactions (such as payment of premium) and experiences (such as a malpractice claim) with you within our ALPS family of companies and with ALPS customer service representatives or agents to better serve you and to help meet your current product and service needs. We may share information about you with persons or organizations inside or outside our family of companies for our everyday business purposes and as permitted or required by law. We also may share information about you with companies that perform marketing or other services for us or with whom we have joint marketing agreements. These agreements allow us to provide a broader selection of insurance and financial products to you.
We may also share customer information with consumer reporting agencies and with other entities as needed to handle your claim and to protect against fraud and unauthorized transactions.
ALPS PROTECTS CUSTOMER INFORMATION
The privacy of our customers has always been important to ALPS. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information. In addition, we regularly review our policies and practices, monitor our computer networks, and test the strength of our security. Taking these steps helps us to ensure the safety of our customer information.
TO LIMIT THE SHARING OF INFORMATION WITHIN THE ALPS FAMILY OF COMPANIES
At ALPS, our goal is to provide you with a remarkable customer experience. When you apply for insurance or an account, we may gather information about you such as your practice areas, your claim history with other companies, and your credit information. After we receive this information, we may share it within ALPS to better meet your current and future product or service needs. In addition, by sharing information within ALPS we won't need to recollect information you may have already provided on other policies or accounts with us. You may limit the sharing of information within ALPS simply by contacting us at firstname.lastname@example.org and instructing us not to share your information within ALPS.
- If you are an existing customer and have already told us your information sharing preferences, no action is needed unless you want to change your preference.
- Your choice will apply to your joint accountholders and/or policyholders.
- Your choice does not limit ALPS from sharing certain information about your transactions with us or your experiences with us for everyday business purposes.
OTHER IMPORTANT INFORMATION
Residents of Vermont: ALPS will not share your personal information across our ALPS family of companies unless you have authorized us to do so. This does not limit ALPS from sharing certain information about your transactions with us (such as your payment history) or your experience with us (such as your claim history) as permitted by law.
Our California Consumer Privacy Act Supplement
This Supplement applies only to California residents. It informs our California consumers how we collect, use, protect, and disclose your Personal Information that is subject to the California Consumer Privacy Act (the “Act”). This Supplement also informs you of important rights and choices you have under the Act with respect to your Personal Information. This Supplement does not apply to any information or data that is exempt from or otherwise not regulated by the Act.
As you review this Supplement, we want you to know at the outset that the privacy of your Personal Information is important to ALPS. Therefore, ALPS is pleased to inform and assure you that we DO NOT SELL your information to any third party. Further, we maintain administrative, technical, and physical safeguards for the protection of your Personal Information.
What is Personal Information?
For purposes of the Act and this Supplement, “Personal Information” means information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer (a natural person who resides in California) or household in California. Personal Information does not include publicly available information, consumer information that is deidentified, or aggregate consumer information.
Categories of Personal Information We May Collect About You
We may collect some or all of the following categories of Personal Information about you:
- “Identifiers” such as a real name, alias, postal address, unique personal identifier, online identifier, internet protocol address, email address, account name, social security number, driver’s license number, or other similar identifiers.
- “Personal Information” as defined in subdivision (e) of Section 1798.80 of the California Customer Records statute, including your name, signature, telephone number, insurance policy number, education, current employment and employment history, bank account number, credit card number, debit card number, or any other financial information.
- “Protected Classification” information for protected classifications under California or federal law such as age and gender.
- “Commercial information” including records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.
- Internet or Electronic Network Activity information, including, but not limited to, browsing history, search history, and information regarding a consumer’s interaction with an internet website, application, or advertisement.
- Audio or electronic information such as recorded phone calls or electronic voice mail messages.
- Professional or employment-related information, including current or past employment history, professional licensing and certifications, your bar-related information, areas of professional practice, claims history, licensing disciplinary history, and other professional or employment related information pertaining in any manner to the consumer’s law firm or the consumer’s practice of law.
- “Education Information” such as education level, year of graduation, and schools or educational institutions attended.
- Other “Sensitive” Personal Information not previously identified such as your account log-in credentials, or the contents of your mail, email, and text messages.
How We Collect Your Personal Information
ALPS may collect your Personal Information from a variety of sources.
Information You Provide to Us
We collect your Personal Information based upon information you voluntarily disclose to us when you choose to interact with us or transact business or commercial activity with us. For example, we may require you to complete an application for insurance or we may require you to provide certain information, including Personal Information, in order to use our website or to provide certain products or services to you. If you purchase insurance from us, we will obtain Personal Information from you in the application and underwriting process that allows us to offer insurance products and services to you and allows you online access to your account. We may obtain your Personal Information that you voluntarily disclose to us during a phone conversation or through email communication. Finally, we may obtain Personal Information from you during the course of our claims handling services when you cooperate with us and deliver necessary documents, records and information in the course and scope of our claims handling and investigation practices.
Information We Obtain When You Access our Website and Use our Services
Our primary domain or Website is www.alpsinsurance.com. We also maintain and use the following websites: applyonline.alpsinsurance.com, blog.alpsinsurance.com, estimate.alpsnet.com (collectively referred to as our “Website”).
When you visit or use our Website, we may collect certain information by automated means, using technologies such as cookies, web server logs, website beacons, pixel tags, mobile ad identifiers, or similar technology. In doing so, we may collect Personal Information about the device you use to access our website, and when and how long you access, visit, and interact with our or use our Website.
A "cookie" is a small text file that a website sends to your computer or electronic device that is then stored in your computer or electronic device either temporarily for that session only or permanently on the hard disk (persistent cookie). Cookies provide a way for our Website to recognize you and keep track of your preferences. Generally, this avoids the repeated entry of the same user information during a session and upon return visits to our site. Most browsers can be set to notify you when you receive a cookie. Our cookies will collect both the browser and operating system that a visitor is using. It is important to note that you may delete or decline cookies by changing your browser settings. Please note that If you delete or decline the use of essential cookies in your browser settings, some of the features and services of our website may not function properly.
In conjunction with gathering information through cookies, our web servers may log information such as your device type, operating system type, browser type, domain, and other system settings, as well as the language your system uses and the country and time zone where your device is located. We also may record information such as the address of the web page that referred you to our Website and the IP address of the device you use to connect to our Website. We also may log information about your access, visit, interaction with our or use of our Website, such as the Website pages you visit. We may place tags on our web pages called “web beacons,” which are small files that link web pages to particular web servers and their cookies.
We may use also third-party web analytics services on our website such as those of Google Analytics. These service providers help us analyze how users visit, use and interact with our Website. The information collected for this purpose (including your IP address and other information collected by automated means) will be disclosed to or collected directly by these service providers.
Information We Obtain from Other Sources or Third Parties
We may obtain Personal Information about you from third parties such as data vendors, bar associations, event sponsors, premium finance companies, other insurance companies, reinsurance companies, and analytic services providers.
Purposes for Which We Collect or Use Your Personal Information
ALPS limits the use of your Personal Information to that use which is reasonably necessary to provide you with exceptional customer service and to deliver our products and services to you. The business or commercial purposes for which we collect each category of Personal Information and the purposes for which we will use your Personal Information may include one or more of the following:
- offering, marketing, selling, promoting, and delivering insurance products and services to consumers
- communicating and interacting with consumers
- enhancing consumer experiences and service
- investigation, handling, negotiation, settlement, and payment of insurance-related claims
- actuarial analysis, analytics, price, research, and development
- negotiating and purchasing reinsurance and communicating with reinsurers
- social media activities and internet or website references to ALPS
- counting ad impressions, verifying positioning and quality of ad impressions
- compliance, and other auditing
- preventing, detecting and prosecuting malicious, deceptive, fraudulent or illegal activity
- risk control, debugging and otherwise maintaining or protecting our data and systems and ourselves
- to effect, administer, enforce, service, process, provide or maintain a product, service, account, or transaction with or for a consumer or business
- in connection with a proposed or actual securitization, merger, acquisition, sale (including sale of servicing rights) or similar transaction related to, involving or impacting a consumer
- providing information to insurance regulators, law enforcement, other governmental entities and our attorneys, accountants and auditors
- making disclosures required by and otherwise complying with legal requirements or legal, regulatory or other governmental investigations or processes
- any other purposes disclosed to or authorized or approved by a consumer
Please be advised that you have the right, at any time, to direct us to limit our use of your Personal Information to that use which is necessary to provide you with insurance products and services.
How We Protect Personal Information
ALPS maintains administrative, technical and physical safeguards designed to protect the personal information you provide on our Website against accidental, unlawful or unauthorized destruction, loss, alteration, access, disclosure or use.
Right to Know about Your Personal Information
To the extent provided under the Act, you have the right to know and may request that we disclose to you any one or more of the following:
- the categories of Personal Information we collected about you in the preceding twelve months
- the categories of sources from which your Personal Information is collected
- the business or commercial purpose for collecting your Personal Information
- the categories of third parties with whom we share your Personal Information
- the specific pieces of Personal Information we collected about you
- the categories of Personal Information about you that we disclosed for a business purpose
If we receive a verifiable request from you to disclose any of the foregoing items, we will disclose the foregoing to you free of charge.
Right to Correct Inaccurate Personal Information
As a California resident, you have the right to request that a business that maintains inaccurate Personal Information about you correct that inaccurate Personal Information. If we receive a verifiable request from you to correct inaccurate Personal Information, we will exercise commercially reasonable efforts to identify and correct the inaccurate Personal Information.
Right to “Opt-Out” of the Sale or Sharing of Your Personal Information
You have the right, at any time, to direct a business that sells or shares your Personal Information to or with third parties to refrain from selling or sharing your Personal Information. This right is commonly referred to as your right to “Opt-Out” of any sale or sharing of your Personal Information. As previously noted, we DO NOT SELL your personal information to any third party.
We may also share your Personal Information with a third party for the purpose of cross-context behavioral advertising. However, you have the right to “Opt-Out” of the sharing of your Personal Information. If you would like to do so, you may opt out of the sharing of your Personal Information by contacting our Privacy Team at email@example.com.
Right to Deletion/“Right to be Forgotten”
To the extent provided under the Act, you have the right to request that we delete any Personal Information about you that we have collected from you. The Act provides certain circumstances, events, or situations in which we are not required to comply with your request to delete your Personal Information.
How to Contact ALPS
By Email: firstname.lastname@example.org
By Telephone: 800-367-2577
By Mail: 111 N. Higgins, Ste. 600, Missoula, MT 59802
We may require you to provide further documents, records or information to verify and confirm your identity with respect to your request.
Right to Non-Discrimination
As defined under the Act, you have a right to non-discrimination in the event you choose to exercise any of your rights under the Act. ALPS will not discriminate against you with respect to the availability, price or rates, or level or quality of our goods or services if you exercise any of your rights under the Act.
Secure Transmission Policy
The security of personal and financial information submitted through this website is protected using security software to encrypt the transmitted information. We ensure that your browser is compatible with our security software before allowing transmission of your information.
ALPS houses your personal information on a secure server. In addition, ALPS follows a defined security protocol to protect your information, including the implementation of Secure Socket Layer (SSL) protocol. SSL encryption renders your information unreadable to any third party upon transmission.
Our encryption protocol does not apply to email messages. Be aware that unencrypted email messages are potentially vulnerable to viewing, alteration and copying by others.