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Privacy Policy

The Effective Date of this Privacy Policy is April 24, 2009

THE ACCE INSURANCE PROGRAMS and AGIA Respect Your Privacy Protecting your privacy is very important to us. Policyholders like you have trusted us with your insurance needs for many years, and we take our obligation to safeguard and secure your personal information very seriously. We want you to understand how we protect your privacy and when we collect and use your information.

Table of Contents

  • Summary
  • The Information We Collect
    • Information We Obtain From You
    • Information About Your Transactions
  • The Information We Disclose
  • Confidentiality and Security
  • Additional Information for Our Website Users
  • Changes to This Privacy Policy
  • What to Do If You Have Privacy or Security Concerns

Summary

This summary tells you the basics of our privacy commitment to you—how we collect and use your information, how we protect it and who can see it. You should read the entire privacy policy below for full details.

  • We obtain personal information from you directly, from your transactions with us, and from third parties such as MIB for underwriting purposes.
  • We will not sell your information to third parties.
  • Any third parties who perform services for us are required to safeguard any customer information and may only use it in connection with performing those services.
  • We extensively secure and limit access to your information.
  • We protect information about potential, current, and former policyholders.

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:

  • Name
  • Address
  • Phone number
  • Email address
  • ACCE Member number
  • Social Security number
  • Driver’s license number
  • Date of birth

If you gave us your email address, AGIA 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 select the “unsubscribe” link at the bottom of any AGIA 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, and coverage.

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 applied for coverage is safeguarded to the same extent as Information about our current policyholders.

Following are some examples of how we may disclose Information:

We must exchange Information about you with our insurance carriers and other persons who are or will become involved in processing your application and servicing your policy or any claims you may make.

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.

If the law in your state permits, we may share Information with financial institutions with which we have a joint-marketing agreement. 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 re-disclose 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 our re-insurers;
  • with insurance-support organizations that detect and prevent fraud;
  • with medical professionals or institutions in order to verify coverage or conduct operations or services audits;
  • 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.

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 and we require them to sign confidentiality and non-disclosure agreements. We maintain strict physical, electronic and procedural safeguards to protect your Information from unauthorized access by third parties. Your Security is Important to us.

Additional Information for Our Website Users

We continuously improve acceinsurance.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 acceinsurance.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.

We use cookies to improve your experience while using acceinsurance.com. Cookies are small files that are stored on your computer. They do not contain any personally identifiable information about you. They help us personalize your experience when you return to our website, and they are required for certain portions of our website. Most browsers let you determine whether or not you accept our cookies. If you don’t use cookies, you won’t be able to use certain acceinsurance.com features. We also provide some links to third-party websites that are not owned by AGIA. AGIA has no control over their privacy practices and assumes no responsibility in connection with your use of their websites. We recommend that you check the privacy policy of any website before you provide any personally identifiable information.

Changes to This Privacy Policy

We may modify our privacy policy from time to time. The most recent version is always posted at acceinsurance.com.

What to Do if You Have Privacy or Security Concerns

If you have a concern about privacy or security at AGIA, we want to hear about it by mail or email.
Please write to us at:
Privacy Administration
AGIA – Attention Compliance Department
1155 Eugenia Place
Carpinteria, CA 93013-2062
or email us at compliance@agia.com

Terms Of Use

The Effective Date of this Terms and Condition of Website use Policy is August 1st, 2008.

The material provided on the acceinsurance.com website, including the information and any images incorporated in the site, is for your personal private non-commercial use only. You may not modify, republish, post or transmit anything you obtain from this website, including anything you download from the site, unless you first obtain our consent. You agree not to engage in systematic retrieval of data or other content from acceinsurance.com. We request that you not create any kind of hyperlink from any other site to ours unless you first obtain our permission.

It is very important that you read the next two sections carefully.

Limitation of Liability

THE ACCE INSURANCE PROGRAMS, AGIA AND ITS AFFILIATES WILL NOT BE RESPONSIBLE FOR ANY DAMAGES OR INJURIES THAT ACCOMPANY OR RESULT FROM YOUR USE OF ITS SITES. THESE INCLUDE (BUT ARE NOT LIMITED TO) DAMAGES OR INJURY CAUSED BY ANY: (1) USE OF (OR INABILITY TO USE) THE SITES; (2) USE OF (OR INABILITY TO USE) ANY SITE TO WHICH YOU HYPERLINK FROM ITS WEBSITES; (3) FAILURE OF PERFORMANCE; (4) ERROR; (5) OMISSION; (6) INTERRUPTION; (7) DEFECT; (8) DELAY IN OPERATION OR TRANSMISSION; (9) COMPUTER VIRUS; OR (10) LINE FAILURE. WE ARE NOT LIABLE FOR ANY CONSEQUENTIAL OR INCIDENTAL DAMAGES, WHICH ARE DAMAGES INTENDED TO COMPENSATE SOMEONE DIRECTLY FOR A LOSS OR INJURY, DAMAGES REASONABLY EXPECTED TO RESULT FROM A LOSS OR INJURY, OR OTHER MISCELLANEOUS DAMAGES AND EXPENSES RESULTING DIRECTLY FROM A LOSS OR INJURY. FURTHERMORE, EXCEPT AS PROVIDED BELOW, WE ARE NOT LIABLE EVEN IF WE HAVE BEEN NEGLIGENT OR IF OUR AUTHORIZED REPRESENTATIVE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES—OR BOTH.

HOWEVER, IN CERTAIN STATES WHERE THE LAW MAY NOT ALLOW US TO LIMIT OR EXCLUDE LIABILITY FOR THESE INCIDENTAL OR CONSEQUENTIAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY AND YOU MAY HAVE THE RIGHT TO RECOVER THESE TYPES OF DAMAGES. IN ANY EVENT, OUR LIABILITY TO YOU FOR ALL LOSSES, DAMAGES, INJURIES AND CLAIMS OF ANY KIND, WHETHER THE DAMAGES ARE CLAIMED UNDER THE TERMS OF A CONTRACT, OR THEY ARE CLAIMED TO BE CAUSED BY NEGLIGENCE OR OTHER WRONGFUL CONDUCT OR ANY OTHER LEGAL THEORY, WILL NOT BE GREATER THAN THE AMOUNT YOU HAVE PAID TO ACCESS OUR SITES.

Disclaimer

THE MATERIAL ON OUR SITES IS PROVIDED AS IS. THIS MEANS THAT AGIA DISCLAIMS ALL EXPRESS AND IMPLIED WARRANTIES ABOUT THE MATERIAL IN THE SITES. THIS INCLUDES, BUT ITS NOT LIMITED TO, WARRANTIES THAT: (1) THE MATERIAL IS OF ANY PARTICULAR LEVEL OF QUALITY OR IS FIT FOR A PARTICULAR PURPOSE; (2) THAT THE FUNCTIONAL ELEMENTS CONTAINED IN THE MATERIALS WILL BE UNINTERRUPTED OR ERROR-FREE; (3) THAT DEFECTS WILL BE CORRECTED; (4) THAT OUR SITES, OR THE SERVERS THAT MAKE THEM AVAILABLE ARE FREE OF COMPUTER VIRUSES OR OTHER HARMFUL COMPONENTS OR CONDITIONS; OR (4) THAT INFORMATION CONTAINED IN THE SITES IS ACCURATE AS OF ANY PARTICULAR DATE.

We sometimes provide access to other World Wide Websites from our sites or you may have reached our site from another site. However, we do not endorse or approve any products or information offered to you at sites you may reach from our sites or from which you may have reached our site. The Uniform Resource Locator (URL) address in your web browser will tell you if you are still in the AGIA site or have moved elsewhere.

By providing material on our website AGIA does not in any way promise that the materials will remain available to you or that you will qualify for the products we offer. AGIA is entitled to terminate all or part of any of its Websites at any time, without notice to you.

When you select a password and sign-up in order to access AGIA’s online policyholder services, you agree to the following conditions:

  • AGIA is authorized to act on instructions received under your password without any requirement to question those instructions;
  • AGIA is not liable for any unauthorized access to your personal information that is not directly due to the negligence of AGIA;
  • Your password contains sensitive information and you will keep it confidential and secret;
  • You will notify AGIA immediately if you believe anyone else has learned your password or if you believe an unauthorized access to AGIA or your personal information has occurred or may occur;
  • AGIA may deny access or block any transaction made under your password without prior notice if we believe your password is being used by someone other than you, or if any unauthorized access to your personal information has occurred or may occur, or for any other reason, but we are under no obligation to do so.

Jurisdiction

Unless otherwise specified, the materials in our site are presented to provide information about Association Group Insurance Administrators, (collectively “AGIA”), our insurance products and the insurance business. AGIA operates and controls its sites from the Company’s headquarters in Carpinteria, California, in the United States of America, and California law shall govern and control any action concerning the AGIA sites. We do not in any way imply that the materials on the sites or the products we discuss are available or for use outside the United States or in jurisdictions in which we are not licensed to do business, or that we are soliciting business in any such jurisdiction. By completing an on-line request for a rate quote, you are confirming that you are not a resident in any such jurisdiction.
By using the acceinsurance.com, you agree to these Terms and Conditions of Website Use.

Miscellaneous

These Terms and Conditions of Website Use, and the agreement they create, shall be governed by and interpreted according to the laws of the State of California, without giving effect to California’s conflict of laws principles.
If any provision of this agreement is unlawful, void or unenforceable, it shall not affect the validity and enforceability of any remaining provisions.

AGIA may modify these Terms and Conditions of Website Use, and the agreement they create, at any time, simply by updating this posting or the information on its website and without notice to you.