About This Notice
We are committed to protecting your privacy and earning your trust. This Privacy Policy (“notice“) describes the information we collect about you and how we use and protect it. It applies to our current and former customers and others who live in your state. It replaces earlier versions that we may have given to you.
Summary
This section summarizes our privacy practices. For more detail, please read the entire notice.
- We gather information from you, your transactions with us, and outside sources.
- We use your information only to provide insurance to you and otherwise conduct our business.
- We will share your information with your selected agent or broker and companies that provide certain products or services you request through us.
- We will not share your Nonpublic Personal Information with other companies for their independent marketing purposes without your consent.
- You can limit our use of some of this information for marketing purposes.
- We limit access to your information and use safeguards to help protect it.
- You may review and correct your information.
What information do you collect about me?
We collect information about you to create or obtain a quote for and to service your insurance policy and to process any insurance claims you make to us. This is called “Nonpublic Personal Information” or “NPI” if it identifies you and is not available to the public. We may collect it from some or all of the following sources. We have provided a few examples for each source, but not all may apply to you.
- Application Information: You provide this on your application, through your agent or broker, by phone, or online. We may also obtain it from directories and other outside sources. It includes your name, street and e-mail addresses, phone number, driver’s license number, Social Security number, date of birth, gender, marital status, and type of vehicle. It also includes information about other drivers.
- Consumer Reports: We obtain these from consumer reporting agencies. Reports includes your driving record, claims history with other insurers, and credit report information. The information is kept by the consumer reporting agencies and disclosed by them to others as permitted by law.
- Health Information: If you seek life insurance from us or have an accident involving injuries, we obtain this from you, police reports, people involved in the accident, and health care providers. It includes facts about injuries and treatment, your physical or mental condition, medical history or medical claims history.
- Transaction Information: This is information about your transactions with or through us. It includes your insurance coverages, limits and rates, and payment and claims history. It also includes information we need for billing and payment.
We also may collect “Site Information” about you. This relates to Internet activity. It may include how you linked to our website or mobile application. (We refer to websites and applications together in this notice as “Sites”.) It also may include your IP address and information about your device, time of visit, and what areas you visit on our Site. When you visit our Sites, we use cookies, web beacons, and other technology to collect information about you and your activities on our Sites. We do this to provide services to you, enhance your online experience, and advertise our products and services.
Who might get information about me from you?
We will share nonpublic, personally identifiable information about you only if not prohibited by law. We will disclose NPI regulated under the Gramm-Leach-Bliley Act or your state’s financial privacy law or regulation for insurance only as permitted by that law or regulation. We will do the same for commercial insurance products not subject to such law or regulation.
Examples of disclosures include those that we feel are required to provide insurance claims or customer service, prevent fraud, perform research, market our products or services, or comply with law. Recipients include, for example, other companies within the companies we engage with in your behalf, claims representatives, service providers, consumer reporting agencies, insurance agents and brokers, law enforcement, courts, and government agencies. They may disclose the information to others as permitted by law. For example, consumer reporting agencies may disclose Transaction Information received from us to other insurance companies with which you do business.
We may also disclose Application or Transaction Information to service providers that help us market our products. These service providers may include financial institutions with which we have joint marketing agreements.
Some products or services obtained through us will be provided by other companies. We may share your information with these companies. They will use the information per their privacy policies. These companies may share with us information about you and your transactions with them.
Can I limit use of my information for marketing?
We may share your NPI among our companies we engage with so they may offer products and services to you. You may limit the recipients’ use of some of this NPI for their marketing purposes by calling us at 361-756-5020. Your choice will apply to all people listed on your policy. Your request to limit marketing use of NPI will apply indefinitely. If you previously informed us that you were exercising this right to limit marketing use of NPI, you do not need to act again to exercise that right.
We will not share your NPI with other companies for their independent marketing purposes without your consent. There is no need to “opt out” or tell us not to do this.
How do you protect my information?
We restrict access to your information to our employees and others whom we feel must use it to provide our products and services or otherwise run our business. Their use of the information is limited by law, our employee code of conduct, and written agreements where appropriate. We also use physical, electronic and procedural safeguards to protect your information.
How can I review and correct information you have about me?
To review information we have about you, send a written request to PO BOX 62 Alice,Tx 78332. You must describe the kind of information you want to review and state that your request is in response to this notice. Include your full name, mailing address, and policy number (if applicable). Within 30 business days, we will describe what is available and how you may request corrections. We will also name anyone we show as having received the information within two years prior to your request. Finally, we will identify the companies that have provided Consumer Reports about you.
You may review the information at our office or receive a copy of it for a fee to cover our costs. We will not provide information that we feel is privileged, such as information about insurance claims or lawsuits.
To correct information about you, send a written request as described above, explaining your desired correction. Within 30 business days, we will either make the requested correction or tell you why we will not. We cannot correct Consumer Report information. To do this, you must contact the consumer reporting agency that provided it.
If we make your requested correction, we will notify you in writing. We will also notify anyone you name who may have received the information within the previous two years. If required by law, we will also notify others who may have given it to or received it from us. If we refuse to make the requested correction, you may file with us a concise written statement about why you object. That statement should include the information you think is correct. We will include your statement in your file. We will send it to the same persons to whom we would send a copy of any correction or change.
Why do you ask for my e-mail address?
When you quote or buy products from or through us or sign up for email marketing, we collect your e-mail address. We do this so that we can send you e-mails concerning your transactions with us. We may also send, or have others send, offers or updates with other information we think you’ll find useful. You can stop these emails by using the links provided in them. Customers for some of our products may also manage their preferences in the policy services area of our Site.
We will share your e-mail address with our service providers and your selected agent or broker. We will not share your e-mail address with other companies for their independent marketing purposes without your consent.
What about Site security?
Our security measures help secure your data, so that others cannot access it while in transit. We limit access to our servers and require our employees to follow high standards of ethics and integrity in performing their jobs.
What about links to other Sites?
Our Sites contain links to other Sites that we do not maintain. We make no warranties or representations about other Sites. You should read these Sites’ privacy and security policies.
Reporting Suspicious Email Messages
If you receive an email from Hub Insurance Agency that you’re unsure about, please forward it to hub@hubinsuranceonline.com. We’ll be able to tell you if it is a legitimate email sent from Hub Insurance Agency.
Reporting Security Issues
If you believe you have found a security issue with one of our products or services, please report the issue to hub@hubinsuranceonline.com.
It’s helpful if you include your name and contact information with each report.
Please describe the issue in detail, including (for example): the date and time when the issue was first discovered, details needed to reproduce the issue, and a Proof of Concept. Screenshots and videos can also be useful. We will attempt to respond to your report within 10 business days.
We take these reports seriously, so we ask that you keep your findings confidential. Any publication of your findings prior to remediation of the issue may put personal information at risk.