CCPA
Under the California Consumer Privacy Act (“CCPA”), California residents have the following rights:
rights: The right to know is the right to request that HealthSuretySolutions disclose what personal information we collect, use, and may reveal about them.
The right to delete, which is the right to request that we delete personal information collected or maintained by HealthSuretySolutions.
The right to non-discrimination is the right to be free from discrimination for exercising any consumer rights under the CCPA.
We may limit our responses to any requests under the CCPA as permitted by law. To exercise your rights to know or delete under the CCPA, please call us toll-free at 877-832-0937. For verification purposes only, we will collect a limited number of personal identifiers, send those securely through a verification system, ask you follow-up questions through our online portal or representative, and then confirm whether your identity has been verified. You may also designate an authorized agent to request to know or delete on your behalf. To select an authorized agent, you must provide the natural person or entity registered with the California Secretary of State with written permission to submit such a request. You (or your agent) will still be required to verify your identity. However, if an authorized agent has been provided with power of attorney in accordance with the California Probate Code, then no additional written authorization is required. All agents must submit proof to HealthSuretySolutions that they have been authorized by any consumer(s) to act on their behalf.
NOTICE OF COLLECTION FOR CALIFORNIA RESIDENTS:
In the 12 months before the effective date of this Privacy Policy, we have collected the following categories of personal information:
Personal identifiers such as a real name, alias, postal address, unique personal identifier, email address, telephone number, insurance policy number, account name, social security number, signature, gender, driver’s license number, physical characteristics, consumer status, and other similar identifiers. We collect this category of information directly from consumers—either online, phone, or in person. An anti-fraud service provider may confirm the information a consumer has provided to us and give us additional personal identifiers in response. We may also receive identifiers from marketing service providers.
Driving and claims history, including information about any prior accidents or insurance claims. We request this information directly from consumers but also sometimes receive it from antifraud and risk-assessment service providers.
Vehicle information, such as a vehicle identification number (VIN), vehicle details, including any customizations, and vehicle photos. We collect this information directly from consumers, claimants, auto dealerships, body shops, and other service providers.
Financial identifiers, such as a bank account number, credit card number, debit card number, or other financial information. We generally collect this information directly from consumers. On occasion, we may receive this information indirectly while handling claims.
Medical information, such as details involving the injuries sustained in a car accident, the treatment for such injuries, as well as health insurance information. We receive this information either directly from consumers or their attorneys, or medical-field third parties, following state and federal law.
Commercial information about consumer transactions and experiences with us and others, such as payment history, claims, coverage and vehicle changes. We may receive this information directly from consumers or through their online activities and sometimes from third-party vendors.
Internet or other electronic network activity information may include commercial information, such as browsing history, online identifier(s), Internet Protocol address, search history, and information regarding a consumer’s interaction with an Internet Web site, application, or advertisement. We collect this information through a consumer’s use of our website or mobile application(s) and third-party partners such as analytics and marketing providers. Geolocation data. When a consumer asks us to, we may collect geolocation data. For example, you may use our mobile application to find a nearby body shop. We collect this data through our application(s).
Audio, electronic, visual, or similar information, such as recorded statements, photos of damaged vehicles, videos of accident locations, and calls made to our customer service centres, may be recorded. We receive this information directly from consumers or a claimant’s insurer through police investigations (i.e. accident reports) and fraud investigations. Professional or employment-related information in the form of business contact information and education or employment history, which we only use as permitted by law. We generally collect this information directly from consumers. On occasion, this information is provided to us by third parties.
Applicant and Employee information, in addition to information in the above categories, this information includes birth certificates (to validate dependents), passport numbers, access badge photos, background and screening data, and protected class characteristics. This information is used following state and federal laws and is shared with our human-resources service providers.
Inferences are drawn from the information we collect when consumers visit our websites, use our mobile apps, or interact with us on our social media platforms and information about consumer preferences and behavior that we collect on our websites and mobile apps. We collect each of the above categories of information for a variety of purposes, including: For our core business purposes, such as providing quotes for insurance, processing applications (either for insurance or employment), establishing and servicing policies, claims to handle, providing customer support, and furnishing other insurance services. For example, we use information to verify our applicants’ driving history and information, complete billing, payment and reimbursement obligations and prevent fraud.
To assess and improve our product and service offerings, including the development of new products and services.
To perform data analysis (including market and consumer search and analytics and trend analysis).
To conduct marketing activities and communicate with you regarding products and services offered by HealthSuretySolutions and its partners.
To enable you to interact with us through social media platforms.
To detect and prevent fraud and other prohibited or illegal activity.
To maintain and enhance the security of our systems, data, and workplace.
To hire qualified employees and maintain our workforce.
To comply with legal obligations and policies.
To bring and defend claims
For other purposes as permitted by law or to which you consent.
In the 12 months before the effective date of this Privacy Policy, we have disclosed all of the above categories of personal information to service providers that assist us in providing insurance-related services, which include offering quotes, processing applications (both employment and insurance), and claims handling. If you are involved in an accident with another insured individual, we may have to share your information for the permitted purpose of handling that incident. We may also have to share your information with our reinsurers, excess insurers, insurance-support organizations that help us detect and prevent fraud, state insurance departments and other governmental and law enforcement authorities (where required by law or to protect our legal interests or in cases of suspected fraud or illegal activities), with consumer reporting agencies as permitted by law, and if ordered by subpoena, search warrant or other court order. We may disclose personal information to service providers involved in our marketing, verification, data-processing, risk-assessment, security and anti-fraud efforts, and as required or permitted by federal or state law. For additional information regarding the categories of personal information we have disclosed and the types of entities with which we have disclosed such information, please see
“The Information We Disclose” above. We have not sold consumers’ personal information in the 12 months preceding the Effective Date of this Privacy Policy. Please feel free to contact us with questions or concerns regarding our privacy policy and practices by emailing us at info@healthsuretysolutions.com.