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Privacy Policy

Acrisure, LLC and its affiliates (collectively, “Acrisure,” “we,” “us” or “our”) endeavor to maintain the highest level of trust and confidence from the individuals we encounter while conducting our business (collectively, “you”).  As such, all personal information (“Personal Information” or “PI”) that we collect will be protected in accordance with this Privacy Policy, our internal data protection safeguards and applicable laws and regulations.

 

This Privacy Policy applies to the collection, possession, management, transfer and use of your PI through a variety of digital and non-digital means.  The term “PI” may refer to information that identifies and relates to you or other individuals, including your dependents, regardless of how the information is communicated or recorded.

 

We assume that you have read and understood our Privacy Policy if you engage Acrisure by:

 

  • Entering into a business relationship with us
  • Accessing or using our products or services
  • Accessing or using our resources, including our website, mobile application or other application on any computer, mobile phone, tablet, console or other device

 

Acrisure may modify this Privacy Policy at any time. Modifications to this Privacy Policy will be effective upon the earlier of the modified policy being posted on Acrisure’s website or delivered to you by other means. Your continued business relationship with us (e.g., continued business related contact or payment) or use of our products or services, website, mobile application or other application constitutes your acceptance of this Privacy Policy and any updates.

 

When you engage Acrisure, including with respect to your insurance or benefits programs, we may have to retain some or all of your PI for legitimate business purposes (such as those described in the “Use of Personal Information” section) and for a period of time appropriate for those purposes, even if you end your relationship with Acrisure. Subject to any exceptions specifically set forth in this Privacy Policy, by engaging Acrisure, you consent and agree to the retention of PI in this manner.

 

This Privacy Policy is incorporated into, and is subject to, the Acrisure Website Terms and Conditions for Use.

 

Personal Information We May Collect

 

The PI we may collect depends upon your relationship with us, including if you are a policyholder or a person benefitting under a policyholder’s policy; a claimant; an insurance broker, representative or other intermediary; an insurance carrier representative or underwriting personnel; or a person who visits our website. PI may include general identification information for you or your dependents, including:

 

  • Name
  • Home or other physical address
  • Email address
  • Telephone number or other contact information
  • Social Security Number or Taxpayer Identification Number
  • Passport number, driver’s license, state identification card or other government issued identification card or number
  • Financial information (g., bank account number, routing number and credit or debit card numbers)
  • Acrisure account information, such as username and password;
  • Medical identification, condition and health status
  • Biometric data (g., voice, photo and fingerprints)
  • Photographs and video recordings associated with claims, insurance or other business activities
  • Criminal background
  • Location data such as your IP address[1]
  • Information that enables Acrisure to provide products or services

 

 

Sources from Which We May Collect Personal Information

 

We may collect PI about you and other individuals, including dependents, from the following sources:

 

  • Applications or other forms that you choose to provide to us
  • Data gathered from your use of our website, mobile application or other application
  • Data that you provide through the process of handling a claim, as well as data from claims investigators, witnesses, medical professionals, insurance brokers or other third parties
  • Correspondence from you, including e-mails, letters, submissions via any Acrisure or other portal, telephone calls, text messages, social media posts or other means
  • Any agency that provides consumer, credit, criminal or other background information, including a motor vehicle report or credit report
  • Insurance companies or brokers

 

With respect to website data, when you visit our website, we may automatically collect certain information about your activities (“website usage information”). Website usage information addresses how visitors use and navigate the website. It can be collected by use of cookies or other technologies. Cookies are small text files that a web server creates and that a web browser delivers and stores on your computer. They provide a means for websites that you visit to keep track of online patterns and preferences, as well as to identify return visitors. Cookies make the personalization of your web experiences possible, so that you do not need to reenter your information each time you visit a website.

 

Use of Personal Information

 

We may use PI to:

 

  • Provide products or services, or process transactions, that you have requested
  • Communicate information, features or offers that we believe will be of interest to you
  • Respond to your questions or other requests
  • Contact you with regard to our regular business activities
  • Process any applications, payments or changes to your account information
  • Process other information or PI that you submit through the website
  • Fulfill other purposes disclosed at or around the time you provide your PI
  • Communicate with third parties as specified below

 

We may also use the information you provide to improve the website or Acrisure’s products or services, to customize your experience on the website, to serve you specific content, for our business analytics or research or for other legitimate business purposes, including the use and sharing of PI related to such legitimate business purposes.

 

As noted above, we may from time to time use your PI to communicate information, features or offers that we believe are of interest to you. We will only use your PI to provide you such communications where you have given us your consent to do so. When you consent to our processing your PI for a specified purpose, you may withdraw your consent at any time by contacting us at our contact information listed below and we will stop processing of your data for that purpose.

 

Personal Information We May Share with Third Parties

 

In the course of our general business practices, we may disclose PI that we collect about you or others to the following types of persons, entities or institutions for the reasons described:

 

  • Service providers (g., insurers, wholesale brokers, program administrators, third party administrators, claims adjusters, managing general agents or managing general underwriters) if the disclosure will enable that party to perform a business, professional or insurance function for us in connection with your engagement of Acrisure
  • A financial institution, agent or credit reporting agency in connection with your engagement of Acrisure
  • A government office, court, insurance regulatory authority, law enforcement authority or other governmental authority (each, an “Authority”) for regulatory compliance, the detection or prevention of fraud or as otherwise required or allowed by law or regulation.

 

Subject to any exceptions specifically set forth in this Privacy Policy, in addition to those circumstances listed above, with your consent we may disclose certain information about you to third parties whose use of the information shall be limited to marketing a product or service. If you have opted in to permit us to share your information to third parties for these purposes but later decide you do not want to, you can always “opt out” of this by directing a written request to Acrisure at our contact information below. Under no circumstances will we disclose for marketing purposes any medical information; information relating to a claim for benefit or a civil or criminal proceeding involving you; or PI relating to your character, personal habits, mode of living or general reputation.

 

In the event that an Authority requests information, we will confirm the request is valid prior to any disclosure of PI.

 

Links to Other Sites

 

For your convenience, we may provide links to other websites that Acrisure does not control and that employ information security or privacy practices different from ours. We do not assume responsibility for the information security or privacy practices of any websites not under our control. You should consult the specific information security or privacy policies posted on these websites when linking to them.

 

We are not responsible for the collection, usage and disclosure policies and practices (including the data security practices) of other organizations, such as Google, Apple, Microsoft and Facebook and/or any other app developer, app provider, social media platform provider, operating system provider, wireless service provider or device manufacturer.

 

International Data Transfer

 

Acrisure conducts business throughout the globe, including in the United States and the European Economic Area (“EEA”).  Our operations may require us to transfer data to and from affiliates and authorized third parties in countries other than the country in which the data was collected.

 

For transfers to or from the EEA, Acrisure endeavors to put in place agreements that are consistent with the European Union’s standard contractual clauses before undertaking such data transfers. These contractual protections ensure that the data in our care is always handled with the protections we set out in this Privacy Policy.

 

You have the right to request more information about these safeguards.  Please direct your request to Acrisure at the contact details at the end of this Privacy Policy.

 

Children Under Age Sixteen (16)

 

Acrisure’s products, services, website, mobile application and other applications are not directed to children younger than age sixteen (16). Acrisure does not knowingly collect PI from children under the age of sixteen (16) on the website or otherwise, and we will delete any information later determined to be collected from a person younger than age sixteen (16) from the website or otherwise. Certain products and services are intended for or may involve dependents of our customers, and the PI of those dependents is collected and handled in the manner set forth in this Privacy Policy.

 

Your Right to Access and Amend Your Personal Information

 

In the United States

 

You have the right to request access to your PI that we process. Your right includes the right to know the sources of the information and the identity of the persons, institutions or types of institutions to whom we have disclosed such information within two (2) years prior to your request. Your right includes the right to view such information and copy it in person or request that a copy of it be sent to you by mail (for which we may charge you a reasonable fee to cover our costs). Your right also includes the right to request corrections, amendments or deletions of any information in our possession, to the extent the information is not otherwise required for our legitimate business purposes (such as those described in the “Use of Personal Information” section), or required to be retained by law.  The procedures that you must follow to request access to or an amendment of your information are as follows:

 

  • To obtain access to your information, submit a request in writing that includes your name, address, last four digits of your Social Security Number and telephone number. The request should state whether you would like access in person or a copy of the information sent to you by mail.  Upon receipt of your request, we will comply within thirty (30) business days.
  • To correct, amend or delete any of your information, submit a request in writing that includes your name, address, last four digits of your Social Security Number, telephone number, the specific information in dispute and the identity of the document or record that contains the disputed information. Upon receipt of your request, we will contact you within thirty (30) business days to notify you either that we have made the correction, amendment or deletion, or that we refuse to do so and the reasons for the refusal, which you will have an opportunity to challenge.

 

Please direct your request to Acrisure at the contact details at the end of this Privacy Policy.

 

California Residents

 

California Civil Code Section 1798.83 permits California residents to request and obtain certain information regarding our disclosure, if any, of PI to third parties for their direct marketing purposes. If this applies, you may obtain the categories of PI shared and the names and addresses of all third parties that received PI for their direct marketing purposes during the immediately prior calendar year (e.g., requests made in 2018 will receive information about 2017 sharing activities). To make such a request, please provide sufficient information for us to determine if this applies to you, attest to the fact that you are a California resident and provide a current California address for our response.

 

Any such request must include “California Privacy Rights Request” in the first line of the description and include your name, street address, city, state and ZIP code. Please note that we are only required to respond to one request per customer each year, and we are not required to respond to requests made by means other than through the address provided below.

 

In the European Economic Area

 

To the extent that any resident of European Union Member States or any state belonging to the EEA (any such person, a “European Citizen”) chooses to visit or use Acrisure’s website, products or services, the acceptance and consent demonstrated by the resident through the website pop-up or other means of explicit consent will be recorded.

 

Each European Citizen that uses our website and provides us with PI is entitled to the additional protections listed below:

 

  • Right of Transparency. Through this Privacy Policy, Acrisure provides you with information about the processing of your PI in a concise, transparent, intelligible and easily accessible way at the time that the data is obtained or as soon as reasonably practicable thereafter. If you need more information about the processing of your PI or if you need clarification of any of the terms in this policy, please submit your request by contacting us as specified below.
  • Right of Access. You have the right to request access to your PI that we have processed.
  • Right of Rectification. You can request that Acrisure correct any inaccurate or incomplete PI. We will also request that all third parties with whom such PI has been shared correct the data.
  • Right of Erasure. You can request that Acrisure erase your PI without undue delay.  We will undertake a good faith effort to accommodate requests for deletion of PI. However, these requests may be subject to the evaluation of additional factors, including disproportionate burden or expense, or the risk to the rights, including the privacy rights, of others. If we are able to erase your PI, we will also make reasonable efforts to request that all third parties with whom such PI has been shared erase the data as well.
  • Right of Data Portability. If you request it, Acrisure will provide you with a copy of your PI in a structured, commonly used and machine readable format so that it may be transferred to another data controller without hindrance.
  • Right to Object. Absent compelling legitimate grounds, Acrisure shall cease the processing of PI, including the collection, possession, management, transfer and use of PI as described in this Privacy Policy, upon your request.
  • Right of Restriction. You have the right to restrict the processing of data Acrisure otherwise still stores.  In these circumstances, you may not want to request erasure, but we may restrict any further processing of your PI if:
    • You contest the accuracy of the data
    • Further processing would be unlawful
    • Acrisure no longer needs the data but you require the data in connection with legal claims
    • You have objected to the processing of your PI

 

Please direct any request to Acrisure at the contact details at the end of this Privacy Policy.

 

Information Confidentiality and Security

 

We endeavor to use reasonable physical, electronic and organizational measures to secure your PI, but no data transmission over the Internet can be guaranteed to be completely secure. Likewise, no storage or processing of your PI on the website or on other servers or databases to which the information may be transferred can be guaranteed to be completely secure. Please consider this prior to submitting your PI to us electronically or via the website.

 

We endeavor to use adequate security measures to safeguard your electronic PI – in particular:

 

  • The PI you provide us is stored in a secure computing environment protected by secure firewalls and intrusion prevention systems to avert unauthorized access.
  • We build information security into our systems and networks using administrative, technical and physical measures against unauthorized or unlawful processing, destruction or loss of PI.
  • We control access so that only people who need to access the information are authorized to access it. Acrisure’s employees are required to adhere to our policies on confidentiality and security.
  • When you access secure areas of our websites, we use the Secure Sockets Layer (SSL) protocol to provide you with a safe, secure web experience. SSL technology enables encryption (scrambling) of sensitive information, including passwords and banking information, during your online session. There are two cues to show you that you are using a secure area. First, the website address (or URL) appears as https:// (instead of just http://) – the “s” is for “secure.” Second, a lock or key indicator appears in the status bar of your web browser. We use https:// only for secure pages (e., pages that transfer confidential information). Pages that are only used for product offerings will still use the regular http:// since no sensitive information is being passed through them.
  • Secure areas of the website have a time out feature. If you leave your secure session inactive for some time, it times out to prevent unauthorized access.
  • If Acrisure provides PI to a third party per this Privacy Policy, to the extent possible, the third party shall be expected to use appropriate measures to safeguard the confidentiality and security of such PI.

 

Likewise, we endeavor to use adequate security measures to safeguard your PI stored on non-electronic media using methods similar to those listed above, including access control, employee policies on confidentiality and security, physical safeguards (e.g., locked doors and filing cabinets) and secure destruction of non-electronic media.

 

For More Information or If You Have Questions

 

Should you have further questions regarding our Privacy Policy, you may contact your Acrisure Agency Partner or Acrisure, LLC at:

 

PrivacyPolicy@Acrisure.com

or

Privacy Policy Request

Acrisure, LLC

5664 Prairie Creek Drive SE

Caledonia, MI 49316

(800) 748-0351

 

[1] When you request pages from our website, our servers log your IP address as well as information about your activities on those pages. An IP address is a number that is automatically assigned to your computer whenever you access the Internet, and which our web servers use to identify where to send the information your computer requests. We store IP addresses for fraud detection and prevention purposes, in addition to other legitimate business purposes specified in this Policy.