Freedom Companies Privacy Notice

Freedom National Insurance Services, Inc., Freedom National Adjustment Bureau, Inc., and Freedom General ("Freedom Companies")  respects your right to privacy. When we collect personal data about consumers, we keep it private. We have physical, electronic, and procedural security measures in place that comply with legal standards to protect personal data. The only employees who have access to personal data are those who must have it to serve to you. This notice explains how we use personal data.

Your Privacy Rights

Many consumers find helpful information in our privacy notice, mailed to you with new policies and annually thereafter, or available on our Website. When emailing us, please include "Privacy Rights" in the subject line.

Your Privacy Policy

Personal data includes any identifying information about a consumer, such as:

• Name, residence address, e-mail address, phone number
• Age, marital status, occupation, social security number
• Driving record and claim history for you and any driver in your household
• Car make and model, license number, lender or lease agent
• Credit standing, credit score, policy payment history

We collect personal data from a variety of sources, such as:

• From you in person, by telephone, or over the Internet
• From others when we investigate claims or verify accident history
• Forms you submit to us, such as applications, claims, or policy updates
• Your transactions with us, such as claims, premium payments, account balance and history
• Credit bureaus to determine your credit standing, which may affect the availability of payment plan options or your rate, depending upon your state law
• The state records to verify driving record, auto title, or license status for each driver in your household

We do not sell personal data or customer lists to anyone. We only disclose data about you as allowed or required by law. In those instances, we may disclose personal data without your prior consent. Our disclosures may include any personal data that is necessary to help others provide an insurance service on our behalf, or to satisfy a lawful request.

We may disclose personal data we collect to:

• Freedom Companies' affiliates who share a common database and provide personal insurance services
• Service Providers that assist us with underwriting, processing payments, or adjusting claims
• Service Providers that assist us in preparing or sending our newsletters and special offers
• Medical-care facilities or providers, to verify coverage and benefits on injury claims
• A court or government agency when there is a lawful request
• Assist law enforcement and prevent fraud
• Service Providers that assist us when we process, evaluate or defend medical claims. We will get your written permission first, and share only medical data necessary to complete the evaluation or service.
• Service Providers that assist us in technology development and maintenance, such as software development.

Our Service Providers:

When we use Service Providers to help us with services shown above, your personal data stays confidential. Our Service Providers agree to keep consumer data private and not use it for any other purpose. We do not share or sell consumer data to companies outside of Freedom Companies that would use it for marketing their products or services. We do not share credit information for marketing, or for any other reason.

Insurance Data Banks:

We share personal data with insurance data banks that collect information about claim history, accident fault, injury description, and amounts paid. Insurance data banks may retain personal data and disclose it to other insurance companies and others legally entitled to see it.

Current and Former Customers:

We send current customers a privacy notice each year. If we change our practices, we will inform you promptly. We treat former customer data the same way as current customer data.

If you wish to review your personal data, please send a written request to:

Freedom Companies Privacy Coordinator
PO Box 7820
Newport Beach, CA 92658

Include your name, address, telephone number, and policy number. Let us know what kind of data you want to see. We may charge a small fee to collect and send the data to you.

If you see any mistakes, let us know and we will review it within 30 days. If we agree, we will correct our files and, at your request, send corrections to anyone who received incorrect data from us in the past 2 years. If we disagree, you may file a short statement of dispute with us. Your statement will be included with any data we disclose in the future. We will also send the statement to anyone you ask who received your data from us in the past 2 years.

FreedomGeneral.com supports SSL and up to 256-bit encryption to protect data when you use any of our website features: quotes and policy purchases, claim reports, live chat, phone call-back, making payments and policy changes. When you request a quote your data is encrypted as it travels between your computer and our server. You must have a password and ID to see your personal data and policy details on line.

We use cookies (a small text file stored on your computer) to evaluate your questions and requests, so that we can tailor insurance services to meet your needs. They help us keep track of your preferences, and help streamline your session.

Cookies also help us improve service. We use cookies to track how people navigate through the site and use web features. They help us evaluate quote sessions and other forms, to make the website quick and easy to use. These cookies collect data that we use to improve the website. For instance, we may collect data about the website pages visited, last page visited before FreedomGeneral.com, and the time and duration of a visit. These cookies identify the desktop web browser, not a specific person and contain no personal information.

With your permission, we will occasionally send e-mail to you about our new products or special promotions. If you don't want to receive e-mail from us, or you have any questions about Internet Privacy, contact us at Privacy@FreedomGeneral.com.

Updated 7/19/2006.

 

Cookie:   A small text file saved in your computer when you access certain Web pages. Cookies identify you to the Web site that gave you the cookie.

Digital certificate:   A small file that can be transferred to your computer and used for authentication. Once installed, it can be automatically used as needed.

Internet protocol (IP) address:   A string of numbers that are translated into a domain name.

Operating system:   The program responsible for overseeing the basic hardware resources of a computer. UNIX, DOS, Windows, and Macintosh System 7 are examples of operating systems.

Secure server:   A computer system set up to provide privacy, integrity, and authentication in communications. (See SSL).

Security protocol:   A specification that describes how computers will talk securely to each other on a computer network.

Secure Sockets Layer (SSL):   A protocol that delivers server authentication, data encryption, and message integrity. SSL encrypts Internet communications.

Session ID:   The code used to keep track of a person as they interact with a server.

Site certificate:   This is the same as a digital certificate, but it is used on the server rather than at the browser.

128-bit encryption, 256-bit encryption:   A way of making data unreadable to everyone except the receiver. It's a common way of sending credit card numbers and data over the Internet. It is used by SSL.