Notice of Privacy Policy for PolicyBright

This Notice of Privacy Policy is provided the first time we do business with you and upon request or as required by law thereafter.

Overview

This Notice describes how we protect, collect, use, and share customer information. Customer information refers to all nonpublic information related to an identified individual, sometimes called personally identifiable information. It does not include anonymized or de-identified data.

Customer Information We Collect

We collect customer information in various ways, including:

• Applications and forms related to our products and conversations with PolicyBright representatives and agents.
• Use of our website, mobile sites and applications, social media sites and applications, and interactions with online advertisements.
• Transactions or experiences with us, such as payments, underwriting, and claims.
• Within PolicyBright affiliated companies.
• Non-PolicyBright parties, including consumer reporting agencies providing information such as driving records, claim histories, and credit information.

How We Use Customer Information

We use customer information, including consumer report information, for:

• Underwriting and rating your policies and accounts.
• Processing claims.
• Protecting against fraud and unauthorized transactions.
• Providing proper billing.
• Confirming your identity and servicing your policies and accounts.
• Enhancing your customer experience and improving our products and services.
• Offering you other insurance and financial services products.
• Developing and offering new products and services.
• Creating anonymized or de-identified data by removing personally identifiable information for analysis or other commercial purposes as permitted by law. We share and use this data within our affiliated companies, third-party service providers, or unaffiliated entities.

How We Share Customer Information

We share customer information, including transaction and experience information, within PolicyBright to meet your product and service needs. We share customer information inside or outside our family of companies:

• For everyday business purposes, public policy purposes, and as permitted or required by law.
• As needed to handle claims, such as sharing information with an auto body shop to expedite repairs.
• With consumer reporting agencies during the underwriting process.
• In connection with a proposed or actual sale, merger, transfer, or exchange of all or part of our business or operating unit.
• To protect against fraud and unauthorized transactions and in connection with the investigation, establishment, and defense of legal rights.

Information for Internet, Mobile, Application, and Social Media Users

PolicyBright’s websites and mobile applications may use tracking technologies like browser cookies, “Local Shared Objects” (such as “Flash” cookies), analytical tools, device IDs, and others. We collect technical information about your device, such as user-agent, timestamp, hardware type, language and time zone settings, IP address, OS type and version, and installed fonts.

Clicking on third-party links will take you to websites we do not control, and our Notice does not apply to their privacy practices. Review the privacy policies of other websites carefully.

Some operating systems, like Apple’s, allow mobile application users to request account deletion. If you request account deletion, PolicyBright may still retain your information for legal, auditing, regulatory, and business purposes. Retention periods vary based on specific needs.

A request to delete an account within the mobile application applies only to the credentials and account created within the Application, not to other accounts you may have with PolicyBright.

Other Important Information

Please contact your agent for name/address changes or policy/coverage questions.

If we make a material change to this Notice, a revised version will be made available to you.

Residents of California: We may collect customer information from persons other than those applying for coverage. This information, along with other personal or privileged information subsequently collected, may be disclosed to third parties without your authorization as permitted by law. For additional information about the collection and disclosure of customer information or to see and correct any customer information in our files, please contact your PolicyBright agent.

Residents of Nevada: Nevada law requires us to disclose that you may elect to be placed on our internal “do not call” list if you do not wish to receive marketing calls from PolicyBright. If you are already on our “do not call” list, please disregard this notice. You may request to be placed on PolicyBright’s “do not call” list by:

• Contacting your PolicyBright agent.
• Visiting our website and submitting the Do Not Solicit form.
• Writing to us at: PolicyBright LLC 201 NE Park Plaza Dr, Suite 160 Vancouver, WA 98684

Please provide your name, address, and all telephone numbers you wish to be placed on our list. For questions about Nevada’s “do not call” law, contact us at the address listed above or the Nevada Attorney General at:

Office of the Nevada Attorney General
Bureau of Consumer Protection
555 E. Washington Avenue, Suite 3900
Las Vegas, NV 89101