Agents | Agent Resources | Privacy Policy
Privacy Policy
The protection of our policyholders’ non-public personal information has always been a core part of our business. Nothing is more important to us than your trust, and we are committed to respecting and safeguarding that trust.
This Privacy Policy explains what information we collect, how we use it, how we protect it, and the choices you have regarding your information.
Information we collect about you
Most of the information we collect comes directly from you. This may include your name, address, email address, mobile phone number, driver’s license number, vehicle information, and other details you provide when completing applications, requesting quotes, submitting forms, or communicating with us.
If additional information is required to issue, maintain, or service your policy, or to verify information you have provided, we may obtain it from third parties such as adult members of your household, other insurers, reporting agencies, or public records (including Motor Vehicle Records).
We collect and use this information to:
- Issue, maintain, and service insurance policies
- Process policy changes and claims
- Communicate with you regarding your policy, billing, or requests
- Comply with legal and regulatory obligations
Information Collected Automatically
We also collect certain information automatically when you visit our website through the use of cookies, tracking pixels, and similar technologies. This information may include IP addresses, browser type, device identifiers, cookie identifiers, pages viewed, how you interact with our site, and referring website information.
This data is used to enhance user experience, analyze site performance, and support targeted or interest-based advertising. You may opt out of certain interest-based advertising by using the opt-out tools provided by Adobe or Google, or by visiting: http://www.aboutads.info.
SMS / Text Messaging Communication
If you provide your mobile phone number, you may choose to opt in to receive text messages (SMS/MMS) from American Collectors. These messages may include, but are not limited to, quote follow-ups, policy servicing communications, billing notifications, claims updates, reminders, and customer support messages.
By opting in, you expressly consent to receive automated and non-automated text messages at the mobile number you provide. Message frequency may vary depending on your interactions with us. Message and data rates may apply.
Consent to receive text messages is not a condition of purchasing insurance or any other product or service.
Opt Out and Help
You may opt out of receiving text messages at any time by replying STOP to any message you receive from us. You may receive a confirmation message, and no further messages will be sent unless you choose to re-enroll.
For assistance, reply HELP or contact us using the contact information provided on our website.
Use and Protection of SMS Data
We may use third-party service providers to deliver text messages on our behalf. These providers are authorized to use your information only to provide these services and are required to safeguard your information in accordance with applicable laws and industry standards.
We do not sell, rent, or share mobile phone numbers collected for SMS purposes with unaffiliated third parties for their own marketing purposes.
Keeping Your Information Secure
We treat all personal information as confidential. Access to your information is limited to employees who need it to perform business functions, such as servicing policies, processing claims, or responding to your requests. All employees are trained on privacy and data protection responsibilities.
We safeguard information using physical, administrative, and electronic security measures and require compliance with established privacy and information security policies.
Who We Share Information With
We may disclose personal information to non-affiliated third parties only as permitted by law. These disclosures generally occur when necessary to conduct our business, such as sharing information with:
- Information technology and service providers
- Auditors, consultants, and research partners
- Law enforcement or regulatory agencies
We do not sell personal information to third parties. We do not share information with companies outside of the American Collectors family for their own marketing purposes.
We share information with our underwriting company as necessary to provide the services you have requested and to fulfill legal, regulatory, tax, and reporting obligations.
Your California Privacy Rights
California residents may have additional rights regarding their personal information under applicable law. These rights may include the ability to request access to or deletion of certain personal information and to receive information about disclosures made for business purposes. Additional details are available in our Your California Privacy Rights section.
Questions and Contact Information
All new policyholders receive a written privacy statement from both American Collectors and our underwriting company. If you have any questions regarding this Privacy Policy or our privacy practices, please contact us using the information provided on our website.