Carriers Privacy Policies

GMAC Insurance Personal Lines Privacy Notice

The GMAC Insurance Personal Lines Group* is giving you this notice to tell you how we may collect and share nonpublic personal information about you and the accounts you have with a company (or companies) in the GMAC Insurance Personal Lines Group. This notice also advises you of your right to keep this information from being shared with affiliates of the GMAC Insurance Personal Lines Group** or other business associates (non-affiliates) under certain circumstances and your right to limit marketing, in some cases.

What Nonpublic Personal Information Do We Collect About You?

We collect non-public personal information about you from the following sources:

Information we receive from you, such as information on applications or other forms, which may include your name, address, e-mail address, social security number and driving history.
Information about your transactions with us, our affiliates, or others, such as your account balance and payment history.
Information we receive from outside sources such as consumer reporting agencies, insurance agencies and state motor vehicle departments which may provide information on your credit history, credit score, driving and accident history, or prior insurance coverage in place.

How Do We Protect The Information That We Collect About You and Your Accounts?

To protect the privacy and security of nonpublic personal information we collect about you, we restrict access to the information to our employees, agents and subcontractors who need this information to provide products and services to you. We maintain physical, electronic, and procedural safeguards that comply with applicable federal and state laws and regulations to guard your non-public personal information. We strive to keep our information about you accurate. If you tell us of an error, we update our records promptly. If you wish to review or correct personal information on your account, please write to us at the address on your account statement or other account materials.

Do We Share The Information We Collect About You and Your Accounts?

Yes, to provide you with superior service, inform you of product and service opportunities that may be of interest to you, or for other business purposes, we may share all of the nonpublic personal information we collect about you and your accounts, as described above, as permitted by law. Our sharing of information about you is subject to Your Rights, described below.

For Vermont Residents Only: Based on Vermont law, we do not share nonpublic personal information about you with affiliates or non-affiliated third parties, other than as permitted by law. We automatically treat your accounts as if you made the Information Sharing and Affiliate Marketing opt out elections described below.

What Types of Affiliates and Non-affiliated Third Parties Do We Share Information About You With?

Subject to Your Rights, detailed below, we may share nonpublic personal information about you with the following types of affiliates and non-affiliated third parties:

Financial service providers, such as mortgage bankers, credit card issuers, insurance companies, and insurance agents.
Non-financial companies, such as credit reporting agencies, manufacturers, motor vehicle dealers, retailers, direct marketers, telecommunications companies, airlines, and publishers.
Companies that perform marketing services on our behalf or with other financial institutions with which we have joint marketing agreements.
Others, such as educational institutions.
We may also share nonpublic personal information about you with affiliates and non-affiliated third parties, as permitted by law.

*Reference to the GMAC Insurance Personal Lines Group in this notice includes the following companies: GMAC Insurance Company Online, Inc., GMAC Insurance Marketing, Inc., GM Motor Club, Inc., Home State County Mutual Insurance Company - Administered by Integon National Insurance Company or National General Insurance Company, Integon Casualty Insurance Company, Integon General Insurance Corporation, Integon Indemnity Corporation, Integon National Insurance Company, Integon Preferred Insurance Company, MIC General Insurance Corporation, National General Assurance Company, National General Insurance Company, New South Insurance Company.

**Affiliates of the GMAC Insurance Personal Lines Group include: companies in the GMAC Insurance Personal Lines Group referenced in this notice, and companies that now or in the future control, are controlled by, or are under common control with a company in the GMAC Insurance Personal Lines Group.

Do We Share Information About Former Customers?

Yes, subject to Your Rights - detailed below, we may share all of the nonpublic personal information described above about our former customers with the same types of affiliates and non-affiliated third parties, as described above, as permitted by law.

Your Rights:

Information Sharing

If you want a company in the GMAC Insurance Personal Lines Group not to share nonpublic personal information about you with affiliates, non-affiliated third parties, or both, you may opt out of Information Sharing. That is, you may direct the company in the GMAC Insurance Personal Lines Group not to share information (other than as permitted by law). (Information Sharing permitted by law includes, for example, sharing with companies that work for a company in the GMAC Insurance Personal Lines Group to provide the product or services you request and sharing with affiliates about our transactions or experiences with you.)
Your Information Sharing opt out direction will apply to nonpublic personal information, as described above, that the company in the GMAC Insurance Personal Lines Group has collected about you and your existing accounts.

Affiliate Marketing

Federal law gives you the right to limit some but not all marketing from the companies in the GMAC Insurance Personal Lines Group and their affiliates. You may limit companies in the GMAC Insurance Personal Lines Group and their affiliates from marketing their products or services to you based on nonpublic personal information about you that they receive from a company in the GMAC Insurance Personal Lines Group. This information includes income, account information, credit history, and payment history.
Your choice to limit Affiliate Marketing will apply to nonpublic information about you and your existing account.

How to Opt Out of Information Sharing or Limit Affiliate Marketing:

If you wish to opt out of Information Sharing with affiliates, or with non-affiliated third parties, or with both, or to limit Affiliate Marketing, other than as permitted by law, please complete the form (Download Opt Out Form) and return it to the following address:

GMAC Insurance
Customer Relations-Opt Out
PO Box 66937
St. Louis, MO 63166-6937
Each time you establish a new account with a company in the GMAC Insurance Personal Lines Group, you will receive a privacy notice and an opportunity to opt out of Information Sharing and limit Affiliate Marketing for that account, as permitted by law.
If you have a joint account with another person, either of you may opt out of Information Sharing or limit Affiliate Marketing (other than as permitted by law) for both of you.

Commerce West Insurance Privacy Policy

In order to process an insurance transaction with us, you have provided personal information about yourself, some of which may be nonpublic in nature. We have a high regard for the privacy of our customers and want you to know how we handle your personal information. The following contains a description of the types of information we collect about you, and how that information is used and protected. This privacy statement describes our privacy practices for both our current customers and former customers, and is provided in compliance with applicable federal and state law.

Types and Sources of Information We Collect About You

We may collect information about you, including nonpublic personal information, from the following sources:

Information we receive from you on your application for insurance, as well as other forms related to your insurance with us,
Information about your transactions with us, which may include your payment and payment history, claims history and investigation files, and policy coverages and limits;
Information from your independent insurance agent or broker;
Information we receive from consumer reporting agencies;
Information we receive from governmental agencies or independent reporting agencies, which may include motor vehicle reports, claims reports and property inspections; and,
Information that you voluntarily provide through our website for us to provide an agent for purposes of providing a quote or application for insurance.

Our Use of the Information We Collect About You

We use the information we collect about you, including the nonpublic personal information, only for purposes of effecting, administering, enforcing and servicing your insurance with us. We do not disclose any nonpublic personal information about you to any affiliated or nonaffiliated third parties, except as permitted by law. We may provide your nonpublic personal information to your independent insurance agent or broker, or to nonaffiliated third parties who are non-financial companies that provide services to us, or perform functions on our behalf. We do not sell or to otherwise share your information with anyone for marketing purposes.

Protection of Your Information

We restrict access to the nonpublic information about you to our employees, agents, and subcontractors who need this information to provide our products and services to you. The Commerce Group, Inc. has adopted and maintain information security programs that include administrative, technical and physical safeguards to protect the security, confidentiality and integrity of your nonpublic personal information.

Your Independent Broker

Your independent insurance agent or broker is not an employee of The Commerce Group, Inc. and is not subject to this privacy statement.

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