U.S. CONSUMER PRIVACY NOTICE - INDIVIDUAL PRODUCTS
Facts:
What Do We Do With Your Personal Information?
Why?
Financial companies choose how they share your personal information. The law gives consumers the right to limit some, but not all sharing. The law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
- social security number and employment information
- income and assets
- credit information and other consumer report information
- driving record
- medical information and insurance history
- information about any business you have with us, our affiliates, or other companies
How Do We Get Your Information?
We collect personal information from you, as well as from third parties. We also use outside sources to help ensure our records are correct and complete. Third parties include consumer reporting agencies, employers, other financial institutions, and adult relatives. Information collected may be kept by the consumer reporting agency and later given to others, as permitted by law. We don’t control the accuracy of information outside sources give us. If you want to make changes to information we receive about you, you must contact those sources. If we have asked for a consumer report about you, and you write or call us, we will give you the name, address, and phone number of the consumer reporting agency. The agency will give you a copy of the report, if you ask the agency and provide proper identification. Consumer reports may tell us about a lot of things, including:
- reputation
- work history
- driving record
- finances
- hobbies and dangerous activities
In some limited circumstances, we may ask an agency for an investigative report about you. The agency will ask others about you. We will ask them to contact you as well.
How Do We Use Your Information?
We collect personal information to help decide if you’re eligible for our products or services. We may also use it to help deter fraud or money laundering. How we use this information depends on what products and services you have or want from us. We may also use it to:
- administer your products and services
- market new products to you
- confirm or correct your information
- process claims and other transactions
- help us run our business
- perform business research
- comply with applicable laws
How Do We Protect Your Information?
We take important steps to protect your personal information. We treat it as confidential. We tell our employees to take care in handling it. We limit access to those who need it to perform their jobs. Our service providers must also protect it and use it only to meet our business needs. We take steps to protect our systems from unauthorized access. We comply with all laws that apply to us.
Reasons We Share Your Information
All financial companies need to share personal information to run their everyday business. We may share your personal information with others with your consent, by agreement, or as permitted or required by law. We may share your personal information without your consent, if permitted or required by law. For example, we may share your information with our sales agents and businesses hired to carry out services for us. We may share your information with our regulators, or with law enforcement. If you have our products because of your relationship with an employer, association, or other organization, we may share information with it and its agents, as permitted by law. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons we choose to share; and whether you can limit this sharing.
Facts:
What Do We Do With Your Personal Information?
Why?
Financial companies choose how they share your personal information. The law gives consumers the right to limit some, but not all sharing. The law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
- social security number and employment information
- income and assets
- credit information and other consumer report information
- driving record
- medical information and insurance history
- information about any business you have with us, our affiliates, or other companies
How Do We Get Your Information?
We collect personal information from you, as well as from third parties. We also use outside sources to help ensure our records are correct and complete. Third parties include consumer reporting agencies, employers, other financial institutions, and adult relatives. Information collected may be kept by the consumer reporting agency and later given to others, as permitted by law. We don’t control the accuracy of information outside sources give us. If you want to make changes to information we receive about you, you must contact those sources. If we have asked for a consumer report about you, and you write or call us, we will give you the name, address, and phone number of the consumer reporting agency. The agency will give you a copy of the report, if you ask the agency and provide proper identification. Consumer reports may tell us about a lot of things, including:
- reputation
- work history
- driving record
- finances
- hobbies and dangerous activities
In some limited circumstances, we may ask an agency for an investigative report about you. The agency will ask others about you. We will ask them to contact you as well.
How Do We Use Your Information?
We collect personal information to help decide if you’re eligible for our products or services. We may also use it to help deter fraud or money laundering. How we use this information depends on what products and services you have or want from us. We may also use it to:
- administer your products and services
- market new products to you
- confirm or correct your information
- process claims and other transactions
- help us run our business
- perform business research
- comply with applicable laws
How Do We Protect Your Information?
We take important steps to protect your personal information. We treat it as confidential. We tell our employees to take care in handling it. We limit access to those who need it to perform their jobs. Our service providers must also protect it and use it only to meet our business needs. We take steps to protect our systems from unauthorized access. We comply with all laws that apply to us.
Reasons We Share Your Information
All financial companies need to share personal information to run their everyday business. We may share your personal information with others with your consent, by agreement, or as permitted or required by law. We may share your personal information without your consent, if permitted or required by law. For example, we may share your information with our sales agents and businesses hired to carry out services for us. We may share your information with our regulators, or with law enforcement. If you have our products because of your relationship with an employer, association, or other organization, we may share information with it and its agents, as permitted by law. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons we choose to share; and whether you can limit this sharing.
Reasons We Can Share Your Personal Information
Do we share?
Can you limit this sharing?
For our everyday business purposes - such as to process your transactions, learn if you qualify for coverage, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus
Yes
No
For our marketing purposes – with service providers we use to offer our products and services to you
Yes
No
For joint marketing with other financial companies
Yes
Yes
For our affiliates’ everyday business purposes – Information about your transactions and experiences
Yes
No
For our affiliates’ everyday business purposes – information about your creditworthiness
No
Not Applicable
For our affiliates to market to you
Yes
Yes
For non-affiliates to market to you
No
Not Applicable
Reasons We Can Share Your Personal Information
Do we share?
Can you limit this sharing?
For our everyday business purposes - such as to process your transactions, learn if you qualify for coverage, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus
Yes
No
For our marketing purposes – with service providers we use to offer our products and services to you
Yes
No
For joint marketing with other financial companies
Yes
Yes
For our affiliates’ everyday business purposes – Information about your transactions and experiences
Yes
No
For our affiliates’ everyday business purposes – information about your creditworthiness
No
Not Applicable
For our affiliates to market to you
Yes
Yes
For non-affiliates to market to you
No
Not Applicable
How Can You Opt Out of Certain Information Sharing?
Affiliate Sharing/ Joint Marketing Arrangements
You may tell us not to share your information with our affiliates for their own marketing purposes or unaffiliated business partners as part of joint marketing arrangements. Even if you don’t opt out, we will not share your information with unaffiliated companies for their own marketing purposes without joint marketing arrangements. We will give you an opt-out form when we first issue your policy. You can also opt out anytime by contacting us at the address below.
What Happens When I Limit Sharing for a Policy I Have Jointly with Someone Else?
If you hold a policy or account jointly with someone else, we will accept instructions from either of you, and apply them to the entire policy or account.
Affiliate Sharing/ Joint Marketing Arrangements
You may tell us not to share your information with our affiliates for their own marketing purposes or unaffiliated business partners as part of joint marketing arrangements. Even if you don’t opt out, we will not share your information with unaffiliated companies for their own marketing purposes without joint marketing arrangements. We will give you an opt-out form when we first issue your policy. You can also opt out anytime by contacting us at the address below.
What Happens When I Limit Sharing for a Policy I Have Jointly with Someone Else?
If you hold a policy or account jointly with someone else, we will accept instructions from either of you, and apply them to the entire policy or account.
Definitions:
Affiliates
Companies related by common ownership or control. Affiliates can be financial or nonfinancial companies. Our affiliates include life, car, and home insurers and an insurance agency. In the future, we may have affiliates in other businesses.
Non-affiliates
Companies not related by common ownership or control. Non-affiliates can be financial or nonfinancial companies. We do not share personal information with non-affiliates for their marketing purposes.
Joint Marketing Arrangements
A formal agreement between non-affiliated financial companies that together market financial products or services to you. Our joint marketing partners include financial services companies.
Affiliates
Companies related by common ownership or control. Affiliates can be financial or nonfinancial companies. Our affiliates include life, car, and home insurers and an insurance agency. In the future, we may have affiliates in other businesses.
Non-affiliates
Companies not related by common ownership or control. Non-affiliates can be financial or nonfinancial companies. We do not share personal information with non-affiliates for their marketing purposes.
Joint Marketing Arrangements
A formal agreement between non-affiliated financial companies that together market financial products or services to you. Our joint marketing partners include financial services companies.
How Can I Access and Correct Information?
You may ask us for a copy of the personal information we have about you. Generally, we will provide it to you as long as it is reasonably locatable and retrievable. You must make your request in writing and provide the account or policy number associated with the information you wish to access. For legal reasons, we may not show you privileged information relating to a claim or lawsuit, unless required by law. If you tell us that what we know about you is incorrect, we will review it. If we agree, we will update our records. Otherwise, you may dispute our findings in writing. We will include your statement whenever we give your disputed information to anyone outside our company.
You may ask us for a copy of the personal information we have about you. Generally, we will provide it to you as long as it is reasonably locatable and retrievable. You must make your request in writing and provide the account or policy number associated with the information you wish to access. For legal reasons, we may not show you privileged information relating to a claim or lawsuit, unless required by law. If you tell us that what we know about you is incorrect, we will review it. If we agree, we will update our records. Otherwise, you may dispute our findings in writing. We will include your statement whenever we give your disputed information to anyone outside our company.
Who is Providing This Notice?
Farmers Property and Casualty Insurance Company; Farmers Casualty Insurance Company; Farmers Group Property and Casualty Insurance Company; Economy Fire & Casualty Company; Economy Preferred Insurance Company; Farmers Lloyds Insurance Company of Texas; Economy Premier Assurance Company and Farmers Direct Property and Casualty Insurance Company.
How Will I Know if This Privacy Notice is Changed?
We may revise this privacy notice at any time. If we make material changes, we will notify you as required by law.
Questions?
Send privacy questions to: The Privacy Office, P.O. Box 6060, Scranton PA 18505-6060 or go to www.farmers.com/privacy-center/.
Who is Providing This Notice?
Farmers Property and Casualty Insurance Company; Farmers Casualty Insurance Company; Farmers Group Property and Casualty Insurance Company; Economy Fire & Casualty Company; Economy Preferred Insurance Company; Farmers Lloyds Insurance Company of Texas; Economy Premier Assurance Company and Farmers Direct Property and Casualty Insurance Company.
How Will I Know if This Privacy Notice is Changed?
We may revise this privacy notice at any time. If we make material changes, we will notify you as required by law.
Questions?
Send privacy questions to: The Privacy Office, P.O. Box 6060, Scranton PA 18505-6060 or go to www.farmers.com/privacy-center/.