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 depends on the product or service you have with us. This information can include:

  • Personal Identifiers: Name, alias, address, social security number, date of birth, passport number, unique personal identifier, on-line identifier, IP address, e-mail address, account name, government issued identification number, phone number, signature.
     
  • Personal Characteristics: Gender, demographic, medical and health information, convictions, marital status, offspring, driving record, family member/other status, and other descriptions of your physical characteristics. 

  • Commercial Information: Personal property, insurance policy number, medical information, or health insurance information, purchased products or services, considered products or services, purchasing or consuming histories or tendencies. 

  • Biometric Information: Voice print, photo. 

  • Internet or network activity: Information regarding your interactions with websites, applications, and advertisements, browser type, electronic communications, IP address, cookies.

  • Geolocation: IP address, physical address, telephone number, state, municipality, location, devices, applications on mobile and computer devices. 

  • Audio, electronic, visual, thermal, olfactory: Audio, electronic, photo, visual information, such as a call or video recording, voicemail messages. 

  • Professional information and Employment information/Education Information: Job titles, work history, school attended, employment status, veteran, or military status.

  • Education Information: Job titles, work history, school attended, marital status, e-mail, telephone recordings.

  • Inferences: Preferences, behaviors, characteristics, trends, predispositions, attitudes, abilities, and aptitudes.

  • Sensitive Personal Information: Social security number, driver’s license number, state ID card, account login, precise geo-location, bank account number, credit or debit card number, or any other financial information, trade union membership, your communications with us.

 

How Do We Get Your Information?

We collect personal information about you and the members of your household from the following sources:

  • Information you provide on applications or other forms, such as your social security number, assets, income, and property information.

  • Information about your transactions with us, our affiliates, or others, such as your policy coverage, premiums, and payment history.

  • Information from your visits to the websites we operate, use of our mobile sites and applications, use of our social media sites, and interaction with our on-line advertisements.

  • Information we receive from consumer reporting agencies or insurance support organizations, such as motor vehicle records, credit report information, and insurance claim history.

  • Information we receive from employers, associations you belong to, other financial institutions, or, in limited circumstances where we request an investigative consumer report, from your friends, neighbors, family, or associates.

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, and 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 chart 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.

How long do we retain your information?

We retain your personal data for as long as reasonably necessary to fulfill the purpose for which it was collected, or to comply with legal, regulatory, or internal procedures or obligations.  

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 depends on the product or service you have with us. This information can include:

  • Personal Identifiers: Name, alias, address, social security number, date of birth, passport number, unique personal identifier, on-line identifier, IP address, e-mail address, account name, government issued identification number, phone number, signature.
     
  • Personal Characteristics: Gender, demographic, medical and health information, convictions, marital status, offspring, driving record, family member/other status, and other descriptions of your physical characteristics. 

  • Commercial Information: Personal property, insurance policy number, medical information, or health insurance information, purchased products or services, considered products or services, purchasing or consuming histories or tendencies. 

  • Biometric Information: Voice print, photo. 

  • Internet or network activity: Information regarding your interactions with websites, applications, and advertisements, browser type, electronic communications, IP address, cookies.

  • Geolocation: IP address, physical address, telephone number, state, municipality, location, devices, applications on mobile and computer devices. 

  • Audio, electronic, visual, thermal, olfactory: Audio, electronic, photo, visual information, such as a call or video recording, voicemail messages. 

  • Professional information and Employment information/Education Information: Job titles, work history, school attended, employment status, veteran, or military status.

  • Education Information: Job titles, work history, school attended, marital status, e-mail, telephone recordings.

  • Inferences: Preferences, behaviors, characteristics, trends, predispositions, attitudes, abilities, and aptitudes.

  • Sensitive Personal Information: Social security number, driver’s license number, state ID card, account login, precise geo-location, bank account number, credit or debit card number, or any other financial information, trade union membership, your communications with us.

 

How Do We Get Your Information?

We collect personal information about you and the members of your household from the following sources:

  • Information you provide on applications or other forms, such as your social security number, assets, income, and property information.

  • Information about your transactions with us, our affiliates, or others, such as your policy coverage, premiums, and payment history.

  • Information from your visits to the websites we operate, use of our mobile sites and applications, use of our social media sites, and interaction with our on-line advertisements.

  • Information we receive from consumer reporting agencies or insurance support organizations, such as motor vehicle records, credit report information, and insurance claim history.

  • Information we receive from employers, associations you belong to, other financial institutions, or, in limited circumstances where we request an investigative consumer report, from your friends, neighbors, family, or associates.

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, and 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 chart 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.

How long do we retain your information?

We retain your personal data for as long as reasonably necessary to fulfill the purpose for which it was collected, or to comply with legal, regulatory, or internal procedures or obligations.  

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: a) our affiliates for their own marketing purposes, and, b) with unaffiliated businesses we work with, 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: a) our affiliates for their own marketing purposes, and, b) with unaffiliated businesses we work with, 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. 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. 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/.