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Privacy Policy

BCS Financial Corporation Website Privacy Notice

 

About this Policy

This policy describes our practices on this website and our mobile sites and smart phone applications where this policy is located.

This policy describes the privacy policy of BCS Financial Corporation (“BCSF”) and also common aspects of the privacy policies of our insurance businesses.

As each of our businesses manages their own individual privacy policies, you may also look on their website pages. Our businesses are not all subject to the same laws and may have different practices.

This policy does not apply to any non-BCSF Corporation affiliates. It also does not apply to the practices of our licensees or business partners. These might include, for example, vendors or advertisers.

Your Requests and Submissions on this Website

When you are on this website, you may take certain types of action, such as asking a question about a particular insurance issue or product. BCSF owns insurance companies but is not itself in the business of insurance. Your request and information will be shared so that the responsible BCSF business or their agent may take appropriate action.

Categories of Information Collected by Our Companies

Our companies collect and maintain a wide range of nonpublic personal information about prospective, current and former insured’s and others. Here are some examples of the types of information that our insurance businesses may collect:

Contact: We might collect your name, and home and business address. We might also collect your email address and telephone numbers.

Financial: We might collect your credit card number or other payment information and payment history.

Insurance: We might collect information about your insurance claims. We might also collect your social security number and driver’s license number.

Demographic: We might collect information about your marital status or your family members.

Other: We might collect information about the type of browser you use. We might also look at what part of our sites you visit. We might also collect information about the links you select on our sites that take you to third party websites.

How Information About You is Collected

Our companies are engaged in a variety of insurance businesses and may collect information about you a variety of different ways. Here are some examples:

We may collect information directly from you. For example, we may collect information when you make an insurance request, decide to make a purchase, or submit an email or form to us.

We may collect information from you passively. For example, we might use tracking tools like cookies and web beacons. We might also use pixel tags.

We may get information from third parties. For example, our businesses might get information about you from a credit reporting agency and other authorized providers of personal information.

How Your Personal Information is Used

Our companies may use your personal information a variety of different ways. Here are some examples:

To process your requests. For example, our businesses will use your information to generate a rate quote.

As described when your information was collected.

For marketing purposes. For example, as permitted, our businesses may use your information to tell you about themselves or about products or services they think you will like.

To customize your experience with us. For example, to tailor your website visit to fit your interests.

For our other legitimate business purposes. For example, we may combine information that we get about you from third parties with information we already have.

As otherwise permitted by law.

How We Share Information

With vendors and others who provide services for us. For example, our insurance businesses might share your information with insurance agents or insurance brokers. We might also share your information with companies that maintain databases used by the insurance industry.

With a successor to all or part of our business. For example, if part or all of our BCSF companies or business was sold we might sell the customer list as an asset in the transaction.

For legal reasons or to investigate fraud. Our businesses will disclose information to compliance assessors. These include insurance regulators and auditors. We may also disclose information in response to a court order or subpoena. We will also share information if we believe it is necessary to cooperate with law enforcement. We might also share information in response to a government request. We will also share information as otherwise permitted by law.

As part of our insurance business. For example, our businesses may share information with insurance rating organizations. We might also share information with credit reporting agencies, guaranty funds, and compliance assessors.

With our affiliates as permitted by law. For example, we will not share your personal information with other BCSF companies for marketing purposes except as allowed by applicable law.

We will also share information for other valid business purposes as permitted by law.

Your Choices

You can choose not to provide us with some or all requested information. If you do not provide it, though, we may not be able to fulfill your request. You can also set your browser up to reject cookies. If you do this, some of the features of our website will not work.

How We Secure Information

We take reasonable steps to protect personal information. These steps vary depending on the type of information we have. These steps include computer safeguards and secured files and buildings.

The Internet is public and we cannot promise that your information will remain secure. We thus encourage you to use caution when disclosing information online. Do not share your passwords with other people and select passwords that are secure.

We retain your information for as long as necessary to carry out the purposes described here. We will also store information for as long as we are required to legally. Our information storage practices are not affected by the termination of any customer relationship.

International Visitors

Our sites are operated in the United States. Our businesses only sell insurance in the United States. If you are located outside of the United States, please be aware that information you provide to us may be sent to the United States. By using our sites and giving us your information, you agree to such transfer. You also understand that the U.S. may not provide the same level of protections as the laws of your country.

Links

Our sites might have links to third-party sites. If you click on one of those links, you will be taken to websites we do not control. This policy does not apply to the information practices of those sites.

Children

We also do not direct our sites to children under the age of 13. We thus do not knowingly collect personally identifiable information from children under the age of 13. If you are a parent of a child under 13, and you believe that your child has provided us with information about him or herself, please contact us. To learn more about how to protect your child online, visit the FTC’s website. You may also want to read the helpful information about kids and privacy that the FTC provides.

California Consumer Privacy Act Notice of Collection

The California Consumer Privacy Act (“CCPA”), which provides California Consumers certain rights regarding their Personal Information (“PI”) as those terms are defined in the CCPA, became effective on January 1, 2020. As of that date, the California Attorney General had not completed the rule making process to establish the regulations for businesses to implement the law.

In the meantime, we are providing you with notice of the PI we collect and our purposes for that collection for data that may be subject to the CCPA (“CCPA Notice”). This CCPA Notice does not cover information that is outside of the scope of the CCPA, including data we collect and process as necessary to operate our insurance businesses, which is regulated by the Health Insurance Portability and Accountability Act of 1996 and the Gramm-Leach-Bliley Act of 1999. This notice also does not apply to data collected from employees, applicants or contractors or to data collected from individuals acting as representatives of another business in connection with business communications or transactions.

We collect and share the following PI that may be subject to the CCPA for the following purposes:

Category/Examples Collected
A. Identifiers.
A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security number, driver’s license number, passport number, or other similar identifiers.
YES
B. Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)).
A name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number, driver’s license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information. Some personal information included in this category may overlap with other categories.
YES
C. Protected classification characteristics under California or federal law.
Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information).
YES
D. Commercial information.
Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.
NO
E. Biometric information.
Genetic, physiological, behavioral, and biological characteristics, or activity patterns used to extract a template or other identifier or identifying information, such as, fingerprints, faceprints, and voiceprints, iris or retina scans, keystroke, gait, or other physical patterns, and sleep, health, or exercise data.
NO
F. Internet or other similar network activity.
Browsing history, search history, information on a consumer’s interaction with a website, application, or advertisement.
NO
G. Geolocation data.
Physical location or movements.
NO
H. Sensory data.
Audio, electronic, visual, thermal, olfactory, or similar information.
NO
I. Professional or employment-related information.
Current or past job history or performance evaluations.
NO
J. Non-public education information (per the Family Educational Rights and Privacy Act (20 U.S.C. Section 1232g, 34 C.F.R. Part 99)).
Education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records.
NO
K. Inferences drawn from other personal information.
Profile reflecting a person’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.
NO

If you are a California Consumer and would like to register a request pursuant to your CCPA “right to know about personal information collected, disclosed or sold” (including right to obtain copies of specific pieces and/or information about categories of personal information practices), “right to request deletion of personal information,” or “right to opt-out of the sale of personal information,” you can contact us at privacyofficer@bcsf.com and we will respond to your request when we are able to do so in accordance with the upcoming regulatory guidance on how to properly verify you and respond to your requests. You may also submit your request via our online form by clicking here.

We will revise this CCPA Privacy Notice from time to time as implementing regulations further develop and take effect and we are able to provide you with better information on your CCPA rights and how to exercise them.

Other Questions

You can contact us by email at privacyofficer@bcsf.com.