A+ California Casualty Auto & Home Insurance: Privacy Policy

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Your privacy is important to us! This Privacy Notice applies to all information collected or submitted on our www.californiacasualty.com, www.calcas.com, www.APlus.com and www.MyAPlus.com Web sites ("our A+ Web sites"). We have established strict standards to maintain the privacy and security of information we collect over the Internet.

In addition to Internet privacy and security, California Casualty Management Company is also committed to general consumer privacy and security. California Casualty Management Company has taken the necessary action to ensure our compliance with the federal privacy requirements of the Gramm-Leach-Bliley Act by the Act's mandated compliance deadline of July 1, 2001.

What types of personally identifiable information do we collect on our A+ Web sites?

"Personally identifiable information" means information, collected on our A+ Web sites, that is linked to an individual identifier, such as name or e-mail address, and can be retrieved and associated with a specific individual during the ordinary course of business.

We may collect personally identifiable information on our A+ Web sites from you if you ask to receive a policy quote, request a policy change, pay a bill, process a claim, or send us feedback. We may collect information about you, other drivers in your household, your vehicles and your home to provide a basis for underwriting, rating, servicing, adjusting claims and collecting premium for A+/California Casualty insurance.

Specific types of general information that we may collect online for both auto and property insurance include:

Applicant name, address, home and work phone, fax, e-mail address
Social security number
Information about your current insurance
Types of coverages and limits desired
Credit card number, bank account number, payroll number [depending upon the payment plan you select]

Specific types of additional information that we may collect online for auto insurance include:

Names of other drivers in household
Driver information for applicant and household members, including:
- gender, marital status, relationship to applicant, birth date
- occupation, employer, year hired, trade association membership
- driver's license number/state, licensing dates
- accidents/claims/moving violations
- existence of prior insurance coverage (including dates, policy number, carrier)

Specific types of additional information that we may collect online for property insurance include:

Property information, including
- Property address, county, fire district, distance to fire hydrant/fire station, within city limits?
Household members, including
- Are all household members non-smokers? Is applicant 55 or older and retired? What is the applicant's age?
- How many non-relatives are living on the property?

Whenever we collect sensitive personally identifiable information on our A+ Web sites, we use secure socket layer "SSL" encryption.

What is our policy about sharing personally identifiable information collected on our A+ Web sites with third parties?

We do not share, without your permission, personally identifiable information collected on our A+ Web sites about you and other members of your household with outside parties who might use the information to market their products or services to you.

As a necessary part of our business of providing auto and home insurance, we do share such information with selected agents, contractors and outside parties, including our trade association partners, who provide services that support core functions our company performs in the course of operating our auto and home insurance business, including sales, marketing, underwriting, claims and premium collection.

We will also share information necessary to comply with an order issued by a court or governmental agency of competent jurisdiction.

We require our agents and contractors to hold the personally identifiable information we share with them in the strictest confidence, and to agree not to disclose any personally identifiable information except to carry out the purposes for which we disclosed the information to them.

Exceptions are as follows:

We submit individual claim information to insurance database services that maintain automobile and property claims data. These database services make this historical claims data available to participating insurers for underwriting purposes and fraud detection.
Where we are unable to collect earned premium due us, we will authorize, on a customer by customer basis, our collection agency vendor to submit personally identifiable information including name, address, policy number and past due premium amount to one or more of the following credit reporting agencies: Equifax, Experian, TransUnion.
During the course of adjusting and paying claims, a function integral to our business, we do not require our field personnel to execute or maintain contracts or confidentiality agreements with certain classes of vendors, including body shops, building contractors, independent medical examiners, attorneys, independent adjusters/appraisers, specialty vendors (glass shops, replacement services, tow services, car rental companies, restoration services, appraisers), private investigators and PPO providers.
During the course of underwriting insurance policies, a function integral to our business, we do not require our field personnel to execute or maintain contracts or confidentiality agreements with state motor vehicle departments.

Only by choosing not to do business with us can this necessary information sharing be avoided.

What is our policy about using personally identifiable information collected on our A+ Web sites to market our own auto and home insurance products?

With respect to direct mail and telephone marketing, if you do not want information collected on our A+ Web sites to be used by us to market our own auto and home insurance products to you, then you can instruct us to remove you from our marketing lists:

If you receive a direct mail piece from A+/California Casualty, you can request to be removed from our direct mail list by contacting California Casualty Management Company's Marketing Services Department at 650-574-4000 x4453.
If you are contacted by phone by an A+/California Casualty representative, you can request that the representative remove you from our telephone marketing list.

What type of security do we maintain?

To prevent unauthorized access, maintain data security, and ensure the correct use of information, we have put in place appropriate physical, electronic and managerial procedures to safeguard and secure the information we collect online.

How can you access or correct your information?

You can access your personally identifiable information that we collect and maintain online by contacting us via e-mail at You can request that factual errors in your personal information be corrected by sending us a request that shows the factual error. You may e-mail your correction request to the email address above; you may call a customer service representative with your request; or you may mail us your request. You can find the telephone number and address of our office serving your state on the Locate Us page of our Web site. To protect your privacy and security, we will take reasonable steps to verify your identity before granting access or making corrections.

Should you have other questions or concerns about our privacy policy, please call our privacy manager at 650-572-4342 or send us an e-mail at the email address listed above.

Effective: July 31, 2002

© 2006 California Casualty Management Company. All rights reserved.

Definitions

Agent: An agent is any person or organization (other than an employee) that performs services for CCMC under an express or implied agreement and is subject to CCMC's control or right to control in the manner and means of providing the service.

Contractor: A contractor is any person or entity who, as part of an independent business, becomes obligated to provide goods and/or services to CCMC.

Outside Party: An outside party is any party that is not an agent or contractor.