Privacy Practice Title Bar

Privacy Practice

What We Do To Protect Your Privacy

What We Do To Protect Your Privacy

At Auto-Owners Insurance GroupSM*, we value your business and we want to retain your trust. In the course of providing products and services, we may obtain nonpublic personal information about you. State and Federal laws prohibit unauthorized disclosure of nonpublic personal information. We assure you that such information is used only for the purpose of providing our products and services to you.

Information We Obtain

To assist in underwriting and servicing your policy, we may obtain nonpublic personal information about you. For example, we routinely obtain information through applications, forms related to our products or services, and your transactions with us. We may obtain such information from our affiliates, third parties or consumer reporting agencies. The information may include your name, address, telephone number and payment, credit and claim information. In addition, for life, annuity and disability products, we may obtain your medical history with your permission. The nature and extent of the information we obtain varies based on the nature of the products and services you receive.

Limited Disclosure

Auto-Owners Insurance Group Companies do not disclose any nonpublic personal information about their customers or former customers except as permitted by law.

Protecting Confidentiality

Our agents and Company associates may have access to nonpublic personal information only for the purpose of providing our products or services to you. We maintain physical, electronic and procedural safeguards against unauthorized use of your nonpublic personal information.

Auto-Owners Group Legal Text

Social Media Disclaimer

Social Media Disclaimer
This disclaimer applies to Auto-Owners Insurance Company’s social media presence on the internet. For your security, please do not post or direct message any personal information such as account or policy number, claim number, phone number, personal email address, financial information or any unique identifying information in any online social media site. We cannot answer policy or service-related questions on social media networks. By using Auto-Owners’ websites or web-based services, you agree to the following guidelines and terms. Your continued access or use of the websites or web-based services shall be deemed your acceptance of this legal disclaimer.
Commenting Guidelines

The purpose of Auto-Owners’ social media presence is to share information and ideas that we deem interesting, educational and thought-provoking. Any comments by any entity other than Auto-Owners are public opinions and do not necessarily reflect the position or opinion of our Company. We reserve the right to block any commenter and remove any posts that we deem to be inappropriate, offensive or an infringement upon another’s rights or in violation of any laws at any time.

Your positive contribution to our online discussions is welcome, we simply ask the following:

  • Do not post or transmit any unlawful, threatening, abusive, libelous, defamatory, racist, obscene, vulgar, pornographic, profane or indecent information. This includes, without limitation, any transmissions that are or that encourage illegal conduct. This ban includes anything that would constitute a criminal offense, give rise to civil liability or otherwise violate any local, state, national or international law.
  • Never post or transmit comments containing harassing or offensive language, using sexual references, sexual nicknames, racial slurs or rude or deliberately offensive comments.
  • Do not engage in disruptive activity online, including excessive use of scripts, sound waves or scrolling (repeating the same message over and over).
  • Do not post materials that are confidential, proprietary, false, fraudulent, libelous, invasive of privacy or publicity rights, infringing on intellectual property rights, illegal or otherwise objectionable. Do not attach copyrighted or other protected materials unless you own or control rights to those materials.
  • Do not post or submit any third party materials unless you have first obtained consent from the owner of such materials. By posting and/or submitting material or links to this Site, you represent that you have the right to share the material in your submitted content, including (without limitation), intellectual property including, but not limited to trade-marks and copyrighted material. For example:
    • You must obtain consent from every person who helped you create your posted materials (e.g. photographers, videographers, etc…);
    • You must obtain consent from every identifiable person (and his/her parent/legal guardian if he/she is under the age of majority in their jurisdiction of residence) who appears in your posted materials (note: if you cannot obtain the appropriate consent for an identifiable individual appearing in your posted materials, then his/her face must be blurred out);
    • You cannot post, submit or otherwise use (in any materials you post) any music, logos, trade-marks or other copyrighted materials (e.g. photographs, pictures, texts, lyrics, etc…) unless you have first obtained consent from the owner of such materials.
  • Do not post or transmit any information, software or other material that contains a virus, worm, Trojan horse or other code that has contaminating or destructive properties.
  • Do not post any information, software or other material for commercial purposes.
  • Do not solicit other users to join or contribute money to any online service or other organization, or advocate or attempt to persuade users to join in legal or illegal schemes.
  • Never pretend to be any other person or entity. Site users also may not falsely represent their professional or other affiliation with any person or entity.
  • Do not use the site to collect personally identifiable information.
  • Avoid discussing specific insurance or investment products, investment advice, trading strategies or agents.

Social Media Site Content

Social Media Site Content

The information provided via Auto-Owners’ social media profiles, pages or channels, is not intended to provide legal, investment or tax advice. If legal advice or other professional assistance is required, the services of a competent advisor should be sought.

All content on our social media profiles, pages or channels, is the exclusive property of and owned by Auto-Owners and is protected by copyright, trademark and other applicable laws. You may access, copy, download and print materials from our social media profiles, pages or channels, for your personal and non-commercial use. Any other use of content on these outlets is expressly prohibited. This includes, but is not limited to modification, distribution, transmission, performance, broadcast, publication, uploading, licensing transfer or sale of, or the creation of derivative works from materials published on these outlets.

Information posted on a Site is in the public domain. If you post information in a Site, you do so at your own risk. You are solely responsible for the content that you post. By posting content on a Site, you warrant that you have permission to post the content on the Site. You also understand that any information or material that you post is public information, and that you have no expectation of privacy when you submit information or materials to a Site.

By submitting items to our social media profiles, pages or channels, you are granting Auto-Owners the unrestricted, nonexclusive, royalty-free, perpetual, irrevocable and fully sublicensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute and display said material.

If you are an Auto-Owners associate, remember that all company policies apply to your postings here. All users of our social media sites must comply with each social media providers Terms of Use in addition to the guidelines set forth herein.

Third Party Sites

While Auto-Owners has a presence on social media sites, these sites are hosted by third party entities that have their own privacy policies, security policies and terms of use. These social media sites are not affiliated with Auto-Owners. We do not review, control or endorse any advertising, messages, content or links published by these third parties. These sites may contain links to other web sites that we have not reviewed and/or endorsed. You assume accountability and risk of usage by clicking on these external links. Additionally, Auto-Owners may occasionally provide links to third party content on our profiles, pages or channels, that we feel may interest our followers, however, we are not responsible for the accuracy of the content or any changes or updates made to these third party sites. Inclusion of these links on any Site does not imply endorsement, recommendation or sponsorship for any linked web site or the services, products or advice described on the site.

General Disclaimer

All material including any link to other sites and content found at linked sites is provided "as is" and without any express or implied warranties including warranties of merchantability or fitness for a particular purpose. Due to the nature of the Internet, Auto-Owners does not warrant that access to the Service will be uninterrupted or error free. Auto-Owners does not warrant or make any representations regarding the usefulness of or the expected results of the material contained on the Service. Note that some jurisdictions may not allow the exclusion of implied warranties so some of the above exclusions may not apply to you. Please check your local laws for any such restrictions.

Viruses, Worms, Use of Files

Auto-Owners cannot and does not guarantee or warrant that files available for downloading from linked sites are free of viruses, worms, Trojan horses or other code that has contaminating or destructive properties. Auto-Owners does not make any express or implied warranties, representations or endorsements whatsoever (including without limitation warranties of title, noninfringement or fitness for a particular purpose) with respect to the files available for downloading from linked sites. In no event will Auto-Owners be liable to you or to anyone else for any decision made or action taken by you or anyone else in reliance on results obtained from use of files downloaded from any linked site. These files may be downloaded and/or reprinted for personal use only. Permission to reprint or electronically reproduce any document or graphic in whole or in part for any reason except for personal use is expressly prohibited, unless prior written consent is obtained from the appropriate copyright holder.

Terms and Conditions

Auto-Owners reserves the right to modify content of its social media profiles, pages or channels, at any time, without notice. Auto-Owners may also change its Social Media Disclaimer from time to time; when changes are made, the version date will also be updated to reflect that a revision occurred. We encourage you to periodically reread this Disclaimer to see if there have been any changes that may affect you.

Site Privacy Policy

SITE PRIVACY POLICY
This Privacy Policy discloses the privacy practices for this site. If you are a policyholder, see the Notice of Privacy Practices for further information. Note that this policy contains several important exceptions, most notably the exception involving use of information to identify and/or pursue persons who are under criminal investigation or who damage, or may damage, our information or other resources. Please read the entire Privacy Policy to be sure that you understand these exceptions.
Information Ownership, Collection and Use

We are the sole owner of the information collected through this site. We will not sell, share, or rent this information to others in ways different from those disclosed in this policy although we may share information with our independent insurance agents. We may collect information from users at several different points on this site to conduct our business, to advise you of our products and services, and to provide you with customer service.

This Privacy Policy addresses some types of information, means of collecting information, and uses of information that may not presently apply to one or more of the sites. We tell you about these types of information, means of collecting information, and uses of information to maintain flexibility in offering additional features without having to revisit our terms and conditions or Privacy Policy every time we revise this site or offer new functions. No description of any type of information, means of collecting information, or use of information will require us to collect any particular information, make any particular use of any information, or offer any particular functionality through any site.

Cookies

To provide visitors with better service, the Site may use "cookies".  A cookie is a piece of data stored on the computer that runs an Internet browser. It can contain information about you, your computer, your browser, your session, the websites you visit, and other information about you or others who use, or have used, the computer or browser you use to access the Internet. The cookies we use, if any, are not linked to any personally identifiable information while using this site unless you have provided us with personally identifiable information by entering such information using this site. You give us that permission any time you enroll for services on this site, or identify yourself or the computer you are using through this site.  We may use cookies to customize your experience on our site.  Most Web browsers accept cookies by default, but allow a user to disable. You may disable cookies by visiting your internet browser settings; however, this may affect how the site displays on your computer.

Any third party organization which we may provide links from this site, may also use cookies. We have no control over such organizations’ uses of cookies and users should review the privacy policies of such organizations to determine the uses such organizations make of cookies.

Remarketing

This website uses remarketing services to display advertisements on our behalf. Their services may come from sites such as Google, Bing, Yahoo, Facebook, Instagram, Twitter, Adroll and any other display advertising partner (collectively the "Platform Advertisers") to advertise on third party websites to previous visitors to our site. It could mean that we advertise to previous visitors who haven’t completed a task on our site, for example using the contact form to make an inquiry.  

Platform Advertisers use cookies to serve ads based on someone’s past visits to the Auto-Owners' website. Of course, any data collected will be used in accordance with the Auto-Owners' and Platform Advertisers privacy policy. You may disable these cookies using your browser settings. The companies we work with are member of the Network Advertising Initiative. The NAI allows you to limit or opt out of interest-based advertising by using a tool available at http://optout.networkadvertising.org.

Analytics and Advertising

To provide visitors with better service, the Site may use Analytics software to track usage activity of the Site. The information collected is anonymous, aggregated data and does not contain Personally Identifiable Information (PII). If, at any time, you choose not to participate in the use of Analytics software, please use your search engine’s (i.e. Google, Bing, Yahoo, etc.) available opt-outs for the web. In addition to basic Analytics software, the Site may also use Remarketing, Google Display Network Impression Reporting, or Google Demographics and Interest Reporting from the data obtained through Analytics software.

We use Remarketing with Google analytics to advertise online. Third-party vendors, including Google and similar sites, may show our ads on websites across the internet. By using Google Analytics software, we are able to obtain 3rd-party audience data. We use this data to make improvements to the Site and may also utilize Google’s interest-based advertising. Using Google’s Ad Settings, visitors can opt-out of Google Analytics for Display Advertising and customize Google Display Network ads.

We may use Facebook Custom Audiences and Pixels to deliver advertisements to Website Visitors. No personal information is contained of collected as the result of using these pixels. You may learn more about Facebook Custom Audiences by visiting https://www.facebook.com/business/help/341425252616329. Please click here if you would like to revoke your permission.

 You may learn more about Facebook’s privacy policy in general by visiting https://www.facebook.com/about/privacy.  

Log Files

We or our hosting provider may collect traffic information from visitors for statistical analysis and site improvement. When you access this site, we or our hosting provider may collect information about your visit in a log file on a server. Log file information may include, but is not limited to, internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, platform type, date/time stamp, and number of clicks. We or our hosting provider may use this information to analyze trends, administer sites, track users’ movements in the aggregate, and gather demographic information for aggregate use.

Links and Information Gathered by Others

One or more sites may contain links to other third party websites. We do not operate those websites and we cannot control the information that the operators of such websites gather or what the operators of such websites do with the information. We are therefore not responsible for the activities of the operators of such websites.

Security

We also use commercially reasonable efforts to protect user information offline by maintaining physical, electronic and procedural safeguards against unauthorized access to user nonpublic personal information.

Misappropriation of Personal Information

For the purposes of any applicable law regarding notification of persons whose personal information provided to us by this site was, or is reasonably believed to have been, acquired by an unauthorized person, any required notification may, where permitted by law, be made by the use of e-mail, telephone, fax, mail (including a notice printed in an available area of a bill or statement) or posting a notice on this site. The specific means used is up to us and we will use our judgment based on the circumstances. Where any notice is to be sent to a specific address or number (such as e-mail address, physical address, telephone number, etc.), we will use the latest available address in our records. EXCEPT TO THE EXTENT PROHIBITED BY LAW, YOU AGREE TO THIS MEANS OF NOTIFICATION.

Exceptions

Notwithstanding anything else in this Privacy Policy to the contrary, we may collect personally identifiable information and use such information in ways other than those described above if we are required to do so by law or if we deem it advisable in the course of assisting law enforcement activities or lawfully protecting our site(s) or other property. Without limiting the foregoing, we reserve the right to use and disclose any information that you provide to us if we deem it advisable in the prosecution or defense of any litigation involving your use of any site.

Contact Information

If you feel that we are not abiding by this Privacy Policy or if you have questions regarding the Privacy Policy, you may contact us directly.

Last revised as of April 30, 2018.