This California Consumer Privacy Act Policy of National Liability and Fire Insurance Company (“NL&F”) (collectively, “we,” “us,” or “our”) applies solely to individuals who reside in the State of California (“consumers” or “you”). We adopt this policy to comply with the California Consumer Privacy Act of 2018 (“CCPA”). Any terms defined in the CCPA have the same meaning when used in this policy.
Your Right to Know About Personal Information Collected, Disclosed, or Sold
You have the right to request that we disclose to you information about the collection and use of your personal information over the last 12 months, including:
We have not sold personal information about consumers in the last 12 months.
How to Submit a Request
To exercise any of your rights described in this California Consumer Privacy Act Policy, please submit a request to us by contacting us via one of the following methods:
Our Process to Verify Your Request
We will contact you to collect additional information to verify your identity. Depending on the nature of the request, we will require you to provide either two or three pieces of information to allow us to verify that you are the person about whom we collected personal information. We may also require you to submit a signed declaration under penalty of perjury that you are the consumer whose personal information is the subject of the request.
Any information we collect for purposes of verifying your identity will not be used for any other purpose. If we are unable to verify that you are the person about whom we collected personal information, or that you have authority to make the request on that person’s behalf, we will notify you that we will not be able to respond to your request.
We will endeavor to respond to your request within 45 days of the date you submit it. If we require additional time, we will notify you of the extension in writing.
We will not respond to more than two requests from the same consumer in any 12 month period.
Information We Collect
“Personal information” means information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or household. Personal information does not include publicly available information.
We may collect the following categories of your personal information:
We collect each category of personal information about consumers from the following categories of sources:
We collect each category of personal information about consumers for the following business or commercial purposes:
We will provide you notice if we collect additional categories of personal information or use the personal information we previously collected for materially different purposes.
Information We Disclose
In the last 12 months, we have disclosed the following categories of personal information about consumers for a business purpose:
We share personal information about consumers with the following categories of third parties:
We have not sold personal information about consumers in the last 12 months.
Third-Party Analytics
We use third party analytics programs, such as Google Analytics, which are operated by third party companies. We do not directly collect usage data through our use of third party analytics programs. These companies are unaffiliated with NL&F and may, themselves, collect usage data (using cookies, pixels and/or similar tools) about website visitors in order to provide us with aggregate data, reports or metrics that help us evaluate usage of, and improve, our website and mobile app. To learn more about Google’s privacy practices, please review the Google Privacy Policy – available at: https://www.google.com/policies/privacy/partners/. You can also download the Google Analytics Opt-out Browser Add-on to opt-out of Google Analytics collection of usage data – this is available at: https://tools.google.com/dlpage/gaoptout.
Right to Delete
You have the right to request that we delete from our records the personal information we have collected about you, subject to certain exceptions. Once we receive and confirm your request, we will determine whether an exception applies. If an exception does not apply, we will delete your personal information from our records. We will also direct our service providers to delete your personal information from their records. If an exception applies, we will not delete your personal information from our records and we will notify you in writing of the reason that we are denying your request to delete your information from our records.
Right to Correct
Subject to certain restrictions, you have the right to request that we correct inaccuracies in your Personal Information.
Non-Discrimination
A business may not discriminate against a consumer because the consumer exercised any of the foregoing rights.
Authorized Agent
You may use an authorized agent to submit requests to us as described in this privacy notice. An authorized agent is a natural person or a business entity that you have authorized to act on your behalf. If you use an authorized agent to submit a request to us, we will require you to (1) provide the authorized agent with written permission to make requests on your behalf and then verify the consumer’s own identity directly with us; or (2) provide the authorized agent with a power of attorney pursuant to Probate Code sections 4000 to 4665. We may deny a request from an agent that does not submit proof that they have been authorized by you to act on your behalf.
Contact for More Information
For questions or concerns about our privacy policies or practices, please contact us at 1-844-549-2512. If you have a disability, you may contact us to access this notice in an alternative format.
Information Not Subject to CCPA
In accordance with the CCPA, this California Consumer Privacy Policy does not apply to: (1) certain medical information governed by the Confidentiality of Medical Information Act; (2) certain information that is furnished to or collected from a consumer reporting agency in accordance with the Fair Credit Reporting Act; (3) personal information collected, processed, sold, or disclosed pursuant to the federal Gramm-Leach-Bliley Act, and implementing regulation, or the California Financial Information Privacy Act; (4) information collected, processed, sold, or disclosed pursuant to the Driver’s Privacy Protection Act of 1994; (5) certain information collected about a consumer in the course of their employment or application for employment; and (6) certain information collected about a consumer in the scope of a business-to-business transaction or communication.