ONLINE PRIVACY STatement

This AC Shoreline Insurance and Risk Management Online Privacy Statement (“Privacy Statement”) describes the privacy practices of AC Shoreline Insurance and Risk Management Insurance Company and the AC Shoreline Insurance and Risk Management affiliated companies whose websites and mobile apps link to this Privacy Statement (“AC Shoreline Insurance and Risk Management,” “we” “our” or “us”). This Privacy Statement explains the information we collect, why we collect it, how we use and share it, and the choices you can make regarding your information. 

Customers of AC Shoreline Insurance and Risk Management ’s insurance, may also receive a privacy statement for those products in the initial policy package and annual policy documents. Those consumer privacy statements may contain additional information and rights relating to your customer relationship with us. Those privacy statements and this AC Shoreline Insurance and Risk Management Online Privacy Statement explain our privacy practices and should be read together.

INFORMATION WE COLLECT AND HOW WE COLLECT IT

AC Shoreline Insurance and Risk Management collects personal and other information about you. Personal information is information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked (directly or indirectly) with you. Other, non-personal information does not and cannot reveal an individual’s identity such as information that has been de-identified or aggregated. The information we collect varies based on what products and services you have with us.

We collect personal information about you in several ways from several sources. We collect personal information directly from you including when you sign up for services, buy a product, subscribe to a membership or mailing list.

We and service providers working on our behalf collect personal information from you such as IP address, browsing history and other internet activity information when you use one of our websites, view our emails or otherwise engage with us through a computer or mobile device (“Sites”). 

We collect the following categories of personal information: 

PERSONAL IDENTIFIERS

Name, alias, signature, postal address, phone number, date of birth, unique personal identifier, online identifier, email address, internet protocol (IP) address, state identification card number, account name, driver's license number, passport number, or other similar identifiers.

PERSONAL CHARACTERISTICS

Age, race, ancestry, national origin, citizenship, religion, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions and other descriptions of your physical characteristics (e.g., height).

COMMERCIAL INFORMATION

Service or product related information including policy coverage information, premiums, account name, policy number, payment history, claims history, records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies, bank account number, credit or debit card number, other payment or financial information, health insurance information, medical history, or family member information.

INTERNET OR OTHER ELECTRONIC NETWORK ACTIVITY INFORMATION

Browsing history, search history, information regarding your interaction with our website, application or advertisement, links you use or web pages you visit while visiting our site or applications, browser type, internet service provider (ISP), cookies, and mobile device information including device identifier or other information.

Sensitive Personal Information: 

Some personal information we collect is defined under the law as sensitive personal information. Sensitive personal information we collect includes driver’s license number, state identification card number, passport number, financial account number, debit card number, credit card number used to purchase a policy. 

USE OF YOUR PERSONAL INFORMATION

We use your personal and other information for business purposes including to:

Provide and maintain your services and products. We may use your personal information to provide or maintain your service, products, including to set up a product or service or provide a product or service, maintain your account, service your policy, change your policy, handle a claim, complete a transaction, repair a product or respond to customer service requests or other inquiries. 

We may also collect information about other parties from you to carry out necessary services and/or requests, including adding another driver to your existing policy. If you provide us personal information about others, or if others give us your personal information, we will only use the information for the specific reason for which it was provided to us. 

Improve, develop, and analyze our Sites, services, and products. 

We use your personal information and other information to:

Analyze, improve, develop, or deliver our Sites, products and services and develop new services, products or features using algorithms, analytics software and other similar methods,

Conduct actuarial or research studies to maintain, protect and develop our networks, services, and products and protect our customers,

Analyze how visitors use our Sites to improve the Sites and enhance and personalize your experience.

We collect some information used for these purposes using analytics software, cookies and other tracking technologies. 

For more information about the collection and use of this information, see Cookies and Other Tracking Technologies below.

Communicate with you about your service or product. We may communicate with you about your product, service, account, policy, provide you transaction confirmations, payment alerts or other service or product related messages via email and phone calls. 

Provide marketing communications. We may use your personal information to send you promotional communications about products, services, features, and options we believe may interest you. We may send communications via e- mail. We may also use your information to serve you ads or customized content online.

Comply with legal requirements and protect the safety and security of our business, services, and Sites. We may use your personal information to comply with laws, regulations, or other legal obligations, to assist in an investigation, to protect and defend our rights and property or the rights of third parties or enforce terms and conditions. We may also use your personal information to prevent suspected fraud, threats to our network or other illegal activities, prevent misuse or for any other reason permitted by law.

Update or correct our records. We may receive personal information about you from other sources, including publicly available databases or third parties from whom we have purchased data, and combine that personal information with other personal information we have about you to update our records. For example, we may obtain change of address information from public sources and use that personal information to update or correct your address.

We use sensitive personal information only as reasonably necessary to perform or maintain the services or provide goods you requested, to perform services on behalf of the business such as maintaining or servicing accounts, processing payments, to provide analytics services or similar services, to detect security incidents, resist malicious, deceptive, fraudulent, or illegal actions and to prosecute those responsible for those actions, to ensure customers and other peoples’ physical safety, for short- term use such as non-personalized advertising as part of our current interactions, to verify or maintain the quality or safety of service, improve, upgrade or enhance service, or other reasons that do not require an opt-out of this use.

We do not market any products or services to children under the age of thirteen or knowingly collect any information from children under the age of thirteen. We do not knowingly sell or share for cross-context behavioral advertising the personal information of consumers under the age of sixteen. 

Our website is not intended for children.

SHARING YOUR INFORMATION

We do not sell your personal information. We also do not share personal information for cross-context behavioral advertising as defined under California law. We may share your personal information with our affiliates for business purposes consistent with the uses described in this Privacy Statement. We may also share personal information about you with third parties whenever you consent to or direct such sharing. We strive to work with companies that share our commitment to privacy. 

We may also share information with others in an aggregated or de-identified form that does not reasonably identify you. We strive to work with companies that share our commitment to privacy.

We may also share any of the categories of personal information described above with service providers and other third parties for business purposes or as required or permitted by law including with:

Companies involved in insurance and other business transactions: We share your personal information with other companies that play a role in an insurance transaction with you such as independent claims adjusters, repair shops, and other claims related companies. We may also share your personal information to participate in insurance support organizations.

Authorized agents or brokers: AC Shoreline Insurance and Risk Management operates through agents and brokers who sell our services and products on our behalf. We may share your personal information with those agents or brokers to provide you with the services you’ve requested. They may use your personal information in the manner described in this Privacy Statement.

Service providers: Personal information may be shared with service providers who perform services on our behalf for a business purpose including service providers that:

Help complete transactions, handle a claim, service your policy or service your membership,

Engage in credit reporting or payment processing,

Provide marketing and advertising, email, or other communication services,

Provide services that support our online activities including providing

Tracking technologies, web hosting and analytics,

Provide tax and accounting, legal services, delivery, and data enhancement services,

Provide technology services and enhance security, privacy, and fraud protections,

Provide data analytics services or conduct research or actuarial studies, and

Provide support to our operations.

Marketing and advertising partners

We may share personal and other information with third party online and other marketing and advertising partners or permit these partners to collect personal information from you directly on our Sites to personalize online advertising. We may share personal information with other financial institutions or other companies with whom we have a joint marketing agreement. 

The Cookies and Other Tracking Technologies section below has more details about these activities.

 Third parties in connection with a business transaction: Personal information may be disclosed to third parties in connection with a corporate transaction, such as a merger, sale of any or all our company assets or shares, reorganization, financing, change of control or acquisition of all or a portion of our business by an affiliate or third party, or in the event of a bankruptcy or similar proceedings.

Law enforcement, regulators, and other parties for legal reasons: Personal information may be disclosed to third parties, as required by law or subpoena, or if we reasonably believe such action is necessary to:

Comply with the law and the reasonable requests of regulators, law enforcement or other public authorities,

Protect our or others safety, rights, or property, and investigate fraud or to protect the security or integrity of our Sites or any product or services.

HOW LONG WE KEEP YOUR INFORMATION

We retain personal information in accordance with applicable laws or regulatory requirements and for as long as necessary to fulfill the purposes for which it was collected and to fulfill the business or commercial purposes that are explained in this Privacy Statement.

COOKIES AND OTHER TRACKING TECHNOLOGIES

Technologies and Information Collected: When you visit our Sites, we and our service providers automatically collect information about your use of and access to these Sites. We collect this information through a variety of tracking technologies, including cookies, web beacons (also called pixel tags), embedded scripts, and similar technology (collectively, “tracking technologies”). Information we collect automatically about you may be combined with other personal information we collect directly. 

The information collected in this manner includes:

The website from where you accessed the Site, where you went to when you left the Site, how frequently you visit the Sites, when and whether you open emails or click the links contained in emails, pages you visit on our Sites, the links you click and ads you view, or your location when you access our Sites.

Information about the computer, tablet, smartphone or other device you use, such as your IP address, browser type, Internet service provider, platform type, device type/model/manufacturer, operating system, date and time stamp, a unique ID that allows us to uniquely identify your browser, mobile device or your account (including, e.g., a persistent device identifier or an Ad ID), and other similar information.

Analytics information collected by us or via third party analytics tools, to help us measure traffic and usage trends for the Sites, aggregated usage, and performance data.

Use of the information: The information collected through tracking technologies allows us to provide you with an improved, enhanced and personalized customer experience, to monitor and improve our Sites and for other internal purposes such as:

Provide custom, personalized content and information, including targeted content, communications and advertising,

Provide and monitor the effectiveness of our Sites,

Perform analytics and detect usage patterns on our Sites,

Diagnose or fix technology problems,

Detect or prevent fraud or other harmful activities, and

Otherwise, to plan for and enhance our Sites.

Cookies

Your choices regarding cookies: If you prefer not to accept cookies, most browsers will allow you to manage cookies in your browser settings to disable or block cookies, remove existing cookies, automatically accept cookies or to notify you when you receive a cookie. Options available may vary by browser. However, if you disable, modify, or reject cookies, some parts or functionalities of our Site may be inaccessible or not function properly. For example, disabling cookies may require you to repeatedly enter information to take advantage of services or promotions.

PRIVACY RIGHTS AND CHOICES

Various federal and state laws provide privacy rights to consumers including the right to know, access, delete, or correct personal information, the right to opt-out of sharing of personal information with affiliates for marketing or the right to opt-out of receiving email marketing. 

These rights differ by state and by the type of products and services you have with AC Shoreline Insurance and Risk Management. For example, the rights to know, access or delete under the CCPA do not apply to personal information that is subject to certain federal and state laws governing insurance or health information.

PRIVACY RIGHTS UNDER CCPA AND SIMILAR STATE LAWS

California residents have certain rights under CCPA to access, correct and delete personal information, and other rights described below. Similar rights exist for Virginia residents for some of the personal information we collect. While these rights apply only to some of the personal information we collect, for transparency and for your convenience, you can submit a request no matter where you live.

Right to Know and Access Your Personal Information: 

You have the right to request the specific pieces of personal information we have collected about you and the right to know.

Right to Deletion of Personal Information: 

You have the right to request deletion of personal information collected from you, subject to certain exceptions including that we need the personal information to:

Complete a transaction or provide a good or service you requested, service your account, or take actions reasonably anticipated within the context of our ongoing business relationship,

Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities,

Comply with a legal obligation, or otherwise use your personal information, internally, in a lawful manner that is compatible with the context in which you provided the information.

Right to Correct Personal Information: 

You have the right to request we correct any inaccurate information we have about you. We may request that you provide documentation to support your request and we will correct your information unless we determine that the personal information is more than likely accurate.

Non-Discrimination Rights: 

We don’t discriminate against you if you exercise any of the privacy rights described in this privacy statement.

Verified Requests: 

To protect you and your personal information, we will only respond to access or deletion requests that we have been able to properly verify through our authentication processes. To verify your identity, you will be asked to provide several pieces of personal information, such as name and demographic information, which we only use to verify your identity or authority to make the request.

Submitting a Request: 

To submit an access or deletion request, please email us at info@acshoreline.com to submit a correction request. Responses to a verified request may take up to 45 calendar days, or longer depending on the nature of the request. If additional time is needed, we will notify you of the additional time. We may only respond to two access requests within a 12-month period. Requests from authorized agents must be submitted via the same online portal or toll- free number but to protect your privacy, consumers will be required to verify their identity directly with us via our online portal or toll-free number.

Email Marketing Choices and Other Notifications: 

We may send you email marketing communications about products, features and services that may be of interest to you. To opt out from receiving marketing and promotional emails from us, please send us a request by email at info@acshoreline.com or click the unsubscribe link located at the bottom of each communication. If you opt out from receiving marketing emails, we may still send you non-marketing emails such as emails about your products or services, responses to your requests and inquiries, or notices of updates to terms and conditions or our privacy practices.