Online Privacy Policy
Last updated January 28, 2021
The CopperPoint family of companies, which includes CopperPoint Insurance Company, Pacific Compensation Insurance Company, Alaska National Insurance Company and their affiliated companies (“CopperPoint”), values your privacy and strives to comply with the various laws and regulations that protect nonpublic personal information. CopperPoint’s Online Privacy Policy consists of this policy and our GLBA and CCPA privacy policies. The Online Privacy Policy applies to the extent that our Website captures, or you provide us your nonpublic, personally identifiable information. The application of the CCPA or GLBA or other applicable laws may depend on your status as a consumer, customer, non-customer/consumer, employee, job applicant, business partner, business prospect or other status type, as well as the jurisdiction in which you reside. If your information has been collected in connection with any transaction involving an insurance claim, application or insurance policy related manner, your rights are likely covered under the Gramm-Leach-Bliley Act (“GLBA”). Please refer to our GLBA privacy notice for further information on our privacy policies and practices. If you are a California resident, and your personal information is collected unrelated to an insurance transaction, the California Consumer Privacy Act of 2018 (“CCPA”) may be applicable to your information. Please refer to our CCPA privacy notice for further information on our privacy policies and practices.
The following portions of this policy describe the types of information we may collect from you or that you may provide when you visit the Website and our practices for collecting, using, maintaining, protecting, and disclosing that information when such information is not otherwise covered by either our GLBA or our CCPA policies. This policy applies to information we collect through this Website, and by electronic message between you and this Website. The following portions of this policy do not apply to information collected offline or through any other means, or by a third party. If you do not agree with this policy, do not use this Website. By accessing the Website, you agree to this Online Privacy Policy.
Types of Personal Information We Collect
We collect and may disclose to third parties nonpublic information that identifies, describes or is reasonably related to a particular individual (Personal Information). The types of individuals we collect Personal Information on include our policyholders, beneficiaries under our polices, those who apply for insurance coverage, those who might register to receive information from us, and those who make inquiry to use and others. Personal Information may include information such as:
Names, postal address, email addresses, and in some instances social security numbers, phone numbers, birthdates, claim information that identifies a specific individual, health insurance information, personal characteristics such as gender, age, race, medical condition and
Information about you but does not identify you individually, such as about your internet connection, the equipment you use to access the Website and usage details.
This information is collected directly from you when you provide it or automatically when you navigate through the Website. Information collected automatically may include usage details, IP addresses, online identifiers, search history and information regarding how users interact with our website, apps and advertisements and information collected through cookies and other technologies.
If you apply for a job with us, we may store your password and a secret question as well as information about your work and educational history. Refer to the Candidate Data Privacy Policy.
How We Use Personal Information
We do not sell your Personal Information. We may use Personal Information:
For purposes related to our business operation including to fulfill or meet the reason you provided the information, to facilitate the customer experience, to create, maintain, customize and secure your account with us and to help maintain the safety, security and integrity of our Website, products, services, databases and other technology assets and business.
To guide our decision-making process when tailoring our service offerings or marketing efforts, to process your claims, requests, purchases, transactions, payments and to prevent transaction fraud, to personalize your experience with us, for testing, research, analysis, and product development.
To respond to law enforcement requests are required by applicable laws, court order or regulations, to protect the rights, property and safety of you, us or clients or others, as described to you when collecting Personal Information or as otherwise set forth in the applicable privacy policies, or laws of the jurisdictions which we operate and you reside, and to evaluate or conduct financing, merger, divestiture, restructuring, dissolution or other sale or transfer of some or all of our assets.
To verify your identity, process your registration, claim or application for any of our services, to interact with the insurance industry support organizations, for internal business purposes, to defend or prosecute claims
To contact you regarding your use of any of our services and for any lawful purpose that you have expressly authorized us to use it for.
We undertake to protect the confidentiality and security of your information, including protecting it against unauthorized access or use through various, industry standard security features and limiting authorized access to person and organizations based on business need.
Insurance Claim Transaction Under Gramm-Leach-Bliley Act (GLBA)
If your information has been collected in connection with any transaction involving an insurance claim, application or insurance policy related manner, your rights are likely covered under the Gramm-Leach-Bliley Act (“GLBA”). Please refer to our GLBA privacy notice.
California Privacy Act
If you are a California resident, California law may provide you with additional rights regarding the use of your personal information. To learn more about your rights and the personal information collected under the California Consumer Privacy Act of 2018 (“CCPA”), refer to our CCPA privacy notice.
We also collect information by removing identifiers such as your name or by aggregating information. We may use such aggregate information as described in the section "Other Types of Information We Collect and How We Use It" found below.
How We Disclose Personal Information
Who We Share Information With
We may disclose Personal Information we collect or you provide to our subsidiaries and affiliates, to third parties including contractors, service providers, and other third parties we use to support our business and to fulfill the purpose for which you provided it. Those third parties can include but are not limited to:
- Service providers
- Data aggregators or analytic providers
- Government agencies including law enforcement
- Medical or healthcare service providers
- Other insurance institutions and insurance industry support organizations including reinsurers
- Our affiliates
- A suitor pursuant to a potential business transfer
- Advertising or social media networks (to direct content to you on our behalf not theirs as we do not sell your Personal Information to them for their own use)
- Any third party upon your or your agent’s written authorization as required by law.
Other Types of Information We Collect and How We Use It
Aggregate Information. We may gather and store aggregate or deidentified information about visitors. Aggregate Information is any information that does not allow us to identify a specific individual. Examples include demographic information, areas visited on the Website or what browser was used to access the Website.
The collection of this aggregate information enables us to measure the number of visitors to various portions of the Website, diagnose problems with our server, administer the Website and track visitor activity. We will use this aggregate information to learn more about what our customers are expecting from our services, and tailor and improve the Website. Because aggregate information collected on the Website does not personally identify you, we may use aggregate information for any purpose whatsoever, and share aggregate information with third parties for any purpose whatsoever.
We may collect aggregate information through our Website, through browsing history, search history, and information regarding a consumer’s interaction with an internet website, application or advertisement. This is not typically capable of being associated with a particular consumer. However, if you visit our Website by clicking on a link in a direct, electronic communication addressed to you, we are able to ascertain your identity from our records on file and determine what website pages of ours you visited and when and, if this is the case, your information will either be deidentified or become subject to our Online Privacy Policy.
ProducerEngage (Agent Portal) and CustomerEngage (Policyholder Portal)
When you access ProducerEngage (Agent Portal) and CustomerEngage (Policyholder Portal) we also collect additional information including your user registration name, email address, date of registration, the date of any deletion of account, username, date and time of logon information, browsing history, search history, and information regarding interaction with the portal, such as pages utilized. This information is governed by our Online Privacy Policy.
Where We Store and Maintain Information
This Online Privacy Policy applies to our United States operations. By choosing to access this Website, you are doing so on your own initiative and at your own risk, and are responsible for complying with all applicable laws, rules and regulations in the jurisdiction where you are accessing us online. We maintain the Website in the United States and the Website is not intended to subject CopperPoint or any affiliated entity to the laws or jurisdiction of any state, country or territory other than that of the United States. CopperPoint does not represent or warrant that the Website, or any part thereof, is appropriate or available for use in all jurisdictions or outside the United States.
Children's Privacy
CopperPoint's Website is not directed to or intended for children. CopperPoint does not knowingly collect or post information from children under the age of 13 in compliance with laws protecting the privacy of children. No person under the age of 13 may provide any personal information on this Website. If you believe we have collected or received personal information from a child under 13, please contact CopperPoint Chief Compliance Officer: SBegley@copperpoint.com. You can visit the Federal Trade Commission website to learn more about the Children's Online Privacy Protection Act (COPPA).
Social Media
CopperPoint maintains profiles and/or pages on various social media sites including Facebook and Twitter. If you choose to "Like" CopperPoint on Facebook, "Follow" CopperPoint on Twitter, or take any similar action on another social media site, you are providing your consent to receive information updates, including solicitations, from CopperPoint. To stop receiving this information from CopperPoint on a social media site, you must follow the procedure established by the site. For example, on Facebook, you must click "Unlike" on CopperPoint's page, and, on Twitter, you must click "Unfollow" on CopperPoint's profile.
Links to Other Sites
This Website contains links to other websites. The operators of those other websites may collect information about you, through cookies or other technologies. If you link to another website, you will leave the CopperPoint site and this Online Privacy Policy will not apply to your use of and activity on those other sites.
If you provide personal information through any other website, your transaction will occur on that site (not the CopperPoint Site) and the personal information you provide will be collected by, and controlled by, the privacy policy of that other website operator. Links on the Website to other websites are provided only as a convenience, and the inclusion of such links does not imply endorsement of the linked site. We encourage you to read the legal notice posted on those sites, including their privacy policies. We have no responsibility or liability for your visitation to, and the data collection and use practices of, other sites.
Our Security Procedures
We have taken measures designed to secure your personal information. The safety and security of your information also depends on you. If you have a password to access parts of this Website, you are responsible for keeping this password confidential. We take reasonable precautions to safeguard the personal information transmitted between visitors and the Website and the personal information stored on our servers but, unfortunately, no method of transmitting or storing data can be guaranteed to be 100% secure, and transmission of personal information is at your own risk. We strive to protect your personal information, but we cannot ensure the security of any information while in transit.
Reporting Potential Compromise or Suspicious Activity: If you have reason to believe that your interaction with us is no longer secure or, if for example, you feel that the security of any account you might have with us has been compromised, you must immediately notify us of the problem by calling us toll-free at 1.800.231.1363 or by email. Refer to Contact Information.
If we believe the security of your personal information in our possession or control may have been compromised, we may seek to notify you. If notification is appropriate, we would endeavor to do so as promptly as possible under the circumstances, and, to the extent we have your email address, we may notify you by email to which you consent and to which you agree is an acceptable form of notice. If you receive an email or other correspondence requesting that you provide any sensitive information (including your password or social security number) via email or to a website that does not seem to be affiliated with our Website, or that seems suspicious to you, please do not provide such information. Report requests to us at CopperPoint Insurance Companies, 3030 N. 3rd Street, Phoenix, AZ 85012, Attn: Chief Compliance Officer.
Changes to Policy
We reserve the right to amend this Online Privacy Policy at any time and for any reason, including to address future developments of CopperPoint, the Website, or changes in industry or legal trends. If amended, we will post the revised Online Privacy Policy on the Website. You can determine when the Online Privacy Policy was revised by referring to the "Last Updated" legend on the top of this policy. Any changes will become effective upon the posting of the revised Online Privacy Policy on the Website. By continuing to use the Website following such changes, you will be deemed to have agreed to such changes. If you do not agree with the terms of this Online Privacy Policy, in whole or part, you can choose to not continue to use the Website. If you have any questions or comments about this Online Privacy Policy, please feel free to contact us by using the Contact Information below.
Contact Information
To ask questions or comment about this Online Privacy Policy or our privacy practices, contact us at:
Website: www.copperpoint.com/contact-us
Email: ask@copperpoint.com
Toll-free Phone: 1.800.231.1363 (Office hours are 8 am to 5 pm (MST) Monday through Friday excluding holidays).
Postal Address: CopperPoint Insurance Company, 3030 N. 3rd Street, Phoenix, AZ 85012, Attention: Sara Begley, General Counsel, Chief Compliance Officer.