Last Updated: January 27, 2016
Information we collect:
We collect nonpublic personal information about you from the following sources:
- Information we receive from you on applications or other forms.
- Information about your transactions with us, our affiliates or others.
- Information you provide or which is obtained through the process of handling a claim, including medical information, such as from an accident report.
- Information we receive from a consumer reporting agency, such as a Motor Vehicle Report.
If you login to the members-only section of our site, we set a cookie with a randomly-generated anonymous identifier to allow you to navigate those pages.
In addition, Roanoke Insurance Group (RIG) member companies provide cookies via this website as part of the opt-out process.
We use web beacons (invisible images often referred to as pixel tags or clear GIFs) on our sites in order to recognize users, assess traffic patterns, identify preferred content and measure site engagement. We also include web beacons in our e-mail messages, including newsletters, in order to count how many e-mail messages have been opened.
Our website also uses a third party to collect information, including through the use of web beacons, browser cookies and other tracking technologies. We may collect via web beacons various data provided by your browser while you are on our site and elsewhere where we may be acting as a 3rd party. This data is collected in the aggregate, but may include or be associated with other non-Personally Identifiable Information (PII) or PII that users have voluntarily submitted.
Non-Personally Identifiable Data Collected on this Website
We collect and store in server logs non-personally identifiable information, including but not limited to browser type, IP address, operating system, the date and time of visits, the pages visited on the site, time spent viewing the site, and return visits to the site. We also use Google Analytics, a service that records non-personally identifiable data such as browser type, operating system, the date and time of a visit, where visitors came from, the pages visited on this website, the time spent viewing site, where visitors went when they left the site, and return visits to the site.
We aggregate this non-personally identifiable data to better understand how visitors use our site, and to help manage, maintain, and report on use of our website. We store IP addresses for fraud detection and prevention purposes.
We may share this non-personally identifiable data with third parties for the limited purpose of reporting on use of our website, or to comply with applicable law. We also may share this data with our service providers. We do not rent, sell or share any non-personally identifiable data collected on this website with third parties for marketing purposes.
Information we may disclose to third parties:
In the course of our general business practices, we may disclose the information that we collect (as described above) about you or others without your permission to the following types of institutions for the reasons described:
To a third party if the disclosure will enable that party to perform a business, professional or insurance function for us;
To a financial institution, agent or credit reporting agency for either this agency or the entity to whom we disclose the information to perform a function in connection with an insurance transaction involving you;
To an insurance regulatory authority, law enforcement or other governmental authority for regulatory compliance, the detection or prevention of fraud or as otherwise required or allowed by law;
To a group policyholder for the purpose of reporting claims experience or conducting an audit of our operations or services.
In addition to those circumstances listed above, and unless you tell us not to, we may disclose certain information about you to third parties whose only use of the information will be for purposes of marketing a product or service. Under no circumstances will we disclose for marketing purposes any medical information; information relating to a claim for benefit or a civil or criminal proceeding involving you; or personal information relating to your character, personal habits, mode of living or general reputation.
Notification that certain disclosures require your authorization:
Information obtained from a report prepared by a consumer reporting agency may be retained by that organization and disclosed to other persons.
Your right to access and amend your personal information:
You have the right to request access to the personal information that we record about you. Your right includes the right to know the sources of the information and the identity of the persons, institutions or types of institutions to whom we have disclosed such information within two years prior to your request. Your right includes the right to view such information and copy it in person or request that a copy of it be sent to you by mail (for which we may charge you a reasonable fee to cover our costs). Your right also includes the right to request corrections, amendments or deletions of any information in our possession. The procedures that you must follow to request access to or an amendment of your information are as follows:
To obtain access to your information, submit a request in writing that includes your name, address, social security number, telephone number and the recorded information to which you would like access. The request should state whether you would like access in person or a copy of the information sent to you by mail. Upon receipt of your request, we will comply within 30 business days.
To correct, amend or delete any of your information, submit a request in writing that includes your name, address, social security number, telephone number, the specific information in dispute and the identity of document or record that contains the disputed information. Upon receipt of your request, we will contact you within 30 business days to notify you either that we have made the correction, amendment or deletion, or that we refuse to do so and the reasons for the refusal, which you will have an opportunity to challenge.
Submit your request to:
James L. Cahalan, Executive Vice President – Legal Affairs
Roanoke Insurance Group Inc.
1475 East Woodfield Road, Suite 500
Schaumburg, IL 60173
Our practices regarding information confidentiality and security:
We restrict access to nonpublic personal information about you to those employees who need to know that information in order to provide products or services to you. We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your personal information.
For more information or if you have questions: