Privacy Policy

Last Updated: October 5, 2015
  
PVI Agency, LLC (“PVI”) and its subsidiaries and affiliates, including ValueInsured, Inc., is committed to protecting the privacy of the individuals we encounter in conducting our business.  “Personal Information” is information that identifies and relates to you or other individuals (such as your dependents). Our aim is responsible handling of Personal Information, balancing the benefits of activities like research and data analytics with our other commitments, including transparency and non-discrimination. This Privacy Policy describes how we handle Personal Information that we collect through:          

  • this website (“the Site”) by means of the software applications made available by us for use on or through computers and mobile devices (the “Apps”), through our social media pages and related Apps linked at the bottom of http://valueinsured.com (our “Social Media Pages”) (collectively, including the Site, the Apps and our Social Media Pages, referred to as the “PVI On-line Services”); and
  • other means (for example, telephone calls, e-mails and other communications with us, as well as from other third parties involved in our business dealings with you).

By using the PVI On-line Services, you signify your acceptance of this Privacy Policy.

Please note: This Privacy Policy is supplemented by Privacy Notices tailored to our specific relationships with you, including Privacy Notices that are sent to individuals as required under applicable laws and regulations.  

1.  Who To Contact About Your Personal Information

If you have any questions about our use of your Personal Information you can e-mail legal@valueinsured.com or write to:
 

PVI Agency, LLC
Attn: E-Commerce Legal
400 N St Paul Street, Suite 505, Dallas, TX 75201

2. Personal Information That We Collect

Depending on your relationship with us (for example, as a consumer policyholder; master policy holder or appointed representative; or other person relating to our business), Personal Information collected about you may include:

  • General identification and contact information

Your name; address; e-mail and telephone details; gender; marital status; family status; date of birth; passwords on our systems; educational background; physical attributes; activity records, such as driving records; photos; employment history, skills and experience; professional licenses and affiliations; relationship to the policyholder, insured or claimant; and date and cause of death, injury or disability.

  •  Identification numbers issued by government bodies or agencies

Social Security or national insurance number; passport number; tax identification number; military identification number; or driver’s or other license number.

  • Financial information and account details

Payment card number; bank account or other financial account number and account details; credit history and credit score; assets; income; and other financial information.

  • Other sensitive information

In certain cases, we may receive sensitive information about you for example, if you apply for insurance through a third party marketing partner that is a professional, trade, political, religious or community organization.  In addition, we may obtain information about your criminal record or civil litigation history in the process of preventing, detecting and investigating fraud.  We may also obtain sensitive information if you voluntarily provide it to us (for example, if you express preferences regarding medical treatment based on your religious beliefs).

  • Telephone recordings

Recordings of telephone calls to our representatives and call centers. 

  • Information to investigate or prevent crime, including fraud and money laundering

For example, insurers commonly share information about their previous dealings with policyholders and claimants for this purpose.

  • Information enabling us to provide products and services

Location and identification of property insured (for example, property address); policy and claim numbers; coverage details; cause of loss; and, your status as owner.

  • Marketing preferences and customer feedback

You may let us know your marketing preferences, or respond to a voluntary customer satisfaction survey.

  • Social media account and information from Apps

We may receive certain Personal Information about you when you use our Apps or Social Media Pages, including your social media account ID and profile picture.  If you elect to connect any of your other social media accounts to your account(s) on the PVI On-line Services, Personal Information from your other social media account(s) will be shared with us, which may include Personal Information that is part of you profile relating to those accounts or your friends’ profiles.

  • Information from Other Sources

To improve the quality of our products and services, and to carry out research and analysis, we and our service providers may supplement the Personal Information we collect with information from other sources, such as publicly available information from social media services, commercially available sources and information from our affiliates or business partners.

3. How We Use Personal Information

We use this Personal Information to:

  • Communicate with you and others as part of our business.
  • Send you important information regarding changes to our policies, other terms and conditions, our PVI On-line Services and other administrative information. 
  • Provide improved quality, training and security (for example, with respect to recorded or monitored phone calls to our contact numbers). 
  • Prevent, detect and investigate crime, including fraud and money laundering, and analyze and manage other commercial risks. 
  • Carry out research and analysis, including analysis of our customer base and other individuals whose Personal Information we collect as explained in this Privacy Policy. 
  • Provide marketing information to you (including information about other products and services offered by selected third-party partners) in accordance with preferences you have expressed. 
  •  Personalize your experience when using our PVI On-line Services by presenting information and advertisements tailored to you. 
  •  Identify you to anyone to whom you send messages through any of the PVI On-line Services. 
  •  Facilitate social sharing functionality. 
  • Manage our infrastructure and business operations, and comply with internal policies and procedures, including those relating to auditing; finance and accounting; billing and collections; IT systems; data and website hosting; data analytics; business continuity; and records, document and print management. 
  • Resolve complaints, and handle requests for data access or correction. 
  • Comply with applicable laws and regulatory obligations (including laws outside your country of residence), such as those relating to anti-money laundering, sanctions and anti-terrorism; comply with legal process; and respond to requests from public and governmental authorities (including those outside your country of residence). 
  • Establish and defend legal rights; protect our operations or those of any of our group companies or business partners, our rights, privacy, safety or property, and/or that of our group companies, you or others; and pursue available remedies or limit our damages.

 4. Sharing of Personal Information  

PVI may make Personal Information available to:

  • Our group companies

Other PVI group companies may have access to and use of Personal Information in connection with the conduct of our business where appropriate. 

  • Other insurance and distribution parties

In the course of marketing and providing insurance and processing claims, PVI may make Personal Information available to third parties such as other insurers; reinsurers; insurance and reinsurance brokers and other intermediaries and agents; appointed representatives; distributors; affinity marketing partners; and financial institutions, securities firms and other business partners. 

  • Our service providers

External third-party service providers, such as IT systems, support and hosting service providers; printing, advertising, marketing and market research and analysis service providers; banks and financial institutions that service our accounts;  document and records management providers; and similar third-party vendors and outsourced service providers that assist us in carrying out business activities. 

  • Recipients of your social sharing activity

Your friends associated with your social media account(s), other website users and your social media account provider(s), in connection with your social sharing activity, such as if you connect another social media account to your PVI On-line Services account or log into your PVI On-line Services account from another social media account. By connecting your PVI On-line Services account and your other social media account you authorize us to share information with your social media account provider and you understand that the use of the information we share will be governed by that other social media website’s privacy policy. If you do not want your Personal Information shared with other users or with your other social media account provider(s), please do not connect other social media accounts with your PVI On-line Services account and do not participate in social sharing using our PVI On-line Services. 

  • Governmental authorities and third parties involved in court action

PVI may also share Personal Information with governmental or other public authorities and third-party civil legal process participants and their accountants, auditors, lawyers and other advisors and representatives as we believe to be necessary or appropriate: (a) to comply with applicable law, (b) to comply with legal process; (c) to respond to requests from public and government authorities; (d) to enforce our terms and conditions; (e) to protect our operations or those of any of our group companies; (f) to protect our rights, privacy, safety or property, and/or that of our group companies, you or others; and (g) to allow us to pursue available remedies or limit our damages.

  • Other Third Parties

We may share Personal Information with purchasers and prospective purchasers or other parties in any actual or proposed reorganization, merger, sale, joint venture, assignment, transfer or other transaction relating to all or any portion of our business, assets or stock.    

Personal Information may also be shared by you, on message boards, chat, profile pages and blogs, and other services to which you are able to post information and materials (including, without limitation, our Social Media Pages and Apps). Please note that any information you post or disclose through these services will become public information, and may be available to visitors who access the PVI On-line Services and to the general public. We urge you to be very careful when deciding to disclose your Personal Information, or any other information, on the PVI On-line Services.

5. Security

PVI will take appropriate technical, physical, legal and organizational measures, which are consistent with applicable privacy and data security laws.  Unfortunately, no data transmission over the Internet or data storage system can be guaranteed to be 100% secure.  If you have reason to believe that your interaction with us is no longer secure (for example, if you feel that the security of any Personal Information you might have with us has been compromised), please immediately notify us.


When PVI provides Personal Information to a service provider, the service provider will be selected carefully and required to use appropriate measures to protect the confidentiality and security of the Personal 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 of that development. If a notification is appropriate, we would endeavor to do so as promptly as possible under the circumstances, and, to the extent we have your e-mail address, we may notify you by e-mail.

6. Personal Information of Other Individuals

If you provide Personal Information to PVI regarding other individuals, you agree: (a) to inform the individual about the content of this Privacy Policy, and any other applicable PVI Privacy Notice provided to you; and (b) to obtain any legally-required consent of Personal Information about the individual in accordance with this Privacy Policy and other Privacy Notice.

7. Marketing Preferences

We will provide you with regular opportunities to tell us your marketing preferences, including in our communications to you. You can also contact us by e-mail at legal@valueinsured.com or by writing to:

PVI Agency, LLC
ATTN; E-Commerce Legal
400 N St Paul Street, Suite 505, Dallas, TX 75201


to tell us your marketing preferences and to opt out.

If you no longer want to receive marketing-related e-mails from PVI on a going-forward basis, you may opt out of receiving these marketing-related emails by clicking on the link to “unsubscribe” provided in each e-mail or by contacting us at the above addresses. We will endeavor to comply with your opt-out request(s) within a reasonable time period. Please note that if you opt out as described above, we will not be able to remove your Personal Information from the databases of third parties with whom we have already shared your Personal Information (i.e., to those to whom we have already provided your Personal Information as of the date on which we respond to your opt-out request).  Please also note that if you do opt out of receiving marketing communications from us, we may still send you other important administrative communications from which you cannot opt out.
 

8. Social Security Numbers

It is PVI’s policy to protect customer and employee Social Security Numbers that we collect in the course of our business as confidential. This includes maintaining physical and electronic security procedures to guard against unauthorized access to Social Security Numbers. We also limit access to Social Security Numbers, by among other means, only granting access to Social Security Numbers to our employees who use that information to perform their job-related duties. In addition, we do not disclose Social Security Numbers to third parties, except where required or permitted by law.

9. Questions and Concerns

Please contact us if you have any questions or concerns about how we process Personal Information.

 10. Other Information We Collect Through our PVI On-line Services

“Other Information” is any information that does not reveal your specific identity, such as:

  • Browser and device information;
  • App usage data;
  • Information collected through cookies, pixel tags and other technologies;
  • Demographic information and other information provided by you; and
  • Aggregated information

How We Collect Other Information

We and our third-party service providers may collect Other Information in a variety of ways, including:

  • Through your browser or device:   Certain information is collected by most websites or automatically through your device, such as your IP address (i.e., your computer’s address on the internet), screen resolution, operating system type (Windows or Mac) and version, device manufacturer and model, language, internet browser type and version, time of the visit, page(s) visited and the name and version of the PVI On-line Services (such as the App) you are using.  We use this information to ensure that the PVI On-line Services function properly.
  • Through your use of the App: When you download and use the App, we and our service providers may track and collect App usage data, such as the date and time the App on your device accesses our servers and what information and files have been downloaded to the App based on your device number. 
  • Using cookies; online tracking: Cookies are pieces of information stored directly on the device you are using. Cookies allow us to recognize your device and to collect information such as internet browser type, time spent on the PVI On-line Services, pages visited, language preferences, country website preference. We may use the information for security purposes, to facilitate navigation, to display information more effectively, or to personalize your experience while using the PVI On-line Services. In addition, we may use the information to gather statistical information about the usage of the PVI On-line Services in order to understand how they are used, continually improve their design and functionality, and assist us with resolving questions about them. Cookies further allow us to present to you the advertisements or offers that are most likely to appeal to you. We may also use cookies to track your responses to our advertisements and we may use cookies or other files to track your use of other websites. We do not respond to browser do-not-track signals at this time.

Third parties may collect information about your use of the PVI On-line Services and your use of other websites or online services.

Below is a description of some of the cookies we may use on the Site, what they do, what data about you they collect and what we may use them for:

  • Google Analytics

We use a tool called “Google Analytics” to collect information about use of this site. Google Analytics collects information such as how often users visit this site, what pages they visit when they do so, and what other sites they used prior to coming to this site. We use the information we get from Google Analytics only to improve this site. Google Analytics collects only the IP address assigned to you on the date you visit this site, rather than your name or other identifying information. We do not combine the information collected through the use of Google Analytics with personally identifiable information. Although Google Analytics plants a permanent cookie on your web browser to identify you as a unique user the next time you visit this site, the cookie cannot be used by anyone but Google. Google’s ability to use and share information collected by Google Analytics about your visits to this site is restricted by the Google Analytics Terms of Use and the Google Privacy Policy. You can prevent Google Analytics from recognizing you on return visits to this site by disabling cookies on your browser.

You can refuse to accept the cookies we use by adjusting your browser settings. However, if you do not accept these cookies, you may experience some inconvenience in your use of the Site and some online products.

  • Using pixel tags, web beacons, clear GIFs or other similar technologies: These may be used in connection with some PVI On-line Services and HTML-formatted e-mail messages to, among other things, track the actions of users of the PVI On-line Services and e-mail recipients, measure the success of our marketing campPVIns and compile statistics about usage of the PVI On-line Services and response rates.

We may use interest-based advertising service providers to customize, target and report on PVI advertisements served across the web and mobile applications.  To do this, these service providers use cookies, pixel tags and other technologies to collect information about your and other users’ use of the PVI On-line Services and third-party sites and mobile applications.  If you would like to opt out of having your Site usage information used for these purposes, visit the self-regulatory program opt-out pages at www.aboutads.info/choices/ or www.networkadvertising.org/managing/opt_out.asp to opt out in desktop and mobile web browsers.  Download the AppChoices app at www.aboutads.info/appchoices to opt out in mobile applications.

  • Using your Physical Location: We may collect the physical location of your device by, for example, using satellite, cell phone tower or WiFi signals. We may use your device’s physical location to provide you with personalized location-based services and content. We may also share your device’s physical location, combined with information about what advertisements you viewed and other information we collect, with our marketing partners to enable them to provide you with more personalized content and to study the effectiveness of advertising campaIgns. In some instances, you may be permitted to allow or deny such uses and/or sharing of your device’s location, but if you choose to deny such uses and/or sharing, we and/or our marketing partners may not be able to provide you with the applicable personalized services and content
  • Using information provided by you: Some information (for example, your location or preferred means of communication) is collected when you voluntarily provide it. Unless combined with Personal Information, this information does not personally identify you. 
  •  By aggregating information: We may aggregate and use certain information (for example, we may aggregate information to calculate the percentage of our users who have a particular telephone area code).

Please note that we may use and disclose Other Information for any purpose, except where we are required to do otherwise under applicable law.  If we are required to treat Other Information as Personal Information under applicable law, or if we combine Other Information with Personal Information, then, in addition to the uses listed in the “ Other Information We Collect ” section above, we may use and disclose Other Information for all the purposes for which we use and disclose Personal Information.   

11. Third Party Privacy Practices

This Privacy Policy does not address, and we are not responsible for, the privacy, information or other practices of any third parties, including any third party operating any site or service to which the PVI On-line Services link.  The inclusion of a link on the PVI On-line Services does not imply endorsement of the linked site or service by us or by our group companies.

Please note that we are not responsible for the collection, usage and disclosure policies and practices (including the data security practices) of other organizations, such as Facebook, Apple, Google, Microsoft, RIM or any other software application developer or provider, social media platform, operating system or wireless service provider, or device manufacturer, including any Personal Information you disclose to other organizations through or in connection with the Apps or our Social Media Pages.

 12. Use of Services by Minors

The PVI On-line Services are not directed to individuals under the age of eighteen (18), and we request that these individuals do not provide Personal Information through the PVI On-line Services.

13. Changes to This Privacy Policy

We review this Privacy Policy regularly and reserve the right to make changes at any time to take account of changes in our business and legal requirements.  We will place updates on our website.

Please take a look at the “LAST UPDATED” date at the top of this Privacy Policy to see when it was last revised