Budget Insurance’s Privacy Statement
Budget Insurance Associates Inc. values your trust and is committed to the responsible management, use and protection of personal information.
Budget Insurance does business in a number of different jurisdictions and this Privacy Statement is not a comprehensive statement of all measures taken and rules complied with in each of those jurisdictions. Certain customer information may be protected by various privacy laws. Budget Insurance intends to comply with the privacy laws of the jurisdictions where we do business. Additional Privacy Statements may apply depending on your jurisdiction or customer relationship.
Personal information is information that identifies an individual personally or is capable of being associated with a particular individual. Personal information may in certain circumstances include such information as name, address, phone number, email address, credit history, date of birth, Social Security number, drivers license number, credit or debit card number, policy or claim information and health information.
How We Collect Personal Information
We collect personal information to enable us to provide our products and services to customers and to support our business operations. We obtain personal information from our agents, directly from the customer, from customer-related transactions and from third parties, such as a consumer reporting agency.
Safeguarding Your Information
We use procedural, manual and electronic security controls to maintain the confidentiality and integrity of personal information in our possession and guard against its unauthorized access. Some techniques we employ to protect information include user authentication, encryption, firewall technology and the use of detection software. We take steps to identify information that must be protected, provide an adequate level of protection for that data and grant access to protected data as permitted or required by law.
Some of Budgets’ employees and agents may have access to customer personal information in the course of doing their jobs, which includes underwriting policies or advising customers of our products and services. They are expected to keep this information in confidence and share the information only with those who have a business reason to know. They are prohibited from making unauthorized disclosure of personal information that we obtain about customers. Employees who violate our policies on privacy may be subject to disciplinary action.
Disclosing Personal Information
We keep our customers’ personal information private and do not give it to others, unless allowed. We do not give or sell our customers’ personal information to other companies for their marketing purposes.
We may give personal information to other persons or companies to help us manage or service our business. When we do, we require them to use it only for the reasons we gave it to them. To serve our customers and administer our business, including the processing of claims, we may share personal information with unaffiliated third parties, including agents, brokers, other insurance companies, reinsurers, regulators, administrators and service providers and as otherwise permitted or required by law. Such sharing of data may be outside the jurisdiction in which the data was obtained.
Use of Telephone Numbers & Email
By giving us a telephone number and/or email, you consent to being contacted at that number or email, including if the number is for a cell phone or other wireless device. We may contact you in person, by recorded message, by the use of automated dialing equipment, by text (SMS) message, or by any other means of communication your device is capable of receiving, as allowed by law and for reasonable business purposes, including to service your policy with us.
Information for web users
When you visit budget-insurance.com, we gather non-personally identifiable information about your visit, including data such as the internet address of your computer, the type of browser you are using and which web pages referred you to our website. We collect this information so that we can analyze the use of our website and improve our services and your experience. For example, we may use this information to tell you about similar products or services that might be of interest to you.
Our Ad Companies may use non-personally identifiable information about your visits to various websites to provide ads about goods and services of interest to you. In addition, we may share website usage information with our Ad Companies to manage and target ads and for market research. We and our Ad Companies may track some of the pages you visit on our site through cookies and other technologies.
It is possible to opt out of third party advertising programs by visiting the Network Advertising Initiative or Self-Regulatory Principles for Online Behavioral Advertising.
You can choose to have your browser warn you each time a cookie is delivered to you, or you can choose to reject all cookies delivered through your browser. You can do this by changing the security settings on your browser. Additionally you may disable conversion tracking by setting your browser to block cookies from the budget-insurance.com domain. For instructions on how to modify these settings on your computer, refer to your browser documentation in the “Help” menu. Please note, if you choose to reject cookies, you may not have an optimal experience on our website, as some features will not work properly.
Some areas of budget-insurance.com have been designed to support popular social media websites. Similar to our advertising partners, some of these sites may collect tracking data by leveraging cookies. Budget Insurance does not directly supply social media sites with any personal information.
Budget Insurance does not control the privacy policies of our advertising and social media partners. Please visit the sites of these businesses to review their privacy policies.
Social Security Protection Policy Statement
Budget Insurance is committed to complying with all legal and contractual duties regarding the confidentiality of Social Security numbers. Budget Insurance protects the confidentiality of social security numbers by disclosing them only as permitted by law. Budget seeks to limit their access, use, and disclosure consistent with our Privacy Statement and is committed to prohibiting their unlawful disclosure through the use of physical, electronic, and procedural safeguards.
Privacy Statement for Individual U.S. Personal Insurance Consumers
What we mean when we talk about “privacy”
Your privacy is important to us. When we sell an insurance policy to a person we need information about the person or property that we’re insuring. We consider this private and have taken steps to keep it confidential.
We want you to know about our privacy practices. This Privacy Statement tells you the kinds of information we get about you, where we get it, and with whom, if anyone, we may share it.
This Statement describes our privacy procedures and practices for individuals who seek or get auto, home and other personal liability and property insurance for personal, family or household needs.
What kind of information we have and where we get it
You give us most of what we need in the application process. To make sure what we have is correct we may need to check with you by phone (including cell phone or other mobile device), E-mail or mail.
By giving us a telephone number or email, you consent to being contacted at that number or email, including if the number is for a cell phone or other wireless device. We may contact you in person, by recorded message, by the use of automated dialing equipment, by text (SMS) message, or by any other means of communication your device is capable of receiving, as allowed by law and for reasonable business purposes, including to service your policy with us.
You may be asked to give us more details in writing or over the phone. Plus, we may receive and check your past insurance claims from insurance support organizations or your former insurers.
As allowed by law, we may ask for credit and other consumer reports from consumer reporting agencies concerning your application for insurance or any renewal of insurance. Information given to us by an insurance support organization, including consumer reporting agencies may be retained by them and disclosed to other persons.
For auto insurance, we often get a report of accidents or convictions from your State Motor Vehicle Department. We get these reports through an independent reporting company. We may also check information from government agencies or independent reporting companies. This helps us correctly rate and price your policy.
For home, building, or boat insurance, we or an inspector from an independent company may visit the property to inspect and report on its condition. In some cases, pictures may be taken. This allows us to check the estimate we have of your property’s value. If we need more details about the property or the alarm you’ve installed, we may need to enter your property to finish the inspection. We would contact you before entering your property.
As a part of our application and underwriting process, in most states, we also order an Insurance Score based on credit history. We use the Score, information you give us, and other consumer reports for underwriting and the price we will charge. If we receive corrected personal information from a consumer reporting agency, we will re-evaluate you.
Once you’re insured with us, your file may contain details about your policy(ies). This may include bill payments or claim history. A claim representative may comment, for example, on the condition and use of the insured property. We may also keep a police report if one was issued.
Sometimes we need to know about your health. For example, if we need to know whether a physical limitation will affect your ability to drive, we would ask you to sign a form allowing your personal doctor to answer any question we may have.
Who has access to this information
We keep what we collect about you in our files. Our policies and procedures protect your personal information. We have physical, electronic and procedural safeguards in place.
We do not give or sell our customers’ personal information to others for marketing purposes. You don’t have to ask us to keep your information private because we do not give it, unless allowed.
We will use information about you to sell you insurance, service your insurance and settle claims. We may give the information to other persons or companies to help us manage or service our business. When we do, we require them to use it only for the reasons we gave it to them.
We may give, without your past permission and only if allowed by law, information about you held in our files to certain persons or organizations such as:
- Our affiliated property and casualty insurance companies
- An independent claim adjuster or investigator
- An insurance support organization, including consumer reporting agencies
- Another insurer in order to prevent or prosecute fraud
Also, we may be required to share this information:
- With a State Insurance Department or other governmental agency, if required by federal, state or local laws
- If ordered by a summons, court order, search warrant or subpoena
- To protect our own legal interests, or in case of suspected fraud or other illegal activities
How to find out what information we have about you
If you have any questions about what we have in your file please write to us. When we receive your written request, we will respond within thirty (30) business days. We will let you know if we’ve given any information about you to anyone in the past. If we asked for a consumer report we will tell you the name and address of the consumer reporting agency.
You may also see and copy your file (except for certain documents about claims and lawsuits). If you believe any of our information is wrong we’ll check it out and if we agree there was an error, we’ll correct it. If we don’t agree, you’re still allowed to file a letter with your comments. We’ll send the correction or letter to anyone who received or will receive the original information.
If you have any questions about the right of access to or correction of your file or our privacy and security policies, please contact:
Budget Insurance Associates, Inc. 520.882.5000
PO Box 5047
Tucson, AZ 85703
When you write, please be sure to tell us your:
- Policy number
- Phone number and the best time of the day for us to call you