Thank you for visiting Combined Insurance’s website and Mobile App which is owned and maintained by Combined Insurance and its subsidiaries (“Combined”). We respect your privacy and want you to understand the ways in which we collect and use information provided online.
Those services are governed by the privacy policies that appear on those sites and applications. Depending upon your relationship with us, you may receive other privacy notices from us providing additional detail about our privacy practices.
How We Collect Personal and Non-Personal Information through the Online Services
We collect two kinds of information through the Online Services: non-personal information and personal information.
The non-personal information we collect includes: the visitor’s browser type, device type, and operating system; area(s) of the Online Services visited; date and time of access; host or Internet service provider (ISP) information; and identity of the referring site (any site from which the visitor accessed the Online Services).
We also collect personal information that can identify a visitor, user or insured, including but not limited to name, address or other contact information, policy information, claim information (including materials you submit as part of your claim), customer service requests, or other information that you choose to provide to us, but only when you voluntarily provide it. If you apply for a job or register with our Career Center, we may collect personal information about your work and educational history.
The privacy of children online is an important issue to Combined, and Combined encourages parents to supervise their children’s activities online. Combined does not seek or knowingly collect personal information from children under the age of 13. Combined requests that children under the age of 13 not disclose or provide any personal information through the Online Services. If we learn that we have received information directly from a child who is under the age of 13, we will take appropriate action in accordance with applicable law. To learn more about the Children’s Online Privacy Protect Act (COPPA) please visit the Federal Trade Commission's website at https://www.ftc.gov/
How We Use Your Information
We may use the information we collect through the Online Services for a number of purposes including:
- to provide you with, renew or modify products and services;
- to provide you with the information and documents you request and for other customer service purposes;
- to process claims;
- to provide you with information about the Online Services or required notices;
- to deliver marketing communications or promotional materials that may be of interest to you and to assist us in determining relevant advertising;
- to improve the services we provide and the usefulness of the Online Services;
- to customize your experience when using the Online Services;
- to comply with applicable laws;
- to perform research; and
- to prevent and detect fraud, infringement and other potential misuse.
We also may anonymize, combine or aggregate any of the information we collect through the Online Services or elsewhere for any of these purposes or for analyzing usage statistics and trends.
How We Collect, Use and Protect Social Security Numbers
Combined may collect Social Security numbers (“SSNs”) in the course of our business. We strive to protect the confidentiality and security of SSNs in our possession, custody or control by: (i) limiting access to SSNs and (ii) maintaining reasonable administrative, technical and physical safeguards to protect against the loss, misuse or unlawful disclosure of SSNs. We do not share SSNs for marketing purposes.
How We Use “Cookies” and Other Data Collection Tools
Why are cookies important for the use of Combined websites?
- Cookies enable an individually tailored use of the websites. Some functions on our websites cannot be used without cookies, i.e. logging in or changing settings. Cookies need to be enabled for optimal use of the website.
- We are unable to monitor visitor numbers for our website without cookies. Security and fraud risks on our site increase without this information, which is something we wish to avoid.
- Cookies allow us to check how users access and navigate our site. This is very important in order to make the website better and more user friendly.
Types of Cookies
Cookies may be either “persistent” cookies or “session” cookies. This website uses both persistent and session cookies.
A persistent cookie consists of a text file sent by a web server to a web browser, which allows us to collect and analyze (on an anonymous basis) traffic and use of this website, monitor the system and improve operating performance, for example, store your preferences to enhance your subsequent visits. It will not be automatically deleted when the browser is closed but is stored by the browser and will remain valid until its set expiration date (unless deleted by the user before the expiration date).
A session cookie is essential to ensure the correct functioning of this website and is used to manage registration/login and access to reserved features. It is stored temporarily during a browsing session and will expire at the end of the user session, when the web browser is closed.
It is also important to be aware that some cookies (which are generally session cookies) are what is known as strictly necessary. Strictly necessary cookies enable you to move around the website and use features which you have explicitly requested. You can disable other forms of cookie while allowing strictly necessary cookies - see “Your Cookies Choices” below.
Clear GIFs, pixel tags, and other technologies. In addition to cookies, we may also use other means of passively collecting non-personally identifiable data about your use of our web sites, such as through the use of “clear GIFs” (small pieces of data that may be embedded in images on our web sites that enable us to track your usage of our web sites) and analyzing “click stream” data (the virtual trail you leave behind while browsing the Internet and viewing our web sites).We use clear GIFs and click stream data to gather data about your visit to our web sites and in connection with emails to track response rates. The data may include information about your device, such as your IP address, but does not identify you by name. Blocking cookies will prevent clear GIFs from tracking your activity, and also prevent us from collecting certain other information, such as your IP address; but we still obtain a record of a visit. In addition to the information we collect from cookies, from clear GIFs, through the analysis of click stream data, and any other means we may employ to collect non-personally identifiable information about you or your visits to our web sites, we may also obtain anonymous information which you provide to us online -- for example, when you use our tools and calculators.
Your Cookie Choices
You can enable or disable cookies by adjusting your browser settings. This allows you to reject the placement of all cookies (except strictly necessary cookies). You can also delete cookies which have already been placed on your device.
Please remember that disabling or deleting some or all cookies may prevent some web services (including on this website) from functioning correctly and may lead to a less smooth or less personalized browsing experience.
You should visit the “Help” section of your browser for how to manage your cookie settings, or follow the links below:
Opting-out of Third Party Ad Networks
You may opt out of many third-party ad networks. For example, you may go to the Digital Advertising Alliance (“DAA”) Consumer Choice Page for information about opting out of interest-based advertising and their choices regarding having information used by DAA companies.You may also go to the Network Advertising Initiative (“NAI”) Consumer Opt-Out Page for information about opting out of interest-based advertising and their choices regarding having information used by NAI members.
Opting out from one or more companies listed on the DAA Consumer Choice Page or the NAI Consumer Opt-Out Page will opt you out from those companies’ delivery of interest-based content or ads to you, but it does not mean you will no longer receive any advertising on other websites. You may continue to receive advertisements, for example, based on the particular website that you are viewing (i.e., contextually based ads). Also, if your browsers are configured to reject cookies when you opt out on the DAA or NAI websites, your opt out may not be effective. Additional information is available on the DAA’s website at www.aboutads.info or the NAI’s website at www.networkadvertising.org.
Security of Internet Communications
The Internet is not a secure medium. We employ reasonable administrative, technical and physical safeguards designed to protect personal information. When you enter sensitive information (such as a credit card number or social security number) on our web sites, we encrypt that information using secure socket layer technology (SSL) or similar technology during its transmission to our web site. Unfortunately, no method of transmitting or storing data can be guaranteed to be secure, and we do not assume any responsibility for any harm, loss or damage you may experience from transmission of information by or to Combined over the Internet. If you believe that the security of any account you might have with us has been compromised, please contact us using one of the methods described below.
We restrict access to personal information collected about you at our web sites to our employees, our affiliates’ employees or others who need to know that information to provide services to you or in the course of conducting our normal business operations.
How to Contact Us and Access and Correct Your Information
If you have a question or would like to access and correct personal information you have submitted to us through the Online Services, please log into your account for the particular Online Service or send a letter or email to the address below with your question or requesting to see your information.
Please address requests to:
Combined Insurance Company of America
Attention: HIPAA Privacy Office
P.O. Box 6705
Scranton, PA 18505-0705
Blogs and Other Interactive Features
We may offer blogs, online forums or other interactive features on the Online Services that enable you to share information about our services or other issues of interest. You should be aware that any communications you submit or post to any such interactive features on the Online Services may be viewable by other participants or users. Therefore, by submitting or posting to such interactive features you acknowledge and agree that you have no expectation of privacy or confidentiality in the content you submit for such features, whether or not it contains personal information about you.
Links to Other Sites
We are not responsible for the collection, usage and disclosure policies and practices (including the data security practices) of other organizations, such as Google, Apple, Microsoft and Facebook or any other app developer, app provider, social media platform provider, operating system provider, wireless service provider or device manufacturer, including any Personal Information you disclose through or in connection with the Apps or our Social Media Pages.
Maintenance of the Services
Many of the Online Services are maintained by us in the United States and are not intended to subject us to the laws or jurisdiction of any state, country or territory other than that of the United States.
Last Updated December, 2019
ADDITIONAL NOTICE TO CALIFORNIA RESIDENTS (EFFECTIVE ON JANUARY 1, 2020)
If you would like to go directly to the section of this notice disclosing the categories of personal information that we collect, please click here.
If you would like to exercise your rights under the California Consumer Privacy Act, please visit us at our Data Subject Request web page by clicking here or by calling us at the following toll-free telephone number 1-800-225-4500.