Privacy Policy. This notice describes our privacy policies and procedures in safeguarding information about customers and former customers who obtain financial products or services for personal, family, or household purposes. Our Enterprise Privacy Statement (available from our Privacy Center website) explains the privacy practices of our businesses. It should be read together with this Privacy Policy, as applicable. Please note that if state law is more protective of an individual's privacy than federal privacy law, we will protect information in accordance with state law while also meeting federal requirements. Information We Collect We may collect the following categories of information for the purposes identified below. Please note that the examples are not an exhaustive list and may fall into multiple categories. Categories and specific pieces of information collected may vary depending on the nature of your relationship with us. Category Examples Personal Identifiers Name, alias, address, social security number, date of birth, passport number, unique personal identifier, online identifier, IP address, e-mail address, account name, government issued identification number, phone number, signature Personal Characteristics Gender, demographic, medical and health, convictions, marital status, offspring, driving record, family member/other status, and other descriptions of your physical characteristics. Commercial Information Personal property, insurance policy number, medical information, or health insurance information, purchased products or services, considered products or services, purchasing or consuming histories or tendencies. Biometric Information Audio, electronic, visual, thermal, olfactory <Form Number> WEST\288130813.1 Voice print, photo. Audio, electronic, photo, visual information, such as a call or video recording, voicemail messages. Internet or network activity Information regarding your interactions with websites, applications, and advertisements, browser type, electronic communications, IP address, cookies. Geolocation IP address, physical address, telephone number, state, municipality, location, devices, applications on mobile and computer devices. Professional information and Employment information/Education Information Job titles, work history, school attended, employment status, veteran, or military status. Proprietary Page x of x Education Information Job titles, work history, school attended, marital status, e-mail, telephone recordings. Inferences Preferences, behaviors, characteristics, trends, predispositions, attitudes, abilities, and aptitudes. Sensitive Personal Information Social security number, driver’s license number, state ID card, account login, precise geo-location, bank account number, credit or debit card number, or any other financial information, trade union membership, your communications with us. Purposes for Collection of Personal Information We collect and use your personal information to offer, provide and maintain insurance products and related services to you. We may use your personal information for one or more of the following purposes:
To offer, provide, and maintain insurance products and related services to you; To maintain your preferences and to contact you; Security: authentication and verification of your identity, fraud identification and protection; Conduct analytics, research and development, improvement of our products and service; To conduct quality assurance; To provide a location-based product or service requested by you; To apply relevant discounts; To create profiles based on personal information collected and reflecting individual preferences to provide appropriate or relevant products and services and improve and analyze our products and services and providerelevant marketing;
We collect certain information ("nonpublic personal information") about you and the members of your household (collectively, “you") from the following sources: • Information you provide on applications or other forms, such as your social security number, assets, income, and property information.
Information about your transactions with us, our affiliates, or others, such as your policy coverage, premiums, andpayment history. Information from your visits to the websites we operate, use of our mobile sites and applications, use of our socialmedia sites, and interaction with our on-line advertisements. Information we receive from consumer reporting agencies or insurance support organizations, such as motor vehiclerecords, credit report information, and insurance claim history; and If you obtain a life, long-term care, or disability product, information we receive from you, medical professionals whohave provided care to you and insurance support organizations, regarding your health.
Proprietary How Long Do You Retain My Information We retain your personal data for as long as reasonably necessary to fulfill the purpose for which it was collected or to comply with legal, regulatory, or internal procedures or obligations. <Form Number> Page x of x WEST\288130813.1 How We Protect Your Information Our customers are our most valued assets. Protecting your privacy is important to us. We restrict access to personal information to those individuals, such as our employees and agents, who help us provide you with our products and services. We require individuals with access to your information to protect it and keep it confidential. We maintain physical, electronic, and procedural safeguards that comply with applicable regulatory standards to guard your nonpublic personal information. We do not disclose any nonpublic personal information about you, except as described in this notice or as otherwise required or permitted by applicable law. Information We Disclose We may disclose the nonpublic personal information we collect about you, as described above, to our affiliates, to companies that perform marketing services on our behalf, and to other financial institutions with which we have joint marketing agreements, and to other third parties, all as permitted by law and for our everyday business purposes, such as to process your transactions and maintain your accounts and insurance policies. Many employers, benefit plans, or plan sponsors restrict the information that can be shared about their employees or members by companies that provide them with products or services. If you have a relationship with Farmers or one of its affiliates as a result of products or services provided through an employer, benefit plan, or plan sponsor, we will follow the privacy restrictions of that organization. We are permitted to disclose personal health information:
(1) to process your transaction with us, for instance, to determine eligibility for coverage, to process claims, or to prevent fraud;
(2) with your written authorization, and
(3) otherwise as permitted by law. When you are no longer our customer, we continue to share your information as described in this notice. Sharing Information with Affiliates The Farmers Insurance Group of Companies® includes affiliates that offer a variety of financial products and services in addition to insurance. Sharing information enables our affiliates to offer you a more complete range of products and services. We may disclose nonpublic personal information, as described above in Information We Collect, as permitted by law to our affiliates, which include:
Financial service providers, such as insurance companies and reciprocals, investment companies, underwriters, andbrokers/dealers. Non-financial service providers, such as data processors, billing companies, and vendors that provide marketingservices for us.
We are permitted by law to share with our affiliates information about our transactions and experiences with you. In addition, we may share with our affiliates consumer report information, such as information from credit reports and certain application information, received from you and from third parties, such as consumer reporting agencies and insurance support organizations. Proprietary <Form Number> Page x of x WEST\288130813.1 IMPORTANT PRIVACY CHOICES You have choices about the sharing of some information with certain parties. These choices may differ based on the particular affiliate(s) with which you do business. For 21st Century customers: We are offering you an opt-out opportunity which is provided on the Opt-Out Form provided with your policy documents. If you prefer that we not share your consumer report information with Farmers, you may opt- out of such disclosures; that is, you may direct us not to make those disclosures —other than as otherwise permitted by law. You may do so by following the procedure explained in the Opt-Out Form. You may opt-out only by returning the Opt-Out Form. We will implement your request within a reasonable time. If it is your decision not to opt-out and to allow sharing of your information with the Farmers affiliates, you do not need respond in any way. For Bristol West customers: If you prefer that we not share consumer report information with our affiliates, except as otherwise permitted by law, you may use the Opt-Out form below. Please verify that your Bristol West policy number is listed. If not, please add the policy numbers on the form and mail to the return address printed on the form. We will implement your request within a reasonable time after we receive it. Any policyholder may opt-out on behalf of other joint policyholders. An opt-out by any joint policyholder will be deemed to be an opt-out by all policyholders of the policy. If it is your decision not to opt-out and to allow sharing of your information with our affiliates, you do not need to request an Opt-Out or respond to us in any way. For Farmers customers: If you prefer that we not share consumer report information with our affiliates, except as otherwise permitted by law, you may request an Opt-Out Form by calling toll free, 1-800-327-6377, (please have all of your policy numbers available when requesting Opt-Out Forms). A form will be mailed to your attention. Please verify that all of your Farmers policy numbers are listed. If not, please add the policy numbers on the form and mail to the return address printed on the form. Any policyholder may opt-out on behalf of other joint policyholders. An opt-out by any joint policyholder will be deemed to be an opt-out by all policyholders of the policy issued by the affiliates listed on the Farmers Privacy Notice. We will implement your request within a reasonable time after we receive the form. If you decide not to opt-out, or, if you have previously submitted a request to opt-out on each of your policies, no further action is required. --- Additionally, under the California Consumer Privacy Act (“CCPA”), California residents have the right to opt-out of the sale of personal information to certain third parties. Although we do not currently share personal information in a manner that would be considered a sale under CCPA, you may still submit a request to opt-out by calling us at 1-855-327- 6548 or submitting a request through our CCPA Web Form at https://www.farmers.com/california-consumer-privacy/. Modifications to our Privacy Policy We reserve the right to change our privacy practices in the future, which may include sharing nonpublic personal information about you with other nonaffiliated third parties. Before we make any changes, we will provide you with a revised privacy notice and give you the opportunity to opt-out of, or, if applicable, to opt-in to that type of information sharing. Proprietary <Form Number> Page x of x WEST\288130813.1 Website and Mobile Privacy Policy Our Enterprise Privacy Statement includes our website and mobile privacy policies, which provides additional information about website and mobile application use. Please review those notices if you transmit personal information to us over the Internet through our websites and/or mobile applications. Recipients of this Notice While any policyholder may request a copy of this notice, we are providing this notice to the named policyholder residing at the mailing address to which we send your policy information. If there is more than one policyholder on a policy, only the named policyholder will receive this notice. You may receive more than one copy of this notice if you have more than one policy with us. You also may receive notices from affiliates, other than those listed below. More Information about these Laws? This notice is required by applicable federal and state law. For more information, please contact us. Signed Farmers Insurance Exchange, Fire Insurance Exchange, Truck Insurance Exchange, Mid-Century Insurance Company, Farmers Insurance Company, Inc. (A Kansas Corp.), Farmers Insurance Company of Arizona, Farmers Insurance Company of Idaho, Farmers Insurance Company of Oregon, Farmers Insurance Company of Washington, Farmers Insurance of Columbus, Inc., Farmers Insurance Hawaii, Inc., Farmers New Century Insurance Company, Farmers Services Insurance Agency, Farmers Specialty Insurance Company, Farmers Texas County Mutual Insurance Company, Farmers Financial Solutions, LLC (a member of FINRA and SIPC)*, FFS Holding, LLC, Illinois Farmers Insurance Company, Mid-Century Insurance Company of Texas, Texas Farmers Insurance Company, Civic Property and Casualty Company, Exact Property and Casualty Company, and Neighborhood Spirit Property and Casualty Company, American Federation Insurance Company, 21st Century Advantage Company, 21st Century Assurance Company, 21st Century Casualty Company, 21st Century Centennial Insurance Company, 21st Century Insurance & Financial Services, Inc., 21st Century Insurance Company, 21st Century North America Insurance Company, 21st Century Premier Insurance Company, Hawaii Insurance Consultants Ltd., American Pacific Insurance Company, Inc., Bristol West Casualty Insurance Company, Bristol West Holdings, Inc., Bristol West Insurance Company, Bristol West Insurance Services of California, Inc., Bristol West Insurance Services, Inc. of Florida, Bristol West Preferred Insurance Company, BWIS of Nevada, Inc.; Coast National Holding Company, Coast National Insurance Company; Foremost County Mutual Insurance Company, Foremost Insurance Company Grand Rapids, Michigan, Foremost Lloyds of Texas, Foremost Property and Casualty Insurance Company, Foremost Signature Insurance Company, and Security National Insurance Company (Bristol West Specialty Insurance Company in TX), Farmers Property and Casualty Insurance Company, Farmers Casualty Insurance Company, Farmers Group Property and Casualty Insurance Company, Economy Fire & Casualty Company, Economy Preferred Insurance Company, Farmers Lloyds Insurance Company of Texas, Economy Premier Assurance Company, Farmers Direct Property & Casualty Insurance Company, Toggle Insurance Company. The above is a list of the affiliates on whose behalf this privacy notice is being provided. It is not a comprehensive list of all affiliates of the companies comprising the Farmers Insurance Group of Companies. *For more background information about Farmers Financial Solutions, LLC (“FFS”) or its registered representatives/agents, visit FINRA’s BrokerCheck at www.finrabrokercheck.com ,or call the BrokerCheck toll free hotline at (800) 289-9999. You may obtain information about the Securities Investor Protection Program (“SIPC”), including the SIPC brochure by contacting SIPC at (202) 371-8300, or via the internet at www.sipc.org. FFS is registered with the US Securities and <Form Number> Page x of x WEST\288130813.1 Proprietary Proprietary Exchange Commission and the Municipal Securities Rulemaking Board (“MSRB”). The MSRB website is accessible at www.msrb.org and includes an Investor brochure that describes the protections that may be provided by the MSRB and how to file a complaint with the appropriate regulatory authority.