Privacy Policy

Effective Date: January 1, 2020

Last Updated: June 18, 2020

This Privacy Policy describes how Unico American Corporation and its subsidiaries and affiliates, including Crusader Insurance Company, Unifax Insurance Systems, Inc., American Acceptance Corporation, Insurance Club, Inc., dba AAQHC, an Administrator, US Risk Manager, Inc., and American Insurance Brokers, Inc. (collectively, “Unico,” “we,” “us,” or “our”) collect, use, store, and share your personal information.

For the purposes of this Privacy Policy, the phrase “personal information” refers to information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with you or your household. This definition does not impact any legal or regulatory obligation on Unico, nor does it alter the applicable definition of personal information, personally identifying information, or other similar phrases and terms used under applicable law.

This Privacy Policy applies to:

Websites. Information we collect when you access and/or use our websites, including but not limited to www.crusaderinsurance.com, www.aacloans.com, www.unifaxinsurance.com, www.usriskmanagers.com, www.aaqhc.com, and www.aib4insurance.com (collectively, “Websites”).
Producer Portal. Information collected when you access and/or use our Producer Portal, located on some of our Websites (“Portal”).
Forms and Applications. Information collected when you fill out our forms and applications, available both on the Websites and through other channels (“Forms”).
Services. Information collected when you seek our products and services (“Services”).
Communications. Information collected when you communicate with us in any manner, including by email, fax, telephone, or in person.
Third-Parties. Information collected about you from third parties, such as service providers, non-affiliated organizations, governmental entities, third-party claimants, and witnesses to accidents.

Please read this Privacy Notice carefully. The practices described in this Privacy Notice are subject to applicable laws in the places in which we operate.

BY ACCESSING AND/OR USING OUR WEBSITES, PORTAL, FORMS, SERVICES, OR BY COMMUNICATING WITH US IN ANY MANNER, YOU REPRESENT THAT YOU HAVE READ AND UNDERSTOOD THIS PRIVACY POLICY.

Depending on whether you interact with our Websites, Portal, Forms, or Services, whether you communicate with us, or whether we interact with a third-party, we may collect a variety of categories of personal information from or about you.

Below we outline those categories, the categories of sources from which we collect the information, and outline the business and/or commercial purpose for it is used.

If you are a California resident, please note that the information provided below reflect our practices as it relates to California residents going back twelve (12) months prior to the date this Privacy Policy was last updated.

Category of personal information collected	Source of collection	Purpose for collection
Identifiers such as first name, last name, email address, telephone number, online identifier, and IP address.	Individual user of Websites. Automatically from devices and/or browsers.	To facilitate access and use of the Websites. To obtain a quote. To facilitate a claim. To communicate with you. To ensure compliance with relevant laws and regulations, including any contractual requirements. To perform a service on your behalf. To detect security incidents and protect against deceptive, fraudulent, or illegal activity. To debug and repair errors that impair existing functionality of internal resources, networks, and databases. To perform statistical analysis concerning the use of the Websites.
Internet or other electronic network activity information, such as your interactivity with the Websites, pages and forms on the Websites, and other network activity.	Individual user of Websites. Automatically from devices and/or browsers.	To facilitate access and use of the Websites. To detect security incidents and protect against deceptive, fraudulent, or illegal activity. To debug and repair errors that impair existing functionality of internal resources, networks, and databases. To perform statistical analysis concerning the use of the Websites.
Some forms of geolocation data, including country, region, city, postal/zip code, and time zone.	Individual user of Websites. Automatically from devices and/or browsers.	To facilitate access of the Websites. To detect security incidents and protect against deceptive, fraudulent, or illegal activity. To debug and repair errors that impair existing functionality of internal resources, networks, and databases. To perform statistical analysis concerning the use of the Websites.

Category of personal information collected	Source of collection	Purpose for collection
Identifiers such as Producer Number, User ID, passcode, first name, last name, email address, telephone number, online identifier, and IP address.	Individual user of Portal. Automatically from devices and/or browsers.	To facilitate your access and/or use of the Portal. To communicate with you. To ensure compliance with relevant laws and regulations, including contractual obligations. To perform a service on your behalf. To detect security incidents and protect against deceptive, fraudulent, or illegal activity. To debug and repair errors that impair existing functionality of internal resources, networks, and databases.
Electronic network activity information associated with your access and/or use of the Portal.	Individual user of Portal. Automatically from devices and/or browsers.	To facilitate access and/or use of the Portal. To communicate with you. To ensure compliance with relevant laws and regulations, including contractual obligations. To perform a service on your behalf. To detect security incidents and protect against deceptive, fraudulent, or illegal activity. To debug and repair errors that impair existing functionality of internal resources, networks, and databases.
Some forms of geolocation data, including country, region, city, postal/zip code, and time zone.	Individual user of Portal. Automatically from devices and/or browsers.	To facilitate access and use of the Portal. To detect security incidents and protect against deceptive, fraudulent, or illegal activity. To debug and repair errors that impair existing functionality of internal resources, networks, and databases.

Category of personal information collected

Source of collection

Purpose for collection

Identifiers such as Producer Number, User ID, passcode, first name, last name, email address, telephone number, online identifier, and IP address.

Individual user of Portal.
Automatically from devices and/or browsers.

To facilitate your access and/or use of the Portal.
To communicate with you.
To ensure compliance with relevant laws and regulations, including contractual obligations.
To perform a service on your behalf.
To detect security incidents and protect against deceptive, fraudulent, or illegal activity.
To debug and repair errors that impair existing functionality of internal resources, networks, and databases.

Electronic network activity information associated with your access and/or use of the Portal.

Individual user of Portal.
Automatically from devices and/or browsers.

To facilitate access and/or use of the Portal.
To communicate with you.
To ensure compliance with relevant laws and regulations, including contractual obligations.
To perform a service on your behalf.
To detect security incidents and protect against deceptive, fraudulent, or illegal activity.
To debug and repair errors that impair existing functionality of internal resources, networks, and databases.

Some forms of geolocation data, including country, region, city, postal/zip code, and time zone.

Individual user of Portal.
Automatically from devices and/or browsers.

To facilitate access and use of the Portal.
To detect security incidents and protect against deceptive, fraudulent, or illegal activity.
To debug and repair errors that impair existing functionality of internal resources, networks, and databases.

Category of personal information collected	Source of collection	Purpose for collection
Identifiers such as first name, last name, Producer Number, email address, physical address, social security number, driver’s license number, vehicle information, online identifier, and IP address.	Individual filling out the Forms, soliciting the Services, or communicating with us. Representatives of individuals, including Producers. Automatically from devices.	To facilitate access and use of the Websites and Portal. To obtain a quote. To facilitate and/or investigate a claim. To facilitate a request for Services. To complete a Producer application or Producer agreement. To communicate with you. To complete surveys or other statistical gathering operations. To ensure compliance with relevant laws and regulations, including contractual obligations. To perform a service for a customer. To detect security incidents and protect against deceptive, fraudulent, or illegal activity. To debug and repair errors that impair existing functionality of internal resources, networks, and databases. To perform statistical analysis concerning the use of the Website.
Categories of personal information described in California Civil Code § 1798.80(e), including but not limited to your signature, physical characteristics or description such as age and sex, insurance policy number, education background, employment background, employment history, bank account number, credit card number, or other financial information, medical information, or health insurance information.	Individual filling out the Forms, soliciting the Services, or communicating with us. Representatives of individuals, including Producers.	To obtain a quote. To facilitate and/or investigate a claim. To facilitate a request for Services. To address access difficulties with the Websites or Portal. To complete a Producer application or Producer agreement. To communicate with you. To complete surveys or other statistical gathering operations. To ensure compliance with relevant laws and regulations, including contractual obligations. To perform a service for a customer. To detect security incidents and protect against deceptive, fraudulent, or illegal activity. To debug and repair errors that impair existing functionality of internal resources, networks, and databases. For statistical purposes.
Commercial information, such as quote history, claims history, insurance coverage, vehicle information, and other purchasing or consuming histories or tendencies.	Individual filling out the Forms, soliciting the Services, or communicating with us. Representatives of individuals, including Producers.	To obtain a quote. To facilitate and/or investigate a claim. To facilitate a request for Services. To address access difficulties with the Websites or Portal. To complete a Producer application or Producer agreement. To communicate with you. To complete surveys or other statistical gathering operations. To ensure compliance with relevant laws and regulations, including contractual obligations. To perform a service for a customer. To detect security incidents and protect against deceptive, fraudulent, or illegal activity. To debug and repair errors that impair existing functionality of internal resources, networks, and databases. For statistical purposes.
Internet or other electronic network activity information, such as interactivity with an online Form or through e-mail communications.	Individual filling out the Forms, soliciting the Services, or communicating with us. Representatives of individuals, including Producers. Automatically from devices.	To obtain a quote. To facilitate and/or investigate a claim. To facilitate a request for Services. To address access difficulties with the Websites or Portal. To complete a Producer application or Producer agreement. To communicate with you. To complete surveys or other statistical gathering operations. To ensure compliance with relevant laws and regulations, including contractual obligations. To perform a service for a customer. To detect security incidents and protect against deceptive, fraudulent, or illegal activity. To debug and repair errors that impair existing functionality of internal resources, networks, and databases. For statistical purposes.
Professional or employment-related information, such place of employment, previous employment, and other professional and employment information.	Individual filling out the Forms, soliciting the Services, or communicating with us. Representatives of individuals, including Producers. Automatically from devices.	To obtain a quote. To facilitate and/or investigate a claim. To facilitate a request for Services. To address access difficulties with the Websites or Portal. To complete a Producer application or Producer agreement. To communicate with you. To complete surveys or other statistical gathering operations. To ensure compliance with relevant laws and regulations, including contractual obligations. To perform a service for a customer. To detect security incidents and protect against deceptive, fraudulent, or illegal activity. To debug and repair errors that impair existing functionality of internal resources, networks, and databases.
Audio, electronic, visual, or other similar information, such as recordings of telephone calls or recording of e-mail communications.	Individual interacting with us by telephone or e-mail. Representatives of individuals, including Producers.	To obtain a quote. To facilitate and/or investigate a claim. To facilitate a request for Services. To address access difficulties with the Websites or Portal. To complete a Producer application or Producer agreement. To communicate with you. To complete surveys or other statistical gathering operations. To ensure compliance with relevant laws and regulations, including contractual obligations. To perform a service for a customer. To detect security incidents and protect against deceptive, fraudulent, or illegal activity. To debug and repair errors that impair existing functionality of internal resources, networks, and databases.
Some forms of geolocation data, including country, region, city, postal/zip code, and time zone.	Individual interacting with us by telephone or e-mail. Representatives of individuals, including Producers.	To detect security incidents and protect against deceptive, fraudulent, or illegal activity. To debug and repair errors that impair existing functionality of internal resources, networks, and databases. For statistical purposes.

Category of personal information collected

Source of collection

Purpose for collection

Identifiers such as first name, last name, Producer Number, email address, physical address, social security number, driver’s license number, vehicle information, online identifier, and IP address.

Individual filling out the Forms, soliciting the Services, or communicating with us.
Representatives of individuals, including Producers.
Automatically from devices.

To facilitate access and use of the Websites and Portal.
To obtain a quote.
To facilitate and/or investigate a claim.
To facilitate a request for Services.
To complete a Producer application or Producer agreement.
To communicate with you.
To complete surveys or other statistical gathering operations.
To ensure compliance with relevant laws and regulations, including contractual obligations.
To perform a service for a customer.
To detect security incidents and protect against deceptive, fraudulent, or illegal activity.
To debug and repair errors that impair existing functionality of internal resources, networks, and databases.
To perform statistical analysis concerning the use of the Website.

Categories of personal information described in California Civil Code § 1798.80(e), including but not limited to your signature, physical characteristics or description such as age and sex, insurance policy number, education background, employment background, employment history, bank account number, credit card number, or other financial information, medical information, or health insurance information.

Individual filling out the Forms, soliciting the Services, or communicating with us.
Representatives of individuals, including Producers.

To obtain a quote.
To facilitate and/or investigate a claim.
To facilitate a request for Services.
To address access difficulties with the Websites or Portal.
To complete a Producer application or Producer agreement.
To communicate with you.
To complete surveys or other statistical gathering operations.
To ensure compliance with relevant laws and regulations, including contractual obligations.
To perform a service for a customer.
To detect security incidents and protect against deceptive, fraudulent, or illegal activity.
To debug and repair errors that impair existing functionality of internal resources, networks, and databases.
For statistical purposes.

Commercial information, such as quote history, claims history, insurance coverage, vehicle information, and other purchasing or consuming histories or tendencies.

Individual filling out the Forms, soliciting the Services, or communicating with us.
Representatives of individuals, including Producers.

To obtain a quote.
To facilitate and/or investigate a claim.
To facilitate a request for Services.
To address access difficulties with the Websites or Portal.
To complete a Producer application or Producer agreement.
To communicate with you.
To complete surveys or other statistical gathering operations.
To ensure compliance with relevant laws and regulations, including contractual obligations.
To perform a service for a customer.
To detect security incidents and protect against deceptive, fraudulent, or illegal activity.
To debug and repair errors that impair existing functionality of internal resources, networks, and databases.
For statistical purposes.

Internet or other electronic network activity information, such as interactivity with an online Form or through e-mail communications.

Individual filling out the Forms, soliciting the Services, or communicating with us.
Representatives of individuals, including Producers.
Automatically from devices.

To obtain a quote.
To facilitate and/or investigate a claim.
To facilitate a request for Services.
To address access difficulties with the Websites or Portal.
To complete a Producer application or Producer agreement.
To communicate with you.
To complete surveys or other statistical gathering operations.
To ensure compliance with relevant laws and regulations, including contractual obligations.
To perform a service for a customer.
To detect security incidents and protect against deceptive, fraudulent, or illegal activity.
To debug and repair errors that impair existing functionality of internal resources, networks, and databases.
For statistical purposes.

Professional or employment-related information, such place of employment, previous employment, and other professional and employment information.

Individual filling out the Forms, soliciting the Services, or communicating with us.
Representatives of individuals, including Producers.
Automatically from devices.

To obtain a quote.
To facilitate and/or investigate a claim.
To facilitate a request for Services.
To address access difficulties with the Websites or Portal.
To complete a Producer application or Producer agreement.
To communicate with you.
To complete surveys or other statistical gathering operations.
To ensure compliance with relevant laws and regulations, including contractual obligations.
To perform a service for a customer.
To detect security incidents and protect against deceptive, fraudulent, or illegal activity.
To debug and repair errors that impair existing functionality of internal resources, networks, and databases.

Audio, electronic, visual, or other similar information, such as recordings of telephone calls or recording of e-mail communications.

Individual interacting with us by telephone or e-mail.
Representatives of individuals, including Producers.

To obtain a quote.
To facilitate and/or investigate a claim.
To facilitate a request for Services.
To address access difficulties with the Websites or Portal.
To complete a Producer application or Producer agreement.
To communicate with you.
To complete surveys or other statistical gathering operations.
To ensure compliance with relevant laws and regulations, including contractual obligations.
To perform a service for a customer.
To detect security incidents and protect against deceptive, fraudulent, or illegal activity.
To debug and repair errors that impair existing functionality of internal resources, networks, and databases.

Some forms of geolocation data, including country, region, city, postal/zip code, and time zone.

Individual interacting with us by telephone or e-mail.
Representatives of individuals, including Producers.

To detect security incidents and protect against deceptive, fraudulent, or illegal activity.
To debug and repair errors that impair existing functionality of internal resources, networks, and databases.
For statistical purposes.

Category of personal information collected	Source of collection	Purpose for collection
Identifiers such as first name, last name, Producer Number, email address, physical address, social security number, driver’s license number, vehicle information, online identifier, and IP address.	Government entities. Credit reporting agencies. Claims investigators. Claims administrators. Third-party benefits providers. Internet service providers. Vendors and third-party service providers.	To provide Services. To facilitate and/or investigate a claim. To review claims or benefits programs. To address access difficulties with the Websites or Portal. Statistical purposes. To ensure compliance with relevant laws and regulations, including contractual obligations. To perform Services. To detect security incidents and protect against deceptive, fraudulent, or illegal activity. To debug and repair errors that impair existing functionality of internal resources, networks, and databases.
Categories of personal information described in California Civil Code § 1798.80(e), including but not limited to signature, physical characteristics or description, insurance policy number, education background, employment background, employment history, bank account number, credit card number, or other financial information, medical information, or health insurance information.	Government entities. Credit reporting agencies. Claims investigators. Claims administrators. Third-party benefits providers. Internet service providers. Vendors and third-party service providers.	To provide Services. To facilitate and/or investigate a claim. To review claims or benefits programs. To address access difficulties with the Websites or Portal. Statistical purposes. To ensure compliance with relevant laws and regulations, including contractual obligations. To perform Services. To detect security incidents and protect against deceptive, fraudulent, or illegal activity. To debug and repair errors that impair existing functionality of internal resources, networks, and databases.
Characteristics of protected classifications under California and federal law including race, religious creed, color, national origin, ancestry, physical disability, mental disability, medical condition, genetic information, marital status, sex, gender, gender identity, sexual orientation, gender expression, age, or military or veteran status.	Government entities. Credit reporting agencies. Claims investigators. Claims administrators. Third-party benefits providers. Internet service providers. Vendors and third-party service providers.	To provide Services. To facilitate and/or investigate a claim. To review claims or benefits programs. To address access difficulties with the Websites or Portal. Statistical purposes. To ensure compliance with relevant laws and regulations, including contractual obligations. To perform Services. To detect security incidents and protect against deceptive, fraudulent, or illegal activity. To debug and repair errors that impair existing functionality of internal resources, networks, and databases.
Commercial information such as records of personal property, prior claims history, accident history, vehicle history, credit reports and other records of consuming histories or tendencies.	Government entities. Credit reporting agencies. Claims investigators. Claims administrators. Third-party benefits providers. Internet service providers. Vendors and third-party service providers.	To provide Services. To facilitate and/or investigate a claim. To review claims or benefits programs. To address access difficulties with the Websites or Portal. Statistical purposes. To ensure compliance with relevant laws and regulations, including contractual obligations. To perform Services. To detect security incidents and protect against deceptive, fraudulent, or illegal activity. To debug and repair errors that impair existing functionality of internal resources, networks, and databases.
Internet or other electronic network activity information such as information relating to use of the Websites and Portal, interactivity with web-based campaigns, and other information regarding interaction with company networks, devices, and websites.	Government entities. Credit reporting agencies. Claims investigators. Claims administrators. Third-party benefits providers. Internet service providers. Vendors and third-party service providers.	To provide Services. To facilitate and/or investigate a claim. To review claims or benefits programs. To address access difficulties with the Websites or Portal. Statistical purposes. To ensure compliance with relevant laws and regulations, including contractual obligations. To perform Services. To detect security incidents and protect against deceptive, fraudulent, or illegal activity. To debug and repair errors that impair existing functionality of internal resources, networks, and databases.
Audio, electronic, visual, thermal, or similar information, such as surveillance footage, telephone recordings, and similar information.	Government entities. Credit reporting agencies. Claims investigators. Claims administrators. Third-party benefits providers. Internet service providers. Vendors and third-party service providers.	To provide Services. To facilitate and/or investigate a claim. To review claims or benefits programs. To address access difficulties with the Websites or Portal. Statistical purposes. To ensure compliance with relevant laws and regulations, including contractual obligations. To perform Services. To detect security incidents and protect against deceptive, fraudulent, or illegal activity. To debug and repair errors that impair existing functionality of internal resources, networks, and databases.
Professional or employment-related information, employment history, professional history, salary history, education background.	Government entities. Credit reporting agencies. Claims investigators. Claims administrators. Third-party benefits providers. Internet service providers. Vendors and third-party service providers.	To provide Services. To facilitate and/or investigate a claim. To review claims or benefits programs. To address access difficulties with the Websites or Portal. Statistical purposes. To ensure compliance with relevant laws and regulations, including contractual obligations. To perform Services. To detect security incidents and protect against deceptive, fraudulent, or illegal activity. To debug and repair errors that impair existing functionality of internal resources, networks, and databases.

Category of personal information collected

Source of collection

Purpose for collection

Government entities.
Credit reporting agencies.
Claims investigators.
Claims administrators.
Third-party benefits providers.
Internet service providers.
Vendors and third-party service providers.

To provide Services.
To facilitate and/or investigate a claim.
To review claims or benefits programs.
To address access difficulties with the Websites or Portal.
Statistical purposes.
To ensure compliance with relevant laws and regulations, including contractual obligations.
To perform Services.
To detect security incidents and protect against deceptive, fraudulent, or illegal activity.
To debug and repair errors that impair existing functionality of internal resources, networks, and databases.

Categories of personal information described in California Civil Code § 1798.80(e), including but not limited to signature, physical characteristics or description, insurance policy number, education background, employment background, employment history, bank account number, credit card number, or other financial information, medical information, or health insurance information.

Government entities.
Credit reporting agencies.
Claims investigators.
Claims administrators.
Third-party benefits providers.
Internet service providers.
Vendors and third-party service providers.

To provide Services.
To facilitate and/or investigate a claim.
To review claims or benefits programs.
To address access difficulties with the Websites or Portal.
Statistical purposes.
To ensure compliance with relevant laws and regulations, including contractual obligations.
To perform Services.
To detect security incidents and protect against deceptive, fraudulent, or illegal activity.
To debug and repair errors that impair existing functionality of internal resources, networks, and databases.

Characteristics of protected classifications under California and federal law including race, religious creed, color, national origin, ancestry, physical disability, mental disability, medical condition, genetic information, marital status, sex, gender, gender identity, sexual orientation, gender expression, age, or military or veteran status.

Government entities.
Credit reporting agencies.
Claims investigators.
Claims administrators.
Third-party benefits providers.
Internet service providers.
Vendors and third-party service providers.

To provide Services.
To facilitate and/or investigate a claim.
To review claims or benefits programs.
To address access difficulties with the Websites or Portal.
Statistical purposes.
To ensure compliance with relevant laws and regulations, including contractual obligations.
To perform Services.
To detect security incidents and protect against deceptive, fraudulent, or illegal activity.
To debug and repair errors that impair existing functionality of internal resources, networks, and databases.

Commercial information such as records of personal property, prior claims history, accident history, vehicle history, credit reports and other records of consuming histories or tendencies.

Government entities.
Credit reporting agencies.
Claims investigators.
Claims administrators.
Third-party benefits providers.
Internet service providers.
Vendors and third-party service providers.

To provide Services.
To facilitate and/or investigate a claim.
To review claims or benefits programs.
To address access difficulties with the Websites or Portal.
Statistical purposes.
To ensure compliance with relevant laws and regulations, including contractual obligations.
To perform Services.
To detect security incidents and protect against deceptive, fraudulent, or illegal activity.
To debug and repair errors that impair existing functionality of internal resources, networks, and databases.

Internet or other electronic network activity
information such as information relating to use of the Websites and
Portal, interactivity with web-based campaigns, and other information
regarding interaction with company networks, devices, and websites.

Government entities.
Credit reporting agencies.
Claims investigators.
Claims administrators.
Third-party benefits providers.
Internet service providers.
Vendors and third-party service providers.

To provide Services.
To facilitate and/or investigate a claim.
To review claims or benefits programs.
To address access difficulties with the Websites or Portal.
Statistical purposes.
To ensure compliance with relevant laws and regulations, including contractual obligations.
To perform Services.
To detect security incidents and protect against deceptive, fraudulent, or illegal activity.
To debug and repair errors that impair existing functionality of internal resources, networks, and databases.

Audio, electronic, visual, thermal, or similar
information, such as surveillance footage, telephone recordings, and
similar information.

Government entities.
Credit reporting agencies.
Claims investigators.
Claims administrators.
Third-party benefits providers.
Internet service providers.
Vendors and third-party service providers.

To provide Services.
To facilitate and/or investigate a claim.
To review claims or benefits programs.
To address access difficulties with the Websites or Portal.
Statistical purposes.
To ensure compliance with relevant laws and regulations, including contractual obligations.
To perform Services.
To detect security incidents and protect against deceptive, fraudulent, or illegal activity.
To debug and repair errors that impair existing functionality of internal resources, networks, and databases.

Professional or employment-related information,
employment history, professional history, salary history, education
background.

Government entities.
Credit reporting agencies.
Claims investigators.
Claims administrators.
Third-party benefits providers.
Internet service providers.
Vendors and third-party service providers.

To provide Services.
To facilitate and/or investigate a claim.
To review claims or benefits programs.
To address access difficulties with the Websites or Portal.
Statistical purposes.
To ensure compliance with relevant laws and regulations, including contractual obligations.
To perform Services.
To detect security incidents and protect against deceptive, fraudulent, or illegal activity.
To debug and repair errors that impair existing functionality of internal resources, networks, and databases.

We do not sell your personal information. We also have no actual knowledge of selling the personal information of minors under the age of 16.

We do, however, disclose personal information for business purposes. For example, we share your information in the following ways:

With your consent. We may disclose your personal information with your consent in writing; online, through “click-through” agreements; when you accept the terms of use on our Websites, where applicable; orally, either in person or on the phone; or by other means.
In a business transfer. We may disclose your personal information as part of a corporate business transaction, such as a merger or acquisition, joint venture, corporate reorganization, financing, or sale of company assets, or in the unlikely event of insolvency, bankruptcy, or receivership, in which such information could be transferred to third parties as a business asset in the transaction.
To service providers. We may disclose your personal information to third party vendors and partners who complete transactions or perform services on our behalf (e.g., process an application, service a policy, inspect insured locations, complete a claim, investigate a claim, obtain financing, audit, market, etc.) For example, if you put in a claim, your information may be shared with adjusters and other companies to facilitate your claim.
To subsidiaries and affiliates. We may disclose your personal information to subsidiaries and affiliates to further facilitate your use of our Websites and to ensure the smooth and consistent operations.
For legal process and protection. We may disclose your personal information to satisfy any law, regulation, legal process, governmental request, or where we have a good faith belief that access, use, preservation or disclosure of such information is reasonably necessary to:
- Enforce or apply agreements, or initiate, render, bill, and collect for Services;
- Protect our rights or interests, property or safety or that of others;
- In connection with claims, disputes, or litigation – in court or elsewhere;
- Protect users of our Websites, Portal and/or Services and other carriers or providers from fraudulent, abusive, or unlawful use of, or subscription to, such services;
- Facilitate or verify the appropriate calculation of taxes, fees, or other obligations due to a local, state, or federal government; or
- In case of an emergency.

If you are a California resident, below is a list of the categories of personal information we have shared for a business purpose in the twelve (12) months preceding the date this Privacy Policy was last updated, including a list of the categories of third parties who received that information.

Categories of personal information disclosed	Categories of third parties that received the information
Identifiers such as first name, last name, Producer Number, Producer ID, email address, physical address, social security number, driver’s license number, vehicle information, online identifier, and IP address.	Government entities. Credit reporting agencies. Claims investigators. Claims administrators. Third-party benefits providers. Internet service providers. Vendors and third-party service providers.
Categories of personal information described in California Civil Code § 1798.80(e), including but not limited to signature, physical characteristics or description, insurance policy number, education background, employment background, employment history, bank account number, credit card number, or other financial information, medical information, or health insurance information.	Government entities. Credit reporting agencies. Claims investigators. Claims administrators. Third-party benefits providers. Internet service providers. Vendors and third-party service providers.
Characteristics of protected classifications under California and federal law including race, religious creed, color, national origin, ancestry, physical disability, mental disability, medical condition, genetic information, marital status, sex, gender, gender identity, sexual orientation, gender expression, age, or military or veteran status.	Government entities. Credit reporting agencies. Claims investigators. Claims administrators. Third-party benefits providers. Internet service providers. Vendors and third-party service providers.
Commercial information such as records of personal property, prior claims history, accident history, vehicle history, credit reports and other records of consuming histories or tendencies.	Government entities. Credit reporting agencies. Claims investigators. Claims administrators. Third-party benefits providers. Internet service providers. Vendors and third-party service providers.
Internet or other electronic network activity information such as information relating to use of the Websites and Portal, interactivity with web-based campaigns, and other information regarding interaction with company networks, devices, and websites.	Government entities. Credit reporting agencies. Claims investigators. Claims administrators. Third-party benefits providers. Internet service providers. Vendors and third-party service providers.
Audio, electronic, visual, thermal, or similar information, such as surveillance footage, telephone recordings, and similar information.	Government entities. Credit reporting agencies. Claims investigators. Claims administrators. Third-party benefits providers. Internet service providers. Vendors and third-party service providers.
Professional or employment-related information, employment history, professional history, salary history, education background.	Government entities. Credit reporting agencies. Claims investigators. Claims administrators. Third-party benefits providers. Internet service providers. Vendors and third-party service providers.

Categories of personal information disclosed

Categories of third parties that received the
information

Identifiers such as first name, last name, Producer Number, Producer ID, email address, physical address, social security number, driver’s license number, vehicle information, online identifier, and IP address.

Government entities.
Credit reporting agencies.
Claims investigators.
Claims administrators.
Third-party benefits providers.
Internet service providers.
Vendors and third-party service providers.

Government entities.
Credit reporting agencies.
Claims investigators.
Claims administrators.
Third-party benefits providers.
Internet service providers.
Vendors and third-party service providers.

Government entities.
Credit reporting agencies.
Claims investigators.
Claims administrators.
Third-party benefits providers.
Internet service providers.
Vendors and third-party service providers.

Commercial information such as records of personal property, prior claims history, accident history, vehicle history, credit reports and other records of consuming histories or tendencies.

Government entities.
Credit reporting agencies.
Claims investigators.
Claims administrators.
Third-party benefits providers.
Internet service providers.
Vendors and third-party service providers.

Internet or other electronic network activity information such as information relating to use of the Websites and Portal, interactivity with web-based campaigns, and other information regarding interaction with company networks, devices, and websites.

Government entities.
Credit reporting agencies.
Claims investigators.
Claims administrators.
Third-party benefits providers.
Internet service providers.
Vendors and third-party service providers.

Audio, electronic, visual, thermal, or similar information, such as surveillance footage, telephone recordings, and similar information.

Government entities.
Credit reporting agencies.
Claims investigators.
Claims administrators.
Third-party benefits providers.
Internet service providers.
Vendors and third-party service providers.

Professional or employment-related information, employment history, professional history, salary history, education background.

Government entities.
Credit reporting agencies.
Claims investigators.
Claims administrators.
Third-party benefits providers.
Internet service providers.
Vendors and third-party service providers.

Our Websites may contain links to third party websites and services. Please note that these links are provided for your convenience and information, and the websites and services may operate independently from us and have their own privacy policies or notices, which we strongly suggest you review. This Privacy Policy applies to our Websites only, and we do not accept any responsibility or liability for the policies or practices of any third parties. For more information about the third party websites and services we link to through our Websites please contact us at privacy@unicoamerican.com.

Our Websites may, from time to time, collect information about your online activities, over time and across our different Websites. When you use our Websites, third parties may also collect information about your online activities, over time and across different internet websites, online or cloud computing services, online applications, or mobile applications. Some browsers support a “Do Not Track” feature, which is intended to be a signal to websites that you do not wish to be tracked across different websites you visit. Our Websites do not currently change the way they operate based upon detection of a “Do Not Track” or similar signal.

Our Websites may, from time to time, contain links to and from social media platforms. When you use those links, we may collect additional information from or about you, such as your screen names, profile picture, contact information, contact list, and the profile pictures of your contacts, through the social media platform. Please be advised that social media platforms may also collect information from you. We do not have control over the collection, use and sharing practices of social media platforms. We therefore encourage you to review their usage and disclosure policies and practices, including their data security practices, before using the social media platforms.

The security of your personal information is important to us. That is why we take commercially reasonable steps to make sure your personal information is protected. Although no system can guarantee the complete security of your personal information, we will use our best efforts to maintain commercially reasonable technical, organizational, and physical safeguards, consistent with applicable law, to protect your personal information.

We keep your personal information for as long as necessary in accordance with the purpose for which it was collected, our business needs, and our legal and regulatory obligations. If we dispose of your personal information, we will do so in a way that is secure and appropriate to nature of the information subject to disposal.

We may use cookies (browser and flash), beacons, pixel tags, scripts, and other similar technologies from time to time to support the functionality of our Websites. This technology provides a better experience when you use our Websites, and allows us to improve our services. We also use analytic software such as Google Analytics to help better understand how our Websites function on your device(s) and for analytical purposes. You can opt-out of Google Analytics by installing Google’s opt-out browser add-on here https://tools.google.com/dlpage/gaoptout. Please be aware that if you opt-out, this may cause some of our Websites to not function correctly or at all.

Browser Cookies. Certain features of our Websites may use browser cookies. A browser cookie is a small piece of information stored by your web browser. That cookie then communicates with servers, ours or those of other companies that we authorize to collect data for us and allows recognition of your personal computer.
Flash Cookies. Certain features of our Websites may use locally stored objects called flash cookies to collect and store information about your preferences and navigation to, from and on our Websites. We also may include cookies to provide aggregate reporting. Our Websites may also allow Adobe to set and enable special cookies that are necessary to deliver video content for Adobe Flash Player. Please note, you cannot remove flash cookies simply by changing your browser settings. If you would like to limit the websites that can store information in flash cookies on your device, you must visit the Adobe website:
http://www.macromedia.com/support/documentation/en/flashplayer/help/settings_manager07.html.
Beacons. Our Websites and e-mails may contain small electronic files known as beacons (also referred to as web beacons, clear GIFs, pixel tags and single-pixel GIFs) that permit us to, for example, to count users who have visited those pages or opened an e-mail and for other website-related statistics. Beacons in e-mail marketing campaigns allow us to track your responses and your interests in our content, offerings and web pages. You may use the tools in your device to disable these technologies as well.
Third-party cookies. Our service providers, advertising partners, and ad networks may also use cookies and beacons to collect and share information about your activities on our Websites and on other websites and applications. In addition, third parties that are unaffiliated with us may also collect information about you, including tracking your browsing history, when you use our Websites. We do not have control over these third party collection practices.

You may wish to restrict the use of cookies or completely prevent them from being set. Most browsers provide for ways to control cookie behavior, such as the length of time they are stored. If you disable cookies, please be aware that some of the features of our Websites may not function correctly. To find out more on how to manage and delete cookies, visit www.aboutcookies.org. For more details on your choices regarding use of your web browsing activity for interest-based advertising, you may visit the following sites:

We provide you the ability to exercise certain controls and choices regarding our collection, use, storage, and sharing of your personal information. In accordance with applicable law, your controls and choices include:

Right to Know. If you are a California resident, you have the right to request the following information from us: (1) the categories of personal information we have collected about and from you in the 12 months prior to the date of your request; (2) the categories of sources from which we have collected that personal information; (3) the business or commercial purpose for collecting or sharing that personal information; (4) the categories of third parties with whom we have shared that personal information; and (5) the specific pieces of personal information collected during that timeframe.
Right to Delete. If you are a California resident, you have a right to request that we delete your personal information, subject to certain exceptions such as to complete the transaction for which the information was collected, detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, identify and repair errors, to comply with a legal obligation, and for other recognized legal reasons.
Right to Correct. Regardless of where you live, you may request that we correct certain personal information you have provided to us (i.e., new address, different name, etc.).
Process To Submit A Request. To submit a request to know, delete, or correct, you may e-mail us at privacy@unicoamerican.com with the subject line “PRIVACY REQUEST” or call toll-free at 1-833-953-2173. You may also designate an authorized agent to submit a request on your behalf by submitting the following form via e-mail to privacy@unicoamerican.com. We will confirm receipt of, and respond to your requests as soon as possible, and in conformance with all applicable law.
Verification Method. In order to ensure that changes are not made to your personal information without your authorization, and to protect against your personal information being disclosed to unauthorized parties, we will seek to verify your identity before responding to your request by using a reasonable method based on the type, sensitivity, and value of the personal information requested, including but not limited to matching the identifying information provided in your request with the information we have on file about you. Depending on the sensitivity of the personal information requested, we may also utilize more stringent verification methods to verify your identity, including but not limited to requesting additional information from you and/or requiring you to sign a declaration under penalty of perjury.
Right to Anti-Discrimination We will not discriminate against you for exercising your rights set forth under this section.

You can learn more about your choices, and exercise these controls and choices, by contacting us at privacy@unicoamerican.com.

Our Websites are not intended for children under the age of 18. This includes any links to other websites that we provide for our convenience. We don’t knowingly collect personal information from children for any reason.

If you are a California resident, you may request information regarding the disclosure of your information by us to third parties for their direct marketing purposes. Please note that our response to these requests will be duplicative of and more limited than our response to Right to Know requests (described above). To make such a request, please send an email to privacy@unicoamerican.com with the subject line, “CALIFORNIA SHINE THE LIGHT REQUEST,” or write us at:

CALIFORNIA SHINE THE LIGHT REQUEST

Attn: Privacy
Unico American Corporation
26050 Mureau Road
Calabasas, CA 91302

Our Websites are hosted and offered in the United States of America (US), and are subject to applicable US federal, state, and local law. If you are accessing and/or using the Websites from another country, please be advised that you may be transferring your personal information to us in the US, and you consent to that transfer and use of your personal information in accordance with this Privacy Policy.

You also agree to abide by the applicable laws of applicable US federal, state, and local laws concerning your access and/or use of the Websites, and any additional agreements with us. If your access and/or use of our Websites is subject to the laws or regulations of any other jurisdiction regarding the use of the Internet, including the collection, use, or disclosure of personal information, and any such use and/or access would be unlawful in said jurisdiction, you may not access and/or use the Websites.

We may change this Privacy Policy from time to time. Any and all changes to this Privacy Policy will be reflected on this page, and where appropriate provided in person or by another electronic method. Material changes to this Privacy Policy will be posted here, and may be provided via e-mail or another method, as appropriate under applicable law. The last updated date will be stated at the top of this Privacy Policy. Unless stated otherwise, our current Privacy Policy applies to all information that we have about you. You should regularly check this page for any changes to this Privacy Policy.

privacy@unicoamerican.com

Privacy Policy

Introduction

Acknowledgment

What Types Of Personal Information Do We Collect From You, How Is It Collected, And How Is It Used?

Personal Information Collected From The Websites

Personal Information Collected From The Portal

Personal Information Collected From Forms, Services & Communications

Personal Information Collected From Third Parties

Do We Sell Or Share Your Personal Information?

Links To Third Party Sites

Third Party Tracking / Do Not Track

Social Media Integration

How Do We Store And Protect Your Personal Information?

How Long Do We Keep Your Personal Information?

Cookie Statement

Your Choices

Children

California Direct Marketing (Shine The Light)

International Jurisdictions

Changes To Our Privacy Policy

Contact Us