Online Privacy Policy

Revised:  March 20, 2021 

 

Protecting your privacy is our priority.

 

The family of companies doing business as Indiana Farm Bureau Insurance (“we,” “us, or “our”) is committed to protecting the information collected about our policyholders, insureds, applicants, claimants and other natural persons (“you” or “your”) who visit our website, related social networking sites or pages, associated telematics mobile applications or otherwise interact with us online (collectively, our “Site”). This privacy policy explains how we may collect, use, disclose, and safeguard information about you when you use our Site and with respect to various content, features, materials, applications, insurance products and associated services available to you in connection with our Site (“Insurance Services”). From time to time, we may update this privacy policy, at our sole discretion. We encourage you to frequently review this policy to help ensure you are aware of our current privacy practices. PLEASE READ THIS PRIVACY POLICY CAREFULLY.  

 

 

Collecting your personal information

 

There are a variety of sources we use to collect information that identifies, relates to, describes or could reasonably be linked to or associated with you or your household (collectively, “your personal information”). This privacy policy does not apply to the third-party payment processors or money transfer agents used to make payments for Insurance Services. In addition, this policy does not apply to third party mobile application online stores, which may also collect and use information about you.  We are not responsible for the data collected by such third parties. The categories and sources of your personal information we may collect depend on your use of our Site and Insurance Services and includes, but is not limited to: 

  • Personal, Business, and Demographic Information. We may collect contact details, demographic data and other personally identifiable information (such as name, phone number, email address, Social Security number, driver’s license number, gender, marital status and birthdate) that you voluntarily provide to us as part of the insurance application process, the registration process for access to your online accounts, when you complete an online form, when you contact us by email, or as otherwise allowed in connection with Insurance Services.  
  • Payment Details. In connection with the payment of premiums or payment of billing statements, we may collect data related to your payment method (e.g. card brand, expiration date, bank routing number). 
  • Credit History. From consumer-reporting agencies, third party services providers and public records, we may collect information about your credit history and credit worthiness. 
  • Health and Medical Records. As part of our life insurance underwriting process, we may obtain information about your health history, medical records and prescription history from you, your health care providers, pharmacies and insurance support organizations, such as information about your current medical impairments and insurability, historical medical or prescription information and biometric information.  
  • Prior Transactions. We may collect information from you, consumer credit reporting agencies and insurance support organizations about your prior insurance transactions, claims, payment history and other purchasing experiences. 
  • Derived Information. We collect data our servers automatically recognize when you access our Site or Insurance Services, such as your IP address, operating system, browser version and the pages you visit on our Site. Such information is not personally identifiable, but it still may be possible to determine from an IP address your internet service provider and the geographic location of your point of connectivity as well as other statistical usage data.    
  • Mobile Device Information. When you access our Site from a mobile device, our servers may automatically record data that your mobile device transmits, including your device name and type, your device ID number, version of your operating system, access times, browser information, user settings, your geographic location and information about your use of Insurance Services. Your personal information may also be collected via mobile device IDs or other similar tracking technologies to recognize you. 
  • Location Information. When you access our Site, we may collect your generic location data, such as city, latitude, longitude and compass-related data. Various technologies are used to determine location, including IP address, GPS, Wifi access points, and cell towers. 

 

Using your personal information

 

Having accurate information about you permits us to provide you with a smooth, efficient and customized experience. Specifically, we may use your personal information in connection with our Site or Insurance Services for one or more of the following purposes: 

  • Underwriting and Claims Activities. Your personal information is used to underwrite your insurance application and make eligibility, risk, rating and policy issuance decisions. In the event of a claim, we use your personal information to administer the claim. 
  • Customer Service. Your personal information is used to verify your identity before responding to inquiries for policyholder information and to help ensure that you are provided with Insurance Services in a timely manner. 
  • Fraud Detection. In the event of suspicious activity associated with you, your insurance policy or your online account, we may use your personal information in our investigation to help detect and prevent insurance fraud, a cybersecurity event, an illegal act or other unauthorized activity.  
  • Data Analysis and De-Identification. Except as otherwise prohibited by law, we may use your personal information to compile anonymous statistical data for use internally or with third parties and to create data not linked or reasonably linkable to you or your household. 
  • Improved Customer Experience. We may use your personal information to help increase the efficiency and operation of our Site and Insurance Services in order to improve your experience.  Your personal information may be used to monitor, analyze, and compute usage and trends on our Site, request feedback or conduct customer surveys.  
  • Marketing. Your personal information is used to notify you of any news or developments regarding Insurance Services, deliver targeted advertising to you, or deliver information we think may be of interest to you, such as information about insurance products. 
  • Other Permitted Activities. We may use your personal information to conduct other legally permitted activities in connection with any insurance coverage you have or have applied for with us. 

 

Sharing your personal information

 

WE WILL NOT SELL YOUR PERSONAL INFORMATION. We may share your personal information as follows:  

  • With Third-Party Services Providers. We may share your personal information with third parties that perform services for us or on our behalf in order to help us underwrite insurance, process transactions, administer claims, and run our operations. The third parties include, without limitation, independent insurance producers, consumer reporting agencies, insurance support organizations, payment processors, data analytics services, email delivery vendors, web hosting services, geolocation application programming interface services (e.g. Google Maps), telecommunication companies and wireless service providers. 
  • With Affiliates and Subsidiaries. We may share information we have about you with our affiliates, our subsidiaries and our parent organization. The purpose of sharing information about you within our family of companies is to enable them to provide customer service, account maintenance or to tell you about other products or services that may be useful or beneficial to you. 
  • With Financial Services Providers. We may share information we have about you with other financial services organizations, such as banks, insurance companies and insurance agencies or brokers with which we have joint marketing agreements for purpose of offering products or services that may be of interest to you. 
  • With Health Care Providers. Your personal information may be provided to health care providers to verify insurance coverage or verify medical treatment or services.      
  • With Marketing Services Providers. We may share contact and demographic information, such as age and gender, with third parties that perform marketing services for or on our behalf.  
  • To Transfer Risk. As a risk management tool, we may transfer some of our insurance risk to reinsurers that may request information about our insureds in order to evaluate, allocate, or assume the risk.  
  • With Governmental Authorities. We will disclose your personal information to an insurance regulatory authority and any other governmental agency with jurisdiction over us to respond to consumer complaints and comply with audits, examinations, data calls or any other lawful purpose as permitted or required by any applicable law, rule or regulation. 
  • To Respond to Legal Actions. If we believe the release of information about you is necessary to respond to a subpoena, other legal process or a request for information, we may share your personal information as permitted or required by any applicable law, rule or regulation. 
  • To Protect Lawful Interests. We will share your personal information or exchange information with consumer reporting agencies, insurance support organizations, insurance regulatory authorities, law enforcement and other governmental agencies as necessary to investigate or remedy potential violations of our policies, to prevent insurance fraud, to reduce credit risk or to otherwise protect the rights, property and safety of others.  
  • For Statistical or Research Purposes. We may share some of your personal information with organizations that conduct actuarial or research studies. For example, we may share data about your use of our Site or Insurance Services in a way that does not identify you or may combine data about the nature or frequency of your transactions with similar information about others and share the aggregated information for statistical analysis and other business purposes. 
  • For Business Transactions. If we reorganize or sell all or a portion of our assets, undergo a merger, or are acquired by another entity, we may transfer your personal information to the successor entity. If we go enter bankruptcy or go into receivership, your personal information would be an asset transferred or acquired by a third party. 


 

Marketing preferences 

 

We give you choices about our use and disclosure of your personal information for marketing purposes. You may restrict our use of your personal information in the following ways:  

  • Email Marketing. We may contact you via email or social media messages to provide you with information about Insurance Services. To stop receiving promotional emails, follow the unsubscribe instructions in our email and/or social media message. We will process your request as soon as it is reasonably practical. Please note that if you are our customer, we may still send you administrative and transactional messages about Insurance Services. 
  • Tele-Marketing. We may contact you via your phone by call, voicemail, SMS and/or text to provide you with information about Insurance Services. However, if your number is registered on the “Do Not Call List,” we will use reasonable efforts not to make any promotional calls or texts to you without your permission. 
  • Unsubscribe. If you no longer want to be contacted by us for promotional purposes, you may request that we update your marketing preferences by contacting us at [marketing.campaigns@infarmbureau.com]. 


Children’s information privacy 

 

In connection with our Site and Insurance Services, we do not knowingly collect personally identifiable information from children under the age of 16. If you are at least 13 years old but not yet 18 years of age, do not access or use our Site or Insurance Services unless you have received permission from your parent or guardian. If you are under the age of 13, do not submit your personal information through our Site. We encourage parents and legal guardians to monitor their children’s online activity and to help enforce our privacy practices. If you become aware that personally identifiable information from a child under age 13 has been collected in connection with our Site, please contact us at [marketing.campaigns@infarmbureau.com]. 

 

 

Cookies and tracking technologies

 

Our Site may use flash cookies, persistent cookies, session ID cookies, web beacons, pixels tags and other tracking technologies depending on the features offered. Log files, tags and tracking technology are useful for gathering information such as browser type and operating system, tracking the number of visitors to our Site and understanding how you use our Site and Insurance Services. Cookies can also help us customize our Site and improve your experience. When you use our Site, your personal information is not collected through the use of tracking technology. However, if you previously provided your personal information, cookies or tags may be tied to such information. Aggregate cookie and tracking information may be shared with third parties.  Also, some content on our Site may be provided by third parties that may uses cookies in conjunction with other tracking technologies to collect information about you when you use our Site, which enables them to provide targeted advertising to you.  We do not control these third parties’ tracking technologies or how they may be used.  We may display certain adverting offers on our Site or allow third party services, advertisers, advertising networks or other third parties to advertise on our Site.  Additionally, we may use third party software to serve ads on our Site, implement email marketing campaigns and manage other interactive marketing initiatives that may be used in connection with our Site. Most browsers are set to accept cookies by default. You can remove or reject cookies; however, please be aware that such action could affect the availability and functionality of our Site. 

 

 

Controls for Do-Not-Track features

 

Most web browsers and some mobile operating systems include a Do-Not-Track (“DNT”) feature or setting you can activate to signal your privacy preference not to have information about your online browsing activities monitored and collected. The Site does not track your browsing activities across third party websites and we do not currently respond to DNT browser signals or any other mechanism that automatically communicates your preference not to be tracked online. No uniform technology standard for recognizing and implementing DNT signals has been finalized. Because there is not yet a common understanding of how to interpret the DNT signal, we do not currently respond to DNT signals which may be sent from your computer or mobile device or any other mechanism that automatically communicates your choice not to be tracked online. If a standard for online tracking is adopted that we must follow in the future, we will provide information about that practice in a revised version of this privacy policy.

 


Links to other websites 


Our Site may contain links (e.g. data or content exchange interfaces) to external services or websites of our partners or advertisers for purposes of information or functionality of Insurance Services. If you choose to visit an external service or website from our Site by clicking on or selecting a button, service, banner ad, or other type of advertisement or clicking on another third-party link, you will be directed to that third-party’s website. The fact that we may link to or incorporate a third-party’s services, functionality, or website or present a banner ad or other type of advertisement, is not an endorsement, authorization or representation of our affiliation with that third-party, nor is it an endorsement of the privacy or information security practices or policies of such third-party. We do not exercise control over third-party services, functionality, websites or other resources, including their use of your personal information. These other parties may place their own cookies or other files on your computer or mobile device, collect data or solicit your personal information. Other services follow different rules regarding the use or disclosure of your personal information. This privacy policy applies only to our Site and Insurance Services and we are not responsible for the privacy practices or the content of other websites.  

 


Information Security


We use a variety of administrative, technical and physical security measures to help protect your personal information. While we have taken reasonable steps to safeguard your personal information against unauthorized access, please be aware that despite our efforts, no security measures are perfect or impenetrable and no method of data transmission can be guaranteed against any interception or other type of misuse. Any information disclosed online can potentially be intercepted and used by unauthorized parties.   

 


Questions and Comments  


If you have questions or comments about this privacy policy, please send us an email at [marketing.campaigns@infarmbureau.com]. 


 

We reserve the right to update this privacy policy at our discretion and at any time or for any reason. Any changes we make to this privacy policy will apply to all of your personal information.  When we make changes, we will post the revised privacy policy on our website at www.infarmbureau.com.  This privacy policy supplements our Privacy Notice.   

 

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