Universal Fire & Casualty Insurance Company (“UFCIC”, “we”, “us” or “our”) is committed to safeguarding your privacy. This Privacy Policy sets out UFCIC’s personal information collection and sharing practices in relation to the personal information that we collect and use for the administration of insurance policies, reinsurance contracts and the provision of services.
This Privacy Policy describes how we handle personal information that we collect from various sources, including:
- information we receive from you on applications, customer feedback and survey responses, or other forms, telephone recordings with our representatives, and call centers
- information about your transactions with us, our affiliates, or others
- information we receive from you when you use our website, social media pages, or apps
- information we receive from other third parties, such as agents, producers, consumer reporting agencies, service providers, inspection agencies, or publicly
- available information from social media services, or governmental agencies
- information we receive for recruitment purposes, this includes information that you or your recruitment agency supply in relation to your candidacy (e.g. your CV, application form) pre-offer, and background checks (administered by a third party) post-offer
Depending on your relationship with us, you may receive other privacy notices from us providing additional detail about our privacy practices.
INFORMATION WE MAY COLLECT ABOUT YOU
The types of personal information we collect and share depends on the product or service you have with us. This information can include the following:
- your name, mailing and email address(es), telephone number, date of birth, gender, marital or family status, identification numbers issued by government bodies or agencies (i.e., Social Security or FEIN, driver’s license or other license number) employment, education, occupation
- your policy coverage, claims, premiums and payment history from your dealings with us, our affiliates, or others
- your financial history from other insurance companies, financial organizations or consumer reporting agencies, including but not limited to payment card numbers, bank account or other financial account number and account details, credit history and credit scores, assets and income and other financial information
- your medical history and records
- your browsing history, search history, information on your interaction with our website, your application, or advertisement
- other personal information required in order for us to provide products and services that you have requested
Personal information does not include:
- publicly-available information from government records
- de-identified or aggregated consumer information
WHY WE COLLECT INFORMATION ABOUT YOU
We may process personal information for certain legitimate or lawful purposes in some or all of the following ways:
- to correspond with clients, beneficiaries and claimants in order to facilitate the insurance policies or services
- to maintain our accounts and records
- to defend or make claims
- for recruitment purposes
- for the performance of a contract with you or to take steps to enter into a contract
- to comply with a legal obligation
- to comply with law enforcement, court and regulatory bodies’ requirement
- to identify and prevent fraud
- to modify, personalize or otherwise improve our services or communications
- to gather market intelligence, communicate with and tailor offers to individuals
- for training and quality purposes
- to enhance the security of our network and information systems
- for the performance of a task carried out in the public interest or in the exercise of an official authority
HOW WE MAY USE YOUR PERSONAL INFORMATION
We may use your personal information in the following ways:
- to process your transaction with us, for instance, to determine eligibility for coverage, to process claims or to prevent fraud
- to identify you and to carry out any identity checks as may be required by applicable law and best practice at any given time
- to recover any payments due to us and where necessary to enforce such recovery through the engagement of debt collection agencies or taking other legal action
- to analyze it in order to understand the service we provide and in order to improve our business
- to manage our infrastructure, business operations and comply with internal policies and procedures
- to notify you about changes to our products or services
- to comply with applicable laws and regulatory obligations
- to monitor calls and transactions to ensure service quality, compliance with procedures
- to carry out background and reference checks, in relation to recruitment specifically
- to provide you with information about the online services or required notices
SHARING YOUR PERSONAL INFORMATION
We use and share your personal information with affiliated and non-affiliated third parties for the purposes of underwriting insurance, administering your policy or claim and other purposes as permitted by law.
We may disclose personal information about you to the following types of third parties:
- service providers, such as insurance agents and/ or brokers, claims adjusters, or reinsurers
- governmental authorities and non-affiliated third parties as permitted by law
We restrict access to personal information about our customers/claimants to those individuals who need to know that information to provide products and services to our customers/claimants or as permitted by law. We train our employees to safeguard personal information. We maintain reasonable physical, electronic, and procedural safeguards to guard your personal information in accordance with applicable data protection laws.
Do Not Track signals: We do not support this at this time. This practice may be revised in the future.
SOCIAL SECURITY NUMBERS
We protect the confidentiality of your Social Security number by reasonable physical, electronic and procedural safeguards as required by law.
CHILDREN’S PRIVACY
We do not knowingly collect personal information from minors, including children under the age of 13. Our products, services, and website are not intended for use by minors.
LINKS TO OTHER WEBSITES
This website may contain links to other third-party websites. If you follow a link to any of those third-party websites, please note that they have their own privacy policies and that we do not accept any responsibility or liability for their policies or processing of your personal information.
FOR RESIDENTS OF AZ, CT, GA, IL, ME, MA, MN, MT, NV, NJ, NC, OH, OR, AND VA
Under state law, under certain circumstances, you have the right to access and request correction, amendment or deletion of your personal information that we have collected from or about you. To do so, contact your agent, or contact us at info@ufcic.com, or call (800) 874-8742, or write to Universal Fire & Casualty Insurance Company, 2850 Dixie Hwy, Suite 100 Waterford, MI 48328
CHANGES TO OUR PRIVACY POLICY
We reserve the right to amend this Privacy Policy at our discretion and at any time. When we make changes to this Privacy Policy, we will post the updated policy on our website(s) and update the policy effective date. Your continued use of our website(s) following the posting of changes constitutes your acceptance of such changes.
For further information, please contact us at info@ufcic.com, or call (800) 874-8742, or write to Universal Fire & Casualty Insurance Company, 2850 Dixie Hwy. Suite 100 Waterford, MI 48328
FOR RESIDENTS OF CALIFORNIA
This Privacy Policy for California Residents supplements the information contained above and applies solely to all visitors, users, and others who reside in the State of California (”consumers” or “you”). We adopt this notice to comply with the California Consumer Privacy Act of 2018 (“CCPA”), in addition to any affiliated CCPA regulations issued by the California Attorney General, and any terms defined in the CCPA have the same meaning when used in this notice.
The categories of personal information we have collected from consumers within the last twelve (12) months includes the following: