This privacy policy (“Privacy Policy”) describes how Ohio Mutual Insurance Company and its affiliates (“we,” “us,” and “our”) collect, store, share, and secure your information on our websites or mobile applications. It also describes the choices available to you, such as opting out of online interest-based advertising.

This Privacy Policy applies to websites and mobile applications where we publish it. We may provide you with additional privacy notices relating to the collection or use of your Personal Information (as defined herein) when we collect additional information from you.

You may print or download a pdf version of this Privacy Policy.

1. We collect information through our websites and mobile applications.

We collect the information you provide to us when you use our websites or mobile applications, such as when you:

• ask a question,
• apply for products or services,
• complete a form,
• conduct transactions,
• apply for a job,
• email us,
• subscribe to receive emails from us, and
• complete surveys or provide feedback.

2. We collect information when you apply for our products or services.

We collect information about you when you apply for our products or services. Some examples include:

• name, address, date of birth, and Social Security number;
• telephone number;
• assets, income, and occupation;
• property address and value;
• account and policy information;
• account login credentials;
• driver’s license number;
• financial information;
• credit reports and other consumer report information;
• information from applications and transactions;
• any other information you provide us; and
• public information.

We may collect Personal Information about you, another insured party on your insurance policy, or a beneficiary when you or they apply for an insurance policy or other service.

If you apply for a product or service, we may collect information from your consumer reports, such as your credit report or motor vehicle report. You may have a right to request the source of the credit report. We may also need to collect your medical information from a medical provider, such as for claims, life insurance underwriting, or as otherwise required.

3. We collect information from third parties.

We may collect information about you from third parties. For example, we may:

• collect change of address information from third parties to correct your information in our records;
• collect your social media user name, messages, or related information from a social media network when you interact with us using those networks;
• collect credit reports from credit reporting agencies when you apply for an insurance or financial product or service;
• collect telematics information from your car manufacturer, mobile applications, telematics device, telematics data aggregator, or smart home device, sensor, or alarm when you sign up for a usage-based insurance product or service from us that relies on such telematics information;
• collect device information from your smart home device manufacturer when you access or use our services with a smart speaker or other smart home device; and
• collect device identification information about your mobile phone or tablet from your device manufacturer or the mobile application store connected to your device when you install or use our mobile applications on your devices.

We may receive information about you from other sources, including publicly available sources or third parties. We may combine this data with information we already have about you, in order to maintain and update our records, and other purposes as set forth herein.

4. We collect information automatically.

We may collect information automatically using online technologies, such as cookies, logs, web beacons, tags, scripts, local storage, and others when you use our websites or mobile applications, send us an email, or interact with our emails or advertisements. We may use these technologies for providing our products or services, security, authentication, analytics, product or service improvement, advertising, fraud detection, or similar purposes for our websites or mobile applications.

We may automatically collect from you information including internet protocol addresses, browser information and language, mobile device identifiers, internet service provider, referring and exit pages, operating system, session ID, date and time stamp, geolocation or other location information, and click or touch stream data, movement, scroll, and in some cases, keystroke activity.

We may use local storage (such as HTML5 or Flash cookies) or similar technologies to store content information or preferences or display advertising.

We use this information to:

• conduct website or mobile application analysis;
• recognize your browser or device;
• remember your preferences and interactions;
• collect information about our website or mobile application usage and email responses;
• log activity on our websites or mobile applications; and
• market products or services to you.

5. We use your Personal Information to provide you with our products or services.

Personal information is information that identifies, relates to, describes, is reasonably capable of being associated with or could be reasonably linked (directly or indirectly) to you (“Personal Information”). Personal Information does not include publicly available information, such as information lawfully made available from government records.

We generally use your Personal Information to provide you with our insurance products or services and to develop, maintain or improve our products, services, or operations, including performing analytics, research, and development on our products and services including through the use of artificial intelligence (“AI”) systems and/or automated decision-making tools. We also use your Personal Information to communicate with you, to provide you with customer service, to market or advertise our products or services to you, for legal or compliance purposes, or as required or permitted by applicable law.

We may use your Personal Information to comply with our legal obligations, resolve disputes, enforce our agreements or our rights or the rights of third parties, or to comply with government or law enforcement investigations, litigation, discovery, regulatory requirements, corporate investigations, dispute resolution, debt collection, or others. We also may use this information to make solely automated decisions utilizing AI tools and systems that produce legally significant effects, including decisions that may involve the use of AI systems.

6. We use your information with artificial intelligence (AI).

We and our third-party service providers may use your Personal Information with AI technology in order to improve or provide you with our services, and any other use consistent with this Privacy Policy. We use your Personal Information only as reasonably necessary to perform or maintain the services you requested, to perform services on behalf of the business such as maintaining or servicing accounts, processing payments, to provide analytics services or similar services, to detect security incidents, and other reasons that do not require an opt-out of this use. The type of AI we use varies based on your relationship with us and by product and service.

7. You can control cookies or similar technologies.

Most internet browsers allow you to block, manage, or delete cookies or local storage through the privacy features of your browser. Please refer to the help section of your browser or mobile device for additional information. Your browser may also offer add-ons, plugins, or extensions to manage local storage objects, scripts, or similar technologies mentioned in our Privacy Policy. Please note that if you block cookies or similar technologies, you may not be able to use the full functionality of our websites or mobile applications.

We may use various technologies to collect and store information when you use this website, including, but not limited to cookies and similar tracking technologies, such as pixels and web beacons. A cookie is a small amount of data, which often includes an anonymous unique identifier, which is sent to your browser from a website’s computers and stored on your computer’s hard drive. Cookies can be used to provide you with a tailored user experience and to make it easier for you to use a website during a future visit. We may include cookies on our website and use them to recognize you when you return to our website. You may set your browser so that it does not accept cookies, but the website may not function as intended if you do so. To access certain personalized features or the full functionality of our website, cookies must be enabled on your web browser.

8. We use Google’s services.

Our websites or mobile applications may use Google Analytics and Google Tag Manager, which are web analytics services provided by Google LLC. These services use cookies to analyze your use of our websites or mobile applications. The information collected by these cookies about your use of our websites or mobile applications is transmitted to and stored on Google servers. Google uses this information to assess your use of our websites or mobile applications and provides reports on data. This data may include how often you visit our websites or mobile applications, what pages you view when you visit the websites or mobile applications, and what other websites you have visited prior to visiting our websites or mobile applications. Google may transfer this information to third parties, if required by law or if third parties process the information on behalf of Google.

You may review Google’s data privacy practices for Google Analytics and data privacy practices for Google Tag Manager. You may also review Google’s Privacy Policy and Terms of Service for more information. To opt out of being tracked by Google Analytics, you may download and install the Google Analytics Opt-out Browser Add-on.

9. We use online interest-based advertising.

We work with advertising companies to show you online advertising for our products or services based on your interests. These ads may be based on your interests or activities on our websites or other websites. We may use online technologies, such as third-party cookies, beacons, tags, or scripts, to collect information about you. We share this information with our service providers to manage our online advertising. This allows us to render relevant ads to you. This is commonly known as online interest-based advertising.

Our third-party partners may also use online technologies for website or mobile application analysis and to manage the effectiveness of our ads placed on other websites or mobile applications. We do not store your name, address, telephone number, email address, or any sensitive Personal Information in these cookies or similar technologies. The companies that distribute our ads are only permitted to use or share your information for marketing our products and services. You should also review the privacy practices of those third parties.

10. You can control online interest-based advertising.

You may read more about online interest-based advertising by visiting this Federal Trade Commission website. You can opt out of online interest-based advertising using this Digital Advertising Alliance website or this Network Advertising Initiative website.

You can opt out of online interest-based advertising on your mobile device by using “Limit Ad Tracking,” “Opt Out of Ads Personalization,” or similar feature. Please note that you may continue to see generic or non-targeted ads from these companies after you opt out. Our websites or mobile applications do not respond to “Do Not Track” requests.

11. We provide links to other websites.

We may have links to other companies or organizations on our websites or mobile applications. We may also include links to third-party websites or social media widgets, such as “Share This” buttons. These websites and features may collect your information and use cookies or similar technologies to enable these features to function properly. We are not responsible for how these third parties collect, use, disclose, secure, or otherwise process the information that you provide to them. You may read their privacy policies to learn how their websites or mobile applications use your information. An external link may have a different privacy policy than this website and you must address any privacy concerns of an external link solely with the owner of the external link’s website. We disclaim any liability from external sites that are linked on our website and you access them at your own risk.

12. We may offer usage-based insurance products or services.

We may offer various usage-based insurance products or services that collect different information from you. If you obtain usage-based insurance products or services from us, we may collect information about your vehicle, precise location, trip, speed, braking, destination, and other telematic information to provide you with usage-based insurance products or services. Depending on the particular product or service, we may gather this information using your vehicle, mobile application, other telematics device, or data aggregator.

We may use this information to provide you with personalized feedback, evaluate risk, calculate your insurance premium, develop or improve products or services, in accordance with our terms, or as otherwise permitted by law. We may also use and share this information in accordance with our Privacy Policy. We will continue to collect this information until you change the permissions relating to its collection on your mobile application or device. In order to stop the collection of this information, you may delete or change the privacy permissions for your mobile application, delete the mobile application, or remove the telematics device from operation.

Please note that turning off or disabling telematics features will affect the services and functionality available to you. Depending on your particular product or service, we may also cancel your product, service, or insurance coverage as a result of these actions.

We may also collect information from and about your smart home device, sensor, or alarm when you sign up for a usage-based insurance product or service from us that relies on such telematics information. Depending on the particular product or service, this may include types, number, make, model, installation date, status, location, and operating condition of sensors, alarms, cameras, or other devices connected to your smart home system. In some cases, this may also include information sent from these sensors, alarms, or other devices.

13. We record calls to our call centers.

We may record or monitor our conversations with you if you call our customer service centers. We may use these recordings for training, quality assurance, fraud prevention, and for other purposes. We may use your voiceprint for verification or anti-fraud purposes when you call our call centers.

14. We retain your Personal Information.

We generally retain our records that contain your Personal Information in accordance with our records retention policies. We retain your Personal Information while your account is active or as needed to provide you with our products and services. We also retain your Personal Information as required or permitted by law, to comply with our legal obligations, resolve disputes, and enforce our agreements. We may retain your Personal Information for as long as necessary, either to meet the purposes described above or as required by legal, regulatory, tax, accounting or for other purposes.

15. We share your Personal Information to provide your products or services.

We do not sell your Personal Information.

When you buy an insurance or financial product or service, we may share your information with our affiliates or our service providers to provide your product or service, to conduct research and analytics, to develop our websites or mobile applications, and to conduct surveys. We may also share your information with your agent. They may use your information to manage your policy or account.

We also share and disclose your information for everyday business, servicing purposes, and as permitted by law. You may not opt out of this type of sharing because it is necessary for us to provide you with our products or services. For example, we may share your Personal Information to mail your statements or process transactions that you request; as required by law, such as responding to a subpoena or governmental requests; when we believe that disclosure is necessary to protect our rights, protect your safety, or the safety of others; investigate fraud or respond to a government request; servicing your services or products; debt collection; and disclosing your information in connection with the sale or purchase of a business.

We may share your Personal Information in corporate transactions, such as mergers, acquisitions, or divestitures. However, your Personal Information remains subject to this Privacy Policy.

16. Please also review our Notice of Company Information Practices.

If you have an insurance product from us, please also read our Notice of Company Information Practices for additional information about how we use, share, or otherwise process your Personal Information.

17. You can access your Personal Information.

You can access your Personal Information relating to insurance or financial products by contacting us. We will respond to your request within a reasonable time frame. To correct information, you may log in to your online account and make the updates, or you may call us or contact your agent to correct the information.

If we received information about you from a consumer reporting agency or similar source, you must contact them directly. Please also review the specific privacy notice for the product or service that is provided to you for any additional instructions.

18. We secure your Personal Information.

We use reasonable physical and technical safeguards to protect your Personal Information. When you enter sensitive information on our forms, we encrypt the transmission of that information. However, no method of transmission over the internet is 100% secure. Therefore, we cannot guarantee its security.

We maintain physical, electronic, and procedural safeguards that comply with applicable laws to guard your Personal Information. We will exercise commercially reasonable efforts to keep your Personal Information safe, but we cannot and do not guarantee total security of your Personal Information and any transmission of Personal Information or use of this website is at your own risk.

19. We don’t knowingly collect information from children.

Our websites and mobile applications are not intended for children under the age of 18.  We do not knowingly collect, use, or disclose Personal Information or data from children under the age of 18. If you are a parent or guardian of a child under the age of 18 and you believe we have collected, used, disclosed, or shared information about children under the age of 18, please contact us so that we can take appropriate action.

20. We may change our Privacy Policy.

We may change this Privacy Policy from time to time. If we make material changes to our Privacy Policy, we’ll post the changes on this website or mobile application (or a website or mobile application that replaces them) and may notify you, prior to the change becoming effective, either by posting a notice on this website or mobile application (or a website or mobile application that replaces them), or via your account or email. Although this policy may change, your continued use of our services and products serves as your consent to this Privacy Policy.

23. You can contact us.

If you think your privacy has been violated, or have any questions or concerns regarding this Privacy Policy, you may email us at communications@omig.com, call us at 800-686-3011, or mail us at:

Ohio Mutual Insurance Company
P.O. Box 111
Bucyrus, OH 44820
USA