Last Updated: January 15, 2021
We may collect information about you in the following ways:
We use and disclose this information to provide you with our products or services, to communicate with you, to provide you with customer service, to market our products or services to you, to develop or improve our products or services, for legal or compliance purposes, or as required or permitted by applicable law. The remainder of this policy provides you with additional information.
You may print or download a pdf version of this policy.
We collect the information you provide us when you use our websites or apps, such as when you:
We collect information about you when you apply for our products or services. Some examples include:
We may collect personal information about you, another insured on your policy, or a beneficiary when you or they apply for a policy or 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.
We may collect information about you from third parties. For example, we may:
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, for example in order to update our records.
We generally use your information to provide you with our products or services, to develop or improve our products or services, 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 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 apps, 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 apps.
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:
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. OMIC 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 OMIC ads to you. This is commonly known as online interest-based advertising.
Our third-party partners may also use online technologies for website or app analysis and to manage the effectiveness of our ads placed on other websites or apps. 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 OMIC products and services. You should also review the privacy practices of those third parties.
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. OMIC websites or apps do not respond to “Do Not Track” requests.
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 a usage-based insurance products or services. Depending on the particular product or service, we may gather this information using your vehicle, mobile app, other telematics device, or data aggregator.
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.
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 other business purposes. We may use your voiceprint for verification or anti-fraud purposes when you call our call centers.
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 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.
OMIC may share your personal information only as described in our privacy policies. We do not sell your personal information.
When you buy an insurance or financial product or service, we may share your information with OMIC affiliates or our service providers to provide your product or service, to conduct research and analytics, to develop our websites or apps, 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 and 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 for mailing your statements or processing 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.
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.
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.
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 limit access to your personal information to those who need it to do their jobs. We maintain physical, electronic, and procedural safeguards that comply with applicable laws to guard your personal information. We require our service providers to use your personal information only for the purposes we outline in our privacy policies and notices.
Our websites or apps are not intended for children under the age of 13. We do not knowingly collect personal information from such children.
Ohio Mutual Insurance Group
P.O. Box 111
Bucyrus, OH 44820