Comparion Insurance Agency Privacy Notice - California
Effective September 9, 2024
Comparion Insurance Agency, LLC, a Liberty Mutual company, ("Comparion" or "we", "us" and "our") is an insurance agency that helps individuals find the right insurance products from insurance carriers. This Comparion Insurance Agency Privacy Notice ("Notice") applies to you if you are a California resident and are contacting us to learn about insurance products or to buy insurance for yourself (for example, auto insurance). In this Notice, we explain how we gather, use, share, and protect your data.
What Personal Data Do We Collect?
The types of personal data we gather and share depend on both the product and your relationship to us. The data we gather can include your Social Security Number, income, transaction data such as account balances and payment history, and data from consumer reports. It may also include data gathered when you apply for insurance services or resulting from other contacts with you. It may also include:
- Identifiers, including a real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security Number, driver's license number, or other similar identifiers;
- Personal data, such as your name, signature, Social Security Number, physical characteristics or description, address, telephone number, driver's license or state identification card number, insurance policy number, education, employment, employment history, bank account number, financial data, precise geolocation, medical data, or health insurance data;
- Protected classification characteristics described in California Civil Code § 1798.80(e) including age, race, color, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, or veteran or military status;
- Commercial data, including records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories and tendencies;
- Internet or other similar network activity, including browsing history, search history, data about a consumer's interaction with a website, application, or advertisement;
- Professional or employment related data, including current or past job history;
- Inferences drawn from other personal data, such as a profile reflecting a person's preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes
- Risk data, including data about your driving and/or accident history; this may include data from consumer reporting agencies, such as your motor vehicle records, and loss history data, health data, or criminal convictions;
- Claims data, including data about your previous and current claims, which may include data regarding your health, criminal convictions, third party reports, or other personal data.
- Sensitive Data, as defined under the California Consumer Privacy Act of 2018 ("CCPA"), as amended.
For information about the types of personal data we have gathered in the past twelve months, please see the California Privacy Policy (Consumers).
How Do You Gather My Data?
| We gather your personal data directly from you. For example, you provide us with data when you: | We also gather your personal data from other people. For example: |
Organizations that share data with us may keep it and disclose it to others as permitted by law. For data about how we have gathered personal data in the past twelve months, please see the California Privacy Policy (Consumers).
How Do We Use Your Personal Data?
Comparion uses your data to offer you products and services and as otherwise provided in this notice. We may use your data and the data of our former customers for our business and other compatible purposes. Our business purposes include, for example:
Business Purpose | Data Categories | Do we share or sell your information as defined by CPRA |
|---|---|---|
Market, sell and provide insurance. This includes, for example:
|
| No |
Day to Day Business and Insurance Operations. This includes, for example:
|
| No |
Security and Fraud Detection. This includes, for example:
|
| No |
Regulatory and Legal Requirements. This includes, for example:
|
| No |
Improve Your Customer Experience and Offering of Products. This includes, for example:
|
| No |
Customer service and technical support. This includes, for example:
|
| No |
Cross-Context Behavioral Advertising |
| We share this information with service providers such as search engines and social media platforms |
Comparion will not collect additional categories of personal information or use the personal information we collected for materially unrelated, or incompatible purposes without updating our Notice.
Do We Disclose Your Personal Data?
Comparion does not sell your personal data as defined by California law.
Comparion shares your personal data as disclosed above. The California privacy law defines sharing as "communicating orally, in writing, or by electronic or other means, a consumer's personal information . . . to a third party for cross-context behavioral advertising, whether or not for monetary or other valuable consideration." For example, this occurs when you visit a Comparion website. Cookies or pixels are deployed that then allow us to show you targeted advertisements when you visit other websites or social media platforms. You have the right to opt-out of this type of sharing and you may learn more about those rights at lmi.co/caprivacychoices.
This type of sharing is different from disclosing personal information to other entities to perform a service. How we disclose data to these types of entities is set forth below.
Comparion may disclose personal data with affiliated and non-affiliated third parties, including:
- Liberty Mutual affiliates and partners;
- Service Providers;
- Insurance support organizations;
- Brokers and agents;
- Public entities (e.g., regulatory, quasi-regulatory, tax or other authorities, law enforcement agencies, courts, arbitrational bodies, and fraud prevention agencies);
- Consumer reporting agencies;
- Advisors including law firms, accountants, auditors, and tax advisors;
- Insurers, re-insurers, and policy holders;
- Group policyholders (for reporting claims data or an audit);
- Persons, organizations, affiliates or service providers conducting actuarial or research studies; and
- As permitted by law.
We may also disclose data with other companies that provide marketing services on our behalf or as part of a joint marketing agreement for products offered by Comparion. We will not disclose your personal data with others for their own marketing purposes.
We may also disclose data about our transactions and experiences with you to our affiliates.
Comparion may disclose the following categories of personal data as needed for business purposes:
Identifiers
Protected Classification Characteristics
Internet or other similar network activity
Inferences drawn from personal data
Claims Data
Personal Data
Commercial Data
Professional, employment, and education data
Risk Data
For information about the types of personal data we have gathered in the past twelve months, please see the California Privacy Policy (Consumers).
How Do We Keep your Personal Data Safe?
We maintain physical, electronic, and administrative safeguards created to protect your data from unauthorized access. Our employees and agents are authorized to access your data only for legitimate business purposes.
How Long Does Comparion Retain Each Category of Personal Data?
We retain your information in accordance with our legal obligations, our records retention policies, or as otherwise permitted by law. For example, we may have a legal obligation to retain information relating to your policies. We will delete your data once the legal obligation expires or after the period of time specified in our records retention policies. The period of retention is subject to our review and alteration.
What Rights Do I Have to Learn More About My Personal Data?
You may have rights under California laws to learn more about our privacy practices.
For example, under the California Insurance Code, you may request a copy of certain data about you to review its completeness and accuracy. You must make this request in writing by contacting us as indicated below. We have thirty business days after receiving your request to send the data to you.
To the extent required by law, we will also share the name and address of any consumer reporting agency from which we have received information about you. Some data we are not required to share.
If you believe the data we have about you is incorrect, you may notify us in writing of what you would like to correct and why. We will respond within thirty business days.
If we agree, we will change our records. We will send the change to any organization that has received the inaccurate information from us. It will also be included in any later disclosures to others.
If we disagree, we will tell you why. You can write us with a short statement explaining why you believe that the data is incorrect. This will become part of the file. We will also send it to any persons that have received the disputed information from us. It will also be included in any later disclosures to others.
You may have additional rights under other California laws. For more information about these rights, please see the California Privacy Policy (Consumers). If you cannot access the link, please contact us.
How to Contact Us:
You can submit requests, seek additional information, or obtain a copy of our Privacy Notice in an alternative format by either:
Who is Providing this Notice?