Sugar Creek Mutual Insurance Company is committed to protecting your privacy and developing technology that gives you the most powerful and safe online experience. This Statement of Privacy applies to the Sugar Creek Mutual Insurance Company and Ascot Agency Inc. Web sites and governs data collection and usage. By using the Sugar Creek Mutual Insurance Company website, you consent to the data practices described in this statement.
Collection of your Personal Information
Sugar Creek Mutual Insurance Company collects personally identifiable information, such as your e-mail address, name, home or work address or telephone number. Sugar Creek Mutual Insurance Company also collects anonymous demographic information, which is not unique to you, such as your ZIP code, age, gender, preferences, interests and favorites.
There is also information about your computer hardware and software that is automatically collected by Sugar Creek Mutual Insurance Company. This information can include your IP address, browser type, domain names, access times and referring Web site addresses. This information is used by Sugar Creek Mutual Insurance Company for the operation of the service, to maintain quality of the service, and to provide general statistics regarding use of the Sugar Creek Mutual Insurance Company Web site.
Sugar Creek Mutual Insurance Company encourages you to review the privacy statements of Web sites you choose to link to from Sugar Creek Mutual Insurance Company so that you can understand how those Web sites collect, use and share your information. Sugar Creek Mutual Insurance Company is not responsible for the privacy statements or other content on Web sites outside of the Sugar Creek Mutual Insurance Company and Sugar Creek Mutual Insurance Company family of Web sites.
Use of your Personal Information
Sugar Creek Mutual Insurance Company collects and uses your personal information to operate the Sugar Creek Mutual Insurance Company Web site and deliver the services you have requested. Sugar Creek Mutual Insurance Company also uses your personally identifiable information to inform you of other products or services available from Sugar Creek Mutual Insurance Company and its affiliates. Sugar Creek Mutual Insurance Company may also contact you via surveys to conduct research about your opinion of current services or of potential new services that may be offered.
Sugar Creek Mutual Insurance Company does not sell, rent or lease its customer lists to third parties. Sugar Creek Mutual Insurance Company may, from time to time, contact you on behalf of external business partners about a particular offering that may be of interest to you. In those cases, your unique personally identifiable information (e-mail, name, address, telephone number) is not transferred to the third party. In addition, Sugar Creek Mutual Insurance Company may share data with trusted partners to help us perform statistical analysis, send you email or postal mail, provide customer support, or arrange for deliveries. All such third parties are prohibited from using your personal information except to provide these services to Sugar Creek Mutual Insurance Company, and they are required to maintain the confidentiality of your information.
Sugar Creek Mutual Insurance Company does not use or disclose sensitive personal information, such as race, religion, or political affiliations, without your explicit consent.
Sugar Creek Mutual Insurance Company keeps track of the Web sites and pages our customers visit within Sugar Creek Mutual Insurance Company, in order to determine what Sugar Creek Mutual Insurance Company services are the most popular. This data is used to deliver customized content and advertising within Sugar Creek Mutual Insurance Company to customers whose behavior indicates that they are interested in a particular subject area.
Collecting Information to Conduct Our Business
Sugar Creek Mutual Insurance Company Web sites will collect, retain, and use nonpublic personal financial information about you for the purpose of serving your insurance needs and administering our customer relationships. We may collect information about you from the following sources:
- I Information we, or our affiliates, receive from you on applications or other forms, or in response to an oral request for information from you such as regarding your property, its location and condition, and identifying information such as your name, address, and telephone number.
- Information about your transactions with us, our affiliates, or others such as policies purchased, coverages, premium payment and claim history; and
- Information we receive from a consumer reporting agency such as your credit worthiness and credit history.
We may disclose all of the nonpublic personal information that we collect about current and former customers, as described above.
Sugar Creek Mutual Insurance independent agents
Sugar Creek Mutual's independent agents are authorized to solicit insurance; however, they are not Sugar Creek Mutual Insurance employees. Because they have a unique business relationship with you, they may have additional personal information about you that we do not have. Agents may use any of your personal information they have for purposes other than doing business with us. If so, your agent may need to provide you with the agency's privacy policy.
To Whom We May Disclose That Information
We may disclose nonpublic personal information about you to the following types of affiliates and nonaffiliated third parties:
- Financial service providers such as adjusters, insurers, reinsurers, mortgage bankers and insurance agents.
- Others as necessary to effect, administer or enforce a transaction such as contractors, repair people, vendors, investigators, engineers, and attorneys.
Disclosures to Non-Affiliated Third Parties
We may disclose the information we collect to nonaffiliated third parties such as insurance companies, mortgage bankers, lenders, and insurance agents. Information disclosed to these parties is generally limited to name, address, phone number, policy coverage, claim history, and premium payment history. This information will be disclosed only if the non-affiliated third parties request it, and the information they request is necessary to effect, administer, or enforce a transaction.
How We Protect the Confidentiality and Security of Your Nonpublic Person Financial Information
We restrict access to nonpublic personal financial information about you to employees, board members, adjusters, inspectors, and others who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with applicable federal regulations to guard your nonpublic personal financial information.
Your Right to Prevent Certain Disclosures
If you prefer that we not disclose nonpublic personal financial information about you to nonaffiliated third parties, you may direct us not to make those disclosures, other than disclosures permitted by law. If you wish to prevent disclosures to nonaffiliated third parties, you may call us toll free at 1-800-236-3244 between 8:30 am - 4:30 pm Monday through Friday. You may exercise this option at any time. We will take action on your request as soon as possible.
Use of Cookies
The Sugar Creek Mutual Insurance Company Web site use "cookies" to help you personalize your online experience. A cookie is a text file that is placed on your hard disk by a Web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you.
One of the primary purposes of cookies is to provide a convenience feature to save you time. The purpose of a cookie is to tell the Web server that you have returned to a specific page. For example, if you personalize Sugar Creek Mutual Insurance Company pages, or register with Sugar Creek Mutual Insurance Company site or services, a cookie helps Sugar Creek Mutual Insurance Company to recall your specific information on subsequent visits. This simplifies the process of recording your personal information, such as billing addresses, shipping addresses, and so on. When you return to the same Sugar Creek Mutual Insurance Company Web site, the information you previously provided can be retrieved, so you can easily use the Sugar Creek Mutual Insurance Company features that you customized.
You have the ability to accept or decline cookies. Most Web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of the Sugar Creek Mutual Insurance Company services or Web sites you visit.
Security of your Personal Information
Sugar Creek Mutual Insurance Company secures your personal information from unauthorized access, use or disclosure. Sugar Creek Mutual Insurance Company secures the personally identifiable information you provide on computer servers in a controlled, secure environment, protected from unauthorized access, use or disclosure. When personal information (such as a credit card number) is transmitted to other Web sites, it is protected with encryption, such as the Secure Socket Layer (SSL) protocol.
Changes to this Statement
Sugar Creek Mutual Insurance Company will occasionally update this Statement of Privacy to reflect company and customer feedback. Sugar Creek Mutual Insurance Company encourages you to periodically review this Statement to be informed of how Sugar Creek Mutual Insurance Company is protecting your information.
Contact Information
Sugar Creek Mutual Insurance Company welcomes your comments regarding this Statement of Privacy. If you believe that Sugar Creek Mutual Insurance Company has not adhered to this Statement, please contact Sugar Creek Mutual Insurance Company at jviney@sugarcreekmutual.com. We will use commercially reasonable efforts to promptly determine and remedy the problem.
