The privacy and security of your personal information is important to us. This notice, which is required by state law, explains our privacy policies and applies to our direct and indirect customer transactions as well as all communications through the website www.climate.com, and related websites, applications, mobile device applications, technology platforms, and services (collectively, the "The Climate Corporation Service Platform"). If you have purchased an insurance policy through The Climate Insurance Agency, you should already have received a copy of this notice.
Collection of Information
The website www.climate.com and related websites, services, and applications that make up The Climate Corporation Service Platform are owned and operated by The Climate Corporation. The Climate Corporation values the privacy of users of The Climate Corporation Service Platform (collectively or individually "Users"). This section specifically addresses the information you provide to us or that we learn from your use of The Climate Corporation Service Platform and tells you how we may collect information. The Climate Corporation will not sell your personally identifiable information to third parties.
Information You Provide When you apply or register for insurance or any service through The Climate Corporation or its affiliates or subsidiaries, contact us by telephone, or contact us directly through The Climate Corporation Service Platform, we may collect information about you to assist us in providing insurance coverage and other web-based tools and services, supplying product information, servicing your policy or responding to your customer requests. We may also collect information when we contact you by phone, e-mail or mail. The information collected may include nonpublic personal information, such as:
"Cookies." When you visit The Climate Corporation Service Platform, we may send one or more cookies – a small text file containing a string of alphanumeric characters – to your computer or mobile device. The Climate Corporation uses both session cookies and persistent cookies. A persistent cookie remains after you close your browser and may be used by your browser on subsequent visits to The Climate Corporation Service Platform. By using these cookies, we can "remember" what you have done on The Climate Corporation Service Platform before and personalize our site for you. These persistent types of cookies can be removed, but each web browser is a little different, so please look through your browser "Help" file to learn the correct way to modify your cookies set-up. Please note that disabling cookies may prevent you from accessing some of the functionality and site offerings available via The Climate Corporation Service Platform.
"Automatically Collected" Information. When you visit The Climate Corporation Service Platform or open one of our HTML emails, we may record certain information from your web browser by using different types of technology, which may include, for example, standard logging, "clear gifs" or "web beacons". This "automatically collected" information may include your Internet Protocol address ("IP Address") or other device ID, device type and operating system, web browser type, the web pages or sites that you visit just before or just after The Climate Corporation Service Platform, the pages and features you access and use on The Climate Corporation Service Platform, and the dates and times that you visit. In addition, our mobile application will have access to the following information and systems on your device: UDID, MAC address, or other applicable device identifier, phone state and identity, internet, SMS/MMS messaging, and location.
Location Information: Some of the features of The Climate Corporation Service Platform may enable The Climate Corporation to access information about your current or past location in order to provide analytical and organizational features for your media content (such as field locations and the like) or to personalize your experience with The Climate Corporation Service Platform based on your location (“Location-based Services”). In order to use Location-based Services based on your current location, you must allow The Climate Corporation access to your localized position through your mobile phone, which The Climate Corporation may choose to accomplish through a variety of means, including GPS location, IP address, cell tower location, or other methods, as available. You will be given the option to automatically enable the provision of some Location-based Services through your device and/or through The Climate Corporation Service Platform. If you choose to disable The Climate Corporation Service Platform Location-based Services (whether through device settings or The Climate Corporation Service Platform settings), you will not be able to utilize certain features of The Climate Corporation Service Platform.
Consistent with the federal Children’s Online Privacy Protection Act of 1998 (COPPA), we will never knowingly request personally identifiable information from anyone under the age of thirteen (13) without requiring parental consent. Any person who provides their personal information to The Climate Corporation through The Climate Corporation Service Platform represents that they are at least 13 years of age.
Use of Information
We take pride in the fact that The Climate Corporation Service Platform, and Climate Corporation's approach to customer service is highly personalized, and we use the information we collect or that you provide in a variety of ways in conducting our business with you and our other customers, including the ways described below.
By giving us your telephone number, you consent to being contacted by that number, including if that number is for a cell phone or other wireless device. We may contact you in person, by recorded message, by text message or by other means of communication your device is capable of receiving, as allowed by law and for reasonable business purposes, including informing you about marketing promotions, collecting information on product improvements, and to service your policy with us. Note that sending and receiving messages from your mobile device may result in charges from your mobile carrier. Similarly, by giving us your electronic mailing (e-mail) address, you consent to being contacted at that address, as allowed by law and for similar, reasonable business purposes.
The Climate Corporation and our affiliates use the information that we collect to develop, enhance, support, maintain, and provide all of the features and services found through The Climate Corporation Service Platform and our other products and services, which includes:
Information We May Provide to Others
We are not in the business of selling your information. We do, however, disclose the information we collect and that you provide in a variety of circumstances in the ordinary course of operating our business, including the circumstances described below.
We may disclose nonpublic, personal information about our applicants, customers, and former customers as permitted by law or required by law, and in performing our normal business and insurance operations. To the extent necessary to perform our business and insurance obligations, or as required by regulation, court order or law, we may also share information with other companies that are involved in issuing or administering our insurance program, such as your agent, the issuing insurer on your policy, our financial and operations service providers, legal counsel, claims investigation service partners or fraud prevention service providers. Examples of when we may use and disclose your information include:
In addition to affiliates and service providers, The Climate Corporation may share aggregated, non-personally-identifiable information with interested third parties to assist them in understanding the usage patterns for certain content, services, advertisements, promotions, and/or functionality on The Climate Corporation Service Platform. This is aggregated data and will never include your personal, nonpublic information.
When you use any social sharing function we may provide to share our products, services and The Climate Corporation Service Platform (e.g., sharing on Facebook or Twitter), your sharing activity will be processed through a third party's site or service. These third parties' privacy policies, not ours, govern the collection and use of the information collected on those sites.
If you use our user-generated content services, like posting a question, answer or blog on any public facing portion of The Climate Corporation Service Platform, you should be aware that any personally identifiable information you submit there can be read, collected, or used by other users and could be used to send you unsolicited messages. We are not responsible for the personally identifiable information you choose to submit in these public forums.
How to Request Your Information
If you have questions about the information in your file or your policy file (with the exception of certain documents relating to claims and lawsuits), please write to us and we will respond within thirty (30) business days. If you believe there is an error in the information, we will investigate and if appropriate, correct the information. If you have any questions about the right to access or correct information in your file, please contact us at: The Climate Corporation, Attn: Legal Department, 201 Third Street, Suite 1100, San Francisco, CA 94103.
Opting Out of Marketing and Advertising Campaigns
You always have an opportunity to opt-out if do not wish to receive marketing and promotional materials. If you would like to opt out of any of our marketing programs, please contact our Customer Support center at email@example.com or by calling our Customer Support number 1-888-924-7475. If you wish to opt-out of an e-mail subscription, please visit https://info.climate.com/Unsubscribe.html for further instructions.
Website & Data Security
Account Information If you hold a customer, user or agent account, you may have access to personal information for yourself or your clients, and you may be able to update, correct, or delete your or your client’s member information and email subscription preferences at any time. To protect your privacy and security, we take certain steps designed to verify your identity before granting User’s member profile access. You are responsible for maintaining the secrecy of your unique password and account information at all times AND FOR ANY TRANSACTIONS PERFORMED FROM THAT ACCOUNT.
No data transmissions over the Internet can be guaranteed to be 100% secure. Consequently, we cannot ensure or warrant the security of any information you transmit to us and you do so at your own risk. Please note that email messages are not secure. Our security programs do not encrypt email messages. However, once we receive your transmission, we make reasonable efforts to ensure security on our systems through procedural, manual and electronic security controls which include identifying the information that should be protected and providing adequate levels of protection for those pieces of information. We use secure server software (SSL) and firewalls to protect your information from unauthorized access, disclosure, alteration, or destruction. While this is not a guarantee that such information may not be accessed, disclosed, altered, or destroyed by breach of such firewalls and secure server software, we are committed to keeping our customer’s information secure and to maintaining compliance with all relevant state and federal requirements concerning information security. If The Climate Corporation learns of a security systems breach, then we may attempt to notify you electronically so that you can take appropriate protective steps. By using The Climate Corporation Service Platform or providing personal information to us you agree that we can communicate with you electronically regarding security, privacy, and administrative issues relating to your use of The Climate Corporation Service Platform. The Climate Corporation may post a notice on The Climate Corporation Service Platform if a security breach occurs. If this happens, you will need a web browser enabling you to view The Climate Corporation’s Service Platform. The Climate Corporation may also send an email to you at the email address you have provided to us in these circumstances. Depending on where you live, you may have a legal right to receive notice of a security breach in writing. To receive a free written notice of a security breach (or to withdraw your consent from receiving electronic notice) you should notify us via email at firstname.lastname@example.org.
The Climate Corporation Service Platform is hosted in the United States. If you are a User accessing The Climate Corporation Service Platform from the European Union, Asia, or any other region with laws or regulations governing personal data collection, use, and disclosure, that differ from United States laws, please note that you are transferring your personal data to the United States which does not have the same data protection laws as the EU and other regions, and by providing your personal data you consent to:
2. the transfer of your personal data to the United States as indicated above.
Contacting The Climate Corporation
Effective Date: November 5, 2013