Privacy Notice

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, 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


When you apply 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: 

 

    • Information about your transactions with us or others relating to insurance coverage, farming practices and/or agricultural operations
    • Information used to underwrite or establish your eligibility for  products or services offered by The Climate Corporation, its affiliates or subsidiaries
    • Information relating to the processing or administering of your customer account, policy, coverage or claims.
    • Credit or consumer reporting information or history used in the process of processing an application for insurance, servicing or collecting payment on an account
    • Payment information, such as credit card or other financial account information used as a means of payment to or from The Climate Corporation, its affiliates or subsidiaries.


Information We May Provide to Others


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 insurance operations.  To the extent necessary to perform our 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 service providers, legal counsel, claims investigation service partners or fraud prevention service providers. Examples of when we may use your information include:

 

  • When performing normal service operations when issuing your policy or handling your claim
  • When our customer support operations engage to review or respond to a customer inquiry
  • When our legal support team handles a legal dispute or is required to provide information in the course of litigation
  • When we are required to provide information to a government agency in response to an audit, exam, inquiry or data request


Use of Information


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. 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.


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.  


User Information for Our Website


The website www.climate.com and related websites and services 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, use, and in some instances share this information


"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. 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, "clear gifs" or "web beacons". This "automatically collected" information may include your Internet Protocol address ("IP Address"), web browser type, the web pages or sites that you visit just before or just after The Climate Corporation Service Platform, the pages you view on our site, and the dates and times that you visit.

The Climate Corporation uses the information that we collect to provide to you all of the features and services found through The Climate Corporation Service Platform.  We may use your email address to inform you about the weather contracts and insurance policies you have purchased (if you are a client) or you have assisted with or produced (if you are a partner or insurance agent), for informing you about training programs regarding use of The Climate Corporation Service Platform, for non-marketing or administrative purposes such as notifying you of major site updates, and for customer service.  In addition, we may use your email and mailing addresses for marketing and promoting The Climate Corporation’s and third parties’ products and services. You will have an opportunity to opt-out if do not wish to receive such marketing and promotional materials. If you would like to opt out of any of the above, please contact our Customer Support center at support@climate.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.


The Climate Corporation uses automatically collected information and cookies information to: (a) remember your information so that you will not have to re-enter it during your visit or the next time you visit The Climate Corporation Service Platform; (b) provide custom, personalized advertisements, content, and information; (c) monitor the effectiveness of our marketing campaigns; and (d) monitor aggregate usage metrics such as total number of visitors and pages viewed.

 

The Climate Corporation may disclose both personally identifiable and automatically collected information to affiliated companies or other businesses or persons to process such information on our behalf, to provide website maintenance and security, to offer certain features on the The Climate Corporation Service Platform, to assist us in improving the way The Climate Corporation Service Platform works and looks, and to create new features. We require that these parties agree to process such information in compliance with our Privacy Policy, we use reasonable efforts to limit their use of such information, and we require these parties to use any other appropriate confidentiality and security measures.

 

We may share automatically collected and other aggregate 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.

 

Except as otherwise noted in this Privacy Policy, The Climate Corporation does not share personal information about The Climate Corporation Service Platform users with third parties unless doing so is appropriate to carry out a user’s request or it reasonably believes that doing so is legally required or is in The Climate Corporation’s interest to protect its property or other legal rights or the rights or property of others.

 

Children:

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.


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 reasonable steps 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.

Third-party Advertisers
The Climate Corporation may allow other companies, called third-party ad servers or ad networks, to serve advertisements within The Climate Corporation Service Platform. These third-party ad servers or ad networks use technology to send, directly to your browser, the advertisements and links that appear on the Climate Corporation Service Platform. They automatically receive your IP Address when this happens. They may also use other technologies (such as cookies, JavaScript, or web beacons) to measure the effectiveness of their advertisements and to personalize their advertising content.

The Climate Corporation does not provide any personally identifiable information to these third-party ad servers or ad networks without your consent or except as part of a specific program or feature for which you will have the ability to opt-in. However, please note that if an advertiser asks The Climate Corporation to show an advertisement to a certain audience or audience segment and you respond to that advertisement, the advertiser or ad-server may conclude that you fit the description of the audience they were trying to reach.

You should consult the respective privacy policies of these third-party ad servers or ad networks. The Climate Corporation’s Privacy Policy does not apply to, and we cannot control the activities of, such other advertisers or websites.

Data Transmissions
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 support@climate.com.

International Users


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:

1. the collection, use, and disclosure of your personal data for the uses identified above in accordance with the Privacy Policy; and

2. the transfer of your personal data to the United States as indicated above.


Modifications to this Privacy Policy


We may occasionally update this Privacy Policy. When we do, we will also revise the "effective date" on the Privacy Policy. For changes to this Privacy Policy that may be materially less restrictive on our use or disclosure of personal information that you have provided to us, we will attempt to obtain your consent before implementing the change. We encourage you to periodically review this Privacy Policy to stay informed about how we are protecting the personal information we collect. Your continued use of The Climate Corporation Service Platform constitutes your agreement to this Privacy Policy and any updates.


Contacting The Climate Corporation


If you have any questions, comments, or concerns about this Privacy Policy, please email us at: legal@climate.com.  You can also contact us at the following postal mailing address:

Legal Department

The Climate Corporation
201 Third Street, Suite 1100
San Francisco, CA 94103
USA

If you have a privacy concern regarding The Climate Corporation Service Platform or this Privacy Policy and if you cannot satisfactorily resolve it through the use of The Climate Corporation Service Platform, you should write to: legal@climate.com. In the event that we are still unable to resolve your concerns The Climate Corporation is committed to cooperating to achieve a proper resolution of your privacy concerns

 

Effective date: May 7, 2013