Last updated January 1st, 2013
Embrace Pet Insurance values its relationship with you. Protecting the privacy of your information is of the greatest importance to us. The following provides details of our practices and procedures for protecting the security of nonpublic, personally identifiable information about you.
- Whether you are a current, former, or potential customer, Embrace Pet Insurance treats your personal information with the same high level of confidentiality and security.
- We never sell your personal information.
- We only share your personal information as necessary to provide the insurance products and services you have requested, to contact you about Embrace Pet Insurance's products and services, as directed by you, as permitted by law, or as described in this privacy statement.
If you have questions or concerns regarding this statement you should first contact the Embrace Privacy Officer at PO Box 22188, Beachwood, Ohio, 44122, telephone (800) 511-9172.
The Information We Collect and Its Use
At Embrace Pet Insurance, we gather information about you to process and service your insurance policy, settle your claims, offer you additional products and services that we think may be of interest to you, and as directed by you with your consent. Some of the areas on the site where we collect this information is when you subscribe to our newsletter, contact us, apply to the partner program, purchase pet insurance, or give us feedback. Some of this may be nonpublic, personal information (information not available to the general public) that is provided by you, that we gather from transactions and communications with you, through services performed for you, that we obtain from third parties, or that we obtain through other means.
If you use our blog which is hosted by Typepad on this web site, you should be aware that any personally identifiable information you submit there can be read, collected, or used by other users of these forums, and could be used to send you unsolicited messages. We are not responsible for the personally identifiable information you chose to submit in the blog.
We use third parties to provide our credit card processing services and an e-mail service provider to handle our email services. We will share your billing information and email address as necessary for these third parties to provide their service.
These third parties are prohibited from using your personally identifiable information for any other purpose including their own marketing purposes.
Information Collected Automatically through the Embrace Pet Insurance Web Site
You can browse our Web site anonymously and find information about Embrace Pet Insurance and our products. Embrace Pet Insurance collects general information about Web site visits as part of our business tracking through the use of log files. This information does not identify you personally and is used to enhance your Web site experience. This includes information such as how you linked to our Web site, Internet protocol (IP) address, browser type, and time of visit.
Embrace Pet Insurance may use technology that includes pixels and cookies on our Web site to support site tracking, measure site performance, and for product marketing. Our site places a cookie on your computer to identify you when you return, to personalize aspects of your experience at our site, and to better understand how visitors are using our site, all of which helps us to continually improve your experience on our site. These cookies contain no personal information and they will not damage your computer. We use industry standard encryption techniques to send cookies and your security is not compromised by their use. Your browser must be set to accept cookies in order to navigate the Embrace Pet Insurance site.
Information We Disclose
Information about our customers, former customers, and consumers who do not purchase products from us will be disclosed only as permitted or required by law, or as directed by the customer or consumer.
We may disclose information to affiliated and nonaffiliated insurance companies, insurance agents, reinsurance companies, consumer reporting agencies, government entities, and claims administrators. We may also disclose information to non-affiliated third parties that perform services or functions on our behalf including the marketing of our products or services. However, as previously disclosed, these non-affiliated third parties may not use your personally identifiable information for their own marketing purposes.
The following are examples of situations in which we may disclose information:
- Your information may be passed between us and our agents, appraisers, attorneys, investigators, and others who may be involved in the sales and marketing of Embrace Pet Insurance products and services, processing of applications, and servicing of policies or claims.
- We provide your policy information to adjusters and other appropriate business entities when you are involved in a claim.
- We may provide your information to others whom we determine need such information to perform insurance or other professional functions for us. These may include parties helping us with administrative services and consumer reporting agencies.
- We may supply information as required by search warrant, subpoena, or legal process, with state insurance departments, or other law enforcement or government authorities when required by law, or to protect our own legal interests in the event of suspected illegal or fraudulent activities.
You Don't Need to Opt-Out
Some companies allow access to your nonpublic, personal information by nonaffiliated third parties so they can market their products and services to you. Several laws give you the option of "opting-out" of this type of information sharing. However, at Embrace Pet Insurance we do not share your information with nonaffiliated third parties for their marketing purposes, unless you specifically direct us to do so. Therefore you don't need to "opt-out."
Embrace Pet Insurance Communications
As an Embrace Pet Insurance customer, Embrace Pet Insurance will contact you regarding your policy and our products and services, such as billing notices, confirmations of changes, modifications to the Embrace Pet Insurance privacy statement, changes to our products, and other Embrace Pet Insurance-specific communications. You may NOT unsubscribe from these Embrace Pet Insurance-specific communications that relate to your primary usage of our service and products; and you agree to receive these if you make a purchase.
From time to time, Embrace Pet Insurance may contact you about third-party promotions. In addition, prior to purchasing a policy or after canceling your policy, Embrace Pet Insurance may contact you to confirm your quote or invite you to come back and get a new quote or to purchase a policy. You will always be able to unsubscribe from whichever type of communication you received by following the instructions set forth in each e-mail.
Confidential and Secure Environment
Embrace Pet Insurance uses encryption technology to protect your information. Our web site uses Secure Sockets Layer (SSL) technology to prevent unauthorized parties from viewing personal information provided to Embrace Pet Insurance during a secure session.
All secure pages on our Web site have been issued a digital certificate by Secure Server Certification Authority. You can view this digital certificate affirming the security of our site by clicking on the image of the closed lock at the bottom of your browser window. A small frame displaying our site's security information will appear.
We restrict access to your personal information to our employees, our affiliates' employees, or others who need to know that information to service your account. We maintain strict physical, electronic, and procedural safeguards to protect your personal information.
We follow generally accepted industry standards to protect the personal information submitted to us, both during transmission and once we receive it. No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, while we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.
Links to Other Companies on the Embrace Pet Insurance Web Site
Reviewing or Correcting Your Information
As a policyholder, you can always review and update your information by calling our customer service center at (800) 511-9172.
All consumers have the right to know the personal information that Embrace Pet Insurance has about them; to make changes to that information, and to know the identity of any entity that Embrace Pet Insurance has disclosed that information to within the previous two years. To make such an inquiry, please call our customer service center or write to the address or email listed below and identify the information you would like. You will be required to provide certain personal information for identity verification purposes.
If your information is immediately accessible when you call, the customer service representative will review it with you and you may make changes to it at that time. If your information is not immediately accessible when you contact us, within 30 business days Embrace Pet Insurance will inform you of the types of information we have about you.
If you would like to further review the information, you may review and copy the information in person at our customer service center or request a copy be sent to you by mail or email. Embrace Pet Insurance may charge a fee for providing a copy by mail.
Changes in this Privacy Statement
We reserve the right to modify this privacy statement at any time so please review it frequently. If we make material changes to this policy we will notify you here, by e-mail, or by means of a notice on our home page.
Embrace Pet Insurance
PO Box 22188
Beachwood, Ohio 44122
Toll free: (800) 511-9172