WEBSITE PRIVACY POLICY
Effective as of September 4, 2024
Last updated September 4, 2024
Western National Insurance Group and its subsidiaries Western National Assurance Company, Umialik Insurance Company, Pioneer Specialty Insurance Company, and American Freedom Insurance Company (collectively, “Western National,” “we,” “our,” or “us”) respect the privacy of your information. This Website Privacy Policy (“Privacy Policy”) is designed to assist you in understanding how we collect, use, share, and safeguard your information. It applies to individuals who access this website (“Site”) and any of our online services (“Services”). If you have sought or purchased insurance from Western National, please see our Notice of Privacy Policy (included in the policy), which describes our privacy practices relating to those services.
From time to time, we may change this Privacy Policy. If we do, we will post an amended version on this webpage. Please review this Privacy Policy periodically.
- PERSONAL DATA WE COLLECT
- HOW WE USE YOUR PERSONAL DATA
- HOW WE SHARE YOUR PERSONAL DATA
- COOKIES AND OTHER TRACKING TECHNOLOGIES
- “DO NOT TRACK” SIGNALS
- CHOICES ABOUT YOUR PERSONAL DATA
- SECURITY
- THIRD PARTY LINKS
- CHILDREN’S PRIVACY
- NOTICE TO CALIFORNIA RESIDENTS
- HOW TO CONTACT US
1. PERSONAL DATA WE COLLECT
We collect personal data from you through your use of the Site and Services. Personal data is information that is linked or reasonably linkable to an identified or identifiable individual. We collect the following types of personal data:
Personal Data You Provide
We may collect the following personal data that you voluntarily provide to us:
- Create an Account. If you create an account, you will provide us with your name, email address, and a password for future login purposes. You will also provide your policy number, house/building number, and zip code.
- Sign In. When you sign into your account, you will provide us with your login credentials.
- Make a Payment. If you make a payment, you will provide us with your login credentials, financial information, phone number, and physical address.
- Report a Claim. If you report a claim, you will provide us with your name, email address, phone number, policy number, and any other information you choose to include. If you are reporting an auto claim, you will also provide us with the driver’s name and the vehicle make, year, and model.
- Careers. If you apply for a job with us, you will provide us with your name, email address, physical address, phone number, current position, employer name, education information, employment history, and any other information you choose to include. Our careers page is provided by Paylocity. Paylocity may collect, record, and store the information you provide in your application. Please review Paylocity’s privacy policy here.
Information as You Navigate Our Site
We automatically collect certain personal data through your use of the Site and Services, such as the following:
- Usage Information. For example, pages on the Site you access, the frequency of access, and what you click on while on the Site.
- Device Information. For example, hardware model, operating system, application version number, and browser.
- Mobile Device Information. Aggregated information about whether the Site is accessed via a mobile device or tablet, the device type, and the carrier.
- Location Information. Location information from Site visitors on a city-regional basis.
For more information on our cookie usage see our “COOKIES AND OTHER TRACKING TECHNOLOGIES” section below.
Personal Data We Collect About You from Other Sources
In some cases, we may receive personal data about you from other sources. This includes advertising networks, operating systems and platforms, and advertising and marketing partners.
2. HOW WE USE YOUR PERSONAL DATA
In addition to the purposes stated above, we may use all the personal data we collect in accordance with applicable law such as to:
- Provide our Services to you;
- Process your account registration;
- Review your job application;
- Contact you regarding our products and services that we feel may be of interest to you;
- Communicate with you about our Site or Services or to inform you of any changes to our Site or Services;
- Provide support;
- Maintain and improve our Site and Services;
- Investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, or violations of our terms of use;
- Defend our legal rights and the rights of others;
- Fulfill any other purposes for which you provide it;
- For any purpose that is reasonably necessary to or compatible with the original purpose for which we collected the personal data as disclosed to you; and
- Comply with applicable law.
3. HOW WE SHARE YOUR PERSONAL DATA
We may share the personal data that we collect about you in the following ways:
- With service providers who perform data or Site-related services on our behalf (email, hosting, maintenance, backup, analysis, etc.);
- To service providers to prepare, deploy, and analyze advertising content;
- In connection with any legal proceedings or prospective legal proceedings;
- To establish, exercise, or defend our or a third party’s legal rights, including providing information to others for the purposes of fraud prevention;
- With any person who we reasonably believe may apply to a court or other competent authority for disclosure of that personal data where, in our reasonable opinion, such court or authority would be reasonably likely to order disclosure of that personal data;
- With any other person or entity as part of any business or asset sale, equity transaction, merger, acquisition, bankruptcy, liquidation, or similar proceeding, or in preparation for any of these events;
- With any other person or entity where you consent to the disclosure; and
- For any other purpose disclosed by us when you provide the personal data or for any other purpose we deem necessary, including to protect the health or safety of others.
4. COOKIES AND OTHER TRACKING TECHNOLOGIES
How We Use Cookies
Like many other companies, we use cookies and other tracking technologies (such as pixels and web beacons) (collectively, “Cookies”). “Cookies” are small files of information that are stored by your web browser software on your computer hard drive, mobile, or other devices (e.g., smartphones or tablets).
We use Cookies to:
- Estimate audience size and usage patterns;
- Advertise new content and services that relate to your interests;
- Keep track of advertisements and search engine results;
- Compile aggregate data about site traffic and site interactions to resolve issues and offer better site experiences and tools in the future; and
- Recognize when you return to the Site.
We set some Cookies ourselves and others are set by other entities. We use Cookies set by other entities to provide us with useful information to help us improve our Site and Services, to conduct advertising, and to analyze the effectiveness of advertising. For example, we use Cookies from Google and other similar companies.
How You Can Opt-Out of Cookies
Browser Settings
Cookies can be blocked by changing your Internet browser settings to refuse all or some Cookies. If you choose to block all Cookies (including essential Cookies) you may not be able to access all or parts of the Site.
You can find out more about Cookies and how to manage them by visiting www.AboutCookies.org or www.allaboutcookies.org.
Platform Controls
You can opt out of Cookies set by Google by following the instructions found here.
Advertising Industry Resources
You can understand which entities have currently enabled Cookies for your browser or mobile device and how to opt-out of some of those Cookies by accessing the Network Advertising Initiative’s website or the Digital Advertising Alliance’s website. For more information on mobile specific opt-out choices, visit the Network Advertising Initiative’s Mobile Choices website.
Please note that these opt-out mechanisms are specific to the device or browser on which they are exercised. Therefore, you will need to opt out on every browser and device that you use.
Google Analytics
We use Google Analytics, a web analytics service provided by Google, Inc. Google Analytics uses Cookies or other tracking technologies to help us analyze how users interact with the Site and Services, compile reports on their activity, and provide other services related to their activity and usage. The technologies used by Google may collect information such as your IP address, time of visit, whether you are a returning visitor, and any referring website. The information generated by Google Analytics will be transmitted to and stored by Google and will be subject to Google’s privacy policies. To learn more about Google’s partner services and to learn how to opt-out of tracking of analytics by Google, click here.
5. “DO NOT TRACK” SIGNALS
Some internet browsers incorporate a “Do Not Track” feature that signals to websites you visit that you do not want to have your online activity tracked. Given that there is not a uniform way that browsers communicate the “Do Not Track” signal, the Site does not currently interpret, respond to, or alter its practices when it receives “Do Not Track” signals.
6. CHOICES ABOUT YOUR PERSONAL DATA
Review and Request Changes to Your Personal Data
You may use your account to access, correct, or view certain personal data we have collected and which is associated with your account. To review or request changes to any of your personal data, please contact us at wnig.legal@wnins.com.
Marketing Communications
To unsubscribe from our marketing emails, please click the unsubscribe link included in the footer of our emails. You also may submit a request to us at wnig.legal@wnins.com.
7. SECURITY
We maintain commercially reasonable security measures to protect the personal data we collect and store from loss, misuse, destruction, or unauthorized access. However, no security measure or modality of data transmission over the Internet is 100% secure. Although we strive to use commercially acceptable means to protect your Personal data, we cannot guarantee absolute security.
8. THIRD PARTY LINKS
The Site and Services may contain links that will let you leave the Site and Services and access another website. Linked websites are not under our control. We accept no responsibility or liability for these other websites.
9. CHILDREN’S PRIVACY
The Site and Services are not intended for children under 13 years of age. We do not knowingly collect, use, or disclose personal information from children under 13.
10. NOTICE TO CALIFORNIA RESIDENTS
We do not disclose personal information obtained through our Site or Services to third parties for their direct marketing purposes. Accordingly, we have no obligations under California Civil Code § 1798.83.
11. HOW TO CONTACT US
If you have questions or concerns about our privacy policies or practices, please contact us at:
Western National Insurance
Edina Corporate Center
4700 West 77th Street
Edina, MN, 55435-4818
Phone: (800) 862-6070
Email: info@wnins.com
