Privacy Practices
Description of Information Practices
To make fair insurance decisions, we must gather accurate information. Your insurance application and data you provide on the Site are our primary source of information. In some cases, we may receive information from a consumer reporting agency that indicates your credit worthiness and credit history, as well as information regarding your driving record and claim history. The information contained in a report prepared for us by an outside agency may be kept by the agency and disclosed to others.
We will not release information about you to other persons or organizations without your authorization except in these instances: (1) to our employees, agents or affiliated companies only when necessary in the handling of your insurance; (2) to insurance support organizations established to control insurance crimes or fraud; (3) to organizations not affiliated with us when necessary to complete your insurance transactions; and (4) if we are required or permitted to do so by statute, regulation, subpoena, a court of law or law enforcement authorities.
If you feel we have inaccurate information about you, you may ask that it be corrected, amended or deleted. Please send your request in writing with proper identification to the above address. We’ll notify you of any action taken, or that we are unable to comply with your request. In that case, you can place a concise statement of what you believe to be correct information in our records. Your statement will be included in any subsequent disclosure of recorded information.
Consent
By using the Site, you consent to this privacy policy. If you do not consent to this privacy policy, please refrain from use of the Site. All information gathered from the Site will be stored and processed in the United States. If you access the Site from a location other than the United States, your use of the Site constitutes consent to the transfer of your information to the United States.
Children
The Site is not intended for children. Focus1 Insurance Group, Inc does not knowingly or specifically collect personal information from persons under 13 years of age. If Focus1 Insurance Group, Inc becomes aware that we have collected personal information from a person under 13 years of age, we will delete such information from our database. Focus1 Insurance Group, Inc does not authorize persons less than 13 years of age to use the Site or Focus1 Insurance Group, Inc products or services.
Collection of Information
Focus1 Insurance Group, Inc may collect personally identifiable information (such as your name, address, e-mail address, telephone number, Social Security Number, driver’s license number and credit card or bank information for online payments or purchases) from users at certain locations on the Site. Focus1 Insurance Group, Inc also collects non-personal and anonymous information from users to be used in an aggregate fashion. For example, Focus1 Insurance Group, Inc may collect system-related information, such as an IP address, browser type and operating system type to be used for system administration purposes, to help diagnose problems with our servers, to monitor traffic patterns, to determine which services are used most frequently and to assess site usage. Focus1 Insurance Group, Inc may retain information we gather about you indefinitely.
Links to Other Sites
The Site may contain links to other websites. Focus1 Insurance Group, Inc is not responsible for the privacy policies or practices, or the content of websites not owned by Focus1 Insurance Group, Inc that may link to or may be linked from the Site. We encourage you to review the privacy policies and terms and conditions of such websites so that you understand how those companies collect, use and share your information.
Disclosure of Information
Focus1 Insurance Group, Inc may disclose personally identifiable and aggregate anonymous information (information that is not personally identifiable) to companies and individuals hired to perform functions on our behalf. These companies and individuals may have access to your personal information to perform their functions.
Focus1 Insurance Group, Inc may also disclose personally identifiable information to regulatory and credit agencies as deemed appropriate by Focus1 Insurance Group, Inc for the purpose of providing services. For example, Focus1 Insurance Group, Inc may disclose personally identifiable information to a regulatory or credit agency to obtain credit or motor vehicle report(s).
If one of Focus1 Insurance Group, Inc’s business lines or the entire business, or a substantial portion thereof, is acquired or transferred, whether by merger, consolidation or purchase of a substantial portion of assets, Focus1 Insurance Group, Inc may disclose and transfer your personally identifiable information to such third party acquiring Focus1 Insurance Group, Inc. In addition, if Focus1 Insurance Group, Inc becomes the subject of a bankruptcy or insolvency proceeding, whether voluntary or involuntary, Focus1 Insurance Group, Inc or its trustee in bankruptcy may sell, assign, license or otherwise transfer such information in a transaction approved by the appropriate court. Focus1 Insurance Group, Inc may also disclose your personal information to third parties when we believe, in good faith and in our sole discretion, that such disclosure is reasonably necessary to (a) enforce or apply the Terms and Conditions of the Site; (b) comply with legal or regulatory requirements; (c) protect the rights, property or safety of Focus1 Insurance Group, Inc, our users or other third parties; or (d) prevent a crime or protect national security.
Focus1 Insurance Group, Inc may disclose aggregate anonymous information to its clients, business partners, merchants, advertisers, potential advertisers, investors, potential buyers and other third parties if Focus1 Insurance Group, Inc deems such disclosure, in its sole discretion, to have sound business reasons or justification.
When you access the Site through any co-branded websites or linked web pages, your personal information may be disclosed to and become the property of both Focus1 Insurance Group, Inc and the relevant co-sponsor. In that case, the use of your personally identifiable information by the co-sponsor company will be subject to the privacy policy of that company, and Focus1 Insurance Group, Inc is not responsible for nor subject to the co-sponsor’s policy regarding their use of your personally identifiable information. We encourage you to review the privacy policies and practices of any relevant co-sponsor before supplying any personal information.
Use of Information
Information gathered is used to operate and improve the Site and Focus1 Insurance Group, Inc’s services, to create a positive user experience, and to deliver information on various products and services we offer. We may also use information we gather to inform you of new products or services available or under consideration, technical issues, customer satisfaction surveys or account updates and related purposes.
If you desire to purchase an insurance policy from the Site, Focus1 Insurance Group, Inc may require you to provide your driver’s license number and/or Social Security Number for the purposes of verifying your identity in a commercially reasonable manner and setting the premiums associated with purchasing such a policy.
How to Review and Correct Information We Have About You
If you have questions about information we may have about you, we will release details on the nature of the information held in our records. Information contained in a report prepared by a reporting agency will be disclosed only through that agency. To get this information contact: Focus1 Insurance Group, Inc Insurance,720 E Jackson St, Medford, Oregon 97504. We’ll then send our inquiry form for you to complete and return to us.
Cookies
Focus1 Insurance Group, Inc uses “cookies” for the convenience of our users and to enhance your experience using the Site. A cookie is a small text file that is recorded either temporarily or persistently on your hard drive by a Web page server and is not used to deliver viruses or other harmful programs to your computer. By relying on cookies, Focus1 Insurance Group, Inc can deliver a more efficient service that is more personalized for each user. Additionally, cookies allow Focus1 Insurance Group, Inc to monitor traffic patterns, Site usage, and session information, such as items that you add to a shopping cart, which help make the Site more useful.
Why We Require Your E-mail Address
Your e-mail address serves the purpose of communication for important information regarding your application and policy. You will receive information from us regarding your online transactions. You may also receive marketing communication from us. These e-mail pieces will contain a link to opt-out of marketing communication should you choose.
Consent to Electronic Delivery of Policy Documents
Consent
You have the right to receive your billing statements, policy documents, certain legal disclosures, and other items listed below (together, the “Policy Documents”) in paper form from Focus1 Insurance Group, Inc, an Insurance Company or its affiliate or subsidiary (collectively referred to as “Focus1 Insurance Group, Inc”).
By agreeing to this Consent to Electronic Delivery of Policy Documents (“Electronic Delivery Consent”), you voluntarily agree to receive Policy Documents electronically for consumer insurance policies from Focus1 Insurance Group, Inc. You understand that by giving us your consent, you may no longer receive Policy Documents in paper form, and you accept any consequence of not reviewing the Policy Documents in a timely manner. Your consent will remain in effect until you provide a Withdrawal of Consent notice.
Items Covered by This Electronic Delivery Consent
We will provide electronic Policy Documents, if you provide us with a designated email address and satisfy the system requirements below. The Policy Documents we provide through electronic delivery, include—but are not limited to—your applications and forms, policy declarations, billing statements/cancellation notices, policy endorsements, notices of terms and condition, and other notices, including company notices and notices required by law. However, we reserve the right to provide Policy Documents in paper form at any time at our discretion, even if you have given us consent to provide them electronically. In Nevada, we will provide the documents you choose to receive through electronic delivery.
Methods of Providing Policy Documents
In this document, “provide” means to deliver, make available, send, or notify so that we may send the Policy Documents electronically through your Designated Email Address, including those in PDF format or image formats downloaded from our website. It is your responsibility to review Policy Documents promptly. You acknowledge that the Policy Documents will be deemed delivered by Focus1 Insurance Group, Inc, if we deliver the policy to the Designated Email Address. Focus1 Insurance Group, Inc does not charge fees for the electronic delivery of Policy Documents.
Designated Email Address
You agree to maintain a valid email address (“Designated Email Address”) and to continue to have access to the Internet. Further, you confirm that the email address you provide is your email address, and you want us to use it to provide Policy Documents electronically. You agree to maintain each Designated Email Address until you provide us with a new one by calling Customer Service at 541-772-3120.
System Requirements
To access and retain the Policy Documents, you must have a working email address and a computing or communications device with:
- Working Internet access
- One of the following web browsers: Internet Explorer 9 or higher, Firefox, Chrome, or Safari
- A program that can view, save, and print PDF files (such as Adobe® Reader® 4.0 or higher)
Access to Paper Copies
You can request paper copies of Policy Documents by calling Focus1 Insurance Group, Inc at 541-772-3120.
We retain copies of these Policy Documents for the time periods required by law and will provide you with copies of these documents at no cost upon request within those time periods. We do not necessarily retain copies for longer than is required by law. We recommend that you save or print copies of Policy Documents to ensure you have them.
Withdrawal of Consent
You may withdraw your consent for electronic delivery at any time by submitting notice of your request via your email to one of our Customer Service Representatives by email or calling 541-772-3120.
Withdrawing your consent will not affect the enforceability of any Policy Documents you have already received electronically or your obligation to make payments. You understand that it may take up to seven days to process a Withdrawal of Consent request. You may receive electronic notifications in the interim.
Modification of Consent Terms
We reserve the right to modify these terms and conditions at our discretion. We will provide you with notice of such modification(s) electronically in a manner consistent with the section entitled Methods of Providing Policy Documents. If you do not agree to the Consent Statement as modified, you must notify us of your Withdrawal of Consent before its effective date. We will tell you about the effective date in the notification. Failure to withdraw your Consent, or take any other required action as stated in the notification before the effective date, will confirm your continued agreement to the Electronic Document Consent as modified. Modifications to these terms will only affect our respective rights and obligations from the effective date of the modification(s) and thereafter or you withdraw your consent.
Security
Email notifications sent by Focus1 Insurance Group, Inc will not contain sensitive or confidential customer information. Due to security risks, you agree that you will not send any sensitive information, such as social security number, date of birth, or passwords, in an unencrypted email.
Consent and Representations
You have carefully read, fully understand, and agree to be bound by the conditions contained in this Electronic Delivery Consent. You also agree and understand that this choice also applies to any joint account holders and/or policyholders.
Security
Focus1 Insurance Group, Inc uses industry standard encryption technologies when transferring and receiving data exchanged through the Site. We also have security measures in place at our physical facilities to help protect against the loss, misuse or alteration of information that we have collected from you at the Site. Although we have implemented various measures to help protect your information, Focus1 Insurance Group, Inc does not guarantee the security of any information.
Privacy Policy Changes
Focus1 Insurance Group, Inc reserves the right to change the Policy at any time. Focus1 Insurance Group, Inc may modify the Policy to reflect changes in the way we collect, use or disclose information or to reflect changes in privacy laws, regulations and/or industry standards. We encourage you to review the Policy when accessing the Site. Continued use of the Site following changes indicates your acceptance of the changes.
Applicable Law
Documentation Notifications Terms and Conditions
You are enrolling in electronic document notifications for your insurance policy. By accepting, you agree to receive text and emails from us pertaining to your policies. You will receive information regarding your policies. Message and data rates may apply. Account holder authorizes charges to appear on wireless bill or be deducted from prepaid balance. To opt out of receiving future texts and emails from us, please contact Focus1 Insurance Group, Inc by email, text or call – 541-772-3120 to get a Customer Service Representative to handle your request. You can request paper copies of policy documents by calling Focus1 Insurance Group, Inc Insurance at 541-772-3120.
Electronic document notifications do not change the effective dates listed on any outstanding bill, non-renewal notice, expiration notice, or cancellation notice that you have received or may receive.
Applicable Law
The Policy shall be governed by the laws of the State of Oregon, without regard to conflicts of law principles, and exclusive jurisdiction and venue for any dispute arising out of the Policy shall be the state courts or district federal courts of Oregon.