Effective January 1,2020
We strive to protect your privacy. This notice applies to you if you are a California resident and are contacting us to learn about our products, to buy insurance for yourself (for example, renters insurance), or if you are filing a claim against a policy. In this notice, we explain how we gather, use, share, and protect your data.
What Personal Data Do We Collect?
The types of personal data we gather and share depends on both the product and your relationship to us. For example, we may gather different data if you are a claimant reporting an injury than if you want a quote for renters insurance. The data we gather can include your social security number, income, transaction data such as account balances and payment history, and data from consumer reports. It may also include data gathered in connection with our provision of insurance services, when you apply for such services, or resulting from other contacts with you. It may also include:
How Do You Gather my Data?
1. We gather your personal data directly from you. For example, you provide us with data when you:
2. We also gather your personal data from other people. For example:
How Do We Use Your Personal Data?
We use your data to provide you our products and services and as otherwise provided in this notice. We may use your data and the data of our former customers for our business purposes. Our business purposes include:
|Business Purpose||Data Categories|
Market, sell and provide insurance. This includes for example:
Manage your claim. This includes for example:
Day to Day Business and Insurance Operations. This includes, for example:
Security and Fraud Detection. This includes for example:
Regulatory and Legal Requirements. This includes for example:
Improve Your Customer Experience and Our Products. This includes for example:
Analytics to identify, understand and manage our risks and products. This includes for example:
Customer service and technical support:
Do We Share Your Personal Data?
We do not sell your personal data as defined by California law.
We may share personal data with affiliated and non-affiliated third parties, including:
We may also share data with other companies that provide marketing services on our behalf or as part of a joint marketing agreement for products offered by us. We will not share your personal data with others for their own marketing purposes.
We may also share data about our transactions (such as payment history) and experiences (such as claims made) with you to our affiliates.
We may share the following categories of personal data as needed for business purposes:
Your Agent or Broker
Contact your agent or broker to learn more about their privacy practices.
How Do We Keep your Personal Data Safe?
We maintain physical, electronic, and administrative safeguards created to protect your data from unauthorized access. Our employees are authorized to access your data only for legitimate business purposes.
What Rights Do I Have to Learn More About My Personal Data?
You may have rights under California laws to learn more about our privacy practices.
For example, under the California Insurance Code you may request a copy of certain information about you to review its completeness and accuracy. You must make this request in writing by contacting us as indicated below. We have 30 business days after receiving your request to send the data to you.
To the extent required by law, we will also tell you of any persons to whom we have shared the data in the last two years. We will also share the name and address of any consumer reporting agency from which we have received information about you. Some data we are not required to share.
If you believe the data we have about you is incorrect, you may notify us in writing of what you would like to correct and why. We will respond within 30 business days.
If we agree, we will change our records. We will send the change to any organization that has received the inaccurate information from us. It will also be included in any later disclosures to others.
If we disagree, we will tell you why. You can write us with a short statement explaining why you believe that the data is incorrect. This will become part of the file. We will also send it to any persons that have received the disputed information from us. It will also be included in any later disclosures to others.
You may have additional rights under other California laws. For more information about these rights, please go to the California Supplemental Privacy Notice. If you cannot access the link, please contact us.
How to Contact Us:
You can submit requests, seek additional information, or obtain a copy of our privacy notice in an alternative format by either:
8821 Davis Blvd, Suite 500
Keller, TX 76248
Who is Providing this Notice?
This Privacy Notice is provided on behalf of the following MSI and affiliates:
You may not use the Website for commercial, political, or inappropriate purposes. By using the Website, you will not obtain any ownership or intellectual property or other interest in it or any virtual or other items that may be used in connection with it. You should not use any portion of this Website, or any property in the source code of our website, or in any other printed or electronic materials, including but not limited to materials of the Website and any and all copyrightable material, including but not limited to trademarks, intellectual property, source and object code. You should not modify, publish, copy, upload, reproduce or otherwise use any of this Website's content or frame this Website within any other Website without our prior written permission. Unauthorized use of any content on our site may result in your personal liability, including potential criminal liability.
We do not have any confidential, fiduciary or any other special relationship by virtue of your use of the website. We provide the website to you on an “as is” basis, without any warranty of any kind. Information on this website is intended for general information and does not constitute legal, professional or accounting advice of any kind. These terms are intended to govern the use of the website and do not include all of the terms or conditions related to any specific products or services we may provide. Legal rights vary by state and may also apply. Any state specific disclosures may be included in a state specific insurance application or policy, if so required. In no event will we be liable to any party, whether it be direct, indirect, incidental, special or other damages or otherwise, whether in contract (including fundamental breach) tort (including negligence) or otherwise, for any use of our website. Including, without limitation, any lost profits, business interruption, loss of programs or data, even if we are expressly advised of the possibility of such damages. Certain links within this website may take you to a site not under our control. We are not responsible for any content on any linked site.
In order to access or use some (or potentially all) of the features of the Website, you may have to become a registered user of the Website (or a portion of it). The Website’s practices governing any resulting collection and use of your personal information are disclosed in its Privacy Statement. Your decision to provide this information is purely voluntary and optional; however, if you elect not to provide it, then you may not be able to access certain Content or participate in certain features of the Website or products or services. If you register for any feature that requires a password and/or username, then we may send you an email notification with a randomly generated initial password and you will be required to create your own password the first time you log in. Temporary passwords may be disabled after a period of time determined by us. You agree that:
a. You will not use a username (or e-mail address) that is already being used by someone else, may impersonate another person, belongs to another person, violates the intellectual property or other right of any person or entity, or is offensive. You will not use a false or invalid email address to create an account. If you do not have an email address and wish to purchase a policy from us, which may require paperless processing, you agree to create an account with us to access any documents electronically.
b. You must keep your email address current and any notice sent by us to an email address that you have provided to us or your agent will be considered effective notice.
c. You will provide accurate, current, and complete registration information about yourself in connection with the registration process and, as permitted, to maintain and update it continuously and promptly to keep it accurate, current, and complete for as long as you use the features to which the registration relates.
d. You are solely responsible for all activities that occur under your account, password, and username, whether or not you authorize the activity (except to the extent that activities occur because someone gains access to our system without using your identifiers and password).
e. You are solely responsible for maintaining the confidentiality of your password and for restricting access to your Internet Device so that others may not access any password protected portion of the Website using your name, username, or password. You will immediately notify us of any unauthorized use of your account, password, or username, or any other breach of security. You will not sell, transfer, or assign your account or any account rights.
We will not be liable for any loss or damage to you or any third party arising from your inability or failure for any reason to comply with any of the foregoing obligations. If any information that you provide, or if we have reasonable grounds to suspect that any information that you provide, is false, inaccurate, outdated, incomplete, or violates this User Agreement, any Additional Terms, or any legal requirement or law, then we may suspend or terminate your account. We also reserve the more general and broad right to terminate your account or suspend or otherwise deny you access to it or its benefits – all in our sole discretion, for any reason, and without advance notice or liability.
If any controversy, allegation, or claim arises out of or relates to the Website, or to any of Millennial Specialty Insurance LLC’s actual or alleged intellectual property rights, then you and we agree to send a written notice to the other providing a reasonable description of the Dispute, along with a proposed resolution of it. Our notice to you will be sent to you based on the most recent contact information that you provide us. But if no such information exists or if such information is not current, then we have no obligation under this Section. Your notice to us must be sent to: Millennial Specialty Insurance LLC, 8821 Davis Blvd, Suite 500, Keller, TX 76248, U.S.A., and Attention: General Counsel. For a period of 60 days from the date of receipt of notice from the other party, we and you will engage in a dialogue in order to attempt to resolve the Dispute, though nothing will require either you or us to resolve the Dispute or Excluded Dispute on terms with respect to which you and we, in each party’s sole discretion, are not comfortable.
By consenting to receive communications from Millennial Specialty Insurance LLC, electronically, through your agent, you are agreeing that documents and official notices which you are required to receive may be sent to you electronically rather than in paper form. You agree that these paperless communications are the legal equivalent of officially required communications relating to your policy which you would otherwise receive in paper form. These communications may include, but are not limited to, policy declarations, policy forms, endorsements, related forms, insurance identification cards, billing statements, installment schedules, legally required notices, and other official correspondence.
YOU AGREE TO RECEIVE ALL MAILINGS AND COMMUNICATIONS ELECTRONICALLY, SUCH ELECTRONIC MAILING OR COMMUNICATIONS MAY EVEN INCLUDE CANCELATION OR NON-RENEWAL NOTICES. This consent will apply to all policies issued to you through your agent. You agree to provide your agent with your current email address so your agent can send you notices and other documents via email or notify you that documents are available for your review. If you do not have an email address, a username and password will be provided to you for online access to your account and policy documents. You also agree to update your account and notify your agent of any change in your email address. Please note that your agent may deliver certain documents via U.S. Mail due to legal requirements and/or system limitations. You may request a paper copy of any official notice sent to you, or of your policy documents. There is no fee to request such copies from your agent. You may request to opt out of paperless processing by writing to us at Millennial Specialty Insurance, 8821 Davis Blvd, Suite 500, Keller, TX 76248 or by calling 844-788-0873.
SYSTEM REQUIREMENTS: You acknowledge and agree that you have sufficient access to a privately owned computer and email system (as opposed to one with limited access, such as those housed in public libraries) that will: permit you to access, view, and print the communications your agent will send; permit you to receive emails that contain hyperlinks to websites; and permit you to access websites. The following system requirements are necessary for you to receive and view these communications: You must have Adobe Reader version 8.0 or later or a similar PDF reader. Download the current version of Adobe Reader from the Adobe website at www.adobe.com. Online documents are supported on the current versions of Firefox , Google Chrome, Safari, and Microsoft Internet Explorer version 10 and later.
If you establish an account with us, your payment through our payment gateway service binds you to our payment terms, which may include recurring payments, fees and premiums that will draft from your account or bill your credit card, debit card or checking account. The first payment made by you constitutes the agreement to the payment terms on your account and authorizes us to bill you according to those terms. As the user of our billing service, you will have submitted your banking account or credit card or debit card account information. You are responsible for any legal, regulatory, or banking penalties and fees that may be assessed for supplying false information. You agree that you are the authorized signer for the account. By providing us with the account information, you authorize us to process payments on your account for products or services provided to you. We will process any payment as close as reasonably possible to the date indicated in your payment schedule, provided to you at time of purchase. If your payment is received by us after the due date, with no exceptions, including the payment service being temporarily unavailable, you agree that you may be subject to additional fees and charges and you may have your policy or service canceled. Any payment or installment attempt on your account that is returned from the bank for any reason, may be charged additional returned item fee(s), which will be added to the original amount and auto-debited from your account. Your bank or card holder may also charge you additional fees. If you cancel your policy, your payments are subject to a refund. If prior to the policy effective date, you are subject to a full refund, less earned policy fee in some states. If your cancellation effective date is after your policy effective date, any refund is prorated based on the days coverage was provided and fees earned. Billing installment fees are non-refundable. We reserve the right to cancel your policy for non-payment and may reserve the right to not accept payment to reinstate for repeated non-payments or returned payments. You will be liable for any return check fees and late payment penalties. Acceptance of a payment does not ensure that policies cancelled for non-payment will be reinstated. You authorize us to initiate transactions, including all fees, to your transaction account number (including checking and savings accounts) and/or charges to your credit or debit card. We make every effort to comply with all payment processing rules and regulations. If you believe you have been charged a fee or payment in error, please contact your agent or visit our contact us page for information on inquiries. We reserve the right to refuse processing service to you at any time for any reason. You may also discontinue use of the Payment Gateway at any time for any reason. IT IS YOUR RESPONSIBILITY to delete your account for recurring payments to be discontinued, otherwise charges will continue to be assessed to your billing account during the period designated for recurring payments to take place. You agree to indemnify and hold us harmless for any recurring payments that are charged by accident or because you failed to cancel your recurring payment. You can cancel your service by calling your agent or us. Contact your agent with any questions you may have regarding your account. The following additional fees may apply: Returned NSF Check - $10.00 ($15.00 in FL), Reinstatement/Lapse - $5.00. Some conditions, exclusions, limitations and/or restrictions may apply. Please refer to your policy for a detailed description of the coverages and limits. You understand that we will not send you a bill before any scheduled deductions are made and that it is your responsibility to make sure that there are sufficient funds in this account at the time of each deduction. You also understand that the policy may cancel or expire if there are insufficient funds in the account.
*Woodridge Insurance Company, Spinnaker Insurance Company, NAIC # 24376, (C.A. # 4394-3), 1 Pluckemin Way, Suite 102, Bedminster, NJ 07921, State of Domicile: IL
Cypress Property and Casualty Insurance Company, NAIC # 10953, PO Box 44221, Jacksonville, FL 32231, State of Domicile: FL
*Century-National Insurance Company, NAIC # 26905 (C.A. # 1509-9), PO Box 3999, North Hollywood, CA 91609, State of Domicile: CA
Fortegra, 39500 High Pointe Blvd, Suite 250, Novi, MI 48375
* Companies maintaining a Certificate of Authority to transact insurance in California. The Certificate of Authority number (C.A. #) appears after the company name.