Privacy

Privacy.

CREST INSURANCE PRIVACY POLICY. Last updated April 4, 2023.

Crest Insurance Group ("Crest") respects your privacy and is committed to protecting it through compliance with this policy. This policy applies to the information Crest collects from you or that you may provide when you visit this website or other online services ("Site"), and to our practices for collecting, using, maintaining, protecting and disclosing that information, including in email, text and other electronic messages between you and this Site.

Please read this policy carefully. If you do not agree with our policies and practices, your choice is not to use this Site. By accessing or using this Site, you agree and consent to this privacy policy. This policy may change from time to time; your continued use of the Site after we make changes is deemed acceptance of those changes.

Information relating specifically to the California Consumer Privacy Act of 2018 (CCPA) is set out separately — see the CCPA notice linked in the footer.

Collection of Personal Information. Crest may collect and disclose non-public information from you, from persons other than the individual(s) proposed for coverage, and from former customers, including personal information and personal financial information about you and other individuals proposed for coverage. Personal Information does not include information that is publicly available from government sources or information that is deidentified or aggregated. The categories we may collect, and whether we sell or disclose each: identifiers (name, postal and email address, telephone number, Social Security number, financial information, driver's licence number, date of birth) — collected and disclosed, never sold. Protected classification characteristics (age 40+, race, colour, ancestry, national origin, citizenship, religion, marital status, medical condition, disability, sex, gender identity, pregnancy, sexual orientation, veteran or military status, genetic information) — collected and disclosed, never sold. Commercial information (records of property, products or services purchased or considered, purchasing histories) — collected and disclosed, never sold. Biometric information (fingerprints, faceprints, voiceprints, iris or retina scans, keystroke or gait patterns, sleep, health or exercise data) — not collected, not sold, not disclosed. Internet or network activity (browsing history, search history, site interaction, device type, IP address, pages visited, time on page) — collected and disclosed, never sold. Geolocation data — not collected, not sold, not disclosed. Sensory data (audio, visual, thermal or similar information) — collected and disclosed, never sold. Professional or employment-related information — collected and disclosed, never sold. Non-public education information (per FERPA) — not collected, not sold, not disclosed. Inferences drawn from other personal information — not collected, not sold, not disclosed.

The Personal Information we may collect about you may come from you directly — when you request a quote, apply for coverage, complete forms or records, transact insurance business with us or our affiliates, provide claims information, or interact with us on social media — as well as from consumer reporting agencies and from your use of this Site.

Use of Personal Information. Crest does not sell your Personal Information. We may use it to: fulfil the reason you provided it; provide support and respond to inquiries; underwrite, sell, solicit and negotiate insurance products; contact you about your account, payments, renewals or endorsements; provide a requested quote or connect you with a third-party vendor's goods or services; determine eligibility and process applications; tell you about products and services we offer; communicate, create, service, secure and bill accounts; obtain and update insurance or credit information with third parties such as credit reporting agencies; monitor and administer accounts; process transactions and prevent fraud; fulfil contractual and legal obligations; provide, support, personalise and improve this Site and our services; and help maintain the safety and security of our systems.

Sharing of Personal Information. We may share the categories above with: insurance companies; our affiliates; other insurance institutions and industry support organisations, including reinsurers and fraud-detection organisations; medical care institutions, professionals and healthcare providers, to verify coverage or audit services; government agencies, including law enforcement and insurance regulators; any third party on your or your agent's written authorisation, or as otherwise permitted or required by law; in response to a valid administrative or court order, including a search warrant or subpoena; a group policyholder, for claims reporting or an operations audit; service providers; data aggregators and analytics providers; and a prospective buyer in connection with a potential business transfer.

Your Privacy Rights. You have the right to request and gain access to your own Personal Information, and to information on how it has been used, by submitting a written request that reasonably describes what you're seeking; we may charge a reasonable fee to cover the cost of providing a copy. You have the right to request that we correct, amend or delete recorded Personal Information you believe is inaccurate. These rights are subject to exceptions and limitations, including information that is legally privileged, relates to your own insurance claim or a civil or criminal proceeding, or must be retained for legal, regulatory or business purposes. Under certain state laws you also have the right to opt out of the disclosure of your non-public personal financial information to non-affiliated third parties, by calling 1-888-881-5765 or emailing info@crestins.com within thirty (30) days of the date of the applicable notice.

Cookies. This Site uses cookies to help improve access, identify repeat visitors, and carry forward information you enter during an enrolment process. You can switch cookies off in your browser settings, though doing so may reduce the Site's functionality. More information on cookies is available at AllAboutCookies.org, a third-party site we are not responsible for.

Security. We employ commercially reasonable security methods and technologies to help protect the Personal Information we collect and store from loss, misuse, unauthorised access, disclosure, alteration and destruction, including authorising non-affiliated third parties to provide security services. No method of storage or transmission can eliminate risk entirely.

Links to Other Sites. This Site may link to websites we do not control or operate. We are not responsible for the content, privacy practices or policies of any linked third-party site.

Changes to This Privacy Policy. We may change this policy from time to time without advance notice. Material changes will be posted on this Site, and are effective immediately on posting unless stated otherwise. Continued use of the Site after a change constitutes acceptance of it.