Golden Bear Insurance Company (Golden Bear) values the users of this Website and the Producer Portal. We understand that you are concerned about privacy. We are committed to treating your information responsibly. Golden Bear has established the following policies to assure you that we are committed to protecting your privacy.
Through this Website and the Producer Portal, we may collect two types of information: "personal information" and "non-personal information." We define "personal information" as your name, age, telephone number, email address, personal address, health information, financial information, Social Security numbers, or credit card number. We do not collect personal information about you unless you choose to provide it to us voluntarily. If you encounter a screen or page that requests information you do not want to share with us, do not enter the information and do not proceed with that screen or page.
"Personal information" may be required for the use of certain services or to process certain transactions on this Website and the Producer Portal. Users who do not wish to provide the required information are free to decline to provide such information, but may not be able to take advantage of the specific service or engage in that sort of transaction online as a result.
How do we protect the confidentiality and security of our policyholders?
What personal information do we collect about you?
We collect personal information about insureds from the following sources:
- Applications and other forms submitted by producers. These documents may include an insured's name, address, age, phone number, Social Security number, assets, income, or beneficiaries;
- Transactions, such as electronic and hardcopy payment submissions, payment histories, premium amounts, policy coverages, motor vehicle records, underwriting and claim documents, or loss runs;
- Consumer reporting agencies, such as those which produce claim and/or credit histories.
Is any information collected to set up my Portal User Account?
Golden Bear may collect information, including your name, address, phone number, and e-mail address, which may personally identify you in connection with establishing and maintaining your user account. When you access the Producer Portal using a user identification and password, we may use the personal information associated with your user identification and password to identify you as a user and track your activities and production on this website.
How do we use the information about you?
We use the information you provide to us voluntarily to evaluate your submission details, to respond to you and any related agents and brokers, to underwrite insurance policies, process claims, and to bill and service your accounts. We may also use this information to provide you with other information, opportunities, or services that may be of interest to you. We may also use the information we collect to respond to e-mails, provide customer support, and other similar business purposes. Your information will be used to enable Golden Bear to better understand and serve your insurance needs.
Do we collect and use "non-personal information"?
You can decide if and how your computer will accept a cookie by configuring your preferences or options in your browser. You may change your browser settings to either reject cookies or notify you when a cookie is about to be placed on your computer. However, if you choose to reject cookies, you may not be able to use certain of our Website's features.
Golden Bear also collects IP addresses as part of our efforts to maintain and improve the Website. IP addresses are usually identified and logged automatically whenever a visitor accesses the website. The time of the visit and the page(s) visited may also be logged.In addition to the information we collect automatically, we also obtain "non-personal information" that you provide to us online; for example, when you use our tools and calculators or communicate with us through the Website.
In some cases, we automatically retain the cookie information and/or the information you provide to us online- for example, to complete a transaction you requested or to keep historical records of your past transactions. In other cases, for example, when you use our tools and calculators, we only retain the cookie information and/or information you provide if you request that we do so for your use in subsequent sessions.
What categories of information do we disclose and to whom?
We may disclose the following information to entities that perform marketing and administrative services on our behalf or to others, including governmental entities as required or permitted by law for legal or regulatory purposes, or if compelled by subpoena or court order:
- Information we receive from insureds or their representatives, such as the names of insureds, address, beneficiary, social security number, property locations and values.
- Information about your transactions with us or others such as your account balance, policy coverage, payment history, the premium you pay preferences, claims information, and the method of your purchase.
- If required for the products you select, information we receive from consumer reporting agencies and other sources, such as credit worthiness, motor vehicle and driver data, medical and employment information, loss history reports, and additional driver data.
How do we use this website?
This Website and Producer Portal were created to inform you of our products and services. We monitor the activity on this Website and the Producer Portal to understand the use of our products and the effectiveness of this medium of communication.
Some producers may decide to allow us and/or certain of our strategic business partners to contact them by e-mail or telephone to keep them updated on our business. If you give us permission to share your e-mail address or other information with our business partners, they may also contact you with a variety of offers that may be of interest to you.
We may gather information about your transactions with us and our affiliates and, as permitted by applicable law, may receive information from credit reporting bureaus and other third parties relating to your finances, such as your credit history.
Last Updated Date: August 5, 2015