privacy policy

• Name
• Email address
• Mailing address
• Date of birth
• Phone number
• Gender
• Account numbers
• Driver’s license number
•  Social Security number
• Employment history
• Education history
• Credit records
• Credit score
• Driving report (MVR)
• Loss reports (CLUE)
• Security questions and answers
• Other information you disclose when you ask us a question about our Website or our products and services.
• Technical information about your use of our site including IP address, device identifier, and viewing information
• Geo-location information telling us from where you are accessing the Website
• If you are an agent, we collect your username, agency number, and password.
• If you apply for a job, we also collect your resumé and other information to confirm your employment history and conduct background checks
• If you are an employee, also collect information related to your employment and your benefits

We may collect information from you or directly from minors in your household age 14 and older to process auto insurance coverage and claims.

Indirect Collection – Verification Services

When you apply for insurance coverage through Farmers Alliance, we use third-party services, consumer reporting agencies, and government records to verify the information you provide.  When you apply for a job with Farmers Alliance, we use third-party services and government records to conduct background checks and confirm your prior employment.  We may also contact your employer and references.

Indirect Collection – Cookies and Other Technology

As part of offering and providing customizable and personalized services, we use cookies and other online tracking technologies to store and sometimes track information about you.  We may use these technologies to:

• Provide you with personalized content based on your use of our site
• Enable you to more easily use our site by remembering and using contact information, purchasing information, and registration information
• Evaluate, monitor, and analyze the use of our site and its traffic patterns to help improve our site and services
• Assist us with ad reporting functions to learn which ads are bringing users to our Website

The types of technologies we use include:

Cookies.  A cookie is a small amount of data that is sent to your browser from a Web server and stored on your computer’s hard drive.  Cookies enable us to identify your browser as a unique user.  Cookies may involve the transmission of information from us to you and from you to us.  Cookies may also be used by another party on our behalf to transfer information to us in accordance with their privacy statement.  Some cookies are “persistent cookies.”  They are used by us each time you access our Website.  Other cookies are called “session cookies.”  Session cookies are used only during a specific browsing session.  We may use a session cookie, for example, to remember that you have already navigated through a particular menu, or that you have entered age information for a portion of a site that is restricted by age.  We may also use “analytics cookies” that allow web analytics services to recognize your browser or device and, for example, identify whether you have visited our Website before, what you have previously viewed or clicked on, and how you found us.  This information is provided anonymously for statistical analysis only.  Analytics cookies are usually persistent cookies.

Web Beacons.  We also employ a software technology called a clear GIF (Graphics Interchange Format), also known as a pixel tag or Web beacon.  A clear GIF is a line of code that we place on our Websites or in e-mails which allows us to analyze our advertising and the general usage patterns of visitors to our Websites.

Log Files.  Like most standard website servers, we use log files.  Log files track Internet protocol (IP) addresses, browser type, Internet service provider (ISP), referring/exit pages, platform type, date/time stamp, and number of clicks.  We utilize this information to analyze trends, administer the site, prevent fraud, track website navigation in the aggregate, and gather broad demographic information for aggregate use.

Social Networking.  The Website permits you to use a third-party social networking platform such as Facebook and Twitter. These plug-ins allow you to follow us on those services.   When you use social networking platforms and plugins, you share your information with them and their privacy notice applies to their disclosure of such information.  In addition, they may be able to collect information about you, including your activity, or may notify your connections on the social networking platform about your use of our Website.  Such services may allow your activity to be monitored across multiple websites to deliver more targeted advertising.  Please note that their privacy policies apply and we encourage you to read them.  We may add new social networking plugins and buttons to our Website from time to time.

Web Beacons.  It is not possible to disable Web beacons.

Log Files.  It is not possible to disable log files.

Social Networking.  If you do not want to share your information, you can choose not to use social networking plug-ins.

Marketing Emails.  To ensure that you will not receive recurring marketing or other information from us unless you choose to, we will provide you with simple instructions on each marketing email from us so you to let us know that you have chosen to stop receiving such emails from us.

Do Not Track.  Do Not Track (DNT) is a privacy preference that users can set in their web browsers.  While the United States Federal Trade Commission has endorsed DNT, our Website does not support DNT codes.

Google Analytics.  You may opt out of Google Analytics collection by downloading the browser plugin “Google Analytics Opt-out Browser Add-on here.

• We may use your personal information to:
• Answer questions you may have about our products and services
• Notify you of other products or services available from us and our affiliates
• Personalize online content so that it applies to you and your interests
• Provide you with advertising targeted to your interests
• Provide policyholder assistance
• Make our products, services, and Website better
• Compile, analyze, and do research on our users’ demographics and behavior
• Detect, investigate, and prevent activities that may violate our policies or be illegal
• We use and share location data only to provide and improve our products and services.
• We do not pass any individual’s consent to receive SMS from Farmers Alliance Mutual Insurance to any third party. We do not share phone numbers with third parties for the purpose of allowing those third parties to send SMS.

Service Providers
We occasionally hire other companies to provide limited services on our behalf, including packaging, delivering, or mailing, website development and operation, answering customer questions about products or services, sending postal mail or email, analyzing website use, processing payments, providing investor information and processing data.  We also use third party service providers to process job applications and perform human resource functions.  We will only provide those companies the information they need to deliver the service, and they are contractually prohibited from using that information for any other reason.

Data in the Aggregate
We may disclose “blinded” aggregated data and user statistics to prospective partners and other third parties.  Blinded data is data that does not identify an individual person.

Other
We also may disclose your information in special cases.  For example, when we believe that we must disclose information to identify, contact or bring legal action against someone who may be violating our Terms of Use, or may be causing injury to or interference with our rights or property, other website users or customers and their information, or anyone else who may be harmed by such activities.  We may disclose, access or monitor your personal information when we believe in good faith that the law requires it and for administrative and other purposes that we deem necessary to maintain, service and improve our products and services and our information security.

As we continue to develop our business, we may buy or sell businesses or assets.  In such transactions, confidential customer information generally is one of the transferred business assets.  In the event of a transaction involving the sale of some or all of our businesses, customer and site visitor information may be one of the transferred assets and may be disclosed in connection with negotiations relating to a proposed transaction.  In such case, the transferred information may become subject to a different privacy notice.

• Encryption and Transport Layer Security (TLS) – We use TLS encryption when transmitting personally identifiable information to our servers when you enter that information on a secure webpage on our Website, such as the “Create an Account” page.  An icon resembling a padlock is displayed in most browsers during TLS sessions or the URL for a secure page will begin with https://  Alerts and reminders sent to your mobile device are not encrypted. Personally identifiable information collected from secure webpages is encrypted in transit and in storage pursuant to industry standard and internal security protocols.
• Secure Storage – We deploy reasonable and appropriate industry standard physical, technical, and administrative safeguards to protect your personally identifiable information in storage.
• Confidentiality Agreements – To protect the security and privacy of your information, we utilize industry standard confidentiality agreements to require vendors, agents, partners, and other third parties to maintain the confidentiality of your information.
• Limit Employee Access – We limit access to your personally identifiable information to those employees who reasonably need access to such information in order to improve our services and process your information appropriately.
• Data Transfers we use security techniques such as data masking and encryption when we transfer personal information to customers, agents, service providers and other third parties.