Privacy Policy

This is our “privacy notice” to you.  You have probably received similar notices from other insurance providers, banks and credit card companies.  You receive these types of notices because federal and state laws require your financial institutions to explain to you how they handle your “nonpublic personal information.”

“Nonpublic personal information” is personal information about you or your finances that you provide to us or we obtain when we do business with you.  This information is generally private and unavailable to the general public.

When we refer to “we” or “us” we mean Conifer Insurance Services, LLC and its parent or subsidiaries.

Conifer does not sell your information to anyone, we do not share your information with anyone but our own affiliates and the persons who provide services to us when we work for you and within our company.  We communicate the need to protect your information to those who may have access to it, and we’ve established physical, electronic, and procedural safeguards to protect your information.  We even protect your information after you are no longer our customer.

We may share information about you that is not publicly available.  We may share this information now or in the future.  We do this for several reasons: to serve you, to identify you as our customer or our former customer, to process your policy and requests quickly, to pay your claim and to develop products we believe you will want and use.  The information about you that we collect and where it comes from varies depending on how we are serving you.

Information from you – when submitting your application or requesting an insurance quote, you may give us information such as your name, address, telephone number, birth date, driver’s license number, and social security number.

Information about your transactions – we may keep information about our transactions with us, such as the products you purchase from us, the amount you paid for insurance, your account balances, or payment history.

From other outside sources – we may also collect other information.  This may include information from consumer reporting agencies such as your credit history, credit scores, driving record, employment, or we may ask a doctor for more information about our medical history.

We share your information with service providers who help us to help you

Sometimes we may share your information with a company or business that is not officially connected to us but who may do work on our behalf.  These service providers need access to your information to provide these operational or other support services.  Examples of the sorts of services that these companies may do are printing payment coupons, preparing or mailing account statements, processing customer transactions or software programming, claims adjusting or helping us market our own products.  To make sure that your information stays confidential and secure, these service providers must agree to safeguard your information the same way we do. 

We also share your information for other legal and routine business reasons 

The privacy laws permit us to disclose information we have about you in other situations.  We can disclose your information:   If you say we can or tell us to, to protect against insurance fraud or unauthorized transactions, to control the risk of our insurance transactions, to resolve a dispute between us or answer your questions, to persons who hold some legal or beneficial interest relating to you, to persons who are acting in a fiduciary or representative on your behalf, to industry and professional organizations that ask us for customer information in order to conduct research studies that never identify individuals, to Sstate guaranty funds or agencies, and our examiners, attorneys, accountants, and auditors, to a consumer reporting agency, or from a consumer report from a consumer reporting agency, to an actual or potential buyer or investor in some or all of this company, to comply with federal, state, or local laws, rules, and other applicable legal requirements, to comply with a civil, criminal, or regulatory investigation, subpoena, or summons by a governmental authority, to respond to a subpoena or to our regulators and/or if otherwise required by law.

Finally, if we do provide your information to any party outside our company we require them to abide by the same privacy standards as indicated here.

We do not share your information with anyone else

The insurance providers, banks and credit card companies with which you deal sometimes share your information with other banks, motor vehicle manufacturers or dealers, health clubs, travel agencies, car rental agencies, hotels, airlines, or publishers, so they can offer you their own financial or non-financial products and services.

We do not share your information with any such outside companies.

Conifer Insurance Services, LLC SMS Messaging Privacy Policy

Updated October 8, 2024

Conifer Insurance Services, LLC (“CIS”) is committed to protecting your privacy. This SMS Messaging Privacy Policy (“Policy”) governs how we collect and use information about you in relation to CIS’s text message marketing program(s) (the “Messaging Service”), which we make available to you through a third-party service provider.

By using the Messaging Service, you agree to the terms of this Policy. CIS reserves the right, in our sole discretion, to modify or change this Policy at any time with or without prior notice to you. The date of the last update will be posted at the top of this Policy for your convenience.

This Policy, and any changes, are effective as soon as posted and supersede any prior Policies. Your continued use of the Messaging Service following the posting of any changes to the Policy constitutes your full acceptance of those changes.

SMS Messaging Privacy Policy

When you receive SMS communications from us, we collect and manage your personal information in accordance with this policy.

1. Information Collection:
   This information is used solely to communicate and send you the messages you have requested.
2. Information Usage:
   The phone numbers provided will be used to send information related to your insurance policies, claims, account updates, or any other communication relevant to our services.
3. Information Sharing:
   Conifer Insurance Services LLC does not share your phone number or any personal information collected for SMS communications with third parties or affiliates.
4. Security:
   We take steps to secure your information and protect it from unauthorized access.

Protection of Information

CIS takes a variety of physical, technical, administrative, and organizational security measures based on the sensitivity of the information we collect to protect your Personal Information against accidental or unlawful destruction or accidental loss, alteration, unauthorized disclosure or access. Unfortunately, no online activity can be guaranteed to be 100% secure.

You should note that in using the Messaging Service, your information will travel through third-party infrastructures which are not under our control (such as a third-party provider’s SMS delivery platform or your carrier network). While we strive to protect your information against unauthorized use or disclosure, we cannot ensure or warrant the security of any information you provide. By using the Messaging Service, you agree that CIS is not liable for any unintentional disclosure.

Children and Intended Audience

The Messaging Service is not intended for children under 18, and CIS does not knowingly collect information from children under the age of 18.

Children aged 17 or older should not submit any Personal Information without the permission of their parents or guardians. By using the Messaging Service, you are representing that you are at least 18 years old.

CIS requires that users of the Messaging Service be limited to US residents only.

Retention of Information

We retain your Personal Information for as long as you participate in the Messaging Service or as needed to comply with applicable legal obligations. We will also retain and use your Personal Information as necessary to resolve disputes, protect us and our customers, and enforce our agreements.

Main Privacy Policy and Terms of Use

By signing up to receive text messages from CIS, you also agree to our main Privacy Policy and Use of Terms below.

SMS Terms and Conditions

Updated October 8, 2024

PLEASE READ THESE CONIFER INSURANCE SERVICES SMS TERMS AND CONDITIONS (“TERMS”) CAREFULLY BEFORE SIGNING UP FOR THE CONIFER INSURANCE SERVICES INFO TEXT MESSAGING PROGRAM. BY SIGNING UP FOR THIS TEXT MESSAGING PROGRAM, YOU AGREE TO ABIDE BY AND BE BOUND TO THESE TERMS AND YOU EXPRESSLY CONSENT TO RECEIVING MARKETING OR NON-MARKETING TEXT MESSAGES, AS THE CASE MAY BE FROM CONIFER INSURANCE SERVICES, LLC AND OTHER TEXTING ON BEHALF OF CIS, INCLUDING TEXT MESSAGES MADE WITH AN AUTOMATIC TELEPHONE DIALING SYSTEM (“AUTODIALER”), AT THE TELEPHONE NUMBERS(s) YOU PROVIDE.

1. Message Frequency:
   You may receive a limited number of messages from Conifer Insurance Services LLC, which may include account notifications, claim updates, or promotional offers.
2. Cost:
   Message and data rates may apply depending on your mobile carrier and plan. Conifer Insurance Services LLC is not responsible for any charges you incur for receiving SMS messages.
3. Privacy:
   Your privacy is important to us. Please review our SMS Privacy Policy for more information on how your data is collected, used, and protected.

Consent to receive marketing text messages is not required as a condition of purchasing any goods or services. Message frequency may vary.

Program Description

As indicated above, CIS, through third-party service providers, may use an autodialer to deliver text messages to you. CIS text messages are intended to provide you with marketing and promotional information regarding CIS insurance products and other information about the CIS.

Cost

You represent that you are the account holder for the mobile telephone number(s) that you enroll. You are responsible for notifying CIS immediately if you change your mobile telephone number.

You agree to indemnify CIS in full for all claims, expenses, and damages related to or caused in whole or in part by your failure to notify CIS if you change your telephone number including, but not limited to, all claims, expenses, and damages related to or arising under the Telephone Consumer Protection Act.

Access or Delivery to Mobile Network is Not Guaranteed

It is your responsibility to determine if your mobile carrier supports text messaging and if your mobile device is capable of receiving text messages. Your receipt of CIS text messages is subject to the terms and conditions of your agreement(s) with your mobile carrier.

Delivery of information and content to a mobile device may fail due to a variety of circumstances or conditions. You understand and acknowledge that network services, including but not limited to mobile network services, are outside of CIS’ control, and CIS is not responsible or liable for issues arising from such network services (e.g., delayed or undelivered messages or the security of any messages).

Changes in SMS Terms and Conditions

We may modify these Terms from time to time with or without notice to you. Unless we indicate otherwise, modifications will be effective as of the date they are posted on this page or any successor page and supersede any prior Terms. You should look at the Terms regularly.

We take your privacy seriously. Please review our SMS Messaging Privacy Policy and our general Privacy policy found on our website.

If you have any questions concerning this notice, please contact the Conifer Insurance Services, LLC, 3001 W. Big Beaver Road, Suite 200, Troy, MI 48048 or visit our website at www.coniferinsurance.com