Equipment

We understand how important safeguarding your personal and credit information is to you. At Acceptance, we value you as a customer and are committed to protecting your personal and credit information. This policy provides information regarding how we have collected, used, and shared your personal information within the last 12 months.

Restrictions on Use

Acceptance does not collect personally identifiable information from anyone unless the information is provided to us voluntarily and knowingly or we are otherwise permitted by law to obtain it. We may collect information, including personal and credit information, about you when you initiate a request to obtain an insurance quote, complete an application for one of our products, or use our website or one of our services.

Personal data or information means any information about an individual from which that person can be reasonably identified. It does not include data where the identity has been removed (anonymous data). Depending on your state of residence and the nature of the transaction, the types of information we may collect, use and store could include: your name, marital status, date of birth, the names and dates of birth of other members of your household, address, telephone, social security number, physical characteristics or description, insurance policy number, education, driving records, vehicle information, employment, credit history, bank information, lienholder information, medical info or health insurance info, race, national origin, religion, gender, sexual orientation, information about other insurance you have or have had, and/or your email address. We may also collect information about how you use our website or products and services and your interests and preferences in receiving marketing from us or select third parties.

Disclaimer of Warranty; Limitation of Liability"

We collect customer information in a number of different ways. For example, we gather information from applications and other forms related to the purchase and servicing of your insurance; other products you purchase from us; and your customer interactions with us related to items such as payments, underwriting and claims.

The company also gathers information when you use electronic sources such as our website, www.acceptance.com. You are not required to register or provide information to us on the website in order to view a large majority of our site. However, to obtain services from Acceptance or to access portions of our Website, you may be asked to provide personal information. We use your information to personalize your Web experience or to provide you with requested services. Acceptance will only use your information strictly in accordance with this Policy.

Acceptance may use "cookie" technology on our website. "Cookies" are small text files a website can use to recognize repeat users, facilitate the user's access to and use of the site and to track behavior of the Web pages you visit, among other uses. Our website may automatically collect cookies and other information, including, but not limited to, your domain name, and Acceptance may compile aggregate data for statistical purposes to improve content of our website or to better administer the web pages available on the Acceptance website. If you do not want information collected through the use of such technology, there is usually a simple procedure on most browsers that allows you to automatically decline many of them, or make the choice to accept or decline.

Acceptance's website may provide links to other companies or organizations of interest to you. Acceptance is not responsible for how they collect, use, disclose or secure the information you might provide them. If you choose to use such a link, you should read their privacy policies to learn how they use your information.

We may email requests to you to complete and support your transactions with us and to comply with the law. We may also send you emails to follow-up on coverage quotes, respond to your questions, and to provide you with information about your policy and other information we think you will find useful. We will not share your email address with third parties without your consent. In addition to email communications, we also offer account and claims updates via SMS (text message). If you elect to receive SMS alerts, additional charges from your cellular carrier may apply.

Personal information may also be shared by you on message boards, chat, profile pages, blogs or other forms of social media created by Acceptance. Please note that any information you elect to post or disclose through these services will become public information, and may be available to visitors who may access Acceptance Insurance social media forums, and to the general public. We encourage you to be very careful when deciding to disclose your personal information, or any other information, on the Acceptance Insurance social media platforms.

Monitoring

The personal information we collect helps us to underwrite and provide accurate insurance premium quotes; provide insurance claim services; offer other financial and consumer products and services that may be of interest to you; or to comply with state and/or federal laws and regulations.

Indemnification

We share personal information, including information about our transactions with you (such as payments), and experiences with you (such as a claim), within our Acceptance family of subsidiaries and affiliates and with Acceptance agents to help meet your product and service needs. We share customer information for our business purpose, and as permitted or required by law. We share customer information to handle your claim and with consumer reporting agencies. We share customer information in connection with a proposed or actual sale, merger, transfer or exchange of all or a portion of our business unit; with companies that perform marketing or other services on our behalf; and as needed to protect against fraud and unauthorized transactions and in connection with the investigation, establishment and defense of legal rights.

Our affiliated companies may share information about you with each other in order to provide you with products and services that best suit your needs.

To improve customer service, subject to applicable laws, we may also record and review conversations between you and customer support representatives,

Occasionally we may also share some of your personal information with non-affiliated third parties for administrative services on our behalf. These may include, for example, vendors performing business functions for us, organizations that help to protect against insurance fraud, billing or mail processing services, your agent or broker, and our reinsurers. These third parties contractually agree to safeguard and keep confidential your personal information as well as the products and services we provide you.

We may also share personal information with non-affiliated third parties with whom we have lead generation, promotional or advertising relationships, provided that we are not otherwise restricted from the sharing of information. On occasion, we may receive financial compensation associated with these relationships. If you do not want us to share your personal information with these companies submit a written, verifiable consumer request to us by writing us at First Acceptance Corporation, 3813 Green Hills Village Drive, Nashville, TN 37215, ATTN: Compliance Department, or calling us at 800-321-0899. You can also ask us or third parties to stop sending you marketing messages at any time by checking or unchecking relevant boxes to adjust your marketing preferences or by otherwise following the "unsubscribe" links on any marketing message sent to you.

Finally, we may provide your personal information to other non-affiliated third parties who have a legitimate need for the information. These may include, for example, investigators, actuarial consultants, reinsurers, governmental agencies, courts, and law enforcement authorities.

We do not share your personal information with non-affiliated third parties except as stated here or as required by law.

How We Protect Your Information

We maintain physical, electronic, and procedural safeguards to ensure your personal information is treated responsibly and to protect against theft, mishandling and loss in accordance with this Policy. We require our employees and data processors to respect the confidentiality of any personal information held by Acceptance. We restrict access to your personal information within our organization to those employees who need access to provide products or services to you.

No one, including Acceptance, can give absolute assurance that your information will be secure 100% of the time due to the nature of the internet. Acceptance uses appropriate commercially available anti-virus software to ensure that its website does not contain or carry viruses. However, due to the rapidly developing nature of viruses and the Internet we strongly recommend that you employ similar anti-virus software when accessing the Acceptance website. Additionally, our website may include links to third party websites, plug-ins and applications. Clicking on those links or enabling those connections may allow third parties to collect or share data about you. We do not control these third-party websites and are not responsible for their privacy statements. When you leave our website, we encourage you to read the privacy notice of every website you visit.

Managing Your Personal Information

You have the right to request that we disclose to you certain information about our collection and use of your personal information over the past 12 months. You also have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions. To exercise your access, portability and deletion rights, as described above, please submit a written verifiable consumer request to us by writing us at First Acceptance Corporation, 3813 Green Hills Village Drive, Nashville, TN 37215, ATTN: Compliance Department, or by calling us at 800-321-0899.

Only you, may make a written verifiable consumer request related to your personal information. You may also make a written verifiable consumer request on behalf of your minor child. You may only make a written verifiable consumer request for access or data portability twice within a 12-month period. The verifiable consumer request must:

1. Provide sufficient information that allows us to reasonably verify you are the person about whom we collected personal information or an authorized representative; and
2. Describe your request with sufficient detail that allows us to properly understand, evaluate and respond to it

We cannot respond to your request or provide you with personal information if we cannot verify your identity to make the request and confirm the personal information relates to you. Making a verifiable consumer request does not require you to create an account with us. We will only use personal information provided in a verifiable consumer request to verify the requestor's identity or authority to make the request.

Once we receive and confirm your verifiable consumer request, we can delete and/or direct our service providers to delete your personal information from our records, unless an exception applies. We may deny your deletion request if retaining the information is necessary for us or our service provider(s) to:

1. Complete the transaction for which we collected the personal information, provide a good or service that you requested, take actions reasonably anticipated within the context of our ongoing business relationship with you, fulfill the terms of a written warranty or product recall conducted in accordance with federal law, or otherwise perform our contract with you.
2. Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities.
3. Debug products to identify and repair errors that impair existing intended functionality.
4. Exercise free speech ensure the right of another consumer to exercise their free speech rights, or exercise another right provided for by law.
5. Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when the information's deletion may likely render impossible or seriously impair the research's achievement, if you previously provided informed consent.
6. Enable solely internal uses that are reasonably aligned with consumer expectations based on your relationship with us.
7. Comply with a legal obligation.
8. Make other internal and lawful uses of that information that are compatible with the context in which you provided it.

Response Timing and Format

We endeavor to respond to a verifiable consumer request within forty-five (45) days of its receipt. If we require more time (up to 90 days), we will inform you of the reason and extension period in writing.

Any disclosures we provide will only cover the 12-month period preceding the verifiable consumer request's receipt. The response we provide will also explain the reasons we cannot comply with a request, if applicable. For data portability requests, we will select a format to provide your personal information that is readily useable and should allow you to transmit the information from one entity to another entity without hindrance.

We will not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.

Non-Discrimination

We will not discriminate against you for exercising any of your rights, including deny you goods or services; charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties; provide you a different level or quality of goods or services; or suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services, unless permitted by law.