Last Revised: June 21, 2024
Your right to privacy is very important to Baltimore Equitable Society for Insuring Houses for Loss by Fire, herein referred to “Baltimore Equitable Insurance”, “Baltimore Equitable”, “Company”, “we’, “us” or “our” This policy should be read in conjunction with our Internet Terms of Use.
This Policy describes:
• The types of information we collect from you or that you may provide when you visit our website available at: https://baltimoreequitableinsurance.com as well as any websites owned by Baltimore Equitable Insurance, including any content, functionality and services offered on or through the websites (collectively, our “Website” or “Websites”).
• Our practices for collecting, using, maintaining, protecting, and disclosing that information.
This Policy applies to information we collect on the Websites or in emails and other electronic messages between you and the Websites, and information gathered when you interact with our advertising on third-party websites if such advertisements include links to this Policy.
This Policy does not apply to information collected by us offline or through any other means, including on any other website operated by any third party, or information collected by any third party through any application or content (including advertising) that may link to or be accessible from the Websites (for further information, see below, “Third-party Websites”).
To the extent that we obtain your nonpublic personal information (“NPI”) from you as a member or policyholder through our Websites, our use and disclosure of this nonpublic personal information is governed by our Privacy Policy. Please review our Privacy Policy for our nonpublic personal information practices.
Please read this Policy carefully to understand our practices regarding your information and how we will treat it. If you do not agree with our policies and practices, then please do not use our Websites. By using our Websites, you agree to the terms of this Policy. This Policy may change from time to time (see below, “Changes to this Policy”). Your continued use of our Websites after we make changes is deemed to be acceptance of those changes, so please check the Policy periodically for updates.
What We Collect and How We Collect It
To ensure that we provide you with the best possible experience, we will store, use, and share information about you in accordance with this Policy.
Information You Provide to Us
Personal Information is any information that can be used to individually identify you from a larger group, such as data including, but not limited to, your:
• first and last name;
• email address;
• telephone number;
• mailing address;
• credit card number (including Paypal or Venmo account information);
• banking information;
• resume (including education, certifications, and work experience); and
• policy number.
You may provide us Personal Information when you:
• Contact us;
• Request information.
The amount of Personal Information gathered by us varies depending on the information you provide, which may vary in each case. In some cases, you may be able to provide Personal Information via email, such as contacting the Company to request further information. When providing your Personal Information, please provide only relevant information and do not provide unnecessary sensitive information, such as Social Security numbers, credit card information or other sensitive personal data. Additionally, we may ask you to create a username and password that should only be known to you.
Automated Information Collection
In addition to the information that you provide to us, we may also collect information about you during your visit to our Websites. We collect this information using automated tools that are detailed below. These tools may collect information about your behavior and your computer system, such as your internet address (IP Address), the pages you have viewed, and
the actions you have taken while using the Websites.
• Web Beacons. A Web Beacon is an electronic image. Web Beacons can track certain things from your computer and can report activity back to a web server allowing us to understand some of your behavior. If you choose to receive emails from us, we may use Web Beacons to track your reaction to our emails. We may also use them to track if you click on the links and at what time and date you do so. Some of the third-party marketers we engage with may use Web Beacons to track your interaction with online advertising banners on our Websites. This information is only collected in aggregate form and will not be linked to your Personal Information. Please note that any image file on a webpage can act as a Web Beacon.
• Embedded Web Links. Links provided in our emails and, in some cases, on third-party websites may include tracking technology embedded in the link. The tracking is accomplished through a redirection system. The redirection system allows us to understand how the link is being used by email recipients. Some of these links will enable us to identify that you have personally clicked on the link and this may be attached to the Personal Information that we hold about you. This data is used to improve our service to you and to help us understand the performance of our marketing
campaigns.
• Third-party Websites and Services. We work with a number of service providers of marketing communications technology. These service providers may use various data collection methods to improve the performance of the marketing campaigns we are contracting them to provide. The information collected can be gathered on our Website and also on the websites where our marketing communications are appearing. For example, we may collect data where our banner advertisements are displayed on third-party websites.
Your Choices and Selecting Your Privacy Preferences
We want to provide you with relevant information that you have requested.
If we provide subscription-based services, such as email newsletters, we will allow you to make choices about what information you provide at the point of information collection or at any time after you have received a communication from us while you are subscribed. Transactional or service-oriented messages are usually excluded from such preferences, as such messages are required to respond to your requests or to provide goods and services and are not intended for the purposes of marketing.
We will not intentionally send you email newsletters and marketing emails unless you consent to receive such marketing information. After you request to receive these emails, you may opt out of them at any time by selecting the “unsubscribe” link at the bottom of each email. Please note that by opting out or unsubscribing you may affect other services you have requested we provide to you, in which email communication is a requirement of the service provided.
Text Messaging. In using the Website or doing business with us, you may have the opportunity to receive SMS or “text” messages, pre-recorded voice messages or auto-dialed phone calls from the Company, its affiliates and related entities as well as third parties. Such messaging may be used to authenticate your identity or mobile device, as well as provide you informational updates about services or products you may have requested. In providing your mobile device number or cell phone number to the Company, you knowingly consent to such communications from the Company or for the Company to use your cell phone number or mobile device number in accordance with the Company’s Internet Terms of Use. In providing your number, you represent that you have the authority to agree to receive text messages at the telephone number that you provide to the Company, or from which you sent the text message request to us. You further acknowledge that no purchase is required to opt into this service, and you may opt out at any time by following the instructions below.
Any such communications you receive from us will be administered in accordance with your preferences and this Policy.
Accuracy and Access to Your Personal Information
We strive to maintain and process your information accurately. We have processes in place to maintain all of our information in accordance with relevant data governance frameworks and legal requirements. We employ technologies designed to help us maintain information accuracy on input and processing.
Where we can provide you access to your Personal Information in our possession, we will always ask you for a username and password to help protect your privacy and security. We recommend that you keep your password safe, that you change it periodically, and that you do not disclose it to any other person or allow any other person to use it.
Should you have an account, you may view and change the Personal Information that you have provided to us, you can log in to your account and follow the instructions on that webpage or contact us directly for assistance.
Information of Minors
We do not intentionally seek to gather information from individuals under the age of thirteen (13). We do not target the Websites to minors and would not expect them to be engaging with our Websites or services. We encourage parents and guardians to provide adequate protection measures to prevent minors from providing information unwillingly on the internet. If we are aware of any Personal Information that we have collected about minors, we will take steps to securely remove it from our systems.
How We Use Your Information
The information we gather and that you provide is collected to provide you information and the services you request, in addition to various other purposes, including, but not limited to:
• Assisting you with items such as personalized experiences, facilitation of product usage, and enforcement of the Internet Terms of Use.
• Preventing malicious activity and providing you with a secure experience.
• Providing service and support for services you request.
• Providing marketing communications that are effective and optimized for you.
• Keeping you up-to-date with the latest benefits available from us.
• Preventing unwanted messages or content.
• Measuring the performance of our marketing programs.
• Contacting you about services and offers that are relevant to you.
How We Share Your Information
We do not sell or lease your Personal Information to any third party. We may disclose your Personal Information to our trusted third-party business partners in accordance with this Policy. We work with a number of partners that help us process your requests, deliver customer service and support, send email marketing communications, and provide experiences that you have come to expect from us. We will share your Personal Information with these third parties in order to fulfill the service that they provide to us.
Except as described in this Policy, we will not share your information with third parties without your notice and consent, unless it is under one of the following circumstances:
• Responding to duly authorized information requests from law enforcement or other governmental authorities.
• Complying with any law, regulations, subpoena, or court order.
• Investigating and helping prevent security threats, fraud, or other malicious activity.
• Enforcing or protecting the rights and properties of Company or its subsidiaries.
• Protecting the rights or personal safety of Company’s employees.
There are circumstances where the Company may decide to buy, sell, or reorganize its business in selected countries. Under these circumstances, it may be necessary to share or receive Personal Information with prospective or actual partners or affiliates. In such circumstances, the Company will ensure your information is used in accordance with this Policy.
Third-Party Websites
This Policy does not apply to those websites nor websites or other domains that are maintained or operated by other third parties or our affiliates. Our Websites may link to third-party websites and services, but these links are not endorsements of these sites, and this Policy does not extend to them. Because this Policy is not enforced on these third-party websites, we encourage you to read any posted privacy policy of the third-party website before using the service or site and providing any information.
For California Residents
Pursuant to California Civil Code Section 1798.83, as applicable, we will not disclose or share your Personal Information with third parties for the purposes of third-party marketing to you without your prior consent.
Other than as disclosed in this Policy, the Websites do not track users over time and across third-party websites to provide targeted advertising. Therefore, the Websites do not operate any differently when they receive Do Not Track (“DNT”) signals from your internet web browser.
If you are a California consumer, as defined by the California Consumer Privacy Act of 2018 (“Act”), please be advised that Baltimore Equitable Insurance does not currently meet the regulatory thresholds of a “business” as that term is defined under the Act and therefore is not required to comply with the Act. Regardless, all Personal Information of any California residents will be processed in accordance with this Policy.
For Visitors Outside of The United States
Our Websites are designed for use by individuals in the United States only. We do not warrant or represent that this Policy or the Website’s use of your Personal Information complies with the laws of any other jurisdiction. Furthermore, to provide you with our services, we may store, process, and transmit information in the United States and other locations around the world, including countries that may not have the same privacy and security laws as yours. Regardless of the country in which such information is stored, we will process your Personal Information in accordance with this Policy.
Changes To This Policy
We reserve the right to change or modify our policies at any time. If we make any changes to this Policy, a revised Policy will be posted on this webpage and the date of the change will be reported in the “Last Revised” block above.
Safeguarding The Information We Collect
We use reasonable technical, administrative, and physical safeguards in order to protect your Personal Information against accidental loss and from unauthorized access, use, alteration, and disclosure. However, we can never promise 100% security. You have a responsibility, as applicable, to safeguard your information through the proper use and security of any online credentials used to access your Personal Information, such as a username and password. If you believe your credentials have been compromised, please change your password. Please also notify us of any unauthorized use.
How to Contact Us
We value your opinions and welcome your feedback. To contact us about this Policy or your Personal Information, please reach out to us at baltimoreequitableins@1794insurance.com.
