Privacy Notice
This Notice describes the way Ternian Insurance Group LLC (“Ternian”) collects and uses information and the specific rights of residents of the United States.
What type of personal information do we collect about you?
The types of personal information we collect about you depends on your relationship with Ternian.
If you are an Insured Person or Potential Insured, we collect personal information of the policyholder, prospective insured, and related individuals in order to determine eligibility for, underwrite, and administer insurance policies. In some instances, we may need to collect sensitive personal information, such as information about your medical and criminal history.
If you are a claimant making a claim under a Ternian Limited Benefit program, we may need to collect your contact information, as well as information about your claim and previous claims. We may also need to collect sensitive personal information, depending on the nature of your claim.
If you are a business partner, we will collect your business contact details.
The types of personal and sensitive personal information we may collect include:
- Name, address, phone number, email
- Gender
- Marital status
- Date and place of birth
- Government identification numbers: social security, passport, tax, driver's license
- Family information
- Banking information
- Health information/medical history
- Criminal history
- Credit history and credit score
- Claims/policy numbers
Do Not Track response
Our websites are not designed to respond to"do not track" requests from browsers.
Protecting children's privacy
We are committed to protecting children's privacy on the internet and we do not knowingly collect personal information from children under the age of 13.
How do we collect information about you?
We may collect your personal information for the following purposes:
If you are an insured or potential insured:
- Account setup, including background checks
- Evaluating risks to be covered
- Risk modeling and underwriting
- Customer service communications
- Payments to/from individuals
- Direct marketing
- Complying with legal or regulatory obligations
If you are a claimant:
- Managing insurance or reinsurance claims
- Defending or prosecuting legal claims
- Investigating or prosecuting fraud
- Complying with legal or regulatory obligations
Nevada Residents:
If you are a Nevada resident, you have the right to request that Ternian not sell your personal information to third parties. To submit this request, please send us an email: [email protected].
Information collected automatically online
The technologies we use for this automatic data collection may include:
- Cookies (or browser cookies) A cookie is a small file placed on the hard drive of your computer. You may refuse to accept browser cookies by activating the appropriate setting on your browser. However, if you select this setting you may be unable to access certain parts of our Website. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you direct your browser to our Website.
- Flash Cookies Certain features of our Website may use local stored objects (or Flash cookies) to collect and store information about your preferences and navigation to, from, and on our Website. Flash cookies are not managed by the same browser settings as are used for browser cookies.
- Web Beacons Pages of the Website and our e-mails may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixelgifs) that permit the Company, for example, to count users who have visited those pages or opened an email and for other related website statistics (for example, recording the popularity of certain website content and verifying system and server integrity).
Legal requirements to share
Sometimes we may be required to share personal information for legal reasons, for example, if we are required to do so by a regulation, court order, subpoena, or other legal process. We may also share information when we believe it's necessary to comply with the law or to respond to a government request, or when we believe disclosure is necessary or appropriate to protect Ternian, our clients and business partners, or others.
We may share personal information in the event of a corporate sale, merger, acquisition, dissolution, or similar event. If such an event takes place, we'll post a prominent notice on our applicable website(s) of any change in ownership, as well as any choices you may have regarding your personal information.
Categories of personal information collected in the preceding 12 months, categories of sources, and purposes for which the categories are used.
| Category of information | Category of source | Purpose or use |
|---|---|---|
| A. Identifiers such as a real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, social security number, driver’s license number, passport number, or other similar identifiers | If you are an insured or potential insured:
If you are a claimant:
| If you are an insured or potential insured:
If you are a claimant:
If you are a business partner: Managing our business relationship with you |
| B. Any categories of personal information: (any information that identifies, relates to, describes, or is capable of being associated with, a particular individual, including, but not limited to, his or her name, signature, social security number, physical characteristics or description, address, telephone number, passport number, driver's license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information. “Personal information” does not include publicly available information that is lawfully made available to the general public from federal, state, or local government records) | If you are an insured or potential insured:
If you are a claimant:
| If you are an insured or potential insured:
If you are a claimant:
If you are a business partner: Managing our business relationship with you |
C. Characteristics of protected classifications under California or federal law: Federal Protected Classes List
California Protected Classes List
| If you are an insured or potential insured:
If you are a claimant:
| If you are an insured or potential insured:
If you are a claimant:
If you are a business partner: Managing our business relationship with you |
| D. Commercial information, including records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies | If you are an insured or potential insured:
If you are a claimant:
| If you are an insured or potential insured:
If you are a claimant:
|
| E. Biometric information | Not collected | Not collected |
| F. Internet or other electronic network activity information, including, but not limited to, browsing history, search history, and information regarding a consumer’s interaction with an Internet Web site, application, or advertisement | If you are an insured or potential insured:
If you are a claimant:
| If you are an insured or potential insured:
If you are a claimant:
If you are a business partner: Managing our business relationship with you |
| G. Geolocation data | Not collected | Not collected |
| H. Audio, electronic, visual, thermal, olfactory, or similar information | If you are an insured or potential insured:
If you are a claimant:
| If you are an insured or potential insured:
If you are a claimant:
If you are a business partner: Managing our business relationship with you |
| I. Professional or employment-related information | If you are an insured or potential insured:
If you are a claimant:
| If you are an insured or potential insured:
If you are a claimant:
If you are a business partner: Managing our business relationship with you |
| J. Education information, defined as information that is not publicly available personally identifiable information as defined in the Family Educational Rights and Privacy Act (20 U.S.C. section 1232g, 34 C.F.R. Part 99) | If you are an insured or potential insured:
| If you are an insured or potential insured:
If you are a claimant:
If you are a business partner: Managing our business relationship with you |
| K. Inferences drawn from any of the information to create a profile about a consumer reflecting the consumer’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes | If you are an insured or potential insured:
If you are a claimant:
| If you are an insured or potential insured:
If you are a claimant:
If you are a business partner: Managing our business relationship with you |
The categories of third parties with whom we share personal information
For insureds or potential insureds:
- Brokers
- Other insurers or reinsurers
- Service providers who supply back office support
- Regulators, such as the Insurance Commissions of the states in which we operate, the federal functional financial regulators which oversee our business
- Credit reference agencies
- Foreign law enforcement agencies
For claimants:
- Third-Party AdministratorsAdjusters and other claims experts
- Service providers who supply back-office support
- Outside legal counsel
- Credit reference agencies
- Foreign law enforcement agencies
Personal information sold
We do not and will not “sell” personal information as defined under the California Consumer Privacy Act.
Personal information disclosed for a business purpose
| Business Purpose | Categories of information disclosed |
| Auditing related to a current interaction with the consumer and concurrent transactions, including, but not limited to, counting ad impressions to unique visitors, verifying positioning and quality of ad impressions, and auditing compliance with this specification and other standards. | (A)-(K) Any information collected may be disclosed for this business purpose. |
Detecting security incidents, protecting against malicious, deceptive, fraudulent, or illegal activity, and prosecuting those responsible for that activity. | (A)-(K)
|
| Debugging to identify and repair errors that impair existing intended functionality. | (A)-(K) |
| Short-term, transient use, provided the personal information that is not disclosed to another third party and is not used to build a profile about a consumer or otherwise alter an individual consumer’s experience outside the current interaction, including, but not limited to, the contextual customization of ads shown as part of the same interaction. | (A)-(K) Any information collected may be disclosed for this business purpose. |
| Performing services on behalf of the business or service provider, including maintaining or servicing accounts, providing customer service, processing or fulfilling orders and transactions, verifying customer information, processing payments, providing financing, providing advertising or marketing services, providing analytic services, or providing similar services on behalf of the business or service provider. | (A)-(K) |
| Undertaking internal research for technological development and demonstration. | A)-(K) Any information collected may be disclosed for this business purpose. |
| Undertaking activities to verify or maintain the quality or safety of a service or device that is owned, manufactured, manufactured for, or controlled by the business, and to improve, upgrade, or enhance the service or device that is owned, manufactured, manufactured for, or controlled by the business. | (A)-(K)
|
Rights and Requests to Know and Delete
A California consumer has the right to know the information we have collected about the consumer, the right to know the information we have “sold”, or disclosed for a business purpose, and the right to request deletion of their personal information.
We will acknowledge within 10 days that we have received your request, and will require information to verify your identity. Read on for more information about these processes.
Right to know information collected
You have the right to request disclosure of the personal information we have collected about you. After we have received your request to know, and have verified your identity, we will provide:
- The categories of personal information we have collected about you.
- The categories of sources from which the personal information is collected.
- The business or commercial purpose for collecting personal information.
- The categories of third parties with whom we share personal information.
- The specific pieces of personal information we have collected about you.
Right to know information disclosed for a business purpose
You have the right to request disclosure of the personal information about you we have disclosed for a business purpose. After we have received your request to know, and have verified your identity, we will provide:
(1) The categories of personal information that we have collected about you.
(2) The categories of personal information about you that we disclosed for a business purpose.
Right to request deletion of information
You may request that we delete any personal information we have collected from you. After we have received your request to delete, and have verified your identity, we will delete your information except as described below, and will direct any service providers which received your information from us to delete your information.
We will not delete your personal information, even following a verifiable consumer request, if it is necessary for us or our service providers to maintain the information in order to:
- Complete the transaction for which the personal information was collected, provide a good or service you requested, reasonably anticipated within the context of a business’s ongoing business relationship with you, or otherwise perform a contract between us and you.
- Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity; or prosecute those responsible for that activity.
- Debug to identify and repair errors that impair existing intended functionality.
- Exercise free speech, ensure the right of another consumer to exercise his or her right of free speech, or exercise another right provided for by law.
- Comply with the California Electronic Communications Privacy Act pursuant to Chapter 3.6 (commencing with Section 1546) of Title 12 of Part 2 of the Penal Code.
- 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 our deletion of the information is likely to render impossible or seriously impair the achievement of such research, if you have provided informed consent.
- To enable solely internal uses that are reasonably aligned with the expectations of consumers based on your relationship with us.
- Comply with a legal obligation.
- Otherwise use your personal information, internally, in a lawful manner that is compatible with the context in which you provided the information.
Note that we will retain a record of the deletion as required by law.
Process for exercising a request to know or request to delete
In order to submit a request to know or request to delete, please read carefully the information below, so that we can quickly and accurately process your request.
- Submit your request.
We have designated the following methods for submitting requests:
- Toll-free number: +1 (800) 214-7224
- Interactive Webform: California Consumer Rights Request Form
- Email: [email protected]
- We will notify you within 10 days that we have received your request.
We will respond to the email or phone number you provided in your request.
- You will be required to verify your identity.
IF YOU ARE AN INSURED OR A CLAIMANT:
You will need to provide documents and/or information in order to verify your identity, such as a driver’s license or passport, or information about the claim.
IF YOU WANT AN AUTHORIZED AGENT TO MAKE THE REQUEST ON YOUR BEHALF:
If you want to designate an authorized agent to make the request on your behalf, you may do that in one of two ways:
- Provide written instruction to the Authorized Agent, provide a copy of the written instruction to us, and verify your identity with us
- Provide a Power of Attorney, which meets the following requirements, to the Authorized Agent, which the Authorized Agent can provide to us.
Power of Attorney Requirements:
- In writing
- Signed by the person who is designating the authorized agent
- Notarized
- Specifically granting the authorized agent the ability to make requests to know/delete, or provides a general power of attorney
How to Contact Us
Please address all inquiries, requests, and other communications regarding your personal information or this Privacy Notice to:
| Contact: | Ternian |
|---|---|
| Email: | [email protected] |
| Address: | 7310 N. 16th Street, Suite 165 Phoenix, AZ 85020 |
| Phone: | +1 (800) 214-7224 |
Last Updated: 17th December 2019