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Elite Insurance Group Privacy Policy

Last Updated: June 7, 2022

Your privacy is important to us. We will protect your personal information in accordance with the terms of this Privacy Policy. If you are a California resident, please see our Privacy Notice for California Residents (located here) regarding your rights under the California Consumer Protection Act of 2018.

Overview

This Privacy Policy describes how Elite Insurance Group, Inc. (“EIG” or “we”) collects, uses, and shares personal information. This Privacy Policy applies to personal information we collect when you access or use our websites, our telephone, chat or SMS services, mobile application, or our other platforms or properties ( the “Properties” ), get a quote for or purchase products or services through us, subscribe to our marketing programs, or otherwise interact with us (individually and collectively with the Properties, the “Services”). This Privacy Policy also applies to personal information we collect from other sources, including our parent company Porch.com, Inc., Porch’s parent company Porch Group, Inc., and their direct and indirect subsidiary companies (each, a “Porch Group Company”) and the third-party providers or underwriters of insurance and other home-related products and services arranged through the Services (“Service Providers”).

By "personal information," we mean information that uniquely identifies an individual, such as your name, or email address or government-issued identification number (such as your driver’s license number or social security number); your unique financial information, such as your credit card number; and information that we link to your unique identifier(s) or unique financial information. If information is de-linked or de-identified, we do not consider it to be personal information. For example, a postal address would not be personal information if it were included in a list of addresses without names or other unique identifiers.Business information (such as the name of a business or the business address or phone number) is not personal information.

When a person interacts with us, it may be in their role as a user of our services or in their business role (i.e., as a representative of a Service Provider). Even in business interactions, we may receive an individual’s name and other personal information. When you interact with us, we will collect your personal information and use it to interact with you as described in this Privacy Policy.References to EIG (or “we”) also include companies providing services to EIG, the Porch Group Companies, Service Providers and other business partners, to the extent that such parties are collecting, using, or sharing personal information for us or on our behalf. This Privacy Policy applies to information collected by those companies only when they provide it to us.We may change this Privacy Policy from time to time. If we make changes, we will notify you by posting the updated Privacy Policy on our website and updating the effective date at the top of this Privacy Policy. In some cases, we may provide you with additional notice, such as adding a statement to our website’s homepage or sending you a notification. If you do not agree with the terms of this Privacy Policy, please do not continue using the Services.

Information We Collect

Information You Give to Us

We collect information that you provide directly to us. For example, we collect your name, email address, address, contact phone number, insurance-related information, credit card information, and other information (as applicable) when you register for an account; request a quote or make a purchase; provide reviews or feedback or respond to surveys; request customer support; subscribe to or participate in our promotional marketing programs; or otherwise upload, link or provide content that includes personal information.

Collection of Information

Information You Provide

Information You Submit. You can visit and browse the Properties without providing personal information. You will need to provide personal information if you would like to get a quote for insurance. When using the Services, you may elect to provide information about yourself, such as name, address, telephone number, email address, payment details (if applicable) and information about your use of the Services. You may provide this information, for example, to request a quote, purchase insurance, provide reviews, comments and feedback, subscribe to our promotional marketing programs, communicate with us, or complete other forms.

Information We Collect Automatically

We collect information that you provide directly to us. For example, we collect your name, email address, address, contact phone number, insurance-related information, credit card information, and other information (as applicable) when you register for an account; request a quote or make a purchase; provide reviews or feedback or respond to surveys; request customer support; subscribe to or participate in our promotional marketing programs; or otherwise upload, link or provide content that includes personal information. Information We Collect Automatically When you access or use the Services through our website or other digital Properties or when we send you emails, we and our advertisers may use tracking technologies to automatically collect information about you. Please see our Cookie Policy to learn more about these technologies, how we use them, and how to manage or disable them. Automatically collected information may be associated with your unique browser, device identifier, or Internet protocol (IP) address, but we do not consider it to be personal information unless it is linked to your unique identifier(s). Automatically collected information includes:

  • Log Information and Analytics. We log information such as IP address, time zone, access times, operating system, browser type and language, Internet service provider (ISP), and the webpage you visited before navigating to our Services. We collect information about your use of the Services, such as clicks, scrolls, features accessed, access time and frequency, errors generated, performance data, storage utilized, user settings and configurations.
  • Usage and Session Information. We collect usage information, such as how many visitors visit a specific page, how long they stay, which links they click on, and how, when and how often they order particular services, and session information, such as mouse actions, pages visited, screen actions and other interaction patterns.
  • Device Information. We collect information about the computer or mobile device you use to access the Services, including the hardware model, operating system and version, unique device identifiers, and mobile network information.
  • Location Data. If you are using the Services on your mobile device, we may collect location data directly from your mobile device if your device allows us to do so. In addition, your IP address may provide an approximate geo-location.
  • Transaction Information. When you shop for or purchase a product or service through us, we collect information about the transaction, such as the date and location of the quote or purchase.
  • Emails. When you receive emails from us, we collect information about whether and when you opened the email, whether you clicked on the images and links in the email, and whether your computer or mobile device is capable of receiving HTML-based email.

Information Collected from Calls

When you call us, when we call you, or when we are connected on a call, we may monitor, record and transcribe those calls for quality assurance, customer satisfaction and analysis purposes. In those jurisdictions where consent is required for a party to record a telephone call, you consent to us recording such calls. We treat the records of these calls, when linked to your unique identifier(s), as personal information.

Information We Collect from Porch Group Companies and Third Parties

The Porch Group Companies provide us with information they collect from their customers and business partners. For example, if you purchase moving services from a moving company in the Porch Group Companies, that company may provide your information to us to allow us to offer insurance to you.We may also obtain information from other sources, such as Service Providers and companies that partner with us to offer discounts or promotions to their or our customers or users. For example, if you request a quote or order an insurance product or service through us, we collect information about you from the Service Provider who provides the quote and/or binds the insurance policy. EIG may obtain personal information from third-party data providers and public sources. We may match the personal information you provide directly to us (for example, your email address) with information obtained from other sources (such as your name, telephone number, and mailing address).

Aggregate and Anonymized Information

We may also aggregate (group) or de-link/de-identify (anonymize) information. For example, based on the information we have obtained from and about individuals, we may compile information about insurance pricing by state or zip code and provide that information to the Porch Family Companies or our business partners. Aggregated, anonymized data is not personal information subject to this Privacy Policy, and we may use it to analyze usage of the Services or for any other purpose.

We may also share aggregated and/or anonymized information with Porch Group Companies and our and their business partners.Categories of Personal Information Collected In the last 12 months, EIG has collected the following categories of personal information from the categories of sources described above. We consider this information to be personal information to the extent that it is information that uniquely identifies you, is unique financial information, or is linked to your unique identifier(s), or if it is defined as personal information by applicable state law.


CategoryExamples
IdentifiersReal name; postal address; unique personal identifier or online identifier; Internet Protocol (IP) address; email address; phone number; date of birth; driver’s license number, state identification card number or other similar identifiers
Personal information categories listed in the California customer records statute (Cal. Civ. Code § 1798.80(e))Name; insurance policy number; credit card number or any other financial information; education or employment informationAddress (in states that designate a postal address as personal information, such as California)Types of personal information included in the CA customer records statute that are included in other categories are not repeated here
Protected classification characteristics under California or federal lawProtected classification characteristics under California or federal lawAge (40 years or older); marital status; sex (including gender, gender identity, gender expression); or veteran or military status
Commercial informationRecords of personal and real property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies
Internet or other similar network activityBrowsing history; search history, information on a consumer's interaction with a website, application, or advertisement
Geolocation dataThe location of a consumer’s computer or device when accessing or using the Properties
Audio, electronic, visual, thermal, olfactory, or similar informationCall recordings of customer service calls; photographs of individuals
Professional or employment-related informationCurrent or past job history
Biometric informationNone
Education informationNone (except as included in other categories)
Inferences drawn from other personal informationProfile reflecting a person's preferences, characteristics, predispositions, and behavior

How We Use Information We Collect

In general, we use the information we collect to operate our business and to facilitate the business of the Porch Group Companies, including:


  • To provide, maintain, improve and personalize the Services and the services of other Porch Group Companies.
  • To connect users with Service Providers to provide quotes and insurance products and services.
  • To process transactions, to provide and improve customer service and performance, to communicate with you about your account, changes in our policies or other service matters, and to otherwise manage our customer relationships.
  • To offer products and services from EIG, the Porch Group Companies, and our and their business partners.
  • To optimize marketing campaigns, and to analyze their effectiveness, distribution and reach.
  • To develop new products and services.
  • To detect, investigate and address technical issues, security incidents, fraudulent transactions, abuse, violations of our agreements and policies, and illegal activities.
  • To comply with our legal obligations and legal process.
  • To create aggregated or de-identified data sets.
  • To analyze trends, administer the Properties, and track visitor navigations on the Properties to understand what visitors are looking for.
  • To update, expand and analyze our records and identify new customers.
  • To carry out certain short-term activities and other reasonable internal purposes related to the Services, the products or services you purchase through us or your ongoing relationship with us.
  • To perform other business purposes described at the time the information is collected or as otherwise set forth in applicable data privacy laws.

EIG will not collect additional categories of personal information or use the personal information we collect for materially different, unrelated, or incompatible purposes without providing you notice.

How We Share Information

Except as described in this Privacy Policy, we do not sell or rent personal information to any third party. If we share personal information, we do so only as follows:

User-Directed Disclosures

We share your personal information when you direct us to do something that requires its disclosure or when you otherwise provide your consent. For example, if you request a quote for insurance, we will provide your personal information to insurance carriers in connection with your request.

Porch Group Companies

We share information about you with Porch Group Companies for marketing purposes, to allow them to improve their products and services (such as confirming or supplementing information they have about you or classifying you as a mover), in connection with the database, technical, legal, accounting, and other services shared between the Porch Group Companies, and for other internal business purposes. The Porch Group Companies will be bound by the terms of this Privacy Policy with respect to personal information received from EIG and will use that personal information only as described in this Privacy Policy.

Companies Providing Services to EIG

We share information with third-party vendors, consultants, and other service providers that are providing business services to EIG. For instance, we may share information with a third-party service provider that hosts the Properties, processes payments, provides call center or other customer service, sends out emails, serves ads to you on the Properties or on a third-party platform, or monitors or analyzes Services data. Such companies will have access to personal information only as necessary to carry out their work and are prohibited from using it for any other purpose.

EIG Business Partners

We share your personal information in connection with Services offered to you in conjunction with our business partners or in connection with partner programs or promotions. If you request, access or use our Services through our partners (which could be a Porch Group Company or a third party) or if you request, access or use their services through the Services, both EIG and the partner may receive your personal information. For example, if you are referred to the Properties by one of our partners, or if you sign up with us, request services from us, or consent to receive communications from us through a partner-promoted or co-branded website, EIG and that partner may share your personal information with each other. We may also disclose your personal information to partners if you participate in their promotion offered through us or you purchase or request information about a partner’s products or services from us. For example, if we offer a discount on a partner’s product or service through a marketing email or a website link, we may disclose to the partner personal information about our users who contact us or visit the partner’s website or their users who visit our website.

Companies with Which You Have an Existing Relationship

If you are already a customer or otherwise have a direct relationship with a business partner of Porch or a Porch Group Company (an “Existing Relationship Company”), we or the Porch Group Company may disclose certain information about you to that Existing Relationship Company. If you are a match to a customer on the Existing Relationship Company customer list, we or the Porch Group Company may provide the Existing Relationship Company with information such as the groups or segments you belong to (such as mover or homeowner) and demographic information about you and your home (such as estimated household income and square footage), so that the Existing Relationship Company can provide you with more relevant advertising, products and services. We or the Porch Group Company will not give the Existing Relationship Company any of your contact information, unique personal identifiers, or unique financial information unless for another purpose permitted in this Privacy Policy. However, the Existing Relationship Company may already have some or all of that information (because of its existing relationship with you) and they will be able to link you with the other information about you that is provided to them.

Compliance with Laws and Policies; Protection of Rights

We may disclose your personal information if we believe disclosure is necessary to comply with any applicable law, regulation, or legal process, to cooperate with government or law enforcement, or to avoid legal liability; to resolve complaints or disputes; to investigate and resolve technical issues, security incidents, fraud, abuse, and illegal activities; if we believe your actions are inconsistent with the spirit or language of our user agreements or policies; or to protect the rights, reputation, safety and property of EIG or others.

Strategic Transactions

We may disclose personal information in connection with, or during negotiations of, any merger, sale of company assets, financing, or acquisition of all or a portion of our business or in a bankruptcy, liquidation, dissolution or similar transaction. In the event that we or all of our assets are acquired in such a transaction, our collected information would be one of the transferred assets.

Professional Information

We do not consider business information to be personal information. Accordingly, we may share business names, owner/proprietor names, business contact information and other information with third parties for any purpose.

Categories of Personal Information Disclosed

In the last 12 months, EIG has disclosed the following categories of personal information for a business purpose to the following categories of third parties:

Category of InformationCategory of Third Parties
Identifiers
  • Companies providing business services to us
  • Third parties upon a request by you that requires disclosure
  • Porch Group Companies
  • EIG partners
  • Courts, government officials, attorneys, investigators and other third parties as described in Compliance with Laws and Policies; Protection of Rights above
Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e))
  • Companies providing business services to us
  • Third parties upon a request by you that requires disclosure
  • Porch Group Companies
  • EIG partners
  • Courts, government officials, attorneys, investigators and other third parties as described in Compliance with Laws and Policies; Protection of Rights above
Protected classification characteristics under California or federal law
  • Companies providing business services to us
  • Third parties upon a request by you that requires disclosure
  • Porch Group Companies
  • EIG partners
  • Courts, government officials, attorneys, investigators and other third parties as described in Compliance with Laws and Policies; Protection of Rights above
Commercial Information
  • Companies providing business services to us
  • Third parties upon a request by you that requires disclosure
  • Porch Group Companies
  • EIG partners
  • Courts, government officials, attorneys, investigators and other third parties as described in Compliance with Laws and Policies; Protection of Rights above
Internet or other similar network activity
  • Companies providing business services to us
  • Porch Group Companies
  • Advertising networks
Geolocation dataNone (except approximate geo-location data included in information in other categories)
Audio, electronic, visual, thermal, olfactory, or similar informationPorch Group Companies
Professional or employment-related information
  • Companies providing business services to us
  • Third parties upon a request by you that requires disclosure
  • Porch Group Companies
  • Courts, government officials, attorneys, investigators and other third parties as described in Compliance with Laws and Policies; Protection of Rights above
Biometric InformationNone
Education InformationNone (except as included in other categories)
Inferences drawn from other personal informationPorch Group Companies

Security

We take reasonable measures, including administrative, technical, and physical safeguards, to restrict access to your personal information and help protect it from loss, theft, misuse, and unauthorized access, disclosure, alteration, and destruction. For example, when you enter a credit card number on the Properties, we encrypt that information in transit over the Internet and when stored. However, no such measure is 100% secure.

Third-Party Websites or Services

The Properties may contain links to websites and services of Service Providers, business partners and other third parties, either directly or through advertisements on the Properties. EIG is not responsible for the content or privacy practices of websites operated by third parties, including our advertising partners and networks. If you choose to visit their websites, use their services, disclose information to them, or grant them permission to collect information about you, then their use of your information is governed by their privacy policies. We encourage you to review the privacy policies of third-party websites and services before providing any information to them.

Managing Your Personal Information

Account Information

You may access, update and correct your online account information, or update your communications preferences, at any time by logging into your online account. If you wish to delete your online account, please email us at 1400 Corporate Drive Suite 300, Irving, TX 75038. Please note that, even if your account is deleted, we may retain your information as required by law or for legitimate business purposes and your personal information may be retained by Service Providers, Porch Group Companies, and other third parties with whom such information has already been shared. We may also retain cached or archived copies of your information. In addition, information that you chose to provide in a public area of the Services (such as reviews) will remain visible to the public.

You may also request to access information or to update or correct inaccurate information by emailing us at insurance@eliteinsurancegroup.com or writing us at 1400 Corporate Drive Suite 300, Irving, TX 75038.

Cookies

Most web browsers are set to accept cookies by default. If you prefer, you can usually choose to set your browser to remove or reject browser cookies. Please note that if you choose to remove or reject cookies, this could affect the availability and functionality of the Services. To opt out of being tracked by Google Analytics when using our web-based services, visit https://tools.google.com/dlpage/gaoptout.

Promotional Communications

Receiving promotional calls, text (SMS) messages, emails and direct mail from EIG is completely voluntary, and you may opt out at any time. To opt out of promotional communications from EIG, you can contact EIG customer service at (855) 221-7322 or email 1400 Corporate Drive Suite 300, Irving, TX 75038.You can also opt out of receiving promotional emails by clicking the unsubscribe link in the email, and you can opt out of promotional text (SMS) messages by texting STOP. You may receive a final email or text message confirming your opt-out.

Message and data rates may apply. Please allow up to 10 business days to process any opt-out request. Please note that even if you opt out, we may still send you non-promotional communications, such as emails about site outages, your online account, or quote requests or insurance purchases that you have made.

Communications By Third Parties

To opt out from receiving promotional communications from a Service Provider, Porch Group Company or other third party, or to make requests regarding your personal information or other information held by them, you should contact them directly.

Children and Our Services

Our Services are not directed to children, and you may not use our Services if you are under the age of 18. If we learn that we have collected personal information of a child under 16, we will make commercially reasonable efforts to delete such information from our files.

State-Specific Rights

Your California Resident Privacy Rights

Under the California Consumer Privacy Act or CCPA, California residents have certain rights regarding their personal information, including:

  • The right to know the categories of personal information we’ve collected about them and the categories of sources from which we got the information (see Information We Collect).
  • The right to know the business purposes for which we’ve shared their personal information.
  • The right to know the categories of third parties with whom we’ve shared their personal information.
  • The right to access the specific pieces of personal information we’ve collected about them and to request that we delete personal information, subject to certain exceptions (see below).
  • The right to opt out of the sale of their personal information (see below)
  • The right to not be discriminated against for exercising their CCPA privacy rights.

For purposes of these rights, “sold” and “business purpose” have the meanings given in the CCPA. For example, if you submit an opt-out request, you will not be opted out from transactions that the CCPA does not deem to be sales. In addition, please note that the CCPA does not require us to delete personal information that we need to maintain for certain purposes. To exercise the access and deletion rights described above with respect to your personal information, you may submit a verifiable consumer request to us by either:

Only you, or someone that you authorize to act on your behalf, may make a verifiable consumer request related to your personal information. We will work to respond to a consumer request within 15 business days (for opt-out requests) or 45 calendar days (for deletion and access requests) of receipt. We will not charge you a fee for making a request unless your request is excessive, repetitive, or manifestly unfounded. If we determine that your request warrants a fee, we will notify you and explain our decision before completing your request.

Your Nevada Resident Privacy Rights

If you are a resident of Nevada, you have the right to opt out of the sale of certain kinds of personal information (such as name, physical address, email address, telephone number and other personal information collected through a website) to purchasers that will then license or sell the covered information to additional persons. You can exercise this right by emailing us atinsurance@eliteinsurancegroup.com with the subject line “Nevada Do Not Sell Request.” Nevada law specifies various transactions that are excluded from the definition of “sale”; if you exercise this opt-out right, you will not be opted out from transactions that the law does not deem to be sales.

Retention

EIG retains personal information as long as it is needed for business or legal purposes.

Governing Law; Visitors Residing Outside the United States

EIG’s website and services are hosted and performed, and all personal information is processed, in the United States. This Privacy Policy is subject the laws of the United States of America and the State of Washington, without regard to conflict of law principles. If you reside outside of the United States, you are responsible for complying with local laws in connection with your use of the Services, and you consent to the collection, transfer, storage, and use of your personal information in the United States in accordance with this Privacy Policy.

The laws governing processing of personal information vary depending on the jurisdiction in which you reside. To the extent the laws of your jurisdiction are different or more restrictive than the terms of this Privacy Policy, it is our policy to follow the requirements of those laws to the extent those laws are applicable to EIG’s activities or your personal information.

Additional Information or Assistance

Please address comments or questions to 1400 Corporate Drive Suite 300, Irving, TX 75038 or write to us at the address below.

1400 Corporate Drive Suite 300, Irving, TX 75038

Elite Insurance Group, Inc.

Attn: Privacy Policy

2200 1st Ave South

Seattle, WA 98134