Southern Farm Bureau® Casualty Insurance Company (hereinafter referred to as “Farm Bureau® Insurance”) recognizes our customers’ expectation of data security and our responsibility to fulfill this expectation. Therefore, we want our customers to understand our data security policies and practices and we want to provide as much information as necessary to assist in this understanding. Farm Bureau Insurance considers customer data security to be one of our highest priorities. We take seriously our commitment to ensure that the identity of our customers and their non-public personal information is safeguarded.
We will provide you with a copy of this Privacy Policy in connection with your first purchase of an insurance policy and thereafter upon modification of this Privacy Policy and at any time that you request in writing a copy of this Privacy Policy. Further, because federal and state laws, regulations and business practices can change at any time, we may revise this Privacy Policy accordingly. Once you cease to be a policyholder, we will stop sending you annual copies of this Privacy Policy.
Our Commitment to Safeguarding Your Privacy
We maintain appropriate security standards, practices, and procedures regarding unauthorized access to and sharing of customer non-public personal information. Non-public personal information is personally identifiable information about you, your family, or your household that we may obtain: directly from you, as a result of our business dealings with you, or from any other legally permissible source. We maintain physical, electronic, and procedural safeguards that comply with federal and state law to guard your non-public personal information.
Online Security
We have made substantial investments to secure customer non-public personal information from internet theft, disclosure, and intrusion. In addition to firewall technology, we have installed highly sophisticated internet intrusion detection tools. All customer non-public personal information is protected using industry-standard encryption.
Information We May Collect and Use
During the course of reviewing your application for insurance coverage and deciding whether or not to underwrite the insurance policy for which you have applied, and, if we issue you a policy, during the course of providing services to you as required by the policy, we collect and evaluate information from the following sources:
- Information we receive from you on applications or other forms;
- Information we collect through your use of our MobileAgent application;
- Information about your transactions with us, our affiliates, or others;
- Information we receive from consumer reporting agencies; and
- Information we receive from state or federal agencies.
It is important for us to collect and use this information to properly provide, administer, and perform services on your behalf. We could not provide optimum service to you without collecting and using this information.
Additional Information We May Collect and Use When You Access Our Website
Information that we collect from digital identifiers, commonly known as “cookies,” when you access sfbcic.com: A cookie is a small piece of electronic information that is saved on your computer to remind our website about you the next time you visit the website. Use of cookies is a standard practice among website sponsors. Since the same information does not have to be collected from you each time that you visit our website, the cookie enhances your online transactions with us, and makes it easier for you to navigate through our website. The cookie contains no confidential information, and is not used to track your electronic activity after you leave our website. Although your computer’s browser was most likely initially set up to accept cookies, you control your computer’s cookie files, and you can reset your browser to refuse all cookies or to indicate when a cookie is being sent. If you are interested in disabling your computer’s cookies function, please refer to your browser’s Help Menu or your printed computer manual for computer-specific instructions.
Information that we collect from prior site tracking when you access sfbcic.com: Prior site tracking allows us to identify the prior website address you visited before you reached our website. This allows us to determine how our visitors find us. Use of prior site tracking is a standard practice among website sponsors.
Electronic-specific information that we receive from you, such as your password when you register for an account: This electronic-specific information is only used to verify your identity and provide you access to your non-public personal information. We do not send or support the delivery of unsolicited bulk electronic mail, commonly known as “spam.”
Once again, it is important for us to collect and use this information to properly identify you; to provide, administer, and perform services on your behalf; to improve our products and services; and to comply with certain state and federal requirements. We could not provide optimum service to you without collecting and using this information.
Information We May Disclose
We regard all of your non-public personal information as confidential. Therefore, we do not disclose any non-public personal information about our customers or former customers to anyone except as required or permitted by law. In the course of conducting our business dealings, we may disclose certain information we have about you to third parties such as reinsurers, administrators, service providers, consultants and regulatory or governmental authorities. This information will only be provided to such parties as is necessary to provide quality insurance services to you. We carefully restrict access to customer non-public personal information to our employees, independent contractor insurance agents, service contract providers, and affiliates and subsidiaries for the purpose of administering your business and providing services to you. The right of our employees, independent contractor insurance agents, service contract providers, and affiliates and subsidiaries to further disclose and use such information is limited by our employee handbook, independent contractor insurance agent’s manual, applicable law, and master services agreements and non-disclosure agreements where applicable. We do not sell your name, address, or telephone number to telemarketers or to direct mail solicitors. We do not engage in “list-selling,” and we do not offer your non-public personal information to publishing houses, retailers, or coupon companies.
We may disclose the following categories of information to the above-listed individuals and/or entities that perform services on our behalf:
- Information we receive from you on applications or other forms, such as your name, address, social security number, or county Farm Bureau® membership number;
- Information we collect through your use of our MobileAgent application;
- Information about your transactions with us, our affiliates, or others, such as your policy coverage, premium, loss history and payment history; and
- Information we receive from consumer reporting agencies, such as your creditworthiness and credit history.
The individuals and/or entities with whom we share such information are required to maintain the confidentiality of that information. We do not authorize these parties to use or disclose your personal information for any purpose other than for the express purpose of performing work on our behalf or as required or permitted by law.
Farm Bureau MobileAgent Application (“App”) and DriveDown Feature (DriveDown Feature is an Optional Feature within the App)
Information We May Collect, Use and Disclose
- Technical data and related information about your mobile device, system, application software, and peripherals.
- Data regarding your GPS location.
- Trip start and end time, miles, acceleration, braking behavior, cornering, and speed during a trip.
- Trip route information (GPS enabled).
- Mobile device information, including IMEI and operating system data available to the App.
- Data from call logs and SMS, when the user accepts the required permissions, to detect certain potential distracted driving behaviors. DriveDown does not record or monitor the contents of a phone call or SMS.
- Data entered into, and submissions of, the “Request a Review” form in the App.
- Data related to your enrollment, usage and frequency, and scoring within the DriveDown feature of the App.
How the App Collects the Information We May Collect, Use and Disclose
- DriveDown collects a sampling of data that begins when motion is detected over a certain distance. Data collection stops when motion is no longer detected for a specified amount of time. Location services must be enabled in the App and on your mobile device in order to collect data.
- DriveDown collects location data even when the App is closed or not in use. Data may continue to be collected until permissions that enable data collection are disabled or the App is removed from your mobile device. If you wish for the App to stop collecting data, you must disable permissions that enable data collection or uninstall the App from your mobile device.
How We Use and Disclose the Information We May Collect, Use and Disclose
- To offer product support.
- To facilitate the provision of software updates.
- To provide other services to you (if any) related to the App.
- Data from the App is uploaded and transmitted to certain Farm Bureau Insurance service providers, namely Arity, LLC (“Arity”). Arity is a third-party mobility data and analytics company with whom we share certain customer driving data collected by DriveDown for the purposes set forth in this Section.
- DriveDown gathers and combines customer driving data for the purpose of determining driving behavior. Arity then collects and analyzes this customer driving data using predictive analytics and provides a “driving score” for each user in order to determine the monthly percentage discount which may be available to each such user. The collected data is used for discount determination and does not impact underwriting or rating decisions. The collected data may be retained indefinitely, subject to Arity’s privacy statements, discussed in this Section. We may use all past and future data gathered since the user’s first installation of the App.
- Farm Bureau Insurance and Arity may also perform research and analysis on user behavior within DriveDown and by using data collected from the App. Farm Bureau Insurance may add in-development features and functionality for testing purposes to the App in order to perform such research.
- Notwithstanding the provisions of this Section, neither Farm Bureau Insurance nor Arity shall have the right to share or sell any of your sensitive, non-sensitive, or non-public personal information.
- If you wish to learn more about Arity’s data collection and privacy practices, please find their Privacy statements at: https://arity.com/privacy/ and https://arity.com/yourprivacychoices/.
Conclusion
If you have any questions or comments concerning this Privacy Policy or our privacy standards and procedures, please do not hesitate to contact us at Post Office Box 1800, Ridgeland, Mississippi, 39158. Our functional regulator is the Mississippi Insurance Department. If we cannot resolve your concerns or answer your questions, feel free to contact our regulator.
This Privacy Policy describes Farm Bureau Insurance’s privacy policies and practices in accordance with the Gramm-Leach-Bliley Act, 15 USC §6801, and with various state- and federal-specific privacy/financial information laws and regulations in the states in which Farm Bureau Insurance does business.