Effective Date: [6-09-2023]

Introduction

Welcome to Ericare Insurance Company! Your privacy is important to us. This Privacy Policy explains how we collect, use, disclose, and protect your personal information. By using our services or providing us with your personal information, you consent to the practices described in this policy.

Information We Collect

Personal Information

We may collect the following types of personal information:

1. Contact Information: This includes your name, address, email address, phone number, and other similar information.

2. Identification Information: We may collect government-issued identification numbers, such as Social Security numbers or driver’s license numbers, when required for insurance purposes.

3. Financial Information: We may collect payment information, such as credit card details, for processing premium payments.

4. Policy Information: Information related to your insurance policies with us, including coverage details, claims history, and beneficiary information.

5. Health Information: In the case of health or medical insurance, we may collect health-related information necessary for underwriting and claims processing.

6. Usage Information: We may collect information about your interactions with our website or mobile app, including IP addresses, browser type, and device information.

How We Collect Information

We may collect personal information through various sources, including:

• Directly from you when you apply for insurance, make changes to your policy, or communicate with us.
• From third-party sources, such as credit reporting agencies or healthcare providers, where necessary and in accordance with applicable laws.
• Through cookies and similar technologies when you visit our website or use our mobile app (for more details, please see our Cookie Policy).

How We Use Your Information

We may use your personal information for the following purposes:

1. Providing Insurance Services: To underwrite policies, process claims, and administer your insurance coverage.

2. Customer Service: To provide customer support, respond to inquiries, and communicate important policy-related information.

3. Payment Processing: To process premium payments and manage billing.

4. Legal and Regulatory Compliance: To comply with legal and regulatory requirements, including reporting to relevant authorities.

5. Marketing and Communications: To send you marketing materials, promotions, and updates, where permitted by law. You may opt out of marketing communications at any time.

6. Improving Services: To analyze usage patterns and improve our products and services.

Information Sharing

We may share your personal information with:

• Affiliates and subsidiaries within the Ericare Insurance Company group.
• Service providers who assist us in delivering our services, such as claims processors and billing agencies.
• Regulatory authorities and law enforcement agencies when required by law or to protect our rights and interests.
• Third parties with your consent or as permitted by applicable laws.

Data Security

We implement reasonable security measures to protect your personal information. However, no data transmission or storage is entirely secure, and we cannot guarantee the security of your data.

Your Choices

You have the right to:

• Access, correct, or update your personal information.
• Request the deletion of your personal information, subject to legal requirements.
• Opt-out of marketing communications.
• Object to certain data processing activities.

To exercise these rights or make inquiries about your personal information, please contact us using the information provided below.