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SKISAFE Respects Your Privacy
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SKISAFE understands that your privacy is very important to you. We know that
our policyholders trust us with their boating insurance and it is important to
us to maintain a high degree of integrity. We want you to understand how we
protect your privacy when we collect and use information about you. SKISAFE
does not sell your personal information to third parties. |
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THE INFORMATION WE COLLECT |
| We may collect non-public personally identifiable information ("Information")
as follows: |
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Information We Get From You
Information you provide to us during the quoting
and/or application process such as your name, address, phone number, e-mail
address, driver’s license number, or date of birth. SKISAFE may use your e-mail
address from time-to-time to communicate or to confirm completion of
transactions. If you do not want to be contacted by e-mail for non-policy
related communications, please provide your name and, if you are a
policyholder, your policy number when selecting the following e-mail link:
unsubscribe@SKISAFE.com.
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Transaction Information
This is Information about your transactions and
experiences with us and others, such as your payment history, claims, or
coverage and watercraft changes.
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Information From Third Parties
Information obtained from consumer reporting
agencies, which provide us with motor vehicle reports, claim reports and/or
consumer credit information where permitted by law. When you have asked for a
rate quotation, SKISAFE may request credit information in accordance with
applicable state law. SKISAFE employees will not have access to the details of
your credit information. When SKISAFE does request credit information, the
inquiry will be reflected in your personal credit file maintained by credit
reporting agencies. If you commit to purchase a marine insurance policy from
SKISAFE, you give us permission to confirm your motor vehicle and boating
records as well as your claims history.
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THE INFORMATION WE DISCLOSE |
| Information about our customers or former customers will only be disclosed as
permitted or required by law. Information about our former customers will be
safeguarded to the same extent as Information about our current policyholders.
Information about you which has been collected is maintained in your policy
and/or claims records. We use this Information to process and service your
policy and settle claims or with your consent or as directed by you. We may
also disclose it to persons or organizations as necessary to perform
transactions you request or authorize. |
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| Example: We must exchange information about you with our agents, investigators,
appraisers, attorneys and other persons who are or will become involved in
processing your application and servicing your policy or any claims you may
make. |
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| Example: When you are involved in a claim, policy information is provided to
adjusters and the appropriate businesses that will repair your craft. |
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| Example: We may share Information with persons or organizations that we have
determined need the Information to perform a business, professional or
insurance function for us, such as businesses that help us with administration.
All of these companies are contractually obligated to keep the information that
we provide to them confidential and to use the information only for the purpose
for which the information was provided. |
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| Example: Information may be provided to organizations conducting actuarial
research or audits. In this case you would not be individually identified in
any research report, the organization has to agree that they will not to
disclose the Information to anyone else and that they will return the
Information to us or destroy it when it is no longer needed. |
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| We may also share your Information for other permitted purposes, including: |
- another insurance company if you are involved in an accident with their
insured;
- reinsurers;
- insurance-support organizations that detect and prevent fraud;
- medical professionals or institutions in order to verify coverage;
- state insurance departments or other governmental or law enforcement
authorities if required by law or to protect our legal interests or in cases of
suspected fraud or illegal activities; or
- if ordered by a subpoena, search warrant or other court order.
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CONFIDENTIALITY AND SECURITY |
| We restrict access to nonpublic personally identifiable information about you
to those employees whom we have determined need to know that information in
order to provide products or services to you. We maintain strict physical,
electronic and procedural safeguards designed to protect your Information from
unauthorized access by third parties.
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ADDITIONAL INFORMATION FOR OUR WEBSITE USERS |
| SKISAFE collects information in three categories when you visit our website.
SKISAFE stores information collected by general browsing, when you request a
quotation, and when you request policyholder service transactions in a secure
environment behind our firewall. |
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| When you are browsing the website for general information, browsing patterns
are stored in our database for review. SKISAFE reviews customer web browsing
patterns to enable us to enhance pages of particular interest to you and
improve the usability of our website. |
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| When you complete a request for an on-line watercraft policy quote, information
is collected to help us offer you proper coverage. Your information is also
used to determine if you qualify for any of our many discounts. When you
complete an on-line watercraft policy quotation, your session data will remain
in our quotation system database. If you have shown interest in obtaining a
quote in the past you may receive a courtesy reminder when your current policy
approaches its expiration date. |
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| SKISAFE may place a small text file called a "cookie" on your computer’s
hard-drive to identify you when you return to our website. No personal
information is stored in the cookie. |
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| Our website provides some links to third-party websites that are not owned by
Skisafe as a convenience to you and we have no control over their privacy
practices. Therefore we assume no responsibility in connection with your use of
their websites. We recommend that you check the privacy policy of any website
before you provide any personally identifiable information. |
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FURTHER INFORMATION |
If you have any questions or would like more information, please write to us
at:
Privacy Administration
SKISAFE
One Hollow Lane
Lake Success, NY 11042
or include your name and policy number and e-mail us at privacypolicy@SKISAFE.com.
We're here to help you and you can contact us at any time at
1-800-225-6560 or info@SKISAFE.com
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