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Privacy & Security Policy

This Coalition Privacy & Security Policy ("Policy") outlines the general policy and practices for the types of information that Coalition, Inc. ("Coalition", "we", "us", or "our") gathers from you when you use our services, how we use that information, and the options that our users ("you" or "your") have regarding our use of, and your ability to correct, such information. As an insurance agency, Coalition is regulated by Federal and State laws that protect your information and our use and disclosure of it. Your access to and use of our services is subject to the Terms of Service located at www.thecoalition.com/legal/terms.

It's our overriding privacy principle that any personal information provided to us by you is just that: personal and  private. As such, we will never sell, rent, share, or otherwise disclose your personal information to anyone except to provide our services or as otherwise described in this Policy, without providing explicit notice of such and the ability to opt-out. Please note that our services may require us to share and disclose your personal information for the purposes of underwriting (re)insurance.

If you have an unresolved privacy or data use concern that we have not addressed satisfactorily, please contact our U.S.-based 3rd party dispute resolution provider (free of charge) at  https://www.jamsadr.com/about/submit-a-case .

Policy Application

This Policy applies to information provided to us by: (i) visitors to our websites and (ii) users of our services (i.e., policyholders, insurance agents and brokers, and subscribers to any of our services). Our users' websites or those to which we provide links, may have their own privacy policies. Because of this, we strongly encourage awareness and understanding of such websites' separate privacy policies.

Coalition's website and services are not intended for, nor designed to attract, individuals under the age of 18. Coalition does not knowingly collect personally identifiable information from any person under the age of 18. If it comes to our attention through reliable means that a registered user is a child under 18 years of age, we will cancel that user's account and/or access to our services.

What Information Do We Collect and How Do We Get It?

Coalition collects a variety of information that will aid us in quoting and servicing your insurance policy and providing services to you. This information includes "nonpublic personal information", which is all information that identifies you and is not available to the general public.

We collect this information through your application information, your communications with us, your transactions, and your use of our services.

Here are some examples of the information we get:

  • Application and Communications: Through our website and provided services we gather information such as your name, address, corporate information, phone number, occupational information, former insurance information, and claims history, as well as other information that you may provide through other communication features of our services.
  • Transactions: Through your transactions with us, we gather information such as insurance coverage, payments and claims history, and payment instrument information, such as credit card or banking information. However, we do not store full credit card numbers or personal account numbers (PANs).
  • Website Usage: Like most online services, when you use our services, we may automatically collect certain information about your visit and store it in log files, such as the website and/or search criteria that led you to our services, your Internet Protocol address ("IP Address"), UDID, or other device address or ID, device type, operating system, browser info, and what pages you visit when using our services, the web pages or sites that you visit just before or just after using the services. We do not link this automatically-collected data to other personal information we collect about you.
  • Tracking Technologies: Coalition and our partners (such as our marketing partners), affiliates, or analytics or service providers (such as our live chat feature provider), use technologies such as cookies, beacons, tags, and scripts, to analyze trends, administer the website, track users' movements around the website, and to gather demographic information about our user base as a whole. We may receive reports based on the use of these technologies by these companies on an individual and aggregated basis.
  • HTTP Cookies: We use cookies for customizing your user experience, remembering users' settings, and monitoring use and effectiveness of our services. Users can control the use of cookies at the individual browser level. If you reject cookies, you may still use our website, but your ability to use some features or areas of our website may be limited.
  • 3rd Party Technology: The use of tracking technologies by our service providers, technology partners, or other 3rd party assets on the site is not covered by this Policy. These 3rd parties may use cookies, clear gifs, images, and scripts to help them better manage their content on our site. We do not have access or control over these technologies. We do not tie the information gathered to our customers' or users' personal information.
  • Flash Cookies: We and 3rd parties with whom we partner to provide certain features on our site or to display advertising based upon your web browsing activity use locally shared objects (LSOs) or flash cookies to collect and store information. Various browsers may offer their own management tools for removing HTML5 LSOs.
  • Information From Referrals: If you choose to use our referral service to tell someone about our site, we will ask you for their name and email address. We will automatically send them a one-time invitation email to visit the site, and a one-time reminder. Coalition stores this information for the sole purpose of sending the invitation and reminder emails, and for tracking the success of our referral program. Any recipient of an invitation may contact us at  [email protected] to request that we remove this information from our database.

The Ways Coalition Uses Information

Coalition uses the information you provide or that we collect to develop, operate, maintain, enhance, and provide all of our features and services now and in the future, and to service your account with us, including the following:

  • We will use your email address to contact you for administrative purposes, for customer service purposes, or regarding your use of our services.
  • We use the information that you provide or that we collect to understand and analyze the usage trends and preferences of our users, to improve the way our services work and look, and to create new features and functionality.
  • We may use information to: (a) personalize our services, such as remembering your information so that you will not have to re-enter it during your visit or the next time you use our services; (b) provide customized 3rd party advertisements, content, and information; (c) monitor and analyze the effectiveness of our services and 3rd party marketing activities; and (d) monitor aggregate site usage metrics such as total number of visitors and pages viewed.

The Ways Coalition Discloses Information

Coalition is the owner of the service information collected on this website and through any Coalition service. In order for us to provide some of our services we may also provide information that you supply to us to our affiliates, vendors and service providers, which we use for billing systems, contract and account management, customer support, claims support, relationship management, and other service and technical operations. Such disclosures include:

  • Disclosures In Connection with Claims: We may disclose your information to insurers, their agents and representatives, claims representatives, insurance agents, law enforcement agencies, courts, and government agencies. These parties may disclose information to other parties as permitted by law.
  • Payment Processors: Coalition collects and maintains certain information from our users for the purposes of billing. We may share this information with 3rd party processors for the limited purpose of receiving payment.
  • 3rd Party Service Providers: Coalition works with other 3rd party service providers in the U.S. and other jurisdictions to provide website development, hosting, maintenance, transcription, marketing, and support as well as other business services for us. To the extent it is necessary for these service providers to complete their work, these 3rd parties may have access to or process your personal information. Such users generally agree to limit their use of the information for the purpose for which it was provided.
  • Aggregated Information: Coalition may aggregate data we acquire about our users. For example, we may aggregate data to determine if particular software used by our users is susceptible to exploitation. If we aggregate this sort of data and provide it to external parties, our users' personal information will not be attached to or included in such aggregated data. Please note, data that our users provide to us, including data collected in our underwriting process, may be included in the aggregate data, reports, and statistics.

In such cases, we will try to ensure that such entities are bound by appropriate confidentiality restrictions to protect the personal information covered by this Policy.

We do not sell, rent, or share personal information with 3rd parties for their direct marketing purposes, including as defined under California Civil Code Sec. 1798.83.

California Civil Code section 1798.83 also permits Coalition users who are California residents to request certain information regarding Coalition's disclosure within the immediately preceding calendar year of that California resident's personal information to 3rd parties and in some cases affiliates for their direct marketing purposes. To make such a request, use the information provided in the "Contact Information" section at the bottom of this Policy. Any such inquiry must include "California Privacy Rights Request" in the first line of the inquiry.

Promotional Partners and 3rd Party Apps

From time-to-time, Coalition may notify you about an offer from one of our promotional partners (e.g., Apps Marketplace partners) via our website or email. While we may target particular types of users for these offers, we do all of the targeting within our systems and not externally. Our partners will not have any access to the targeting information, including the names of the people who may be interested in a particular product or service. Until you affirmatively respond to a promotional offer, we will not share any identifying information about you with any of these partners.

If you install an app from one of our 3rd party partners, Coalition may provide your email address to that partner for account creation and communication with that partner.

Online Advertising

We partner with a 3rd party ad network to manage our advertising on other sites. Our ad network partner uses cookies and web beacons to collect non-personal information about your activities on this and other websites to provide you targeted advertising based upon your interests. If you wish to not have this information used for the purpose of serving you targeted ads, you may opt-out by emailing us at [email protected]. Please note this does not opt you out of being served advertising. You will continue to receive generic ads.

Our site includes links to other websites whose privacy practices may differ from those of Coalition. If you submit personal information to any of those sites, your information is governed by their privacy policies. We encourage you to carefully read the privacy policy of any website you visit.

Our website includes social media features, such as the Facebook Like button and widgets, such as the share this button or other interactive mini-programs that run on our site. These features may collect your IP address, which page you are visiting on our site, and may set a cookie to enable the feature to function properly. Social media features and widgets are either hosted by a 3rd party or hosted directly on our site. Your interactions with these features are governed by the privacy policy of the company providing it.

Blog / Forum

Our website offers publicly accessible blogs. You should be aware that any information you provide in these areas may be read, collected, and used by others who access them. To request removal of your personal information from our blog, contact us at [email protected]. In some cases, we may not be able to remove your personal information, in which case we will let you know if we are unable to do so and why.

Our website also offers publicly accessible community forums. Our community forum is managed by a 3rd party application that may require you to register to post a comment. We do not have access or control of the information posted to the community forum. You will need to contact or login into the 3rd party application if you want the personal information that was posted to the comments section removed. To learn how the 3rd party application uses your information, please review their privacy policy.

Testimonials

We display personal testimonials of satisfied customers on our website in addition to other endorsements. We may post your testimonial along with your name and employer name. If you wish to update or delete your testimonial, you can contact us at  [email protected].

In the Event of a Merger or Sale

In the event that all or a portion of Coalition or its assets are acquired by or merged with a 3rd party entity, we reserve the right, in any of these circumstances, to transfer or assign the information that we have collected from users, including personal information and user data in connection with such merger, acquisition, sale, or other change of control.

Law Enforcement and Obligations

We reserve the right to disclose your information that we believe is reasonable, appropriate, or necessary to take precautions against liability; to protect Coalition and others from fraudulent, abusive, predatory, or unlawful uses or activity; to investigate and defend ourselves against any 3rd party claims or allegations; to assist government enforcement agencies; to protect the security or integrity of our services; or to protect or vindicate the rights, property, or personal safety of Coalition, our users, or others. In addition, we may be required by law, court order, or other legal process to provide information about our customers to outside parties. It is our policy to ensure adherence to the due process of law in all such instances, and if we are required to provide information under these circumstances, we will, whenever possible, attempt to inform users whose information we are compelled to produce, unless prohibited by law.

We may also retain copies of personal information to comply with our legal obligations, pursuant to our data retention policies, or for such reasonable period as is required to address potential disputes.

Data Security, Data Integrity, and Access

We take commercially reasonable steps to protect information we receive from our users from loss, misuse or unauthorized access, disclosure, alteration, and/or destruction. We've put in place physical, electronic, and managerial procedures designed to safeguard and secure such information; however, no Internet or email transmission is ever fully secure or error free. Therefore, you should take special care in deciding what information you send to us in connection with our services.

We allow our users access to their own personal information, and allow them to correct, amend, or delete inaccurate personal information, except where the burden or expense of providing such access is disproportionate to the individual privacy risk, or where the rights of persons other than the requesting individual risk being violated.

Communications with Coalition

If you are a Coalition policyholder, we may contact you regarding your policy, such as billing notices and confirmations of changes, by mail or through email. We will also use your email to provide you with updates about our products and services. We may also contact you by phone regarding timely matters such as late payment or other factors that might affect your policy.

When you register for an account, we will use your name and email address to send periodic emails to you of both promotional and transactional nature. You may choose to stop receiving promotional emails by following the unsubscribe instructions included in these emails or you can contact us at  [email protected].

International Data Transfers

Coalition has certified under the EU-U.S. Privacy Shield framework set forth by the U.S. Department of Commerce and the European Union. A detailed description of how we comply with the Privacy Shield Principles can be found here. For more information on the EU-U.S. Privacy Shield, please visit the U.S. Department of Commerce's Privacy Shield website .

ACCESSING OR USING OUR SITES OR SERVICES, OR OTHERWISE PROVIDING INFORMATION TO US, CONSTITUTES CONSENTING TO OUR POTENTIAL TRANSFER, PROCESSING, AND STORAGE OF SUCH INFORMATION IN THE UNITED STATES.

Notification of Changes

We take the trust and privacy of our customers extremely seriously, and do not believe that we will need to change the core principles set forth in this Policy going forward. However, if we are required to modify this Policy, we will promptly provide notice of any material changes and post the modified Policy on this website along with the effective date of any necessary edits.

Effective Date

This Policy was last updated on October 5, 2017.

Contact Information

Attention: Trust and Compliance
Coalition, Inc. 
1160 Battery St., Ste 350
San Francisco, CA 94111
[email protected]

Coalition’s products are offered with the financial security of Swiss Re Corporate Solutions* (A.M. Best A+ rating), Lloyd’s of London** (A.M. Best A+ rating), and Argo Pro US*** (A.M. Best A rating).
WHAT WE DO
© 2019 Coalition, Inc. | Licensed in all 50 states and D.C. | CA License # 0L76155
*Insurance products may be underwritten by North American Capacity Insurance Company, North American Specialty Insurance Company, or an affiliated company, which are members of Swiss Re Corporate Solutions. **Insurance products may be underwritten by Certain Underwriters at Lloyd's of London. ***Insurance products may be underwritten by Peleus Insurance Company, Colony Specialty Insurance Company, or an affiliated company, which are members of Argo Group US, Inc.