This Online Privacy Statement (“Privacy Statement”) describes the privacy practices of Adirondack Insurance Exchange and the affiliated companies whose websites and mobile apps link to this Privacy Statement (“Adirondack,” “we,” “our” or “us”). This Privacy Statement explains the information we collect, why we collect it, how we use and share it, and the choices you can make regarding your information.
Adirondack’s insurance customers may also receive a privacy statement for insurance products in the initial policy package and annual policy documents. Those customer privacy statements may contain additional privacy information relating to your customer relationship with us. Those privacy statements and this Online Privacy Statement should be read together.
Adirondack collects personal and other information about you. Personal information is information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked (directly or indirectly) with you. Other, non-personal information does not reveal an individual’s identity such as information that has been deidentified or aggregated. The type and amount of information we collect varies based on what products and services you have with us.
We collect personal information about you in several ways from several sources. We collect personal information directly from you including when you sign up for services, buy a product, subscribe to a membership or mailing list, set up an account with us, or during the quoting, registering, application, and claims handling. We and service providers working on our behalf collect unique tracking information from you such as IP address when you use one of our websites otherwise engage with us through a computer or mobile device (“Sites”). We also collect personal information about you from third parties such as consumer reporting agencies, state agencies, such as departments of motor vehicles, service providers, marketing companies and data providers, as well as individuals such as your spouse or your parent.
We collect the following categories of personal information:
| Categories | Examples |
|---|---|
| PERSONAL IDENTIFIERS | Name, alias, signature, postal address, phone number, date of birth, unique personal identifier, online identifier, email address, internet protocol (IP) address, state identification card number, account name, Social Security number, driver's license number, passport number or other similar identifiers. |
| PERSONAL CHARACTERISTICS | Age, race, ancestry, national origin, citizenship, religion, marital status, medical condition, physical or mental disability, sex (including gender, gender identity or gender expression), pregnancy, childbirth and related medical status, sexual orientation, veteran or military status, genetic information (including familial genetic information) or other descriptions of your physical characteristics (e.g., height). |
| COMMERCIAL INFORMATION | Service or product related information including policy coverage information, premiums, account name, policy number, payment history, claims history, records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies, account log-in, bank account number, credit or debit card number, other payment or financial information, health insurance information, driving record, credit information, medical history, or family member information. |
| INTERNET OR OTHER ELECTRONIC NETWORK ACTIVITY INFORMATION | Browsing history, search history, information regarding your interaction with our website, application or advertisement, links you use or web pages you visit while visiting our site or applications, browser type, internet service provider (ISP), cookies, and mobile device information including device identifier or other information. |
| GEOLOCATION DATA | Physical location, movements, or trip tracking information. |
| PROFESSIONAL OR EMPLOYMENT INFORMATION | Employment history, union membership, some contents of mail, e-mail and text messages on company devices, applications or communication platforms. |
| EDUCATION INFORMATION | Education records, grades or transcripts. |
| INFERENCES | Inferences drawn from any personal information collected to create a profile reflecting preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes. |
Some personal information we collect is defined under the law as sensitive personal information. Sensitive personal information we collect includes Social Security number, driver’s license number, state identification card number, customer account log-in, financial account number, debit card number, credit card number in combination with any required security or access code, password, or credentials allowing access to an account, racial or ethnic origin, religious beliefs, union membership, genetic data, and personal health information.
We use your personal information for business purposes including to:
We collect some information used for these purposes using analytics software, cookies, and other tracking technologies. For more information about the collection and use of this information, see Cookies and Other Tracking Technologies below.
We use sensitive personal information only as reasonably necessary to perform or maintain the services or provide goods you requested, to perform services on behalf of the business such as maintaining or servicing accounts, processing payments, to provide analytics services or similar services, to detect security incidents, resist malicious, deceptive, fraudulent, or illegal actions and to prosecute those responsible for those actions, to ensure customers and other peoples’ physical safety, to verify or maintain the quality or safety of service, improve, upgrade or enhance service, or other reasons that do not require an opt-out of this use.
We do not market any products or services to children under the age of thirteen or knowingly collect any information from children under the age of thirteen. We do not knowingly sell or share for cross-context behavioral advertising the personal information of consumers under the age of sixteen. Our website is not intended for children.
We share personal information with other companies for various business purposes and strive to work with companies that share our commitment to privacy. We may share your personal information with our affiliates for business purposes consistent with the uses described in this Privacy Statement and we may also share personal information about you with third parties whenever you consent to or direct such sharing. We may share information with others in an aggregated or de-identified form that does not reasonably identify you. We do not sell your personal information. We may share any of the categories of personal information described above with service providers and other third parties for business purposes or as required or permitted by law including with:
Our service providers and third-party marketing and advertising partners include Adobe, Google and Microsoft. To learn about Adobe Analytics privacy practices or to opt-out of Adobe cookies, visit Adobe Privacy Center. To learn more about Google’s privacy practices and to manage privacy controls, visit Google Privacy Center. To access and use the Google Analytics Opt-out Browser Add-on, visit Google Opt-out. To read more about Microsoft’s privacy practices, visit the Microsoft Privacy Statement.
We retain personal information in accordance with applicable laws or regulatory requirements and also for as long as necessary to fulfill the purposes for which it was collected and to fulfill the business or commercial purposes that are explained in this Privacy Statement.
Technologies and Information Collected: We, our service providers operating on our behalf and third parties, may collect information about your activity on, use of and access to our Sites using a variety of tracking technologies, including cookies, Flash objects, web beacons (also called pixel tags), embedded scripts, location-identifying technologies, and similar technology (collectively, “tracking technologies”). Information we may collect this way may be combined with other personal information we collect directly from you. The information collected in this manner includes:
Use of the Information: The information collected through tracking technologies allows us to provide you with an improved, enhanced, and personalized customer experience, to monitor and improve our Sites and for other internal purposes such as:
General Choices Regarding Cookies: If you prefer not to accept cookies, most browsers will allow you to manage cookies in your browser settings to disable or block cookies, remove existing cookies, automatically accept cookies or to notify you when you receive a cookie. These settings are browser or device specific. Options available may vary by browser. However, if you disable, modify, or reject cookies, some parts or functionalities of our Site may be inaccessible or not function properly. For example, disabling cookies may require you to repeatedly enter information to take advantage of services or promotions. Also, if you clear your cookies on your browser or make selections using a different device or browser, you may need to redo your cookie settings.
Targeted Online Advertising and Do Not Track: We or our marketing and advertising service providers may use information about your activities on our Sites or other websites, to help tailor our advertisements or offers to what may interest you — also called interest-based or targeted advertising. The information is collected using the tracking technologies explained above. To limit interest-based advertising visit Interest-based Advertising Opt-out.
You may continue to see generic or non-targeted ads about our products and services if you opt-out of interest-based advertising. Although we do our best to honor the privacy preferences of our visitors, we are currently not able to respond to “Do Not Track” signals from your browser.
Various federal and state laws provide privacy rights to consumers including the right to know, access, delete, or correct personal information, the right to opt-out of sharing of personal information with affiliates for marketing or the right to opt-out of receiving email marketing. These rights differ by state and also by the type of products and services you have with Adirondack.
Email Marketing Choices and Other Notifications: We may send you email marketing communications about products, features and services that may be of interest to you. To opt out from receiving marketing and promotional emails from us, please send us a request by email at Service@NGIC.com or click the unsubscribe link located at the bottom of each communication. If you opt out from receiving marketing emails, we may still send you non-marketing emails such as emails about your products or services, responses to your requests and inquiries, or notices of updates to terms and conditions or our privacy practices.
If you use My Account you can also manage email and other notifications and marketing preferences via the Notifications in the Settings menu. In the Mobile App, you can also manage email, notifications, and marketing preferences via the Notifications section in the Profile & Settings page.
Insurance Customers’ Right to Access, Review and Correct Personal Information: Adirondack insurance product customers can request to see or access their recorded personal information at any time. To do this, please contact your agent or send a letter to Adirondack, PO Box 3199 Winston-Salem, NC 27102-3199, with your request. Proper identification may be required to fulfill the request. If you believe our information is incomplete or inaccurate, you can request that we correct it, and we will make corrections if possible. Please note we may not be able to provide information relating to investigations, claims, litigation, and other matters. We will respond to all such requests within a reasonable time. We can’t change information provided to us by other companies like consumer reporting agencies. You will have to contact them directly.
You may also update, delete, or modify your account profile information at any time by logging into your online account and making updates, or you may call us to correct the information.
Personal Information Sharing Preferences: We would like to share your personal information with one or more of our affiliates and trusted nonaffiliated companies in order to make you aware of different products, services and offers they can provide. However, you can request that Adirondack not share your personal information with these companies for marketing products and services. For information about Adirondack’s affiliates, see the Affiliates section at the end of this Privacy Statement.
To request that we not allow other Adirondack affiliates use your personal information to market their products and services, please call us at 1-844-874-3609 twenty-four hours a day, seven days a week. Please keep in mind that it may take up to four weeks to process your request. If you previously contacted us and asked us not to allow other Adirondack affiliates to use your personal information, your previous choice still applies, and you do not need to contact us again. If you would like to change your previous choice, please call the number above at any time.
Protecting your personal information is important to us. We use a combination of reasonable technical, administrative, and physical safeguards to protect your personal information. However, no website, mobile application, database, or system is completely secure or "hacker proof." So, we cannot guarantee its absolute security. You are also responsible for taking reasonable steps to protect your personal information against unauthorized disclosure or misuse.
We limit access to your personal information to those who need it to do their jobs. We comply with all applicable federal and state data security laws.
Please note that the privacy team cannot assist with policy-related requests. If you should have questions or concerns about our privacy practices, please contact us at 1-844-874-3609.
We may periodically update or revise this Privacy Statement. The effective date at the top of the document shows when this Privacy Statement was last revised. We will let you know when we update the Privacy Statement by changing the date or other appropriate means.
This Privacy Statement describes the privacy practices of Adirondack and its affiliates whose websites and mobile apps link to this Privacy Statement.
Personal information may be shared for marketing purposes among Adirondack and Adirondack’s affiliates linking to this Privacy Statement as well as other affiliated companies that have separate online privacy statements. To see the list of affiliated companies, click here.
