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Privacy Policy

Facts - What does PEMCO do with your personal information?

 

Why?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

  • Social Security number and payment history

  • Transaction history and medical information

  • Credit-based insurance scores and insurance claim history.

When you are no longer our customer, we continue to share your information as described in this notice.

How?

All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information, the reasons PEMCO chooses to share, and whether you can limit this sharing.

 
Reasons we can share your personal information Does PEMCO share? Can you limit this sharing?
For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus Yes No
For our marketing purposes – to offer our products and services to you Yes No
For joint marketing with other financial companies Yes No
For our affiliates’ everyday business purposes – information about your transactions and experiences Yes No
For our affiliates’ everyday business purposes – information about your creditworthiness No We do not share
For our affiliates to market to you No We do not share
For nonaffiliates to market to you No We do not share

Questions? Call 1-800-GO-PEMCO (1-800-467-3626)

 

Who we are

Who is providing this notice?

PEMCO Mutual Insurance Company and its affiliate, PEMCO Insurance Agency, Inc., collectively called “ PEMCO” throughout this document.

 

What we do

How does PEMCO protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

How does PEMCO collect my personal information?

We collect your personal information, for example, when you:

  • apply for insurance
  • open an account
  • pay your insurance premium
  • use your credit or debit card
  • file an insurance claim.

We also collect your personal information from others such as credit bureaus, affiliates, or other companies.

Why can’t I limit all sharing?

Federal law gives you the right to limit only:

  • sharing for affiliates’ everyday business purposes – information about your creditworthiness
  • affiliates from using your information to market to you
  • sharing for nonaffiliates to market to you.

State laws and individual companies may give you additional rights to limit sharing.

 

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies. The PEMCO family includes:

  • PEMCO Insurance Agency, Inc.
  • PEMCO Mutual Insurance Company

Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • We do not share with nonaffiliates so they can market their products to you.

Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • Our joint marketing partners include companies such as financial service providers.
 

Other important information

GO PEMCO App

  • If you voluntarily participate in our telematics usage-based insurance program, (Telematics Program), we will collect information about your driving behavior including but not limited to hard braking, excessive speed, phone motion, type of roads driven and collision information.
  • The app collects location data in order to evaluate your driving even when the app is closed or not in use.
  • Your information, which may include your location, will be used for research and development as described in our endorsement.
  • We may use and share this information with third parties as long as it is in a form that does not personally identify you, to improve its products, offer you content, products or services, and provide services or technologies to you.
 

Your Information

To see your information, write to us at PEMCO Mutual Insurance Company, PO Box 778, Seattle, WA 98111-0778, ATTN: Record Request. Please give us your full name, address, policy number, and the information you want. Within 30 days, we’ll share what we have. If you think any information is incorrect, you may write to us. Because we collect some information from other sources, we‘ll tell you who to contact to correct the information.

 

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Internet security

Information collected

PEMCO wants to improve your online experience with us. That’s why we want you to be aware of the type of information we collect during your online experience. We collect your name, address, and other information only when you provide it to us. When you provide this information we may be able to save some of it for a future visit to our site. For example, if you start a quote request, we save this information, using strong security protocols, so that if you return to our website you won’t have to re-enter the same information. Through a service we use with a third party, once you give us some basic information like your name, address and date of birth, we may be able to pre-fill your insurance information such as what vehicles you own and what drivers live in your home.

We use “cookies” and other analytical tools to track your visits to our websites, record information about your navigation of our website, and your use of our mobile applications. The information we obtain from cookies is non-personally identifiable information. This means we can’t identify you personally just because you visited our site. We are simply adding your experience to statistics we compile about the use of our websites. Our mobile and social media sites may also collect non-personally identifiable demographic information about you (such as age, gender, city and state). We count the number of downloads of our mobile applications, how many visitors we have on our social media sites, and how many viewings we have of our website.

We use these statistics to develop new services and improve our online content. We want to know what you like and dislike about our site, and where you may have trouble navigating our website. Although most browsers allow you to disable cookies this may cause you to have to enter information more than once because the history on our website is not saved. Rest assured the information within these cookies are encrypted and our security measures are designed to prevent others from accessing any of your information.

We also may use advertising companies to display our ads on other Websites. These advertising companies may collect non-personally identifiable information about the websites you visit and what you purchase to display ads about products and services that may interest you. We may also share information about your use of our website with these companies in order to collect market research.

Website security

The privacy and confidentiality of your information is important to us. We use strong security protocols to help protect your data from access while it is in transit. This means that we encrypt your data while it is being sent. Only those who have a job reason to access our servers are permitted to access the servers. Our employees subscribe to a Code of Ethics and are aware of the privacy of personal information.

All personal data transactions on our website are handled with 128-bit SSL (Secure Socket Layer) encryption (the industry standard). An encrypted SSL connection requires all information sent between a client and a server to be encrypted, protecting private information from interception over the Internet.

The member account portion of our website is available only to policyholders. You are allowed access to your policy and account information in a private and secure manner. This means to access the quote, policy and billing information pages you also need to use a web browser that supports 128 bit encryption. Our web pages can be accessed by users of Microsoft Internet Explorer 6 and more recent versions. You can also reach our website through use of Google Chrome, Safari and Firefox.

Email

In general, Internet email messages are not secure, unless they are encrypted. You should use discretion before submitting any personal or financial information via email. Information communicated via email messages traveling through the Internet may be intercepted, collected, used or disclosed by others. If you are concerned about the security of email communications, please send your forms or correspondence through the postal service or use the telephone to contact us directly.

Updated June, 2022