To allow us to serve the needs of our customers and to respond to those needs in a timely manner, Americas Insurance Company may collect information about you or your home and your property. This information is described below in "The Personal Information We Collect".
The Personal Information We Collect
Americas Insurance Company collects personal information about you in order to conduct business operations, provide customer service, improve existing products and offer new products and to satisfy legal and regulatory requirements.
We may collect the following types of information about you from the indicated sources:
- Information we receive directly from you, including information from applications, questionnaires, claim forms, claims interviews or other documents (such as your name, address, driver’s license number, social security number and types of coverage requested).
- Information about your transactions with us, our affiliates or others (such as products or services you purchased, account balances and payment history).
- Information we receive from consumer reporting agencies or from other non-affiliated sources. This information may include prior loss information, credit reports, motor vehicle reports and demographic information.
- Information on your home that we or an inspector from an independent company may obtain by visiting your property to inspect and report on its condition. Photos of your home and premises may be taken. In some instances, if we require additional information, we may need to enter your home to complete this inspection. In all instances, we will contact you to obtain approval and to schedule an appointment prior to the inspection visit.
The Personal Information We Share
Americas Insurance Company may disclose all of the personal information we collect, as described above, within the limitations described below.
Sharing Personal Information with Others
Americas Insurance Company may disclose personal information we collect in the normal process of conducting insurance operations to affiliated and non-affiliated parties for processing, servicing and administering transactions on our behalf, such as insurance producers or agents, businesses that assist us with data processing, reinsurers, appraisers, auditors, claims adjusters, third party administrators and consumer reporting agencies as reasonably necessary in connection with any application, policy or claim involving you. We may also disclose your personal information in response to a subpoena, to detect or prevent fraud or to comply with an inquiry or requirement of a government agency or regulator or as otherwise permitted by law.
Sharing Personal Information for Joint Marketing Purposes
Americas Insurance Company may provide information to your insurance agent or broker, who may market insurance products and services on our behalf, and to third parties who perform functions for us. We do not currently share your information with non-affiliate companies that would use it to contact you about their own products and services.
Confidentiality and Security of Personal Information
Access to personal information is limited and allowed for business purposes only. The people who may have access to your information, including our employees, affiliates and persons or other organizations that represent us in servicing your policy and claims are obligated to protect your personal information and keep it confidential. Americas Insurance Company maintains physical, electronic and procedural safeguards to protect the security of your personal information.
Personal Health Information
Under certain circumstances, we may collect personal health information on customers for underwriting or claims purposes, such as information regarding an accident, disability or injury. Americas Insurance Company does not disclose your personal health information to others for the purposes of marketing to you.
Personal Information of Former Customers
Website Portal Access and Passwords
Access to the Insured and Agent Portals require authentication for access. Initial access to the Insured Portal requires creating an account with your policy number and personal contact information. Agents will receive instruction for account creation from an Americas Marketing Representative. Creating an account authorizes Americas to act on instructions received under your password without a need to question those actions. Unauthorized use of or access to these portals is prohibited and may result in criminal and/or civil prosecution. Authorized users of these areas are responsible for maintaining the security/confidentiality of their login credentials. Do not share your credentials with anyone. Americas will not ask you for your password and will not be responsible if you do not properly secure your password or if you choose to share your password with anyone else. Promptly change your password if you believe that it has been compromised. Please contact Americas immediately if you suspect any unauthorized activity related to your account.
"Customer" and "you" mean any individual who obtains or has obtained a financial product or service from Americas Insurance Company that is to be used for personal, family or household purposes. This notice applies to customers only.
"Personal Information" means nonpublic personal information, which is defined by law as personally identifiable financial information that you provide or Americas Insurance Company otherwise obtains in connection with a transaction or any service performed for you by Americas Insurance Company. Personal information does not include publicly available information as defined by applicable law.