CCPA Privacy Policy

CCPA Privacy Policy for California Residents

We adopt this privacy notice to comply with the California Consumer Privacy Act, as amended by the California Privacy Rights Act (collectively “CCPA”). The notice applies only to California residents to the extent personal information is subject to the CCPA. The notice does not apply to information exempt from the requirements of the CCPA, such as information from government records or information made available to the general public, deidentified or aggregated information, or information governed by other laws such as the Gramm-Leach-Bliley Act (GLBA), California Financial Information Privacy Act (FIPA) or the Fair Credit Reporting Act (FCRA). The notice explains the information we collect, why we collect it, how we use and share it, and your rights concerning your personal information.

Information We Collect

We collect information that identifies, relates to, describes, references, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer, household, or device ("personal information").

We have collected the following categories of personal information from consumers within the last twelve (12) months:

Category	Examples	Collected
A. Identifiers.	A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security number, driver's license number, passport number, or other similar identifiers.	YES
B. Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)).	A name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number, driver's license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information. Some personal information included in this category may overlap with other categories.	YES
C. Protected classification characteristics under California or federal law.	Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information).	YES
D. Commercial information.	Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.	YES
E. Biometric information.	Genetic, physiological, behavioral, and biological characteristics, or activity patterns used to extract a template or other identifier or identifying information, such as, fingerprints, faceprints, and voiceprints, iris or retina scans, keystroke, gait, or other physical patterns, and sleep, health, or exercise data.	NO
F. Internet or other similar network activity.	Browsing history, search history, information on a consumer's interaction with a website, application, or advertisement.	YES
G. Geolocation data.	Physical location or movements.	NO
H. Sensory data.	Audio, electronic, visual, thermal, olfactory, or similar information.	YES
I. Professional or employment-related information.	Current or past job history or performance evaluations.	YES
J. Non-public education information (per the Family Educational Rights and Privacy Act (20 U.S.C. Section 1232g, 34 C.F.R. Part 99)).	Education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records.	NO
K. Inferences drawn from other personal information.	Profile reflecting a person's preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.	YES
L. Sensitive Personal Information	Account log-in, financial account, debit card, or credit card in combination with any required security or access code, password, or credentials allowing access to an account.	YES

We obtain the categories of personal information listed above from the following categories of sources:

Directly from you. For example, from quote requests and applications submitted to us.
From your transactions with us. For example, from payment and claim activity.
From government agencies and aggregators of public records. For example, information about your home.
From consumer reporting agencies. For example, information regarding you, your property, your prior claims history or your credit history.
From third parties as permitted by law, such as agents, brokers, and service providers.
From your online interactions with us, we and analytics companies may automatically collect information about your use and access to our website.
From publicly available sources.

Use of Personal Information

We may use or disclose the personal information we collect for one or more of the following business purposes:

Facilitate, fulfill or meet the reason you provided the information, provide you services and products, take actions within the context of our ongoing business relationship with you, and perform our contract with you. For example, if you share your name and contact information to request a quote or ask a question about our products or services, we will use that personal information to respond to your inquiry. If you provide your personal information to purchase insurance, we will use that information to issue your policy, to adjust your claim when you report a loss and to process your payment. We may use that personal information to obtain an inspection of your property. We may also save your information to facilitate future transactions.
Manage your claim. For example, conduct claim investigations, conduct medical examinations, and conduct inspections and appraisals.
Market, sell and provide insurance.
Day to day business and insurance operations.
Communicate with you.
Update or correct our records.
Determine eligibility for an insurance benefit or payment.
Obtain consumer reports.
Provide information to insurance support organizations to detect or prevent fraud.
Create, maintain, customize, and secure your account with us.
Process your requests, payments, and claims transactions, and prevent transactional fraud.
Provide you with support and to respond to your inquiries, including to investigate and address your concerns and monitor and improve our responses.
Respond to law enforcement requests, comply with laws, regulations or other legal obligations, assist in an investigation, exercise and defend our rights and positions or the rights of third parties, enforce terms and conditions, or meet our obligations. We may also use your personal information to prevent suspected fraud, threats to our network or other illegal activities, prevent misuse or for any other reason permitted by law.
Perform analytics and research to improve, develop, and protect our websites, services and products.
As described to you when collecting your personal information or as otherwise allowed by law.

We do not market products or services to children under the age of sixteen and make no effort to collect personal information from children under the age of sixteen. We do not knowingly sell or share for cross-context behavioral advertising the personal information of children under the age of sixteen. Our websites are not intended for children.

Sharing of Personal Information

We may share your personal information with the following categories of third parties:

Service providers, such as financial institutions to process your payments, agents, brokers, and companies involved in insurance and other business transactions, inspection companies to perform inspections of your property, independent adjusters, contractors, and vendors to assist in evaluating, processing, and managing your claims, and third parties who assist in determining an individual’s eligibility for an insurance policy or provide support for our services and operations.
Your representatives and other third parties designated by you.
Medical professionals as necessary to determine coverage or benefits.
Another insured, claimant or their representatives.
Legal, tax, financial, accounting and other professional service providers.
Data analysis and application service providers.
Administrative service providers.
Security service providers.
Consumer reporting agencies and insurance support organizations.
Law enforcement, regulators, and other parties for legal reasons, as required by law or subpoenas, or if we believe such actions are necessary to comply with the law and the requests of regulators, law enforcement or other public authorities, or to protect our or others safety, rights or property, or to investigate fraud or protect the security or integrity of our products and services, or other companies and parties as permitted by law.

In the preceding twelve (12) months, we have disclosed the following categories of personal information for a business purpose:

Category A: Identifiers.
Category B: California Customer Records personal information categories.
Category C: Protected classification characteristics under California or federal law.
Category D: Commercial information.
Category F: Internet or other similar network activity.
Category H: Sensory data.
Category I: Professional or employment related information.
Category K: Inferences drawn from other personal information.
Category L: Sensitive Personal Information

We do not sell your personal information, including any sensitive personal information, for monetary compensation. If you visit westernmutual.com or our other websites, we may share (as defined under CCPA) some personal information (e.g. IP address, device ID) with service providers such as Google for cross-context behavioral advertising to display targeted advertisements to you.

Retention of Personal Information

We retain personal information for as long as necessary or permitted for the purposes described in this notice or otherwise authorized by law, including satisfying any legal, accounting, regulatory, reporting or business requirements, establishing or defending legal claims, and satisfying record retention requirements.

Use of Internet Cookies, Google Analytics and IP Addresses

A "cookie" is a random set of characters that allows us to track our users’ traffic patterns as well as providing assistance during the quoting process. The cookies we assign to you will expire. Cookies cannot read personal information off your hard drive nor will we use them to store or transmit any harmful personal information about you. Additionally, a cookie is only recognizable by the web site that created it – another web site or server will not be able to use the cookie or access any information stored in it.

You can disable your browser from accepting cookies. Refusing cookies will not prevent you from using any part of this website. However, the information we are able to gather through cookies regarding web traffic and usage patterns on our website helps us identify user or server problems, administer our site and provide insight into how to improve our visitor’s total web experience. Most browsers will give you the option to specify that you be prompted before any website puts a cookie on your hard drive – granting you the opportunity to accept or refuse the cookie. More information on cookies can be found in the Help section of your internet browser.

This site uses Google analytical tools to track usage and activities on our website to help improve the overall user experience and display targeted advertisements to you. To find out more about how Google uses data when you use a partner’s site and learn how to manage the settings for targeted advertisements, please go to https://policies.google.com/technologies/partner-sites.

An IP address is a unique number assigned to your computer each time you log on to use the internet. We use IP addresses to analyze web traffic, user trends, track users' movement within our sites and gather broad demographic information for aggregate use.

Internet Links – Partners

This website may contain links to other internet sites. Please be aware that we are not responsible for the privacy practices of such other internet sites. We encourage our users to read the privacy statements of each and every web site that is linked to or from our site.

Your Rights and Choices

The CCPA provides you specific rights regarding your personal information. This section describes your CCPA rights and explains how to exercise those rights.

Right to Know

You have the right to request that we disclose certain information to you about our collection and use of your personal information over the past 12 months. Once we receive and confirm your verifiable consumer request, we will disclose to you:

The categories of personal information we collected about you.
The categories of sources for the personal information we collected about you.
Our business or commercial purpose for collecting that personal information.
The categories of third parties with whom we share that personal information.
The specific pieces of personal information we collected about you.

Right to Delete

You have the right, subject to certain exceptions, to request that we delete your personal information that we collected from you and are maintaining. Once we receive and confirm your verifiable consumer request, we will delete (and direct our service providers to delete) your personal information from our records, unless an exception applies. We may deny your deletion request if retaining the information is necessary for us or our service provider(s) to:

Complete the transaction(s) for which we collected the personal information, provide a good or service that you requested, take actions reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform our contract with you.
Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities.
Exercise free speech, ensure the right of another consumer to exercise their free speech rights, or exercise another right provided for by law.
Comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546 et. seq.).
Enable solely internal uses that are reasonably aligned with consumer expectations based on your relationship with us.
Comply with a legal obligation.
Make other internal and lawful uses of that information that are compatible with the context in which you provided it.

Right to Correct

If you believe that personal information we maintain about you is inaccurate, you have the right, subject to certain restrictions, to request that we correct that information. We may request that you provide documentation to support your request to correct.

Right to Opt Out

You have the right to opt out of the sale of your personal information or the sharing of your personal information for cross-context behavioral advertising. However, we do not sell your personal information.

Right to Limit

You have the right to limit sensitive personal information use and disclosure to specifically permitted purposes. However, we do not use or disclose sensitive personal information for purposes other than the specifically permitted purposes.

Right to Non-Discriminate

You have the right not to receive discriminatory treatment by us for the exercise of your CCPA rights.

Exercising Your CCPA Rights

To exercise the rights described above, please submit a verifiable consumer request to us by either:

Calling us at 800-234-2103
Emailing us at [email protected]
For current policyholders, by logging in to our Customer Service Center and completing the CCPA Request Form

Only you, or someone legally authorized to act on your behalf, may make a verifiable consumer request related to your personal information. You may also make a verifiable consumer request on behalf of your minor child.

You may only make a verifiable consumer request for access or data portability twice within a 12-month period. The verifiable consumer request must:

Provide sufficient information that allows us to reasonably verify you are the person about whom we collected personal information or an authorized representative.
Describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it.

We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you.

Making a verifiable consumer request does not require you to create an account with us. However, we do consider requests made through your password protected account sufficiently verified when the request relates to personal information associated with that specific account.

We will only use personal information provided in a verifiable consumer request to verify the requestor's identity or authority to make the request.

Response Timing and Format

We will confirm receipt of a verifiable consumer request within ten (10) business days and endeavor to respond within forty-five (45) days of its receipt. If we require more time (up to 90 days), we will inform you of the reason and extension period in writing.

If you have an account with us, we will deliver our written response to that account. If you do not have an account with us, we will deliver our written response by mail or electronically, at your option.

Any disclosures we provide will only cover the 12-month period preceding the verifiable consumer request's receipt. The response we provide will also explain the reasons we cannot comply with a request, if applicable. For data portability requests, we will select a format to provide your personal information that is readily useable and should allow you to transmit the information from one entity to another entity without hindrance.

We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.

Changes to Our Privacy Notice

We reserve the right to amend this privacy notice at our discretion and at any time. When we make changes to this privacy notice, we will post the updated notice on the Website and update the notice’s effective date. Your continued use of our website following the posting of changes constitutes your acceptance of such changes.

Contact Information

If you have any questions or comments about this notice, the ways in which we collect and use your information described here, your choices and rights regarding such use, or wish to exercise your rights under California law, please do not hesitate to contact us at:

Phone: 800-234-2103

Website: westernmutual.com

Email: [email protected]

Postal Address:

Western Mutual Insurance Group
Attn: Privacy Officer
PO Box 19626
Irvine, CA 92623-9626

Download our CCPA Consumer Request form here.

Last Updated August 1, 2024

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