Last Updated: September 07, 2020
- Collection of Information.
Information you provide
Our technology makes it easier for you to get value and convenience from your insurance data by making it safer and easier to connect your personal insurance information to software applications created by our business customers (“Innovators”) that help you do things like verify your active insurance to close on a mortgage or drive a car, save money, cover a home or vehicle, or understand and select coverage options. When you connect your insurance accounts with a Developer application or otherwise connect your insurance accounts through us, we collect login information required by the provider of your account, such as your username and password, answers to challenge questions, or a security token (these are referred to below as your “Login Information”). When providing this information, you give the Developer and us the authority to act on your behalf to access and transmit your information from the relevant insurance institution. Your Login Information, together with any other information we gather through the Services that may be used to identify, contact, or locate you individually, are collectively referred to herein as your “Personal Information.”
Information collected from your insurance institutions
The information we receive from the insurance institutions that maintain your insurance accounts varies depending on the information made available by those institutions. But, in general, we collect the following types of information from your insurance institutions:
- Account information
- Information about policies, vehicles, and Personal Information related to providing accurate insurance data;
- Information about billing transactions, including amount, date, type, quantity, price, and a description of the transaction.
Information received from your devices
Information we receive about you from other sources
We also receive information about you directly from the relevant Developer. For example, our Innovators may provide information about which insurance institution you use, or what information they expect to receive from an insurance institution.
- Use of Information. We use the information we collect to operate, improve, and protect the services we provide, and to develop new services. More specifically, we use your Personal Information:
- To operate, provide, and maintain our Services;
- To verify your identity;
- To improve, enhance, modify, add to, and further develop our Services;
- To protect you, our Innovators, our partners, or Canopy Connect from fraud, malicious activity, and other privacy and security-related concerns;
- To provide customer support to you or to our Innovators, including to help respond to your inquiries related to our Service or our Innovators’ applications;
- To investigate any misuse of our service or our Innovators’ applications, including violations of their agreements with us, criminal activity, or other unauthorized access to our Services; and
- For any other purpose described to you when the information was collected.
We may also use your Personal Information in an aggregated, de-identified, or anonymized manner (that does not identify you personally) for any purpose permitted under applicable law. This includes creating or using aggregated, de-identified, or anonymized data based on the collected information to develop new services and to facilitate research.
- Disclosures & Transfers.
We may share your Personal Information with the Developer of the application you are using and as directed by that Developer (such as with another third party if directed by you). We may also share your Personal Information as directed by you.
From time to time we may employ third parties to help us provide and/or improve the Services. These third parties may have limited access to databases of user information or registered member information solely for the purpose of helping us to provide and/or improve the Services and they will be subject to contractual restrictions prohibiting them from using the information about our users for any other purpose. Such agents or third parties do not have any rights to use Personal Information beyond what is absolutely necessary to assist us.
We may disclose your Personal Information to third parties without your consent if we have reason to believe that disclosing this information is necessary to identify, contact or bring legal action against someone who may be causing injury to or interference with (either intentionally or unintentionally) our rights or property, other users of the Services, or anyone else (including the rights or property of anyone else) that could be harmed by such activities. We may disclose Personal Information when we believe in good faith that such disclosure is required by and in accordance with the law.
Please note that if you are using the Services at the request or as part of an organization, your organization’s account administrator may be able to view certain activity and content associated with your use of the Services, including, but not limited to, elements of your Personal Information.
- Non-US Users.
These Services are hosted in the United States and are intended primarily for visitors located within the United States. If you choose to use the Services from other regions of the world with laws governing data collection and use that may differ from U.S. law, then please note that you may be transferring your Personal Information outside of those regions to the United States for storage and processing. By providing your Personal Information through the Services, you consent to such transfer, storage, and processing.
The security of your Personal Information is important to us. We use commercially reasonable efforts to store and maintain your Personal Information in a secure environment. We take technical, contractual, administrative, and physical security steps designed to protect Personal Information that you provide to us. We have implemented procedures designed to limit the dissemination of your Personal Information to only such designated staff as are reasonably necessary to carry out the stated purposes we have communicated to you.
- Sharing Information with Third Parties.
- Access and Accuracy.
You have the right to access the Personal Information we hold about you in order to verify the Personal Information we have collected in respect to you and to have a general account of our uses of that information. Upon receipt of your written request, we will provide you with a copy of your Personal Information, although in certain limited circumstances we may not be able to make all relevant information available to you, such as where that information also pertains to another user. In such circumstances we will provide reasons for the denial to you upon request. We will endeavor to deal with all requests for access and modifications in a timely manner.
We will make every reasonable effort to keep your Personal Information accurate and up-to-date, and we will provide you with mechanisms to update, correct, delete or add to your Personal Information as appropriate. As appropriate, this amended Personal Information will be transmitted to those parties to which we are permitted to disclose your information. Having accurate Personal Information about you enables us to give you the best possible service.
- Notice to California Consumers.
Under California Civil Code Sections 1798.83-1798.84, California residents are entitled to ask us for a notice identifying the categories of Personal Information which we share with our affiliates and/or third parties for marketing purposes, and providing contact information for such affiliates and/or third parties. We do not share your personally identifiable information with third parties for the third parties’ direct marketing purposes unless you provide us with your express consent to do so.
Pursuant to the California Consumer Privacy Act of 2018 (“CCPA”), natural persons who are California residents have certain rights concerning their personal information held by us, as described below.
Personal Information Collection, Use, and Disclosure: The following table describes (i) the categories of personal information (as defined in the CCPA) we may collect about you; (ii) the sources from which that information is collected; (iii) the business and/or commercial purposes for collecting that information; and (iv) the categories of third parties to whom that information is disclosed.
|Category of Personal Information||Examples||Sources of Personal Information||Business and/or Commercial Purpose(s)||Disclosure of Personal Information|
|Identifiers||Name, email address, mailing address, phone number, signature, user ID, Login Information, IP address||You, Innovators||Performing the Services, maintaining the quality or safety of the Services, internal research, debugging, auditing and analysis of user interactions, advancing our commercial or economic interests, short-term, transient use, provided the personal information is not disclosed to another third party and is not used to build a profile about a consumer or otherwise alter an individual consumer’s experience outside the current interaction||We may disclose this information pursuant to the section above entitled “Disclosure of Your Information.”|
|Commercial information||Information regarding your insurance policies||You||Performing the Services, maintaining the quality or safety of the Services||We may disclose this information pursuant to the section above entitled “Disclosure of Your Information.”|
|Internet or other electronic network activity information||Browser type and settings, the date, time, and length of your visit, your browsing history, mobile carrier, application activity, system configuration information||You (including through the use of tools such as cookies and web beacons)||Performing the Services, maintaining the quality or safety of the Services, internal research, debugging, auditing and analysis of user interactions, advancing our commercial or economic interests||We may disclose this information pursuant to the section above entitled “Disclosure of Your Information.”|
|Professional or employment-related information||Employment history, employer name, position||You||Performing the Services, maintaining the quality or safety of the Services|
FOR PURPOSES OF THE CALIFORNIA CONSUMER PRIVACY ACT, WE DO NOT AND WILL NOT SELL YOUR PERSONAL INFORMATION.
California Privacy Rights: To the extent provided for by law and subject to applicable exceptions, California residents have the following privacy rights in relation to the personal information we collect:
- The right to know what personal information we have collected and how we have used and disclosed that personal information;
- The right to request deletion of your personal information; and
- The right to be free from discrimination relating to the exercise of the foregoing privacy rights.
Exercising Your Rights: California residents can exercise the above privacy rights by emailing us at email@example.com or calling us at 707-789-1110.
Verification: in order to protect your personal information from unauthorized access or deletion, we may require you to verify your login credentials before you can submit a request to know or delete personal information. If you do not have an account with us, or if we suspect fraudulent or malicious activity, we may ask you to provide additional personal information for verification. If we cannot verify your identity, we will not provide or delete your personal information.
Authorized Agents: you may submit a request to know or a request to delete your personal information through an authorized agent. If you do so, the agent must present signed written permission to act on your behalf and you may also be required to independently verify your identity with us.
- Contact Us.
You can help by keeping us informed of any changes such as a change of email address or telephone number. If you would like to access your information, if you have any questions, comments or suggestions, if you find any errors in our information about you, or if you have a complaint concerning our compliance with applicable privacy laws, please contact us at firstname.lastname@example.org or by mail at: Canopy Connect, Inc., 9450 SW Gemini Dr, PMB 37656, Beaverton, Oregon 97008 USA.