Privacy Policy

WE MAKE PRIVACY A PRIORITY

People’s Trust Insurance Company and its affiliates (“People’s Trust”) appreciate the opportunity to meet your homeowners insurance needs. In doing so, we will obtain and develop personal information about you. We consider this information to be confidential, and we have procedures to protect this information against unlawful use and disclosure.

We will disclose your personal information only as necessary to process your requests for insurance, to provide services to you as a policyholder or claimant, and as otherwise allowed or required by law. This Privacy Policy describes how we obtain and use information about you, and how we protect that information. This statement applies to our affiliates identified below and applies both to current and former customers.

Personal Information We Collect

We obtain personal information about you and members of your household from several sources in connection with underwriting, processing, and servicing insurance transactions. In many instances, we obtain our information directly from you or through your agent. This might include information you submit as part of your insurance application or as part of other interactions you have with us. In these instances, we may learn personal information such as your name, address, telephone number, e-mail address or other identifiers, existing or requested coverages, claims history, insurance risk characteristics, and similar information.

We also will learn information about you during the course of your policyholder relationship with us. For example, we might learn information about your current or past coverages and related information, your premium levels, your payment information and history, your insurance score, your claims history, and other information. We also will learn information such as your requests to add or delete coverages or your personal contact information. Finally, we might receive information from outside vendors that furnish us with information relating to your eligibility for insurance, your existing or prospective policy, and your claims. These vendors may include consumer reporting agencies, home inspection companies, claims adjusting firms, statistical or reporting bureaus, or other sources.

Personal Information We Collect For Internet, Mobile, and Social Media Users

 
If you visit an Internet site that we maintain, we might obtain information about you that will enable us to identify you as an user, including your name, user name, password, and password reminders. We will obtain information about your web browser, IP address, operating system, and similar information to improve the performance and operation of our site. We also may collect information about your visit, including the web pages you view, the links you choose, and other actions taken on the site. Our mobile and social media applications may also collect non-personally identifiable demographic information such as age, sex, and city/location about the user of each application. Our website may use small text files, known as “cookies,” placed on your hard drive to help personalize your online experience. Cookies contain information that can later be read by a web server in the domain that issued the cookie to you. Cookies store your preferences and can save you time by eliminating the need to repeatedly enter the same information when you visit our website. You may have the ability to accept or decline cookies. Most web browsers automatically accept cookies, but you usually can modify your browser setting to decline cookies. If you choose to decline cookies, you might not be able to use certain features of our website, or you might have to re-enter certain information in order to do so.

If you click on a link to a third party site, you will be taken to websites we do not control. This Policy does not apply to the privacy practices of that website. Please read the privacy policy of other websites carefully. We are not responsible for these third party sites.

Our Use of Your Personal Information

 
We use personal information to determine premiums, offer and provide our services, communicate with you and carry out transactions you have requested, and enhance our customer service and operations. We do not share the information we collect with other parties, except our affiliates, nonaffiliated parties performing services for us by contract, and as otherwise permitted by law. We may share information among members of our corporate group in order to provide you with access to products and services the group may offer from time to time and to improve our service to you. The information we share among affiliates is limited to information about your transactions and experiences with us and to information that we otherwise are permitted to disclose by law.

When we provide information to parties performing contractual services for us, we require those parties to preserve the confidentiality of your personal information. As indicated above, we also might share information that we obtain about you with nonaffiliated parties as allowed or required by law. This means that we will share information with parties as necessary to effect, administer, or enforce transactions that you request. For example, we might provide information about you and your policy to a company that prints and mails our insurance policies or to a company that adjusts any claims you may have. We also are permitted or required to share information with certain other parties listed in federal law and state rules, such as insurance advisory organizations, our attorneys and accountants, consumer reporting agencies, and civil and regulatory authorities.

How We Protect Your Personal Information

 
We maintain physical, electronic, and procedural safeguards to ensure the confidentiality of the personal information we obtain about you. We restrict access to your personal information to those persons who need to know that information to provide services to you. All employees, agents, affiliates, and third parties are required to adhere to our strict privacy standards.

This Privacy Policy describes our practices for current and former customers. If there is more than one person insured under this Policy, only the named insured on the policy will receive this Policy, though additional insureds may request a copy of this Policy. Please share this information with everyone insured by the policy.

We reserve the right to modify this Policy at any time. If we make material changes, we will provide a revised Policy.

People’s Trust Insurance Company will continue to work to protect the privacy of our customers.

Our Privacy Policy applies to the following affiliates in the People’s Trust family of companies:

• People’s Trust Holdings, LLC
• People’s Trust Insurance Company
• People’s Trust MGA, LLC
• PTI Agency, LLC
• Topline Insurance
• GS Two, LLC
• GS Deerfield, LLC
• Deerfield Trust, LLC
• The DPF Store, LLC
• G & I Commercial Realty, LLC
• Rapid Response Team, LLC
• Rapid Response Team Roofing, LLC
• DEL Re Holdings, Inc.
• DEL Re Ltd.
• Home Inspection Services, LLC

This summary of our practices is furnished for your information. No action is required by you upon receipt of this notice.