Thank you for choosing Western Sky Insurance as your trusted partner in securing comprehensive insurance solutions for your auto, home, life, and commercial needs. At Western Sky Insurance, we understand the importance of safeguarding your privacy and protecting your personal information. This detailed Privacy Policy is designed to provide transparency and ensure compliance with legal requirements regarding the collection, use, sharing, and protection of your data across all facets of our insurance brokerage services.
Western Sky Insurance, herein referred to as "the Company" or "we," operates as a leading provider of insurance brokerage services covering auto, home, life, and commercial insurance segments. This Privacy Policy serves as a formal declaration of our commitment to safeguarding the privacy and security of your personal information across all insurance domains. By engaging with our services, you signify your understanding and acceptance of the practices outlined herein.
In order to effectively provide insurance services tailored to your individual needs across auto, home, life, and commercial insurance segments, we collect various types of information, including but not limited to:
- Auto Insurance: Vehicle details, driving history, and personal identifiers necessary for premium calculation and policy issuance.
- Home Insurance: Property details, ownership information, and residential history for accurate risk assessment and coverage determination.
- Life Insurance: Health information, financial details, and beneficiary designations essential for underwriting and policy issuance.
- Commercial Insurance: Business information, operational details, and risk assessment data required for tailored coverage solutions.
We utilize the information collected for diverse purposes across all insurance segments, including:
- Service Provision: Processing insurance applications, issuing policies, and effectively managing claims across auto, home, life, and commercial insurance domains.
- Personalization: Tailoring insurance recommendations and communications to align with your unique needs and preferences across all insurance segments.
- Service Enhancement: Analyzing data to refine our products, services, and customer experiences across auto, home, life, and commercial insurance domains.
- Compliance and Legal Obligations: Fulfilling regulatory requirements and obligations under applicable laws across all insurance segments.
We uphold strict confidentiality standards and do not disclose personal information to any external parties unless permitted by law. Permissible disclosures may include sharing information with:
- Third-party service providers engaged in claims investigations, medical examinations, inspections, appraisals, or roadside assistance across all insurance segments.
- Affiliated companies, reinsurers, and regulatory authorities involved in auto, home, life, and commercial insurance transactions.
- Consumer reporting agencies for obtaining loss history, motor vehicle reports, or credit information relevant to auto insurance.
- State Motor Vehicle Departments for compliance verification or accident reporting related to auto insurance.
- Law enforcement or government agencies for suspected illegal activities or regulatory compliance across all insurance segments.
- Organizations conducting insurance actuarial or research studies relevant to auto, home, life, and commercial insurance domains.
- Marketing service providers as part of joint agreements or to facilitate the offering of financial products across all insurance segments.
We maintain robust physical, electronic, and procedural safeguards to protect your nonpublic personal information in compliance with applicable laws and regulations across all insurance segments. Access to your information is restricted to authorized personnel who require it for service provision. We do not engage in the sale of personal information to mass marketing or telemarketing companies across any insurance segment.
In accordance with our commitment to transparency, Western Sky Insurance operates in compliance with all applicable laws and regulations governing data collection, including the California Consumer Privacy Act (CCPA) and the General Data Protection Regulation (GDPR). We collect various categories of data relevant to auto, home, life, and commercial insurance segments, including:
- Identifiers, such as name, address, Social Security Number, and driver’s license number, relevant to auto insurance.
- Personal information, encompassing details related to physical characteristics, health, employment, and financial status, across all insurance segments.
- Protected classification characteristics, including age, race, gender, and veteran status, relevant to all insurance segments.
- Commercial information, such as purchase history and transaction records, applicable to commercial insurance.
- Internet activity, including browsing history and interaction with our online platforms, relevant to all insurance segments.
- Inferences drawn from collected data, aiding in the customization of services and product offerings across all insurance segments.
- Risk and claims data, essential for insurance underwriting and claims management across all insurance segments.
We collect personal data directly from you during interactions such as insurance applications, policy purchases, and claims submissions across all insurance segments. Additionally, we may obtain information from third-party sources, including:
- Insurance agents or brokers facilitating transactions across all insurance segments.
- Employers, associations, or businesses through which you are insured across all insurance segments.
- Consumer reporting agencies, motor vehicle departments, and inspection services for verification purposes relevant to auto insurance.
- Other insurers, brokers, and insurance support organizations across all insurance segments.
- Public directories, government agencies, and court records relevant to all insurance segments.
Western Sky Insurance utilizes collected data for various business purposes across all insurance segments, including but not limited to:
- Market analysis, premium calculation, and eligibility determination across all insurance segments.
- Claims management, investigation, and resolution across all insurance segments.
- Operational support, account management, and customization of services across all insurance segments.
- Security measures, fraud detection, and compliance with legal obligations across all insurance segments.
- Service improvement, product development, and customer experience enhancement across all insurance segments.
- Analytics for risk assessment, product refinement, and business strategy formulation across all insurance segments.
We may share personal data with the following categories of third parties, strictly for legitimate business purposes or as required by law, across all insurance segments:
- Western Sky Insurance affiliates.
- Service providers engaged in claims management, IT support, and administrative functions across all insurance segments.
- Regulatory authorities, legal advisors, and law enforcement agencies across all insurance segments.
- Insurers, reinsurers, and claimants involved in insurance transactions across all insurance segments.
- Marketing service providers as part of joint agreements or to facilitate the offering of financial products across all insurance segments.
These third parties are bound by confidentiality agreements and are authorized to use the information solely for the intended purposes across all insurance segments.
Western Sky Insurance reserves the right to update this Privacy Policy periodically to reflect changes in legal requirements, business practices, or technological advancements across all insurance segments. Any updates will be effective upon publication, and your continued engagement with our services implies acceptance of the revised terms.
Should you have any inquiries, concerns, or requests regarding our Privacy Policy or the handling of your personal information across any insurance segment, please contact our Privacy Officer at privacy@westernskyins.com or by mail at the following address:
Western Sky Insurance
5350 W Bell RD., STE 122-456
Glendale, AZ 85308
We appreciate your trust in Western Sky Insurance and remain committed to protecting your privacy in accordance with the highest ethical and legal standards across all insurance segments.
Last updated: April 9, 2024
Western Sky Insurance, along with its affiliates, subsidiaries, and partners (collectively referred to as "Western Sky Insurance" or "we," "us," and "our"), is dedicated to maintaining your privacy while you interact with our websites and mobile applications. In this comprehensive privacy notice, we outline how we collect, process, utilize, and disclose information obtained from your visits to our websites and mobile applications. This policy applies to all individuals visiting our websites or using our mobile applications where this notice is linked (referred to collectively as "websites"). If you have sought or purchased insurance from Western Sky Insurance, or if you are a claimant under a policy, please refer to the privacy notice at [Privacy Notice URL] for information specific to your situation.
The types of personal data we collect and the manner in which we use it depend on your engagement with our websites. For instance, if you initiate an insurance quote on our websites but decide to complete it later, we save your information to resume where you left off. We may use website data to display advertisements to you across multiple devices or to personalize your browsing experience and analyze your interactions with our websites and ads. If you use telematics functions, such as voluntary usage-based insurance programs like Right Track, we may utilize your driving data to determine insurance policy pricing and offer additional services.
When you submit a claim or request a quote for insurance on our website, we require different types of personal data. This data may include your Social Security Number, income, transaction details such as account balances and payment history, and data obtained from consumer reports. Additional information may be gathered in connection with our provision of insurance services, application processes, or other interactions with you. For further details, please review the privacy notice applicable to your insurance policy or claim at [Privacy Notice URL].
Depending on your relationship with us and your website interactions, we may collect the following categories of personal data from you or third parties:
- Identifiers, such as name, address, email address, and driver’s license number.
- Personal data, including physical characteristics, health information, and financial details.
- Protected classification characteristics, as defined in relevant legislation.
- Commercial data, encompassing records of products or services purchased or considered.
- Internet or network activity, including browsing and interaction history.
- Professional or employment-related data, such as job history.
- Inferences drawn from personal data, reflecting preferences and behavior.
- Risk and claims data, relevant to insurance underwriting and claims management.
- Telematics and geolocation data, collected voluntarily through programs like Right Track.
We collect personal data directly from you, such as when you request insurance quotes or file claims. Additionally, we may obtain data from other sources, including:
- Insurance agents or brokers facilitating transactions.
- Employers, associations, or businesses through which you are insured.
- Public directories, government agencies, or court records.
- Third parties involved in insurance transactions or claim processes.
- Consumer reporting agencies, motor vehicle departments, and inspection services.
Western Sky Insurance utilizes your personal data to provide products and services and for other compatible purposes outlined in this notice. Our business purposes include:
- Market analysis, premium calculation, and eligibility determination.
- Claims management, investigation, and resolution.
- Day-to-day business operations and support functions.
- Security measures, fraud detection, and compliance.
- Customer experience improvement and product development.
- Analytics for risk assessment and product refinement.
- Customer service and technical support.
Western Sky Insurance does not sell your personal data as defined by applicable laws. However, we may disclose personal data to affiliates, service providers, regulatory authorities, and other entities as necessary for legitimate business purposes or as required by law. These entities may include insurance support organizations, brokers, agents, public entities, and advisors. We may also share data with companies providing marketing services on our behalf or as part of joint marketing agreements.
Western Sky Insurance Website and Mobile Application Privacy Notice
Last updated: April 9th 2024
Western Sky Insurance, along with its affiliates, subsidiaries, and partners (collectively referred to as "Western Sky Insurance" or "we," "us," and "our"), is dedicated to maintaining your privacy while you interact with our websites and mobile applications. In this comprehensive privacy notice, we outline how we collect, process, utilize, and disclose information obtained from your visits to our websites and mobile applications. This policy applies to all individuals visiting our websites or using our mobile applications where this notice is linked (referred to collectively as "websites"). If you have sought or purchased insurance from Western Sky Insurance, or if you are a claimant under a policy, please refer to the privacy notice at [Privacy Notice URL] for information specific to your situation.
The types of personal data we collect and the manner in which we use it depend on your engagement with our websites. For instance, if you initiate an insurance quote on our websites but decide to complete it later, we save your information to resume where you left off. We may use website data to display advertisements to you across multiple devices or to personalize your browsing experience and analyze your interactions with our websites and ads. If you use our telematics functions, such as voluntary usage-based insurance programs like Right Track, we may utilize your driving data to determine insurance policy pricing and offer additional services.
When you submit a claim or request a quote for insurance on our website, we require different types of personal data. This data may include your Social Security Number, income, transaction details such as account balances and payment history, and data obtained from consumer reports. Additional information may be gathered in connection with our provision of insurance services, application processes, or other interactions with you. For further details, please review the privacy notice applicable to your insurance policy.
Depending on your relationship with us and your website interactions, we may collect the following categories of personal data from you or third parties:
- Identifiers, such as name, address, email address, and driver’s license number.
- Personal data, including physical characteristics, health information, and financial details.
- Protected classification characteristics, as defined in relevant legislation.
- Commercial data, encompassing records of products or services purchased or considered.
- Internet or network activity, including browsing and interaction history.
- Professional or employment-related data, such as job history.
- Inferences drawn from personal data, reflecting preferences and behavior.
- Risk and claims data, relevant to insurance underwriting and claims management.
- Telematics and geolocation data, collected voluntarily through programs like Right Track.
We collect personal data directly from you, such as when you request insurance quotes or file claims. Additionally, we may obtain data from other sources, including:
- Insurance agents or brokers facilitating transactions.
- Employers, associations, or businesses through which you are insured.
- Public directories, government agencies, or court records.
- Third parties involved in insurance transactions or claim processes.
- Consumer reporting agencies, motor vehicle departments, and inspection services.
Western Sky Insurance utilizes your personal data to provide products and services and for other compatible purposes outlined in this notice. Our business purposes include:
- Market analysis, premium calculation, and eligibility determination.
- Claims management, investigation, and resolution.
- Day-to-day business operations and support functions.
- Security measures, fraud detection, and compliance.
- Customer experience improvement and product development.
- Analytics for risk assessment and product refinement.
- Customer service and technical support.
Western Sky Insurance does not sell your personal data as defined by applicable laws. However, we may disclose personal data to affiliates, service providers, regulatory authorities, and other entities as necessary for legitimate business purposes or as required by law. These entities may include insurance support organizations, brokers, agents, public entities, and advisors. We may also share data with companies providing marketing services on our behalf or as part of joint marketing agreements.