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California Consumer Privacy Act

 
NOTICE OF PRIVACY POLICY

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Privacy Policy
WCF National Insurance Company (“WCF Insurance”) appreciates the trust that you have placed in us and we continuously strive to earn and maintain that trust. We understand the importance of protecting the confidentiality and security of your personal information. This Privacy Policy (“Policy”) lays out WCF Insurance’s California Consumer Protection Act (“CCPA”) policy. This Policy describes the types of personal information that we collect, how we may use that information and with whom we share it. This Policy describes your privacy rights and how to submit requests for information. This Policy tells you how you can reach us to ask us to answer any questions that you may have about our privacy practices. 
 
A copy of this Policy may be found on our internet website, or in hard copy upon request.
 
Categories of Information that We Collect
 
The following tables list the categories of information and specific pieces of information that we collect about you. The tables also explain the business purpose for collecting information about you, the sources from which we gather that information, and the third parties with whom we disclosed that information. For more details, click here.

Your Rights Regarding the Data We Collect:

As a consumer in California, you have the right to request access to information, request the deletion of information, request that we disclose information, and request information about how we disclose your information to third parties for a business purpose. We do not sell your information to third parties.

Notice at Collection of Personal Information
 
We will tell you at the time, or before, we collect your information the categories of personal information to be collected and the purpose for which we use the categories of personal information. We will not collect or use additional categories of personal information without providing you notice as required in this policy. We do not sell your personal information.
 
We may collect the following categories of information about you:
Personal Identifiers
Protected Class Information
Education
Professional Employment Information
Commercial Information
Audio Data
Internet Data

For more details, click here.

Requests to Access Information: You have the right to request that we tell you the categories and specific pieces of personal information that we collect about you. We will give you a list of the categories of the personal information that we have collected about you in the past 12-months. With each category of personal information that we collect about you, we will (1) tell you the source from whom we collected that information, (2) the business purpose for which that information was collected, and (3) the categories of third parties with whom we share that information. We will provide the information to you after we receive a verifiable consumer request from you and verifying your identity.

We do not have to retain personal information that we collect for a single, one-time transaction because we do not retain that information. We are not required to provide personal information to you more than twice in a 12-month period.

Verifiable Consumer Request: You may submit a consumer request to us to access personal information. You may submit your request by sending an email to privacy@wcf.com, by calling 1-866-648-5618, or by mailing to the address below. We will review the information it has collected about you with information that identifies you such as an address or zip code to confirm that you made the request. Once we verify your request to access personal information, we will promptly take steps to disclose and deliver, for free, the personal information required in this Policy. The information may be delivered to you by mail or email, at your option. If we email you the information, it will be in an easy to move format that allows you to transmit it to another party without difficulty.

We are required to respond to any of your requests to exercise these above rights within 45 days. Should we be unable to comply within 45 days, we will contact you and let you know whether we can complete your request or whether we need more time to complete your request.

We may provide personal information to you at any time.  However, we are not required to provide personal information to you more than twice in a 12-month period.

Requests for Deletion: When we receive a verifiable consumer request from you to delete your personal information, we will delete your information from our records and instruct any service provider to delete your information from their records. We do not need to comply with your request to delete your personal information if it is necessary for us to keep the information (1) to complete a transaction for which the information was collected, to provide a product or service that you requested or was reasonably expected based on the circumstances of WCF Insurance’s ongoing business relationship with you, or to perform a contract between you and WCF Insurance, (2) to detect security events, to protect against malicious, deceptive, fraudulent or illegal activity, or to prosecute those parties responsible for those events or activities, (3) to spot and remove mistakes that harm WCF Insurance’s operating computer functions, (4) to obey a legal obligation, or (5) to use your personal information, internally, in a legal way that is appropriate to the situation in which you provided the information. You may submit a consumer request online to delete your personal information by sending an email to privacy@wcf.com, by calling 1-866-648-5618, or by mailing to the address below.

If we deny your request for deletion because of the reasons above, or any other reason identified in the CCPA, we will send you a letter that explains the information that was not deleted and why it was not deleted.

Requests for Disclosure: You have the right to request a disclosure that we will tell you (1) the categories of personal information we have collected about you, (2) the categories of sources from which the personal information was collected, (3) the business or commercial reason for collecting personal information, (4) the categories of third parties with whom we share personal information, and (5) the specific pieces of personal information we collected about you. We will provide the information to you after we receive a verifiable consumer request from you and verifying your identity.

We do not have to retain personal information that we collect for a single, one-time transaction because we do not retain that information. We are not required to provide personal information to you more than twice in a 12-month period.

Requests for Disclosure of Personal Information to a Third Party for a Business Purpose: We do not sell consumers’ personal information to third parties.  However, we disclose personal information to a third party for a business reason. When we disclose personal information to a third party for a business purpose, you have the right to request from us (1) the category of personal information that we collected about you, and (2) the categories of personal information that we disclosed about you for a business purpose. We will provide the information to you after we receive a verifiable consumer request from you and verifying your identity.

We are not required to provide personal information to you more than twice in a 12-month period. If we did not disclose your personal information for a business reason, we will inform you in writing.

Right to Opt-Out: Because we do not, and will not, sell personal information, we do not have to give you a notice of right to opt-out.

Right to Opt-In: Because we do not, and will not, sell personal information of consumers who are less than 16 years of age, we do not have to provide a notice of right to opt-in.

Exercising Your Rights:

If you want to exercise your rights, you may contact WCF Insurance at its toll-free telephone number, dedicated email address or dedicated mailing address. You may designate an authorized agent, who is registered with the Secretary of State, to act on your behalf in submitting a request to us.  We may require you to provide your authorized agent written permission to act on your behalf.  We may verify the authorized agent’s identity.  If we are unable to verify the authorized agent’s identity, we may deny a request from that agent and we are not obligated to provide the information to you.

WCF Insurance
Address: 100 West Towne Ridge Parkway, Sandy, UT 84070
Phone: 1-866-648-5618
Email: privacy@wcf.com

Privacy Point of Contact

Attn:  Privacy Office
Address: 100 West Towne Ridge Parkway, Sandy, UT 84070
Email: privacy@wcf.com

Non-Discrimination

We will not discriminate against you because you exercised any of your rights or you have made a request. If you exercise any of your rights, we will not (1) deny goods or services, (2) charge different prices or rates for goods or services, including using discounts or other benefits or imposing penalties, (3) provide a different level or quality of goods or services, or (4) suggest that you will receive a different price or rate for goods or services or a different level or quality of goods or services.

Training

We will make sure that our employees who handle consumer questions about our privacy practices are informed about this Policy and the CCPA. We will make sure that our employees, who process personal information or develop steps to process personal information, are regularly trained in privacy and data protection.

Contacting Authorities:

If you would like to lodge a complaint against us, you may contact your State of California local authority. If you have trouble locating an authority, please contact the Privacy Office above and a staff member will help you.

Changes to Our Privacy Policy

We keep this privacy policy under regular review, and we will place any updates on our website.  This privacy policy was last updated on January 1. 2020.
 

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