UNITED STATES FIRE INSURANCE COMPANY THE NORTH RIVER INSURANCE COMPANY  AMERICAN CONTRACTORS INDEMNITY COMPANY* 

*BAIL BOND ADMINISTRATION PROVIDED BY UNITED STATES FIRE INSURANCE

COMPANYLast Updated: January 2020  

BAIL PRODUCER: [stamp must include name, address, phone no. and license no

CALIFORNIA PRIVACY NOTICE  

As required by law, we keep the financial information of our current and former customers private. This notice describes how we collect, use and share your personal information and also explains your rights. It also explains our legal duties and privacy practices. Personal information means  information that allows someone to identify or contact you (“Information”). We are required by state laws to give you this notice.  

THE INFORMATION WE COLLECT AND DISCLOSE 

We collect Information about you from the following sources:  

  • From you through applications and other forms (e.g. your name, address, social security number, family member information, assets, income, and  property locations and values); 
  • From your transactions and experiences with us and others, (e.g. your account balance, insurance coverage, payment history, the premium you  pay, and claims information); and 
  • From consumer reporting agencies, medical providers, or others (e.g. your credit score and medical and employment information). We may disclose this Information as described in this notice. 

PARTIES TO WHOM WE MAY DISCLOSE INFORMATION 

We keep your Information in our files. Your Information will only be disclosed as authorized by you or as required or allowed by law. We do not  disclose your Information to any affiliates or unrelated third parties for marketing purposes. We use your Information to process your application,  post your bond, and resolve bond claims or breaches of contract. We may give your Information to our producers, agents, investigators, attorneys and  others for these purposes. We may also disclose it to persons to perform transactions you request or authorize. When we use service providers to  help us service your account, your Information stays confidential. Our service providers agree to keep your Information private and not use it for any  other purpose. We may also share your Information for other reasons such as: 

  • with state insurance departments or other governmental or law enforcement authorities in the event of a bond forfeiture or breach of contract;  with state insurance departments or other governmental or law enforcement authorities if required by law or to protect our legal interests or in cases of suspected fraud or illegal activities;  
  • if ordered by a subpoena, search warrant or other court order; or  
  • business activities that we may legally undertake.  

We may also share your Information with insurance support organizations that maintain information to, among other things, detect or prevent fraud  or criminal activity in connection with insurance underwriting or claims. Information disclosed to or obtained from such entities may be kept by them  and given to other persons.  

CONFIDENTIALITY AND SECURITY 

We maintain administrative, technical and physical safeguards to protect your Information. We ensure that your Information is treated responsibly and  in line with our privacy policy. We also restrict access to your Information within our organization to those persons who must have the Information  to provide services to you, or to conduct our business. Persons who have access to your Information may use it only for our business purposes. We  safeguard Information in accordance with applicable laws.  

YOUR RIGHT TO ACCESS AND AMEND YOUR INFORMATION 

If you believe any of your Information that we have is inaccurate, you can send us a written request to review certain recorded information that we  can reasonably locate and provide to you. You can request that we amend, correct or delete anything that you believe to be wrong. If we agree with  you, we will amend, correct or delete the Information in question, unless otherwise required by law. We are not required to agree to your request.  If we do not agree with your request, we will notify you of our reasons. We may charge a small fee to collect and send the Information to you. Please  send your request to the address provided below and include your name, address, telephone number and bond number. 

INVESTIGATIVE CONSUMER REPORT 

We may prepare or request an investigative consumer report about you (the “Report”) in connection with your application or agreement with us.  You can request to be interviewed in connection with the preparation of the Report. You are entitled to receive a copy of the Report if you submit a  written request to us. Please send your request to the address provided below and include your name, address, telephone number and bond number. 

ABOUT OUR WEBSITE 

We may collect information via technology about how you use our website, including the elements you have interacted with, metadata, and other  details about these elements, clicks, change states, and other user actions. This information is used primarily to provide, maintain, protect, and  improve our current products and to develop new ones. 

We may use cookies on certain pages of our site. Cookies are stored on your computer, not on our site. Most cookies are “session cookies” which  means that they are automatically deleted at the end of each session. A cookie itself does not have the ability to automatically collect personal  information about you. A cookie can store certain information that identifies your computer to us so that you do not need to re-enter that information  as frequently when you use our site. The cookie does not contain your password. 

Crum & Forster is a registered trademark of United States Fire Insurance Company.  

S-0162US USFIC CA PN (01/20)  

We reserve the right to change our policy regarding cookies and the collection of information from visitors at any time without advance notice.  Should any new policy be put into effect, we will post it on this website, and the new policy will apply only to information collected thereafter. You  may opt out of receiving cookies or delete any prior cookies by changing your specific internet browser settings. The privacy of communication over  the internet cannot be guaranteed. If you are concerned about the security of your communication, we encourage you to send your correspondence  through the postal service or use the telephone to speak directly to us. We do not represent or warrant that the site, in whole or in part, is appropriate  or available for use in any particular jurisdiction. Those who choose to access the site, do so on their own initiative and at their own risk, and are  responsible for complying with all local laws, rules and regulations. We do not assume any responsibility for any loss or damage you may experience  or incur by the sending of personal information over the internet by or to us. This Usage Agreement shall be governed by the laws of the United States  and of the State of New Jersey, without giving effect to its conflict of laws provisions. 

FOR CALIFORNIA RESIDENTS ONLY: 

If you are a California resident, you may be entitled to additional rights over your Information. We do not, and will not, sell Information collected from you.  The California Consumer Privacy Act (CCPA) provides California residents, upon a verifiable consumer request, certain rights that include:  

The right to request that we disclose:  

(1) The categories of personal information that we have collected about you; and  

(2) The categories of personal information that we have disclosed about you for a business purpose  

The right to request that we delete the personal information it has collected from you, subject to certain legal exceptions, for example, when such  personal information is necessary to fulfill or comply with our legal obligations.  

The right to be protected from discrimination for exercising your CCPA rights. If you choose to exercise your privacy rights, we will not charge you  different prices or provide different quality of services unless those differences are related to your information.  

You may designate an authorized agent to act on your behalf and make a request of us under the CCPA.  

To exercise your rights under the CCPA or to seek assistance, please do one of the following:  

  • If you would like to make a Request to Know, go to http://www.cfins.com/request-to-know-california-residents/ or call 1.844.254.5754  If you would like to make a Request to Delete, http://www.cfins.com/request-to-delete-california-residents/ or call 1.844.254.5754  Fill out and send back to us the Request to Know / Request to Delete form to:  

Crum & Forster Legal Department  

PO Box 1973  

305 Madison Avenue  

Morristown, NJ 07962  

privacyinformation@cfins.com  

We will attempt, where practical, to respond to your requests and to provide you with additional privacy-related information. We will confirm receipt  of verifiable consumer requests within ten (10) days of receipt. You may only make a verifiable consumer request for personal information twice  within a twelve (12) month period. We cannot respond to your request if we cannot verify your identity or authority to make the request and confirm  the personal information relates to you. Any consumer with a disability may access this notice by contacting us at the address, email or toll free  number listed above.  

We may change this California Privacy Notice and our privacy practices over time. Our most current Privacy Policy and California Privacy Notice can  be found on our website at http://www.cfins.com/terms/.

 

 

 

Crum & Forster is a registered trademark of United States Fire Insurance Company.  

S-0162US USFIC CA PN (01/20)