Updated October 7th, 2020
PFA Privacy Policy
This statement is made on behalf of Pacific Financial Association and PFA Transportation Insurance & Surety Services, collective referred to herein as “PFA”. At PFA, we respect your privacy and are committed to protecting the privacy and confidentiality of your personal information. We take your right to privacy seriously and want you to feel comfortable using our website. This Privacy Policy deals with personally identifiable information that may be collected by us on our site. This Policy describes how we collect, use, share, and protect your information. This Policy does not apply to other entities that we do not own or control, or persons that are not our employees, agents or within our control.
We may change the provisions of this Policy at any time and will indicate when changes have been made by revising the date at the top of this Policy and on this website. We may revise and update the provisions of this Policy from time to time at our sole discretion. All changes are effective immediately when posted. Your use of the Services following the posting of such changes shall constitute your consent to such changes. We encourage you to review this Policy whenever you access the Services to see if it has changed and make sure that you understand the most current information about your privacy. Personal Information PFA May Collect
PFA may collect or receive the following information that may contain personal information:
- Identity Information: First name; middle name or initial; last name; gender; genetic characteristics; date of birth; marital status; age; identification number, such as social security or tax identification number; geolocation data; permanent residence: professional licenses and affiliations; contract or policy number; identification of insured property (such as addresses or vehicle license plate numbers); and other similar information.
- Contact Information: Business and/or personal addresses, email addresses, telephone numbers, fax numbers, and other contact details.
- Financial and Business Information: Financial statements; assets; liabilities; tax filings and other tax information; business operations information; payroll information; credit history; credit score; educational information; employment details; vehicle driving records; prior accident or loss history; status as a director, partner, or other ownership or management position; insurance coverage information; and any other business or financial information required to underwrite or support a claim under an insurance policy or surety bond.
- Payment Information: Bank account information, credit or debit card information, wire transfer instructions, and other information necessary for PFA to make or receive payments.
- Regulatory Information: Any personal information needed for PFA to comply with its obligations under applicable laws and regulations, including, without limitation, anti-money laundering, anti-bribery, insurance fraud, economic and trade sanctions, and other regulatory schemes.
- Website Usage Information: PFA’s website uses cookies and other automatic data collection technologies to collect certain information about visitors to our website, including IP address; details about your browser, operating system and device/hardware; general location (if available); webpages visited; and other logging information such as the date, time, and duration of your use of the website.
- Information you provide about other People. If you submit any Personal Information relating to other people to us or to our service providers, you represent that you have the authority to do so and to permit us to use the information in accordance with this General Privacy Statement.
How PFA Collects Information
We collect non-public personal information about you from the following sources:
- Information you submit to us when applying for insurance or surety products or when paying premiums, filing claims, or making changes to your policies or bonds.
- Consumer Reporting Agencies, such as personal and business credit reports (when part of our insurance/bond underwriting practices).
- Financial Institutions, Banks, Suppliers, Attorneys, or other third parties identified by you as sources of information.
- State and Federal Agencies such as the Federal Motor Carrier Safety Administration or a Contractor License Board.
- Insurance Agents or Brokers, such as any of the above types of information as well as information about other insurance or surety products you may have.
- Analytic services and software provided by third parties to help us understand how users access and use the Services. These tools and services place cookies, web beacons and other devices or technologies on our Services to enable them to track traffic data. The data collected typically includes information such as your IP address, your Internet Service Provider, your web browser, the time spent on web pages, the links clicked, and the advertisements viewed on those pages. We use this information to improve our Services and your experience, to see which areas and features of our Services are popular, and to count visits.
How PFA Uses the Information Collected
PFA uses the personal information that we collect or you provide above for the following purposes:
- Underwriting and Policy Issuance, Maintenance, and Renewal: In order to underwrite and issue, maintain, and renew contracts and insurance policies, bonds, or warranty products, obtain reinsurance, and communicate important information to you throughout this process, PFA may collect, use and share (“process”) identity, contact, financial and business, and regulatory information about policyholders, insureds, producers, loss payees, enrollees, annuity owners, certificate owners, annuitants, participants, beneficiaries, trustees, legal representatives, reinsurers, underwriters, appraisers, actuaries, and other related persons or entities. We process this information to enter into and perform our contractual obligations to you and for our legitimate business purposes.
- Claims Review and Approval: In order to process claims under an insurance policy, or a bond or surety product, and to communicate with you throughout this process, PFA may process identity, contact, financial, business, and regulatory information about claimants, policyholders, insureds, trustees, legal representatives, witnesses, agents, advisors, brokers, and other third parties. We process this information to perform our contractual obligations to you and for our legitimate business purposes.
- Payment: In order to collect payments, pay claims, pay third-party service providers and other payees, and make other business-related payments, PFA may process identity, contact, financial and business, payment, and regulatory information about policyholders, insureds, trustees, claimants, third party administrators, professional advisors, service providers, vendors, and other payees. We process this information to perform our contractual obligations to you and for our legitimate business purposes.
- Internal Operations: PFA may process identity, contact, financial and business, payment, regulatory, and website usage information for purposes of PFA’s internal business operations, including but not limited to marketing; servicing your account; improving our products and services; data security; financial, claim or other audits; quality assurance measures; resolving complaints; identifying and preventing fraud; managing commercial risk; complying with legal, regulatory, and contractual obligations; business continuity and disaster recovery; complying with internal policies and procedures; establishing and defending PFA’s legal rights; communicating important information regarding our policies, terms and conditions, and other administrative information; communicating with agents, advisors, brokers, and policyholders; responding to requests for information; website personalization and optimization; as well as actuarial studies, analytics, and statistical modeling. We process this information to perform our contractual obligations to you, for our legitimate business purposes to provide and customize our products and services to you and to secure your information, and to comply with legal obligations and exercise any legal rights we may have.
How PFA May Share your Personal Information
In accordance with applicable law, we may disclose Personal Information that we collect or you provide to the following parties:
- Subsidiaries and Affiliates: In connection with our business operations, to provide products and services, and to comply with applicable laws and regulations, PFA may share information with subsidiaries and affiliates.
- Professional Advisors: In order to comply with applicable laws and regulations, to obtain professional advice and services, and in connection with our business operations, PFA may disclose personal information to accountants, auditors, lawyers, bankers, insurers, and other professional advisors to PFA.
- Insurance-Related Business Partners and Third Parties: In connection with our business operations and to provide products and services, PFA may share information with underwriters, appraisers, brokers, agents, advisors, and loss adjusters; claims administrators; insurance support organizations; reinsurance providers; other insurance companies; financial institutions, such as banks; payment processors; securities firms; credit bureaus; consumer reporting agencies; and other third parties.
- Other Vendors and Service Providers: In order to provide products and services and to support our business operations, PFA may share information with vendors and third party service providers such as IT vendors, developers, software providers, and website hosting providers; records management and data storage providers; data analytics companies; printing, advertising, marketing and market research companies; translators; and other third parties.
- Legal and Regulatory: For the purpose of meeting our legal and regulatory obligations, or otherwise as allowed or required by law, PFA may share personal information with third parties such as federal, state, and local regulatory authorities, tax authorities, law enforcement, public, administrative, or judicial bodies, or other persons or entities in response to a legal process (such as a subpoena) or as otherwise required or allowed by law.
- Corporate Transaction: PFA may disclose your personal information to a third party in connection with a proposed or actual reorganization, merger, sale, joint venture, assignment, transfer, or other disposition of all or any portion of the PFA business, assets, or stock (including in connection with any insolvency event or similar proceedings).
- Marketing: PFA may disclose your personal information to an affiliate or a third party marketing service provider in connection with the marketing efforts of PFA or its affiliates, which may include joint marketing arrangements with third parties. You may opt out of marketing emails at any time by following the instructions in our marketing communications or by contacting us using the information provided in How to Contact PFA below.
Does PFA Sell Personal Information?
We do not give or sell our customers' personal information to other companies for marketing purposes. If in the future, we anticipate selling your personal information to any party, we will provide you with the opt-in and opt-out rights required by federal and state laws and regulations including the California Consumer Privacy Act (CCPA).
How PFA Safeguards Your Personal Information
PFA maintains its own security measures that are designed to help us protect your information. PFA has established reasonable technical, physical, legal and organizational measures to maintain the confidentiality and integrity of personal information in our possession and guard against its unauthorized access. Such measures are consistent with applicable privacy and data security laws. We are responsible for identifying information that must be protected, providing an adequate level of protection for that data and granting access to protected data as permitted or required by law. PFA associates are prohibited from making unauthorized disclosure of personal information that we collect. The safety and security of your information also depends on you. If you choose, or are provided with, a user name, password or any other piece of information as part of our security procedures, you must treat such information as confidential, and you must not disclose it to any other person or entity. You also acknowledge that your account is established for a specific person or entity, and you agree not to provide any unauthorized person with access to the Services. You agree to notify us immediately of any unauthorized access to or use of your user name or password or any other breach of security.
Unfortunately, the transmission of information via the internet is not completely secure. Although we do our best to protect your Personal Information, we cannot guarantee the security of your personal information provided or collected. Any transmission of personal information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures. While we seek to keep information safe and secure, we cannot guarantee that personal information you provide to us will be secure, or that the Services will be uninterrupted or error-free.
PFA maintains its own security measures that are designed to help us protect your information. PFA has established reasonable technical, physical, legal and organizational measures to maintain the confidentiality and integrity of personal information in our possession and guard against its unauthorized access. Such measures are consistent with applicable privacy and data security laws. We are responsible for identifying information that must be protected, providing an adequate level of protection for that data and granting access to protected data as permitted or required by law. PFA associates are prohibited from making unauthorized disclosure of personal information that we collect. The safety and security of your information also depends on you. If you choose, or are provided with, a user name, password or any other piece of information as part of our security procedures, you must treat such information as confidential, and you must not disclose it to any other person or entity. You also acknowledge that your account is established for a specific person or entity, and you agree not to provide any unauthorized person with access to the Services. You agree to notify us immediately of any unauthorized access to or use of your user name or password or any other breach of security.
Unfortunately, the transmission of information via the internet is not completely secure. Although we do our best to protect your Personal Information, we cannot guarantee the security of your personal information provided or collected. Any transmission of personal information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures. While we seek to keep information safe and secure, we cannot guarantee that personal information you provide to us will be secure, or that the Services will be uninterrupted or error-free.
How to Contact PFA
If you have any questions about the Privacy Policy or wish to update your information, please contact us at privacy@PFAprotects.com or by telephone at 800-595-2615. You may also write to us at the following address:
PFA Transportation Insurance & Surety ServicesATTN: Compliance Officer
22601 N. 19th Avenue, Suite 202
Phoenix, AZ 85027
Notification of Changes to this Policy
This privacy policy may change from time to time. If we change our Privacy Policy, we will post those changes on the web site www.PFAprotects.com. You may wish to visit this page periodically to review the most recent Privacy Policy.