SCM assists our insurance company clients and customers in processing insurance claims (collectively, the “Services”). In order to provide the Services, we may need to collect non-public information that can be used to personally identify you (“Personal Information”). SCM takes the protection and security of the Personal Information we receive about you very seriously. We respect your privacy and are committed to being transparent about the ways in which we collect, use, and share your Personal Information.
How We Respect Your Privacy:
We do not sell your Personal Information to anyone.
We do not transfer, share, or disclose your Personal Information to third-parties for marketing purposes.
We only use your Personal Information to provide the Services or for other purposes you specifically request.
SCM employees are trained on the confidentiality and security of your Personal Information and are required to keep it confidential.
We only share your Personal Information with third parties that have a need to know for the purposes of handling your claim, providing services to us, or complying with the law.
Access to your Personal Information is restricted using physical, technological, and electronic security measures.
This Policy addresses:
- What Personal Information we collect about you.
- How we use your Personal Information.
- With whom we share your Personal Information.
- How you can review Personal Information we have collected about you.
- How we protect your Personal Information.
What Information We Collect:
When we provide the Services, or when you use our Website, we may collect certain Personal Information about you, either from you directly or from third-party sources, including but not limited to your insurance provider, government agencies, legal authorities, or other third parties. Personal Information we collect about you may include:
- name, address, phone number, and email address;
- driver’s license number;
- age, birthdate, and gender;
- business name, title, address, phone number, and email address, if relevant to the claim;
- information about your insured property, such as your automobile, real property, or business;
- information in your insurance policy, including your policy number, policy coverage and limits, claims history, driving record, or property history;
- financial information and tax identification number, if we settle your claim and/or issue payment to you;
- education history; and
- health or medical record information, if your claim involves an injury.
*Please note that Personal Information does not include public information available from a federal, state, or local government records
How We Collect Personal Information About You:
We collect Personal Information from or about you in the following situations:
- when you provide us with Personal Information in connection with processing your claim, whether orally or in writing;
- when you voluntarily communicate with us via our Website, email, telephone, or mail;
- when we obtain your driving record, claims history, police report, lawsuit, court order, or other document or reports with information about you, your insured property, or your claim;
- when we obtain written or oral statements from witnesses or another insured or claimant; and
- when third parties, such as a law firm, insurance company, government authority, or healthcare provider, provide us with Personal Information about you related to your claim.
When you use our Website, we collect certain non-personal information from you or your device which cannot be used to identify you (“Anonymous Information”). The following anonymous information is collected from you or your device when using the Website:
- Device information. As is the case when you visit most websites, to administer our site, your visit triggers the automatic logging of certain anonymous information about your computer system such as the type of browser you use, the server name, general location, and your “IP” (Internet Protocol) address.
- Website Usage Information. We collect certain anonymous data related to your usage of the Website including, but not limited to, pages of the Website you viewed, referring, entering and exit pages, duration of your visit to the Website, frequency of visits to the Website, number of pages visited, and other non-personal information about your interaction with the Website.
- Cookie Technology. Cookie technology may be employed when you access the Website. “Cookies” are small text files sent by Web servers to be stored on the computers of website users. These files often contain personalization settings or unique identifiers to keep track of your information and to help us understand the movements of users within our Website. Cookies alone do not personally identify individuals. Most web browsers automatically accept cookies, but you may be able to change your browser settings to prevent the acceptance of cookies.
How We Use Your Information:
We use your Personal Information for the following purposes:
- Process your claim. We use your Personal Information to verify your identity, gather evidence related to your claim, investigate and evaluate the claim, determine and assess liability, issue a settlement, and facilitate repair or replacement of the property.
- Fulfill your request. If you contact us or request that we send you information, we will use your Personal Information to respond to your communication or fulfill your request.
- Communicate with you. We use your Personal Information to communicate with you about your claim, our Services, or other relevant updates.
- Prevent Fraud. We use your Personal Information to verify your identity, detect criminal activity, and prevent fraud.
- Security. We may use your Personal Information to analyze the security of our Website, detect security incidents, protect against malicious or deceptive activity, and resolve security incidents.
- Audit. We may be required to disclose your Personal Information as part of a routine audit of our operations.
- Legal Compliance. We may use your Personal Information to comply with any legal obligation or to enforce our rights.
We use your Anonymous Information logged from our Website to analyze general usage of our Website, improve our Website, tailor our Services, troubleshoot problems with the Website, and identify trends.
How We Share Your Personal Information:
In the course of performing the Services, we share your Personal Information with third parties that assist us in processing your claim or provide services to SCM. When we disclose your Personal Information, we only disclose the specific categories of Personal Information required to achieve the purpose for which the Personal Information was disclosed. For example, if we disclose your Personal Information to a third party involved in the repair or replacement of your property, we only disclose the specific categories of Personal Information needed to repair or replace your property. SCM does not rent or sell your Personal Information for any reason, nor do we provide your Personal Information to third parties for their marketing or advertising purposes. We share your Personal Information with the following categories of third parties:
- the insurance agents, brokers, claims adjusters, and companies involved in the claim or transaction;
- other claimants or individuals who witnessed, were involved in, or have information related to the event giving rise to the claim;
- third parties involved in the repair or replacement of your property, such as an auto repair shop;
- attorneys, accountants, and other professionals assisting in processing and settling the claim;
- third parties that compile and provide reports about you;
- your healthcare institutions or professionals, if your claim involves an injury;
- insurance regulatory authorities;
- law enforcement or other government authority;
- third parties that provide services on our behalf, such as our website hosting provider, auditors, attorneys, customer service providers, settlement payment processor, parties that assist in the review, evaluation, and processing of claims, and our security provider;
When legally required, we will disclose your Personal Information pursuant to a subpoena, court order, or legal process (such as law enforcement requests), or to establish or exercise our legal rights or defend against legal claims.
When necessary to investigate or prevent illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, or as otherwise required by law, we will disclose your Personal Information to the proper authorities. Additionally, we may share your Personal Information in order to protect the rights, property, safety and security of SCM, our employees, and contractors.
We may disclose your Anonymous Information to our website hosting company, analytics provider, internet security provider, and website maintenance provider.
Do Not Track:
Certain web browsers feature a “Do Not Track” setting which sends a signal to the website not to track the user’s activity. Because we do not track the activity of visitors to our Website across other sites, nor do we display targeted advertising on our Website, our Website does not monitor for “Do Not Track” signals.
Third Party Providers/Links:
In order to provide you with helpful resources, the Website may link to websites owned and operated by third parties Those third-party websites may collect Personal Information about you. SCM does not control or endorse those websites, or the information, products, or services found on those websites, nor are we responsible for their collection or use of your Personal Information, or the contents, advertising, privacy policies or other material available on such third-party sites. We encourage you to read the privacy policies of any third-party websites you visit. Questions about the information collection practices of a third-party website should be directed to the third-party website administrator.
Users Outside the United States:
Our Website is operated from our facility within the United States of America (USA) but may be accessed from anywhere in the world. Personal Information collected on this Website may be stored, transferred to, and processed in the USA.
We make no representation and take no responsibility for any applicable laws and regulations outside the USA. If you are located outside the USA, data security laws in the USA may not offer as much protection as the laws in your country of residence. By providing any Personal Information to us, you consent to the transfer of your information to, and the storage of your information on, servers located in the USA. Persons who choose to access the Website from locations outside the USA do so at their own discretion and initiative and are responsible for compliance with local laws.
Our Policy Towards Children’s Personal Information:
SCM does not knowingly collect any Personal Information from anyone under the age of 16. In the event we need to collect Personal Information from an individual between the ages of 16 and 18, we will first obtain parental or guardian consent. If you believe your child may have provided us with Personal Information without your consent, please contact us at email@example.com. If we discover we have collected the Personal Information of anyone under the age of 16, we will delete such Personal Information.
Retention of Your Personal Information:
We retain your Personal Information in our electronic databases and physical files in accordance with our document retention policy. Your Personal Information will be retained beyond the resolution of your claim for record keeping purposes and to comply with applicable law. We will delete your Personal Information when we are no longer legally required to retain it and it is no longer reasonably required for business purposes.
How We Protect Your Information:
SCM regularly reviews its security practices in order to protect your Personal Information. We use industry standard physical, electronic, procedural, technical, and administrative safeguards to protect your Personal Information. We limit access to your Personal Information to employees and contractors who have been instructed on the confidentiality and sensitivity of your Personal Information, and who require access to your Personal Information to perform a business function on SCM’s behalf.
You should know, however, that due to the open communication nature of the Internet, no transmission is 100% secure. We cannot guarantee that Personal Information you send us over internet or other communication lines will be free from unauthorized access by third parties.
How to Review Your Personal Information:
You can request to review the Personal Information we hold about you by sending a written request to P.O. Box 2429, Laguna Hills, CA 92654. Your request must include your full name, mailing address, claim number or policy number, if applicable, and a description of the information you wish to review. If we can confirm your identity, we will provide you with the requested information within thirty (30) business days.
You may submit a written request to correct your Personal Information we have on file. However, if we received your Personal Information from a third-party, you will need to contact that third-party to have your Personal Information corrected. If we are unable to correct your Personal Information, we will notify you in writing.
Address: Specialty Claims Management, P.O. Box 2429, Laguna Hills, CA 92654
California Privacy Rights Statement
If you are a California resident, you have additional rights with regards to your Personal Information. This section only applies to California residents.
For the purpose of this California Residents’ Rights Statement, Personal Information does not include:
- Health or medical information covered by the Health Insurance Portability and Accountability Act of 1996 (HIPAA) and the California Confidentiality of Medical Information Act (CMIA); and
- Personal information covered by industry-specific privacy laws, including the Gramm-Leach-Bliley Act (GLBA), Fair Credit Reporting Act (FCRA), Driver’s Privacy Protection Act of 1994, and California Financial Information Privacy Act (FIPA)
A. Shine the Light Disclosures: Under California Civil Code Section 1798.83 (the “Shine the Light” law), California residents who provide certain Personal Information in connection with obtaining products or services for personal, family, or household use are entitled to request and obtain the following from us: (i) a list of the categories of Personal Information (such as name, address, email address, and the type of services provided to the user) that we have disclosed to third parties during the immediately preceding calendar year for the third parties' direct marketing purposes, and (b) the names and addresses of all such third parties
B. California Consumer Privacy Act (CCPA) Disclosures: Residents of California have certain rights under the California Consumer Privacy Act (“CCPA”) (Cal. Civ. Code §1798.100 et seq.), including the right to know what Personal Information we have collected about you, to whom the Personal Information has been disclosed or sold, and how you can review or delete your Personal Information.
Personal Information Collection requires that we disclose, among other things, the categories of Personal Information we have collected from California residents in the previous twelve (12) month period and the source. In the past twelve (12) month period, we have collected from California residents the following categories of Personal Information:
|Identifiers||Name, address, email address, IP address, account username, social security number, government ID number||Yes||Consumer; Claimant|
|California Customer Records Information||Signature, physical description, state ID card number, insurance policy number, education, employment history, bank account number, credit/debit card number or other financial account information, medical or health information||Yes||Consumer; Claimant;Third Party|
|Protected Information||Race, color, religion, gender, national origin, disability, familial status, or sexual orientation||Yes||Consumer; Claimant;Third Party|
|Commercial Information||Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies||No||N/A|
|Biometric Data||Fingerprints, DNA, etc.||No||N/A|
|Internet Information||Browsing history, search history, or other information about a consumer’s interaction with the Website||Yes||Consumer|
|Geolocation Data||Geolocation data||No||N/A|
|Audio/Visual Information||Audio, electronic, or visual information||No||No|
|Professional Information||Employment-related information and history||Yes||Consumer; Claimant|
|Education Information||Education information||Yes||Consumer; Claimant; Third Party|
|Inferences||Inferences that can be drawn from any of the foregoing information, such as the preferences, characteristics, psychological trends, behavior, attitude, intelligence, or abilities||Yes||Consumer; Claimant; Third Party|
Disclosure of Personal Information
In the preceding twelve (12) months, we have disclosed the following categories of Personal Information, as defined in the table above, to third parties:
- California Customer Records Information
- Protected Information
- Internet Information
- Professional Information
- Education Information
Such information was disclosed for business purposes to:
- third parties that are involved in the evaluation, processing, and settlement of your claim, such as insurance agents, administrators, and companies; healthcare providers; attorneys; accountants; auditors, and settlement payment processors;
- third parties involved in the repair or replacement of your property, such as an auto repair shop;
- third parties that compile and provide reports about you;
- Our customer service provider; website, email hosting, and analytics providers; attorneys; accountants; and other third-party providers that provide services to SCM; and
- law enforcement, regulators, or other governmental entities.
Sale of Personal Information
SCM has not sold any Personal Information of any California residents within the past twelve (12) months.
Pursuant to the CCPA, California residents have the right to request from us, for the preceding twelve (12) month period:
- the categories of Personal Information and the specific pieces of Personal Information that we have collected about the resident,
- the categories of sources from whom the Personal Information was collected,
- our purposes for collecting the Personal Information,
- the categories of third parties with whom we have shared the Personal Information, and
- the categories of Personal Information that was sold or disclosed, if any, for a business purpose.
You also have the right to request that we delete any Personal Information we have collected from you from our records, or the records of third parties with whom we have shared your Personal Information. Once we verify your request, we will delete any Personal Information from our records, unless retaining your Personal Information is necessary for us to:
- perform the business purpose for which we were provided the Personal Information, such as processing your claim;
- offer employment or provide employment benefits;
- detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for that activity;
- debug to identify and repair errors that impair existing intended functionality;
- exercise free speech, ensure the right of another consumer to exercise that consumer’s right of free speech, or exercise another right provided for by law;
- comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546 et seq.);
- enable solely internal uses that are reasonably aligned with your reasonable expectations based on your relationship with us;
- comply with a legal obligation; or
- fulfill other internal and lawful uses of your Personal Information that are compatible with the context in which you provided your Personal Information.
Please note that if we received your Personal Information from a third party, such as your insurance company, you will need to send your request to delete your Personal Information to that third party.
We will confirm receipt of right to know and deletion requests within ten (10) business days of receiving such requests and will provide information as to how we will process such requests. We will respond to verified requests within forty-five calendar (45) days of receipt. Please note that we are only required to respond to each website visitor twice per twelve (12) month period.
We are not required to: (1) retain any Personal Information about you that was collected for a single, one-time transaction if, in the ordinary course of business, that information about you is not retained; or (2) reidentify or otherwise link any data that, in the ordinary course of business, is not maintained in a manner that would be considered Personal Information.
Where to Send Requests
If you are a California resident and you wish to make any of the above requests, please send a request to:
Address : Specialty Claims Management
Attn: Privacy Officer
P.O. Box 2429
Laguna Hills, CA 92654
When you contact us, you will need to provide us with enough information to identify you (e.g., your full name, address, policy number); proof of your identity and address; and a description of what right you want to exercise and the information to which your request relates.
We are not obligated to make a data access or data portability disclosure if we cannot verify that the person making the request is the person about whom we collected information or is someone authorized to act on such person’s behalf. Any Personal Information we collect from you to verify your identity in connection with your request will be used solely for the purposes of verification.
Upon verification, we will provide the requested information to you within the time period noted above. The information will be provided to you free of charge. We will not discriminate against you for exercising your rights under this section.