INTERNET PRIVACY STATEMENT

Your privacy is important to us.  At Alfa, we are committed to protecting your personally identifiable information as required by law.  Our data collection and use policies with respect to visitors to our websites (collectively, “Websites”) are set forth in this statement (“Policy”). By using this Website, you signify your acceptance of this Policy and any updates to it that may be posted by us from time to time.

What is “personally identifiable information”?

“Personally identifiable information” is any information that can be used to identify or contact a specific individual, such as a name, address, telephone number or e-mail address obtained in connection with providing products and services to you.  It includes information provided by you, obtained by us, or resulting from your transactions with us or others.  It does not include information available to the general public or “aggregate information” which is information that does not allow us to identify or contact a specific individual such as demographic information, purchase categories (e.g., auto insurance), or visitors using a particular browser to access the Website.

What types of personally identifiable information does Alfa collect on the Website?

We collect personally identifiable information from the following sources:

1.       Visitors to the Website,
2.       Information we receive from you on applications or forms in various formats,
3.       Information about your transactions with us, or
4.       Information we receive from consumer reporting agencies.

The information we collect could include, among other things, information to validate your identity, information to adjust, settle, or investigate your claims, your claims history, billing and payment information, and coverage selections. Consumer reporting agency information is generally used in conjunction with the application process. It may include motor vehicle reports, and information from a consumer report or investigative consumer report.

Does Alfa collect any other information about visitors to the Website?

We constantly seek to maintain the integrity of, and make improvements to, the Website. As part of these efforts, we may collect and analyze certain aggregate information about how visitors use the Website, as stated below. When you visit our Website, we may collect various types of technical data including but not limited to IP addresses, browser and platform types, domain names of your access provider, access times, referral data (the last site or URL you visited before logging into our site and the first site or URL you visit after leaving our site), and/or your activity while using or reviewing our site.

We may also use “cookies” or other similar technologies to gather statistical information concerning Web traffic and usage patterns. Cookies are small pieces of information that our server places on a visitor’s computer to enable that person to more easily communicate and interact with the Website and to provide us with important information on how visitors use the Website.  While a code in the cookie file enables the site to label you as a particular user, it does not identify you by name or address unless you have provided the site with such information or set up preferences in your browser to do so automatically.  Cookies allow us to evaluate what our customers want, provide adequate capacity for our visitors, display information in the best manner, select a preferred location view and default home page view, and to let you access recently visited links (such as products, services, and individual Alfa Company pages) more easily. Although many Web browsers are automatically set to accept cookies, you may change your browser settings to either reject cookies or notify you when a cookie is about to be placed on your computer. Please note, however, that rejecting cookies while visiting the Website may result in certain parts of the Website not operating correctly or as efficiently as if they were allowed.  In addition, we may use "pixel tags," "web beacons," "clear GIFs" or similar means (collectively, "Pixel Tags") embedded in the Website’s content to collect data. A Pixel Tag is an electronic image, often a single-pixel (1x1), which is ordinarily not visible to Website visitors and may be associated with cookies on the visitors’ computer. The data we could collect includes but is not limited to which operating system and browser you use, how you navigate to and through our site, and how long you stay on our web pages. This information is anonymous and does not include your name, e-mail address or any other contact information. Please note that certain aggregate information may be linked with personally identifiable information. Any such linked information will be treated as personally identifiable information for the purposes of this Policy as long as it is so linked.

What does Alfa do with personally identifiable information collected on the Website?

We will use personally identifiable information provided by visitors to fulfill the purpose for which such information was provided, as described in this Policy, or as disclosed at the time the visitor information is collected.  We may share information about you with (i) third parties as necessary to effect, administer, or enforce a transaction that you request or authorize; (ii) third parties in connection with servicing or processing a product or service that you request or authorize; (iii) any companies affiliated with us; (iv) regulatory authorities; (v) consumer reporting agencies; (vi) third parties in order to protect against or prevent actual or potential fraud or unauthorized transactions; (vii) organizations conducting actuarial research studies; (viii) reinsurers; (ix) companies that perform marketing services on our behalf or with whom we have joint marketing agreements; (x) third parties as necessary to respond to subpoenas, court orders or legal process, or to exercise our legal rights or defend against legal claims; and (xi) other third parties as permitted or required by law.  If we disclose personally identifiable information about you to our affiliates, the information will be disclosed to respond to your needs and to provide information about products or services offered by our affiliates.  Personally identifiable information is treated with the same standards of confidentiality among all Alfa affiliates.  If you authorize disclosure, your consumer report or investigative consumer report may be shared among our affiliated insurance companies as part of our underwriting process.  We also may use the information submitted to ask you follow-up questions about which products you have purchased or are considering purchasing, in order to improve our services and better understand your needs. We may store the information you submit for such period of time as may be necessary, in our discretion, to resolve your inquiry or as may be needed/helpful.

What does Alfa do with aggregate information collected on the Website?

Because aggregate information collected on the Website does not personally identify you, we may use aggregate information for any purpose, and share aggregate information with third parties for any purpose. We may share the information gathered using cookies, Pixel Tags and other similar technologies with other Alfa companies and with a third party vendor of our choosing, who would give us reports of this aggregated data. We use compiled aggregate data to improve our site by responding to our users' interests and providing more relevant and useful information. For example, we use aggregate information collected on the Website to evaluate how the Website is being used. In addition, we may collect and analyze information about how many visitors arrived at certain pages of the Website, how long they stayed on those pages, and where they went afterwards. This information allows us to determine which pages might be the most interesting to and popular with visitors and enables us to provide visitors with a better and richer experience on the Website.  In addition, we may share statistical information derived from the information submitted with third parties; however, such statistical information is not associated with any individual in a personally identifiable manner.

If I navigate to another site and provide information to that site, how will that information be handled?

This Website may contain links to other websites. The operator of such other website (whether Alfa or a third party) may collect information about you, including through cookies or other technologies. If you navigate to another site by way of a link from the Website, you will leave this Website and this Policy will not apply to your use of and activity on those other sites. If you provide personally identifiable information through any such site, your transaction will occur on that site (not the Website) and the personally identifiable information you provide will be collected by, and controlled by the privacy policy of, that site’s operator. Links on the Website to other websites are provided only as a convenience, and the inclusion of such links does not imply endorsement of the linked site. We encourage you to read the legal notices posted on those sites, including their privacy policies. We shall have no responsibility or liability for your visitation to, and the data collection and use practices of, such other sites. This Policy applies solely to online information collection and use practices in connection with this specific Website.   We are not responsible for the privacy practices or the content of any other websites that are hyperlinked to or from this Website.

How does Alfa protect the information I provide to the Website?

We take reasonable precautions to safeguard the personally identifiable information transmitted between visitors and the Website and the personally identifiable information stored on our servers. Unfortunately, no data transmission over the Internet can be guaranteed to be 100% secure. As a result, although we strive to protect your personally identifiable information, we cannot ensure the security of any information you transmit to us through or in connection with the Website. No method of transmitting or storing data is completely secure. If you have reason to believe that your interaction with us is no longer secure, you should immediately notify us of the problem by using the AlfaAIC.com Contact Form. In the unlikely event that we believe that the security of your personally identifiable information in our possession or control may have been compromised, we may seek to notify you of that development. If a notification is appropriate, we would endeavor to do so as promptly as possible under the circumstances, and, to the extent we have your e-mail address, we may notify you by e-mail.

If you are using a security-enabled web browser, the personally identifiable information you send us on applications or other forms over this Website is encrypted.  However, we do not encrypt email messages.  Email messages, as well as all other communications, traveling over the internet are subject to viewing, alteration, and copying by potentially anyone on the internet.  In the instances where internet email addresses are provided, they are provided for information inquiries of a non-sensitive and non-confidential nature.  We are not responsible for the security or the confidentiality of communication sent to us through the internet using email messages, but we do not disclose the content of email messages to any third parties, except as permitted or required by law or this Policy.  The information you provide through the use of a feedback form will only by used by us and/or third parties who need to view this information to provide better customer services.  You may also contact us by phone or U.S. mail.

This Policy allows employees, agents, and customer service representatives to access personally identifiable information to administer or provide products or services, or to otherwise perform their functions.  Employees, agents, or customer service representatives who misuse this information are subject to disciplinary action.  We maintain physical, electronic, and procedural safeguards to guard your personally identifiable information.

Where will Alfa store and maintain information about me?

We maintain this Website in the United States.  Further, please note that any communication you send to an Alfa e-mail address will necessarily be routed to the United States.  By providing personally identifiable information and other information to this Website, and/or by sending a communication to an Alfa e-mail address, you understand and consent to the collection, use, processing disclosure and transfer of such information to the United States and other countries or territories, which may not offer the same level of data protection as the country where you reside, in accordance with the terms of this Policy.

Can Alfa change this Policy?

Yes. We reserve the right to change this Policy in order to address future developments of Alfa, the Website or changes in industry or legal trends. Depending on the nature of the change, we will either: (1) announce the change on the home page of the Website or (2) take such other action as we deem appropriate under the circumstances, including without limitation, posting the revised draft of this Policy on the Website. You can determine when this Policy was last revised by referring to the "Last Revised" legend at the bottom of this page. Any changes to this Policy will become effective upon posting of the revised Policy on the Internet, accessible through the Website. By continuing to use the Website following such changes, you will be deemed to have agreed to such changes. If you do not agree with the terms of this Policy, as it may be amended from time to time, in whole or part, please do not continue using this Website. If you have any questions or comments about this Policy, please feel free to contact us by using the AlfaAIC.com Contact Form.

As used herein, “Alfa” refers to Alfa Alliance Insurance Corporation and its Parent Company and affiliates.  You may contact us at Alfa Alliance Insurance Corp., Chief Information Officer, 4480 Cox Rd., Suite 300, Glen Allen, VA 23060 .

Privacy Policy last revised on Aug. 28, 2008