Important Notice About Privacy
In this privacy notice “we,” “us,” “our”, and Pekin Insurance refer to the Pekin Insurance Group of companies, which includes The Farmers Automobile Insurance Association, Pekin Insurance Company, Pekin Select Insurance Company, PAC, Inc., and Pekin Life Insurance Company. We share a common commitment to protect the confidentiality and security of information we gather about you in connection with the issuance of insurance coverage. This privacy notice describes our policy with respect to the collection, disclosure, and protection of such information.
This privacy notice sets out how we use and protect any personal data that you give Pekin Insurance when you use this website.
We are committed to ensuring that your privacy is protected. Should we ask you to provide certain personal data by which you can be identified when using this website, you can be assured that it will only be used in accordance with this privacy notice.
We may change this notice from time to time by updating this page. You should check this page from time to time to ensure that you are happy with any changes. This notice is effective from August 1st, 2020.
What we collect
We may collect the following personal data:
- contact information including email address;
- registration information;
- transaction information;
- demographic information;
- sensitive information; and
- other information related to preferences or interests.
The information we collect from you may come from the following sources:
- Information we receive from you on applications or other forms;
- Information about your transactions with us, our affiliates, or others; and
- Information we receive from a consumer reporting agency.
What we do with the personal data we gather
We require this personal data to understand your needs and provide you with a better service, and in particular for the following reasons:
- Internal record keeping;
- Improving products and services;
- We may periodically send promotional emails about new products, special offers or other information which we think you may find interesting using the email address which you have provided;
- From time to time, we may also use your personal data to contact you for market research purposes. We may contact you by email, phone or mail. We may use the personal data to customize the website according to your interests.
We maintain physical, electronic, and procedural safeguards that comply with all applicable laws and regulations to guard your non-public personal information.
We restrict access to non-public personal information about you to those employees who need to know that information to provide products or services to you, such as to issue a policy, send a premium notice, or process an insurance claim.
We have built our website using industry-standard encryption and authentication tools to protect the security of personal data.
We also use technological measures such as secure routers and firewalls to help protect personal data. Information collected through the website is encrypted before it travels over the Internet using industry-standard technology for conducting secure online transactions.
A cookie is a small file which asks permission to be placed on your computer's hard drive. Once you agree, the file is added, and the cookie helps analyse web traffic or lets you know when you visit a site. Cookies allow web applications to respond to you as an individual. The web application can tailor its operations to your needs, likes and dislikes by gathering and remembering information about your preferences.
We use traffic log cookies to identify which pages are being used. This helps us analyse data about web page traffic and improve our website to tailor it to customer needs. We only use this information for statistical analysis purposes and then the data is removed from the system.
Overall, cookies help us provide you with a better website, by enabling us to monitor which pages you find useful and which you do not. A cookie in no way gives us access to your computer or any personal data about you, other than the data you choose to share with us.
You can choose to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. This may prevent you from taking full advantage of the website.
Links to other websites
Our website may contain links to other websites of interest. However, once you have used these links to leave our site, you should note that we do not have any control over that other website. Therefore, we cannot be responsible for the protection and privacy of any personal data which you provide whilst visiting such sites and such sites are not governed by this privacy notice. You should exercise caution and look at the privacy notice applicable to the website in question.
Sharing your personal data
We may disclose your personal data to our agents or third parties who perform services for us for the purposes identified above. In such cases, the recipient of the information will be obligated to use that personal data in accordance with the terms of this privacy notice.
We will not sell, distribute, or lease your personal data to third parties unless we have your permission or are required by law to do so. We may use your personal data to send you promotional information about third parties which we think you may find interesting if you tell us that you wish this to happen.
We may disclose your personal data without your permission to the extent that it is required to do so by law, in connection with any legal proceedings or prospective legal proceedings, and in order to establish, exercise or defend its legal rights.
The words "we," "us," and "our" refer to Pekin Insurance Company and certain of its affiliates, subsidiaries or parent companies. "You" and "Your" refers to the person or persons agreeing to these Terms and Conditions and who have selected Pekin Insurance's paperless billing program. We reserve the right to modify these Terms and Conditions at any time; by selecting and continuing to participate in this program, you agree to be bound by them and any subsequent revisions. Please check the Terms and Conditions regularly. If you do not agree with any of these Terms and Conditions, you should not select paperless billing.
By selecting paperless billing, you will no longer receive a paper version of your premium notice or automatic payment notice by mail. Instead, you will receive a notification email at an email address that you provide to us during the selection process. This notification email will contain a link to a website where you can view your notice. It is your responsibility to log in to Pekin Insurance’s system and view your bills and to ensure that you have the technology necessary to receive and access such notices. All communications in either electronic or paper format from us to you will be considered “in writing.”
Your participation in paperless billing will remain in effect until the billing account is no longer active or until you withdraw your participation. You may select paperless billing, update your paperless billing email address, and stop paperless billing at any time. Customers with accounts newly enrolled in automatic payments have agreed to the paperless delivery of their billing notices. In order to stop paperless billing, another payment option must be selected. Therefore, this requirement needs to be a consideration when deciding whether to stop paperless billing. Changes will take effect only after we have had reasonable time to process your request. Your withdrawal from paperless billing shall not affect the legal enforceability of billing notices provided to you before the effective date of your withdrawal.
It is also your responsibility to keep your paperless billing email address current, active, and capable of receiving new emails. To do this, please ensure that your email account has sufficient space for new emails and that your email server and spam-blocking software do not block our emails. We are not responsible for missed or misdirected communication arising from emails sent to an inactive, inaccurate, or out-of-date email address, problems arising from your mailbox being unable to receive emails, or problems related to your spam-blocking software.
Failure to receive a notification email for a billing notice does not relieve you of your responsibility to make a required payment. All applicable service fees still apply when your account is enrolled in paperless billing.
We are not required to deliver information electronically and may discontinue electronic delivery in whole or in part at any time.
THE PAPERLESS BILLING SERVICE IS PROVIDED “AS IS” AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. YOU ASSUME ALL RESPONSIBILITY AND RISK FOR THE USE OF THE PAPERLESS BILLING SERVICE. WE DO NOT WARRANT THAT THE PAPERLESS BILLING INFORMATION, PROCESSES, OR SERVICES WILL BE UNINTERRPUTED, ACCURATE, COMPLETE, OR BUG-OR-ERROR-FREE. IF APPLICABLE STATE LAW DOES NOT ALLOW THE DISCLAIMER OF CERTAIN IMPLIED WARRANTIES, THE RELEVANT PORTION OF THE ABOVE EXCLUSION MAY NOT APPLY.
By agreeing to the Terms and Conditions, you are acknowledging that you have read and understood the disclosures and agreements above, intend to participate in a paperless billing program and that you are able to receive, access, view, sign and retain electronic communications as described above, and have authority to receive and accept paperless billing for all insureds under your policy.