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TrueRide by Auto-Owners™ - Privacy Policy

Privacy Policy

BEFORE ACCESSING OR USING THE TRUERIDE BY AUTO-OWNERS APPLICATION OR SOFTWARE PROGRAM (“APP”), PLEASE READ THE TERMS OF USE (https://www.auto-owners.com/trueride/terms-of-use) AND THIS PRIVACY POLICY CAREFULLY.

BY ACCESSING OR USING THE APP OR ANY CONTENT, PRODUCTS, DATA FEEDS AND SERVICES PROVIDED TO YOU ON, FROM, OR THROUGH THE APP, YOU ARE AGREEING TO BE BOUND BY AND ACCEPT (I) THE TERMS OF USE AND (II) THIS PRIVACY POLICY.

USE OF THE APP IS INTENDED EXCLUSIVELY FOR INDIVIDUAL DRIVERS INSURED BY AUTO-OWNERS INSURANCE COMPANY OR AN AFFILIATED INSURANCE COMPANY WITHIN OR ASSOCIATED WITH THE AUTO-OWNERS INSURANCE GROUP OF COMPANIES THAT OFFERS THIS APP (COLLECTIVELY “A-O”, “AUTO-OWNERS”, “WE”, OR “US”) BY OR THROUGH OUR AGENTS, CONTRACTORS, SUPPLIERS AND LICENSORS (COLLECTIVELY “BUSINESS PARTNERS”).  IN CERTAIN CASES, “WE’” OR “US” MAY INCLUDE OUR BUSINESS PARTNERS. 

IF YOU DO NOT AGREE TO THESE TERMS OR ARE NOT AN INDIVIDUAL INSURED BY US, YOU MAY NOT ACCESS OR USE THE APP AND MUST UNINSTALL OR DELETE IT.

To see the Auto-Owners Privacy Policy applicable to insurance you have with us, see the Notice of Privacy Practices at https://www.auto-owners.com/privacy.  However, the following Privacy Policy (“Policy”) applies to your use of the App:

By accepting our Terms, and using the App, you consent to the data practices described in this Policy. All capitalized words not defined herein shall have the meanings ascribed to them in the Terms of Use.

What We Collect

In order to deliver our core features and functionality, this App collects identification, location and driving information from or about users and their devices, as follows:

  • Personally Identifiable Information or “Personal Information” is data that can be used to identify or contact a single natural person.
  • Location Data is information about the precise geographic location of the smartphone or other device you register with our App. In order to assess whether a registered user is driving, Location Data is always detected, including when you are in motion, whether you are a passenger or a driver.
  • Activity Data - the App uses sensors to collect motion data, in order to: (i) detect when you start driving a motor vehicle (as opposed to walking, running, or riding as a passenger in a motor vehicle or public transportation); and (ii) assess distracted driving as evaluated by three factors: swiping and typing, handheld calls, and hands-free calls.

When you initially access the App with the link provided by Auto-Owners, the App requests:

  • your phone number;
  • your name;
  • your photo (optional);
  • your email; and
  • how often you are the driver when you are in a car.

These types of identifiable data are stored separately from the Location and Activity Data We collect via our sensors. We will retain your Personal Information for the period necessary to fulfill the purposes outlined in this Policy unless otherwise required or permitted by law.

By signing up for and using this App, you agree that We may collect and use technical data and related information, including but not limited to, technical information about any device running the App, system and application software, and peripherals, that is gathered periodically to facilitate the provision of software updates, product support and other services to you (if any) related to our App. If We do pair or associate your Location or Activity Data with Personal Information you provide, We will treat the combined information as Personal Information.

The App requires access to Location Data to reach a determination about when you are operating a motor vehicle, to map your trips, and to track driving behaviors. The App will continuously detect and analyze data about location in the background. TrueRide by Auto-Owners stores trip locations and history, along with the Activity Data about driving behaviors such as swiping and typing, handheld calls, and hands-free calls, as well as frequent starting and/or ending points for a trip to enhance the performance of the trip capture.

Through sophisticated algorithms and other methods, We endeavor to correctly detect if the user is a driver or passenger of a motor vehicle during a trip; however, We also allow a user to see trip summaries and make corrections as necessary. Users can see a summarized list of trips together with start time and start and end location.

An internal ID is stored with both the activity data collected and the personal profile data of a registered user that allows to be tracked via the App if needed, to connect personal profile to activity data. The motion sensor in the phone or device’s operating system and technical means are used to ascertain when a registered device is in use by the operator of the motor vehicle (as opposed to other types of motion). We retain records about trips where the device was in motion even when the registered user was not operating a motor vehicle.

Passively Collected Data, such as IP Address or Device ID

As is true of most applications, We gather certain information automatically and store it in log files which may be managed by us or certain Business Partners. This information may include internet protocol (IP) addresses, or device ID. We use this information that We collect, which does not identify individual users by name or contact information, to analyze trends, to administer the App, and to track users’ movements with respect to the App. If We do pair or associate this data with Personal Information you provide, We will treat the combined information as Personal Information.

Use of Information Collected through the App

The App uses the information collected from or about you or your device to deliver the features and functionality of the App, and to improve our services to you by improving the App’s performance.

Any Information, Registration Data, Account information, or information or data described in this Policy, received from or collected through the App is not shared with unaffiliated third parties for marketing or their own use, except in relation to providing services involving the App for us or any of our Business Partners or, as to non-personalized data only, enhancing rate making methodologies and related telematics research purposes.

We may use various mobile application analytics tools and technologies (including Google Analytics) to study and evaluate App performance, reach, functionality and the like. The overall aim of these tools is to aid in making our App easy to use and to proactively identify and correct error conditions. These tools and technologies may also be used to assist users who report problems in the use of the App. Stored session data is used in accordance with this Policy.

We also use the information We collect to help Us create, develop, operate, deliver, and improve our products, services, content, and for anti-fraud purposes.

We may use your Personal Information to send important notices, such as communications about changes to features and functionality, or terms, conditions, and policies. Because this information is important to your interaction with TrueRide by Auto-Owners, you may not opt out of receiving these transactional messages while you continue to utilize the App. We may also use the information We collect for internal purposes such as auditing, data analysis, and research to improve TrueRide by Auto-Owners products, services, and customer communications.

Disclosures to Third Parties

Anyone else who has access to the apps or data stored on your phone will have access to your registration details, driving score, and past trip information. You are responsible for keeping these details private and carefully screening the persons with whom you share access to your device.

The App integrates third party analytics in order to facilitate and improve the functioning of the App, including performing statistical analysis of performance or of information collected from registered devices, such as analysis on sensor data and phone status (screen lock or unlock, WiFi status, background App refresh). We also may share anonymous, aggregated statistics about your use of our App with other companies.

We will disclose information collected from or about you or your device from your use of the App, without notice, only if required to do so by law or in the good faith belief that such action is necessary to: (i) conform to the edicts of the law or comply with valid legal process served on us; (ii) protect and defend the rights or property of Auto-Owners or the App; and (iii) act under exigent circumstances to protect the personal safety of Auto-Owners and App users or the public. We may also disclose information collected from or about you if We determine that for purposes of national security, law enforcement, or other issues of public importance, disclosure is necessary or appropriate.

We may also disclose information as necessary in connection with delivering features and functions of the App customer care, service quality, business management and operation, risk assessment, security, fraud and crime prevention/detection, monitoring and research and analysis.

Security of Information Collected through the App

We protect your information using technical, physical, and administrative security measures to reduce the risk of loss, misuse, unauthorized access, disclosure or modification of your information. Some of our safeguards include firewalls, data encryption, physical access controls, and administrative informational controls. While We have employed security technologies and procedures to assist safeguarding the information We collect from or about our users and their devices, no system or network can be guaranteed to be completely secure.

Your Access to App Information

Please ensure that your contact information and preferences are accurate, complete, and up to date by logging in to your Account and advising us of changes.

We provide App users the opportunity to review trip history and other activity.

We will consider reasonable requests to access, modify or correct Account data, which can be directed to TrueRide.Support@aoins.com. However, we may decline to process requests that are frivolous/vexatious, jeopardize the privacy of others, are extremely impractical, or for which access is not otherwise required by local law.

Communications With Us about TrueRide by Auto-Owners™

We appreciate your questions and comments about the App. We will share your communications with those within our organization who are most capable of addressing the issues contained in your message. We may archive your message for a certain period of time or discard it, but your e-mail address and e-mail will only be used in accordance with this Policy.

Using the App From Outside the United States

If you, on occasion, use the App from outside of the United States, please be aware that your information, including any data constituting “personal data” shall not be deemed subject to any laws other than those that are applicable in the United States. The data protection and other laws of the United States may not be as comprehensive as those in other countries. By using the App, you understand that your personal data information may be transferred to our facilities and to those third parties with whom We share such information as specified in this Policy.

No Information Collected from Children

As an app measuring and reporting the activities and behaviors of operators of motor vehicles, We do not knowingly collect, use or disclose any personal, location, or activity information from children under 13, or equivalent minimum age in the relevant jurisdiction. If you are a parent or guardian and believe We may have collected information about a child, please contact us.

Changes to this Policy

We may modify or amend this Policy at any time. Changes to this Policy will be effective when the revised Policy is posted on this site and/or otherwise communicated to you. The most recent version of the Policy is reflected by the version date located at the bottom of this Policy. If We make any material changes to our Policy, those changes will apply to the Personal Information collected after the effective date listed on the Policy. Your use or continued use of the App after any changes to this Policy are posted will be considered acceptance of those changes. Please read this Policy and the Terms of Use when you access the App to make sure that you continue to agree to their terms.

Privacy Questions

If you have any questions or concerns about this Policy, your Personal Information, data processing or if you would like to make a complaint about a possible breach of local privacy laws, or would like a paper copy of this Policy, please contact Auto-Owners Insurance Company at TrueRide.Support@aoins.com.  All such communications are examined and replies issued where appropriate as soon as possible. If you are unsatisfied with the reply received, you may refer your complaint to the relevant regulator in your jurisdiction. If you ask us, We will endeavor to provide you with information about relevant complaint avenues which may be applicable to your circumstances.

TRUERIDE BY AUTO-OWNERS™ PRIVACY POLICY VERSION DATE: November 7, 2017