PRIVACY POLICY
In this Privacy Policy references to “we” or “us” or “PBI” are to Pearland Brokerage Inc.
We reserve the right to amend this Privacy Policy at any time and without notice in response to changes in data protection laws and privacy legislation.
PROTECTION OF CHILDREN’S PRIVACY
No one under 18 years of age should submit personal information through our services.
We do not knowingly collect personal information directly from individuals under 18 years of age. PBI’s services are not intended for individuals under 18 years of age.
THE INFORMATION WE COLLECT
Non-public personally identifiable information and user data from non-affiliated third-party websites and applications (“Information”). The following sections tell you more about how and when we collect your Information.
INFORMATION WE OBTAIN FROM YOU
In all cases, we will collect personal data about you in accordance with the principles outlined in this Policy and applicable local law. You should be aware that our “lawful basis” for processing personal data about you may be impacted by the legal requirements in the country in which you reside.
The personal data about you that we collect includes the following categories of data:
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Category |
Basis of processing |
Purpose of processing |
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If you express interest in becoming a customer or have become a customer, we will collect contact information from you, including your name, postal addresses, email addresses, telephone numbers, social security number, drivers abstract, credit report, date of birth and driver’s license or other government-issued identification number |
It is necessary for the performance of our contracts, or the contracts of the companies whose insurance products we sell, with you, or to take steps necessary to enter into such a contract; or is necessary for us to comply with a legal obligation. |
This data helps us to communicate with you to provide you with the products and services you request and to ensure our compliance with regulations. |
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If you purchase an insurance policy through us, we will also collect information necessary to provide the policy, such as information about the vehicle to be insured. |
It is necessary for the performance of our contracts, or the contracts of the companies whose insurance products we sell, with you, or to take steps necessary to enter into such a contract; or is necessary for us to comply with a legal obligation. |
This data is used to provide you with the products and services you request, and to ensure our compliance with regulations. |
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If you become a customer, we keep track of the products and services you purchase from us. |
We collect this information on the basis of our legitimate interests in providing high quality, and tailored services to you. |
We keep track of your purchase history so that we can provide you with better service and all of our customers with better products and services. |
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When you visit our website or use our mobile app, we collect internet or other electronic identifiers that might uniquely identify you, along with information about your interaction with our electronic services. |
Consent and the legitimate interest in maintaining the security and integrity of our computer systems. |
This is required to help diagnose problems with our computers and to maintain and improve our website. Also, we may use a log file of IP addresses to gauge overall usage, traffic, and performance of our website. |
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When you provide us with your login and password to third-party websites and applications and access to the associated account information and user data. |
Consent and our legitimate interests in providing high quality, and tailored services to you. |
This data is used to provide you with the products and services you request and R&D and potential new products. |
If you gave us your email or mailing address, PBI may use it from time to time to notify you of such things as new services, special offers, or to confirm transactions. If you do not wish to be contacted by email for non-policy related communications, you may unsubscribe by following the instructions at the bottom of any PBI email you receive.
INFORMATION ABOUT YOUR TRANSACTIONS
We may collect Information about your transactions and experiences with us and others, such as your user data and account information with third-parties, payment history, claims, coverage, and vehicle changes.
INFORMATION FROM THIRD PARTIES
We may receive Information about you from reporting agencies, which provide us with motor vehicle reports.
We may also review your motor vehicle record and claims history with any renewal.
ACCESS AND CORRECTION OF PERSONAL INFORMATION
If you’d like to correct information that you provided to us, our representative will make the appropriate adjustments to PBI’s records. If you wish to correct personal information provided to PBI by a third party (such as a motor vehicle reporting agency) the representative will provide you with the applicable third party’s contact information. We will take reasonable steps to verify the accuracy of the personal information in our records.
THE INFORMATION WE DISCLOSE
Information about our customers or former customers will only be disclosed as permitted or required by law. Information about you that has been collected is maintained in your policy and/or claims records.
We use this Information to process and service your policy; to settle claims; with your consent; or as directed by you. We may also disclose it to persons or organizations as necessary to perform transactions you request or authorize. Information about our former customers and about individuals who have obtained quotes from us is safeguarded to the same extent as Information about our current policyholders.
The following are some examples of how we may disclose Information:
- We must exchange Information about you with underwriters, appraisers, attorneys, and other persons who are or will become involved in processing your application, renewal, and servicing your policy or any claims you may make.
- When you are involved in a claim, policy information is provided to adjusters and the businesses that will repair your vehicle.
- We may share Information with persons or organizations that we have determined need the Information to perform a business, professional, or insurance function for us. These include businesses that help us with administrative functions. All of these entities are obligated to keep the Information that we provide to them confidential and to use the Information only for the purpose for which the Information was provided.
- Information may be provided to organizations, including, without limitation, your insurance company or other insurance companies, conducting actuarial research or audits. In this case, you may be individually identified.
We may also share your Information for other permitted purposes, including:
- with another insurance company if you are involved in an accident with their insured
- with your insurance company as needed for claims and underwriting purposes
- with state insurance departments or other governmental or law enforcement authorities if required by law or to protect our legal interests or in cases of suspected fraud or illegal activities if ordered by a subpoena, search warrant or other court order
- with a third party loss control partner
- with non-affiliated third parties for sale to those third parties.
In addition, California law entitles California residents who have used our services for personal purposes, to request information concerning whether we have disclosed certain information about you within the past year to any third parties for the third parties’ direct marketing purposes. California users who wish to request further information in compliance with this law or have questions or concerns about our privacy practices and policies may contact us as specified in the “What to do if you have Privacy or Security concerns” section below.
CONFIDENTIALITY AND SECURITY
We restrict access to your Information to employees who we have determined need it in order to provide products or services to you. We train our employees to safeguard customer information. We maintain strict physical, electronic, and procedural safeguards to protect your Information from unauthorized access by third parties.
PBI make its best efforts to cooperate with EU data protection authorities (DPAs) including the advice given by such authorities with regard to data transferred from the EU.
STORAGE AND PROCESSING PERSONAL DATA
We store personal data about you on computer systems operated by or under the supervision of PBI or our affiliates or service providers and/or at our facilities. Our primary data center is located in United States of America. We will maintain personal data about you for as long as necessary in connection with both our and your legal rights and obligations for the purposes for which it was collected, to defend or advance legal claims, or as otherwise required by applicable laws. We will use our best efforts to delete personal data about you within 10 years of the expiration of a required retention period, as described above, at your request (where such request conforms to the relevant legal requirements and is not otherwise limited), and in any case, upon expiration of the maximum storage term set forth by applicable law.
ADDITIONAL INFORMATION FOR OUR INTERNET USERS
We continuously improve our business, including our website and offerings. We are interested in how visitors use our website, what they like and dislike, and where they have problems. We may gather data on how users navigate our site so we can make our website or app an easy place to do business. Our tools may gather data such as what browser a person uses or even what pages are most popular.
We use cookies to improve your experience while using our websites and our internet apps. Cookies are small files that are stored on your computer. They do not contain any personally identifiable information about you. They help us personalize your experience when you return to our website, and they are required for certain portions of our website. Most browsers let you determine whether or not you accept our cookies.
We also provide some links to third-party websites that are not owned by PBI. PBI has no control over their privacy practices and assumes no responsibility in connection with your use of their websites. We recommend that you check the privacy policy of any website before you provide any personally identifiable information.
CHANGES TO THIS PRIVACY POLICY
We may modify our privacy policy from time to time. The most recent version is always posted at PearlandBrokerage.com.
WHAT TO DO IF YOU HAVE PRIVACY OR SECURITY CONCERNS OR WANT TO OPT OUT
PBI commits to resolve complaints about our collection or use of your personal information. If you have a concern about privacy or security at PBI or want to OPT OUT, we want to hear about it by mail or email.
Please write to us at:
PEARLAND BROKERAGE INC.
c/o Legal Dept
36-01 43rd Avenue
Long Island City, NY 11101
or email us at help@PearlandNY.com.
EU individuals with inquiries or complaints regarding our Privacy Policy should first contact by email at help@PearlandNY.com.
The Effective Date of the Privacy Policy is February 14, 2020.