Share on

Website Terms of Use

Acceptance of Terms of Use

Privacy Policy

Last modified: February 21, 2019

Introduction
This website is sponsored and paid for by American Property Casualty Insurance Association (“APCIA” or “We”). APCIA respects your privacy and is committed to protecting it through our compliance with this Privacy Policy. This Policy describes the types of information we may collect from you or that you may provide when you visit action.fightfraud.today (the “Website”) and our practices for collecting, using, maintaining, protecting, and disclosing that information. This Policy applies to Users and Registered Users, referred to collectively as "Users” herein. This Policy does not apply to information that:

  • We collect offline or through any means, including on any other website that APCIA or any third party operate;
  • Is “aggregate” information, which is data we collect about the use of the Website or about a group or category of services or users, from which individual identities or other personal information has been removed; or
  • Any third party may collect through any application or content that may link to or be accessible from or on the Website.

Please read this policy carefully to understand our practices regarding your information and how we will treat it. If you do not agree with this Policy or our practices, you should not use the Website. By using this Website, you agree to this Privacy Policy, which may change from time to time. Your continued use of this Website after we make changes is deemed to be acceptance of those changes, so please check the policy periodically for updates.

Information We Collect About You and How We Collect It
We collect several types of information from and about Users of the Website, including:

  • Information by which you may be personally identified, including your name, physical address and zip code, e-mail address, and telephone number (collectively “Personal Information”); and/or
  • Information about your internet connection, the equipment you use to access the Website, and/or usage details.
  • We collect this information:

    • Directly from you when you provide it to us on or through the Website, including:
      • Information you provide by filling in Website forms, including forms you complete to register to use the Website, forms you complete to engage in public official outreach via the Website or forms you complete to report a problem;
      • Records and copies of your correspondence (including e-mail addresses) you cause to be sent on your behalf or if you contact us;
      • Your responses to surveys that we might ask you to complete; and
      • Your search queries on the Website.
    • Automatically as you navigate through the site, including:
      • Details of your visits to the Website, including traffic data, location data, logs, resources you access, and other information collected through cookies, web beacons, and other tracking technologies and
      • Information about your computer and internet connection, including your IP address, operating system, and browser type.

    Details about Information Collected Automatically
    Information we collect automatically is statistical data and does not include personal information; but we may associate statistical data with personal information you provide to us. If we do associate statistical or aggregate data with your personal information, we will treat it as your Personal Information. Automatically collecting statistical data helps us improve the Website and deliver a better and more personalized service. The technologies we use for this automatic data collection include:

    • Cookies (or browser cookies). A cookie is a small file placed on your computer’s hard drive. You can refuse to accept cookies by activating the appropriate setting on your browser. To learn how to manage your Flash cookie settings, visit the Flash player settings page on Adobe’s website. However, if you select this setting you may be unable to access certain parts of the Website. Unless you have adjusted your browser setting so that it will refuse cookies, the Website will issue cookies when you direct your browser to the Website.
    • Web Beacons. Pages of the Website may contain small electronic files known as web beacons (also known as clear gifs, pixel tags, and single-pixel gifs) that permit APCIA, for example, to count visitors to pages and for other statistics like recording the popularity of certain Website content and verifying system and server integrity.

    How We Use Information We Collect
    We use information we collect about you or that you provide to us, including any personal information:

    • To present the Website and its contents to you and to store information about your preferences, allowing us to customize the Website according to your individual interests;
    • To provide you with information or services that you request from us;
    • To ensure that grassroots communications you direct be sent on your behalf are sent to the elected official relevant to the jurisdiction in which you reside;
    • To carry out our obligations and enforce our rights under any contracts you and we enter into, including the Terms of Use;
    • To notify you about changes to the Website, including this Privacy Policy;
    • Estimate our audience size and usage patterns;
    • Speed up your searches;
    • Recognize you when you return to the Website; and
    • For any other purpose for which you provide information or give your consent.

    We may allow others to serve advertisements on our behalf, or on behalf of the Consumer Protection Coalition, across the Internet and to provide analytics services. These entities may use cookies, web beacons, and other technologies to collect information about y

    our use of the Website and other websites, including your IP address, web browser, pages viewed, time spent on pages, links clicked, and conversion information. We may use this information or share it with others, as allowed by this Privacy Policy, to analyze and track data, determine the popularity of our content, deliver advertising and content targeted to your interests on the Website, to better understand your online activity, or any other Privacy Policy compliant use.

    Your browser settings may allow you to automatically transmit a “Do Not Track” signal to websites or other online services you visit. As of the date of this Privacy Policy, there is no consensus among industry participants as to what “Do Not Track” means in this specific context. We do not alter our Website practices in response to a “Do Not Track” signal from a User or Registered User’s browser. To find out more about “Do Not Track”, please visit http://www.allaboutdnt.com.

    The Website may contain links to other websites. This Privacy Policy does not apply to such websites. We are not responsible for the actions of any service providers or other third parties, nor are we responsible for any additional information you provide directly to third parties, and we encourage you to become familiar with their privacy practices before disclosing information directly to any such parties. Nothing in this Privacy Policy restricts the sharing of aggregated or anonymized information, which may be shared with third parties without your consent.

    Disclosure of Your Information
    We may disclose, without restriction, aggregated information about our users and information that does not identify any individual.

    We may disclose personal information we collect or you provide as described in this Privacy Policy:

    • To the Consumer Protection Coalition and/or any members thereof, our members, subsidiaries, and affiliates;
    • To contractors, service providers, and other third parties who support our business and who are contractually bound to keep personal information confidential and use it only for the purposes for which we disclose it to them;
    • To a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of APCIA’s assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by APCIA about the Website Users is among the assets transferred;
    • With your consent or to fulfill the purpose for which you provide information and for any other purpose disclosed by us when you provide it;
    • To comply with any court order, law, or legal process, including to respond to any government or regulatory request;
    • To enforce or apply our Terms of Use; and
    • If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of APCIA, our members, or the Consumer Protection Coalition and/or any members thereof, which includes exchanging information with companies or organizations for purposes of enhancing security or fraud protection.

    Accessing and Correcting Your Information
    If you are a Registered User, you can review and change your personal information by logging into the Website and visiting your “My Profile” page and the “Edit your Info” link.

    You may also send us an e-mail to Compliance@apci.org in order to request access to, correct, or delete any personal information that you provided to the Website. Please note that we cannot delete your personal information except by also deleting your user account. We may not accommodate a request to change information if we believe the change would violate any law or legal requirement or cause information to be incorrect.

    Your California Privacy Rights California
    Civil Code Section §1798.83 permits the Website users who are California residents to request certain information regarding our disclosure of personal information to third parties. To make such a request, please send an e-mail to Compliance@apci.org or write us at Compliance, Attn: The Consumer Protection Coalition, 8700 West Bryn Mawr Ave., Ste. 1200S, Chicago, Illinois 60631-3512.

    Data Security
    We have implemented measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration, or disclosure. All information you provide to us is stored on secure servers behind firewalls.

    However, the safety and security of your information also depends on you. You are responsible for keeping confidential the login information you use to access the Website. We ask you not to share your login information with anyone.

    Unfortunately, the transmission of information via the internet is not completely secure. Although we have put in place safeguards to protect your personal information, we cannot guarantee the security of your personal information transmitted to the Website. Any transmission of personal information is at your own risk. Notwithstanding, we are not responsible for circumvention of any privacy settings or security measures contained on the Website.

    Changes to Our Privacy Policy
    It is our practice to post a notice that the Privacy Policy has been updated on the Website home page. If we make material changes to how we treat Users’ personal information, we will notify you by e-mail using the e-mail address specified in your account and/or through a notice on the Website home page. The date the Privacy Policy was last revised is identified at the top of the document. Users are responsible for ensuring we have an up-to-date active and deliverable e-mail address for them and for periodically visiting the Website and this Privacy Policy to check for any changes. Your continued use of the Website following the posting of a revised Privacy Policy means that you accept and agree to the changes.

    Contact Information
    To ask questions or comment on this Privacy Policy or our related practices, contact us at Compliance@apci.org, or Compliance, Attn: The Consumer Protection Coalition, 8700 West Bryn Mawr Ave., Ste. 1200S, Chicago, IL 60631-3512.