Privacy Policy

Last Updated: August 2021

The Terms and Conditions of the Website are incorporated herein and all terms not otherwise defined herein shall have the meaning attributed to them in said Terms and Conditions of the Website.

This privacy policy (this “Privacy Policy”) is intended to inform you how Euclid Insurance Services, Inc. (“Euclid,” “we,” “us” or “our”) may collect and use your personally identifiable information (“Personal Information”) and other information through our websites www.euclidmortgage.com/, www.euclidprograms.com (the “Website”) as well as other online channels and social media, including but not limited to Facebook, Instagram, LinkedIn, and Twitter (collectively, the “Social Media”, and together with the Website, the “Sites”).

We have a philosophy about the way we interact with our users. If you hear from us, we will always aim to be respectful, relevant and appropriate. If at any time you do not feel we’ve lived up to our philosophy, please let us know straight away by getting in touch with us at [email protected].

HOW CAN THE TERMS OF THE PRIVACY POLICY BE MODIFIED?

This Privacy Policy constitutes a contract between you and Euclid. We reserve the right to change, modify, alter or otherwise update how we handle the information we collect and process via the Sites, and to modify this Privacy Policy, at any time. All changes and modifications are effective upon posting. You agree to review this Privacy Policy periodically to be aware of any such modifications. We will indicate that changes to this Privacy Policy have been made by updating the date after “Last Updated” at the beginning of this Privacy Policy. If you do not agree to the then-current version of this Privacy Policy, then you are not authorized to use the Sites. Continued use of the Sites is deemed conclusive acceptance of the changed or modified Privacy Policy. Any material changes in the way we use Personal Information will apply only to information collected thereafter, unless we provide you with notice or obtain your consent in accordance with applicable law. The current version of this Privacy Policy is accessible via the footer of the Website’s homepage.

HOW DO WE COLLECT INFORMATION?

The Website enables Website users (each a “user” and collectively “users,” “you,” “your,” “yours” or “yourself”) to browse the Website and, when applicable, to enter information. The Sites allow users to submit content known as Your Submissions (as defined in Terms and Conditions of the Website). By using the Sites, you consent to the collection and use of your Personal Information and other information by Euclid as described in this Privacy Policy, including collection of your Personal Information and other information via Your Submissions, survey responses, sweepstakes entries, direct messaging, emails, phone calls and other communications with Euclid and Euclid Parties, and photography and videos, including sound recordings.

We may obtain Personal Information or Non-Personal information from third parties such as our service providers, vendors, independent contractors, business partners, sponsors, and other sources (e.g., offline records or publicly available information). We may combine Personal Information we collect with information that we obtain from these sources. We will treat any such combined information as Personal Information. Additionally see our GDPR Policy.

Cookies (including web beacons, pixels, gifs, tags or similar technologies) are alphanumeric identifiers that we transfer to your computer’s hard drive through your browser to enable our systems to recognize your browser and tell us how and when pages in the Sites are visited and by how many people. Our cookies do not collect Personal Information, and we do not combine the general information collected through cookies with other Personal Information to tell us who you are or what your screen name or email address is.

Most browsers have an option for turning off the cookie feature, which will prevent your browser from accepting new cookies, as well as (depending on the sophistication of your browser software) allowing you to decide on acceptance of each new cookie in a variety of ways. You may use the Sites even if you choose to reject or delete certain cookies. We strongly recommend that you leave the cookies activated, however, because cookies enable you to take advantage of some of the Website’s most attractive features.

Advertisements appearing on the Sites may be delivered to users by our advertising partners, who may set cookies. These cookies allow the ad server to recognize your computer each time they send you an online advertisement to compile information about you or others who use your computer. This information allows ad networks to, among other things, deliver targeted advertisements that they believe will be of most interest to you. This Privacy Policy covers the use of cookies by Euclid Parties (as defined in Terms and Conditions of the Website) and does not cover the use of cookies by any advertisers.

The Website may contain plugins for services like Facebook or Twitter, and we recommend that you review the privacy policies that apply to these plugins, prior to clicking on the plugins. A plugin is a software component that adds a specific feature to an existing program, allowing for customization.

The Website may use Google Analytics, which uses cookies to collect and store anonymous information about you, which may include the non-Personal Information described above. You can read Google Analytics’ privacy policy at https://policies.google.com/privacy?hl=en and Google Analytics Terms of Use at http://www.google.com/analytics/tos.html. You can opt-out from being tracked by Google Analytics in the future by downloading and installing Google Analytics Opt-out Browser Add-on for your current web browser at http://tools.google.com/dlpage/gaoptout?hl=en.

WHAT INFORMATION DO WE COLLECT?

CLIENT DATA

Clients and counterparties (collectively, “EM Clients”) of Euclid Mortgage Insurance Services LLC (“Euclid Mortgage”) from time to time may provide Euclid Mortgage with data in the form of loan tapes or other data files. Each EM Client hereby authorizes Euclid Mortgage to use the data specifically pertaining to such EM Client and/or its employees, agents and customers that Euclid Mortgage may obtain in the course of performing services (the “Client Data”) for the purpose of enabling Euclid Mortgage to perform services. Each EM Client warrants and covenants that, throughout the term of this Agreement, such EM Client has, and will have, the right to authorize Euclid Mortgage’s use of the Client Data as set forth in this Agreement. In addition, each EM Client grants Euclid Mortgage the right to deidentify and aggregate Client Data and to use such deidentified and aggregated data (“Pooled Client Data”) for its own purposes, provided that such data is never re-identified or associated with such EM Client. Such deidentified and aggregated data shall not be considered Client Data.

PERSONAL INFORMATION

Account Information: We may provide you with an account ID and password that allows you to add, modify, or update your account data on the Website. You shall be solely responsible for the confidentiality of your ID and password and for any authorized or unauthorized access to the Sites by any person using your ID and/or password. You agree to notify us immediately of any unauthorized use of your password, ID, or any other breach of security discovered by you.

Sites Use: We may receive and store any information you enter through your account, the Sites or provide to us in any other way. The types of Personal Information collected may include your name, user name, address, citizenship, residency, email address, phone number, gender, birthdate, account username and password, your image, words, and actions in photos or videos, information you provide when you contact us or, when applicable, to obtain products or services with us, transaction history, IP address, Site use information, browser information, type of user, type of insurance preference, location information, blogs, stories and all information within Your Submissions. The Personal Information you provide may be used for such purposes as allowing you to post Your Submissions, improving the content of the Sites, customizing the advertising and content you see and communicating with you about new features of the Sites or our products or services. We may also draw upon this Personal Information in order to adapt the Sites to your needs.

Communications: When you sign up for an account, obtain products or services with us, and/or use certain features, you may opt in to receive communications from us. You can manage some of your messaging preferences, but note that you cannot opt out of receiving transactional, administrative, legal or technical messages from us. We may collect information you provide us through customer service correspondence and general feedback. We may store Personal Information that you provide through communications to us, including information received from phone calls, letters, emails and other electronic messages, or in person.

NON-PERSONAL INFORMATION:

We may collect and store information provided by your computer or mobile device in connection with your use of the Sites, such as your browser type, type of computer or mobile device, browser language, IP address, mobile carrier, phone number, unique device identifier, advertising identifier, location (including geolocation, beacon based location, and GPS location) and requested and referring URLs. We may de-identify or aggregate Personal Information to create Non-Personal Information. We may combine certain information about your use of the Sites with similar information that we obtain from other users for use in an aggregate or anonymous manner. We will treat as Personal Information any Non-Personal Information that is combined with Personal Information.

HOW WILL WE USE YOUR INFORMATION?

We may use your information for the following purposes:

(a) to help provide services to you, or to analyze or improve our services;

(b) to send you our newsletter or updates or otherwise to fulfill your requests or respond to your communications and transactions;

(c) to carry out surveys and other activities and to analyze our user base to help us determine whether the Sites provide the types of content that you (our audience) is looking for;

(d) to check whether you are eligible for a sweepstakes, contest, competition or promotion and to contact you in connection with such a sweepstakes, contest, competition or promotion;

(e) to comply with any applicable law, regulation or judicial process; or

(f) otherwise as we feel is reasonably necessary to prevent illegal or dangerous activity or to protect our interests.

WILL WE USE YOUR INFORMATION FOR MARKETING?

We may use your Personal Information to market to you, by sending you emails to promote our products or services, or we may display offers, promotions, products or services from us or from our business partners or advertisers on the Sites, which we think will interest you based upon the information we collect from you. If we send you emails to promote our services, unsubscribe instructions will be included. Please note that unsubscribe requests may take up to ten (10) business days to become effective. You may not opt out of receiving communications regarding your transactional, administrative, legal or technical messages about the Sites or our services.

In addition, we may share your Personal Information with third parties for their direct marketing purposes, unless you instruct us not to do so.

WILL WE SHARE YOUR PERSONAL INFORMATION WITH ANYONE ELSE?

We may share your Personal Information if:

(a) you specifically request this, such as when you submit Personal Information to inquire about jobs or submit a job application through the Website (if such functionality is offered by us);

(b) you specifically request this, such as when you submit Personal Information to inquire about specific insurance through the Website;

(c) we are required to do so to comply with the law, subpoenas, or with the direction of the courts or other authorities;

(d) we feel it is reasonably necessary to prevent illegal activity or to protect our interests or the safety of others; or

(e) in connection with the sale, transfer or other sharing of some or all of our assets with any parent company, subsidiary, joint venture, or company under our common control, as well as with a potential acquirer, including without limitation in connection with a merger, reorganization, or sale of assets, or in the event of bankruptcy.

We may share your Personal Information with our third-party service providers, to help provide and improve our service to you or to carry out surveys and user analysis to understand your needs and preferences. For instance, we will share your Personal Information with our email host and our newsletter distributor. We obligate these service providers to agree by contract to take reasonable steps to keep your Personal Information safe and secure, and to use your Personal Information only for the purposes we specify. We also may share your Personal Information in any manner in its de-identified or aggregated form, including sharing some broader statistics and user profiling information with third parties and other “Euclid” affiliated entities.

Keep in mind, when you share and post Your Submissions using the Sites, Your Submissions may be public and may be viewed by and available to anyone and can be seen or accessed through online search engines, APIs, and offline media. Personal Information which you share publicly on the Sites via your postings will no longer be considered Personal Information, including, for example, your name, social media handle, age, or other identifiers.

“DO NOT TRACK” SIGNALS

We do not alter the practices detailed herein based upon your selection of the “Do Not Track” setting or other “opt out” setting or feature that may be offered by your browser; however, we reserve the right to do so in the future.

NOTICE OF PRIVACY RIGHTS OF CALIFORNIA RESIDENTS

We have adopted a policy of not sharing your Personal Information with third parties for their direct marketing purposes if you request that we do not do so (“Opt-Out Policy”). You may make such a request by sending us an email at [email protected] or mailing your request to:

Euclid Insurance Services, Inc.

234 Spring Lake Drive

Itasca, IL 60143

Re: Disclosure Request

When contacting us, please indicate your name, address, email address, to which of the Sites your request pertains, and what Personal Information you do not want us to share with third parties for their direct marketing purposes. There is no charge for controlling the sharing of your Personal Information or for processing this request.

If you are a California resident and have provided Personal Information to a business with an Opt-Out Policy and that business is required to respond to such requests, you may be entitled by law to request certain information regarding disclosures of Personal Information made by to third parties for the third parties’ direct marketing purposes during the immediately preceding calendar year (“Disclosure Request”). Such a business is not required to respond to more than one Disclosure Request per customer each year, or to respond to requests made by means other than through the contact information designated by the business for such purposes. Note that due to our Opt-Out Policy described in the preceding paragraph, we are not obligated by law to provide you with the requested information.

If you are still interested in making a Disclosure Request, please send us an email at [email protected]. In the Disclosure Request, specify that you seek your “California Customer Choice Privacy Notice.” Please allow thirty (30) days for a response, but understand that we are entitled by law to respond to your Disclosure Request by notifying you of your right to prevent the disclosure of Personal Information pursuant to our Opt-Out Policy, and by providing you with a cost-free means to exercise that right.

WHAT EFFORTS DO WE MAKE TO SECURE THE WEBSITE?

We have in place substantial security procedures as to how your Personal Information is stored and used, and to try to prevent any unauthorized access or misuse of it. Our goal is for all of the Personal Information you submit to us to be located behind a firewall. We take security extremely seriously, but as no system is 100% secure so we cannot completely guarantee the protection of your Personal Information, any more than any other organization can. Thus, we cannot guarantee that such information will not be lost, disclosed or accessed by accidental circumstances or by the unauthorized acts of others.

WHAT ARE OUR POLICIES REGARDING CHILDREN?

The Sites are intended for general use of persons who have reached the age of majority or consent in their jurisdiction of residence. Persons between thirteen (13) years of age and the age of majority or consent in their jurisdiction of residence may only use the Sites with consent and supervision of a parent or legal guardian. The Website and our Social Media are not targeted to anyone under thirteen (13) years of age. Euclid does not knowingly collect Personal Information from anyone under thirteen (13) years of age. If we learn that we have inadvertently collected Personal Information from anyone under thirteen (13) years of age, we will promptly delete such information from our records.

If Your Submission contains images of children or Personal Information related to anyone under the age of majority or consent in their jurisdiction of residence, you may not post, upload, or share Your Submission unless you are the parent or legal guardian of the referenced child. By submitting Your Submission to us, you represent that you are the parent or legal guardian of any child in Your Submission, and you waive all claims relating to any Personal Information of a child referenced or shown in Your Submission.

DO WE PROVIDE LINKS TO OTHER WEBSITES?

The Sites may contain links to websites or social media of third parties. We do not have any control over the content of any of the sites or social media at these links, and we take no responsibility for any information you may give the websites or other social media. Other websites have different privacy and security policies, which we advise you to read before submitting your information to them. Once you visit another website, you are subject to the provisions of the privacy policy of such website and not by this Privacy Policy.

HOW YOU CAN ACCESS YOUR PERSONAL INFORMATION?

You can request, at any time, access to the Personal Information we hold about you by emailing us at [email protected] to make such a request. Please note that responses to such requests may take up to ten (10) business days.

CORRESPOND WITH US

If you have any queries, comments or complaints regarding this Privacy Policy, please just get in touch with us at [email protected].