Privacy policy

Last Updated: February 28, 2023

Pinnacol Assurance values your right to privacy. This Privacy Policy will inform you about how we use and disclose information that we and our service providers collect from your visits to (the “Website”) through the software applications made available by us for use on or through computers and mobile devices (the “Apps”), through use of social media pages that we control (“Social Media Pages”), and through email, text and instant messages that we send to you (collectively, including the Website, the Apps, and our Social Media Pages, the “Services”).

If you have purchased or applied for an insurance product from us, or if you are a claimant under a policy, you and/or your employer has received or will be receiving a copy of Pinnacol Assurance’s Privacy Statement, which contains important additional information about our privacy practices. In the event of any conflict between this Privacy Policy and the Privacy Statement, the Privacy Statement will control.

We also recommend that you review the Terms of Use for this Website, which contains additional terms governing use of this Website and its contents.

Your Consent

By using the Services, you consent to the collection, use and disclosure of your information as described in this Privacy Policy. If you do not consent, please do not use these Services.

We reserve the right to change this Privacy Policy without providing you with advance notice of our intent to make the changes. If we modify this Privacy Policy, we will post the changes on this page and change the “Last Updated” date at the top of the page. You are bound by any such revisions and should therefore visit this page routinely so that you remain aware of what we collect, how we use, and under what circumstances we may disclose, your information.

Personal Information

“Personal information” is information that directly identifies, or might reasonably be used to identify, a user of the Services. Examples of personal information include a name, address, phone number, e-mail address, social security number, federal employer identification number, driver’s license number, credit or debit card number, policy or claim information, and health information. If you apply for a job or register with our career center, personal information may, in certain circumstances, also include information about your work and educational history.

During your visit to this Website, you may initiate a transaction such as requesting a premium price quote, requesting information about benefits, or filing a claim. The information, including personal information, volunteered by you in initiating the transaction is used by us to provide the Services.

Interactions you make with this Website may be recorded to assist with compliance and customer experience.

If you submit any personal information relating to other people to us or to our service providers, you represent that you have the authority to do so and to permit us to use the personal information in accordance with this Privacy Policy.

How We May Use Personal Information

We may use personal information:

  • To provide a quote, underwrite and rate policies, respond to your inquiries, fulfill your requests, and complete your transactions.
  • To process claims.
  • To service your insurance.
  • To confirm or correct what we know about you.
  • To help us prevent fraud and other crimes.
  • To comply with applicable laws.
  • To perform research or send you surveys.
  • To send you information that we believe may be of interest to you.
  • To personalize your experience on the Services.
  • To inform you of job opportunities and to evaluate your suitability for a job.
  • To contact you at a telephone number you provide to us, including if the number is for a cell phone or other wireless device. We may contact you in person, by recorded message, by the use of automated dialing equipment, by text (SMS) message, or by any other means of communication your device is capable of receiving, as allowed by law and for reasonable business purposes, including to service your policy with us.
  • For our business purposes.
  • As otherwise allowed by law.

How We May Disclose Personal Information

We may disclose personal information:

  • Within Pinnacol Assurance and its affiliates.
  • To third parties to help us manage or service our business. These third parties can include, but are not limited to, agents or brokers, medical providers, other insurance companies, regulators, administrators, and service providers that provide services such as website hosting, data analysis, payment processing, and related infrastructure provision.
  • To insurance support organizations and consumer reporting agencies. Information that we share with these organizations, such as your claims history, may be retained by them and disclosed to others.
  • To third parties so that they can market their products and services to you, if you have given us permission.
  • To a third party in the event of any reorganization, merger, sale, joint venture, assignment, transfer or other disposition of all or any portion of our business, assets or stock (including in connection with any bankruptcy or similar proceedings).
  • As we believe to be necessary or appropriate: (a) under applicable law, including laws outside your country of residence; (b) to comply with legal process; (c) to respond to requests from public and government authorities including public and government authorities outside your country of residence; (d) to enforce our Terms of Use; (e) to protect our operations; (f) to protect our rights, privacy, safety or property, and/or that of you or others; (g) to detect and prevent fraud; and (h) to allow us to pursue available remedies or limit the damages that we may sustain.
  • As otherwise allowed by law.

Non-Identifying Information

“Non-identifying information” is any information that does not reveal your specific identity or does not directly relate to an individual, such as browser log data, information collected through cookies, pixel tags and other technologies, physical location data, and aggregated information.

How We May Collect Non-Identifying Information

We and our third party service providers may collect non-identifying information in a variety of ways, including:

  • Browser log data. When you visit our Website, our servers automatically record information that your browser sends whenever you visit a website. This browser log data may include information such as your computer’s IP address, browser type, operating system or the webpage you were visiting before you came to our Website, pages of our Services that you visit, the time spent on those pages, access times and dates, and other statistics. Browser log data may also include pixel tags or other similar technologies, which may be used in connection with some pages and HTML-formatted email messages to, among other things, track the actions of website users and email recipients, and compile statistics about site usage and response rates.
  • Cookies and similar technologies. We may use cookies and similar technologies to identify your browser or device. We also use these technologies to collect and store information when you interact with our Services.
  • Physical location. We may collect the physical location of your device by, for example, using satellite, cell phone tower or WiFi signals.
  • Aggregated information. Aggregated information does not personally identify you or any other user of the Services.

How We May Use and Disclose Non-Identifying Information

We may use and disclose non-identifying information for any purpose, except where we are required to do otherwise under applicable law. For example, we may use non-identifying information as follows

  • Browser Log Data. We may use browser log data to monitor and analyze use of our Website and for the Website’s technical administration, to increase the Website’s functionality and user-friendliness, and to better tailor it to our users’ needs. We do not treat browser log data as personal information or use it in association with other personal information, though we may aggregate, analyze and evaluate such information for the same purposes as stated herein regarding other non-identifying information.
  • Cookies and similar technologies. We may utilize persistent cookies to save your login information for future logins to the Website. We also may utilize session ID cookies to enable certain features of the Website, to better understand how you interact with the Website and to monitor aggregate usage by users and web traffic routing on the Website. Unlike persistent cookies, session cookies are deleted from your computer when you log off from the Website and then close your browser. You can instruct your browser, by changing its options, to stop accepting cookies or to prompt you before accepting a cookie from the websites you visit. If you do not accept cookies, however, you may not be able to use all portions or functionalities of the Website.
  • Physical location. We may use your device’s physical location to provide you with personalized location-based services and content. We may also share your device’s physical location, combined with information about what advertisements you viewed and other information we collect, with our marketing partners to enable them to provide you with more personalized content and to study the effectiveness of advertising campaigns. In some instances, you may be permitted to allow or deny such uses and/or sharing of your device’s location, but if you choose to deny such uses and/or sharing, we and/or our marketing partners may not be able to provide you with the applicable personalized services and content.
  • Aggregated personal information. We may use aggregated personal information to provide you with a better experience, to improve the quality and value of our Services, and to analyze and understand how the Website is used.

“Do Not Track” Practices

At this time, we do not honor do-not-track signals from browsers or other consumer choice mechanisms regarding the collection of behavioral tracking data. While we collect personal information as described above, we do not collect personal information to monitor your online activities across third party websites or online services and over time (also known as behavioral advertising or interest-based advertising). We do not use or allow third parties to collect personal information from you on the Website in order to monitor your online activities across third party websites or online services and over time.

Third-Party Websites

THIS PRIVACY POLICY ONLY APPLIES TO THIS WEBSITE. The Website may provide links to other websites but when you click on any of these links you will be redirected from the Website to another third-party website. Be advised that we do not exercise control over these third-party websites that may be displayed as links on our Website and we are not responsible for such websites. These third-party websites may solicit information from you, place their own cookies or other files on your computer, or collect other forms of data from you. You should carefully review the privacy statements of any third-party websites you visit, because those privacy statements will apply to your visit to such other websites.

Children’s Privacy Protection

We take special care to protect the privacy needs of children under the age of 13 and we do not seek to collect information about children under the age of 13. No information should be submitted to or posted on this Website by users under 13 years of age. If a child under the age of 13 submits personal information to the Website, we delete the information as soon as we discover the source of the submission and do not use it for any other purpose. We encourage parents to take an active role in their children’s use of the Internet, and to inform them of the potential dangers of providing information about themselves over the Internet.

Safeguarding Personal Information

We seek to use reasonable organizational, technical and administrative measures to protect personal information within our organization. Unfortunately, no data transmission or storage system can be guaranteed to be 100% secure. If you have reason to believe that your interaction with us is no longer secure (for example, if you feel that the security of any account you might have with us has been compromised), please immediately notify us of the problem by contacting us in accordance with the “Contact Us” section below.

Social Security Protection Policy Statement

We seek to protect the confidentiality of social security numbers (“SSNs”) by maintaining physical, electronic, and procedural safeguards. We limit access to SSNs to help protect against their loss, misuse or unlawful disclosure. We do not disclose SSNs to third parties except where required or permitted by law.

Contact Us

If you have any questions or comments about Pinnacol Assurance, the Services, or this Privacy Policy, please contact us via the “Contact” link at the top of this page.