Privacy Policy

Last updated on 09/22/2021

Roamly Insurance Group, LLC, (“Roamly“, “we” or “us“) provides this Privacy Policy to inform you of our policies and procedures regarding the collection, use and disclosure of personal information we receive from users of Roamly.com (the “Site“) and any insurance products or services made available by Roamly, including but not limited to information collected during the on-line application process, through our agents and service representatives, and through information obtained from third parties, all of the foregoing are, collectively, the “Services”. This Privacy Policy applies only to information that you provide to us through the Services. 

Please read this Privacy Policy carefully.  If any term in this Privacy Policy is unacceptable to you, please do not use the Website or provide us with any personally identifiable information.  By accessing or using this Website or our Services, you signify your acknowledgment and consent to the terms of this Privacy Policy and our Terms of Use.  This includes your consent to Roamly placing cookies on your devices, as described below.

As used in this policy, the terms “using” and “processing” information include using cookies on a computer, subjecting the information to statistical or other analysis, and using or handling information in any way, including, but not limited to collecting, storing, evaluating, modifying, deleting, using, combining, disclosing, and transferring information within our organization or among our affiliates within the United States or internationally.  As used in this policy, the term “you” means any person submitting any data, personal or otherwise, on the Site and through the Services.  

This Privacy Policy may be updated from time to time. We may update this Privacy Policy to reflect changes to our information practices. If we make any material changes, we will notify you by email (sent to the e-mail address specified in your Roamly Account) or by means of a notice on the Services prior to the change becoming effective. We encourage you to periodically review this page for the latest information on our privacy practices. Unless otherwise defined in this Privacy Policy, terms used in this Privacy Policy have the same meanings as in our Terms of Use.

Information Collection and Use

Our primary goals in collecting information are to provide and improve our Site, Services, features and content, to administer your use of the Site and to enable users to enjoy and easily navigate the Site.

Personally Identifiable Information

We may collect personal information you provide directly to us, such as when you request a quote; apply for, purchase or modify insurance coverage; create or modify your account; inquire about, file or check the status of a claim; pay your bill; sign up for our communications or request information from us; contact customer support; chat with us using the chatbot; respond to a survey; or otherwise communicate with us. 

The personal information we collect from you may include: your name, e-mail address, residential property address, postal address, driver’s license number, account username and password and related security questions, date of birth; Social Security number; your signature, phone number, family member information, payment card information, financial account information and insurance policy information; age, gender, marital status and veteran or military status; your payment history, claims history, property information and records, records of products or services purchased, lender information, and information necessary to determine discount qualification and eligibility; information about your automobiles, RV and motorhome; and other information you choose to provide to Roamly. 

Some forms on the online services may require that you provide certain personal information to submit the form. You may choose not to provide personal information in those cases, but this may prevent you from being able to use certain features of our online services, including, for example, our online quoting tool. 

We use cookies and similar technologies on our online services, electronic communications and advertisements that automatically receive and track certain data about how you and other visitors interact with our online services, preferences expressed, and settings chosen. In some cases, we do this through the use of cookies, pixel tags and similar technologies that create and maintain unique identifiers. The personal information we collect automatically using these technologies may include: your IP address and device and advertising identifiers; and your browser type, your operating system and data regarding network-connected hardware, information regarding your interactions with pages you visit on our online services, access dates and times, system activity and the third-party site or service you were using before interacting with our online services. Some information about your use of our online services and certain third-party services may be collected using cookies and similar technologies across time and services and used by us and third parties for purposes such as to associate different devices you use and deliver relevant ads and/or other content to you on the online services and certain third-party services. 

We may also collect personal information about you from other sources. In some instances, we may combine the personal information we collect about you from other sources with personal information we collect from you. For example, we may collect personal information about you from third parties for us to provide you with a pre-quote for our products and services. We also may obtain personal information about you from consumer reporting agencies or insurance support organizations as well as from commercially available sources such as data aggregators and public databases. Once you obtain insurance, we may obtain personal information about you from third-party providers of products and services, if you use such products or sign up for such services to be eligible for a discount on your insurance. Depending on your relationship with us, this personal information may include: your name, e-mail address, residential property address and postal address; information about your residential properties, your demographic information and information we obtain when you connect to Roamly through social media; and a credit-based insurance score report; your inspection report; your traffic and criminal violations information; your claims history with other companies (including liability claims as well as property claims); and claims history for adults in your household. 

Log Data

When you visit the Site, whether as a customer or a non-registered user just browsing (any of these, a “Roamly User“), our servers automatically record information that your browser sends whenever you visit a website (“Log Data“). This Log Data may include information such as your computer’s IP address, browser type or the webpage you were visiting before you came to our Site, pages or features of our Site that you visit or use, the time spent on those pages, information you search for on our Site, access times and dates, and other statistics. We use this information to monitor and analyze use of the Site and for the technical administration of the Site, to increase the functionality and user-friendliness of the Site, and to better tailor our Site to our visitors’ needs. We also use this information to verify that visitors to the Site meet the criteria required to process their requests. We do not treat Log Data as Personally Identifiable Information or use it in association with other Personally Identifiable Information, though we may aggregate, analyze, and evaluate such information for the same purposes as stated above regarding other Non-Identifying Information.

Cookies

Like many websites, we use “cookies” to collect information. A cookie is a small data file that we transfer to your computer’s hard disk for record-keeping purposes. We use cookies for two purposes. First, we utilize persistent cookies to save your login information for future logins to the Site. Second, we utilize session ID cookies to enable certain features of the Site, to better understand how you interact with the Site and to monitor aggregate usage by Roamly Users and web traffic routing on the Site. Unlike persistent cookies, session cookies are deleted from your computer when you log off from the Site and then close your browser. Third party advertisers on the Site may also place or read cookies on 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 functionality of the Site.

Web Beacons

Our Site may contain electronic images known as Web beacons (sometimes called single-pixel gifs) and are used along with cookies to compile aggregated statistics to analyze how our Site is used and may be used in some of our emails to let us know which emails and links have been opened by recipients. This allows us to gauge the effectiveness of our customer communications and marketing campaigns.

Phishing

Identity theft and the practice currently known as “phishing” are of great concern to Roamly. Safeguarding information to help protect you from identity theft is a top priority. We do not and will not, at any time, request your credit card information, your Roamly Account ID, login password, or national identification numbers in a non-secure or unsolicited e-mail or telephone communication. For more information about phishing, visit the Federal Trade Commission’s website at http://www.ftc.gov.

Information Use

Roamly collects information from you, including Personally Identifiable Information, for a variety of purposes, as described above. This may include to: 

  • Underwrite, sell, solicit, and negotiate insurance products and services.

  • Process your order.

  • Contact you regarding your account, your orders, upcoming and/or failed payments, renewals, and endorsements, or for any other important reason; provide you with a requested quote or offer goods and services. When you submit contact information to us as part of an attempted or completed request for a quote or offer for goods and services, you consent to receive telephone calls, emails, text messages, mailers, or other similar communications in connection with these goods and services. 

  • Contact you with relation to our Site and products or services offered through our Site if you expressly provide us with your contact information in connection with our Site or the products or services offered through our Site.

  • Provide you with information and/or services you request.

  • Determine eligibility and process applications for products and services.

  • Inform you regarding products and services we may offer; communicate, service, and bill accounts or clients.

  • Inform the research and development of new products and services.

  • Analyze claims data or other data to (i) respond to your questions or provide you information that you request; (ii) provide you with products, services, or subscriptions that you select, including associated benefits; (iii) carry out our obligations and enforce our rights arising from any contracts entered between you and us, including for billing and collection; (iv) present our Website and its contents to you; (v) help dynamically generate content on web pages or in newsletters; (vi) store information about your preferences, so we can better personalize your content; and (vii) conduct other commercial purchases, including advertising and product development.

  • Obtain and update insurance or credit information with appropriate third parties, such as credit reporting agencies.

  • Monitor and administer accounts and the services thereto.

  • Conduct employee and other training.

  • Perform market analysis, analytics, decisioning, advertising and marketing of products and services to you, or to facilitate advertising and marketing.

  • Fulfill contractual obligations; comply with or satisfy a legal or regulatory requirement.

  • Fulfill any additional commercial purposes, provided that it is within the applicable law(s).

Information Sharing and Disclosure

Roamly does not rent or sell the Personally Identifiable Information that we collect except in accordance with this Privacy Policy.   Roamly may disclose your information, including Personally Identifiable Data, as follows:

  • To insurers, reinsurers, insurance intermediaries, brokers, underwriters, insurance reference bureaus, medical service providers, fraud detection agencies, our advisers, loss adjusters, lawyers, accountants, and others involved in the claims handling process (“Disclosure”).  Additionally, to guaranty funds or agencies, applicable rating agencies of the financial institution, persons assessing our compliance with industry standards, and our attorneys, accountants, and auditors.

  • To Roamly entities or service providers working on our behalf that reside in geographical borders outside the United States.  This means that we may store this information in a jurisdiction other than where you are based, including outside the United States.  We will take all steps reasonably necessary to ensure that your data is treated securely and subject to appropriate safeguards in accordance with this Privacy Policy and applicable legislation.

  • To third parties who assist us in operating our Website, conducting our business, or servicing you, including marketing and advertising.

  • To Roamly’s affiliates for conducting their business, or servicing you, including marketing and advertising.

  • To other insurance companies with which Roamly has joint marketing agreements for marketing and advertising.

  • As permitted by law, to third party insurance rate advisory organizations and other organizations who compile commercial databases of insurance and financial information which may include premium and loss data, vehicle history, name, address, ownership structure, liens, judgements, and payment history.

  • To comply with the law, enforce our Website policies, or protect our or others’ rights, property, or safety. 

  • If we are required to do so or have the good faith belief that such action is necessary to conform to the edicts of the law or comply with legal process or request served on Roamly.

  • When necessary or appropriate to prevent physical harm or financial loss, in connection with an investigation of suspected or actual illegal activity.

  • As required for company audits or to investigate a complaint or security threat.

  • To enforce or apply our Website policies and/or other agreements, including for billing and payment collection purposes, or to protect the rights, property, or safety of Roamly or our customers, or others.  This may include an exchange of information, including your Personally Identifiable Information, to other companies and organizations for the purposes of fraud protection and credit risk reduction.

  • For any other purpose you have consented to when required by applicable law and regulations.

  • To our service providers which are contractually restricted from using or disclosing your information except as necessary to perform services on our behalf or to comply with legal requirements.

By providing Personally Identifiable Information, including sensitive information, to Roamly, you consent to the types of disclosures or data transfers outlined in this Privacy Policy.

If you have consented to us sharing your personal information with an affiliate or third party, you can withdraw your consent by emailing us at service@roamly.com. If you withdraw your consent, we will discontinue sharing your personal information with that entity.

Roamly retains your data so long as necessary to fulfill the Purposes for which it was collected unless a shorter retention period is otherwise agreed to by contract.  Roamly may hold onto your data for a longer retention period if it is necessary to meet regulatory or legal requirements, enforce our Terms of Service, or prevent fraud or abuse, or in the ordinary course of archiving our business records.

Aggregate Information and Non-Identifying Information

We may share aggregated information that does not include Personally Identifiable Information and we may otherwise disclose Non-Identifying Information and Log Data with third parties for industry analysis, demographic profiling, and other purposes. Any aggregated information shared in these contexts will not contain your Personally Identifiable Information.

Service Providers

We may employ third party companies and individuals to facilitate our Site, to provide the Site on our behalf, to perform Site and Application-related services (e.g., without limitation, maintenance services, database management, web analytics, fraud detection services relating to the activity of Roamly Users and improvement of the features of the Service) or to assist us in analyzing how our Site is used. These third parties may have access to your Personally Identifiable Information; if they do, this access is only so that they may perform these tasks on our behalf and they are obligated not to disclose or use it for any other purpose. We may also provide Personal Information to our affiliates for the purpose of providing you with information on goods or services we believe will be of interest to you. You can, at any time, opt out of receiving such communications.

Compliance with Laws and Law Enforcement

Roamly cooperates with government and law enforcement officials and private parties to enforce and comply with the law. We will disclose any information about you to government or law enforcement officials or private parties as we, in our sole discretion, believe necessary or appropriate to respond to claims and legal process (including but not limited to subpoenas), to protect the property and rights of Roamly or a third party, to protect the safety of the public or any person, or to prevent or stop activity we may consider to be, or to pose a risk of being, any illegal, unethical or legally actionable activity.

Security

Roamly is very concerned with safeguarding your information. When you enter sensitive information (such as credit card number and/or social security number) on our registration or order forms, we encrypt that information using secure socket layer technology (SSL). We follow generally accepted industry standards to protect the Personally Identifiable Information submitted to us, both during transmission and once we receive it. No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, we cannot guarantee its absolute security. If you have any questions about security on our Services, you can contact us.

We will make any legally required disclosures of any breach of the security, confidentiality, or integrity of your unencrypted electronically stored “personal data” (as defined in applicable state statutes on security breach notification) to you via email or conspicuous posting on the Services in the most expedient time possible and without unreasonable delay, insofar as consistent with (i) the legitimate needs of law enforcement or (ii) any measures necessary to determine the scope of the breach and restore the reasonable integrity of the data system.

Links to Other Websites

Our Site may contain links to other websites. If you choose to visit an advertiser by “clicking on” a banner ad or other type of advertisement, or click on another third-party link, you will be directed to that third party’s website. The fact that we link to a website or present a banner ad or other type of advertisement is not an endorsement, authorization, or representation of our affiliation with that third party, nor is it an endorsement of their privacy or information security policies or practices. We do not exercise control over third party websites. These other websites may place their own cookies or other files on your computer, collect data or solicit personal information from you. Other websites follow different rules regarding the use or disclosure of the personal information you submit to them. We encourage you to read the privacy policies or statements of the other websites you visit.

Testimonials

By agreeing to the Terms of Service, we may post your testimonial or reviews on the Site along with your name. If you want your testimonial removed, please contact us.

Our Policy Toward Children

The Site and Application are not directed to individuals under 18. We do not knowingly collect personally identifiable information from children under 13. If a parent or guardian becomes aware that his or her child has provided us with Personally Identifiable Information without their consent, he or she should contact us. If we become aware that a child under 13 has provided us with Personally Identifiable Information, please notify us so that we may delete such information from our files.

International Transfer

YOUR INFORMATION MAY BE TRANSFERRED TO – AND MAINTAINED ON – COMPUTERS LOCATED OUTSIDE OF YOUR STATE, PROVINCE, COUNTRY, OR OTHER GOVERNMENTAL JURISDICTION WHERE THE PRIVACY LAWS MAY NOT BE AS PROTECTIVE AS THOSE IN YOUR JURISDICTION. IF YOU ARE LOCATED OUTSIDE THE UNITED STATES AND CHOOSE TO PROVIDE INFORMATION TO US, ROAMLY TRANSFERS PERSONAL INFORMATION TO THE UNITED STATES AND PROCESSES IT THERE. YOUR CONSENT TO THIS PRIVACY POLICY FOLLOWED BY YOUR SUBMISSION OF SUCH INFORMATION REPRESENTS YOUR AGREEMENT TO THAT TRANSFER.