Privacy Policy

Effective Date: 11/29/22

Transverse Insurance Group (“Transverse Insurance Group,” “we,” “us,” or “our”) is committed to protecting the Personal Information (as defined below) we collect about you. This Privacy Policy explains the Personal Information we collect, use, and share when you visit or use our website, https://www.transverseinsurance.com/ (this “Website”). This Privacy Policy also applies to all products, Services, and websites (collectively, the “Services”) offered by Transverse Insurance Group. The Privacy Policy does not apply to information collected through third-party websites or services that you may access through the Website.

How We Collect Personal Information

Depending on how you use this Website and its features or interact with our Services, we or third parties working on our behalf may collect Personal Information from or about you. “Personal Information” includes any information that we collect about you that, alone or in combination with other information, can be used to identify you, such as a personal identifier, an identification number, online identifiers, or inferences about your preferences. Personal Information does not include publicly available information or information that is anonymous or aggregated so that it cannot be used to identify individuals who use the Services.

Use of Website. We may collect and process Personal Information, including but not limited to, name, address, phone number, email address, and any other information that you provide to us when you fill out forms on our website.

Automatically Collected Information. We collect information about how you use the Services and the devices you use to access the Website, such as device manufacturer, operating system, domain name and IP address, from all website visitors.

From our Business Partners. We work with and receive Personal Information from third parties with whom we have a business relationship, or when required by law.

What Personal Information We Collect

We may collect the following categories of Personal Information about you:

Identifiers, such as your name, social security number, passport number, driver’s license or government ID number, postal address, email address, account username, IP address, phone number, your signature, or other similar unique identifiers. We use this information to provide you with our Services, operate our business, and to otherwise communicate with you. We may provide this information to service providers and contractors, regulatory authorities, or to other third parties as required by law.
Sensitive Personal Information, such as your Social Security number, driver’s license or government issued identification number, health or medical information, racial or ethnic origin or specific geolocation. If you apply for insurance through a third party marketing partner that is a professional, trade, political, religious or community organization, we may also collect that information. We do not use or disclose your sensitive Personal Information for any purpose other than as permitted by applicable law. We do not sell or share your sensitive Personal Information as the terms “sell” and “share” are defined in the California Consumer Privacy Act. We may provide this information to service providers and contractors, or to other third parties as required by law.
Payment information. We or our service providers may collect your bank account, credit card or debit card information. We use this information to process payments for our Services. We do not, however, collect or store payment card or bank information. Payments and purchases are processed through our service providers.
Commercial information, such as records of personal property, products or Services obtained or considered, or other information related to your purchasing or consumer histories. We use this information to better understand your use of our Services and for our internal business purposes. We may provide this information to service providers and contractors, regulatory authorities, or to other third parties as required by law.
Sensory Information, including information captured about you through audio recordings when you call us. We may also collect photos in connection with claims assessment, processing, settlement and dispute. We may provide this information to service providers or third parties as required by law.
Geolocation data. We collect this information to provide you with our Services and to better tailor our Services to you depending on your geographical region. We may provide this information to service providers, contractors or to other third parties as required by law.
Professional information, including information relating to your role as a representative or agent of a company or business, such as your work title and contact information, educational background, and professional licenses and affiliations. We use this to conduct business with you or your employer and provide you with Services and otherwise communicate with you. We may provide this information to service providers and contractors or with other third parties as required by law.
Internet and other electronic activity information, such as your browsing history, search history, information about your interactions with our website, or interactions with our digital advertisements. We may also collect your device manufacturer, operating system, domain name and Internet Protocol (“IP”) address. We may provide this information to service providers, contractors or to other third parties as required by law. We may collect the following internet and other electronic activity data:
Your visits to our website: we collect information about visits to our website, such as the number of visitors and the number of users that click on certain links or use certain Services. For some applications, such as rate analysis, we link usage information with the customer visiting the website.
Log Data: we receive information that is automatically recorded by our servers when you visit our website, including your IP Address.

Cookies: when you visit or use our website or online Services, our server may create cookies, which are small text files that a website can send to your internet browser and may be stored in your browser or elsewhere on your computer. We use cookies and other similar technologies on our Website and online Services. We use cookies to evaluate website usage, provide Services to you, and to offer programs and/or Services that you may be interested in.

Our own Cookies: We use cookies on our website to provide basic functionality to the website for purposes such as logging into the system, maintaining session information, and enhancing access to the features of this website.
Google Analytics: Our website uses Google Analytics to help us analyze how users use the website and target users with appropriate advertisements. The information generated by the cookie about your use of the website (including your IP address) will be transmitted to and stored by Google. Read about Google’s privacy practices.

You may disable our use of cookies through your browser settings. Please note that if you disable your browser’s ability to accept cookies, you will be able to navigate our website, but you will not be able to take advantage of certain features.

How We Use Your Information

We and third parties working on our behalf may use the information we collect about you for various purposes, including:

To respond to your request or to communicate with you;
To provide you with the information or Services you requested;
To send email communications that may be of interest to you;
To analyze usage trends;
To improve and enhance the functionality of our Services and this Website;
To comply with a valid warrant, subpoena, or court order, or exercise or defend legal claims or otherwise comply with our legal obligations; and
To satisfy regulatory calls for information

The Circumstances in Which We May Disclose Your Personal Information

We do not share or sell your Personal Information with or to any third party not affiliated with Transverse Insurance Group as the terms “sell” and “share” are defined in the California Consumer Privacy Act. We will only disclose your Personal Information as described in this Privacy Policy, including in the following circumstances:

With authorized service providers and vendors that assist in operating our business, including services related to payment processing, customer service, fraud detection, email deployment, advertising, and other services;
With our corporate affiliates;
When requested by regulatory authorities;
To comply with the law or to respond to a subpoena, court order, government request, or other legal process;
As a part of a corporate transaction, such as a sale or transfer of company assets, a merger, consolidation, bankruptcy proceeding, or as otherwise legally permitted;
To protect our interests, rights, safety, or property or those of others;
To produce relevant documents or information in connection with litigation, arbitration, mediation, government or internal investigations, or other legal or administrative proceedings; and
Any other sharing or disclosure with your consent.

We may share aggregated or deidentified data and information derived from Personal Information with other entities for the purpose of performing activities that may help us provide and improve or Services.

Our Retention of Your Personal Information

We may retain Personal Information for as long as reasonably necessary to fulfill the purposes for which it was collected. In some circumstances, we may retain Personal Information for longer periods of time as may be necessary to comply with legal or regulatory requirements.

“Do Not Track” Signals.

Some web browsers have “Do Not Track” or similar features that allow you to tell each website you visit that you do not want your activities on that website tracked. Our Website does not currently respond to “Do Not Track” signals.

Security

We use reasonable administrative, physical, and technical safeguards designed to prevent unauthorized access, use, or disclosure of your Personal Information. Although we exercise reasonable care in providing secure transmission and storage of the Personal Information you provide to us through the Website, no method of transmission over the Internet, and no means of electronic storage, is absolutely secure. Accordingly, we cannot guarantee the absolute security of your Personal Information.

Links to Third-Party Websites

This Website may contain links to third-party websites. We do not control third-party websites and are not responsible for any information you may provide while on such third-party websites. Any information provided on such websites is governed by the privacy policies of the third-party websites and not this Privacy Policy. We encourage you to read the privacy policies on those websites before providing your information on such websites.

Children’s Privacy

This Website is not intended for children under 16 years of age, and we do not knowingly collect Personal Information from children under 16. If you are under 16, you are prohibited from using or providing any information through this Website or any of its features. If we learn we have collected or received Personal Information from a child under 16 without verification of parental consent, we will promptly delete that information.

Your California Privacy Rights

California Civil Code Section 1798.83, also known as the “Shine The Light” law, permits our users who are California residents to request and obtain from us, once a year and free of charge, information about categories of Personal Information (if any) we disclosed to third parties for direct marketing purposes and the names and addresses of all third parties with which we shared Personal Information in the immediately preceding calendar year. If you are a California resident and would like to make such a request, please submit your request in writing to us using the contact information provided below.

The California Consumer Privacy Act (“CCPA”) provides California residents with certain rights regarding their Personal Information. “Personal Information” for purposes of this section does not include information exempted from the CCPA, and due to the nature of our Services, much of the information we collect is exempt from the CCPA as it is subject to federal or state financial laws. To the extent that we collect personal information subject to the CCPA, residents of California (or their authorized representative) have the following rights:

Right to Know and Access Personal Information
You have the right to access and know what Personal Information we collect about you, and how we use, and disclose such Personal Information. We do not “sell” or “share” Personal Information as those terms are used in the CCPA.

Right to Request Deletion of your Personal Information
You have the right to request that we delete the Personal Information we have about you subject to certain limitations. If we do not delete your Personal Information for reasons permitted under applicable law, we will let you know the reason why.

Exercising Your Privacy Rights
If you are a California Consumer, to exercise your rights, please submit a request using one of the following methods:

Contacting us at info@transverseinsurance.com
Calling us at 888.250.8023

We cannot respond to your request or provide you with Personal Information if we cannot verify your identity or authority to make the request and confirm the Personal Information relates to you. When you submit a request, we will take steps to verify your identity, including by using identity verification services.

We will only use Personal Information you provide in connection with identity verification to verify the requestor's identity or authority to make the request and whenever feasible, we will attempt to match the information you provide with information we may already have about you.

If you wish to authorize a third party to make a request on your behalf through an authorized agent, you must contact the us directly and must provide a valid California power of attorney or comparable documentation of written permission from you and verification of your identity with us. Such power of attorney must meet the requirements of Probate Code sections 4000 to 4465. You may also make a privacy request on behalf of your minor child.

Non-Discrimination
You have the right not to be discriminated against for exercising any of your rights provided by applicable privacy laws. As result of exercising these rights, we will not deny you our Services; charge you different prices or rates for our Services, including through granting discounts or other benefits, or imposing penalties; or provide you a different level or quality of our Services unless permitted by applicable law.

Information we have collected in the last 12 months.
In addition to the categories of information identified above (see “What Personal Information We Collect”), we, or third parties working on our behalf, may have collected the following information from you in the past 12 months:

Information Subject to Protection under California Law, such as the Identifiers above, your signature, and we or our service providers may collect your bank account number, credit card number, or debit card number. We use this information to provide you with our Services and to otherwise communicate with you. We may provide this information to service providers, regulators or to other third parties as required by law.
Characteristics of Protected Classifications, such as your racial or ethnic origin. For more information, please see the “Sensitive Personal Information” description above.

Transfer of Personal Information

Transverse Insurance Group is based in the United States, and the Website and our Services are designed for users in, and operated by us from, the United States. If you reside outside the United States and use our Website, Services or otherwise provide information to us, your information will be transferred to and processed in the United States for the purposes described in this Privacy Policy, and your Personal Information may be subject to different levels of privacy protection than the country you are located in.

Marketing Communications

We may email marketing correspondence to you about our Services. To unsubscribe from these communications, please follow the unsubscribe instructions contained in the emails or contact us using the contact information below.

Modifications to this Privacy Policy

Transverse Insurance Group reserves the right to modify this Privacy Policy at any time by posting the revised version on this Website and updating the last modified date. We encourage you to review the Privacy Policy whenever you access this Website or otherwise interact with us to stay informed about our privacy practices.

Questions Regarding this Privacy Policy

If you have questions regarding this Privacy Policy, please contact us at please contact us through the channels listed below. Please include “Privacy” in the subject line of your inquiry.

By mail:

Transverse Insurance Group, LLC
15 Independence Blvd, Suite 430
Warren, NJ 07059

By email:

info@transverseinsurance.com