Our Companywide Privacy Commitment to You
We understand how important safeguarding your personal and credit information is
to you. At Acceptance, we value you as a customer and are committed to
protecting your personal and credit information. This policy provides
information regarding how we have collected, used, and shared your personal
Information We Collect About You
Acceptance does not collect personally identifiable information from anyone
unless the information is provided to us voluntarily and knowingly or we are
otherwise permitted by law to obtain it. We may collect information,
including personal and credit information, about you when you initiate a request
to obtain an insurance quote, complete an application for one of our products,
or use our website or one of our services, or participate in our sweepstakes or
Personal data or information means any information about an individual from
which that person can be reasonably identified. It does not include data
where the identity has been removed (anonymous data). Depending on your
state of residence and the nature of the transaction, the types of information
we may collect, use and store could include: your name, marital status, date of
birth, the names and dates of birth of other members of your household, address,
telephone, electronic mail (e-mail), social security number, physical
characteristics or description, insurance policy number, education, driving
records, vehicle information, employment, credit history, bank information,
lienholder information, health insurance information, medical records, race,
national origin, religion, gender, sexual orientation, and/ or information about
other insurance you have or have had. We may also collect information about how
you use our website or products and services and your interests and preferences
in receiving marketing from us or select third parties.
Where We Collect Your Information
We collect customer information in a number of different ways. For
example, we gather information from applications and other forms related to the
quoting, purchase and servicing of your insurance; other products you purchase
from us; and your customer interactions with us related to items such as
payments, underwriting, claims and marketing.
The company also gathers information when you use electronic sources such as our
website, www.acceptanceinsurance.com. You are not required to register or provide information to us on
the website in order to view a large majority of our site. However, to obtain
services from Acceptance or to access portions of our website, you may be asked
to provide personal information. We use your information to personalize your web
experience or to provide you with requested services. Acceptance will only use
your information strictly in accordance with this Policy.
Acceptance may use "cookie" technology on our website. "Cookies" are small text
files a website can use to recognize repeat users, facilitate the user's access
to and use of the site and to track behavior of the web pages you visit, among
other uses. Our website may automatically collect cookies and other information,
including, but not limited to, your domain name, and Acceptance may compile
aggregate data for statistical purposes to improve content of our website or to
better administer the web pages available on the Acceptance website. If
you do not want information collected through the use of such technology, there
is usually a simple procedure on most browsers that allows you to automatically
decline many of them or make the choice to accept or decline.
Acceptance’s website may provide links to other companies or organizations of
interest to you. Acceptance is not responsible for how they collect, use,
disclose or secure the information you might provide them. If you choose
to use such a link, you should read their privacy policies to learn how they use
We may e-mail requests to you to complete and support your transactions with us
and to comply with the law. We may also send you e-mails to market our products,
follow-up on coverage quotes, respond to your questions, and to provide you with
information about your insurance policy and other insurance-related information
we think you will find useful. We will not share your e-mail address with third
parties without your consent. In addition to e-mail communications, we
also offer account and claims updates, and with your consent, market our
products, via SMS (text message). SMS messages may result in additional
charges from your cellular carrier.
Personal information may also be shared by you on message boards, chat, profile
pages, blogs or other forms of social media created by Acceptance. Please note
that any information you elect to post or disclose through these services will
become public information and may be available to visitors who may access
Acceptance Insurance social media forums, and to the general public. We
encourage you to be very careful when deciding to disclose your personal
information, or any other information, on the Acceptance Insurance social media
How We Use Your Information
The personal information we collect helps us to underwrite and provide accurate
insurance premium quotes; provide insurance claim services; offer other
financial and consumer products and services that may be of interest to you; or
to comply with state and/or federal laws and regulations.
How We Share Your Information
We share personal information, including information about our transactions with
you (such as payments), and experiences with you (such as a claim), within our
Acceptance family of subsidiaries and affiliates and with Acceptance agents to
help meet your product and service needs. We share customer information for our
business purpose, and as permitted or required by law. We share customer
information to handle your claim and with consumer reporting agencies to develop
property rates. We share customer information in connection with a proposed or
actual sale, merger, transfer or exchange of all or a portion of our business
unit; with companies that perform marketing or other services on our behalf; and
as needed to protect against fraud and unauthorized transactions and in
connection with the investigation, establishment and defense of legal rights.
Our affiliated companies may share information about you with each other in
order to provide you with products and services that best suit your needs.
To improve customer experience, subject to applicable laws, we may also record
and review conversations between you and our sales agents, customer support
and/or claims representatives.
Occasionally we may also share some of your personal information with
non-affiliated third parties for administrative services on our behalf.
These may include, for example, vendors performing business functions for us,
organizations that help to protect against insurance fraud, billing or mail
processing services, your agent or broker, and our reinsurers. These third
parties contractually agree to safeguard and keep confidential your personal
information as well as the products and services we provide you.
Finally, we may provide your personal information to other non-affiliated third
parties who have a legitimate need for the information. These may include,
for example, investigators, actuarial consultants, reinsurers, governmental
agencies, courts, and law enforcement authorities.
We do not share your personal information with non-affiliated third parties
except as stated here or as required by law. Subject to certain legal
exceptions, if you do not want us to share your personal information with these
companies submit a written, verifiable consumer request to us by writing us at
First Acceptance Corporation, 3813 Green Hills Village Drive, Nashville, TN
37215, ATTN: Compliance Department, or calling us at 800-297-2498. You may also
www.acceptanceinsurance.com/privacyrequestor the link titled “Your California Privacy Choices” on our website
www.acceptanceinsurance.com. You can also ask
us, directly or through our third-party affiliates, to stop sending you
marketing messages at any time by checking or unchecking relevant boxes to
adjust your marketing preferences, following the “unsubscribe” links on any
marketing e-mail message sent to you, or texting ‘STOP’ to any SMS marketing
message sent to you.
How We Protect Your Information
We maintain physical, electronic, and procedural safeguards to ensure your
personal information is treated responsibly and to protect against theft,
mishandling and loss in accordance with this Policy. We require our employees
and data processors to respect the confidentiality of any personal information
held by Acceptance. We restrict access to your personal information within our
organization to those employees who need access to provide products or services
No one, including Acceptance, can give absolute assurance that your information
will be secure 100% of the time due to the nature of the internet. Acceptance
uses appropriate commercially available anti-virus software to ensure that its
website does not contain or carry viruses. However, due to the rapidly
developing nature of viruses and the internet we strongly recommend that you
employ similar anti-virus software when accessing the Acceptance website.
Additionally, our website may include links to third party websites, plug-ins
and applications. Clicking on those links or enabling those connections
may allow third parties to collect or share data about you. We do not
control these third-party websites and are not responsible for their privacy
statements. When you leave our website, we encourage you to read the
privacy notice of every website you visit.
Managing Your Personal Information
You have the right to request that we disclose to you certain information about
our collection and use of your personal information. You also have the right to
request that we delete any of your personal information that we collected from
you and retained, subject to certain exceptions. To exercise your access,
portability, and deletion rights, as described above, please submit a written
verifiable consumer request to us by writing us at First Acceptance Corporation,
3813 Green Hills Village Drive, Nashville, TN 37215, ATTN: Compliance
Department, by calling us at 800-297-2498, or online at
Only you, may make a written verifiable consumer request related to your
personal information. You may also make a written verifiable consumer request on
behalf of your minor child. You may only make a written verifiable
consumer request for access or data portability twice within a 12-month period.
The verifiable consumer request must:
Provide sufficient information that allows us to reasonably verify you are
the person about whom we collected personal information or an authorized
Describe your request with sufficient detail that allows us to properly
understand, evaluate and respond to it.
We cannot respond to your request or provide you with personal information if we
cannot verify your identity to make the request and confirm the personal
information relates to you. Making a verifiable consumer request does not
require you to create an account with us. We will only use personal information
provided in a verifiable consumer request to verify the requestor’s identity or
authority to make the request.
If you use an authorized agent to submit a request to access, delete, or opt-out
on your behalf, the authorized agent must: 1) be a person or business entity
registered with the California Secretary of State to conduct business in
California; 2) provide proof of such registration; and 3) provide documentation
or other proof indicating that they are authorized to act on your behalf. For
requests to access or delete, we may require you to verify your identity
directly with us and confirm with us that you provided the authorized agent
permission to submit the request.
Once we receive and confirm your verifiable consumer request, we can delete
and/or direct our service providers to delete your personal information from our
records, unless an exception applies. We may deny your deletion request if
retaining the information is necessary for us or our service provider(s) to:
Complete the transaction for which we collected the personal information,
provide a good or service that you requested, take actions reasonably
anticipated within the context of our ongoing business relationship with
you, fulfill the terms of a written warranty or product recall conducted in
accordance with federal law, or otherwise perform our contract with you.
Detect security incidents, protect against malicious, deceptive, fraudulent,
or illegal activity, or prosecute those responsible for such activities.
Exercise free speech ensure the right of another consumer to exercise their
free speech rights, or exercise another right provided for by law.
Enable solely internal uses that are reasonably aligned with consumer
expectations based on your relationship with us.
Comply with a legal obligation.
Make other internal and lawful uses of that information that are compatible
with the context in which you provided it.
Response Timing and Format
We endeavor to respond to a verifiable consumer request within forty-five (45)
days of its receipt. If we require more time (up to 90 days), we will inform you
of the reason and extension period in writing.
Unless another period of time is specified in the consumer request, any
disclosures we provide will only cover the 12-month period preceding the
verifiable consumer request’s receipt. The response we provide will also explain
the reasons we cannot comply with a request, if applicable. For data portability
requests, we will select a format to provide your personal information that is
readily useable and should allow you to transmit the information from one entity
to another entity without hindrance.
We will not charge a fee to process or respond to your verifiable consumer
request unless it is excessive, repetitive, or manifestly unfounded. If we
determine that the request warrants a fee, we will tell you why we made that
decision and provide you with a cost estimate before completing your request.
Non-DiscriminationWe will not discriminate against you for exercising any
of your rights, including deny you goods or services; charge you different
prices or rates for goods or services, including through granting discounts or
other benefits, or imposing penalties; provide you a different level or quality
of goods or services; or suggest that you may receive a different price or rate
for goods or services or a different level or quality of goods or services,
unless permitted by law.
your personal information is protected and properly used. If you have
questions about this Policy, please feel free to e-mail us at
firstname.lastname@example.org, write us at First Acceptance Corporation, 3813 Green Hills Village Drive,
Nashville, TN 37215, ATTN: Compliance Department, call us at 800-297-2498,
or submit a request online at
addition, we will post the updated notice on our website and update the notice’s
effective date. We encourage you to review www.acceptance.com for the
latest information on our privacy practices.
RESIDENTS OF CALIFORNIA:
This policy was last updated on February 7, 2023.