Privacy Policy

LAST UPDATED: OCTOBER 2017

This Privacy Policy is designed to assist you with understanding how Vault Reciprocal Exchange, as managed by its attorney-in-fact, Vault Risk Management Services, LLC, and its affiliates (collectively, “Vault”, “we”, “us” or “our”) collect, use and disclose the personal information you provide us when accessing or using our website, www.vault.insurance. By accessing or using our website, or by submitting personal information on our website, you signify your acceptance of this Privacy Policy and your consent to our processing and use of your personal information in accordance with this Privacy Policy.

Changes to our Privacy Policy

Any revisions to this Privacy Policy will be posted on our website. It is your obligation to periodically visit our website to review any changes that may be made to this Privacy Policy. Your continued use of our website constitutes your agreement to be bound by any such changes to this Privacy Policy. If you do not agree with this Privacy Policy, you are not authorized to use our website and your sole recourse is to not use our website. Please see the “Last Updated” date at the top of this Privacy Policy to see when it was last updated.

What Information Do We Collect?

When you visit Vault’s website, you may provide us with, and we may collect, two types of information:

  • personal information, including e-mail addresses and some location information (e.g., zip code), that you or an authorized person or agent voluntarily discloses to us that is collected on an individual basis; and/or
  • website use information collected on an aggregate basis as you and others browse our website.

Access to this information is limited to those individuals who require it in order to provide our products and services.

Use of Personal Information

Vault will only use personal information for purposes of: (i) fulfilling our legal or regulatory requirements; (ii) providing you with the information or services that you have requested or that arise as a result of or in relation to such services; or (iii) to help improve our website, products or services.

Vault will never sell or distribute your personal information outside our group of companies unless: (i) you expressly provide us with consent to do so; (ii) it is necessary to allow our affiliates, attorneys, adjusters, contractors, vendors or agents to provide services to us; (iii) in order to provide our products or services to you; (iv) it is necessary in order to allow third parties to provide marketing services on our behalf; or (v) we are required to disclose such information because of legal or regulatory requirements.

WEBSITE USE INFORMATION, COOKIES & OTHER DATA COLLECTION TOOLS

Similar to other commercial websites, our website utilizes browser software tools such as cookies and web server logs to collect information about how our website is used. (Cookies are a feature of web browser software that allow web servers to recognize the computer used to access a website by having small pieces of data stored by a user’s web browser on the user’s hard drive that can remember what information a user accesses on one web page to simplify subsequent interactions with that website or use the information to streamline the user’s transactions on related web pages.) Information gathered through cookies and web server logs helps us to design and arrange our web pages in a user-friendly manner and to continually improve our website to better meet the needs of our clients and prospective clients. Such information is collected on an aggregate basis and may include important business and technical statistics such as the date and time of visits, the pages viewed, time spent at our website and the websites visited just before and just after our website, how many people visit our website and our visitor capacity. None of this information is associated with you personally, and we do not use these technologies to capture your individual e-mail address or any personally identifying information about you.

In addition, we belong to ad networks that may use your browsing history across participating websites to show you interest-based advertisements on those websites. You may see ads for Vault on participating websites based on how you browse our website and those sites. We do not allow the network provider to provide your browsing behavior on our website to other websites.

WHAT IS PERSONAL INFORMATION?

Visitors are not required to register to access the public pages of our website. Personal information is collected only when voluntarily offered and solely for purposes that are clearly identified on our website (e.g., your request for information regarding the services and products we provide, your application to purchase insurance, etc.). Personal information means any information that is unique to you, including, but not limited to, name, mailing address, e-mail address, home and business phone number, or other personal information.

SECURITY OF PERSONAL INFORMATION

Although we take appropriate measures to protect the security of the information communicated through our website, no computer security system is entirely foolproof and the Internet is not a secure medium. As a result, Vault does not assume any responsibility for the data you submit to us through the Internet and we cannot and do not guarantee that information communicated by you to us will be received or that it will not be altered before or after its transmission to us. You agree to not hold Vault liable for any loss or damage of any sort incurred as a result of any misappropriation, interception, modification, deletion, destruction or use of information provided through our website.

Hyperlinks and Third-Party Sites

This website may contain links to other third party websites that may collect personal information about you, including through cookies or other technologies. If you link to another website, you will leave this website and this Privacy Policy will not apply to your use of, and activity on, those other websites.

CONTACTING US

If you have any questions about this Privacy Policy, please contact our Data Protection Officer at counsel@vault.insurance or (646) 794-0653.