Privacy Policy

We are committed to protecting your privacy and your personal information that you share with us. Here are the basics of our privacy policy. Continue reading to see the entire policy.

  • We obtain personal information from you directly and from your transactions with us.
  • We do not collect personally-identifying information from you when you visit our web site or online services unless you affirmatively provide it to us.
  • We do not allow third parties to collect personally identifying information from your computer or mobile device when you visit our web site or use our online services.
  • We will not sell your information to third parties.
  • Any third parties who perform services for us are required to safeguard any customer information and may only use it in connection with performing those services.
  • We extensively secure and limit access to your information.
  • We protect information about potential, current, and former policyholders.

The Information Collected

Non-public personally identifiable information ("Information") is information that identifies you and is not available to the general public. The following sections tell you more about how and when we collect your Information.

Information Obtained

During the application or claims handling processes you may give us Information such as your:

  • Name.
  • Address.
  • Phone number.
  • Email address.
  • Social Security number.
  • Date of birth.

If you gave us your email address, ARAG may use it from time to time to notify you of such things as new services, special offers, or to confirm transactions. If you do not wish to be contacted by email for non-policy related communications, you may unsubscribe by following the instructions at the bottom of any ARAG email you receive or by contacting us.

If you are a policyholder or member, you can log in to your account at ARAGLegalCenter.com to manage your email subscriptions. To access your email subscriptions click on My Account in the top right of the homepage, then click on Email Address and Subscriptions on the left side of the screen. If you are not a policyholder or member, you may unsubscribe via the footer of your email or by contacting us.

Information About Your Transactions

We may collect Information about your transactions and experiences with us and others, such as your payment history, claims, and coverage.

Location Services for Mobile Apps

Your current location is only determined if you choose to use a function on our apps to determine your current location. If you allow your location to be obtained using an ARAG app, ARAG will use the services of Google Maps API to determine your estimated location. Use of this information is solely to distinguish your current location and will not to identify you. ARAG does not automatically track your location when you use our apps. ARAG uses the services of Google Maps API for location services. The Google privacy policy is available at http://www.google.com/policies/privacy and by this reference, is incorporated into this ARAG Privacy Policy.

The Information We Disclose

Information about our customers or former customers will only be disclosed as permitted or required by law. Information about you or your company that has been collected is maintained in your or your company's policy and/or claims records.

We use this Information to process and service your policy; to settle claims; with your consent; or as directed by you. We may also disclose it to persons or organizations as necessary to perform transactions you request or authorize. Information about our former customers and about individuals who have obtained quotes from us is safeguarded to the same extent as Information about our current policyholders.

The following are some examples of how we may disclose Information:

  • We must exchange Information about you with attorneys, and other persons who are or will become involved in processing your application and servicing your policy or any claims you may make.
  • We may share Information with persons or organizations that we have determined need the Information to perform a business, professional, or insurance function for us. These include businesses that help us with administrative functions. All of these entities are obligated to keep the Information that we provide to them confidential and to use the Information only for the purpose for which the Information was provided.
  • Information may be provided to organizations conducting audits. In this case, you will not be individually identified in any audit report. The organization must agree not to redisclose the Information and the Information will be returned to us or destroyed when it is no longer needed.
  • We may also share your Information for other permitted purposes, including:
    • with another insurance company if you are involved in an incident with their insured.
    • with state insurance departments or other governmental or law enforcement authorities if required by law or to protect our legal interests or in cases of suspected fraud or illegal activities.
    • if ordered by a subpoena, search warrant or other court order.

Confidentiality and Security

We restrict access to your Information to employees who we have determined need it in order to provide products or services to you. We train our employees to safeguard customer information, and we require them to sign confidentiality and non-disclosure agreements. We maintain strict physical, electronic, and procedural safeguards to protect your Information from unauthorized access by third parties.

ADDITIONAL INFORMATION FOR OUR INTERNET USERS

We continuously improve our websites. We are interested in how visitors use our websites, what they like and dislike, and where they have problems. We may gather data on how users navigate our site so we can make ARAGlegal.com and ARAGgroup.com easy places to do business. Our tools may gather data such as what browser a person uses or even what pages are most popular.

We receive and store certain types of information from you whenever you interact with our Sites. Like many other websites, we store “cookies” and other web-based files on user devices to get certain types of information when your web browser accesses our Site.

We use cookies to improve your experience while using our websites and our internet apps. Cookies are small files that are stored on your computer. They do not contain any personally identifiable information about you. They help us personalize your experience when you return to our website, and they are required for certain portions of our website. Most browsers let you determine whether or not you accept our cookies. If you don't use cookies, you won't be able to use certain ARAGlegal.com or ARAGgroup.com features, such as keeping your product in your cart until you are ready to purchase.

ARAGgroup.com and ARAGlegal.com may place small pieces of computer code (embedded objects) on our pages to help our advertising partners such as, Google Adwords or Facebook, count how many customers they referred to our site. We may also use objects placed on other sites to monitor your exposure to our advertising or other offers online. These objects don't collect any personally identifiable information about you. Please click http://www.networkadvertising.org/managing/opt_out.asp to learn more or "opt out" of the persistent cookies and targeted advertising delivered by these vendors.

We also provide some links to third-party websites that are not owned by ARAG. ARAG has no control over their privacy practices and assumes no responsibility in connection with your use of their websites. We recommend that you check the privacy policy of any website before you provide any personally identifiable information.

CHANGES TO THIS PRIVACY POLICY

We may modify our privacy policy from time to time. The most recent version is always posted at ARAGlegal.com.

WHAT TO DO IF YOU HAVE PRIVACY OR SECURITY CONCERNS

If you have a concern about privacy or security at ARAG, we want to hear about it by mail or email.

Please write to us at:

Privacy Administration
Attention: Legal Department
ARAG North America, Inc.
500 Grand Avenue, Suite 100
Des Moines, IA 50309
or email us at legal@ARAGlegal.com.

The Effective Date of this Privacy Policy is January 26, 2018.