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northern neck Virginia Insurance

    Privacy Policy

    (Last Updated 6/30/2025)

    At Northern Neck Insurance Company (NNIC), our goal is to professionally and respectfully serve the property and casualty insurance needs of our policyholders. The information you provide to us helps us achieve that goal. This notice tells you about our policy for the use collection, sharing, and protection of that information. If you are not an applicant or a current NNIC policyholder, then the only terms of this Privacy Notice that apply to you are those contained within our Website Usage Policy.

    Types of Information We Collect

    We may collect the following information about you or your family members as part of your application for insurance or as part of the claims process:

    • Names

    • Addresses

    • Tax Id Number

    • Drivers’ License

    • Information prepared by third parties (like a consumer report)

    • Financial information (Bank Account and Credit Card)

    • Medical records

    • Motor vehicle records

    • Phone number

    • Email

    • Date of Birth

    How We Collect Information

    We may collect information in the following ways:

    • Through forms you submit as part of your application for insurance

    • From and through our website (see Website Usage Policy, below)

    • From our communications with you or your family members about insurance claims or applications for insurance

    • From third parties we may engage to help us with our work

    Who We May Disclose Information To

    We may disclose the information we collect related to current and former policyholders, without prior authorization and as permitted by law, to affiliated parties and non-affiliated third parties, including to the following:

    • To third parties if this is required for our work, provided they agree not to re- disclose your information except as permitted by law

    • To another insurance company or an insurance agent if it’s reasonably necessary to perform an insurance transaction or to detect or prevent fraud or criminal activity

    • To a medical provider under certain limited circumstances, such as to verify insurance coverage

    • To an insurance regulatory agency

    • To a law enforcement or other government authority upon their request or to help prevent fraud or crime

    • To a party performing actuarial or research studies, provided they do not identify you in any report

    • To a group policyholder for their performance of an audit or review

    • Your information may be transferred to third parties in connection with the sale of NNIC or the acquisition of another entity by NNIC

    Types of Information We May Disclose

    We may disclose the following types of information:

    • “Financial Information” which is anything “from which judgments can be made about an individual’s character, habits, avocations, finances, occupation, general reputation, credit, heath, or any personal characteristics.” This includes the following:

      • Name

      • Address

      • Automobile and Drivers’ license information

      • Insurance claim information

    • We may disclose medical records to outside counsel or 3rd party medical professionals for NNINS as part of the claims process

    Our Information Security

    We employ reasonable administrative, technical, and procedural safeguards to protect your information. These include:

    • Data Encryption: All personal data is encrypted both in transit and at rest using industry-standard encryption protocols

    • Access Controls: Access to personal data is restricted to authorized personnel only and is regularly reviewed to ensure compliance

    • Document Retention Policy: Documents will only be retained for as long as necessary to fulfill the purpose for which they were collected or as required by law. Documents that are no longer required will be identified and disposed of securely

    • Third-Party Compliance: Any third-party service providers we use are required to adhere to our stringent data protection standards

    • Employee Training: All employees undergo regular training on best practices for data protection and privacy

    Your Rights

    After we collect it, you have rights with respect to your information. These include:

    • The right to access your information

      • If you submit a written request to (nninfo@nnins.com) to reasonably describing what information you would like to access, then within 60 business days we will respond by identifying what information we have located and how you can obtain a copy

    • The right to correct, amend, or delete your information

      • If you submit a written request to (nninfo@nnins.com) to correct, amend, or delete any of your personal information that we have, then within 60 business days we will either comply with your request, or notify you of any reason we cannot comply, as well as information about how you can provide a statement about the disputed information that will become part of your file

    • You have the right to opt out of our disclosure of your information to our affiliates - however in this event we will no longer be able to service your account. We will abide by the terms, conditions, and exclusions of the policy which may include denial of insurance benefits. Your account may also be canceled or non-renewed.

    Social Security Protection Policy Statement

    We’re committed to complying with all legal and contractual duties regarding the confidentiality of Social Security numbers. We protect the confidentiality of Social Security numbers by disclosing them only as permitted by law. We seek to limit their access, use, and disclosure consistent with this Privacy Notice and our use of reasonable physical, administrative, and technical safeguards.

    Changes to Our Privacy Notice

    We may, from time to time, make changes to our Privacy Notice, and all changes will be in effect as of the date of the posting of the updated Notice on our Website. We recommend that visitors to this site re-visit this Privacy Notice on occasion to learn of new privacy practices and any changes to our Privacy Notice. You can determine when this Privacy Notice was last updated by reviewing the “Last Updated” date at the beginning of this Notice.

    How to Contact Us

    Should you have any questions or concerns about our Privacy Notice or the collection of information, please e-mail us at nninfo@nnins.com.

    Website Usage

    NNIC is committed to helping you make the most of your time on the Internet within a trusted environment. In addition to the NNIC Website (www.nnins.com), our other Internet offerings may include blogs, online forums, or other interactive features (we refer to our Website and these other offerings together as the “Web Pages”) that enable consumers to share information about our services or other issues of interest. This portion of our Privacy Notice discloses how we collect, protect, use, and share information gathered about you from our Web Pages. We hope that this disclosure helps increase your confidence in our Web Pages and enhances your experience on the Internet.

    Normal Website Usage. When you browse our Website, you are anonymous. It does not collect personal information such as your name, address, telephone number, or e- mail address as you browse. The only data we collect and store during normal Website usage is typical web server log data. Examples of this type of data are the name of your Internet service provider, the site that referred you to us, any pages you request, the time and date of those requests, etc. We use this information to generate statistics and measure site activity to benefit our Website users and the services provided by NNIC.

    Personal Information Collected on Our Web Pages. Our Web Pages collect only that personal information that you voluntarily provide to us. For example, our Website collects personal information that visitors provide when they complete any online form, application, survey, or resume, or when they request a quote for insurance. We also collect and store the contents of e-mail you send to us, along with your contact address and our response. Any information we collect from any insurance transaction is subject to the terms of this Privacy Notice and by applicable law.

    Visibility of Your Information to Others. Please be aware that any communications you submit or post to any interactive features on our Web Pages may be viewable by other participants or users of our Web Pages. Therefore, you acknowledge and understand that you have no expectation of privacy or confidentiality in the content you submit for such interactive features, whether it contains personal information about you. In addition, you are responsible for all content that is publicly viewable on our Website or that you may post to our other Web Pages. You therefore agree that you shall refrain from posting any content which is libelous, defamatory, obscene, protected by copyright, or which contains the personally identifiable information of you or third parties. We reserve the right, at our sole discretion, to remove any content which violates the previous sentence and/or to discontinue your access to these features.

    By submitting any content (other than personal information), you grant to NNIC an unrestricted, irrevocable, worldwide, perpetual, royalty-free license to use, publish,

    reproduce, display, publicly perform, distribute, transmit and use such information and materials for any purpose, in any manner and in any media, without consideration paid to you, including without limitation, disclosing any such information and materials as necessary to satisfy any law, regulation, or governmental request. NNIC shall not be subject to any obligations of confidentiality regarding any information or materials that you submit except as specifically agreed with you or as required by law. By virtue of your posting, you hereby grant NNIC permission to track your comments as necessary.

    Consent to Contact. By providing your information via online form or email, you are providing express consent by electronic signature that you may be contacted by telephone (via call and/or text messages) and/or email for marketing purposes by NNIC or an independent insurance agent representing NNIC regarding insurance products and services using the phone number and/or email address you have provided to NNIC, even if your phone number is listed on a Do Not Call Registry. Your consent is not a condition of purchase.

    Use of Cookies. A cookie is a message sent to your browser from a Web server that is stored on your computer's hard drive. The message is sent back to the Web server whenever the browser requests a page from that server. Many commercial Internet sites use cookies. While an indication in the cookie file enables the site to label you as a particular user, it does not identify you by name or physical address. We use cookies to better tailor our Website, Web Pages, and products to your interests and needs. We may also use cookies to help speed up your future activities or to improve your user experience. We do not use cookies to retrieve information from your computer that was not voluntarily provided by you. The use of cookies is an industry standard, and you will find them at most websites. Most browsers are initially set to accept cookies. If you would prefer, you can set your browser to refuse cookies or to alert you when cookies are being sent. However, rejecting cookies may prevent you from using certain functions and you may have to enter information to take advantage of services.

    Children. We do not use our Web Pages to solicit data from or market to children under the age of 18. If you are under 18, you may use our Web Pages only with the involvement of a parent or guardian.

    Hyperlinks. Our Web Pages contain hyperlinks or "links" to other sites, and other sites may "link" to our Website or Web Pages. Websites linking to and from our Web Pages may have different privacy practices from the ones described herein. Visitors to our Web Pages should read the privacy statements of these other websites. Our Privacy Notice does not apply to any information collected by any website other than NNIC’s own Web Pages.

    See our Legal Statement https://www.nnins.com/legal-statement for more information about Hyperlinks.

    Your Consent to Our Internet Privacy Notice. By using our Web Pages, you signify your assent to our Privacy Notice related to that usage. If you do not agree with any term in this Privacy Notice, please do not use our Web Pages or submit any nonpublic or personally identifiable information.

    Legal Disclaimers, Terms and Conditions

    For more information about using our Web Pages, please view our Legal Statement. Our Privacy Notice does not supersede the Legal Disclaimers and Terms and Conditions found in the Legal Statement. Any conflict between the two shall be determined in favor of such Legal Disclaimers and Terms and Conditions.

    Thank you for visiting our Website.