About us - Privacy Statement

Personal information does not include:

• Publicly available information from government records.

• De-identified or aggregated consumer information.

• Information excluded from the CCPA's scope, like:
  - health or medical information covered by the Health Insurance Portability and Accountability Act of 1996 (HIPAA) and the California Confidentiality of   Medical Information Act (CMIA) or clinical trial data;
  - Personal information covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act (FRCA), the Gramm-Leach-Bliley Act (GLBA) or California Financial Information Privacy Act (FIPA), and the Driver's Privacy Protection Act of 1994.

We obtain the categories of personal information listed above from the following categories of sources:

• Directly from our insureds or their agents. For example, from information that our insureds provide to us either verbal or written related to obtaining an insurance policy or filing a claim.

• Indirectly from our insureds or their agents. For example, through information we collect from our clients in the course of providing or maintaining insurance coverage, renewals, investigating a claim.

• Directly and indirectly from activity on our website or claims submission portal (Agency Link). For example, from submissions through our website or claims portal or website usage details collected automatically.

• From third-parties that interact with us in connection with any insurance transaction or claims investigation. For example, from Department of Motor Vehicles, consumer reporting agencies, other insurance agencies, public records database.

Use of Personal Information

We may use or disclose the personal information we collect for one or more of the following business purposes:

• To fulfill or meet the reason for which the information is provided. For example, if you provide us with personal information in order for underwriting to approve your insurance application, we will use that information to prepare the policy quote.

• To process your requests, purchases, transactions, and payments and prevent transactional fraud.

• To provide you with information, products or services that you request from us.

• To investigate or adjust an insurance claim.

• To carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including any insurance contracts and/or policies.

• To improve our website and present its contents to you.

• For testing, research, analysis and product development.

• As necessary or appropriate to protect the rights, property or safety of us, our insured, our agents, or others.

• To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations.

• As described to you when collecting your personal information or as otherwise set forth in the CCPA.

We will not collect additional categories of personal information or use the personal information we collected for materially different, unrelated, or incompatible purposes without providing you notice.

Sharing Personal Information

We engage certain trusted third parties to perform functions and provide services to us.  We may disclose your personal information to a third party for a business purpose.  When we disclose personal information for a business purpose, we require these third parties to maintain the privacy and security of the Personal Information.

In the preceding twelve (12) months, we have disclosed the following categories of personal information for a business purpose:

• Category A : Identifiers.

• Category B : California Customer Records personal information categories.

• Category C : Protected classification characteristics under California or federal law.

• Category D : Records of personal property, products or services purchased,

• obtained, or considered, or other purchasing or consuming

• histories or tendencies.

• Category I : Professional or employment-related information.
  
  

We disclose your personal information for a business purpose to the following categories of third parties:

• Other Insurance agents or producers, insurance carriers, and Third Party Administrators.

• Insurance companies, law enforcement agencies or insurance support organizations to help detect and prevent insurance fraud or misrepresentation.

• Insurance Departments or Commissions in connection with audits or examinations of our company.

• A research or actuarial organization, and other service providers.

• Third parties to whom you or your agents authorize us to disclose your personal information in connection with products or services we provide to you.

Your Rights and Choices

The CCPA provides consumers (California residents) with specific rights regarding their personal information. This section describes your CCPA rights and explains how to exercise those rights.

Access to Specific Information and Data Portability Rights

You have the right to request that we disclose certain information to you about our collection and use of your personal information over the past 12 months. Once we receive and confirm your verifiable consumer request, we will disclose to you:

• The categories of personal information we collected about you.

• The categories of sources for the personal information we collected about you.

• Our business or commercial purpose for collecting or selling that personal information.

• The categories of third parties with whom we share that personal information.

• The specific pieces of personal information we collected about you (also called a data portability request).

• If we sold or disclosed your personal information for a business purpose, two separate lists disclosing:
  - sales, identifying the personal information categories that each category of recipient purchased; and
  - disclosures for a business purpose, identifying the personal information categories that each category of recipient obtained.

Right to Deletion Request

You have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions. Once we receive and confirm your verifiable consumer request, we will delete (and direct our service providers to delete) your personal information from our records, unless one of the following exceptions apply.

We may deny your deletion request if retaining the information is necessary for us or our service providers to:

1. Complete the insurance 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, or otherwise perform our contract with you.

2. Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities.

3. Debug products to identify and repair errors that impair existing intended functionality.

4. Exercise free speech, ensure the right of another consumer to exercise their free speech rights, or exercise another right provided for by law.

5. Comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546 seq.).

6. Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when the information's deletion may likely render impossible or seriously impair the research's achievement, if you previously provided informed consent.

7. Enable solely internal uses that are reasonably aligned with consumer expectations based on your relationship with us.

8. Comply with a legal obligation.

9. Make other internal and lawful uses of that information that are compatible with the context in which you provided it.

Exercising Access, Data Portability, and Deletion Rights

To exercise the access, data portability, and deletion rights described above, please submit a verifiable consumer request to us by either:

• Calling us toll free at 1-888-891-7159

• Emailing us at privacy@dbinsus.com

Only you or a person registered with the California Secretary of State that you authorize to act on your behalf, may make a verifiable consumer request related to your personal information. You may also make a verifiable consumer request on behalf of your minor child.

You may only make a 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 representative.

• 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 or authority 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.

Response Timing and Format

We endeavor to respond to a verifiable consumer request within 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.  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 do 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.

Terms and Conditions for SMS disclosures

DB Insurance does not share your phone numbers with any third parties/affiliates for marketing purposes. If you receive an SMS from us, it is solely for service-related communications.

For more details on our privacy and terms and conditions, please visit www.dbinsus.com/about04.htm or call us at the number below to speak with a customer representative.

Right to Non-Discrimination

We will not discriminate against you for exercising any of your CCPA rights. Unless permitted by the CCPA, we will not:

• 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.

• Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.

Changes to Our Privacy Notice

We reserve the right to amend this privacy notice at our discretion and at any time. When we make changes to this privacy notice, we will notify you by email or through a notice on our website homepage.

Contact Information

If you have any questions or comments about this notice, our California Consumer Privacy Notice, the ways in which we collect and use your personal information, your choices and rights regarding such use, or wish to exercise your rights under California law, please do not hesitate to contact us at:

• DB Insurance Co., Ltd. (U.S. Branch)

• 222 S. Harbor Blvd, Suite 720, Anaheim, CA 92805
  Tel : 714-829-1361 Fax : 714-829-1360