About this Policy
This Policy describes common aspects of the privacy policies of our insurance businesses.
As all our businesses manage their own individual privacy policies, you may also look on their website pages for more information regarding privacy practices. Our businesses are not all subject to the same laws and may have different practices. This Policy only applies to Kemper affiliates. It does not apply to the practices of our licensees or business partners. These might include, for example, vendors or advertisers.
Your Requests and Submissions on the Services
When you use the Services, you may take certain types of action, such as filing a claim, emailing us, logging into your account, using tools or calculators, finding agents/agencies or asking a question about a particular insurance issue. Kemper owns insurance companies but is not itself in the business of insurance. Your request and information will be shared so that the responsible Kemper businesses or their agents may take appropriate action. For instance, the Services may provide online quotes. At this time, all online quotes are provided by our Kemper Direct business unit. Your request for an online quote will thus be automatically directed to that business unit for handling.
Categories of Information Collected by Our Companies
Our companies collect and maintain a wide range of nonpublic personal information about prospective, current and former insureds and others. Here are some examples of the types of information that our insurance businesses may collect:
Contact: We might collect your name, and home and business address. We might also collect your email address and telephone numbers.
Financial: We might collect your credit card number or other payment information and payment history.
Account and policy information: We might collect account details, including personal information about you, another insured on your policy, or a beneficiary when applying for a policy or requesting service.
Insurance/Driving: We might collect information about your insurance claims. We might also collect information about your driving record. We might also collect your social security number and driver’s license number.
Demographic: We might collect information about the cars you own, your marital status, your family members, and about the home you own.
Other: We might collect information about the type of browser you use. We might also look at what elements of the Services you visit. We might also collect information about the links you select on our Services that take you to third party websites.
How Information About You is Collected
Our companies are engaged in a variety of insurance businesses and may collect information about you a variety of different ways. Here are some examples. Check the Privacy Policies of our businesses for additional information.
We may collect information directly from you. For example, we may collect information when you make an insurance request, decide to make a purchase, or submit an email or form to us.
We may collect information from you passively. For example, we might use tracking tools like cookies and web beacons. We might also use pixel tags. To learn more about these tools and how to control them, click here.
We may get information from third parties and other publicly available websites/databases. For example, our businesses might get information about you from a credit reporting agency and other authorized providers of personal information.
How Your Personal Information is Used
Our companies may use your personal information in a variety of different ways.
Here are some examples:
To process your requests. For example, our businesses will use your information to generate a rate quote, process a claim or provide you information regarding an agency or agent.
As described at or before your information was collected.
For marketing purposes. For example, as permitted, our businesses may use your information to tell you about themselves or about products or services they think you will like.
To customize and/or improve your experience with us, including customer or technical support. For example, to tailor your use of the Services to fit your interests.
For our other legitimate business purposes. For example, we may combine information that we get about you from third parties with information we already have.
As otherwise permitted by law, including meeting Kemper contractual obligations and responding to law enforcement or government requests under applicable law, court order, or governmental regulations.
How We Share Information
With vendors and others who provide services for us. For example, our insurance businesses might share your information with insurance agents or insurance brokers. We might also share your information with companies that maintain databases used by the insurance industry.
With a successor to all or part of our business. For example, if part or all of our Kemper companies or business was sold, we might sell the customer list as an asset in the transaction.
For legal reasons or to investigate fraud. Our businesses will disclose information to compliance assessors. These include insurance regulators and auditors. We may also disclose information in response to a court order or subpoena. We will also share information if we believe it is necessary to cooperate with law enforcement. We might also share information in response to a government request. We will also share information as otherwise permitted by law.
As part of our insurance business. For example, our businesses may share information with insurance rating organizations. We might also share information with credit reporting agencies, guaranty funds, and compliance assessors.
With our affiliates as permitted by law. For example, we will not share your personal information with other Kemper companies for marketing purposes except as allowed by applicable law.
We may also share information for other valid business purposes as permitted by law.
Providing information. You can choose not to provide us with some or all requested information. If you do not provide it, though, we may not be able to fulfill your request.
Accessing, reviewing, and changing your personal information. Registered users can review and change certain personal information (e.g., email, password, payment information, contact information) at any time by accessing their account on the Mobile Apps or Web Based Apps.
You can also set your browser up to reject cookies. If you do this, some of the features of our website will not work.
Your web browser may have settings that allow you to transmit a “Do Not Track” signal when you visit various websites or use online services.
Like many websites, our websites are not designed to respond to “Do Not Track” signals received from browsers. To learn more about “Do Not Track” signals, visit www.allaboutdnt.com.
How We Secure Information
We take reasonable steps to protect personal information. These steps vary depending on the type of information we have. These steps include computer equipment and system safeguards and secured files and buildings.
The Internet is public and we cannot promise that your information will remain secure. We thus encourage you to use caution when disclosing information online. Do not share your passwords with other people and select passwords that are secure.
We retain your information for as long as necessary to carry out the purposes described here. We will also store information for as long as we are required to legally. Our information storage practices are determined by many factors and may not be affected by the termination of any customer relationship.
Our Services are operated in the United States. Our businesses only sell insurance in the United States. If you are located outside of the United States, please be aware that information you provide to us may be sent to the United States. By using our Services and giving us your information, you agree to such transfer. You also understand that the U.S. may not provide the same level of protections as the laws of your country.
Our Services might have links to third-party websites. If you click on one of those links, you will be taken to websites we do not control. This Policy does not apply to the privacy or information practices of those websites. We are not responsible for the privacy practices or the content of any other websites that may be linked to from the Services.
We do not authorize persons less than 16 years of age to use our Services or any of our other offerings. Our Services and offerings are not marketed to children under the age of 16. We do not think our Services are appealing to children or otherwise directed to children under the age of 16. We thus do not knowingly collect personally identifiable information directly from children under the age of 16 through our website. If you are a parent of a child under 16, and you believe that your child has directly provided us with information about him or herself through our website or online services or if you believe that we have otherwise received information directly from or about a minor through our website or online services, please contact us.
In the event that we become aware that we have collected personal information directly from a person under 16 years of age through our website or online services, we will delete such information from our database.
To learn more about how to protect your child online, visit the FTC’s website. You may also want to read the helpful information about kids and privacy that the FTC provides.
California residents may click here to review our CCPA Notice.
Changes to this Policy
This Policy is subject to change at our discretion. Changes to this Policy will be posted here and effective as of the date at the top of this Policy. Users of our Services who are not policyholders should refer to the date at the top of this Policy to see if it has been updated. Your continued use of the Services after any update to this Policy will constitute your acceptance of the changes.
If you have questions regarding this Policy or the CCPA Notice, you can contact us by email. If you prefer to write, our address is Kemper Privacy Team, 200 East Randolph Street, Suite 3300, Chicago, IL 60601.