Your privacy is important to us. At Ball Insurance, we are committed to protecting your privacy and earning your trust. We respect your right to keep your personal information confidential and to avoid unwanted solicitations. Please read this to learn how we will handle your personal information.



Types of Information We Collect and Disclose


We collect information about people and property to quote and service insurance policies and provide comparison rates. Some of this is called "Nonpublic Personal Information," which generally means information that is provided by you, obtained by us, or that results from your transactions with us. It does not include information available to the general public. We collect this information from the following sources (examples under each source are not necessarily a complete list):

  • Application Information: This is information we receive from you on applications or other forms, by phone, and online. It includes your name, address, and telephone number, driver’s license number, social security number, date of birth, length of employment, gender, marital status, prior insurance information, home ownership status, length of residency, vehicle descriptions, miles driven and vehicle use, other drivers, and driving history. Application Information may be disclosed as described below.

  • Transaction Information: This is information about your transactions with us, our affiliates, or others. It includes your insurance coverage selections and premiums, payment and claims history, and information necessary for billing and payment. It may also include additional information obtained while adjusting, investigating, and settling insurance claims. Transaction Information may be disclosed as described below.

  • Consumer Report Information: This is information we receive from a consumer reporting agency. It is used to confirm or supplement Application Information so that we may underwrite your insurance and provide an accurate premium quote for one of our insurance underwriting companies. It includes motor vehicle reports, claims history reports, and credit report information. We will disclose Consumer Report Information only as we deem necessary to quote or service your insurance policy, and as permitted or required by law.

  • Web Site Information: This is information we receive from your computer when you visit our Web site that is unique to e-commerce transactions. It includes the Web site you visited before ours, your Internet e-mail address and operating system, and statistical information on Web traffic and usage patterns. We also store "cookies" on your computer to save information entered during the insurance quoting and comparative rate process, and collect technical data, such as your Internet protocol (IP) address, operating system, and session ID. We will not disclose your e-mail address to nonaffiliated third parties for their marketing purposes. We might use external vendors for processing our e-mail messages, but they will not be allowed to keep your e-mail address for their future use. We will not disclose other personally identifiable Web Site Information without your consent. Additional information concerning our Web site privacy practices appears below.


  • Parties to Whom We Disclose Information


    Nonpublic Personal Information about you may be disclosed to others as permitted by law. Generally, this includes disclosures to third parties that we feel are necessary to effect, administer or enforce your transaction with us, or in connection with servicing your insurance policy. These parties may include our group of affiliated insurance underwriting companies, claims representatives, independent contractors, insurance support organizations, insurance agents and brokers, and courts and government agencies. We may also disclose this information to the following types of third parties (these are typically companies that have referred you to us or that have a relationship with you), but you will have the opportunity to opt out of such disclosures before they are made:

  • Nonaffiliated financial service providers, such as banks, credit card companies, and other insurance companies; and
  • Non-financial companies, such as motor vehicle manufacturers, dealers, and parts suppliers, and clubs and associations of which you may be a member.
  • We may also disclose Application Information and Transaction Information about you to companies that perform marketing services on our behalf or to financial institutions with whom we have joint marketing agreements.



    Confidentiality & Security


    We restrict access to Nonpublic Personal Information about you to those employees and other parties who we feel must use that information to provide products or services to you. Their right to further disclose and use the information is limited by our employee code of conduct, applicable law, and nondisclosure agreements where appropriate. We also maintain physical, electronic, and procedural safeguards in compliance with applicable laws and regulations to guard your Nonpublic Personal Information.



    Parties to Whom This Privacy Policy Applies


    This Privacy Policy applies to current and former customers of Ball Insurance.

    This replaces all previous privacy policies that we have made available to you as of the date noted above for products and services available through Ball Insurance and ballins.com. For different products, you may receive other privacy policies from us. These other policies will apply only to the products in connection with which they are provided.



    Additional Information for Web Site Visitors


    Progressive uses comprehensive measures on our Web site to protect your privacy and secure your personal information. When we collect information from visitors to ballins.com, we use it to provide service to you and better understand what our customers want so that we can continue to enhance your online experience. Visitors to Ball Insurance's Web site browse anonymously, and are not required to provide any personal information in order to access our Web site. We do receive from your computer Web Site Information to help us evaluate what our consumers want, provide adequate capacity for our visitors, and display information in the best manner.

    Web Site Information helps us understand who you are and what information you looked for when you visited our site, so that the next time you visit us.

    When you quote or buy insurance on our website, we collect your e-mail address so that we can send you an e-mail confirming your rate and policy information. At your request, we will also use this address to provide you reminders about our products and services.



    Web Site Links


    Our Web site contains links to third party sites that are not maintained by us. These links are provided solely for your convenience. We make no warranties or representations about the contents of or any products or services offered by third-party sites. We recommend that you read the privacy and security policies of these sites.



    Glossary


    Cookie: A small text file of information saved in the browser when you access certain Web pages. Cookies hold information that identifies you to the Web site (and only that Web site) that gave you the cookie.

    Digital certificate: A small file that can be transferred to your computer over the Internet and used for authentication. Once installed, a digital certificate can be automatically detected and used as needed.

    Internet protocol (IP) address: The numbers that are translated into a domain name (e.g., progressive.com). The address is a string of four numbers separated by periods (such as 111.22.3.244) used to represent a computer or other device on the Internet.

    Operating system: The program responsible for overseeing the basic hardware resources of a computer such as disk drives, memory, keyboard, screen, and CPU. UNIX, DOS, Windows, and Macintosh System 7 are examples of operating systems.

    Secure server: A computer and software set up to provide privacy, integrity, and authentication in communications such as a connection on the Internet between a Web browser and a Web server. (See SSL).

    Security protocol: A specification that describes how computers will talk securely to each other on a computer network.

    Secure Sockets Layer (SSL): A protocol that delivers server authentication, data encryption, and message integrity. With SSL implemented, Internet communications are transmitted in a secure, encrypted manner. The information you send is safe, so a third party cannot read or access the information while in transit.

    Session ID: The code used to keep track of a person (using a browser) as they interact with a server. Since the server may interact with many people simultaneously, a session ID is needed to keep track of each person individually.