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Política de privacidad


Bienvenido(a) a DairylandInsurance.com, que es propiedad de, y operado por, Sentry Insurance Company y/o sus compañías afiliadas y subsidiarias (colectivamente, “Sentry”). Sentry respeta la privacidad de cada usuario que visita nuestros sitios web. Sentry ha adoptado esta Política de Privacidad ("Política") para este sitio web con el fin de formalizar las políticas y prácticas actuales de recopilación y divulgación de datos de Sentry para DairylandInsurance.com y todas las páginas web, aplicaciones móviles, información, bases de datos, materiales y servicios relacionados (colectivamente, el “Sitio”). Las coberturas de propiedad y responsabilidad civil de la marca Dairyland® son suscritas por un miembro del Sentry Insurance Group, Stevens Point, WI. Salvo que se especifique lo contrario en la presente política, el término “Sentry” se aplicará a la marca y las compañías suscriptoras. Para obtener una lista completa de las compañías suscriptoras de la marca Dairyland® y las licencias estatales, Haga clic aquí.

Descripción de las prácticas de información

Para tomar decisiones justas sobre los seguros, debemos recolectar información precisa. Su solicitud de seguro y los datos que nos brinde en el Sitio son nuestra principal fuente de información. En algunos casos, podemos recibir información de un cliente que informe a una agencia que indique el valor de su crédito y el historial de crédito, así como también información sobre su registro de conducción e historial de reclamos.   La información contenida en un informe preparado para nosotros por una agencia externa puede ser conservada por dicha agencia y divulgada a terceros.

Nosotros no divulgaremos información sobre usted a otras personas ni organizaciones sin su autorización, excepto en los siguientes casos: (1) a nuestros empleados, agentes o empresas afiliadas siempre y cuando sea necesario para la gestión de su seguro; (2) a organizaciones de apoyo para seguros establecidas para controlar delitos o fraudes de seguros; (3) a organizaciones no afiliadas a nosotros, siempre y cuando sea necesario para completar sus transacciones de seguro; y (4) cuando los estatutos, reglamentaciones, citaciones judiciales, un tribunal o autoridades del cumplimiento de la ley así nos lo exijan.

Si cree que la información que poseemos sobre usted no es precisa, puede solicitar la corrección, enmienda o eliminación de dicha información. Envíe su solicitud por escrito con la debida identificación al domicilio mencionado anteriormente. Le notificaremos sobre cualquier medida tomada o que no podemos cumplir con su solicitud. En dicho caso, usted puede realizar una declaración concisa sobre lo que usted considera que debe obrar como información precisa en nuestros registros. Su declaración será incluida en cualquier divulgación subsiguiente de la información registrada.

Si rechazamos una solicitud de cobertura o cancelamos una póliza, le brindaremos los motivos específicos de tal decisión al asegurado. Si nuestra decisión se basa en el informe de una agencia externa, le brindaremos el nombre y la dirección de dicha agencia.

Recomercialización y uso de terceros

El sitio utiliza la publicidad gráfica. La Publicidad gráfica incluye características tales como la recomercialización, la publicidad por categoría de interés, la publicidad por audiencia similar y otros tipos de publicidad que se basan en los intereses. Los proveedores externos, incluso Google, muestran anuncios de Dairylandinsurance.com en sitios en toda la Internet.

El Sitio y los proveedores externos, incluso Google, utilizan cookies de primera mano (tales como las cookies analíticas de Google) y las cookies de terceros (tales como las cookies del doble clic) en conjunto para informar, optimizar y proporcionar anuncios con base en las visitas anteriores a nuestro sitio web. Los visitantes pueden eliminar la opción de las cookies analíticas de Google para Publicidad gráfica y configurar en forma personalizada los anuncios de la red de publicidad de Google utilizando el Administrador de preferencias de anuncios.

Niños

El Sitio no está diseñado para niños. Sentry no recolecta de manera específica ni deliberada información personal de personas menores de 13 años de edad. En el caso de que Sentry tomara conocimiento de que hemos recolectado información personal de una persona menor de 13 años de edad, eliminaremos de nuestra base de datos dicha información. Sentry no autoriza a personas menores de 13 años de edad a utilizar ni el Sitio ni los productos o servicios de Sentry.

Recolección de información

Sentry puede recolectar de los usuarios información personal que los identifique personalmente (por ejemplo, nombre, dirección, dirección de correo electrónico, número de teléfono, número de Seguro Social, número de licencia de conducir e información bancaria o de tarjeta de crédito para compras o pagos en línea) en determinadas ubicaciones del Sitio. Asimismo, Sentry recolecta de los usuarios información anónima y no personal para ser utilizada de forma global. Por ejemplo, Sentry puede recolectar información relacionada con el sistema, como ser una dirección de IP, tipo de explorador y tipo de sistema operativo con fines administrativos para ayudarnos a diagnosticar problemas con nuestros servidores, monitorear patrones de tráfico, determinar qué servicios se utilizan más frecuentemente y evaluar la utilización del sitio. Sentry puede retener por tiempo indeterminado la información que recolecta sobre usted.

Enlaces a otros sitios

el Sitio puede contener enlaces a otros sitios web. Sentry no se responsabiliza por las políticas o prácticas de privacidad ni por el contenido de sitios web que no sean propiedad de Sentry y que puedan vincularse al Sitio o que puedan estar vinculados desde el Sitio. Le recomendamos que revise las políticas de privacidad y los términos y condiciones de dichos sitios web para comprender cómo estas empresas recolectan, utilizan y distribuyen la información sobre usted.

Divulgación de información

Sentry puede divulgar información personal que lo identifique e información anónima global (información que no está vinculada a ninguna información personal) a empresas y personas contratadas para realizar funciones en nuestro nombre. Dichas empresas y personas pueden acceder a la información personal sobre usted para llevar a cabo sus funciones.

Asimismo, Sentry puede divulgar información personal que lo identifique a organismos reguladores y de crédito según lo considere apropiado con el propósito de brindar servicios. Por ejemplo, Sentry puede divulgar información personal que lo identifique a un organismo regulador o de crédito para obtener informes de crédito o informes automotores.

Si una de las líneas comerciales de Sentry o la totalidad de la compañía, o una parte sustancial de ésta es adquirida o transferida, ya sea por una unión, fusión o compra de una parte sustancial de los activos, Sentry podrá divulgar y transferir la información personal que lo identifica a dicha parte que adquiere Sentry. Además, si Sentry se convirtiera en objeto de una quiebra o procedimiento de insolvencia, ya sea voluntario o involuntario, Sentry o su liquidador podrá vender, ceder, otorgar bajo licencia o de cualquier otra forma transferir dicha información por medio de una transacción aprobada por el tribunal correspondiente. Sentry también podrá divulgar su información personal a terceros cuando creamos, de buena fe y a nuestra entera discreción, que dicha divulgación es razonablemente necesaria para (a) aplicar o cumplir los Términos y Condiciones del Sitio, (b) cumplir con los requisitos legales o reglamentarios, (c) proteger los derechos, bienes o seguridad de Sentry, de nuestros usuarios o de terceros, o (d) evitar un crimen o proteger la seguridad nacional.

Sentry puede divulgar información anónima global a sus clientes, socios comerciales, comerciantes, anunciantes, potenciales anunciantes, inversionistas, potenciales compradores y otros terceros si Sentry considera que dicha divulgación, a su entera discreción, se realiza con una buena justificación o razón empresarial.

Cuando accede al Sitio a través de cualquier sitio web de marca compartida o páginas web vinculadas, su información personal puede ser divulgada y pasar a ser propiedad tanto de Sentry como del copatrocinador pertinente. En dicho caso, el uso de la información personal que lo identifica por parte de la empresa copatrocinadora estará sujeto a la política de privacidad de esa empresa. Sentry no se responsabiliza por la no sujeción a la política del copatrocinador en lo relativo al uso de la información personal que lo identifica. Le exhortamos a que revise las políticas y prácticas de privacidad de cualquier copatrocinador pertinente antes de brindar cualquier información personal.

Uso de la información

La información recolectada se utiliza para operar y mejorar el Sitio y los servicios de Sentry, para crear una experiencia de usuario positiva y para brindar información sobre los distintos productos y servicios que ofrecemos. También podemos utilizar la información que recolectamos para informarle sobre los nuevos productos y servicios que se encuentran disponibles o en consideración, asuntos técnicos, encuestas de satisfacción del cliente o actualizaciones de cuentas y propósitos relacionados.

Si desea comprar una póliza de seguro del Sitio, Sentry le solicitará que proporcione el número de su licencia de conducir y/o número de Seguro Social a fin de verificar su identidad de una manera comercialmente razonable y establecer las primas asociadas con la compra de dicha póliza.

Cómo revisar y corregir la información recolectada

Si tiene preguntas acerca de la información que pudiéramos tener sobre usted, le proporcionaremos los detalles de la naturaleza de la información contenida en nuestros registros. La información contenida en un informe preparado por una agencia de informe sólo será divulgada a través de dicha agencia. Para obtener esta información, comuníquese con: Sentry Insurance, Office of Consumer Affairs, 1800 North Point Drive, Stevens Point, Wisconsin 54481. Posteriormente le enviaremos nuestro formulario de consulta para que usted lo complete y nos lo envíe.

Cookies

Sentry utiliza “cookies” para conveniencia de nuestros usuarios y para mejorar su experiencia al utilizar el sitio. Una cookie es un pequeño archivo de texto que un servidor de páginas web registra, de manera temporal o permanente, para almacenar información en su disco duro y no se utiliza para distribuir virus u otros programas que pueden dañar su computadora. Al utilizar cookies, Sentry puede brindar un servicio más eficiente y más personalizado para cada usuario. Además, las cookies permiten que Sentry pueda monitorear patrones de tráfico, la utilización del Sitio y la información de la sesión, como los artículos que usted añade al carrito de compras, y que ayudan a que el Sitio sea más útil.

¿Por qué requerimos su dirección de correo electrónico?

Su dirección de correo electrónico tiene dos propósitos. Proporciona un nombre de usuario para recuperar información almacenada, junto con una contraseña que usted elige. También es un camino para la comunicación de información importante relacionada con su solicitud y su póliza. Recibirá información nuestra relacionada con sus transacciones en línea. También podría recibir comunicación de mercadeo de parte nuestra. Estos mensajes de correo electrónico contendrán un vínculo para dejar de recibir las comunicaciones de mercadeo, si usted lo eligiera.

Seguridad

Sentry utiliza tecnología de encriptación estándar en la industrial para transferir y recibir datos que se intercambian a través del Sitio. Además, contamos con medidas de seguridad en nuestras instalaciones que nos ayudan a protegernos de la pérdida, el mal uso y la alteración de la información sobre usted que hemos recolectado en el Sitio. A pesar de haber implementado varias medidas que nos ayudan a proteger su información, Sentry no garantiza la seguridad de ninguna información.

Cambios en la política de privacidad

Sentry se reserva el derecho de modificar la Política en cualquier momento. Particularmente, Sentry puede modificar la Política para reflejar cambios en la forma de recolectar, utilizar y divulgar información o para reflejar cambios en las leyes de privacidad, reglamentaciones y/o estándares de la industria. Le solicitamos que revise la política cuando acceda al Sitio. El uso continuo del Sitio después de los cambios indica que usted acepta dichos cambios.

Ley vigente

La Política se regirá de acuerdo con las leyes del Estado de Wisconsin, sin considerar los conflictos de principios legales. La única y exclusiva jurisdicción y competencia para cualquier disputa que surja de la Política será un tribunal estatal o de distrito federal ubicado en Wisconsin.

Online payment terms and conditions

My.DairylandInsurance.com is owned and operated by Sentry Insurance Company and/or its affiliated and subsidiary companies (collectively, “Sentry”). Sentry is offering this online payment service (“payment service”) as a convenience option to you, our valued customer (“you” or “your”). Your use of the payment service is subject to these online payment terms and conditions. In addition to these online payment terms and conditions, you should review our Privacy Policy. Our Privacy Policy includes important information about the type of information we collect about you, how we collect that information, and what we do with that information. Finally, our website Terms and Conditions govern your use of the My.DairylandInsurance.com website and all related pages, information, databases, materials and services, including without limitation the payment service (collectively, the “site”).

Authentication and authorization for payment service usage

  • The payment service incorporates commercially reasonable methods to authenticate the information that you have supplied for making a payment through the payment service. You will not be able to submit a payment until the payment service authenticates you based on the valid Sentry policy number and the zip code associated with that policy number (both of which are reflected on the printed bill you receive from Sentry). You will not be allowed to use the payment service to make payments to Sentry until you have read these online payment terms and conditions and have acknowledged doing so by clicking the acceptance box on the payment page.

  • As the user of the payment service, and upon your acceptance of these online payment terms and conditions, you will have submitted and you authorize Sentry to store your banking account or debit/credit card account (as applicable, your “designated account”) information. You are responsible for any legal, regulatory, or banking penalties and fees that may be assessed for supplying false information for use with the payment service.

  • Once you have authorized Sentry to store your Designated Account, Sentry may provide this Designated Account as a payment option for future payments with Sentry. If you want to cancel your Designated Account as a future option, please use the website ability to delete Designated Accounts or contact a Customer Service Representative at 800-334-0090.

  • The payment service may be used for payment on both consumer and commercial accounts.

  • If the designated account is a business account, then you must be a properly authorized signer on the account.

  • By accepting these online payment terms and conditions, you authorize Sentry, through the payment service, to initiate a charge to your designated account according to your instructions. Each time you use the payment service to make a payment to Sentry, you will be reauthorizing Sentry to charge your designated account according to your instructions.

  • By accepting these online payment terms and conditions, you acknowledge that Sentry will send electronic communications regarding payments to the email address you provided in accordance with the payment service.

  • By accepting these online payment terms and conditions, you acknowledge that Sentry will retain information you provided in connection with the payment service related to you and your designated account in accordance with any applicable laws, rules or regulations, or as Sentry is required to do so to comply with its contractual obligations.

  • By accepting these online payment terms and conditions, you agree that:

    1. No payment, or any portion of a payment, will be considered paid until Sentry actually receives payment;

    2. If your banking account has insufficient funds on the effective date of the withdrawal, Sentry may (but is not obligated to) attempt a second withdrawal a few days later and any charges for the initial non-payment or second payment will be paid by you. You will be responsible for any late fees on any payment that is delayed as a result of insufficient funds;

    3. If your payment is not honored for any reason by your bank or debit/credit card company, you are still responsible for making your payment and you will be responsible for any associated late fees;

    4. It is not necessary for any officer or employee of Sentry to sign a debit to your account; and

    5. Sentry will incur no liability if your designated account has an insufficient limit or insufficient funds available.

  • By accepting these online payment terms and conditions, you represent and warrant that:

    1. You are 13 years old or older;

    2. You are using your actual identity and any information you provide is accurate and complete;

    3. You are authorized to make payments using the designated account;

    4. You have read and agreed to our Privacy Policy;

    5. You have read and agreed to our website Terms and Conditions; and

    6. Your use of the payment service will not violate any local, state, national or international laws or regulations.

Additional terms applicable to automatic payments

For automatic payments, the terms and conditions set forth in this section are in addition to, and not in replacement of, the terms and conditions set forth in the remainder of the online payment terms.

You will not be allowed to enroll for the automatic payment feature of the payment service unless you accept these online payment terms. By accepting these online payment terms and enrolling in the automatic payment feature, you authorize Sentry to store and use your Designated Account to initiate recurring variable payments (debits) for amounts due on the enrolled policy(ies). Automatic payments will be initiated on or about the payment date on a policy or the next business day from the payment account identified by you for automatic payments with respect to such policy. These recurring variable payments will continue until the applicable policy terminates or the automatic payment authorization is cancelled by you or Sentry.

You are responsible for making sure there are sufficient funds in your payment account(s) on the applicable payment date(s) and keeping your payment account information up to date. If any premium payment is not honored by the financial institution or card issuer, coverage on the policy for which payment is to be applied may be cancelled or voided for nonpayment of premium, unless alternative payment arrangements have been made at least one (1) business day before the payment date. If the payment is not honored for any reason by the financial institution or card issuer, then you are responsible for making the payment and any associated late or returned payment fees charged by Sentry. For example, if your credit card number changes or your card expires, then you must update your payment account information on the payment service or provide an alternative means to pay your premium at least one (1) business day before the scheduled payment date. Failure to do so could result in a late fee and cancellation of your policy for nonpayment of premium.

This authorization applies to the policy(ies) you have selected to enroll in automatic payments and any extension, renewal, change or reinstatement of such policy(ies). This authorization will remain in effect until you request termination by calling customer care at 800-334-0090 or by logging into My.DairylandInsurance.com at least two (2) business days before the payment due date.

Sentry online payment service

By providing Sentry with the account information for your designated account, you authorize Sentry to follow the payment instructions we received from you through the payment service (your “payment instructions”). By using the payment service and providing payment instructions, you authorize Sentry to initiate a message to your designated account provider to charge your designated account and send those funds to Sentry for payment on your policy or account. If you are paying a bill received from Sentry and such payment is received after the due date, then, regardless of any cause except for our failure to reasonably process your payment in accordance with your payment instructions, you are responsible for any late charges and interest assessed, the same as if you mailed your payment to Sentry and we received it after the due date. This would be true even if you are unable to access the payment system due to problems with the internet, or our servers being temporarily unavailable. Therefore, we recommend that you use the payment service at least four (4) business days before the actual due date. (Business days are Monday through Friday, except for federal banking holidays). If you make a payment in error or feel that a refund is due, please contact Customer Service at 800-334-0090.

Application security

Our Sentry payment service application employs the following controls and measures:

  • Uses Secure Socket Layer (SSL) 128 bit encryption for all transmissions of consumer data in order to assure privacy.

  • The password can be changed by the end user at first sign on and subsequently. This further protects the end user from tampering by others.

Limitations of liability and exclusions of warranties

To the extent permitted by applicable law, you agree that the payment services are furnished to you on an "as is" and "as available" basis without any implied or expressed warranty of any kind (including without limitations, the implied warranties of merchantability, fitness for a particular purpose, suitability, security, correctness and non-infringement). None of Sentry, its subsidiaries, affiliates, nor any of their respective officers, directors, employees, contractors, agents, and suppliers (Collectively the "Sentry parties") Make any representation or warranty regarding the payment services, and you accordingly agree that the Sentry parties are not responsible for, and disclaim all liability for, the continued availability, reliability, reliability, accuracy, results or performance of the payment services, the performance of the internet, the downloading compatibility of any materials or software with your computer system, the existence of any virus, worm, malicious code or other disabling device from any source, the unauthorized access to or use of your information by a party other than Sentry, any technical failures (including hardware or software failures), incomplete, scrambled, or delayed computer transmissions, and/or technical inaccuracies, or loss or use of data, as well as unauthorized access of user transmissions by third parties arising our of or related to these terms. No one is authorized to make any warranty on Sentry's behalf, and you cannot rely on any other statement of warranty. Rely on any other statement of warranty. You assume responsibility for the accuracy, appropriateness, and legality of any information you supply to Sentry.

You agree that the Sentry parties are not liable for any consequential, special, indirect, exemplary, or punitive damages. In no event shall the Sentry parties' total liability to you for any damages, losses, fees, and expenses (including attorneys' fees), whether in contract, tort, trespass or otherwise exceed the amount (if any) paid by you to Sentry to purchase the particular products or services which form the basis of your claim, the amounts paid by you to Sentry to purchase products or services in the three (3) months preceding any claim where your claim does not relate to products or services purchased, or $100 if you have not paid any amounts to Sentry. If you live in a state that does not allow the waiver of certain warranties, or limitations or damages waivers described in this section, some of these waivers and limitations may not apply to you. You agree to promptly notify Sentry in writing if you believe you have any claim against the Sentry parties, and, in any event, you agree that any claim not brought within one year of your discovery shall be deemed waived and released.

If you provide Sentry with an e-mail address for information delivery or otherwise request a non-secure delivery of information, you agree not to hold Sentry responsible for any misuse or unauthorized viewing of that information.

Alterations and amendments

These online payment terms and conditions and any policies referenced herein or attached hereto are the legal binding agreement between Sentry and you with respect to the payment service. You will be agreeing to the current provisions of these online payment terms and conditions each time a payment is made using the payment service. These online payment terms and conditions may have been altered or amended from the last time you used the payment service so be sure to read it each time before you make a payment to be certain you still agree with its provisions. Your use of the payment service after any changes to these online payment terms and conditions will constitute your agreement to such change(s).

Termination or discontinuation

We reserve the right to terminate the payment service at any time, or to terminate your use of the payment service. If we terminate your use of the payment service, you will need to pay your sentry bill or premium in another manner.

Disputes

If there is a dispute regarding the payment service, you agree to resolve the dispute in accordance with the dispute resolution procedures and governing law as outlined in the website Terms and Conditions

These online payment terms and conditions, and any policies referenced herein or attached hereto are the complete and exclusive statement of the agreement between you and Sentry regarding the payment service. It supersedes any proposal or prior agreement, oral or written, and any other communications between you and Sentry specifically relating to the payment service. If there is a conflict between what a Sentry employee tells you and the terms of this document, these online payment terms and conditions will prevail.

You should print and retain this document for safekeeping and reference at any time during usage of the payment service.

By clicking the acceptance box on the payment page, you acknowledge that you have read and understand these online payment terms and conditions, the website TERMS AND CONDITIONS, and our PRIVACY POLICY and you agree to be bound by their terms, and any future amendments, which may be made by Sentry from time to time.

Property and casualty coverages are underwritten by a member of the Sentry Insurance Group, Stevens Point, Wisconsin. Click here for a listing of companies.

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Document notifications terms and conditions

You are enrolling in electronic document notifications for your insurance policy. By accepting, you agree to receive text and emails from us pertaining to your policies. You will receive information regarding your policies. Message and data rates may apply. Account holder authorizes charges to appear on wireless bill or be deducted from prepaid balance. To opt out of receiving future texts and emails from us, please sign in to your account, select Profile, and edit your document notifications. You can request paper copies of policy documents by calling Sentry Insurance at 800-334-0090.

Electronic document notifications do not change the effective dates listed on any outstanding bill, nonrenewal notice, expiration notice, or cancellation notice that you have received or may receive.

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Consent to electronic delivery of policy documents

Consent

You have the right to receive your billing statements, policy documents, certain legal disclosures, and other items listed below (together, the “Policy Documents”) in paper form from Sentry Insurance Company or its affiliate or subsidiary (collectively referred to as "Sentry Insurance").

By agreeing to this Consent to Electronic Delivery of Policy Documents (“Electronic Delivery Consent”), you voluntarily agree to receive Policy Documents electronically for consumer insurance policies from Sentry Insurance. You understand that by giving us your consent, you may no longer receive Policy Documents in paper form and you accept any consequence of not reviewing the Policy Documents in a timely manner. Your consent will remain in effect until you provide a Withdrawal of Consent notice.

Items Covered by This Electronic Delivery Consent

We will provide electronic Policy Documents, if you provide us with a designated email address and satisfy the system requirements below. The Policy Documents we provide through electronic delivery, include—but are not limited to—your applications and forms, policy declarations, billing statements/cancellation notices, policy endorsements, notices of terms and condition, and other notices, including company notices and notices required by law. However, we reserve the right to provide Policy Documents in paper form at any time at our discretion, even if you have given us consent to provide them electronically, except in Kentucky. In Nevada, we will provide the documents you choose to receive through electronic delivery.

Methods of Providing Policy Documents

In this document, "provide" means to deliver, make available, send, or notify so that we may send the Policy Documents electronically through your Designated Email Address, including those in PDF format or image formats downloaded from our website. It is your responsibility to review Policy Documents promptly. You acknowledge that the Policy Documents will be deemed delivered by Sentry Insurance, if we deliver the policy to the Designated Email Address. Sentry Insurance does not charge fees for the electronic delivery of Policy Documents.

Designated Email Address

You agree to maintain a valid email address ("Designated Email Address") and to continue to have access to the Internet. Further, you confirm that the email address you provide is your email address, and you want us to use it to provide Policy Documents electronically. You agree to maintain each Designated Email Address until you provide us with a new one via your self-service page on My.DairylandInsurance.com after logging in with your username and password, or by calling Customer Service at 800-334-0090.

System Requirements

To access and retain the Policy Documents, you must have a working email address and a computing or communications device with:

  • Working Internet access

  • One of the following web browsers: Internet Explorer 9 or higher, Firefox, Chrome, or Safari

  • A program that can view, save, and print PDF files (such as Adobe® Reader® 4.0 or higher)

Access to Paper Copies

You can request paper copies of Policy Documents by calling Dairyland® Insurance Services at 800-334-0090.

We retain copies of these Policy Documents for the time periods required by law and will provide you with copies of these documents at no cost upon request within those time periods. We do not necessarily retain copies for longer than is required by law. We recommend that you save or print copies of Policy Documents to ensure you have them.

Withdrawal of Consent

You may withdraw your consent for electronic delivery at any time by submitting notice of your request via your self-service page on My.DairylandInsurance.com after logging in with your username and password.

Withdrawing your consent will not affect the enforceability of any Policy Documents you have already received electronically or your obligation to make payments. You understand that it may take up to seven days to process a Withdrawal of Consent request. You may receive electronic notifications in the interim.

Modification of Consent Terms

We reserve the right to modify these terms and conditions at our discretion. We will provide you with notice of such modification(s) electronically in a manner consistent with the section entitled Methods of Providing Policy Documents. If you do not agree to the Consent Statement as modified, you must notify us of your Withdrawal of Consent before its effective date. We will tell you the effective date in the notification. Failure to withdraw your Consent, or take any other required action as stated in the notification before the effective date, will confirm your continued agreement to the Electronic Document Consent as modified. Modifications to these terms will only affect our respective rights and obligations from the effective date of the modification(s) and thereafter or you withdraw your consent.

Security

Email notifications sent by Dairyland® Insurance Services will not contain sensitive or confidential customer information. Due to security risks, you agree that you will not send any sensitive information, such as social security numbers, date of births, or passwords, in an unencrypted email.

Consent and Representations

You have carefully read, fully understand, and agree to be bound by the conditions contained in this Electronic Delivery Consent. You also agree and understand that this choice also applies to any joint account holders and/or policyholders.

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Bill alerts terms and conditions

You are enrolling in bill alert service for your insurance policy. By accepting, you agree to receive text and/or emails from Sentry Insurance Company or its affiliate or subsidiary pertaining to your policies. You will receive information regarding your policies. Message and data rates may apply. Account holder authorizes charges to appear on wireless bill or be deducted from prepaid balance. To opt out of receiving future texts and emails from us, please sign into your account, select Profile, and edit your alert settings.

These alerts will not replace any premium notice or cancellation notice that you have received or may receive.

Please refer to your premium notice or to the cancellation notice for detailed information regarding your account or contact us at 800-334-0090.

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Política de privacidad de California

Effective date: January 1, 2023

This privacy addendum for California residents (the “California Addendum”) supplements the information contained in our Privacy Policy (the “Privacy Policy”) and applies solely to residents of the State of California (“consumers” or “you”).

We adopt this notice to comply with the California Consumer Privacy Act of 2018 as amended by the California Privacy Rights Act of 2020 (collectively the “CCPA”) and, unless defined in this California Addendum or the Privacy Policy, any terms defined in the CCPA have the same meaning when used in this California Addendum. If you are a California resident with disabilities and want to be provided with an accessible version of this California Addendum, please contact us by calling 800-473-6879. You can also print this California Addendum as a separate document.

Sentry reserves the right to amend this California Addendum at any time.

Please note, personal information does not include:

  • Publicly available information from government records

  • De-identified or aggregated consumer information

  • Information excluded from the CCPA's scope, such as:

    • 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)

    • information covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act (FCRA), the Gramm-Leach-Bliley Act (GLBA), or California Financial Information Privacy Act (FIPA)

Information handling practices

Sentry offers and administers a variety of insurance and/or financial products and services, including annuity, life, and property and casualty insurance products and services, and retirement savings plans. Depending on your relationship with us—policyholder, insured, claimant, annuity owner, certificate owner, beneficiary, producer (e.g., broker and agent), business partner, vendor, or other person or entity—Sentry may collect or receive information that is reasonably capable of being associated with, or could reasonably be linked directly or indirectly with a particular consumer or household (“personal information”).

Please see the below list of: (i) the categories of personal information collected in the preceding ‎‎12 months; (ii) the categories of sources from which personal information is collected; (iii) the ‎business or commercial purpose for collecting, selling, or sharing personal information; and (iv) ‎the categories of third parties to whom we disclose personal information.‎

Categories of personal information we collect ‎ ‎

  • Identifiers: For example, we may collect your name, mailing address, email address, business and/or personal address, telephone number, mobile phone number, fax numbers, Social Security number, driver’s license number, contract or policy number, online identifier, Internet Protocol address, or other similar identifiers

  • Personal information categories listed in the California Customer Records Statute Cal. Civ. Code § 1798.80(e): For example, we may collect name, signature, Social Security number, physical characteristics or description (height and weight), address, telephone number, driver's license or state identification card number, insurance policy number, education history, employment history, bank account number, credit card number, debit card number, or any other financial information and health and personal medical information; some personal information included in this category may overlap with other categories

  • Protected classification characteristics under California or federal law: For example, we may collect age, race, national origin, gender, citizenship, marital status, and medical history; physical and mental medical condition or treatment; medical procedures performed; health status, injury, or disability information; personal habits (for example, smoking or consumption of alcohol); prescription information; payment for medical treatment; and other similar health information or military background

  • Commercial information: For example, we may collect employer information, business owner names and percent ownership, identification of insured property (such as addresses, vehicle ID numbers, or vehicle license plate numbers), records of personal property, records of products or services purchased, or other purchasing or consuming histories or tendencies

  • Internet or other similar network activity: For example, we may collect social media interaction information and information related to your browsing history, search history, and other information regarding your interaction with our applications, websites, advertisements, or other platforms or media

  • Geolocation data: For example, we may collect your precise physical location and/or movement

  • Sensory data (audio, electronic, visual, thermal, olfactory, or similar): For example, we may collect audio of your contact with Sentry in the form of a recorded statement or phone call, or visual information on our security cameras

  • Biometric information: For example, we may collect genetic, physiological, behavioral, and biological characteristics, or activity patterns used to extract a template or other identifier or identifying information, such as fingerprints, faceprints, and voiceprints; iris or retina scans; keystroke, gait, or other physical patterns; and sleep, health, or exercise data

  • Professional or employment-related information: For example, we may collect employment applications, resumés, work history, applicant assessment information, or performance evaluation information; driving record; or driving history

  • Non-public education information (per the Family Educational Rights and Privacy Act (20 U.S.C. Section 1232g, 34 C.F.R. Part 99)): For example, education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records

  • Inferences drawn from other personal information: For example, we may collect and create a profile reflecting your preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes

  • Sensitive personal information: For example, personal ‎information that reveals: a Social Security ‎number or other government identifier; ‎account login information or a financial ‎account number with associated credentials; ‎precise geolocation; contents of mail, email, or ‎text messages; or genetic information. Or any ‎of the following: the processing of biometric ‎information to uniquely identify a consumer; ‎collection and analysis of information that ‎concerns a consumer’s health information; ‎collection and analysis of information that ‎concerns a consumer’s sexual orientation or ‎sex life

How we collect your information

Sentry has obtained the categories of personal information listed above from a variety of sources:

  • Directly from you: e.g., we may receive personal information from forms or materials you submit, written documents you submit, or from our communications with you

  • Indirectly from you: e.g., we may get information from you based on your usage of our websites and mobile apps, or through cookies

  • Others obtaining insurance or financial products and services from us: e.g. your employer or one of your business partners obtaining insurance coverages or financial services that relate to you may provide us with your personal information to secure such products or services

  • Government entities: e.g. an insurance department may provide us information in order for us to address a question or complaint

  • Operating systems and platforms: e.g. a device's operating system may provide geolocation data when interacting with our website or mobile app

  • Social networks: e.g. we may get information from social networks as part of claim investigations; additionally, we may get applicant information from social networks

  • Data brokers: e.g. we may get information from companies in order to research previous loss, identify and assess risk, and identify potential fraud

  • From publicly accessible sources: e.g. such as property records, social media websites, and police reports

  • From a third party with your consent or at your direction: e.g. such as your bank or insurance agent or broker

  • Others: e.g., we may get information from service providers, sanctions screening providers, credit reporting agencies, consumer reporting agencies, account verification services, customer due diligence providers, individuals or companies involved with obtaining coverages or processing your claim (e.g., appraisers, adjustors, claims handlers), other insurance companies, or reinsurers

Use of personal information

We may use or disclose the personal information we collected for the purposes described below:

  • To fulfill or meet the reason you provided the information: For example, if you share your name ‎and contact information to request a quote or ask questions about our products or ‎services, we will use that information to respond to your request

  • To provide insurance products and services, such as:

    • To underwrite and issue, maintain, and renew annuity contracts and insurance ‎policies or related insurance products and services, obtain reinsurance, and ‎communicate important information to you throughout this process

    • To process and respond to your requests and prevent transaction fraud

    • To process claims under an annuity contract, life insurance policy, property and ‎casualty insurance policy or related contract, and to communicate with you ‎throughout this process

    • To collect premium payments, collect purchase payments, collect reinsurance ‎proceeds, purchase reinsurance, make annuity payments, process annuity ‎withdrawals and loans, pay annuity death claims, pay insurance claims, pay service ‎providers and other payees, make other business-related payments, and prevent ‎transactional fraud

    • To personalize your website experience and to deliver content and product ‎and ‎service offerings relevant to your interests, including targeted offers and ‎ads ‎through our website, third-party websites, and via ‎electronic mail and/or text ‎message (with your consent, where required by ‎law)

    • To provide you with support and to respond to your inquiries, including to ‎‎investigate and address your concerns, and to monitor and improve ‎‎our responses

    • To contact you regarding your use of any of our products and services ‎and, in ‎our discretion, changes to any ‎of our services and/or any of our ‎services’ ‎policies‎‎

    • To conduct analytics to help us manage our business and improve our products ‎and services, such as to market our products or services, and to conduct actuarial ‎studies, analytics, and statistical modeling ‎

    • To obtain information from others that is necessary to provide insurance products ‎or services (e.g., a consumer report from a consumer reporting agency)

    • To establish, update, and maintain customer and insurance records‎

  • To provide technology services and support, such as:

    • To provide, support, personalize, and develop our website and mobile applications, ‎website personalization, and optimization

    • To debug our data and systems, and to repair errors

    • To ensure our products and services are available via our business continuity and ‎disaster recovery planning

  • To secure our data, information systems, and physical facilities, such as:

    • To maintain the safety, security, and integrity of our website, products and ‎services, databases information, and other technology assets

    • To prevent and detect unauthorized access and modification to systems

  • Fraud detection and preventions, such as:

    • To prevent and detect fraud against you or us, identify our customers and verify ‎their identity, and screen for financial and other sanctions or embargoes

  • To comply with legal obligations, such as:

    • To provide information to regulators or other examiners or third parties for audits, ‎inquiries, or investigations; to comply with professional, legal, and regulatory ‎obligations that apply to our business (such as rules issued by insurance ‎regulators); resolve complaints; or comply with our internal policies or contractual ‎obligations ‎

    • To support a legal or regulatory proceeding to the extent necessary

    • To respond to ‎requests for information pursuant to regulatory requests or other legal ‎proceedings

  • For Sentry’s general internal business operations, such as:

    • To market our products and services, improve our products or services, or make our ‎processes more efficient

    • To create, maintain, customize, service, and secure your account, and communicate ‎important information regarding our policies, terms and conditions, and other ‎administrative information

    • To communicate with agents, advisors, brokers, policyholders, contract owners, ‎certificate owners, and beneficiaries

    • To conduct or facilitate financial, claim, or other audits or quality assurance ‎measures

    • To manage our business and commercial risk

    • To refine our internal operations, improve efficiency, and conduct training

    • To establish and maintain an employment relationship, if applicable

  • For employment-related purposes of Sentry employees and applicants, such as:

    • To recruit employees

    • To administer benefits

    • To pay for and reimburse expenses

    • To conduct performance-related reviews

    • To monitor work-related licenses and credentials

    • To provide our employees with human resources management

    • To maintain your contact information

    • To assist you in case of personal or business emergency

    • To monitor eligibility to work in the U.S.

    • To conduct healthcare-related services

    • To facilitate a better working environment

    • To ensure a safe and efficient working environment

    • To maintain security on Sentry websites and internet-connected assets

    • To comply with applicable law or regulatory requirements

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

We impose contractual obligations on service providers and contractors to ensure they can only use your personal information for appropriate purposes.

Disclosures of personal information to third parties

In the preceding twelve (12) months, Sentry may have disclosed your personal information to the following categories of third parties:

  • Professional advisors: To comply with applicable laws and insurance regulations, to obtain professional advice and services, and in connection with our business operations, Sentry may disclose personal information to accountants, auditors, lawyers, bankers, insurers, and other professional advisors and service providers

  • Other businesses that allow us to provide our products and/or services: In connection with our business operations and to provide products and services, Sentry may disclose information to reinsurance providers, other insurance companies, financial institutions, payment processors, securities firms, credit bureaus, consumer reporting agencies, and other third parties

  • Legal and regulatory authorities: To meet our legal and regulatory obligations, or otherwise as allowed or required by law, Sentry may disclose personal information to third parties, such as federal, state, and local regulatory authorities; tax authorities; law enforcement; judicial bodies; or other persons or entities in response to a legal process (such as a subpoena)

  • Authorized representatives and successors in interest: Sentry may disclose personal information to your agent, representative, attorney-in-fact, or guardian; if an interest in the annuity contract, life insurance policy, or property and casualty insurance policy is transferred or assigned, or otherwise passes to a new owner, assignee, or other successor, Sentry may disclose personal information to that successor to the extent needed to confirm the successor’s interest; after your death, Sentry may disclose personal information to your executor, administrator, or personal representative; your beneficiary; or other legally authorized successor to your interest in the annuity contract, life insurance policy, or property and casualty insurance policy

  • Marketing firms: Sentry may disclose your personal information to a third-party marketing vendor in connection with marketing efforts

The following chart provides more detailed information about the disclosure of each category of personal information to third parties for a business purpose or purposes.

 

Category of personal information

Category of third party recipient

Business purpose disclosed for

Identifiers

Professional advisors

 

Legal and regulatory authorities

 

Authorized representatives and successors in interest

 

Other businesses

 

 

To fulfill/meet the reason you provided the information

 

To provide insurance products and services

 

To provide technology services and support

 

To secure our data, information systems, and physical facilities

 

Fraud detection and prevention

 

To comply with legal obligations

 

For general internal business operations

 

For employment-related purposes of Sentry employees and applicants

Personal information described in subdivision (e) of Section 1798.80

Professional advisors

 

Legal and regulatory authorities

 

Authorized representatives and successors in interest

 

Other businesses

 

To fulfill/meet the reason you provided the information

 

To provide insurance products and services

 

To provide technology services and support

 

To secure our data, information systems, and physical facilities

 

Fraud detection and prevention

 

To comply with legal obligations

 

For general internal business operations

 

For employment-related purposes of Sentry employees and applicants

Protected characteristics or classifications

Professional advisors

 

Legal and regulatory authorities

 

Other businesses

 

To fulfill/meet the reason you provided the information

 

To provide insurance products and services

 

To comply with legal obligations

 

For employment-related purposes of Sentry employees and applicants

Commercial information

Professional advisors

 

Legal and regulatory authorities

 

Authorized representatives and successors in interest

 

Other businesses

 

To fulfill/meet the reason you provided the information

 

To provide insurance products and services

 

To provide technology services and support

 

For our internal business operations

Biometric information

Legal and regulatory authorities

 

Other businesses

 

To provide insurance products and services

 

To secure our data, information systems, and physical facilities

 

Fraud detection and prevention

Sensory information

Legal and regulatory authorities

 

Other businesses

 

To provide insurance products and services

 

Fraud detection and prevention

 

To comply with legal obligations

 

For employment-related purposes of Sentry employees and applicants

Professional or employment-related information

Professional advisors

 

Legal and regulatory authorities

 

Other businesses

 

To fulfill/meet the reason you provided the information

 

To provide insurance products and services

 

For our general internal business operations

 

For employment-related purposes of Sentry employees and applicants

Sensitive personal information

Professional advisors

 

Legal and regulatory authorities

 

Other businesses

 

To fulfill/meet the reason you provided the information

 

To provide insurance products and services

 

To secure our data, information systems, and physical facilities

 

Fraud detection and prevention

 

To comply with legal obligations

 

For our general internal business operations

 

For employment-related purposes of Sentry employees and applicants

Sharing personal information

Sentry may provide your personal information to the categories of third parties below for purposes of cross-context behavioral advertising (targeted advertising). We share this information to provide you with a customized experience on our websites and to tailor advertisements to you.

Category of personal information

Category of third party recipient

Business purpose disclosed for

Identifiers

Marketing firms

For general internal business operations (to market products and services to you)

Internet or other electronic network activity information

Marketing firms

For general internal business operations (to market products and services to you)

Geolocation data

Marketing firms

For general internal business operations (to market products and services to you)

Inferences drawn from personal information

Marketing firms

For general internal business operations (to market products and services to you)

Sales of personal information

Sentry does not sell your personal information and has not sold your personal information in the preceding twelve (12) months.

Personal information and children

We do not do business with children. We do not authorize persons less than 16 years of age to use our website or independently purchase our products or services. While we may collect information of individuals less than 16 years of age for purposes of providing products or services (e.g., claims administration), we do not sell or share the personal information of those who we know are under 16 years of age without affirmative authorization.‎

Sensitive personal information

We do not use or disclose your sensitive personal information for purposes other than the following:

(1) To perform the services or provide the goods reasonably expected by you when you request those goods or services.

(2) To detect security incidents that compromise the availability, authenticity, integrity, and confidentiality of stored or transmitted personal information.

(3) To resist malicious, deceptive, fraudulent, or illegal actions directed at us or you and to prosecute those responsible for those actions.

(4) To ensure the physical safety of individuals.

(5) For short-term, transient use, including, but not limited to, non-personalized advertising shown as part of your current interaction with us; however, for this use your sensitive personal information is not disclosed to another third party and is not used to build a profile about you or otherwise alter your experience outside the current interaction with us.

(6) To perform services on our behalf, such as maintaining or servicing accounts, providing customer service, processing or fulfilling orders and transactions, verifying customer information, processing payments, providing financing, providing analytic services, providing storage, or providing similar services on our behalf.

(7) To verify or maintain the quality or safety of a service or device that is owned, manufactured, manufactured for, or controlled by us, and to improve, upgrade, or enhance the service or device that is owned, manufactured by, manufactured for, or controlled by us.

Your privacy rights

The CCPA provides you with specific rights regarding your personal information. This section describes your CCPA rights and explains how to exercise those rights.

The right to know and access your information

You have the right to request that Sentry disclose certain descriptions and categories of the personal information we collect, use, share, disclose, and sell about you. 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 from which the personal information was collected

  • Our business or commercial purpose for collecting or sharing the personal information

  • The categories of third parties to whom we disclosed the personal information

  • The specific pieces of personal information we collected about you

The right to request deletion

You have the right to request that Sentry delete any of your personal information that we have collected or maintained, subject to certain exceptions. Once we receive and confirm your verifiable consumer request, we will delete (and direct our service providers and contractors to delete) your personal information from our records, unless an exception applies. We may no longer be able to provide certain products or services if you exercise your right to delete.

The right to request correction

You have the right to correct your personal information. Once we receive and confirm your verifiable request, we will use reasonable efforts to update your information, unless an exception applies. We will also ask any service providers or contractors to whom we have disclosed inaccurate information to correct it.

The right to opt out of the sharing of personal information

You have the right to opt out of the sharing of personal ‎information that we have collected from you. You have several options to exercise this right. You may:

If we have actual knowledge that you are less than 13 years old, we will not share your personal information without the consent of a parent or guardian.

The right to opt out of the selling of personal information

We do not sell your personal information.

The right to limit the use of your sensitive personal information

We do not use your sensitive personal information except as allowed by the CCPA.

Exercising your rights

To exercise the rights described above, please submit a verifiable consumer request by calling us toll-free at 877-788-4012, or making an online request. You may make up to two requests in any 12-month period.‎ Making a verifiable consumer request does not require you to create an account with us.

Only you, or a person that you authorize to act on your behalf (an “Authorized Agent”), 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.

When you submit a request, you will need to provide us with:

  • Enough information to identify you (such as your first and last name, email address, physical address, and phone number)

  • A description of what right you want to exercise and the information to which your request relates

We will be unable to fulfill 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. With few exceptions, we will only fulfill a request from your Authorized Agent if:

  • You grant the Authorized Agent written permission to make a request on your behalf

  • You or the Authorized Agent provides us notice of that written permission

  • We are able to verify your identity in connection with that notice and the request

We will only use personal information provided in a verifiable consumer request to verify the requestor’s identity or authority to make the request.

Opt-out preference signals

If you have an opt-out preference signal enabled (such as a “Do Not Track” signal or global privacy control), your preferences are being honored. You do not need to take any additional action. The signal applies to the browser you are using. To enable an opt-out preference signal, look for Privacy or Security settings in your browser. Options may vary by browser and may change periodically.

How long your personal information will be kept

To determine the appropriate retention period for personal data, we consider the amount, nature, and sensitivity of the data; the potential risk of harm from unauthorized use or disclosure of your personal data; the purposes for which the data was collected; and the applicable legal requirements.

Non-discrimination

We will not discriminate against you for exercising any of your CCPA rights.

Contact information

If you have any questions or comments about this California Addendum, the ways in which Sentry collects and uses your information described in this California Addendum or in the Privacy Policy, or your choices and rights regarding such use, please do not hesitate to contact us at:

Phone: 877-788-4012
Email: privacy@sentry.com
Website: sentry.com
Mailing address: 1800 North Point Drive, Stevens Point, WI 54481

Información de contacto

If you have questions regarding the Privacy Policy, please contact us at: privacy@sentry.com