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Dairyland Privacy Policy


At Dairyland, we value your privacy and are committed to protecting the confidentiality and security of your personal information. Dairyland and its affiliated companies are a part of the Sentry Insurance Group (collectively “Sentry”, “we”, “us”, and “our”). Sentry has adopted this Privacy Policy ("Policy") to describe Sentry's current data collection and disclosure policies and practices.

Depending on your relationship with us—policyholder, insured, claimant, producer (e.g., broker and agent), business partner, vendor, or other person or entity—we 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”).

Protecting your personal information is important to us. Here’s how we handle your personal information.

Information we collect and disclose

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

The types of personal information we collect and share depend on the product or service you have with us. This information can include, but is not limited to:

  • Social Security number

  • Insurance based credit score

  • Transaction and loss history

  • Insurance claim history

  • Medical information

Reasons we share personal information

All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Sentry chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does Dairyland share?

Can you limit this sharing?

For our everyday business purposes— such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus

Yes

No

For our marketing purposes— to offer our products and services to you

Yes

No

For joint marketing with other financial companies

Yes

No

For our affiliates’ everyday business purposes— information about your transactions and experiences

Yes

No

For our affiliates’ everyday business purposes— information about your creditworthiness

No

We do not share

For our affiliates to market to you

No

We do not share

For nonaffiliates to market to you

No

We do not share

Who we are

The Sentry Group of Companies Includes:

  • Sentry Insurance Company

  • Dairyland American Insurance Company

  • Dairyland County Mutual Insurance Company of Texas

  • Dairyland Insurance Company

  • Dairyland National Insurance Company

  • Florists’ Insurance Company

  • Florists’ Insurance Service, Inc.

  • Florists’ Mutual Insurance Company

  • Middlesex Insurance Company

  • Parker Centennial Assurance Company

  • Parker Services, L.L.C.

  • Parker Stevens Agency, L.L.C.

  • Patriot General Insurance Company

  • Peak Property and Casualty Insurance Corp.

  • Point Insurance Agency, LLC

  • Point Insurance Company

  • Sentry Casualty Company

  • Sentry Equity Services, Inc.

  • Sentry Investment Management, L.L.C.

  • Sentry Life Insurance Company

  • Sentry Life Insurance Company of New York

  • Sentry Lloyds of Texas

  • Sentry Lloyds of Texas AIF, LLC

  • Sentry Select Insurance Company

  • Viking Insurance Company of Wisconsin

How we collect and protect personal information

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

We also communicate to associates in writing and provide training on the importance of protecting confidential information.

We collect your personal information, for example, when you:

  • Apply for insurance

  • File an insurance claim

  • Give us your contact information

  • Pay your insurance premiums

  • Use your credit or debit card

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

How we use your information

Sentry offers and administers a variety of insurance and financial products and services. Depending on your relationship with us, we may process your personal information for reasons such as: to fulfill and meet the reasons you provided the information, to provide insurance and/or financial products and services, to provide technological services and support, to secure our data, to protect against fraud, to comply with legal obligations, to conduct general business operations like improving our products and services, and for employment related purposes.

We may also use information we gather to inform you of new products or services available or under consideration, technical issues, customer satisfaction surveys or account updates and related purposes.

Why can’t I limit all sharing?

Federal law gives you the right to limit only:

  • sharing for affiliates’ everyday business purposes—information about your creditworthiness

  • affiliates from using your information to market to you

  • sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

When you limit sharing for an account you hold jointly with someone else, your choices will apply to everyone on your account.

Definitions

Affiliates:

Companies related by common ownership or control. They can be financial and nonfinancial companies. Our affiliates include financial companies such as Sentry Insurance Company, Dairyland Insurance Company, and Parker Stevens Agency. Visit www.sentry.com/footer/legal-disclaimer for a list of affiliated companies.

Nonaffiliates:

Companies not related by common ownership or control. They can be financial and nonfinancial companies. We do not share with nonaffiliated companies so they can market to you.

Joint Marketing:

A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Our joint marketing partners include, but are not limited to: Financial services companies.

Other important information

For all insurance customers:

If we decline an application for coverage or cancel a policy, we'll give the specific reasons for the decision to the Named Insured. If our decision was based on an outside agency's report, we'll provide the agency's name and address.

If one of Sentry's business lines or the entire business, or a substantial portion thereof, is acquired or transferred, whether by merger, consolidation, or purchase of a substantial portion of assets, Sentry may disclose and transfer your personally identifiable information to such third-party acquiring Sentry. In addition, if Sentry becomes the subject of a bankruptcy or insolvency proceeding, whether voluntary or involuntary, Sentry or its trustee in bankruptcy may sell, assign, license or otherwise transfer such information in a transaction approved by the appropriate court.

For insurance customers in AZ, CT, GA, IL, ME, MA, MT, MN, NV, NJ, NM, NC, ND, OH, OR, and VA only:

The term “Information” means information we collect during an insurance transaction. We will not use your medical information for marketing purposes without your consent. We may share your Information with nonaffiliates without your prior authorization as permitted or required by law. We may share your Information with insurance regulatory authorities, law enforcement, and consumer reporting agencies. Information we obtain from a report prepared by an insurance-support organization may be retained by that insurance-support organization and disclosed to others. To request access to, correct, or deletion of your personal information, please use our webform here, or call 877-788-4012.

For insurance customers in Montana:

Pursuant to Montana law, you may request a record of any disclosure of your medical information during the preceding two years. To request a record of your medical information, please use our webform here, or call 877-788-4012.

For insurance customers in Maine:

We will share information about you only as permitted by law. Recipients of your NPI include, for example, Sentry Affiliated companies, professional advisors, reinsurance providers, other insurance companies, financial institutions, credit bureaus, consumer reporting agencies, legal and regulatory authorities, authorized representatives and successors in interest, and marketing firms in connection with our marketing efforts. Sentry will not use or authorize the use of pretext interviews to obtain information in connection with an insurance transaction unless there is a reasonable basis to suspect criminal activity, fraud, material misrepresentation or material nondisclosure.

Nevada Residents:

We are providing you this notice under state law. You may request to be placed on our internal Do Not Call list by sending an email to Privacy@Sentry.com. Please provide your name, address, and telephone number. For more information on this Nevada Law, contact: Bureau of Consumer Protection, Office of Nevada Attorney General, 555 E. Washington St. Suite 3900, Las Vegas, NV 89101; Phone Number: 1-702-486-3132; Email: BCPINFO@ag.state.nv.us; Or contact Sentry Insurance Attn. Privacy, 1800 North Point Drive, Stevens Point, WI 54481, Phone: 877-788-4012, Email: Privacy@Sentry.com

For Insurance customers in Vermont:

We will not disclose information about your creditworthiness to our affiliates and will not disclose your personal information, financial information, credit report, or health information to nonaffiliated third parties to market to you, other than as permitted by Vermont law, unless you authorize us to make those disclosures.

For California residents:

Learn more about your rights under the California Consumer Privacy Act by reviewing the “Privacy addendum for California Residents” section.

Remarketing and Cookie Information

Remarketing Information:

Our website uses Display Advertising. Display Advertising includes features such as remarketing, interest category advertising, similar audience advertising, and other types of interest-based advertising. Third-party vendors, including Google, show DairylandInsurance.com ads on websites across the Internet.

Our website and third-party vendors, including Google, use first-party cookies (such as the Google Analytics cookie) and third-party cookies (such as the Double-click cookie) together to inform, optimize, and serve ads based on past visits to our website. Visitors can opt-out of Google Analytics for Display Advertising and customize Google Display Network ads using the Ads Preferences Manager.

Cookie use information:

At Sentry, we use cookies for the convenience of our users, offering a more enhanced experience when using our website.

A cookie is a small text file that is recorded either temporarily of persistently on your browser or device that enables our website to remember information about you when you visit our website and to assist us in identifying products and services that we offer, that may interest you. First party cookies are set by us and third party cookies are used by us, but are generated from a different domain than that of our website.

Through the use of cookies, Sentry collects non-personal and anonymous information from users to be used in an aggregate fashion. For example, Sentry may collect system related information such as IP address, browser type, and operating system type.

There are several types of cookies:

  • Strictly necessary – needed for website functionality, system administration, security and fraud prevention and to enable website transactions. Blocking these cookies will impair the functionality of the website.

  • Analytics and Performance – Measures the performance of our website with respect to the pages you have visited to help us understand what content is most useful to you and to improve your experience by creating content and enhanced functionality.

  • Advertising – May collect information about your browsing habits, preferences, and interactions with advertisements so that relevant content may be presented to you. We may use vendors to assist in determining what content and advertising will be most relevant to you, specifically, we may use vendors to set a unique cookie ID that is associated with your use of our websites and properties so that relevant content and ads may be rendered to you, even after you leave our website.

  • Social – Set by social media platforms to enable you to visit our social media sites and to share content in your social networks. Social media platforms may track your activities outside of this website pursuant to their privacy notices and policies and tailor content and messages you see on other websites you visit.

Managing your Cookie Preferences:

To disable cookies on our website only: you can click the “Cookie Preferences” link at the bottom of our website and select which cookies you would like to disable.

If you have disabled cookies or have an opt-out preference signal enabled in your browser settings: your preferences are being honored. You do not need to take any additional action. The signal applies to the browser you are using. To disable cookies or enable an opt-out preference signal in your browser, look for Privacy or Security settings in your browser settings. Options may very by browser and may change periodically.

Children

This website and our mobile apps are not intended for children. Sentry does not knowingly or specifically collect personal information from persons under 13 years of age. Sentry does not authorize persons less that 13 years of age to use our website, mobile apps, or Sentry products or services.

Links to or from other Websites

When you access our website through any other websites or linked web pages, your personal information may be disclosed to and become the property of both Sentry and the other website owner. Our website may also contain links to other websites. Sentry is not responsible for the privacy policies or practices or the content of websites not owned by Sentry that may link to or may be linked from this website. We encourage you to review the privacy policies and terms and conditions of such websites so that you understand how those companies collect, use and share your information.

Privacy Policy Changes

Sentry reserves the right to change the Policy at any time. In particular, Sentry may modify the Policy to reflect changes in the way we collect, use or disclose information or to reflect changes in privacy laws, regulations and/or industry standards. We encourage you to review the Policy when accessing the website. Continued use of the website following changes indicates your acceptance of the changes.

Privacy addendum for California Residents

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: e.g., 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): e.g., 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: e.g., we may collect age, race, national origin, gender, citizenship, marital status, medical history; physical, 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: e.g., 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: e.g., 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: e.g., we may collect your precise physical location and/or movement

  • Sensory data (audio, electronic, visual, thermal, olfactory or similar): e.g., 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: e.g. 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: e.g., 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)): e.g., 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: e.g., we may collect and create a profile reflecting your preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes

  • Sensitive personal information:e.g., 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 devices 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 asses 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: e.g., 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 the 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, 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, 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 ensure 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 ensure 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:

  • Turn on opt out preference signals as described in more detail here [link to Opt-Out Preference Signals]

  • Complete an online request form

  • Call us, toll-free, at 877-788-4012

  • Email us at Privacy@Sentry.com

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

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:

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

    • 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;

    • 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;

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

    • 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:

    • You are 13 years old or older;

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

    • You are authorized to make payments using the designated account;

    • You have read and agreed to our Privacy Policy;

    • You have read and agreed to our website Terms and Conditions; and

    • 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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Consumer Requests and Questions

If you have any questions, comments, or concerns about this Privacy Notice or the ways in which Sentry collects and uses your information described in this Privacy Notice, please contact Sentry’s Privacy team at:

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

Additionally, If you feel we have inaccurate information about you, you may request access to types of information that we have on you and that it be corrected, amended, or deleted by making an online request, or by contacting us via one of the above methods.