Privacy Policy
Last Update: August 2020
Our Commitment to Privacy
California FAIR Plan Association (“CFP”, “us”, “we”, or “our”) operates the cfpnet.com website (“Website”), and provides various services to clients, aimed at ensuring the availability of basic property insurance to people who own insurable property in the State of California and who have been unable to obtain insurance in the voluntary insurance market. CFP wants you to know, and assures you, that CFP does not sell your information to anyone.
This Privacy Policy informs you about how we collect, use, protect, and disclose your information when you apply for insurance coverage with CFP, visit and otherwise use the Website, or use any of the other services that we may make available to you (collectively, “Services”). This Privacy Policy also informs you about certain choices and rights you have associated with that data, and how you can manage the privacy of your Personal Information. Please note that this Privacy Policy does not govern the practices of third parties, including any partners, third party service or marketing providers, or other associated firms, even when those services are branded as, or provided on behalf of, CFP.
CFP’s Website might include links to other sites that are not operated by us. Please note that this Privacy Policy does not extend to or apply to those third party websites. This Privacy Policy does not govern the practices of third parties, including our partners, third-party services providers, and third parties with which we have a business relationship, even if those services are branded as, or provided on behalf of CFP. CFP is not responsible for and does not control those sites. As such, we encourage you to visit the privacy notices governing those sites.
CFP reserves the right to modify this Privacy Policy at any time in our sole discretion without notice.
Information We Collect CFP may collect certain Personal Information about you in order to provide and improve our Services to you. “Personal Information” means data about a particular individual or household that identifies, relates to, describes, could be reasonably linked with, or could be used to identify that person or household (or from those and other information either in our possession or likely to come into our possession). It may also include other information that may be associated with your Personal Information, such as Generic Information (defined below), location, preferences or interests, if that information can be used to identify you, your household, or your device.
Non-identifying information Visitors may browse the Website to access information about CFP products and services, without telling us who you are or revealing any personal information. The only data we collect and store as a result of Visitor use during normal website usage is typical web server log data. Examples of this type of data are the name of your Internet service provider, the site that referred you to us, any pages you request, and the time and date of those requests. We use this information to generate statistics and measure site activity to benefit Website users. This same information may be shared with third parties in order to provide these services or to analyze, store, or aggregate the information. It may also be shared with other third parties that work with us to improve the services of CFP or the Website. Any statistical information derived from the information submitted via the CFP Website that may be shared with third parties is always anonymized and is not associated with any individual in a personally identifiable manner.
Personal Information CFP may collect the following Personal Information about you when you apply for and/or use our services: your name, mailing address, phone number, email address, age, loan number, prior insurance carriers, prior insurance claims, reason for termination, prior denials of coverage, prior existing property damage, and prior unrepaired damage. Social Security numbers will be collected for insurance brokers only. Additionally, driver’s license numbers may be collected for the purpose of verifying claimant identification.
Generic Information This includes information that does not, by itself, identify you. Generic information may include Usage Data and other aggregate usage metrics such as total number of Website visitors, pages viewed, and usage patterns within the Website, etc. This may also include information about your device, your browser or operating system information, or other information that relates to your interaction with our Website. We may automatically gather some Generic Information from our members, customers, and Website visitors. At times, Generic Information and Usage Data may qualify as Personal Information, either by itself or when combined with other information that may identify you. In those situations, such information will be treated like Personal Information. Cookies and Tracking Data The Website may use third party products and services to gather anonymous traffic statistics using cookies and web beacons. A cookie is a small piece of information stored on your device that helps websites and multiple servers recognize you. CFP and its third party service providers may also use other tracking technologies such as pixels, or transparent GIF files, for web site management and user tracking. Some of the cookies we use are “strictly necessary” for the functionality of our Website. Others improve the functionality of our Website but are not strictly necessary. These cookies help improve the performance of our Website (such as by gathering analytic data). Examples of cookies we use include: Your Cookie Choices You can decide how you want to use or allow cookies to be used on your devices. You can set your browser or modify your device settings to block or refuse all cookies, to indicate when a cookie is being sent, or otherwise control which cookies your browser or mobile device accepts via your browser or mobile device settings. Additionally, you can choose to modify your settings and delete those cookies that are otherwise stored on your device. Please consult the instructions provided by your browser or mobile device manufacturer to find out how you can control the placement of and/or remove cookies or other technologies. Please note, however, that limiting or disabling the use of cookies and other technologies may impact or adversely affect your ability to perform certain transactions on, use certain functions of, and access certain content on our Website. How We Collect Your Information CFP collects your information in different ways: there is information that you give us, information we obtain through your use of our Services, and information we obtain from third parties, such as insurance brokers. Information You Provide Us We collect information that you share with us. At times, in order to access our Services, we may require you to provide certain information that may include Personal Information. For instance, we may seek your name, address, date of birth and phone number when you submit an application to us. If you are an insurance broker, we may require you to upload your Social Security number as a part of the agency licensing process. Further, we may collect a claimant’s driver’s license number or other state identification number for the purpose of verifying that claimant’s identity. Additionally, we will collect any information that you choose to provide to us. For instance, when you complete the 24/7 Claims Report on our Website or email us with a question, we will collect and retain the information you choose to give us – including any Personal Information – to fulfill your request. How We Use Your Information CFP collects, processes, and uses your information to provide the Services that CFP makes available to you. We therefore collect your information for a variety of reasons, including: How We Disclose or Share Your Information Third parties like Google Analytics may collect aggregate data such as statistical information about how users interact with our Website and other Services. We use this information to help us better improve our Website and Services. Data Retention CFP will retain your Personal Information as is necessary for the purposes set forth in this Privacy Policy. Additionally, we will retain your Personal Information to the extent that it becomes necessary to comply with any legal obligation, resolve dispute, and enforce our legal agreements and policies. Transfer of Data CFP’s Services are offered and available to people who live in the State of California. However, due to our relationships with insurance providers, your information, including Personal Information, may be transferred to or maintained on computers outside of your state, country, or other governmental jurisdiction where the data protection laws may differ from those of your jurisdiction.While CFP’s Website is publicly available for user’s informational purposes, CFP does not offer any other Services to individuals outside of the State of California. If you are located outside of the United States and choose to provide information to us, please note that we transfer the data, including Personal Information, to the United States and process it there. If you are located in the European Union, please note that U.S. data protection laws are not as stringent as those in the European Union. Your submission of such information represents your agreement to that transfer. Security of Data The security of your data is very important to us. However, no method of transmission over the Internet or method of electronic storage is 100% secure. While we strive to use an implement commercially acceptable means to protect your Personal Information from loss, misuse, and unauthorized access, alteration, disclosure, and destruction, we cannot guarantee its absolute security. By using or Website and Services, you acknowledge that there are data security and privacy limitations inherent to the use of the Internet, and that the security, integrity, and privacy of any and all information exchanged between you and CFP, or between you and other related entities, cannot be guaranteed. We cannot ensure or warrant the security of any information you transmit to us or that we store, and you do so at your own risk. Our Policy on ''Do Not Track'' under the California Online Protection Act (''CalOOPA'') We do not support Do Not Track (“DNT”). Do Not Track is a preference you can set in your web browser to inform websites that you do not want to be tracked. You can enable or disable Do Not Track by visiting the Preferences or Settings page of your web browser. We do not track consumers’ online activities over time and across third-party websites or online services. Third parties may collect data that relates to you. We cannot control third parties’ responses to do-not-track signals or other such mechanisms. Third parties’ use of data relating to you and responsiveness to do-not-track signals is governed by their respective privacy policies. Your California Privacy Rights California residents are afforded certain rights related to their information under state law. CFP aims to take reasonable steps to allow California residents to access, delete or limit the use of their Personal Information, where applicable, and exercise other rights available under applicable law. Where applicable under relevant law, California residents may be entitled to the following: As noted elsewhere, however, CFP does not sell individuals’ Personal Information. Please contact us at the information in “Contact Us” Section below in relation to exercising these rights. Note that we may ask you to verify your identity before responding to such requests. Direct Marketing Disclosures If you are a California resident, you have the right to request information from us regarding the manner in which we share certain categories of Personal Information with third parties for their direct marketing purposes, in addition to the rights set forth above. Under California law, you have the right to send us a request at the designated address listed below to receive the following information: To make such a request, please provide sufficient information for us to determine if this applies to you, and attest to the fact that you are a California resident. Please also provide a current California address for our response. You may make this request in writing to us at the below address. Any such request must include “California Privacy Rights Request” in the first line of the description, and include your name, street address, city, state and ZIP code. Please note that we are only required to respond to one request per person each year, and we are not required to respond to requests made by means other than through the address provided for this purpose below. Responsive information may be provided in a standard format that is not specific to you. Please note that CFP does not share Personal Information with third parties for their direct marketing purposes. Children's Privacy All of our Services, including our Website, are intended for adult audiences, and are not meant to address anyone under the age of 18 (“Children”). As such, Children under 18 may not use our Website. If you are under 18, do not attempt to register for or use any of our Services, including our Website, and do not provide us any Personal Information about yourself. We do not knowingly collect Personal Information from anyone under the age of 18. If you are a parent or guardian and you are aware that your child has violated this Privacy Policy and provided us with Personal Information, please contact us. If we become aware that we have collected Personal Information from children without verification of parental consent, we will take steps to remove that information from our servers. Updates to this Privacy Policy Periodically, CFP may modify or alter this Privacy Policy. CFP will notify all visitors to its Website of any substantive changes to its Privacy Policy by posting those changes and the modification date above. We encourage you to check back to this page for any updates in the future. Submitting a Verifiable Request As mentioned above, California residents have certain rights to access, delete, or otherwise control the use, collection, and/or disclosure of their information. CFP will respond to an individual’s “verifiable request” to exercise his or her rights under such laws – that is, where CFP has received a request purporting to be from a particular individual, and CFP has been able to verify the individual’s identity. The need to verify an individual’s identity is critical to protecting your information, and ensuring that your information is not shared with anyone pretending to be you or someone who is not authorized to act as your agent on your behalf. You may submit a verifiable request via our email address, mailing address, or toll-free number, listed in the “Contact Us” section below, or as otherwise provided on our Website. CFP will ask you to provide information about yourself so that we can verify your identity as part of this process. This information may include your name, your address, your account information, and any other information deemed necessary by CFP to reasonably verify your identity, to ensure that your information is not shared with anyone impersonating you. We may ask for additional information if we have difficulty confirming your identity. We will not share your information or honor other requests in those situations in which we are unable to confirm a request for your information is a “verifiable request.” Under California law a consumer can appoint an “authorized agent” to make certain verifiable requests upon their behalf, such as the right to know what information we collect about the consumer or to request deletion of the consumer’s information. Because the security and privacy of your information is paramount, we will ask that you identify and provide permission in writing for such persons to act as your authorized agent and exercise your applicable rights under California law in such situations. This may require us to contact you directly and alert you that an individual has claimed to be your agent and is attempting to access or delete your information. We will also independently verify your identity to ensure that an unauthorized person is not attempting to impersonate you and exercise your rights without authorization. We will not share your information or honor any other requests in those situations where you cannot or do not grant permission in writing for an identified authorized agent to act on your behalf, or where we cannot independently verify your identity. Contact Us If you have any questions about this privacy statement, the practices of this site or your dealings with this site, please contact CFP: Cannot Access this Privacy Policy Individuals with disabilities who are unable to usefully access our privacy policy online may contact us at the above-listed contact information to inquire how they can obtain a copy of our policy in another, more easily readable format.