What information we collect
How we use and share your information
How we secure and retain your information
Your options and choices
For users of our Site and App, we gather nonpublic personally identifiable information from you and from outside business partners for business purposes. This nonpublic personally identifiable information we collect from you includes your:
Social Security Number
Home and Email Addresses
Driver License Number
Family Member Information
Also, we maintain records that include, but are not limited to, insurance policy coverages, premiums, and payment history. The information we collect from outside business partners may include, but is not limited to, your driving record, claims history, and credit information.
Our App. If you have granted Root permission to do so, we will gather certain telemetric data from your mobile device such as accelerometer, GOS and gyroscope data, and continue to monitor your device activity until you otherwise change your permissions.
Additionally, the App and/or our business partners gather information through Internet activity, which may include, for example, your operating system, mobile device identification and/or advertising identification number, your phone carrier, and interactions with other features within the mobile device while the App is installed.
We store this information in a secured encrypted environment.
Root is the sole owner of the information collected from you on the App and Website.
We collect information that you voluntarily give us via the sign-on process or other direct contact from you.
We will not sell or rent this information to anyone.
We will use your information to respond to you regarding the reason you contacted us.
The App gathers and combines data from the mobile device for the purpose of analysis and risk evaluation as well as for premium/rate calculation. A discount may be applied to the policy premium based on the accumulated driving data in accordance with the rules and rates on file with the insurance department of the state where your vehicle is garaged.
Data may be disclosed to third parties as required by law or regulation.
Data from your mobile device may be deemed discoverable by third parties and used in an accident investigation and/or litigation.
The App may be legally required to provide the data to others and ⁄or their legal counsel, and you should not expect to retain data privacy or confidentiality.
Telemetric data will be consistently utilized when there is a question of accident date, time, and location within the first 30 days of policy inception. In that event, the data will be utilized only to aid in coverage investigations when other information, such as police reports, independent witnesses, 911 tapes, or surveillance tape is absent.
We may provide certain information to insurance regulators to support rate or other insurance-related filings.
We will share your information with business partners as necessary to fulfill your requests. This will be done as required or permitted by law. For example, we may do this to:
Fulfill a transaction you requested or service your insurance policy
Market our products
Handle your claim
Comply with requests from regulatory and law enforcement authorities
Participate in insurance support organizations
Send you push notifications
The persons or organizations with whom we may share your information may include, among others:
Your insurance agent, broker or affiliated companies
Companies that perform services, such as marketing, credit/debit card processing, and communication services on our behalf
Business partners that assist us with tracking driving behavior, scoring, usage
Other financial institutions with whom we have a joint marketing agreement
Other insurance companies that play a role in an insurance transaction with you
Independent claims adjusters
A business or businesses that conduct actuarial or research studies
Those who request information pursuant to a subpoena or court order
Repair shops and recommended claims vendors
Root takes precautions to protect your information. When you submit sensitive information via the Site or App, your information is protected both online and offline.
Wherever we collect nonpublic or public personally identifiable information, that information is encrypted and transmitted to us or by us in a secure way. You can verify this by looking for a closed lock icon at the bottom of your web browser or looking for “https” at the beginning of the address of the web page.
While we use encryption to protect sensitive information transmitted online, we also protect your information offline. Our employees have access to personally identifiable information, but they are prohibited from using or disclosing information for any purpose other than performing their work for Root.
By having an insurance policy with Root, you give us your consent to contact you with communications relating to your policy and our services.
Review or correct your information.You can request to review personally identifiable information you have provided to Root. This does not include information about you that was provided to Root by business partners or your telematics data collected with your permission.
To do this please send an email to [email protected] requesting to review the information you provided us. If you believe that our information is incomplete or inaccurate, you can request that we correct it. Please note we may not be able to provide information relating to investigations, claims, litigation, and other matters. We will be happy to make corrections whenever possible. We will respond to all such requests within a reasonable timeframe.
Opt-out of marketing distribution. If you do not have or no longer have a policy with us, you can contact us at [email protected] and request that we remove you from our marketing distribution lists. Please note that once you request removal, it may take up to 2 weeks to stop receiving email from us.
For California Residents:
Data will only be collected through the App for the purposes of determining annualized mileage if you chose to participate in our “test drive.”
Data collection can be stopped at any time by the user.
Pursuant to California law, we need to disclose to you that we would obtain your consent before sharing medical information for marketing purposes.
For Montana Residents:
Pursuant to Montana law, you may request a record of any disclosures of your medical information during the preceding three years. Please send requests to [email protected]