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 non-public personally identifiable information from you and from outside business partners for business purposes. This nonpublic personally identifiable information we collect from you includes your:
Home and email address
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. Outside of California, if you have granted Root permission to do so, we will gather certain telemetric data, such as, accelerometer, GPS and gyroscope data, off your mobile device 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 an 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 may use, share, disseminate, or sell aggregated, anonymized data of consumers. This data cannot be reasonably traceable to any individual.
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 state insurance department 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.
Telematics 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 recordings, or surveillance video 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 would 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, and 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 non-public 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 email firstname.lastname@example.org 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@example.com 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 Montana residents:
Pursuant to Montana law, you may request a record of any disclosures of your medical information during the preceding 3 years. Please send requests to firstname.lastname@example.org.
For California residents:
Root does not collect any telematics data, location date, driving behavior or credit information for California consumers.
You have the right to know what information is collected, disclosed, or shared about you. You also have the right to have this information deleted when permitted by law, and to opt out of the sharing of any information. Here we explain how this works.
Root collects personal information about you in its regular course of business. In addition to the information above, specific pieces of personal information collected, disclosed or shared is dependent on your relationship with us. In the past 12 months, Root has collected the following information for the following purposes:
When you download the Root app or go on our Website, we collect your mobile device information, your IP address, pixel information, cookies, analytical tools, OS type and version, timestamp, hardware type, language, time-zone setting, and installed fonts.
If you create a profile with us, we collect name, date of birth, driver’s license data, your phone number, marital status, homeowner status, physical address, email address, and Google/Facebook account identifiers. We will also collect this information about household drivers if added to a policy.
If you create an account with us, we also collect vehicle information such as VIN, year/make/model, your annual mileage, and vehicle usage information. We also partner with third parties to collect driving violation information, claims, accident histories to offer you a quote for insurance.
If you purchase a policy with us, we may also collect additional insured/lienholder information and payment information from you.
If you have a claim with us, we collect claims related information including, but not limited to, vehicle information, the involved parties, and medical information. Please note, we need to disclose to you that we would obtain your consent before sharing medical information for marketing purposes.
We may collect information you provide to us through surveys, mobile permissions, and/or customer support interactions.
Now that you are informed of the information we collect, disclose or share about you, you may have the right to delete this information. Certain information cannot be deleted because of legal and business reasons. We will inform you if this is the case after receiving a confirmation of your request to delete. Click here or contact us at email@example.com to request deletion of your information.
You also have the right to opt out of the practice of sharing your information with third parties for business or marketing purposes. Click here or you can contact us at firstname.lastname@example.org to request to opt-out.
If you are unable to make these requests yourself, you can appoint an authorized agent to do so by providing the authorized agent written permission. The agent can then contact us at email@example.com.
If you contact us via email, you will be required to provide verification with the following information:
First and last name
One of the following: policy number, full mailing address, or date of birth.
Any requests to delete information or opt out of sharing will not result in any discrimination of any kind.