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Privacy Policy

Last updated on April 1, 2020

This Privacy Policy discloses the Root Insurance Company (“Root,” “us,” “we,” or “our”) privacy practices for www.joinroot.com (“Website,” “Site”) and the Root mobile application (the “App”— see Root App End User License Agreement). This Privacy Policy applies to information collected by the Site and the App, and is intended to generally notify you of the following:• What information we collect 

  • How we use and share your information

  • How we secure and retain your information

  • Your options and choices

 By using the Site or App you agree to this Privacy Policy and the collection and use of information contemplated its terms. This is Root’s entire and exclusive Privacy Policy, and it supersedes any earlier version. This Privacy Policy applies to information we collect from all sources. If you feel that we are not abiding by this privacy policy, you should contact us immediately at legal@joinroot.com.

What information we collect

What information we collect 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:

  • Name

  • Phone number

  • Home and email addresses

  • Driver license number

  • Marital status

  • 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. 

Also note that because the Application incorporates Google Maps/Google Earth, you are also bound by the Google Maps/Google Earth Additional Terms of Service and Google Privacy Policy

Our website. For users of our Website, we may use common tracking technologies like browser cookies, “Local Shared Objects” (such as “Flash” cookies), analytical tools, device IDs, or other technologies. We also collect certain technical information about the device you use to access our site or services, such as user-agent, timestamp, hardware type, language and time-zone settings, IP address, OS type and version, and installed fonts. We do not support the necessary technology to respond to web browser “do not track” signals or other similar mechanisms. If you click on links to third-party sites, you will be taken to websites we do not control. This notice does not apply to the privacy practices of those websites. Read the privacy policy of other websites carefully. We are not responsible for third-party sites. 

How we use and share your information

  • 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 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.

  • Unless you ask us not to, we may contact you via email, regular mail, and via push notification in the App with promotions in the future to tell you about specials, new products or services, or changes to this Privacy Policy.

  • 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 and claims investigations. 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 collected by the app may be disclosed to third parties as required by law or regulation.

  • Data collected by the app from your mobile device may be deemed discoverable by third parties and used in an accident investigation, claims, 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.

  • At our discretion, telematics can be utilized in the maintenance of your policy, investigation of a claim, or for any other lawful purposes.

  • 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 

    • Prevent fraud 

    • 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

How we secure and retain your information

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.

Your options and choices

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 help@joinroot.com 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 help@joinroot.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 help@joinroot.com 

Additional Information 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 and 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 and claims and 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, 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 privacy@joinroot.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 privacy@joinroot.com 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 privacy@joinroot.com

If you contact us via email, you will be required to provide verification with the following information: 

  • First and last name 

  • Email address 

  • 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.

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Root Insurance Company

80 E. Rich Street

Suite 500

Columbus, OH 43215

Copyright ROOT 2020. ROOT is a registered servicemark of Root Insurance Company, Columbus, OH. Disclaimer for quotes: We reserve the right to refuse to quote any individual a premium rate for the insurance advertised herein. Disclaimer for coverage: Coverage is available in the event of a covered loss. Exclusions may apply. Not available in all states. Disclaimer for savings: Based on savings reported by actual customers who purchased a new Root policy between September 2018 - August 2019; changes in coverage levels not evaluated. For California residents: Telematics is not used and resulting represented savings are not applicable. Referral program not applicable. Roadside Assistance purchased as separate coverage. Visit joinroot.com/califaq for more information.