Personal Information We Collect
We collect information that identifies, describes, or is reasonably capable of being associated with you (“Personal Information”).
As described below, we collect Personal Information directly from you, automatically through your use of the Sites and Services, and from publicly available and third-party sources. To the extent permitted by applicable law, we may combine the information we collect from publicly available or third-party sources. The Personal Information we collect varies based on your relationship with Howic and Hill Insurance Group.
Personal Information We Collect Directly From You
In order to access certain Services, we may collect Personal Information directly from you, including throughout the quoting, application, or claims handling processes. The Personal Information you provide directly to us may include:
Identifiers and Contact Information
We may collect personal identifiers and contact information such as your name, address, email address, and phone number.
Government-Issued Identifiers
We also may collect information such as your driver’s license number, social insurance number, or other government-issued identifiers.
Account Details
If you register an account with us on hchigroup.com, we collect information such as your email, phone number, user ID, and password used to log in.
Policy or Claims Information
This includes policy information, claim information, materials submitted as part of your claim, roadside assistance data, or other information you choose to provide.
Payment Information
If you pay a bill, we may collect information necessary to process your payment such as bank account details, billing address, and related financial information.
Commercial Information
We may collect information about products, services, or coverage you purchase.
Message Contents
We may collect messages, email contents, or any other information you provide when interacting with our customer service or agents.
Audio or Similar Information
If you speak with our customer service team, we may record calls for quality assurance and training purposes.
Preferences
We collect information about your service usage, communication preferences, wish lists, and other selected settings.
Other Information
We collect information when you complete forms, surveys, reviews, or provide additional details voluntarily.
Personal Information We Collect Automatically
When you visit hchigroup.com or use our Services, we may automatically collect:
Device Identifiers
IP address, device ID, device type, browser type, language, and location data.
Network Activity
Pages viewed, clicks, browsing history, referring URLs, and interaction behavior. We may use cookies, analytics tools, and session tracking technologies.
Geolocation
Approximate location derived from your device or IP address.
Personal Information We Collect from Other Sources
We may collect information from affiliates, agents, brokers, and service providers acting on behalf of Howic and Hill Insurance Group.
We may also obtain data from:
- Insurance industry databases
- Government or regulatory agencies
- Consumer reporting agencies
- Health care providers or employers (with authorization)
How We Use Personal Information
We use your Personal Information to:
Operate Our Business
Manage accounts, maintain systems, and support daily operations.
Provide Products and Services
Issue, renew, modify, and service insurance policies and claims.
Communicate With You
Respond to inquiries and provide updates or required documents.
Improve Services
Enhance user experience on hchigroup.com, improve offerings, and personalize services.
Analytics & Modeling
Support underwriting, pricing, claims, and risk analysis.
Marketing
Send promotional communications and personalized offers.
Fraud Prevention & Security
Detect and prevent fraud, abuse, and unauthorized activity.
Legal Compliance
Comply with laws, regulations, and legal processes.
How We May Disclose Personal Information
We may share Personal Information with:
Affiliates and Partners
Including insurers, reinsurers, brokers, adjusters, and service partners within Howic and Hill Insurance Group.
Service Providers
Including payment processors, IT providers, analytics, legal, and customer service vendors.
Insurance Industry Bodies
For reporting and regulatory compliance purposes.
Marketing Partners
To provide relevant offers and communications.
Business Transfers
Personal Information may be transferred during mergers, acquisitions, restructuring, or sale of assets involving Howic and Hill Insurance Group.
Cookies and Tracking Technologies
We use cookies, pixels, and analytics tools on hchigroup.com to:
- Improve site performance
- Analyze usage
- Deliver relevant advertising
- Enhance user experience
Your Choices
You may:
- Disable cookies in your browser
- Opt out of marketing emails
- Update account information
- Adjust advertising preferences
Security
We implement safeguards to protect your Personal Information, though no system is 100% secure.
Retention
We retain Personal Information only as long as necessary for legal, operational, and business purposes.
Children’s Information
Our Services are not intended for children under 13, and we do not knowingly collect their data.
External Links
We are not responsible for third-party websites linked from hchigroup.com.