Privacy policy
At 5X5 Holdings, LLC and 5X5 Insurance Services, LLC (together with our affiliated companies, “5X5”, “we”, “our”, and “us”), the protection of the information we collect about you is important to us. This privacy policy (“Privacy Policy”) applies to any websites (including www.5X5insurance.com and portal.5X5insurance.com, our “Website”) and any related products and services, including any associated interactive features, widgets, plug-ins, applications, content, downloads and other services we may offer to you that posts a link to this Privacy Policy (collectively, the “Services”), regardless of how you access or use them, whether via personal computer, browser, laptop, tablet, mobile phone or other device (each a “Device”). This Privacy Policy covers how 5X5 collects, uses, shares, and processes personal and other information and data of users of our Services.
By using or accessing our Services or by submitting information to 5X5, you consent to the terms of this Privacy Policy.
In addition to reading this Privacy Policy, please review our Terms of Use, which governs your use of our Services. If you do not agree to our Terms of Use and the collection, use and sharing of your information as detailed in this Privacy Policy, please do not access or otherwise use our Services or any information or content accessible on our Services.
We reserve the right to change this Privacy Policy at any time, and we will post a notice or inform you of any such changes on our Website.
1. Information Collection.
We collect information from you in several ways, including when you choose to share information with us by entering it through our Services and by using automated processes. We also collect information about your transactions with us, such as any information you submit to us through our Services.
(a) Information You Provide.
We may ask you and you may choose to provide certain “Personal Information” to us, which is information that identifies you personally, such as:
Contact information, your name, address, email address, phone number;
Government identifiers, license information, other identifiers we may ask for;
Policy and account numbers, your insurance policy needs and online or other accounts to enable us to share and request information with you;
Financial and commercial information, payment information or information about your assets including your aircraft;
Telematics data from your aircraft;
Claim information; and
Other information that is necessary to enable our Services.
Some of this other information may include your job title, marital status, employment information, customer service requests, application, and quote information, information about your relationship to a policy holder, insurer, or claimant, and aircraft flight operations data from onboard avionics.
When you submit a claim online we also may collect information about your claim that may include:
Health and medical information;
A narrative description of your claim; and
Other claims information that is relevant to your claim that you provide to us.
We collect telematics information with your consent. You have the right to decline to provide optional data at any time during the application and renewal processes and during the term of a policy. Providing optional data is a prerequisite to achieving certain safety discounts, and opting out of providing optional data will affect our view of the customer’s risk and policy price (cost to insure).
(b) Information About Third Parties.
By submitting Personal Information about any third party to 5X5, you promise that you have the consent of the third party to do so, and that the information you submit is factually accurate.
(c) Automated Information Collection.
In addition to any information that you choose to submit to us via our Services, such as telematics information, we and our third-party service providers may use a variety of technologies that automatically (or passively) store or collect certain information whenever you visit or interact with our Services (“Usage Information”). This Usage Information may be stored or accessed using a variety of technologies that may be downloaded to your Device whenever you visit or interact with our Services or may be collected via a separate device that we provide to you. To the extent we associate Usage Information with your Personal Information we collect directly from you through our Services, we will treat it as Personal Information. This usage information is used to streamline the customer experience, research potential risks, and enhance individual customers’ risk profiles.
This Usage Information may include:
your IP address, UDID or other unique identifier (“Device Identifier”). A Device Identifier is a number that is automatically assigned to your Device used to access our Services, and our computers identify your Device by its Device Identifier;
your Internet Service Provider (ISP);
your Device functionality (including browser, operating system, hardware, mobile network information);
the URL that referred you to our Services;
the areas within our Services that you visit and your activities there, including remembering you and your preferences;
your Device location;
your Device characteristics; and
certain other Device data, including the time of day, among other information.
Tracking Technologies. We may use various methods and technologies to store or collect Usage Information (“Tracking Technologies”). Tracking Technologies may set, change, alter or modify settings or configurations on your Device. A few of the Tracking Technologies include, without limitation, the following (and subsequent technology and methods later developed):
Cookies. A cookie is a data file placed on a Device when it is used to visit our Services. Cookies help websites remember information about a user's visit, which can make the site more useful.
Pixel Tracking (also known as Web Beacons). A method that uses small, invisible images embedded in websites, emails, or ads to monitor and gather data about how users interact with digital content. These may track elements you interact with on our Services, including text and other inputs you provide to us in a detailed manner.
Embedded Scripts. A method using a programming code that is designed to collect information about your interactions with our Services, such as the links you click on.
Tracking Technologies Usage. We may use Tracking Technologies for a variety of purposes, including:
Strictly Necessary. We may use Tracking Technologies that we consider are strictly necessary to allow you to use and access our Services, including cookies required to prevent fraudulent activity and improve security.
Performance-Related. We may use cookies or other Tracking Technologies that are useful in order to assess the performance of our Services, including as part of our analytic practices or otherwise to improve the content, products or services offered through our Services.
Functionality-Related. We may use cookies or other Tracking Technologies that are required to offer you enhanced functionality when accessing our Services, including identifying you when you sign-in to our Services or keeping track of our specified preferences, including in terms of the presentation of content on our Services.
Targeting-Related. We may use Tracking Technologies to deliver content relevant to your interests on our Services and third-party sites based on how you interact with our content. This includes using Tracking Technologies to understand the usefulness to you of the content that has been delivered to you.
2. Use of Collected Information.
We use the information collected from you for a few purposes:
Everyday business purposes, such as processing your applications, claims, customer service questions, underwriting, business analytics, other business purposes;
Marketing activities, such as identifying products and services that may be of interest to you;
Legal compliance, such as compliance with reporting requirements or legal process requests; and
Other purposes we inform you about.
These other purposes include anonymize or aggregating your information for marketing and actuarial purposes. We may also use the information that we collect to evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by us is among the assets transferred. We may also use the information that we collect to customize your experience on our Services, to better tailor our product offerings, to improve our Services and the content provided on and through our Services, and to enforce our Terms of Use.
3. Information Sharing.
We share the information that we collect from you with third parties to support our Services. For example, we share information with:
Service providers and affiliates, who assist us in our business operations;
As required by law, such as following a request under valid legal process;
Other third parties, such as during a merger or change of ownership of our business and during a due diligence process; and
To protect our Services and enforce our Terms of Use.
(a) Co-Branded Areas.
We may provide certain parts of our Services in association with third parties, such as promotional partners or affiliates. These “co-branded areas” will identify the third party. If you choose to use these co-branded areas, we may share your information with the identified third party, and that third party may also collect information from you, in addition to the information that we collect, as described above. You should review the privacy policies of those identified third parties to understand how they collect and use information.
(b) Links to Third-Party Websites.
Our Services may include links to third-party websites or other online services. We are not responsible for these other sites and services, and they may collect and use information about you. You should review the privacy policies for such third parties before using their sites or services to understand how they collect and use information.
(c) Third-Party Tracking and Do Not Track.
Third parties may use tracking technologies in connection with our Services, which may include the collection of information about your online activities over time and across third-party websites. This Privacy Policy does not apply to these third-party technologies because we may not control them and we are not responsible for them. Do Not Track is a technology that enables users to opt out of tracking by websites they do not visit. Currently, we do not monitor or take any action with respect to Do Not Track technology.
(d) Analytic Services and Targeted Ads.
We use third-party analytics services, like Google Analytics, to collect, monitor and analyze data we collect through our Services to better understand how our Services are used and to improve its functionality. These services may track details about your online activities over time and across different websites. These services may also allow us and others to provide you with targeted advertisements or other content that you may be interested in based on your online activities.
The Google Analytics service tracks and reports Website traffic and provides us insight into behavior information relating to visitor age, gender and interests. Google Analytics Demographics and Interest Reporting give us insight into behavior to help us understand browsing behavior and give you a better experience when you visit our Website. You can opt-out of Google Analytics for Display Advertising and customize Google Display Network ads using the Ads Settings.
These third-party services have their own privacy policies addressing how they use such information. We recommend you review their privacy policies. If you want to prevent your data from being used by Google Analytics, you may wish to take advantage of Google Analytics’ currently available opt-outs for the web.
If you would like to learn more about targeted ads that may be based on your online activities, and the choices that you may exercise for certain sites and advertisers, you may wish to visit the Network Advertising Initiative or the Digital Advertising Alliance.
4. Information Protection.
We use commercially reasonable and industry standard security technologies and safeguards to protect the information that we collect and use. For example, we use Secure Sockets Layer (SSL) for our registration and ordering functions, and we utilize a PCI-certified service provider to process payment card payments. We also expect our service providers to protect information in the same manner. However, no data transmission over the Internet, mobile networks, wireless transmission or electronic storage of information can be guaranteed 100% secure. Please note that we cannot guarantee the security of any information you transmit to us.
5. Users Outside of the United States.
If you are from a non-U.S. country, please be aware that the personal information you submit, including information provided through our Services, is being sent to a location in the United States. The data protection laws in the United States are likely different from those of the country in which you are located, and your personal information may be subject to access requests from governments, courts, or law enforcement in the United States according to laws of the United States. By providing such personal information through the Services, you are consenting to (and represent that you have authority to consent to), the transfer of such information to the United States for the uses and purposes described in this Privacy Policy. Without limiting the above, for the avoidance of doubt we do not have an establishment or target people in the EEA or UK.
6. Social Security Protection Policy Statement
It is our policy to protect the confidentiality of Social Security numbers (SSNs) from misuse and improper disclosure by maintaining and enforcing physical, electronic, and procedural safeguards. We prohibit unlawful disclosure of SSNs, and limit access to SSNs to our personnel who need access to SSNs in order to perform their job functions. We do not disclose SSNs to third parties except where required or permitted by law.
7. Children’s Privacy.
Our sites and applications are intended for general audiences, and we do not knowingly seek or collect personal information from children under the age of eighteen (18). In accordance with the Child Online Privacy Protection Act, in the event that we learn that we have collected personal information from a child under age thirteen (13) without verification of parental consent, we will delete that information as quickly as possible. If you believe that we might have any personal information from or about a minor, please contact us at legal@5x5insurance.com.
8. Contact Us.
If you have any questions about our privacy policy or comments on our Services or become aware of misuse of our Services by any person, please contact us at:
5X5 Insurance Services, LLC
Attn: Office of Privacy
1015 Glenwood Avenue, Floor 4
Minneapolis, MN 55405
(612) 979-9594
info@5X5insurance.com