Most Recent Update: September, 3rd 2024
This Privacy Policy explains how AP Agency collects, uses and discloses personal information of its customers, prospective customers, and visitors to its website at APAgency.us . This notice describes our privacy policies and procedures in safeguarding information about customers and former customers that obtain financial products or services for personal, family or household purposes.

Information We Collect
We may collect the following categories of information for the purposes identified below. Please note that the examples are not an exhaustive list and may fall into multiple categories. Categories and specific pieces of information collected may vary depending on the nature of
your relationship with us. We may collect the following personal information directly from you, for example through a web form, during an online or in-person registration, while scheduling an appointment, when contacting us for customer service or while obtaining a quote from us. Information collected from our advertising partners: We may collect personal information about you from our advertising partners.  Personal information we collect from our advertising partners may include your demographic information, shopping history, and geographic location.

Category Examples

Personal Identifiers
Name, alias, address, social security number, date of birth, passport number, unique personal identifier, online identifier, IP address, e-mail  address, account name, government-issued identification number, phone number, signature

Personal Characteristics
Gender, demographic, medical and health, convictions, marital status, offspring, driving record, family member/other status, and other descriptions of your physical characteristics.

Commercial Information
Personal property, insurance policy number, medical information, or health insurance information, purchased products or services, considered products or services, purchasing or consuming histories or tendencies. 

Biometric Information
Voice print, photo. 

Internet or network activity 
Information regarding your interactions with websites, applications, and advertisements, browser type, electronic communications, IP address, cookies, browsing data when on local guest internet.

Audio, electronic, visual, thermal, olfactory
Audio, electronic, photo, visual information, such as a call or video recording, voicemail messages.

Professional information and Employment information/Education Information
Job titles, work history, school attended, employment status, veteran, or military status.

Education Information
Job titles, work history, school attended, marital status, e-mail, telephone recordings.

Inferences
Preferences, behaviors, characteristics, trends, predispositions, attitudes, abilities, and aptitudes.

Sensitive Personal Information
Social security number, driver’s license number, state ID card, account login, precise geo-location, bank account number, credit or debit card number, or any other financial information, trade union membership, your communications with us.

Purposes for Collection of Personal Information
We collect and use your personal information to offer, provide and maintain insurance products and related services to you. We may use your  personal information collected directly from you, to include email and text messaging communication subject to your consent for one or more  of the following purposes:

• To offer, provide, and maintain insurance products and related services to you;
• To authenticate and verify your identity; to maintain your preferences and to contact you;
• Security: authentication and verification of your identity, fraud identification and protection;
• Conduct analytics, research and development, improvement of our products and services;
• To conduct quality assurance;
• To provide a location-based product or service requested by you;
• To apply relevant discounts;
• To create profiles based on personal information collected and reflecting individual preferences to provide appropriate or relevant products  and services and improve and analyze our products and services and provide relevant marketing;
• We use information collected from our advertising partners to market our products and services to you.

We collect certain information (“nonpublic personal information”) about you and the members of your household (“;collectively, you”) from the following sources:
• Information you provide on applications or other forms, such as your social security number, assets, income, and property information.
• Information about your transactions with us, our affiliates, or others, such as your policy coverage, premiums, and payment history.
• Information from your visits to the websites we operate, use of our mobile sites and applications, use of our social media sites, and  interaction with our on-line advertisements.
• Information we receive from consumer reporting agencies or insurance support organizations, such as motor vehicle records, credit report information, and insurance claim history

• If you obtain a life, long-term care, or disability product, information we receive from you, medical professionals who have provided care to  you and insurance support organizations, regarding your health.

How Long Do You Retain My Information
We retain your personal data for as long as reasonably necessary to fulfill the purpose for which it was collected or to comply with legal,  regulatory, or internal procedures or obligations.

How We Protect Your Information
Our customers are our most valued assets. Protecting your privacy is important to us. We restrict access to personal information to those  individuals, such as our employees and agents, who provide you with our products and services. We require individuals with access to your information to protect it and keep it confidential. We maintain physical, electronic, and procedural safeguards that comply with  applicable regulatory standards to guard your nonpublic personal information. We do not disclose any nonpublic personal information about  you except as described in this notice or as otherwise required or permitted by applicable law.

Information We Disclose
We may disclose the nonpublic personal information we collect about you, as described above, to our affiliates, to companies that perform  marketing services on our behalf or to other financial institutions with which we have joint marketing agreements, and to other third parties, all  as permitted by law and for our everyday business purposes, such as to process your transactions and maintain your accounts and insurance  policies. Many employers, benefit plans or plan sponsors restrict the information that can be shared about their employees or  members by companies that provide them with products or services. If you have a relationship with Farmers or one of its affiliates as a result of products or services provided through an employer, benefit plan or plan sponsor, we will follow the privacy restrictions of that organization. We are permitted to disclose personal health information:

(1) to process your transaction with us, for instance, to determine eligibility for coverage, to process claims or to prevent fraud;
(2) with your written authorization, and
(3) otherwise as permitted by law.
When you are no longer our customer, we continue to share your information as described in this notice.

Sharing Information with Affiliates
AP Agency is a Captive Farmers Insurance Agency. Therefore our primary Affiliate is The Farmers Insurance Group® of Companies which  includes affiliates that offer a variety of financial products and services in addition to insurance. Sharing information enables our affiliates to  offer you a more complete range of products and services.
We may disclose nonpublic personal information, as described above in Information We Collect, as permitted by law to our affiliates, which  include:

• Financial service providers such as insurance companies and reciprocals, investment companies, underwriters, and brokers/dealers.
• Non-financial service providers, such as data processors, billing companies and vendors that provide marketing services for us.
We are permitted by law to share with our affiliates information about our transactions and experiences with you. In addition, we may share with our affiliates consumer report information, such as information from credit reports and certain application information, received from you and from third parties, such as consumer reporting agencies and insurance support organizations.

Modifications to our Privacy Policy
We reserve the right to change our privacy practices in the future, which may include sharing nonpublic personal information about you with  other nonaffiliated third parties. Before we make any changes, we will provide you with a revised privacy notice and give you the opportunity to opt-out of, or, if applicable, to opt-in to that type of information sharing.

Important Privacy Choice
You have choices about the sharing of some information with certain parties. These choices may differ based on the particular affiliate(s) with  which you do business.
For all AP Agency customers: If you prefer that we discontinue the sharing the information that we have collected you may email  [email protected] with your request to purge your information from our system or you can call us at 1-970-315-4628 and let any of our Agents know that you would like to be added to our Do Not Call registry and we will process the request within a reasonable time after we receive the request.

SMS Message Communications from AP Agency
If you wish to stop receiving text messages from us, reply STOP to stop texts from AP Agency at any time.

SMS Messaging Privacy Policy & Terms and Conditions
AP Agency (“AP Agency”, “we”, or “us”) operates a SMS messaging program (the “Program”)
subject to these SMS Messaging Terms and Conditions (these “SMS Messaging Terms”). Your SMS Messaging acceptance is strictly between you, AP Agency and the service providers we use for this Program, we will never share, trade, or otherwise sell your SMS consent to third parties under any circumstances.

1. Program Description: We may send promotional and transactional SMS messages in various formats through the Program. Promotional messages advertise and promote our products and services. Transactional messages relate to an existing or ongoing transaction and
may include Quote updates, appointment reminders, and other transaction-related information. SMS messages may be sent using an  automated technology, automated system, or automatic telephone dialing system. Message frequency will vary but will not exceed 5 messages per Week. You agree that we may send you messages regarding the foregoing topics or any topic and that such messages and/or  calls may be made or placed using different telephone numbers or short codes, except in connection with marketing purposes. We do not  charge for mobile messages sent through the Program but you are responsible for any message and data rates imposed by your mobile  provider, as standard data and message rates may apply for short message service and multimedia message alerts.

2. User Opt-In: Either by contact form, verbally or messaging us first, you are voluntarily opting in to the SMS Program and you agree to receive  recurring SMS messages from us at the mobile phone number associated with your opt-in, even if such number is registered on any state or federal “Do Not Call” list. You agree that any mobile phone number you provide to us is a valid mobile phone number of which you are the owner or authorized user. If you change your mobile phone number or are no longer the owner or authorized user of the mobile phone number, you agree to promptly notify us at [email protected] or (970) 315-4628. Your participation in the Program does not require that you make any purchase from us and your participation in the Program is completely voluntary.

3. User Opt-Out and Support: You may opt-out of the Program at any time. If you wish to opt-out of the Program and stop receiving SMS messages from us, or you no longer agree to these SMS Messaging Terms, reply STOP, QUIT, CANCEL, OPT-OUT, and/or UNSUBSCRIBE to the mobile number the message is sent from. You may continue to receive text messages for a short period while we process your request and you may receive a one-time opt-out confirmation message. You understand and agree that the foregoing is the only reasonable method of opting out. If you want to join the Program again, just sign up as you did the first time, and we will start sending messages to you again. For  support, reply HELP to any mobile message from us. Our mobile messaging platform may not recognize requests that modify the foregoing commands, and you agree that we and our service providers will not be liable for failing to honor requests that do not comply with the  requirements in these SMS Messaging Terms. We may also change the telephone number or short code we use to operate the Program and we will notify you of any such change. You acknowledge that any requests sent to a telephone number or short code that has been changed  may not be received by us and we will not be responsible for failing to honor a request sent to a telephone number or short code that has been changed.

4. Disclaimer of Warranty and Liability: The Program is offered on an “as-is” basis and may not be available in all areas, at all times, or on all  mobile providers. You agree that neither we nor our service providers will be liable for any failed, delayed, or misdirected delivery of any mobile message or information sent through the Program.

5. Modifications: We may modify or cancel the Program or any of its features at any time, with or without notice. To the extent permitted by  applicable law, we may also modify these SMS Messaging Terms at any time. Any such modification will take effect when it is posted to our website. You agree to review these SMS Messaging Terms periodically to ensure that you are aware of any modifications. Your continued  participation in the Program will constitute your acceptance of those modifications.

Signed
Abraham Peters, Owner, AP Agency