Privacy Policy

Summary of Our Privacy Policy

Please read this Privacy Policy carefully. By using and accessing any of the Services, you agree to the collection, use, and disclosure of your information as described in this Privacy Policy. If you do not agree to this Privacy Policy, please do not use or access any of the Services.

This Privacy Policy is limited to OpenRoad’s usage and does not apply to any third parties, partners, or properties that might be linked to OpenRoad digitally or otherwise.

We may update this Privacy Policy from time to time, including to reflect changes to our practices or for other operational, legal, or regulatory reasons. We will post the revised Privacy Policy on the Site, update the "Last updated" date, and take any other steps required by applicable law.

OpenRoad's Privacy Policy

OpenRoad values your privacy and does not sell your personal information. Our collection and use of personal information is limited to the standards outlined in this Privacy Policy. This Privacy Policy describes how Open Road Insurance LLC (the "Site", "we", "us", or "our", or OpenRoad) collects, uses, and discloses your personal information when you visit, use our services, quote insurance, or make a policy transaction on Openroadautoinsurance.com (the "Site") or otherwise communicate with us (collectively, the "Services"). For purposes of this Privacy Policy, "you" and "your" means you as the user of the Services, whether you are a website visitor, policyholder, or another individual whose information we have collected pursuant to this Privacy Policy.

To provide the Services, we collect personal information about you from a variety of sources, as set out below. The information we collect and use varies depending on how you interact with us.

In addition to the specific uses set out below, we may use information we collect about you to communicate with you, provide the Services, comply with any applicable legal obligations, enforce any applicable terms of service, and to protect or defend the Services, our rights, and the rights of our users or others.

As described in this Privacy Policy, we collect personal information from your interactions with us and our website, including through cookies and similar technologies. We may also share this personal information with third parties, including advertising partners. We do this in order to show you ads on other websites that are more relevant to your interests and for other reasons outlined in our privacy policy.

Sharing of personal information for targeted advertising based on your interaction on different websites may be considered "sales", "sharing," or "targeted advertising" under certain U.S. state privacy laws. Depending on where you live, you may have the right to opt out of these activities. If you would like to exercise this opt-out right, please follow the instructions below.

What Personal Information We Collect

The types of personal information we obtain about you depends on how you interact with our Site and use our Services. When we use the term "personal information", we are referring to information that identifies, relates to, describes or can be associated with you. The following sections describe the categories and specific types of personal information we collect.

Information We Collect Directly from You: Information that you directly submit to us through our Services may include:

• Basic contact information details including your name, mailing address, e-mail address, telephone number, birth date, marital status and other information. These details can be collected during a number of different interactions with us such as during your insurance quote and application.
• Information about other people in your household and/or listed as policyholders including drivers and other household members.
• Information about your vehicles.
• Customer support information including the information you choose to include in communications with us. For example, when sending a message through the Services or completing a contact form on our website.
• Any and all other information you submit to us directly. This may include information you have provided in surveys, polls, questionnaires, social media or similar channels. This also includes any information we may collect as permitted or required by law.

Some features or the Services may require you to provide us with certain information about yourself. You may elect not to provide this information, but doing so may prevent you from using or accessing these features.

Information We Obtain from Third Parties: We may also obtain information about you from third parties, including from vendors and service providers who may collect information on our behalf. This includes but is not limited to collecting information from insurance companies, insurance brokers or agents, motor vehicle departments and driver licensing authorities, financial institutions, consumer reporting agencies, third-party data suppliers, operators of third-party content distribution channels and platforms, as well as social media platforms and similar services. Any information we obtain from third parties will be treated in accordance with this Privacy Policy. We are not responsible or liable for the accuracy of the information provided to us by third parties and are not responsible for any third party's policies or practices.

Examples of vendors who may collect data on our behalf:

• Companies who support our Site and Services, such as HubSpot.
• Our payment processors, who collect payment information (e.g., bank account, credit or debit card information, billing address) to process your payment in order to complete your transactions with us and provide you with products or services you have requested, in order to perform our contract with you.
• When you visit our Site, open or click on emails we send you, or interact with our Services or advertisements, we, or third parties we work with, may automatically collect certain information using online tracking technologies such as pixels, web beacons, software developer kits, third-party libraries, and cookies.

Examples of Information we may collect from third parties may include:

• Demographic information and interests.
• Driving records about you, other people listed as policyholders, other drivers, and/or other household members.
• Insurance claim history for you, other policyholders, drivers, or household members.
• Information about your other vehicles listed within your household.
• Employment history and information.
  

Information We Collect through Cookies: Like many companies, we use cookies, pixels and similar technologies ("Cookies") on our website. We also automatically collect certain information about your interaction with the Services ("Usage Data").  Usage Data may include information about how you access and use our Site and your account, including device information, browser information, information about your network connection, your IP address and other information regarding your interaction with the Services. We use Cookies to power and improve our Site and our Services (including to remember your actions and preferences), to run analytics and better understand user interactions with the Services (in our legitimate interests to administer, improve and optimize the Services). We may also permit third parties and service providers to use Cookies on our Site to better tailor the services, products and advertising on our Site and other websites.

Most browsers automatically accept Cookies by default, but you can choose to set your browser to remove or reject Cookies through your browser controls. Please keep in mind that removing or blocking Cookies can negatively impact your user experience and may cause some of the Services, including certain features and general functionality, to work incorrectly or no longer be available. Additionally, blocking Cookies may not completely prevent how we share information with third parties such as our advertising partners.

How We Use Your Personal Information 

OpenRoad uses your personal information for the following reasons:

Providing Products and Services: We use your personal information to provide you with various Services in order to perform our contract with you, including to process your payments, completing your insurance transactions, to send you notifications related to your policy or other transactions, to create, maintain and otherwise manage your policy and account, and to enable you to post reviews. This can also include: Completing, issuing, renewing and servicing your insurance policy.

• Improving our customer service processes and digital properties such as our website and account management tools.
• Determining your insurance needs.
• Maintaining our business records for reasonable periods as well as the general management and administration our business.
• Keeping your policy and account information accurate and up-to-date.
• Other product servicing uses as permitted or required by law.

Security and Fraud Prevention: If you choose to use the Services and register an account, you are responsible for keeping your account credentials safe. We highly recommend that you do not share your username, password, or other account access or policy details with anyone else. If you believe your account has been compromised, please contact us immediately. We may use your personal information to detect, investigate or take action regarding possible fraudulent, illegal or malicious activity. This can include:

• Verification of your identity.
• Analyzing various business trends.
• Protecting OpenRoad against fraud or malicious intent.
• Meeting various legal, regulatory, insurance, and security requirements.

• Other security uses as permitted or required by law.

Marketing and Advertising: We use your personal information for marketing and promotional purposes, such as to send marketing, advertising and promotional communications by email, text message or postal mail, and to show you advertisements for products or services. We use your personal information to better tailor the Services and advertising on our Site and other websites. This may include:

• Customizing interactions with us.
• Customizing and personalizing content, conducting advertising and marketing campaigns, and providing recommendations for products and services you might be interested in based on your behaviors and actions.

• Other marketing and advertising uses as permitted or required by law.

Communicating with you: We use your personal information to provide you with customer support and improve our Services. This is in our legitimate interests to be responsive to you, provide you effective services, and to maintain our business relationship with our policyholders.

How We Disclose Personal Information

OpenRoad does not sell your personal information. In certain circumstances, we may disclose your personal information to third parties for legitimate purposes subject to this Privacy Policy. Such circumstances may include:

• With vendors or other third parties who perform services on our behalf (e.g., IT management, payment processing, data analytics, customer support, cloud storage, fulfillment and shipping).
• With business and marketing partners to provide services and advertise to you. Our business and marketing partners will use your information in accordance with their own privacy notices.
• When you direct, request us, or otherwise consent to our disclosure of certain information to third parties.
• With our affiliates or otherwise within our corporate group, in our legitimate interests to run a successful business.
• In connection with a business transaction such as a merger or bankruptcy, to comply with any applicable legal obligations (including to respond to subpoenas, search warrants and similar requests), to enforce any applicable terms of service, and to protect or defend the Services, our rights, and the rights of our users or others.

OpenRoad will disclose information with the following categories of third parties as necessary:

• Our underwriting companies as well as your broker or agent. Most of the information collected about you and described within this privacy policy will be disclosed to our underwriting company as well as your broker or agent for the purposes of evaluating, issuing, renewing and servicing your insurance policy with OpenRoad.
• As required to various regulatory and self-regulatory agencies.
• Consumer reporting agencies.
• Licensed insurance agents and/or brokerages that have referred you to OpenRoad.
• Legally obligated disclosers such as law enforcement, attorneys, or lawsuit parties due to court subpoenas or laws.
• Insurance adjusters or insurance companies for use in claims handling.
• Advertising and marketing service providers contracted by OpenRoad.
• Third party professional service providers contracted by Open Road.
• Research consultants, analytics service contractors, and data brokers/providers.

Third Party Websites and Links 

Our Site may provide links to websites or other online platforms operated by our partners or third parties. If you follow links to sites not affiliated or controlled by us, you should review their privacy and security policies as well as other terms and conditions. We do not guarantee and are not responsible for the privacy or security of such sites, including the accuracy, completeness, or reliability of information found on these sites. Information you provide on public or semi-public venues, including information you share on third-party social networking platforms may also be viewable by other users of the Services and/or users of those third-party platforms without limitation as to its use by us or by a third party. Our inclusion of such links does not, by itself, imply any endorsement of the content on such platforms or of their owners or operators, except as disclosed on the Services.

Children’s Data

The Services are not intended to be used by children, and we do not knowingly collect any personal information about children. If you are the parent or guardian of a child who has provided us with their personal information, you may contact us using the contact details set out below to request that it be deleted.

As of the Effective Date of this Privacy Policy, we do not have actual knowledge that we “share” or “sell” (as those terms are defined in applicable law) personal information of individuals under 16 years of age.

Privacy Notice Disclosure for California Residents

Our use of personal information: The personal information we collect about you includes information within the data categories mentioned in the Notice of Disclosure for California Residents (link provided below). These data categories also represent the personal information we have collected over the past 12-month period. Please note the categories referenced in the Notice of Disclosure for California Residents refers to the categories of personal information as defined under the California Consumer Privacy Act, as amended by the California Privacy Rights Act, Cal. Civ. Code § 1798.100 et seq., (“CCPA”) and other laws implementing or supplementing the CCPA. If a data category is included, this indicates that depending on the services and products we provide to you, we may collect some information that falls within that category. It does not indicate that we collect all information listed in a category for all policyholders, prospects, or site visitors. It also does not necessarily mean that the CCPA applies to that specific data category for all policyholders, prospects, or site visitors (i.e., if the data category is governed by the federal Gramm Leach Bliley Act or the Fair Credit Reporting Act).

Open Road Insurance Notice of Disclosure for California Residents

Security and Retention of Your Information

Please be aware that no security measures are perfect or impenetrable, and we cannot guarantee “perfect security.” In addition, any information you send to us may not be secure while in transit. We recommend that you do not use unsecure channels to communicate sensitive or confidential information to us.

How long we retain your personal information depends on different factors, such as whether we need the information to maintain your account, to provide the Services, comply with legal obligations, resolve disputes or enforce other applicable contracts and policies.

Your Rights and Choices

Depending on where you live, you may have some or all of the rights listed below in relation to your personal information. However, these rights are not absolute, may apply only in certain circumstances and, in certain cases, we may decline your request as permitted by law.

• Right to Access / Know: You may have a right to request access to personal information that we hold about you, including details relating to the ways in which we use and share your information.
• Right to Delete: You may have a right to request that we delete personal information we maintain about you. 
• Right to Correct: You may have a right to request that we correct inaccurate personal information we maintain about you.
• Right of Portability: You may have a right to receive a copy of the personal information we hold about you and to request that we transfer it to a third party, in certain circumstances and with certain exceptions.
• Right to Opt out of Sale or Sharing or Targeted Advertising: As stated, we do not sell your personal information. You may have a right to direct us not to "share" your personal information or to opt out of the processing of your personal information for purposes considered to be "targeted advertising", as defined in applicable privacy laws. Please note that if you visit our Site with the Global Privacy Control opt-out preference signal enabled, depending on where you are, we will automatically treat this as a request to opt-out of the "sale" or "sharing" of information for the device and browser that you use to visit the Site.
• Right to Limit and/or Opt out of Use and Disclosure of Sensitive Personal Information: You may have a right to direct us to limit our use and/or disclosure of sensitive personal information to only what is necessary to perform the Services or provide the goods reasonably expected by an average individual.
• Restriction of Processing: You may have the right to ask us to stop or restrict our processing of personal information.
• Withdrawal of Consent: Where we rely on consent to process your personal information, you may have the right to withdraw this consent.
• Appeal: You may have a right to appeal our decision if we decline to process your request. You can do so by replying directly to our denial.
• Managing Communication Preferences: We may send you promotional emails, and you may opt out of receiving these at any time by using the unsubscribe option displayed in our emails to you. If you opt out, we may still send you non-promotional emails, such as those about your policy or account.

You may exercise any of these rights where indicated on our Site or by contacting us using the contact details provided below.

We will not discriminate against you for exercising any of these rights. We may need to collect information from you to verify your identity, such as your email address, account details, or policy information before providing a substantive response to the request. In accordance with applicable laws, you may designate an authorized agent to make requests on your behalf to exercise your rights. Before accepting such a request from an agent, we will require that the agent provide proof you have authorized them to act on your behalf, and we may need you to verify your identity directly with us. We will respond to your request in a timely manner as required under applicable law.

Complaints: If you have complaints about how we process your personal information, please contact us using the contact details provided below. If you are not satisfied with our response to your complaint, depending on where you live you may have the right to appeal our decision by contacting us using the contact details set out below, or lodge your complaint with your local data protection authority.

International Users: Please note that we may transfer, store and process your personal information outside the country you live in, including the United States. Your personal information is also processed by staff and third-party service providers and partners in these countries. 

Additional Information:

• OpenRoad Privacy Notice and Notice of Insurance Information Practices
• OpenRoad Cookie Policy
• Open Road Insurance Notice of Disclosure for California Residents

Contact

Should you have any questions about our privacy practices or this Privacy Policy, or if you would like to exercise any of the rights available to you, email us at Privacy@openroadinsure.com or contact us using the information below. 

Open Road Insurance LLC

4514 Cole Avenue

Suite 802

Dallas, TX 75205

1-866-952-7622