The affiliates of Universal
Insurance Holdings, Inc., strive to provide you with
high quality insurance products and efficient customer service. In the course of doing so,
we obtain personal information about you and your family. We consider this information
confidential and have procedures in place to protect the information against unlawful use
and disclosure. We will disclose your information only as necessary to process your
requests for insurance, to provide services to you as a policyholder or claimant, and as
otherwise allowed or required by law.
The following statements describe how we obtain and use information about you,
and how we protect that information. This statement applies to our affiliates identified
below, and applies not only to current customers but also to our former customers. You
do not need to take any action in response to this notice.
Personal Information We Collect
In connection with providing products and services to you, we obtain information
from several sources. Most of the information we obtain comes directly from you, such
as through the insurance applications you submit and other interactions you have with us.
From these interactions with you, we learn information such as your name, address,
telephone number, existing coverages, desired coverages, and similar information.
We also learn information about you from your transactions with us. This may
include information such as your current or past coverages and related information, your
premium levels, your payment history, your claims history, and other information. Your
insurance agent also may provide information to us, such as requested additions or
deletions of coverage and updated contact information for you. Finally, we may receive
information from outside parties that has a bearing on your eligibility for products or
services in which you are or might be interested. These parties may include consumer
reporting agencies, motor vehicle records bureaus, or other sources.
If you visit an Internet site that we maintain, we might request certain information
about you that will enable us to identify you as an user, including your name, a user
name, a password, and password reminders. We also might obtain information about
your web browser, operating system and similar information to improve the performance
and operation of our site.
Our Use of Your Personal Information
We do not share the information we collect with other parties, except our
affiliates, nonaffiliated parties performing contractual services for us, and as otherwise
permitted by law. Universal Insurance Holdings, Inc. is a holding company with various
subsidiaries providing various products and services relating to insurance and other
financial services. The companies also may offer other products and services as the
Universal Insurance Holdings family grows. In order to provide you with access to these
products and services, and to improve our service to you, we may share information
among members of our corporate family. The information we share among affiliates is
limited to information about your transactions and experiences with us and to information
that we otherwise are permitted to disclose by law.
When we provide information to parties performing contractual services for us
(such as marketing and research), we contractually require those parties to preserve the
confidentiality of your personal information. As indicated above, we also might share
information that we obtain about you with nonaffiliated parties as allowed or required by
law. This means that we will share information with parties as necessary to effect,
administer, or enforce transactions that you request. In other words, we might provide
your information, for example, to a company that prints and mails our insurance policies,
or to a company that adjusts claims you report to us. Finally, we are permitted or
required to share information with certain other parties listed in federal law and state
rules, such as insurance advisory organizations, our attorneys and accountants, consumer
reporting agencies, and civil and regulatory authorities.
How We Protect Your Personal Information
We maintain physical, electronic, and procedural safeguards to ensure the
confidentiality of the personal information we obtain about you. We restrict access to
your personal information to those employees who need to know that information to
provide services to you.
This summary of our practices is furnished for your information. No action is
required by you upon receipt of this notice.