Prudent Pet Insurance Agency, LLC (Prudent Pet) insurance programs are underwritten by United States Fire Insurance Company and administered by C&F Insurance Agency, Inc. and these Privacy Principles guide Prudent Pet’s conduct in the collection, use, release and security of personal and confidential information it obtains as part of its business of providing, producing and servicing commercial and personal lines insurance products, including underwriting, policy administration, insurance claims adjusting, production, appraisal and loss control services. These principles define Prudent Pet’s commitment to the privacy and integrity of the information it accumulates, manages and stores.
Who collects and has access to non-public personal information?
Personal information may be collected by and/or shared with employees of Prudent Pet or by any of Prudent Pet’s authorized representatives, attorneys, or others who provide services to Prudent Pet in connection with providing, producing and servicing its commercial and personal lines insurance products, such as claims administrators, independent appraisers, managed care providers, systems vendors, or similar service providers. Prudent Pet requires service providers to honor the privacy principles in the handling of non-public personal information obtained through its business relationship with Prudent Pet. Additionally, Prudent Pet may disclose information to third parties as allowed or required by law. For example, information may be released to comply with a statutory reporting requirement or in response to a subpoena or other order or inquiry of a court, regulator or governmental agency or to fulfill Prudent Pet’s obligations to its insurers or reinsurers.
Prudent Pet may make certain non-public personal information available to affiliate organizations or partners that provide goods, programs or services that will assist Prudent Pet in the servicing of your account and products it provides you. Prudent Pet uses very strict standards in determining which reputable companies become partners to ensure that such organizations are committed to the protection of visitors’ privacy and committed to the goals of Prudent Pet.
Why does Prudent Pet need personal information and what does it do with it?
Prudent Pet limits the collection, disclosure, and use of customer information to only what is needed to properly produce, underwrite and service its insurance products, and/or to fulfill legal or regulatory requirements. Prudent Pet collects personal information solely for conducting its business of marketing, producing, underwriting, servicing and administering its insurance products including, but not limited to:
- Promoting insurance and pet-related products
- Producing business through its affiliates and producers
- Underwriting and renewal of its commercial and personal lines insurance products
- Claims handling and adjusting, including investigation and payment of claims
- Claims administration and reporting
- Fraud detection and prevention
- Loss Control
- Complying with the law and statutory reporting requirements
- Business activities that Prudent Pet may legally undertake
Prudent Pet does not sell information to any third parties.
What types of information are collected?
The type of information that Prudent Pet collects varies according to the insurance product involved and may include information Prudent Pet receives from you on applications and other forms; information Prudent Pet receives from your employer; information C&F receives from other sources such as motor vehicle reports or other insurance-support organizations or medical providers.
Safeguarding Your Privacy
Access to non-public personal information is limited to those employees and authorized representatives, attorneys and service providers of Prudent Pet, an affiliate organization, or partner who specifically need such information to conduct their business responsibilities. If you conclude your relationship with Prudent Pet, Prudent Pet will continue to safeguard your privacy in accordance with the standards described in this notice. Prudent Pet maintains physical, electronic and procedural safeguards to protect non-public personal information.
About Our Website
Prudent Pet’s website is used only to disseminate information. Prudent Pet may count how many times its site has been visited and various other site statistics to help it provide a more useful and engaging online experience, but it does not gather any personal information about the visitors. If you send Prudent Pet an email, your communication will identify you to Prudent Pet. However, Prudent Pet will only use the information you provide to respond to your inquiry or in a manner you authorize.
By visiting Prudent Pet’s website, third parties (such as AdRoll) may place cookies on users’ browsers for targeted advertising purposes on other sites based on your users’ online activity. These third parties may collect data such as IP addresses, cookie identifiers, and website activity. Instructions on how to opt out of receiving targeted advertising can be found at www.aboutads.info or networkadvertising.org/choices.
Prudent Pet uses Google AdWords Conversion tracker and other Google services that place cookies on a browser across this website. These cookies help Prudent Pet increase this website’s effectiveness for its visitors. These cookies are set and read by Google. To opt out of Google tracking, please visit their page. Prudent Pet uses AdWords remarketing to market this website across the web. Prudent Pet places a cookie on a browser, and then a 3rd party (Google) reads these cookies and may serve an ad on a 3rd party site. You may opt-out of this ad serving on Google’s opt-out page. If you are concerned about 3rd party cookies served by networks, you should also visit the Network Advertising Initiative opt-out page.
Prudent Pet reserves the right to change its policy regarding cookies and the collection of information from visitors at any time without advance notice. Should any new policy be put into effect, Prudent Pet will post it on this website, and the new policy will apply only to information collected thereafter. Any such policy will permit visitors to “opt out” of the collection of any personally identifying information.
The privacy of communication over the internet cannot be guaranteed. If you are concerned about the security of your communication, we encourage you to send your correspondence through the postal service or use the telephone to speak directly to us. Prudent Pet does not represent or warrant that the site, in whole or in part, is appropriate or available for use in any particular jurisdiction. Those who choose to access the site, do so on their own initiative and at their own risk and are responsible for complying with all local laws, rules, and regulations. Prudent Pet does not assume any responsibility for any loss or damage you may experience or incur by the sending of personal information over the internet by or to Prudent Pet. This Usage Agreement shall be governed by the laws of the United States and of the State of Illinois, without giving effect to its conflict of laws provisions.
If you have any questions concerning our Privacy Principles, please contact us at
2211 Butterfield Rd
Downers Grove, IL 60515