Effective from: 1st June, 2025
Protecting your privacy is very important to BluBear Online. If you or your agent choose to provide us with information, we will take reasonable precautions to keep your Personally Identifiable Information (PII) secure. PII means information that identifies you as an individual, such as your name and Social Security number, as well as financial, health, and other nonpublic information about you that we obtain so we can provide you with our services.
We will keep the information you provide private, as required by law. Please read our privacy policy carefully to better understand how we collect, use, or otherwise handle your PII.
When you apply for a policy or service, we may collect personal information about you, another insured on your policy, or a beneficiary. We will only use this information for the specific reason it is provided.
We collect no PII from you when you visit our website or application unless you voluntarily provide it. We do not collect PII from users who visit our website anonymously but may collect website tracking data (see further discussion below). When getting a quote, filling out a form, or registering on our website, you may be asked to enter your name, email address, phone number, or other details to help you with your experience so that we can provide our services.
To get a quote or to determine eligibility, we will use the information we collect from you, as well as information collected from third-party sources. These sources may look up information about your business based on the information you have entered, including but not limited to business address, year the business was established, your Experience Modification Factor, your risk profile, and claims information. If BluBear Online cannot meet all your coverage needs, we may share your information with trusted BluBear Partners to offer you additional coverage options.
When determining eligibility for our products, we collect information from you that could be shared for business or legal reasons. We may collect the following personal information:
We use information that we collect about you or that you provide us, including any personal information, in the following ways:
We collect your information:
We use reasonable physical, electronic, and procedural safeguards to protect your information. These safeguards include encryption, website security, strict access controls, and other applicable controls. We restrict access to your information to those within our organization who must use it to provide our products and services to you. Access is monitored and only granted to our employees or partner organizations needing to know. We retain the information you provide only as long as needed or the law requires.
BluBear Online reserves the right to share your nonpublic financial information with its affiliates for marketing purposes without your written consent. The law does not restrict these disclosures.
When you use our website, we collect some information to better provide services to you and enhance your online experience.
Cookies are small files that a site or its service provider transfers to your computer’s hard drive through your Web browser (if you allow), enabling the site’s or service provider’s systems to recognize your browser and capture and remember certain information. Cookies are also used to help us understand your preferences based on previous or current site activity, which enables us to provide you with improved services. We also use cookies to help us compile aggregate data about site traffic and interactions to offer better site experiences and tools in the future.
You can have your computer warn you each time a cookie is being sent, or you can turn off all cookies. You do this through your browser settings. Since each browser differs, look at your browser’s Help Menu to learn how to modify your cookies.
If you turn cookies off, some features that make the site experience more efficient may not function correctly and affect the user’s experience.
Pages of our Website and our emails may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit BluBear Online, for example, to count users who have visited those pages or opened an email, and for other related website statistics.
As part of our overall performance and effectiveness monitoring, we use the Google Analytics and Enhance Conversions tools from Google Ads Solutions. We use them to track customer activity, analyze the effectiveness of our website, and compile data regarding user interactions with ad impressions and other ad service functions as they relate to our website.
Your browser may include a “do not track” (DNT) setting that signals websites to disable tracking. We honor requests from browsers that support DNT.
We do not sell, trade, or otherwise transfer your PII to outside parties unless we provide you with advanced notice. This does not include website hosting partners and other parties who assist us in operating our website, conducting our business, or serving our users, so long as those parties agree to keep this information confidential. We may also release information when its release is appropriate to comply with the law, enforce our site policies, or protect our or others’ rights, property, or safety.
When you provide personal information to us, we may disclose the information you provide as described, with your consent, or to:
We may also disclose your personal information:
Occasionally, at our discretion, we may include or offer third-party products or services on our website. These third-party sites have separate and independent privacy policies. We, therefore, have no responsibility or liability for the content and activities of these linked sites, nor do these links constitute an endorsement. Nonetheless, we seek to protect the integrity of our site and welcome any feedback about these sites.
To review and change your personal information, you may send requests to [enter email address].
Changes will be made within 30 business days of the request. If a change cannot be made, we will send you a notice explaining why the change will not be completed.
We reserve the right to modify this policy at any time and will change this Privacy Policy when appropriate, and such changes will be effective immediately upon posting to the Privacy Policy page on our website.
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