This Privacy Notice describes how EFG collects and uses Personal Data about you by using our Website, and through email, telephone, and other electronic communications between you and EFG.
Enterprise Financial Group Inc. and its affiliates (collectively “EFG”, “we”, “us”, “our”) respect your privacy and are committed to protecting it through our compliance with this policy.
This privacy notice (our “Privacy Notice”) describes the types of information we may collect from you or that you may provide when you visit our websites https://simplicityprotection.com, https://efgcompanies.com/, and http://owneressentials.com/ (our “Website”), or call one of our representatives for a quote on our consumer product, home, lease or vehicle protection products (“Services”), and our practices for collecting, using, maintaining, protecting, and disclosing that information.
This policy applies to information we collect:
It does not apply to information collected by:
Please read this policy carefully to understand our policies and practices regarding your information and how we will treat it. If you do not agree with our policies and practices, your choice is not to use our Website. By accessing or using our Website or using our Services, you agree to this Privacy Notice. This Privacy Notice may change from time to time (see Changes to Our Privacy Notice). Your continued use of our Website or Services after we make a change is deemed to be acceptance of those changes, so please check this Privacy Notice periodically for updates.
Our Website and Services are not intended for children under the age of 13 and children under the age of 13 are not permitted to directly use our Website or Services. We will remove any information received from a child under the age of 13 if we become aware of it.
Our Website and Services are not intended for children under 13 years of age. No one under age 13 may directly provide any information to or on the Website or for Services. We do not knowingly collect Personal Data from children under 13. If you are under 13, do not use or provide any information on our Website or on or through any of its features, or use our Services, including providing your name, address, telephone number, or email address. If we learn we have collected or received Personal Data from a child under 13, we will delete that information. If you believe we might have any information from a child under 13, please contact us at the Contact Information below.
We collect different types of information about you, including information that may directly identify you, information that is about you but individually does not personally identify you, and information that we combine with our other users. This includes information that we collect directly from you or through automated collection technologies.
Generally
We collect several types of information from and about users of our Website (“Personal Data”):
We collect this information:
Information You Provide to Us
The information we collect are:
Information We Collect Through Automatic Data Collection Technologies
As you navigate through and interact with our Website, we may use automatic data collection technologies to collect certain information about your equipment, browsing actions, and patterns:
The information we collect automatically may include Personal Data, or we may maintain it or associate it with Personal Data we collect in other ways or receive from third parties. It helps us to improve our Website and to deliver a better and more personalized service by enabling us to:
The technologies we use for this automatic data collection may include:
We use your Personal Data for various purposes described below, including to:
We use information that we collect about you or that you provide to us, including any Personal Data:
We may also use your information to contact you about our goods and services that may be of interest to you. If you do not want us to use your information in this way, you may send us a return email asking to be omitted from future email distributions. For more information, see Choices About How We Use and Disclose Your Information.
We do not share, sell, or otherwise disclose your Personal Data for purposes other than those outlined in this Privacy Notice. We disclose your Personal Data to a few third parties, including:
We do not share, sell, or otherwise disclose your Personal Data for purposes other than those outlined in this Privacy Notice. However, we may disclose aggregated information about our users, and information that does not identify any individual, without restriction.
We may disclose Personal Data that we collect, or you provide as described in this Privacy Notice:
We may also disclose your Personal Data:
We offer you choices on how you can opt out of our use of tracking technology, disclosure of your Personal Data for our advertising to you, and other targeted advertising.
We do not control the collection and use of your information collected by third parties described above in Disclosure of Your Information. When possible, these organizations are under contractual obligations to use this data only for providing the services to us and to maintain this information strictly confidential. These third parties may, however, aggregate the information they collect with information from their other customers for their own purposes.
In addition, we strive to provide you with choices regarding the Personal Data you provide to us. We have created mechanisms to provide you with control over your Personal Data:
You can learn more about interest-based advertisements and your opt-out rights and options from members of the Network Advertising Initiative (“NAI”) on its website (www.networkadvertising.org) and from members of the Digital Advertising Alliance on its website (www.aboutads.info). We do not control third parties’ collection or use of your information to serve interest-based advertising. However, these third parties may provide you with ways to choose not to have your information collected or used in this way. You can also opt out of receiving targeted ads from members of the NAI on its website.
You may access and update your Personal Data at any time by contacting us.
You may notify us through the Contact Information below of any changes or errors in any Personal Data we have about you to ensure that it is complete, accurate, and as current as possible. We may not be able to accommodate your request if we believe it would violate any law or legal requirement or cause the information to be incorrect.
The law in certain states may provide their residents with additional rights regarding our use of your Personal Data.
The law in some states may provide you with additional rights regarding our use of Personal Data. To learn more about any additional rights that may be applicable to you as a resident of one of these states, please see the privacy addendum for your state that is attached to this Privacy Notice.
We may use automated data collection technologies to track you across websites. We currently do not honor do-not-track signals that may be sent by some browsers.
We also may use automated data collection technologies to collect information about your online activities over time and across third-party websites or other online services (behavioral tracking). Some web browsers permit you to broadcast a signal to websites and online services indicating a preference that they “do not track” your online activities. Because there is no standard for these signals at this time, we currently do not honor such signals and we do not modify what information we collect or how we use that information based upon whether such a signal is broadcast or received by us.
Information transmitted over the Internet is not completely secure, but we have adopted security measures to protect your Personal Data.
We have implemented security measures designed to secure your Personal Data from accidental loss and from unauthorized access, use, alteration, and disclosure. All payment transactions are performed by our third-party payment processor, who must comply with appropriate industry standards to protect your payment information.
Unfortunately, the transmission of information via the Internet is not completely secure. Although we take security measures to protect your Personal Data, including providing training and communications programs designed to educate employees about the meaning and requirements of our data security and confidentiality measures, we cannot guarantee the security of your Personal Data transmitted to our Website or by telephone to our representatives. Any transmission of Personal Data is at your own risk. We are not responsible for circumvention of any security measures contained on the Website.
We will post any changes to our Privacy Notice on our Website. If we make material changes to our Privacy Notice, we may notify you of such changes through your contact information and invite you to review (and accept, if necessary) the changes.
We may change this Privacy Notice at any time. It is our policy to post any changes we make to our Privacy Notice on this page with a notice that the Privacy Notice has been updated on the Website’s home page, indicating when it was last updated. If we make material changes to how we treat our users’ Personal Data, we will post a prominent notice on our Websites and/or provide other notice as required by law. The date this Privacy Notice was last revised is identified at the top of the page. You are responsible for periodically visiting our Website and reviewing this Privacy Notice to check for any changes. Use of our Website following such changes constitutes your acceptance of the revised Privacy Notice then in effect.
Please feel free to contact us with any questions or comments you have about this Privacy Notice or our privacy practices.
If you have any questions, concerns, complaints or suggestions regarding our Privacy Notice or our privacy practices, have any requests related to your Personal Data pursuant to applicable laws, or otherwise need to contact us, you contact us at contact information below or through the “Contact” page on our Website.
122 West Carpenter Frwy.
Sixth Floor
Irving, TX 75039
1-800-527-1984
legaldepartment@efgusa.com
EFG Privacy Addendum for California Residents
Effective Date: January 1, 2020
Last Reviewed on: August 5, 2020
This Privacy Addendum for California Residents (“Privacy Addendum”) supplements the information contained in the EFG Privacy Notice that this is attached to and applies solely to all visitors, users, and others who reside in the State of California (“consumers” or “you”). We adopt this notice to comply with the California Consumer Privacy Act of 2018 (“CCPA”) and any terms defined in the CCPA have the same meaning when used in this notice. Personal Information that is regulated under the CCPA may represent a limited portion of Personal Data as described in the EFG Privacy Notice; therefore, this Privacy Addendum applies solely to the Personal Information as defined below. We may update this Privacy Addendum for California Residents as necessary and in the event of changes in the CCPA. Note that this notice does not apply to our personnel. Please contact your supervisor if you are personnel and would like additional information about how we process your personal information.
INFORMATION WE COLLECT
Our Website and your participation in Services collects information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or device (“Personal Information”). In particular, EFG collects and has collected Personal Information through its Website and through Services from its consumers, as provided below.
Categories of Personal Information EFG has collected in the preceding 12 months:
Personal Information does not include information that is: (a) publicly available information from government records; (b) deidentified or aggregated consumer information; or (c) certain information excluded from the scope of CCPA, including the Fair Credit Reporting Act (FRCA), the Gramm-Leach-Bliley Act (GLBA) or California Financial Information Privacy Act (FIPA), and the Driver’s Privacy Protection Act of 1994.
Categories of sources from which EFG has collected Personal Information:
USE OF PERSONAL INFORMATION
We may use or disclose the Personal Information we collect for one or more of the following business purposes:
EFG will not collect additional categories of Personal Information or use the Personal Information we collected for materially different, unrelated, or incompatible purposes without providing you notice.
SHARING PERSONAL INFORMATION
We do not sell, rent, release, disclose, disseminate, make available, transfer, or otherwise communicate your Personal Information to another organization for monetary or other valuable consideration. However, EFG may disclose your Personal Information to a third party for one or more business purposes. When we disclose Personal Information for a business purpose, we enter a contract that describes the purpose and requires the recipient to both keep that Personal Information confidential and not use it for any purpose except performing the contract.
We share your Personal Information with the following categories of third parties:
Disclosures of Personal Information for a business purpose:
In the preceding twelve (12) months, EFG has disclosed the following categories of Personal Information for a business purpose:
We disclose your Personal Information for a business purpose to the following categories of third parties:
Sales of Personal Information:
In the preceding twelve (12) months, EFG has not sold Personal Information.
YOUR RIGHTS AND CHOICES
The CCPA provides consumers (California residents) with specific rights regarding their Personal Information. This section describes your CCPA rights and explains how to exercise those rights.
Access request rights
You have the right to request that EFG disclose certain information to you about our collection and use of your Personal Information over the past 12 months. Once we receive and confirm your verifiable consumer request (see Exercising Access and Deletion Rights), we will disclose to you:
Deletion request rights
You have the right to request that EFG delete any of your Personal Information that we collected from you and retained, subject to certain exceptions. Once we receive and confirm your verifiable consumer request (see Exercising Access and Deletion Rights), we will delete (and direct our service providers to delete) your Personal Information from our records, unless an exception applies.
We may deny your deletion request if retaining the information is necessary for us or our service provider(s) to:
Exercising Access and Deletion Rights
To exercise the access and deletion rights described above, please submit a verifiable consumer request to us by either:
Only you, or a person registered with the California Secretary of State that you authorize to act on your behalf (an “Authorized Representative”), may make a verifiable consumer request related to your Personal Information. You may also make a verifiable consumer request on behalf of your minor child.
You may only make a verifiable consumer request for access or data portability twice within a 12-month period. The verifiable consumer request must:
We cannot respond to your request or provide you with Personal Information if we cannot verify your identity or authority to make the request and confirm the Personal Information relates to you. With few exceptions, we will only review and fulfill a request from your Authorized Representative if (a) you grant the Authorized Representative written permission to make a request on your behalf, (b) you or the Authorized Representative provides us notice of that written permission, and (c) we are able to verify your identity in connection with that notice and the request.
Making a verifiable consumer request does not require you to create an account with us.
We will only use Personal Information provided in a verifiable consumer request to verify the requestor’s identity or authority to make the request.
For instructions on exercising sale opt-out rights, see Personal Information Sales Opt-Out and Opt-In Rights.
Response Timing and Format
We endeavor to respond to a verifiable consumer request within forty-five (45) days of its receipt. If we require more time (up to 45 days), we will inform you of the reason and extension period in writing.
If you have an account with us, we will deliver our written response to the contact information you provided in that account. If you do not have an account with us, we will deliver our written response by mail or electronically, at your option.
Any disclosures we provide will only cover the 12-month period preceding the verifiable consumer request’s receipt. The response we provide will also explain the reasons we cannot comply with a request, if applicable. For data portability requests, we will select a format to provide your Personal Information that is readily useable and should allow you to transmit the information from one entity to another entity without hindrance.
We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.
Personal Information Sales Opt-Out and Opt-In Rights
We do not sell the Personal Information of consumers and therefore do not provide any opt-in or opt-out capabilities on our website or otherwise.
NON-DISCRIMINATION
We will not discriminate against you for exercising any of your CCPA rights. Unless permitted by the CCPA, we will not:
CHANGES TO OUR CALIFORNIA ADDENDUM
We reserve the right to amend this California Privacy Addendum as described in our Privacy Notice. When we make changes to this California Privacy Addendum, we will inform you of such updates as described in our Privacy Notice.
OTHER CALIFORNIA PRIVACY RIGHTS
California Civil Code Section 1798.83 (California’s “Shine the Light” law) permits users of our Website that are California residents and who provide Personal Information in obtaining products and services for personal, family, or household use to request certain information regarding our disclosure of Personal Information to third parties for their own direct marketing purposes. If applicable, this information would include the categories of Personal Information and the names and addresses of those businesses with which we shared your Personal Information with for the immediately prior calendar year (e.g. requests made in 2019 will receive information regarding such activities in 2018). You may request this information once per calendar year. To make such a request, please send an email to legaldepartment@efgusa.com or write us at the mailing address shown in the Privacy Notice that this addendum is attached to.
EFG Privacy Addendum for Nevada Residents
Effective Date: January 1, 2020
Last Reviewed on: August 5, 20202
Enterprise Financial Group Inc. and its affiliates (“EFG”, “we”, “us”, “our”) respect your privacy and is committed to protecting it through our compliance with this policy.
EFG does not sell your personal information to any outside companies.
You are entitled, nevertheless, under Nevada law to formally request that we not sell any of your personal information. Please email us at legaldepartment@efgusa.com to submit your request and we will confirm your request.
Enterprise Financial Group Inc. and its affiliates are committed to providing a website that is accessible to the widest possible audience, regardless of technology or ability.
To assist in achieving the aforementioned accessibility goals with respect to our website, we are committed to working towards complying with all applicable standards through designing, developing, and operating our websites in substantial conformance with generally-recognized and accepted guidelines and/or standards for website accessibility (the “Standards”). While these Standards may change and/or evolve over time, they are currently the World Wide Web Consortium’s Web Content Accessibility Guidelines 2.1 at Levels A and AA (“WCAG 2.1”).
We regularly evaluate our website using automated accessibility assessment tools and make recommended adjustments in a timely manner. Our website developers have also received instruction related to web accessibility and universal design strategies.
Please be aware that our efforts are ongoing. If, at any time, you have any specific questions, feedback, or concerns about the accessibility of any particular web page within our sites or if you experience any difficulty in accessing any part of this website, please feel free to email us at accessibility@efgusa.com or call us at 800-527-1984 and we will work with you to provide the information, item, or transaction you seek through an alternate communication method that is accessible for you consistent with applicable law (for example, through telephone support). If you do encounter an accessibility issue, please be sure to specify the web page/URL/app in your email, and we will make all reasonable efforts to address your concerns.
