Privacy Policy

FIGO Pet Insurance LLC - We understand the importance of your privacy and the information that you may supply to us when using our website.  FIGO Pet Insurance LLC strives to protect your information and keep it secure.

FIGO Pet Insurance undertakes electronic, physical and procedural security measures to protect the personal information of its customers and visitors as well as veterinarians and other vendors.

SSL Certificates.  FIGO’s website undergoes daily website security tests through Symantec Corporation’s website security solutions program, an identity and authentication security service. 

Effective March 2015

1. Scope of this Privacy Policy

FIGO Pet Insurance LLC (“FIGO”, “we” or “us”), provides insurance and technology products and services for the pet industry.  This Privacy Policy describes the security measures we apply to the use of all FIGO domains, services and applications (“FIGO sites or services”) by end users, visitors and customers (“you”).  This Privacy Policy applies to all FIGO sites or services and provides important information regarding the use and disclosure of information collected by FIGO. If you do not agree to the terms of this Privacy Policy, please do not use FIGO sites or services.
At FIGO, we value your relationship and we believe strongly in protecting your privacy.  Please read this Privacy Policy carefully to learn more about the ways in which we use and protect your Personal Identifiable Information.  This Privacy Policy outlines what types of non-public information is collected, to whom it may be disclosed, and how that information may be used. 

2. Collection of personal information

FIGO may require you to register on FIGO sites or services and we may collect personal information from you to provide or service our insurance products, our services and products on the FIGO Pet Cloud, and to complete various other transactions.

The type of non-public personal information we may collect from you, as well as others, in order to provide the insurance products that you request from us includes (the following shall be collectively referred to as “Personal Identifiable Information”):

• Your name, address, email address, and telephone number;
• Age, marital status, occupation, social security number, assets, income, and beneficiaries;
• Credit history, credit standing, policy coverage, claim history, premiums, and payment history; and
• Information from a veterinary medical provider concerning your pet’s medical records.

We will collect such Personal Identifiable Information from you: electronically, in person, by telephone or over the Internet; by forms you submit to us such as applications, claims, and policy updates; your business dealings with us and with other companies; and consumer reporting agencies. 

FIGO sites or services may provide links to third-party applications, products, services, or websites for your convenience and information. If you access those links, you will leave the FIGO site. FIGO does not control those third party sites or their privacy practices, which may differ from FIGO’s practices. We do not endorse or make any representations about third-party sites. The Personal Identifiable Information you choose to provide to, or that is collected by, those third parties is not covered by the FIGO Privacy Policy.  We cannot control the activities of third parties and we have no responsibility for any use of your Personal Identifiable Information by such third parties. Any information you choose to provide to third party websites or products will be governed by the policies of those third party websites and products. 

If you post, comment, indicate interest, or share personal information, including ideas, suggestions, opinions, comments, observations, or other material (collectively, “User Submission”) to any public forum on the FIGO sites or services, including any social network page, blog, or other such forum, please be aware that any Personal Identifiable Information disclosed in your User Submission can be read, viewed, collected, or used by other users of these forums, and could be used to contact you, send you unsolicited messages, or for purposes that neither you nor FIGO control. FIGO is not responsible for the Personal Identifiable Information contained in your User Submission. 

3. How we use and share your information

The information FIGO collects to understand your needs and interests helps FIGO deliver a consistent and personalized experience. For example, FIGO may use your Personal Identifiable Information to assist you in completing a transaction or order; supply you with relevant research on pet health; administer your policy; process your claims; policy underwriting; communicate with you about products and services; provide and improve service and support; update you on new services and benefits; develop new products and services; provide personalized promotional offers; select content to be communicated to you; measure performance of marketing initiatives, ads, and websites “powered by” another company on FIGO’s behalf; aggregate certain types of information to better understand or provide better engagement with our customers; contact you regarding FIGO products or services; and prevent and detect security threats, fraud or other malicious activity. We may also use your Personal Identifiable Information for the general administration of your records by us, the general maintenance of our database and records, and for training our employees in respect of providing our service to you.

We only disclose your Personal Identifiable Information as allowed or required by law. In those instances, we may disclose certain of your Personal Identifiable Information without your prior consent. We may collect and aggregate general information about you and your pets and use that information for limited commercial purposes; however, we will not sell information that could be used by a third party to identify you individually, whether by name, address, or other similarly private information.  For example, we may collect and aggregate broadly measurable demographic information such as the breed of your pets and your city of residence.  In order for us to obtain, or to service the insurance products that you ask for from us, we may need to disclose your Personal Identifiable Information to affiliated and unaffiliated companies. We will share the amount of Personal Identifiable Information as necessary to provide a particular service or product. Our affiliates include insurance companies, insurance agencies, and other financial services companies that, either directly or indirectly, we control, are controlled by, or that are owned or controlled by the same entity that controls us (“Affiliates”).

We may disclose Personal Identifiable Information to the following:

• Veterinary facilities or providers, to verify coverage and benefits;
• Financial companies, such as life, automobile, and property insurers, and insurance agents or brokers;
• A group policyholder for purposes of billing and collecting premiums, or reporting claims experience;
• Service providers that perform insurance or business functions for us, including our insurance carrier and our actuarial consultants;
• Service providers that help process or service your account; and
• Business partners that provide services and fulfillment on behalf of us.

We may share Personal Identifiable Information with entities or organizations that collect insurance data about claim history, accident fault, and amounts paid. Such entities or organizations may retain that information and disclose it to other insurance companies and others legally entitled to see such data. We send current customers a privacy notice each year. If our practices change, we will inform you promptly. We treat our former customers’ information with the same level of protection as our current customers' information.

FIGO may post customer news, events, or testimonials on FIGO sites.  Such information is only posted with the express permission of the individual or company who provided that information.  FIGO may, from time to time, take photographs and videos of events at FIGO locations or FIGO sponsored events.  FIGO may post such photographs and videos on FIGO sites, including FIGO’s social network pages (e.g. Facebook, Instagram, Pinterest, Twitter, YouTube, and LinkedIn).  FIGO will use its reasonable efforts to remove any posted photo or video upon written notice from you requesting such removal.  All such requests should be submitted to support@FigoPetInsurance.com or you may write to us at the address listed below.

We may also disclose Personal Identifiable Information under the following circumstances: (a) to respond to duly authorized information requests of police and governmental authorities; (b) to comply with any law, regulation, subpoena, or court order; (c) to investigate and help prevent security threats, fraud or other malicious activity; (d) to enforce and protect the rights and properties of FIGO or its Affiliates; or (e) to protect the rights or personal safety of FIGO employees and third parties on or using FIGO property. In the event of a merger, consolidation, or sale or transfer of all or substantially all of the assets of FIGO or its Affiliates, Personal Identifiable Information from our customers and stored in our customer database will be transferred to the purchasing or new entity. However, the use of this information by any purchasing or surviving entity would be governed by the terms of this Privacy Policy, as amended from time to time, including any amendment after such transaction.

Credit card, debit card and other payment method information is used only for payment processing and fraud prevention. Credit card information and other sensitive personal information required to process a credit decision is not used for any other purpose by FIGO and will not be kept longer than necessary for providing the services. We do not store credit card, debit card or other payment method information.  Credit card and debit card payments are processed through our third-party vendor, Authorize.net.  ACH direct debit payments are processed through PNC Bank.  Please review the Terms of Use and other relevant documents located on the Authorize.net website for more information. 

California Privacy Rights

Pursuant to Section 1798.83 of the California Civil Code, residents of the State of California have the right to request from a business, with whom the State of California resident has an established business relationship, certain information with respect to the types of personal information the business shares with third parties for direct marketing purposes by such third party and the identities of the third parties with whom the business has shared such information during the immediately preceding calendar year.

To request a copy of the information disclosure provided by us pursuant to Section 1798.83 of the California Civil Code, please contact support@FigoPetInsurance.com.

4. Children's privacy

FIGO does not knowingly collect information from children under the age of 13, solicit information from children, or market products to children. FIGO sites or services are not intended for use by children and we do not target our websites to children under 13.

5. Access to and accuracy of your information

FIGO strives to keep your Personal Identifiable Information accurately recorded. You have the right to access and request the correction, amendment, or deletion of all of your recorded personal information that has been collected by us. If you wish to review your recorded Personal Identifiable Information, please contact us at:

FIGO Pet Insurance LLC
Attn: Compliance Department
Email: support@FigoPetInsurance.com; or
540 N. Dearborn Street
No. 10873
Chicago, IL 60610

If you write to us, please include your name, address, telephone number, and policy number and let us know what kind of information you want to see. You may see and copy your information in person, or if you prefer, we will copy and send you your information. If you see any mistakes, let us know and we will review it. If we agree, we will correct our files. If we disagree, you may file a short statement of dispute with us. Your statement will be included with any data we disclose in the future. We will also send the statement to anyone you ask us to who received your information from us in the past two years.

6. Keeping your personal information secure

FIGO takes the trust you place in us seriously. To prevent unauthorized access or disclosure, to maintain data accuracy, and to ensure the appropriate use of the information, FIGO utilizes generally accepted industry standards to protect your Personal Identifiable Information submitted to FIGO.  All of our employees and sub-contractors with access to Personal Identifiable Information and/or who are associated with the processing of Personal Identifiable Information are contractually obligated to respect the confidentiality of such Personal Identifiable Information. No method of transmission over the internet, or method of electronic storage is 100% secure, therefore we cannot guarantee the absolute security of your Personal Identifiable Information. 

7. Use of Cookies

FIGO sites or services use standard Internet technologies such as “cookies” and “web beacons” in order to retrace your interaction with our sites and services. “Cookies” are small files that are placed on your hard drive for identification purposes. These files are used for site registration and customization the next time you visit us. You should note that cookies cannot read data off of your hard drive and they cannot be used to identify you personally. Your web browser may allow you to be notified when you are receiving a cookie, giving you the choice to accept it or not. You have the ability to prevent cookies from being saved on your computer by making the appropriate adjustments in your browser options. By not accepting cookies, some pages may not fully function and you may not be able to access certain information on this site.

Cookies help us to understand your website usage, so we can continually improve its usability. For example, we may use cookies to personalize your experience on our website, if you have accepted this option (e.g., to remember your customer ID on a login page). We may also use cookies to offer you other insurance and financial services products that may suit your needs. During the period you are logged into our site, we log IP addresses (a number assigned to your computer when you use the Internet), browser and platform types, domain name, access times, referral data (the last site or URL you visited before logging into our site and the first site or URL you visit after leaving our site), and your activity while using our site.

There are two types of cookies you may encounter when using FIGO sites or services.  First Party Cookies are our own cookies controlled by us and used to provide information about usage of our site.  Third party cookies are set by third party sites.  FIGO does not have control over third party cookies.  One of the third party cookies we use is the web analysis tool, “Google Analytics”. Google Analytics is a popular web analytics service provided by Google to help us analyze how users use FIGO sites or services.  Find out more about how these cookies are used on Google’s privacy site.

8. Changes to this statement

The terms of the Privacy Policy may change from time to time without notice to you unless required by law. If we modify our Privacy Policy, we will post the revised statement here, with an updated revision date. To make sure that you are aware of the most recent Privacy Policy, you should review this page periodically.

9. Conflicts

This site was designed to provide you with helpful information about our products. Information presented throughout the site is subject to policy terms, conditions and limitations. In the event that there is any discrepancy between any information on this site and an actual insurance policy, the terms, conditions and limitations of the insurance policy will govern.

Nothing on this website is intended or should be construed as a solicitation or offer to sell insurance products in any jurisdiction in which we are not properly licensed.

10. Contacting us

We value your opinions. If you have comments or questions about our Privacy Policy, please send them to support@FigoPetInsurance.com

You may also contact us at 540 N. Dearborn Street, No. 10873, Chicago, IL 60610 or call toll free at 844-738-3446.
 

This Privacy Policy was last modified on March 17, 2015.

© FIGO Pet Insurance LLC. All Rights Reserved.

 

Did you find this article helpful?