Farm Bureau General Insurance Company of Michigan
Farm Bureau Mutual Insurance Company of Michigan
Farm Bureau Life Insurance Company of Michigan
Community Service Acceptance Company
(Each referred to herein as "Farm Bureau Insurance")
7373 W. Saginaw Hwy., Lansing, MI 48917 (517) 323-7000
PRIVACY NOTICE
Last Revised: December 2022
The Michigan Farm Bureau Family of Companies (collectively referred to as "Michigan Farm Bureau Family of Companies", “we”, or “us”) values your business, and we appreciate the trust you have placed in us. That is why we're serious about keeping your personal information private. This notice describes how we handle your personal information and what steps we take to protect your privacy, including on our website.
As used in this Privacy Notice, the term “Michigan Farm Bureau Family of Companies” refers to the following affiliates and subsidiaries of Michigan Farm Bureau, a Michigan nonprofit corporation: (a) Farm Bureau General Insurance Company of Michigan, Farm Bureau Mutual Insurance Company of Michigan, Farm Bureau Life Insurance Company of Michigan, Community Service Acceptance Company (which collectively may be herein referred to as “Farm Bureau Insurance”); and (b) Michigan Farm Bureau Financial Corporation, MFB, Inc., Michigan Agricultural Cooperative Marketing Association, and the Michigan Foundation for Agriculture.
By continuing to use our products and services, including our website, you consent to the policies described in this Privacy Notice.
Information We Collect
We collect certain public and nonpublic information necessary for the pricing, underwriting, and servicing of the insurance products you have applied for or that are already in force with Farm Bureau Insurance. We may also collect similar information from individuals not insured through Farm Bureau Insurance who file claims with us.
Personal Information That May Be Collected:
In order to make a purchase or to access designated member services and /or restricted areas within our website, the Michigan Farm Bureau Family of Companies will request a user to provide certain personal identifying information, which may include name, postal address, e-mail address, telephone number, method of payment, and, if applicable, credit card number. The Michigan Farm Bureau Family of Companies may request additional information necessary to establish and maintain customer's account.
We collect information from the following sources:
- Information we receive from you on applications or other forms (such as name, address and social security number);
- Information about your transactions with us, our affiliates, Farm Bureau Insurance Agents, or others (such as products purchased and policy coverage);
- Information we receive from a consumer reporting agency (such as motor vehicle reports and loss information);
- Information from other sources (such as vehicle title information from the Secretary of State); and
- Information we receive from an analytics company if you voluntarily participate in our telematics program (such as driving related data and mobile device information).
Use of Computer Tracking Technologies
(a) Tracking Services.
The Michigan Farm Bureau Family of Companies’ website(s) do not track, collect, or distribute personal information not entered by visitors. The Michigan Farm Bureau Family of Companies partners with third-party service providers who may use tracking to provide services. The Michigan Farm Bureau Family of Companies uses Google Analytics to improve the web services we provide. An explanation of how Google uses your information can be found here: https://policies.google.com/technologies/partner-sites. Through website access logs, the Michigan Farm Bureau Family of Companies does collect clickstream data and HTTP protocol elements, which generate certain kinds of non-identifying site usage data, such as the number of visits to our sites. This information is used for internal purposes by technical support staff for research and development, user analysis and business decision making, all of which provides better services to the public. The statistics garnered, which contain no personal information and cannot be used to gather such information, may also be provided to third parties.
(b) Use of Cookies.
The Michigan Farm Bureau Family of Companies, or its third-party service providers, may collect non-identifiable and personal information through the use of various technologies, including "cookies". A cookie is an alphanumeric identifier that a website can transfer to customer's hard drive through customer's browser. The cookie is then stored on customer's computer as an anonymous tag that identifies the customer's computer, but not the customer. Cookies may be sent by The Michigan Farm Bureau Family of Companies or its third-party vendors. Customer can set its browser to notify customer before a cookie is received, giving an opportunity to decide whether to accept the cookie. Customer may also set its browser to turn off cookies; however, some websites may not then work properly.
(c) Use of Web Beacon Technologies.
The Michigan Farm Bureau Family of Companies may also use Web beacon or other technologies to better tailor its website(s) to provide better customer service. If these technologies are in use, when a visitor accesses these pages of the website, a non-identifiable notice of that visit is generated which may be processed by The Michigan Farm Bureau Family of Companies or by its suppliers. Web beacons usually work in conjunction with cookies. If customer does not want cookie information to be associated with customer's visits to these pages, customer can set its browser to turn off cookies; however, Web beacon and other technologies will still detect visits to these pages, but the notices they generate cannot be associated with other non-identifiable cookie information and are disregarded.
(d) Collection of Non-Identifiable Information.
The Michigan Farm Bureau Family of Companies may collect non-identifiable information from user visits to the Michigan Farm Bureau Family of Companies website(s) in order to provide better customer service. Examples of such collecting include: traffic analysis, such as tracking of the domains from which users visit, or tracking numbers of visitors; measuring visitor activity on The Michigan Farm Bureau Family of Companies website(s); website and system administration; user analysis; and business decision making. Such information is sometimes known as "clickstream data." The Michigan Farm Bureau Family of Companies or its contractors may use this data to analyze trends and statistics.
(e) Collection of Personal Information.
The Michigan Farm Bureau Family of Companies collects personal identifying information from customer during a transaction. The Michigan Farm Bureau Family of Companies may extract some personally identifying information about that transaction in a non-identifiable format and combine it with other non-identifiable information, such as clickstream data. This information is used and analyzed only at an aggregate level (not at an individual level) to help The Michigan Farm Bureau Family of Companies understand trends and patterns. This information is not reviewed at an individual level.
(f) Information from Children.
The Children’s Online Privacy and Protection Act (COPPA) regulates online collection of information from persons under the age of 13. The Michigan Farm Bureau Family of Companies does not sell products or services for purchase by children and will not collect or post information from a child under the age of 18 without the involvement of a parent or guardian. The Michigan Farm Bureau Family of Companies does not use personally identifying information collected from children for marketing or promotional purposes and does not disclose such information to any third party for any purpose whatsoever.
Sharing Information Within the Michigan Farm Bureau Family of Companies
The following organizations are also affiliates of the Michigan Farm Bureau Family of Companies: Great Lakes Ag Labor Services, LLC and Gravity Works Design LLC. We may disclose all of the information that we collect, as described above, with these affiliates, as well as each other, as permitted by law. We may also disclose your information to Farm Bureau Insurance agents doing business for the Michigan Farm Bureau Family of Companies. This disclosure is to offer you products or services that we believe may be of interest to you, or to process certain transactions. We will obtain your permission prior to doing this, when required by law.
Information We Disclose Outside the Michigan Farm Bureau Family of Companies
We do not disclose any nonpublic personal information about our members, former members, customers or former customers to anyone, except with your consent, for external processing, or as permitted or required by law. For example, we may disclose information to consumer reporting agencies, to prevent misrepresentation or fraud, to trusted businesses or persons to process your information based on our instructions and in compliance with our privacy policies and standards, or in response to a subpoena or other legal requirement.
We may also provide information including coverage and premium information to mortgage companies or other persons who have a legal or beneficial interest relating to your policy.
The Michigan Farm Bureau Family of Companies employs or engages other companies and individuals, known as third-party service providers, to perform business functions on our behalf. These persons are provided with personal identifying information required to perform their functions but are prohibited by contract from using the information for other purposes.
We do not sell your information to third parties, nor do we allow third parties with whom we share your information to sell it.
How We Protect Your Information
We restrict access to nonpublic personal information about you to persons who need to know that information, so we may provide our products or services to you. We maintain physical, procedural, and electronic safeguards that comply with government regulations and established security standards to guard your nonpublic personal information.
Heightened Security to Keep Your Information Safe
The Michigan Farm Bureau Family of Companies is committed to protecting you and the information we have stored about you. Your login now requires a multi-factor authentication (MFA) to strengthen access security. To provide this additional layer of protection, the Michigan Farm Bureau Family of Companies has partnered with PingID, a cloud-based, multi-factor authentication (MFA) solution. You can rest assured that your information is safe. With PingID, we’ve increased our security without sacrificing your experience as a valued member/insured.
Changes
This Privacy Notice may be updated and revised from time to time. We will notify our customers of any material changes to this Privacy Notice regarding use and disclosure of nonpublic personal information, in accordance with applicable law. Other changes may be made at any time and without prior notice. Please check this Privacy Notice regularly for changes. Your continued use of our services and products, including our website, after changes are posted constitutes your acceptance of any such changes.
Links to Other Web Sites
A Michigan Farm Bureau Family of Companies website may contain links to other websites. The Michigan Farm Bureau Family of Companies is not responsible for the privacy practices or the content of those other websites.
If You Have Questions
We are committed to protecting your privacy. If you have any questions regarding the information contained in this Privacy Notice, please contact us at: 1-800-535-2335. Our offices are located at: located at 7373 W. Saginaw Hwy., Lansing, MI 48917 (517) 323-7000.