Insurance Privacy Notice

Table of Contents

1. Where We Get Personal Information
2. Personal Information We Disclose
3. Disclosure of Personal Information to Third Parties
4. Purposes for Collecting, Using or Disclosing Personal Information
5. How We Protect Your Personal Information
6. Personal Information of Children Under the Age of 16
7. California Residents
8. Cookies and Other Tracking Technologies
9. Sale and Sharing of Personal Information and Right to Opt-Out
10. Do Not Track and Global Privacy Control Signals
11. Contact Us
12. Updates

W Insurance Company (“W Insurance” or “us” or “our”) respects your privacy. This Insurance Privacy Notice (“Notice”) applies to the personal information we collect about current and former customers and individuals who have requested an insurance quote or have applied for an insurance policy from W Insurance. The type of personal information we collect, use and disclose depends on your relationship to W Insurance.

If you are a resident of the State of California, please see our separate Privacy Policy for additional information that may apply to you, depending on your relationship to W Insurance.

1. Where We Get Personal Information

W Insurance may collect personal information from the following sources:

• Your dealings with us in person, over the telephone, or through email, mail or our website. We may collect phone numbers, email addresses, and text message content to verify and authenticate the identity of callers requesting policy changes, claims information, or other policy-related services. Telephone calls to and from W Insurance may be recorded for quality assurance, training, and verification purposes;
• The forms, documents and written communications you or your representatives submit to us;
• Third parties who assist us in the underwriting and administration of insurance policies or the investigation, processing or payment of claims; and
• Government agencies, public records, insurance support organizations and consumer reporting agencies.

2. Personal Information We Disclose

W Insurance may disclose the personal information collected about you as permitted or required by law, or as permitted or directed by you. This may include:

• Personal information about you that you’ve provided or that was received from third parties in connection with an insurance quote or application, underwriting or administration of an insurance policy, a transaction you requested or authorized or the evaluation, investigation or processing of a claim;
• Personal information about your dealings with us, including, but not limited to, information about your policy coverage or claims, premiums, and payment records; and
• Personal information received from consumer reporting agencies or insurance support organization.

We only disclose the personal information of former customers necessary for the following purposes:

• Investigating or processing of ongoing claims;
• Reporting, investigating or preventing actual or potential fraud or material misrepresentation;
• Compiling statistics and analyzing business results, and
• As otherwise permitted by applicable law.

3. Disclosure of Personal Information to Third Parties

W Insurance may disclose personal information to the following categories of nonaffiliated third parties:

• Third parties who perform a business, professional or other insurance function for W Insurance. These third parties may include, but are not limited to, claims management companies, claims adjusters, repair shops, roadside assistance providers, third parties who assist in determining an individual’s eligibility for an insurance policy, policy benefit or payment or third parties who assist in detecting or preventing criminal activity, fraud, material misrepresentation or material nondisclosure in connection with an insurance transaction;
• Other insurance companies involved in the underwriting or claims process or other insurance transaction;
• Medical care institutions or medical professionals as necessary to verify coverage or benefits;
• Insurance support organizations, insurance rate advisory organizations and regulatory authorities;
• Law enforcement or other governmental authority as permitted by applicable law;
• Third parties for the purposes of conducting actuarial or research studies;
• Third parties for the purposes of assisting W Insurance in the development or marketing of property and casualty insurance products and services to better meet our customers’ needs;
• Other insureds, claimants or their legal representatives when the information disclosed is from certain accident reports, supplemental reports and investigative reports, or in connection with pending litigation;
• Consumer reporting agencies in accordance with the Fair Credit Reporting Act;
• Third parties for the purpose of assessing W Insurance's compliance with regulations or industry standards, and to W Insurance's attorneys, accountants, and auditors; and
• Other third parties as permitted by law.

We may disclose personal information to affiliates of W Insurance as permitted by law.

4. Purposes for Collecting, Using or Disclosing Personal Information

W Insurance may collect, use or disclose personal information for one or more of the following purposes:

• Establish and maintain communication with you about your insurance policy or an insurance transaction;
• Service your accounts, provide customer service, process or fulfil orders and transactions and verify customer information;
• Offer or provide information and notices about products or services purchased by you or available to you;
• Improve our website and the content and features available to you, and to undertake internal research for other technological improvements;
• Debug and to identify and repair errors that impair existing intended functionality on the W Insurance website;
• Determine eligibility for an insurance benefit or payment;
• Investigate, evaluate and pay claims;
• Assist a third party in the performance of a business, professional or other insurance function on our behalf;
• Provide information regarding the status of an insurance transaction to any lienholder, lessor or other third party identified as having a legal or beneficial interest in a policy;
• Detect or prevent actual or potential fraud, identity theft, unauthorized transactions or claims, material misrepresentation or material non-disclosure in connection with an insurance transaction;
• Security or prevention, detection or investigation of malicious, deceptive, fraudulent, or illegal activity or other misconduct, and prosecute those responsible for that activity;
• Conduct actuarial or business analysis or to conduct an audit of our operations;
• Respond to law enforcement requests and as required by applicable law, court order, or governmental regulations;
• Carry out our obligations and enforce our rights arising from insurance policies issued by us;
• Evaluate or conduct a merger, divestiture, acquisition, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by us is among the assets transferred;
• Comply with Federal, State, or local laws, rules, and other applicable legal requirements; to comply with a properly authorized civil, criminal, or regulatory investigation or subpoena or summons by Federal, State, or local authorities; or to respond to judicial process or government regulatory authorities for examination, compliance, or other purposes as authorized by law;
• Share with our attorneys, accountants and auditors who provide a professional service to W Insurance; and
• Establish or defend legal claims and allegations.

5. How We Protect Your Personal Information

We maintain physical, electronic and organizational safeguards to protect your personal information and we monitor our safeguards regularly. We revise our process and procedures when needed to meet new concerns.

6. Personal Information of Children Under the Age of 16

As a provider of insurance products, W Insurance does not seek to, nor do we knowingly collect, personal information from children under the age of 16. We do not sell personal information about consumers under 16 years of age. We do not have actual knowledge of sharing personal information for cross-contextual behavioral advertising purposes for consumers under 16 years of age, although consumers under 16 who use our website could have their personal information shared for cross-contextual behavioral advertising purposes through tracking technologies described in Section 8.

7. California Residents

If you’re a resident of the State of California, you have the right to request access to your recorded personal information which is reasonably locatable and retrievable by sending a written request to W Insurance at the mailing address or email address listed in the Contact Information section below. You must provide proper identification with your written request. Within thirty (30) business days of receiving your request and verifying your identity, W Insurance will inform you of the nature and substance of the personal information maintained by W Insurance, permit you to see a copy of such personal information, or to obtain a copy of the personal information at a reasonable fee to cover the cost of providing such information. You may also request to have any inaccurate personal information corrected, or to have your personal information deleted. Within thirty (30) business days of receiving your written request and verifying your identity, W Insurance will notify you of the corrections or deletions or will provide you with a written notice of refusal and advise you of your rights to appeal such determination, in accordance with applicable law. In addition to the rights described above regarding your insurance-related personal information, the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA), provides California residents with additional rights regarding personal information that is not exempt under the GLBA or FCRA. This includes personal information collected through your interactions with our website and marketing communications. For a full description of these rights, please see our Privacy Policy.

Your rights regarding access to or deletion to recorded personal information apply to the information collected and maintained in connection with insurance transactions. These rights do not extend to information collected in connection with or in reasonable anticipation of a claim or civil or criminal proceeding.

8. Cookies and Other Tracking Technologies

When you visit our website, we and our third-party partners (such as advertising and analytics providers) use cookies, web beacons, pixels, internet tags, and other similar tracking technologies (collectively, "tracking technologies") to gather information about you and your use of our website and email communications. Some tracking technologies help us maintain the security of our website and your account, prevent crashes, fix bugs, note your preferences, and assist with basic site functions. Other tracking technologies provide us with information regarding how visitors interact with our website. Such technologies allow us to understand, for example, how many visitors come to our website, the frequency of such visits, and the number of times a user views a specific page. We use Adobe Analytics for website analytics purposes. Adobe Analytics data is used for website analytics only and is not used for cross-contextual behavioral advertising. To learn more about Adobe Analytics privacy practices or to opt out of cookies set to facilitate reporting, visit the Adobe Privacy Center at www.adobe.com/privacy.html. We may permit third parties to use tracking technologies on our website for analytics and advertising, including helping to manage and display advertisements and to tailor advertisements to your interests. These third parties use their technology to provide advertising about products and services tailored to your interests which may appear either on our website or on other websites. We use the Google Marketing Platform and its service partners to deliver and measure online advertising. Google and its service partners may collect information about your use of our website, including device identifiers, IP address, and browsing activity, and may use this information for cross-contextual behavioral advertising purposes. This use constitutes "sharing" of personal information under the CCPA. For more information about how Google may use your data, click here: “How Google Uses Data When You Use Our Partners’ sites or apps”.

We may also use other advertising and analytics service providers from time to time. When we do, the privacy practices of those providers will be governed by their own privacy policies.

If you wish to restrict or block cookies set on our website, you can do this through your computer or device's browser settings. Restricting cookies may limit your ability to use some features on the website.

We may use the following types of tracking technologies on our website:

If you wish to restrict or block the cookies set by W Insurance on our website, you can do this through your computer or device’s browser settings. However, this may limit your ability to take advantage of some features on the website.

9. Sale and Sharing of Personal Information and Right to Opt-Out

You may opt-out of being tracked by third party tracking technologies for cross-context behavioral advertising purposes on our website by:

1. Click here to set your cookie preferences; or
2. Broadcasting the Global Privacy Control (GPC) for those browsers and browser extensions that support such a signal. This is an opt-out at the browser and device level. For example, if you turn on GPC on your iPad or laptop, you have opted out for information while this device, but not if you visit our website on your mobile phone. You will need to turn on GPC for each device. Click here to learn how to turn on GPC. If you turn on GPC, your opt-out of sharing is accepted automatically.

Your request to opt-out of sale/sharing will be linked to your browser identifier only specific to the device you are currently using.

If you would like to completely opt-out of cross-context behavior advertising, you will need to proceed with a request to opt-out through our CCPA Application that requires authentication. Click here to make a request.

10. Do Not Track and Global Privacy Control Signals

Certain web browsers may provide a do-not-track (“DNT”) option. You may be able to ask your browser to inform websites that you do not wish your activities to be tracked, either with cookies or other persistent identifiers, commonly called “DNT signals.” The W Insurance website currently does not respond to DNT signals. Global Privacy Control Signal. The Global Privacy Control ("GPC") is a browser-based signal that communicates a consumer's preference to opt -out of the sale or sharing of personal information for cross-contextual behavioral advertising purposes. The W Insurance website recognizes and honors the GPC signals received from your browser as a valid request to opt out of the sharing of your personal information under the CCPA. If you turn on GPC, your opt-out of sharing is accepted automatically. This is an opt-out at the browser and device level. For example, if you turn on GPC on one device, you have opted out for that device, but not if you visit our website on a different device. You will need to turn on GPC for each device. To learn how to enable GPC, visit globalprivacycontrol.org.

11. Contact Us

For questions, comments or concerns regarding this Notice or our privacy practices, please contact us at:

By Phone:
800-640-2920

By E-Mail:
legal@w-insurance.com

12. Updates

We will review and update this Notice as necessary from time to time, at least on an annual basis. When we do, we will note the date that any changes are made and/or when they become effective at the bottom of the Notice. If the changes being made are material, we may alert you to the changes in a more prominent way.

The Effective Date and date of the last update of this Notice is August 10, 2026.

Related Links

• Privacy Policy
• Terms of Use