This California Consumer Privacy Act (the "CCPA") Privacy Notice supplements the information contained in the Important Notice of Privacy Policy and Information Practices of American National Insurance Company and its affiliates, including American National Life Insurance Company of Texas, Garden State Life Insurance Company, Standard Life and Accident Insurance Company, American National Property And Casualty Company, American National General Insurance Company, American National Lloyds Insurance Company, ANPAC Louisiana Insurance Company, and Pacific Property And Casualty Company (collectively, the "Company", "we", "us", or "our"). We adopt this notice to comply with the California Consumer Privacy Act of 2018 ("CCPA"), and it applies solely to persons who reside in the State of California ("consumers" or "you").
Information We Collect
We collect 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 household ("personal information"). In particular, we have collected the categories and specific pieces of personal information about consumers outlined below (some categories overlap).
We obtain the categories of personal information listed above from one or more of the following categories of sources:
We may use or disclose the personal information we collect for one or more of the following business purposes:
We disclose personal information for a business purpose to the following categories of third parties:
We will not collect additional categories of personal information or use the personal information collected for materially different, unrelated, or incompatible purposes without providing notice.
In the preceding twelve (12) months, we have not sold any personal information.
The CCPA provides specific rights to California residents regarding their personal information. This section describes your CCPA rights and explains how to exercise those rights.
Access to Specific Information through Verifiable Consumer Request ("Right to Know")
Subject to exceptions below, you have the right to request that we disclose certain information to you about our collection and use of your personal information. Once we process your verifiable consumer request, we will disclose to you:
Deletion Request Rights through Verifiable Consumer Request ("Right to Delete")
Subject to exceptions below, you also have the right to request that we delete any of your personal information that we have collected and retained. Once we process your verifiable consumer request, 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, among other reasons, retaining the information is necessary for us, or our service providers, 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, may make a verifiable consumer request related to your personal information. A parent or guardian must make a verifiable consumer request on behalf of a minor child (less than 13 years old).
You may only make a verifiable consumer request for access twice within a 12-month period. The verifiable consumer request must include sufficient information to reasonably verify you are the person about whom we collected personal information, or an authorized agent, and describe your request with sufficient detail to allow us to properly respond to it. Specifically, we will ask you to submit personal information, such as your email address, telephone number, mailing address, date of birth, last four digits of your social security number, policy type, policy number, and claim number, that we will compare and match to our records. You will need to confirm an online request to delete personal information by clicking "confirm request" during the request submission process before we can move forward with deleting any personal information. We cannot respond to your request if we cannot verify your identity or authority to make the request.
Response Timing and Format
We will endeavor to respond to a verifiable consumer request within 45 days of its receipt. If we require more time (up to 90 days), we will inform you of the reason and extension period in writing. The response will also explain the reasons why we need additional time, if applicable. 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 is excessive, repetitive, or manifestly unfounded, we may charge a reasonable fee, or refuse to act on the request and notify you of the reason for refusing the request.
Non-Discrimination
We will not discriminate against you for exercising any of your CCPA rights.
The CCPA contains certain exceptions. For example, privacy rights established under the CCPA (including the right to know and right to delete) do not apply to personal information collected or disclosed pursuant to the Gramm-Leach-Bliley Act (GLBA), the Health Information Portability and Accountability Act (HIPAA), and the Fair Credit Reporting Act (FCRA). Such personal information may include, but is not limited to:
Please refer to the Company’s Important Notice of Privacy Policy and Information Practices and/or Notice of HIPAA Privacy Practices for more information regarding our privacy practices under GLBA and/or HIPAA.
We reserve the right to amend this CCPA Privacy Notice at any time. We will post the updated notice on our website at: https://www.americannational.com/wps/portal/an/home/legal/ccpa and any changes will become effective upon the posting of the updated CCPA Privacy Notice on the website.
If you have any questions or comments about this CCPA Privacy Notice, the ways in which we collect and use your personal information, your choices and rights regarding such use, or wish to exercise your rights under the CCPA, please do not hesitate to contact us at (877) 327-6329 and ask to speak to a representative.
