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Privacy Practice

What We Do To Protect Your Privacy

What We Do To Protect Your Privacy

At Auto-Owners Insurance GroupSM*, we value your business and we want to retain your trust. In the course of providing products and services, we may obtain nonpublic personal information about you. State and Federal laws prohibit unauthorized disclosure of nonpublic personal information. We assure you that such information is used only for the purpose of providing our products and services to you.

Information We Obtain

To assist in underwriting and servicing your policy, we may obtain nonpublic personal information about you. For example, we routinely obtain information through applications, forms related to our products or services, and your transactions with us. We may obtain such information from our affiliates, third parties or consumer reporting agencies. The information may include your name, address, telephone number and payment, credit and claim information. In addition, for life, annuity and disability products, we may obtain your medical history with your permission. The nature and extent of the information we obtain varies based on the nature of the products and services you receive.

Limited Disclosure

Auto-Owners Insurance Group Companies do not disclose any nonpublic personal information about their customers or former customers except as permitted by law.

Protecting Confidentiality

Our agents and Company associates may have access to nonpublic personal information only for the purpose of providing our products or services to you. We maintain physical, electronic and procedural safeguards against unauthorized use of your nonpublic personal information.

Auto-Owners Group Legal Text

Social Media Disclaimer

Social Media Disclaimer
This disclaimer applies to Auto-Owners Insurance Company’s social media presence on the internet. For your security, please do not post or direct message any personal information such as account or policy number, claim number, phone number, personal email address, financial information or any unique identifying information in any online social media site. We cannot answer policy or service-related questions on social media networks. By using Auto-Owners’ websites or web-based services, you agree to the following guidelines and terms. Your continued access or use of the websites or web-based services shall be deemed your acceptance of this legal disclaimer.
Commenting Guidelines

The purpose of Auto-Owners’ social media presence is to share information and ideas that we deem interesting, educational and thought-provoking. Any comments by any entity other than Auto-Owners are public opinions and do not necessarily reflect the position or opinion of our Company. We reserve the right to block any commenter and remove any posts that we deem to be inappropriate, offensive or an infringement upon another’s rights or in violation of any laws at any time.

Your positive contribution to our online discussions is welcome, we simply ask the following:

  • Do not post or transmit any unlawful, threatening, abusive, libelous, defamatory, racist, obscene, vulgar, pornographic, profane or indecent information. This includes, without limitation, any transmissions that are or that encourage illegal conduct. This ban includes anything that would constitute a criminal offense, give rise to civil liability or otherwise violate any local, state, national or international law.
  • Never post or transmit comments containing harassing or offensive language, using sexual references, sexual nicknames, racial slurs or rude or deliberately offensive comments.
  • Do not engage in disruptive activity online, including excessive use of scripts, sound waves or scrolling (repeating the same message over and over).
  • Do not post materials that are confidential, proprietary, false, fraudulent, libelous, invasive of privacy or publicity rights, infringing on intellectual property rights, illegal or otherwise objectionable. Do not attach copyrighted or other protected materials unless you own or control rights to those materials.
  • Do not post or submit any third party materials unless you have first obtained consent from the owner of such materials. By posting and/or submitting material or links to this Site, you represent that you have the right to share the material in your submitted content, including (without limitation), intellectual property including, but not limited to trade-marks and copyrighted material. For example:
    • You must obtain consent from every person who helped you create your posted materials (e.g. photographers, videographers, etc…);
    • You must obtain consent from every identifiable person (and his/her parent/legal guardian if he/she is under the age of majority in their jurisdiction of residence) who appears in your posted materials (note: if you cannot obtain the appropriate consent for an identifiable individual appearing in your posted materials, then his/her face must be blurred out);
    • You cannot post, submit or otherwise use (in any materials you post) any music, logos, trade-marks or other copyrighted materials (e.g. photographs, pictures, texts, lyrics, etc…) unless you have first obtained consent from the owner of such materials.
  • Do not post or transmit any information, software or other material that contains a virus, worm, Trojan horse or other code that has contaminating or destructive properties.
  • Do not post any information, software or other material for commercial purposes.
  • Do not solicit other users to join or contribute money to any online service or other organization, or advocate or attempt to persuade users to join in legal or illegal schemes.
  • Never pretend to be any other person or entity. Site users also may not falsely represent their professional or other affiliation with any person or entity.
  • Do not use the site to collect personally identifiable information.
  • Avoid discussing specific insurance or investment products, investment advice, trading strategies or agents.

Social Media Site Content

Social Media Site Content

The information provided via Auto-Owners’ social media profiles, pages or channels, is not intended to provide legal, investment or tax advice. If legal advice or other professional assistance is required, the services of a competent advisor should be sought.

All content on our social media profiles, pages or channels, is the exclusive property of and owned by Auto-Owners and is protected by copyright, trademark and other applicable laws. You may access, copy, download and print materials from our social media profiles, pages or channels, for your personal and non-commercial use. Any other use of content on these outlets is expressly prohibited. This includes, but is not limited to modification, distribution, transmission, performance, broadcast, publication, uploading, licensing transfer or sale of, or the creation of derivative works from materials published on these outlets.

Information posted on a Site is in the public domain. If you post information in a Site, you do so at your own risk. You are solely responsible for the content that you post. By posting content on a Site, you warrant that you have permission to post the content on the Site. You also understand that any information or material that you post is public information, and that you have no expectation of privacy when you submit information or materials to a Site.

By submitting items to our social media profiles, pages or channels, you are granting Auto-Owners the unrestricted, nonexclusive, royalty-free, perpetual, irrevocable and fully sublicensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute and display said material.

If you are an Auto-Owners associate, remember that all company policies apply to your postings here. All users of our social media sites must comply with each social media providers Terms of Use in addition to the guidelines set forth herein.

Third Party Sites

While Auto-Owners has a presence on social media sites, these sites are hosted by third party entities that have their own privacy policies, security policies and terms of use. These social media sites are not affiliated with Auto-Owners. We do not review, control or endorse any advertising, messages, content or links published by these third parties. These sites may contain links to other web sites that we have not reviewed and/or endorsed. You assume accountability and risk of usage by clicking on these external links. Additionally, Auto-Owners may occasionally provide links to third party content on our profiles, pages or channels, that we feel may interest our followers, however, we are not responsible for the accuracy of the content or any changes or updates made to these third party sites. Inclusion of these links on any Site does not imply endorsement, recommendation or sponsorship for any linked web site or the services, products or advice described on the site.

General Disclaimer

All material including any link to other sites and content found at linked sites is provided "as is" and without any express or implied warranties including warranties of merchantability or fitness for a particular purpose. Due to the nature of the Internet, Auto-Owners does not warrant that access to the Service will be uninterrupted or error free. Auto-Owners does not warrant or make any representations regarding the usefulness of or the expected results of the material contained on the Service. Note that some jurisdictions may not allow the exclusion of implied warranties so some of the above exclusions may not apply to you. Please check your local laws for any such restrictions.

Viruses, Worms, Use of Files

Auto-Owners cannot and does not guarantee or warrant that files available for downloading from linked sites are free of viruses, worms, Trojan horses or other code that has contaminating or destructive properties. Auto-Owners does not make any express or implied warranties, representations or endorsements whatsoever (including without limitation warranties of title, noninfringement or fitness for a particular purpose) with respect to the files available for downloading from linked sites. In no event will Auto-Owners be liable to you or to anyone else for any decision made or action taken by you or anyone else in reliance on results obtained from use of files downloaded from any linked site. These files may be downloaded and/or reprinted for personal use only. Permission to reprint or electronically reproduce any document or graphic in whole or in part for any reason except for personal use is expressly prohibited, unless prior written consent is obtained from the appropriate copyright holder.

Terms and Conditions

Auto-Owners reserves the right to modify content of its social media profiles, pages or channels, at any time, without notice. Auto-Owners may also change its Social Media Disclaimer from time to time; when changes are made, the version date will also be updated to reflect that a revision occurred. We encourage you to periodically reread this Disclaimer to see if there have been any changes that may affect you.