Snapshot Privacy Statement | Progressive
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` Privacy Statement
`Snapshot
`At Progressive, we're committed to protecting your privacy and earning your trust. We understand that you value your privacy, and that
`you may have concerns about how we use the data collected through Snapshot test drive and Snapshot programs. That's why in
`addition to our commitment to you in our Privacy Policy, we want to clearly explain how Snapshot works, describe the data we collect,
`and what we will and won't do with the data.
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`Your Driving Story
`Snapshot is our exclusive program that allows you to get a personalized car insurance rate based on how you drive. While we still take
`into account traditional factors in providing your quote or determining your rate, like the type of vehicle you drive and previous accidents
`or traffic violations, Snapshot also considers your actual driving behavior.
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`We offer Snapshot because it allows you to tell us your driving story and allows us to give you an accurate insurance quote or rate
`using the latest technology. Knowing more about your actual driving behavior allows us to more accurately predict whether you'll have
`an accident, which is better for us, and helps you to control your insurance premium, which is better for you.
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`Data We Collect
`The Snapshot device records vehicle speed and time of day, and when the device is connected and disconnected from the vehicle. It
`also records the Vehicle Identification Number upon installation. Other information, such as miles driven and rates of acceleration and
`braking, is derived from the speed and time information recorded by the device.
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`Data We Don't Collect
`Snapshot focuses on how safely, how often, how far, and when you drive, NOT where you drive. The Snapshot device does not contain
`GPS technology and does not track vehicle location or whether you're exceeding the speed limit. We also don't know who is driving the
`car in which the device is installed.
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`How We Use the Data
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`Snapshot data is:
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`transactional information used to calculate your Snapshot score, which, along with other traditional rating factors, is used to determine your insurance quote or
`the rate you will pay when your policy renews. So how safely, how often, how far, and when you drive will help you control your insurance quote or rate,
`respectively.
`encrypted when transmitted from the Snapshot device to our servers. Once in our servers, we limit access to the data and use physical, electronic, and
`procedural safeguards to help protect it and your privacy.
`Once Snapshot data is sent to us, it's erased from the device.
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`How We Won't Use the Data
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`We will not sell personally identifiable Snapshot data to any third parties.
`We will not use Snapshot data to resolve an insurance claim you have with us without first obtaining permission from you or the vehicle owner.
`When We May Disclose the Data to Others
`We will not share Snapshot data with any third parties unless it's necessary or appropriate to service your insurance policy, prevent
`fraud, perform research, or comply with the law. For example, Snapshot data may be disclosed:
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`when we're legally required to provide Snapshot data, such as in response to a subpoena in a civil lawsuit or by police when investigating the cause of an
`accident;
`when we're required to provide Snapshot data to a state department of insurance to support renewal rates;
`to service providers who are contractually required to maintain its confidentiality; and/or
`as otherwise required by law.
`How Long We Keep the Data
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`http://www.progressive.com/auto/snapshot-privacy-statement/[8/6/2013 9:34:54 AM]
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`Liberty Mutual Exhibit 1021
`Liberty Mutual v. Progressive
`CBM2012-00004
`Page 00001
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`Snapshot Privacy Statement | Progressive
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`To meet our legal obligations to state departments of insurance, we retain information collected or derived from the device for the time
`we determine is required by law; after which we will de-personalize the data and keep it indefinitely. De-personalizing the data means
`that we remove personally identifiable information so that the data cannot be associated with a particular driver or policyholder.
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`How You Can Track Your Data
`If you are a Progressive policyholder, you'll be able to review reports on your driving habits produced from Snapshot data by logging in
`to your policy on www.progressive.com or www.progressiveagent.com.
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`Snapshot Test Drive
`Snapshot test drive is a trial of our Snapshot program. It allows people who aren't Progressive policyholders to find out whether
`Snapshot could save them money before having to buy a Progressive policy. This Privacy Statement applies to people who participate
`in Snapshot test drive as well as those in the Snapshot program.
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`It's Completely Voluntary
`We hope this helps you better understand Snapshot. Remember, participation in Snapshot is completely voluntary and you may choose
`to stop at any time.
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`Let us know if you have any questions or comments about Snapshot.
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