GLBA Notice

Last Updated: June 22nd, 2022

WHAT DOES Young Alfred Inc., a/k/a Credible Insurance, Inc.

DO WITH YOUR PERSONAL INFORMATION?

Why?Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?The types of personal information we collect and share depend on the product or service you have with us. This information can include:
  • Social Security Number and Employment Information
  • Credit History and Credit Scores
  • Credit-Based Insurance Scores and Insurance Claim History
How?All financial companies need to share Customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their Customers’ personal information; the reasons Young Alfred Inc., a/k/a Credible Insurance, Inc. chooses to share; and whether you can limit this sharing.
Reasons we can share your personal informationDoes Young Alfred Inc., a/k/a Credible Insurance, Inc. share?Can you limit this sharing?
For our everyday business purposes — such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureausYesNo
For our marketing purposes — to offer our products and services to youYesNo
For joint marketing with other financial companiesYesNo
For our affiliates’ everyday business purposes — information about your transactions and experiencesYesNo
For our affiliates’ everyday business purposes — information about your creditworthinessNoYes
For our affiliates to market to youYesYes
For nonaffiliates to market to youYesYes
To limit our sharingPlease note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.
Questions?Call 855-498-2266 or go to www.credible.com/insurance or email us at insurance@credible.com
Who we are
Who is providing this notice?Young Alfred Inc., a/k/a Credible Insurance, Inc.
What we do
How does Young Alfred Inc., a/k/a Credible Insurance, Inc. protect my personal information?To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does Young Alfred Inc., a/k/a Credible Insurance, Inc. collect my personal information?We collect your personal information, for example, when you
  • Apply for Insurance or
  • Pay insurance premiums or
  • File an insurance claim or
  • Give us your income information or
  • Give us your contact information
  • We also collect your personal information from other companies
Why can’t I limit all sharing?Federal law gives you the right to limit only
  • sharing for affiliates’ everyday business purposes — information about your creditworthiness
  • affiliates from using your information to market to you
  • sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing.
What happens when I limit sharing for an account I hold jointly with someone else?Your choices will apply to everyone on your account – unless you tell us otherwise
Definitions
AffiliatesCompanies related by common ownership or control. They can be financial and nonfinancial companies.
  • Credible Labs Inc., Credible Operations, Inc., The Fox Family of Companies (including Fox Corporation)
NonaffiliatesCompanies not related by common ownership or control. They can be financial and nonfinancial companies.
  • Non-affiliated companies include insurance carriers, financial services companies like lenders, service providers, direct marketing companies, and certain marketing partners.
Joint marketingA formal agreement between nonaffiliated financial companies that together market financial products or services to you.
  • Our joint marketing partners include consumer financial lending institutions
Other important information

Notice to Vermont and North Dakota Residents

We will not disclose information about your credit worthiness to our affiliates and will not disclose your personal information, financial information, credit report, or health information to non-affiliated third parties to market to you, other than as permitted by state law, unless you authorize us to make those disclosures.

For CA residents: We will not share personal information we collect about you with nonaffiliated third parties, except as permitted by law, including, for example, with your consent, or to service your account. We may share your personal information with Affiliates, as defined above, and you may limit our sharing by contacting us as set forth above.

Further, pursuant to California Insurance Code § 791.04, we are notifying you that we may collect personal information from you as well as other sources. In addition, such information, as well as other personal information may be disclosed to third parties without authorization (as outlined above). You have a right of access and correction with respect to all personal information collected by us. To exercise these rights, please reach out to us at the email address listed in this notice. For more information about how we use your information, please review our privacy policy at www.credible.com/insurance/privacy-policy.