COGO Insurance - Trucking Liability

Effective date: March 5, 2025

PURPOSE OF THIS NOTICE

At Cogo Insurance Inc., we respect your privacy and are committed to protecting your nonpublic personal information. Title V of the Gramm-Leach-Bliley Act (GLBA) requires financial institutions, including insurance agencies, to provide you with this notice outlining our privacy policies and practices, including the types of information we collect and how we may share it.

In compliance with the GLBA, this notice informs you of:

The information we collect,
How we share and protect that information, and
Your right to opt-out of certain information sharing.

1. INFORMATION WE COLLECT

We collect nonpublic personal information about you from the following sources:

Information you provide on applications or other forms (such as name, address, social security number, and financial information).
Information about your transactions with us, our affiliates, or others (such as policy coverage, payment history, and claims history).
Information we receive from consumer reporting agencies (such as creditworthiness and insurance scoring).
Information from insurance scoring, driving records, and other public records as necessary to provide insurance products or quotations.

2. INFORMATION WE MAY DISCLOSE

We may disclose all of the information we collect about you as described above.

A. Nonaffiliated Third Parties with Whom We May Share Information

We may share nonpublic personal information about you with third parties as permitted by law, including:

Financial service providers, such as insurance carriers and reinsurers.
Service providers who assist us with processing transactions, underwriting policies, or handling claims.
Fulfillment service providers, such as mailing and survey companies.
Regulatory agencies and law enforcement when required by law.

B. Your Right to Opt-Out of Certain Disclosures

Under GLBA, you have the right to opt out of our sharing of nonpublic personal information with nonaffiliated third parties, except in cases where sharing is required by law or necessary for business operations.

If you wish to opt out, please contact us at:

Cogo Insurance Inc.
1819 Troy St, Dayton, OH 45404

You may also mail back the opt-out form included at the end of this notice.

3. SHARING INFORMATION WITH AFFILIATES

A. Information We May Share with Our Affiliates

Unless you tell us not to, we may share with our affiliated companies information about you, including:

Data from your insurance application (such as marital status or income).
Consumer report information (such as credit history or credit score).
Employment or credit relationship details.

B. Affiliates Who May Receive This Information

Our affiliated companies may include:

Insurance service providers, underwriters, or brokers.

C. How to Opt Out of Affiliate Sharing

If you prefer that we not share this information with our affiliates, you may direct us not to do so by contacting us or mailing the opt-out form included at the end of this notice.

4. INFORMATION CONFIDENTIALITY AND SECURITY

We maintain strict security protocols to safeguard your nonpublic personal information, including:

Restricting access to employees who need it to provide services to you.
Implementing physical, electronic, and procedural security measures to protect against unauthorized access.

5. DISPUTE RESOLUTION

Any disputes or claims arising out of our privacy policy shall be settled through arbitration in accordance with the rules of the American Arbitration Association.

6. CHANGES TO THIS PRIVACY POLICY

Cogo Insurance Inc. reserves the right to modify this privacy policy at any time. If we make material changes, we will notify you as required by law.

7. CUSTOMER ACKNOWLEDGMENT AND SIGNATURE

By signing below, you acknowledge that you have received and reviewed this Privacy Policy.

Customer Signature: ___________________________________ Date: ________________

Print Name: __________________________________________

Address: _____________________________________________

OPT-OUT FORM

If you wish to exercise your right to opt-out, please complete and return this form:

☐ I do not want Cogo Insurance Inc. to share my nonpublic personal information with nonaffiliated third parties except as permitted by law.

☐ I do not want Cogo Insurance Inc. to share my non-transactional information with affiliates.