West Bend Insurance Company, its affiliates, and its subsidiary providers of property and casualty insurance (“West Bend,” “we,” “our,” or “us”), understands how important your privacy is and wants you to understand how we use your information. This Online Privacy Policy (“Policy”) applies to any information collected, used, and disclosed by West Bend offline and through our website, thesilverlining.com, our West Bend mobile application, and any other website or application we may post this Policy to or that links to this Policy (collectively the “Site”). This Policy will let you know what kind of information we collect on our Site and offline, how we collect that information, and what we do with it. If this Policy or the corresponding Terms of Use are not consistent with your values or are not acceptable to you, we kindly ask that you do not use the Site. While this Policy describes how we treat personal information, please be aware that additional terms and conditions may apply for certain parts of our Site.
This Policy does not replace other applicable policies, practices, and privacy notices that may relate to specific business relationships you have with West Bend, including our Privacy Statement. Depending on your relationship with us, one or more of our privacy documents may apply to you, in addition to this Policy. Our Privacy Statement governs how we collect, use, and disclose personal information related to our insurance products. In the event of a conflict between this Policy and our Privacy Statement, if applicable, the Privacy Statement shall govern.
We may collect personal information about you when contact us or use the Site. In the past twelve (12) months, we have collected the following categories of personal information:
From time to time, we receive information about individuals from our third party service providers, affiliates, agents, social media services, and partners. For example, we may receive information through email campaigns with our third party service providers, including whether you have read an email sent by us or on our behalf, forwarded an email, and when and how many times you have opened an email. We may also receive information from third party analytics on the Site that allow us to improve our Site and services. If you apply for employment with West Bend, your employment application information will be collected by our third-party service provider and shared with West Bend.
West Bend and its third party business partners or providers may use a variety of technologies that collect information automatically, including cookies, web beacons, flash cookies, and logging. For example, we may use Google Analytics to help us understand how our customers interact with the Site—you can read more about how Google uses your information here: https://policies.google.com/privacy. You can also opt‑out of Google Analytics here: https://tools.google.com/dlpage/gaoptout. The following may help you better understand cookies and web beacons:
We know your personal information is important to you. As a result, we want you to know how we may use it. We use information for the following purposes:
We may also use information we collect automatically that is otherwise de-identified, aggregated, or anonymous for any purpose.
We will disclose your personal information to any other person as specified at the point of collection and as otherwise set out in this Policy. We may also disclose your personal information as you direct us to or where you have consented to such disclosure. We may also share your personal information to comply with any court order or legal obligation, including responding to any lawful government or regulatory request, or if we believe disclosure is necessary to enforce or protect our rights, property, or safety, or that of our users or third parties. We may disclose, and have disclosed in the past 12 months, personal information to the following third parties:
| Category of Information Disclosed | Third Party Disclosures |
| Identifiers | With our affiliates, independent brokers, and insurance agents; with our subcontractors, service providers, and other third parties we use to support our business; to a buyer or other successor in the event of or during a merger, divestiture, restructuring, dissolution, or other sale or transfer of some or all of our assets or equity, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information is among the assets transferred. |
| Account Information | With our affiliates, independent brokers, and insurance agents; with our subcontractors, service providers, and other third parties we use to support our business; to a buyer or other successor in the event of or during a merger, divestiture, restructuring, dissolution, or other sale or transfer of some or all of our assets or equity, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information is among the assets transferred. |
| Communications | With our affiliates, independent brokers, and insurance agents; with our subcontractors, service providers, and other third parties we use to support our business; to a buyer or other successor in the event of or during a merger, divestiture, restructuring, dissolution, or other sale or transfer of some or all of our assets or equity, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information is among the assets transferred. |
| Financial Information | With our affiliates, independent brokers, and insurance agents; with our subcontractors, service providers, and other third parties we use to support our business; to a buyer or other successor in the event of or during a merger, divestiture, restructuring, dissolution, or other sale or transfer of some or all of our assets or equity, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information is among the assets transferred. |
| Geographic Information | With our affiliates, independent brokers, and insurance agents; with our subcontractors, service providers, and other third parties we use to support our business; to a buyer or other successor in the event of or during a merger, divestiture, restructuring, dissolution, or other sale or transfer of some or all of our assets or equity, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information is among the assets transferred. |
| Demographic Information | With our affiliates, independent brokers, and insurance agents; with our subcontractors, service providers, and other third parties we use to support our business; to a buyer or other successor in the event of or during a merger, divestiture, restructuring, dissolution, or other sale or transfer of some or all of our assets or equity, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information is among the assets transferred. |
| Professional and Employment Information | With our affiliates, independent brokers, and insurance agents; with our subcontractors, service providers, and other third parties we use to support our business; to a buyer or other successor in the event of or during a merger, divestiture, restructuring, dissolution, or other sale or transfer of some or all of our assets or equity, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information is among the assets transferred. |
| Internet or Other Similar Network Information | With our affiliates, independent brokers, and insurance agents; with our subcontractors, service providers, and other third parties we use to support our business; to a buyer or other successor in the event of or during a merger, divestiture, restructuring, dissolution, or other sale or transfer of some or all of our assets or equity, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information is among the assets transferred. |
When you interact with our Site, we may use, or authorize third-party partners and service providers to use, cookies, web beacons and similar technologies to improve your experience with us. Our sharing of your personal information in this way may constitute “selling”, “sharing”, or using for “targeted advertising” under applicable U.S. state privacy laws. The term "sale" is broadly defined by the California Consumer Privacy Act and includes sharing personal information for monetary or other valuable consideration.
To the extent this is considered “selling”, “sharing”, or “targeted advertising”, in the preceding 12 months, we have sold or shared the following categories of personal information for the purpose of showing you ads about our services and products:
To exercise the right to opt-out, you (or your authorized representative) may submit a request to us by clicking on the “Do Not Sell or Share My Personal Information” link below. You do not need to create an account with us to exercise your opt-out rights.
In addition, some browsers offer you the ability to opt out of the sharing of your personal information by turning on a Global Privacy Control. You can turn on a Global Privacy Control in your web browser or browser extension or by visiting https://globalprivacycontrol.org/. Please see the California Privacy Protection Agency’s website at https://oag.ca.gov/privacy/ccpa for more information on valid Global Privacy Controls. At this time, we endeavor to respond to browser-based opt-out signals sent through the Global Privacy Control.
You may have certain rights relating to your personal information subject to local data protection laws. Depending on the applicable laws and in certain circumstances, you may have the following rights:
To exercise your rights described above, please submit a verifiable consumer request to West Bend by:
Only you, or a person that you authorize to act on your behalf, may make a verifiable consumer request related to your personal information. You may also make a verifiable consumer request on behalf of your minor child. If you are making a request on behalf of another person, you must provide written legal documentation that you are authorized to act on behalf of that individual. The verifiable consumer request must:
We may not be able to fulfill your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you. To verify your identity, we may request up to three pieces of personal information about you, and we reserve the right to take additional steps as necessary to verify your identity if we have reason to believe a request is fraudulent. If you do not agree with how we responded to your request, you may ask us to review our decision by contacting us through the above noted methods.
West Bend endeavors to respond to a verifiable consumer request within 45 days of its receipt. If West Bend requires more time (up to 90 days), it will inform you of the reason and extension period in writing. West Bend will deliver the written response by mail or electronically, at your option. The response West Bend provides will also explain the reasons it cannot comply with a request, if applicable. For data portability requests, West Bend will select a format to provide your personal information that is readily useable and should allow you to transmit the information from one entity to another entity without hindrance.
West Bend will retain your personal information only for as long as is necessary for the purposes set out in this Policy. We will retain and use your personal information to the extent necessary to comply with our legal obligations (for example, if we are required to retain your data to comply with applicable laws), resolve disputes, and enforce our legal agreements and policies.
Our Site may contain links to websites operated and maintained by third parties, including social media platforms. We have no control over and are not responsible for the privacy policies or content on those websites. Links to third party websites do not imply an affiliation between West Bend and the website owner, or any endorsement, approval, or verification of any content contained on those websites. Privacy policies on third-party websites may be different from our Policy. You access such links at your own risk. We recommend you read the privacy policy of a website before disclosing any of your information.
We do not knowingly collect personal information from children under 13 through our Site. In the event that we learn that we have collected personal information from a child under the age of 13 without parental consent, we will delete that information and otherwise comply with the requirements of any applicable law, including the Children’s Online Privacy Protection Act. If you believe that we might have any information from or about a child under the age of 13, please contact.
We strive to use reasonable means to secure your personal information; however, please keep in mind that the transmission of information over the Internet and on mobile platforms is not always secure, which means we cannot and do not guarantee the complete security of any personal information you provide to us. Please consider this prior to submitting personal information to us via the Site. To the extent that you use a username and/or password to access the Site or any portion of it, the confidentiality of your username and password are your responsibility.
We may update this Policy to reflect material changes in the manner in which we deal with personal information, including complying with law. The Policy posted here will always be current. We encourage you to review it regularly. Your continued use of this Site after we make changes to this Policy is deemed to be your acceptance of any changes regardless of whether you receive an email.
To ask questions or comment about this Policy, remove or change your contact information in our database, or to not receive certain mailings or other communications, please contact us using one of the options below:
Via mail:
West Bend Insurance Company
PO Box 1115
West Bend, WI 53095
Via email: feedback@wbmi.com
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