Privacy Policy
Effective: July 25th, 2025
VelaPoint Online Privacy Statement
This Online Privacy Statement (“Privacy Statement”) describes the privacy practices of VelaPoint Insurance and the affiliated companies whose websites link to this Privacy Statement (“VelaPoint,” “we” “our” or “us”). This Privacy Statement explains the information we collect, why we collect it, how we use and share it, and the choices you can make regarding your information.
Information We Collect and How We Collect It
VelaPoint collects personal and other information as part of operating its independent insurance brokerage and agency-related services business. Personal information is information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked (directly or indirectly) with you. Other non-personal information does not and cannot reveal an individual’s identity such as information that has been de-identified or aggregated. The information we collect varies based on your relationship with us.
We collect personal information about you directly from you during the quoting, registering, or application processes and to service your account or policies including when you request a quote, subscribe to a membership or mailing list, or set up an account with us. We collect information about you from your employer when they use our services to procure group insurance policies for their employees. We also collect personal information from you such as IP address, browsing history and other internet activity information when you use one of our websites, view our emails or otherwise engage with us through a computer or mobile device (“Sites”).
We may collect the following categories of personal information:
| Categories | Examples |
|---|---|
| Personal Identifiers | Name, alias, signature, postal address, phone number, date of birth, unique personal identifier, online identifier, email address, internet protocol (IP) address, state identification card number, account name, or other similar identifiers. |
| Personal Characteristics | Age, race, ancestry, national origin, citizenship, religion, marital status, medical condition, physical or mental disability, sex (including gender, gender identity or gender expression), pregnancy, childbirth and related medical status, sexual orientation, veteran or military status, genetic information (including familial genetic information) or other descriptions of your physical characteristics (e.g., height). |
| Commercial Information | Service or product related information including policy coverage information, premiums, account name, policy number, payment history, claims history, records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies, account log-in, bank account number, credit or debit card number, other payment or financial information, health insurance information, driving record, credit information, medical history, or family member information. |
| Internet or Other Electronic Network Activity Information | Information regarding your interaction with our website, application or advertisement, links you use or web pages you visit while visiting our site or applications, browser type, internet service provider (ISP), cookies, and mobile device information including device identifier or other information. |
| Professional or Employment Information | Employment history, union membership, some contents of mail, e-mail and text messages on company devices, applications or communication platforms. |
| Sensitive Personal Information | Some personal information we collect is defined under the law as sensitive personal information. Sensitive personal information we collect includes Social Security number, financial account number, debit card number, credit card number in combination with any required security or access code, precise geolocation information, or personal health information. |
Use of Your Personal Information
We use your personal and other information for business purposes including to:
Provide and Maintain Services and Products
We use your personal information to identify insurance products that may be of interest to you, provide you with quotes, and to otherwise help you obtain insurance services and products. We may also use your personal information to help insurance companies that provide the insurance services and products maintain services and benefits, including servicing your policies. We may use personal information you provide about other parties to carry out necessary services and/or requests, including adding another beneficiary to your existing policy.
Improve, Develop, and Analyze our Sites, Services, and Products
We use your personal information and other information to:
- analyze, improve, develop or deliver our Sites, products and services and develop new services, products or features using algorithms, analytics software and other similar methods,
- conduct actuarial or research studies to maintain, protect and develop our networks, services, and products and protect our customers, and
- analyze how visitors use our Sites to improve the Sites and enhance and personalize your experience.
We collect some information used for these purposes using analytics software, cookies and other tracking technologies. For more information about the collection and use of this information, see Cookies and Other Tracking Technologies below.
Communicate with You About Your Service or Product
We may communicate with you about your product, service, account, policy or membership, provide you transaction confirmations, payment alerts or other service or product related messages via mail, email or other available methods.
Provide Marketing Communications
We may use your personal information to send you promotional communications about products, services, features, and options we believe may interest you. We may send communications via e-mail, regular mail or other available methods.
Comply with Legal Requirements and Protect the Safety and Security of Our Business, Services, and Sites
We may use your personal information to comply with laws, regulations or other legal obligations, to assist in an investigation, to protect and defend our rights and property or the rights of third parties or enforce terms and conditions. We may also use your personal information to prevent suspected fraud, threats to our network or other illegal activities, prevent misuse or for any other reason permitted by law.
Update or Correct Our Records
We may receive personal information about you from other sources, including publicly available databases or third parties from whom we have purchased data, and combine that personal information with other personal information we have about you to update our records. For example, we may obtain change of address information from public sources and use that personal information to update or correct your address.
Use with Artificial Intelligence (AI)
We may use your personal information with AI technology to improve or provide you with our services, to develop and provide you with new products, features, and technologies, to prevent fraud or misuse of our services, and for any other uses consistent with this privacy statement. We are committed to the responsible use of AI.
We use sensitive personal information only as reasonably necessary to perform or maintain the services or provide goods you requested, to perform services on behalf of the business such as maintaining or servicing accounts, processing payments, to provide analytics services or similar services, to detect security incidents, resist malicious, deceptive, fraudulent, or illegal actions and to prosecute those responsible for those actions, to ensure customers and other peoples’ physical safety, for short-term use such as non-personalized advertising as part of our current interactions, to verify or maintain the quality or safety of service, improve, upgrade or enhance service, or other reasons that do not require an opt-out of this use.
We do not market any products or services to children under the age of thirteen or knowingly collect any information from children. Our website is not intended for children.
Sharing Your Information
We share personal information with other companies for various business purposes and strive to work with companies that share our commitment to privacy. We may share your personal information with our affiliates for business purposes consistent with the uses described in this Privacy Statement and we may also share personal information about you with third parties whenever you consent to or direct such sharing. We may share information with others in an aggregated or de-identified form that does not reasonably identify you.
We may also share personal information with service providers, affiliates and other third parties for business purposes or as required or permitted by law including with:
- Companies involved in insurance and other business transactions: We share your personal information with other companies that play a role in an insurance transaction with you such as independent claims adjusters, repair shops, and other claims related companies. We may also share your personal information to participate in insurance support organizations.
- Authorized agents or brokers : We operate through agents and brokers who sell services and products on our behalf. We may share your personal information with those agents or brokers to provide you with the services you’ve requested. They may use your personal information in the manner described in this Privacy Statement.
- Service providers: Personal information may be shared with service providers who perform services on our behalf for business purposes including service providers that:
- help complete transactions, handle a claim, service your policy or service your membership,
- engage in credit reporting or payment processing,
- provide marketing and advertising, email, or other communication services,
- provide services that support our online activities including providing tracking technologies, web hosting and analytics,
- provide tax and accounting, legal services, delivery, and data enhancement services,
- provide technology services and enhance security, privacy, and fraud protections,
- provide data analytics services or conduct research or actuarial studies, and
- provide support to our operations.
- Marketing and advertising partners: We may share personal and other information with third party online and other marketing and advertising partners or permit these partners to collect personal information from you directly on our Sites to personalize online advertising. The Online Tracking Technologies and Advertising section below has more details about these activities.
- Third parties in connection with a business transaction: Personal information may be disclosed to third parties in connection with a corporate transaction, such as a merger, sale of any or all of our company assets or shares, reorganization, financing, change of control or acquisition of all or a portion of our business by an affiliate or third party, or in the event of a bankruptcy or similar proceedings.
- Law enforcement, regulators, and other parties for legal reasons: Personal information may be disclosed to third parties, as required by law or subpoena, or if we reasonably believe such action is necessary to:
- comply with the law and the reasonable requests of regulators, law enforcement or other public authorities,
- protect our or others safety, rights, or property, and
- investigate fraud or to protect the security or integrity of our Sites or any product or services.
Our service providers and third-party marketing and advertising partners include Adobe, Google and Microsoft. To learn about Adobe Analytics privacy practices or to opt-out of Adobe cookies, visit Adobe Privacy Center. To learn more about Google’s privacy practices and to manage privacy controls, visit Google Privacy Center. To access and use the Google Analytics Opt-out Browser Add-on, visit Google Opt-out. To read more about Microsoft’s privacy practices, visit the Microsoft Privacy Statement.
How Long We Keep Your Information
We retain personal information in accordance with applicable laws or regulatory requirements and for as long as necessary to fulfill the purposes for which it was collected and to fulfill the business or commercial purposes that are explained in this Privacy Statement.
Online Tracking Technologies and Advertising
When you visit our Sites, we and our service providers automatically collect information about your use of and access to these Sites.
Technologies and Information Collected
We collect this information through a variety of tracking technologies, including cookies, Flash objects, web beacons (also called pixel tags), embedded scripts, location-identifying technologies, and similar technology (collectively, “tracking technologies”). Information we collect automatically about you may be combined with other personal information we collect directly. The information collected in this manner includes:
- The website from where you accessed the Site, where you went to when you left the Site, how frequently you visit the Sites, when and whether you open emails or click the links contained in emails, pages you visit on our Sites, the links you click and ads you view, or your location when you access our Sites,
- Information about the computer, tablet, smartphone or other device you use, such as your IP address, browser type, Internet service provider, platform type, device type/model/manufacturer, operating system, date and time stamp, a unique ID that allows us to uniquely identify your browser, mobile device or your account (including, e.g., a persistent device identifier or an Ad ID), and other similar information, and
- Analytics information collected by us or via third party analytics tools, to help us measure traffic and usage trends for the Sites and to understand more about the demographics and behaviors of our users.
Use of the Information
The information collected through tracking technologies allows us to provide you with an improved, enhanced and personalized customer experience, to monitor and improve our Sites and for other internal purposes such as:
- Remembering information so that you will not have to re-enter it during your visit or the next time you visit the Sites,
- Identify and contact you across multiple devices,
- Provide and monitor the effectiveness of our Sites,
- Perform analytics and detect usage patterns on our Sites,
- Diagnose or fix technology problems,
- Detect or prevent fraud or other harmful activities, and
- Otherwise to plan for and enhance our Sites.
General choices regarding cookies: If you prefer not to accept cookies, most browsers will allow you to manage cookies in your browser settings to disable or block cookies, remove existing cookies, automatically accept cookies or to notify you when you receive a cookie. These settings are browser or device specific. Options available may vary by browser. However, if you disable, modify, or reject cookies, some parts or functionalities of our Site may be inaccessible or not function properly. For example, disabling cookies may require you to repeatedly enter information to take advantage of services or promotions. Also, if you clear your cookies on your browser or make selections using a different device or browser, you may need to redo your cookie settings.
Social Media, Links And External Sites
Links to other company’s websites may be provided on VelaPoint Sites as a convenience to you. If you choose to go to these external websites, you will be subject to the privacy practices of those external websites; VelaPoint is not responsible for the privacy practices of those websites. We encourage you to be aware when you leave our Site to read the privacy policies or statements of every website you visit, as those privacy policies or statements may differ from ours. Our Privacy Statement applies solely to the Sites where this Privacy Statement appears.
Our website includes Social Media features, such as the Facebook Like button and widgets, such as the Share This button or interactive mini-programs that run on our site. These features may collect your IP address, which page you are visiting on our website, and may set a cookie to enable the feature to function properly. Social Media features and widgets are either hosted by a third party or hosted directly on our Site. Your interactions with these features are governed by the privacy policy of the company providing it.
Security
Protecting your personal information is important to us. We use a combination of reasonable technical, administrative, and physical safeguards to protect your personal information. However, no website, mobile application, database, or system is completely secure or “hacker proof.” So, we cannot guarantee its absolute security. You are also responsible for taking reasonable steps to protect your personal information against unauthorized disclosure or misuse.
We limit access to your personal information to those who need it to do their jobs. We comply with all applicable federal and state data security laws.
Contact Us
If you should have questions or concerns about our privacy practices, please contact us at ABAHPrivacy@allstate.com.
Changes to Our Privacy Statement
We may periodically update or revise this Privacy Statement. The effective date at the top of the document shows when this Privacy Statement was last revised. We will let you know when we update the Privacy Statement by changing the date or other appropriate means.