PSCC, Inc. Privacy Policy

Effective December 28, 2021

Date Last Updated December 31, 2022

The privacy and security of your information is very important to us. At PSCC, Inc., in California DBA PSCC Insurance Services Processing (“PSCC,” “us,” “we,” or “our”), we know that you care about how your information is collected, used, and shared, and we want to help you make knowledgeable choices about the information you provide to us. This Privacy Policy (the “Policy”) explains how we collect, use, and share your Personal Information when you interact with our Savvy Storage Insurance Program (the “Program”) by phone, through our customer support services, and online when you visit our website at www.savvystorageinsurance.com (the “Site”).

This Privacy Policy does not apply to other websites which may be operated by affiliates or business partners of PSCC, even if they are linked to the Site. By using our services and/or the Site, you agree to the collection, use, and sharing of your Personal Information by PSCC consistent with this Privacy Policy and our Terms and Conditions.

Please Note: Insurance through our Program is offered by STARR Indemnity & Liability Company – A Member of STARR Insurance Companies (the “insurance company”). You should review their privacy policy for more information about their data collection practices, as it may differ from ours.

Quick Reference Guide:

1. Who This Policy Applies To
2. What Personal Information We Collect and How We Use It
3. How We May Disclose Information
4. Contact Preferences and Updating Your Personal Information
5. Information Regarding Children
6. What Else You Should Know About Your Privacy
7. Changes to this Privacy Policy
8. Legal Disclaimer
9. External Links
10. Questions and Contacting PSCC

1. Who This Policy Applies To

PSCC is a Program Administrator that provides the Program to affiliated storage facilities (“Storage Facilities”) and distributes insurance products and services to individual policyholders (the “Insured” or “you”) to secure their rental units. Accordingly, some of the information we collect is information from and about individuals acting in their capacity as an owner, director, officer, employee, or contractor of a Storage Facility (our “B2B Contacts”). This Policy does not apply to you if we collect your information as part of your relationship with us as a B2B Contact.

2. What Personal Information We Collect and How We Use It

We collect Personal Information that identifies, describes, or is reasonably capable of being associated with you (“Personal Information”). The following discusses the categories of Personal Information we collect, the sources we collect information from, and the business or commercial purposes we use your Personal Information. Personal Information does not include publicly available information as defined under applicable laws, de-identified information, or aggregated information.

2.1 When You Apply for and Purchase Insurance

When you complete an application for insurance, we may collect the following Personal Information from you and/or the insurance company.

• Personal Identifiers. We may collect your first and last name, postal address, home and/or mobile phone numbers, email address, social security number, driver’s license number or identification, and any other information that you choose to provide that would allow us to identify you personally.
• Commercial Information. We collect information about the storage unit you are insuring, such as your unit number and the address and property number for the storage facility where your unit is located.
• Financial Information. We collect insurance coverage information and your account number.

We use this Personal Information to set up and maintain your account with the Program. We also use this information to provide insurance services to you, for example to remit premiums or adjust any insurance claims and otherwise run day-to-day operations. We may use this information to communicate with you and provide you with marketing and promotional information about products and services we believe are of interest to you. We may also use this information to strategically partner with advertisers and affiliates.

2.2 If You Make a Claim Under an Insurance Policy

If you make a claim under your insurance policy, we collect the following Personal Information from you and/or the claims management company.

• Personal Identifiers. We may collect your first and last name and contact information such as your postal address, home and/or mobile phone numbers, and email address.
• Commercial Information. We collect information about your storage unit, such as your unit number and the address and property number for the storage facility where your unit is located. We also collect information about the loss and the property damaged in the incident.
• Financial Information. We collect insurance coverage information and your account number.

We use this Personal Information to perform the service you requested. We may use this information to contact you about your claim.

2.3 If You Cancel Insurance

If you decide to cancel your insurance coverage, either by visiting our Site and completing our request form or by calling the Savvy Hotline, we collect the following Personal Information directly from you.

• Personal Identifiers. We may collect your first and last name and contact information such as your postal address, home and/or mobile phone numbers, and email address.
• Commercial Information. We collect information about the storage unit you are insuring, such as your unit number and the address and property number for the storage facility where your storage unit is located.
• Financial Information. We collect insurance coverage information and your account number.

We use this Personal Information to fulfill your request to cancel and communicate with you about the cancellation, for example by providing an email confirmation.

2.4 If You Contact Us

If you contact us directly with a question or concern or contact our customer service line, we may collect the following Personal Information directly from you.

• Personal Identifiers. We may collect your first and last name and contact information such as your postal address, home and/or mobile phone numbers, and email address.
• Financial Information. We collect insurance coverage information and your account number.

We use this Personal Information to provide customer service and respond to your requests, comments, or concerns. We also take your feedback to heart and may use this information to improve our Program, as well as train our employees on how to better serve you.

2.5 Cookies and Other Information We Collect Automatically

PSCC and our providers may automatically collect certain types of Personal Information whenever you use the Site. If we collect this information, it will be done passively through the use of certain electronic technologies, such as cookies, web beacons, pixels, clear GIFs, and similar technologies. The Personal Information we may automatically collect includes:

• Device and Browsing Information. When you visit our Site, we may collect IP address, browser type, domain names, access times, date/time stamps, operating system, language, device type, unique ID, Internet service provider, referring and exiting URLs, clickstream data, and similar device and browsing information.
• Activities and Usage. We also collect activity information related to your use of the Site, such as information about the links clicked, searches, features used, items viewed, time spent, your interactions with the Site, and other activity and usage information.
• Location Information. We may also collect or derive location information about you, such as through your IP address.

We use cookies, pixel tags, and other similar tracking mechanisms to automatically collect Personal Information to analyze and understand how you access, use, and interact with our Site; identify and resolve bugs and errors; assess, secure, protect, optimize, and improve the performance of our Site; and to personalize content on our Site. We may also aggregate such information to analyze trends and gather broad demographic information for aggregate uses.

Cookies. “Cookies” are alphanumeric identifiers we transfer to your device’s hard drive through your web browser for tracking purposes. Some cookies allow us to make it easier for you to navigate our Site, while others are used to enable a faster log-in process, support the security and performance of the Site, or allow us to track activity and usage data within the Site.

Pixel Tags. Pixel tags (sometime called web beacons or clear GIFs) are tiny graphics with a unique identifier, similar in function to cookies. While cookies are stored locally on your device, pixel tags are embedded invisibly within web pages and online content. We may use these to among other things, track the activities of users, and help us manage content and compile usage statistics.

Third Party Analytics. We use third party tools, such as Google Analytics, which are operated by third party companies, to evaluate usage of our Site. These third-party analytics companies use cookies, pixels, and other tracking technologies to collect usage data about our Site to provide us with reports and metrics that help us evaluate usage, improve our Site, and enhance performance and user experiences. To learn more about Google’s privacy practices, please review the Google Privacy Policy at https://www.google.com/policies/privacy/partners/. You can also download the Google Analytics Opt-out Browser Add-on to prevent your data from being used by Google Analytics at https://tools.google.com/dlpage/gaoptout.

Your Choices. To prevent cookies from tracking your activity on our Site or visits across multiple websites, you can set your browser to block certain cookies or notify you when a cookie is set; you can also delete cookies. The “Help” portion of the toolbar on most browsers will tell you how to prevent your device from accepting new cookies, how to have the browser notify you when you receive a new cookie, or how to delete cookies. Visitors to our Site who disable cookies will be able to browse the Site, but some features may not function. We are not responsible for the completeness, effectiveness, or accuracy of any third-party opt-out options or programs.

Do Not Track. Currently, our Site does not recognize “Do-Not-Track” requests. You may, however, disable certain tracking as discussed below (e.g., by disabling cookies).

3. How We May Disclose Information

We may disclose your Personal Information with our vendors, service providers, or affiliates with whom we have contracted to perform services on our behalf, such as to complete a task that you have asked us to do, to adjust insurance claims, or provide your Personal Information to a delivery service so that they can assist us in fulfilling your service request. In some circumstances, we may disclose the Personal Information we collect to our customers and clients to administer our services.

If we or our affiliates are or may be acquired by, merged with, or invested in by another company, or if any of our assets are or may be transferred to another company, whether as part of a bankruptcy or insolvency proceeding or otherwise, we may disclose or transfer the Personal Information we have collected from you with or to the other company. We may also disclose certain Personal Information as necessary prior to the completion of such a transaction or other corporate transaction such as a financing or restructuring, to lenders, auditors, and third-party advisors, including attorneys and consultants.

Additionally, we may disclose Personal Information if (a) we believe that disclosure is reasonably necessary to comply with any applicable law, regulation, legal process, or governmental request, (b) to enforce our agreements, policies, and terms of use, (c) to protect the security or integrity of our Website or Services, (d) to protect the property, rights, and safety of PSCC, our users or the public from harm or illegal activities, (e) to respond to an emergency which we believe in the good faith requires us to disclose information to assist in preventing the death or serious bodily injury of any person, or (f) to investigate and defend ourselves against any third-party claims or allegations.

4. Contact Preferences and Updating Your Personal Information

You have certain choices when it comes to how PSCC uses your Personal Information. You may choose not to receive information about new services and special promotional offers from us by direct mail and/or email. If you elect not to receive such marketing information by direct mail or email, PSCC may continue to contact you as necessary to service your account. You can change your contact preferences by calling us at 800.784.1290.

Keeping your account information accurate and up to date is very important so we can provide you with excellent service. If your account information is incomplete, inaccurate, or not current, please contact PSCC customer service at 800.784.1290.

5. Information Regarding Children

Our website is intended for users who are 13 years or older and we do not knowingly collect information from children under 13 years old. If we become aware that we have collected information from a child under 13 years old, we will delete such information from our records. If you are a parent or legal guardian and believe your child has given us information and you did not provide consent, please call us at 800.784.1290 for assistance.

6. What Else You Should Know About Your Privacy

You should be careful to maintain the secrecy of your user ID and password and/or account information and be responsible for protecting your Personal Information and identity, both online and offline. You can refer to the Federal Trade Commission’s website at http://www.ftc.gov/bcp/menus/consumer/data.shtm for information on how to protect yourself from identity theft.

7. Changes to This Privacy Policy

Our Privacy Policy will change over time as we seek to improve the services we provide. We will post the revised Privacy Policy on the Site and we will update the Last Updated Date at the top of the Privacy Policy. We encourage you to refer to the Privacy Policy from time to time to stay informed about our most current practices. We also encourage you to periodically review this Privacy Policy to stay informed about our collection, use and disclosure of your information. We will not use or share your Personal Information for materially different purposes without first taking reasonable steps to provide you notice, such as by posting prominent notice on our Site.

8. Legal Disclaimer

Nothing in this Policy restricts our ability to:

• Comply with federal, state, or local laws;
• Comply with a civil, criminal, or regulatory inquiry, investigation, subpoena, or summons by federal, state, or local authorities;
• Cooperate with law enforcement agencies concerning conduct or activity that we reasonably and in good faith believe may violate federal, state, or local law;
• Exercise or defend legal claims;
• Detect security incidents and protect against fraudulent or illegal activity and prosecute those responsible for such activity; or
• Transfer Personal Information as part of a merger or acquisition, dissolution, bankruptcy, or any other transaction in which a third party assumes control of all or part of our business. It is our practice to seek appropriate protection for Personal Information disclosed or received in these types of transactions. We cannot, however, guarantee that PSCC’s Privacy Policy will remain unchanged in the unlikely circumstance that PSCC is sold or if it merges with another company.

9. External Links

The Site may contain links to third-party websites. Please be aware, however, that PSCC is not responsible for and cannot control the privacy policies of these other websites or their practices. We encourage you to read the privacy policies for these other websites, as they may differ from ours. Please read the privacy policy on these sites for applicable privacy practices relating to Personal Information collected via those sites because they may differ from PSCC’s privacy practices.

10. Questions and Contacting PSCC

If you have any questions, comments, or concerns about this Privacy Policy, please call us at 800.784.1290, or write to us at:

PSCC, Inc. Privacy Officer in California DBA: PSCC Insurance Services Processing (CA Insurance License #0E14626)
P.O. Box 25097
Glendale, CA 91221-5097