| DTRIC Insurance is committed to providing you with products and services
to meet your insurance needs. We are also committed to protecting the
privacy of your information. This notice describes the information we
collect, how we use it and how we keep it secure. Please take a moment
to read this privacy notice for some important information about your
rights. |
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| Information We Collect |
We collect and retain information to give you better service and to
help you learn more about products
and services that may be of interest
to you. Customer information may be collected from a variety of sources,
such as: |
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Information we receive from you on your application for
insurance or other forms, such as your
name, address, phone number,
e-mail address, social security number, driver's license number,
and
date of birth. |
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Information from transactions with us, our affiliates or others, including
your payment history,
insurance claims, type of coverage and information
about your vehicle. |
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Information we receive from third parties, such as other insurance
companies or agents,
government agencies, health care providers, consumer
reporting agencies or public records. |
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| Information We Disclose |
| In order to service your account effectively and to provide
you with offers for products and services that you may find useful,
we share information with persons or organizations to perform a business,
professional or insurance function for us. We exchange information about
you with persons who are or will become involved in reviewing and processing
your application, your policy or any claims that you make. These include
our agents, investigators, appraisers, adjusters, attorneys and others.
We also share your information for other permitted purposes, including: |
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with another insurance company if you are involved in an accident
with their insured; |
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with our reinsurers; |
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with companies that provide marketing services; |
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with state insurance departments or other governmental or law enforcement
authorities if required
by law or to protect our legal interests or
in cases of suspected fraud or illegal activities; or |
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if ordered by a subpoena, search warrant or other court order. |
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| We may also disclose information about our former customers
to these same affiliates and non-affiliated companies and to others
as permitted or required by law. |
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| Protection of Information |
| We maintain physical, electronic and procedural safeguards
to protect information. Only employees who need to have that information
to provide services to you have access. We train our employees about
their roles in protecting the information and conduct regular internal
audits. In addition, affiliates and non-affiliated companies to which
we disclose information are required to maintain adequate security standards
for the protection of information. |
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| Disclaimer |
| DTRIC intends for the information contained in this website
to be accurate and reliable. However, errors sometimes occur. Therefore,
DTRIC disclaims any warranty of any kind, whether expressed or implied,
as to any matter whatsoever relating to this website, including without
limitation its merchantability or fitness for any particular purpose.
In no event shall DTRIC be liable for any direct or indirect, special,
incidental or consequential damages arising out of the use or inability
to use the materials on this website. DTRIC will from time to time revise
the products and services described in this website and reserves the
right to make such changes without the obligation to notify current
or prospective customers. |
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| DTRIC Insurance company limited, ("DTRIC") will
not be responsible for any damages or injuries that accompany or result
from your use of its site. These include (but are not limited to) damages
or injury caused by any: (1) use of (or inability to use) the site;
(2) use of (or inability to use) any site to which you hyperlink from
our site; (3) failure of performance; (4) error; (5) omission; (6) interruption;
(7) defect; (8) delay in operation or transmission; (9) computer virus;
or (10) line failure. We are not liable for any consequential or incidental
damages, which are damages intended to compensate someone directly for
a loss or injury, damages reasonably expected to result from a loss
or injury, or other miscellaneous damages and expenses resulting directly
from a loss or injury. Furthermore, we are not liable even if we have
been negligent or if our authorized representative has been advised
of the possibility of such damages - or both. However, in certain states
where the law may not allow us to limit or exclude liability for these
incidental or consequential damages, the above limitation may not apply
and you may have the right to recover these types of damages. In any
event, our liability to you for all losses, damages, injuries and claims
of any kind, whether the damages are claimed under the terms of a contract,
or they are claimed to be caused by negligence or other wrongful conduct
or any other legal theory, will not be greater than the amount you have
paid to access our site. |
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| DTRIC reserves the right to modify the rules and regulations
governing this site at any time. When modifications appear on this site,
users are deemed to be aware and bound by any changes to these rules
and regulations. DTRIC reserves the right to make any improvements or
changes to the content of this site at any time. |
