Metromile Privacy Policy

TRUSTe
 

Effective January 1, 2021

At Metromile, Inc. and its affiliates (collectively, “Metromile”, “We”, “Us”), we are committed to protecting your privacy and earning your trust. This Privacy Policy covers the website: www.metromile.com and any parent or child sites. We want to let you know what kind of personal information we have about you, and how we use and share it. It also describes the choices available to you regarding our use of your personal information and how you can access and update this information. As an insurance provider, Metromile is regulated by Federal and State laws that protect your information and our use and disclosure of it. This Privacy Policy is incorporated into and is subject to the Metromile Terms of Use (the “Terms”), and capitalized terms used, but not defined in this policy, have the meanings given to them in the Terms.

If you have an unresolved privacy or data use concern that we have not addressed satisfactorily, please contact our U.S.-based third party dispute resolution provider (free of charge) at https://feedback-form.truste.com/watchdog/request.

This Privacy Policy also applies to anyone who uses or accesses your covered vehicle while the telematics device is active (see our Pulse Terms of Use for more information regarding our telematics device and data). Accordingly, you must provide this Privacy Policy to anyone who uses or operates a vehicle that you rent, lease, own, or otherwise control or are responsible for while subscribing to our products and services. If you lend, rent, lease, or otherwise transfer your vehicle, it is your responsibility to provide the driver or operator with a copy of this Privacy Policy and obtain their consent to the terms herein. By using our Services, you agree to defend, indemnify, and hold Metromile and its affiliates and service providers harmless from any claims brought against them that result from the use or operation of your vehicle by a third party, including Metromile’s data collection and use practices while that third party is operating or using your vehicle.

What Information Do We Collect and How Do We Get It?

Metromile collects a variety of information that will aid us in quoting and servicing your insurance policy and providing the Service to you. This information includes “nonpublic personal information”, which is all information that identifies you and is not available to the public.

We collect this information through your application information, your communications with us, your transactions, your consumer reports, and use of the Service. We also collect certain information that is linked with your account through a wireless enabled telematics device installed in your covered vehicle (the “Pulse”).

Here are some examples of the information we get:

Metromile keeps a record of the source of the information that we gather about our users. You can obtain these records by contacting us with this online form. You may be charged a fee for the cost of creating copies of this information.

You may also request access to records of your information retained by Metromile by submitting a written request. You will be given access to the information and the ability to make copies within thirty business days. You may choose to access this information in person or via mail. You may correct, amend, or delete this information (after providing proper verification) by submitting a written request to this online form. If Metromile does not agree with the requested changes, you may submit a concise statement of the changes you requested and your reasons why you believe the information should be changed, and this statement will be stored with your information and will be provided with your information if it is shared as permitted below.

The Ways Metromile Uses Information

Metromile uses the information you provide or that we collect to develop, operate, maintain, enhance, and provide all of the features and services found on the Service now and in the future, and to service your account with us, including the following: 

The Ways Metromile Discloses Information

Metromile is not in the business of selling or commercializing your information with third party companies for marketing purposes by third party companies. We will share your personal information with third parties only in the ways that are described in this Privacy Policy, or otherwise allowed by law, rule or regulation. Such disclosures include:

In the Event of Merger or Sale

In the event that all or a portion of Metromile or its assets are acquired by or merged with a third party entity, we reserve the right, in any of these circumstances, to transfer or assign the information that we have collected from users, including personal information and user data in connection with such merger, acquisition, sale, or other change of control. You will be notified via email and/or a prominent notice on our website of any change in ownership or uses of your personal information, as well as any choices you may have regarding your personal information.

How is Your Information Protected?

Metromile is committed to protecting your information from unauthorized access and disclosure. We have certain physical, electronic, and procedural safeguards in place that are designed to help protect the security and integrity of your information both during transmission and once it is received. To reduce the risk that your account may be compromised, we recommend the use of passwords greater than eight characters, and that include letters, numbers, and special characters, and that you regularly change your password to one that you have not used within the last year. If you have any questions about security on our website, you can contact us by using this online form.

Communications with Metromile

As a policyholder, we will contact you regarding your policy, such as billing notices and confirmations of changes, through email. We will also use your email to provide you with updates about our products and services. We may also contact you by phone regarding timely matters such as late payment or other factors that might affect your policy.

When you register for an account, we will use your name and email address to send periodic emails to you of both promotional and transactional nature. Out of respect for your privacy, you may choose to stop receiving promotional emails by following the unsubscribe instructions included in these emails or you can contact us by using this online form.

Reviewing/Correcting Your Information

Upon written request, Metromile will provide you with information about whether we hold any of your personal information. As a consumer, you have the right to review the information we have about you and update, change or delete your information if needed. Support is provided for consumers to request any needed updates to their data either via this online form or by sending us postal mail at the address given below. We will respond to your request within a reasonable timeframe.

We will retain your information for as long as your account is active or as needed to provide you services. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

We can provide consumers with the names of all entities that Metromile has disclosed certain of your personal information to within 12 months, or in accordance with applicable law. We also provide you with information on how to obtain a copy of your credit report (see prior section What Information Do We Collect and How Do We Get It?).

In addition, every policyholder has an account secured by a username and password on our website that contains a summary of the information we have about you. Any needed updates can be emailed to this online form.

Online Advertising

We partner with third-party advertising partners to manage our advertising on other websites. These partners may use cookies, web beacons, and other advertising technologies to collect non-personal information about your activities on this and other websites for the purpose of serving you targeted advertising based on your interests. If you wish to not have this information used for the purpose of serving you targeted ads from Metromile, you may opt-out by emailing us at optout@metromile.com. Please allow up to four weeks for opt-out requests to be processed. Furthermore, please note that filing this request does not opt you out of being served advertising. You will continue to receive generic ads.

Links to Third Parties

Our Site includes links to other websites whose privacy practices may differ from those of Metromile. If you submit personal information to any of those sites, your information is governed by their privacy policies. We encourage you to carefully read the privacy policy of any website you visit.

Our website includes Social Media Features, such as the Facebook Like button and Widgets, such as the Share this button or other interactive mini-programs that run on our site. These Features may collect your IP address, which page you are visiting on our site, 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.

Import Contacts

You can import contacts from your Gmail or other email account address book to invite them to become members of our website. We collect the username and password for the email account from which you wish to import your contacts, and will only use your personal information for that purpose.

Blog / Forum

Our website offers publicly accessible blogs. You should be aware that any information you provide in these areas may be read, collected, and used by others who access them. To request removal of your personal information from our blog contact us using the Help Center. In some cases, we may not be able to remove your personal information, in which case we will let you know if we are unable to do so and why.

Our website also offers publicly accessible community forums. Our community forum is managed by a third party application that may require you to register to post a comment. We do not have access or control of the information posted to the community forum. You will need to contact or login into the third party application if you want the personal information that was posted to the comments section removed. To learn how the third party application uses your information, please review their privacy policy.

Testimonials

We display personal testimonials of satisfied customers on our website in addition to other endorsements. We may post your testimonial along with your name. If you wish to update or delete your testimonial, you can contact us at this online form.

Changes and Updates to this Privacy Policy

Please revisit this page periodically to stay aware of any changes to this Privacy Policy, which may be revised from time to time at Metromile’s sole discretion, as provided in the Terms. If we modify the Privacy Policy, we will make it available through the Service, and indicate the date of the latest revision. In the event that the modifications materially alter either of our rights or obligations hereunder we will make reasonable efforts to notify you of the change, 30 days ahead of time. For example, we may send a message to your email address, if we have one on file, or generate a pop-up or similar notification when you access the Service for the first time after such material changes are made. Our amended Privacy Policy will automatically take effect on the date indicated, except that (i) we will not, without your consent, use your previously collected personal information in a manner inconsistent Privacy Policy in effect when we received that information, and (ii) if you do not agree with any changes to the Privacy Policy, you may terminate your account by contacting customer service. Your continued use of the Service after revised Privacy Policy has become effective indicates that you have read, understood and agreed to the current version of the Privacy Policy.

Information regarding the California Consumer Privacy Act of 2018

At this time, Metromile has determined that it is not subject to the California Consumer Privacy Act of 2018 (CCPA). The CCPA expressly excludes personal information collected, processed, sold, or disclosed pursuant to certain sector-specific privacy laws, including the Fair Credit Reporting Act (FRCA), the Gramm-Leach-Bliley Act (GLBA), the California Financial Information Privacy Act (FIPA), and the Driver’s Privacy Protection Act of 1994. As the information collected by Metromile falls under these exclusions, the information we collect is generally exempt from the CCPA. The CCPA also does not apply to publicly available information from government records, and deidentified or aggregated consumer information.

Further, note that information regarding Metromile job applicants, employees, owners, directors, officers, or contractors, emergency contact information from the same, and information necessary for Metromile to administer benefits to the same, and information Metromile obtains from a consumer acting on behalf of a company and whose communications with Metromile occur solely within the context of Metromile conducting due diligence regarding, or providing or receiving a product or service to or from another company, are generally exempt from much of CCPA. If you have questions about any of the foregoing, please contact us using the information set forth below.

Contact Information

For any questions about our privacy policy, please contact us using this online form. or send us regular mail to:

Attention: Legal Department – Privacy Request