Privacy Policy

At mm88ibc, protecting your privacy is important. We respect your privacy rights and secure your personal information. We do not sell your personal information. This privacy policy describes how mm88ibc, and its affiliated companies, collect, store, share, and secure your information on our websites or apps. It also describes the choices available to you, such as limiting the sharing of your personal information for marketing purposes or opting out of online interest-based advertising.

We collect information from you in the following ways:

We use and disclose this information to provide you with our products or services, to communicate with you, to provide you with customer service, to market our products or services to you, to develop or improve our products or services, for legal or compliance purposes, or as required or permitted by applicable law. Please review the remainder of this policy for additional details.

This privacy policy applies on websites and apps where it is posted by us. Please note that additional uses of your personal information may be provided to you at the point of collection.

We Offer Usage-Based Insurance Programs.

We offer various usage-based insurance programs that collect different information from you. SmartRide is a usage-based insurance program that provides you with personalized feedback to help you make safe driving decisions while allowing you to earn discounts on your insurance premium. If you participate in the SmartRide program, we will gather information using a telematic device that you plug in to your car, our smart phone app that you download, or other technology capable of recording the necessary data. We then analyze this information to provide you with personalized feedback and calculate a discount on your insurance premium in accordance with our terms and conditions. As part of the SmartRide program, we may collect information about your vehicle, such as driving speed, trip information, or geolocation. If you use the mobile app, we may collect information about your mobile device as well. For additional information, please review the additional terms contained in the box your telematics device arrived in, terms located under the SmartRide app settings, and SmartRide Terms and Conditions of Use.

If you obtain other usage-based insurance products or services from us, we may collect information about your vehicle, precise location, trip, speed, braking, destination, and other telematic information to provide you with a usage-based insurance program. Depending on the particular program, we may gather this information using your vehicle, mobile app, other telematics device, or data aggregator. We may use this information to provide you with personalized feedback, evaluate risk, calculate your insurance premium, develop or improve products or services, in accordance with our terms, or as otherwise permitted by law. We may also use and share this information in accordance with our privacy policy. We will continue to collect this information until you change the permissions relating to its collection on your mobile app or device. In order to stop the collection of this information, you may delete or change the privacy permissions for your mobile app, delete the app, or remove the telematics device from operation. Please note that turning off or disabling telematics features will affect the services and functionality available to you. Depending on your particular program, we may also cancel your product, service, or insurance coverage as a result of these actions.

We may collect information from and about your smart home device, sensor, or alarm when you sign up for a usage-based insurance program that relies on such telematics information. Depending on the particular program, this may include types, number, make, model, installation date, status, location, and operating condition of sensors, alarms, cameras, or other devices connected to your smart home system. In some cases, this may also include information sent from these sensors, alarms, or other devices.

We may collect information about your use of a smart speaker or smart home device when you access or use our products or services via these devices. This information may include your interactions, requests, location information, route information, skills used, and other device related information relating to our products or services you access or use through such devices. Please also refer to the specific privacy policy or terms relating to these devices, for example, the mm88ibc Skills Terms and Conditions (PDF). You may access your personal information or manage the permissions relating to such devices using the privacy settings provided by the manufacturer or service provider for these devices.

We Record Calls to Our Call Centers.

We may record or monitor our conversations with you if you call our customer service centers. We may use these recordings for training, quality assurance, fraud prevention, and other business purposes. We may use your voiceprint for verification or anti-fraud purposes when you call our call centers.

We Secure Your Personal Information.

We use reasonable physical and technical safeguards to protect your personal information, both during transmission and storage. When you enter sensitive information on our forms, we encrypt the transmission of that information. No method of transmission over the internet, including by email, or method of electronic storage is 100% secure. So, we cannot guarantee its absolute security.

We limit access to your personal information to those who need it to do their jobs. We maintain physical, electronic, and procedural safeguards that comply with applicable laws to guard your personal information. We require our service providers to use your personal information only for the purposes we outline in our privacy policies and notices.

We Don’t Target Children.

Our websites or apps are not intended for children ages 13 and younger. We do not knowingly collect personal information from such children. If you have questions or concerns regarding the collection of personal information relating to children, you may contact us using the information found in the “You Can Contact Us” section below.