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Online Privacy Policy

Last updated: 02/27/2025

Introduction

Amica Mutual Insurance Company and our subsidiaries and affiliates, including Amica Life Insurance Company, Amica General Agency, LLC and Amica Property and Casualty Insurance Company (collectively “Amica”, “we”, “our” and “us”) respect your privacy and are committed to protecting it through our compliance with this Online Privacy Policy (this “Policy”).

This Policy describes:

  • The types of information we may collect from you or that you may provide when you visit or use the website www.amica.com, or any other website, mobile application or service published by Amica (collectively, the “Services”), regardless of how you access or use them, that posts a link to this Policy;
  • Our practices for collecting, using, maintaining, protecting and disclosing personal information and other information and data of user of our Services; and
  • Your choices regarding the collection, processing and sharing of your Personal Information (defined below).

This Policy applies to information we collect through the Services.

This Policy does not apply (except to the extent described otherwise herein) to information collected through any third-party websites or mobile services, including through any application or content (including advertising) that may link to or be accessible from or on the Services, or that you may submit through email, text or other electronic message, or offline.

Please read this Policy carefully to understand our policies and practices regarding your information and how we will treat it. If you do not agree with our policies and practices, your choice is to not use the Services. By accessing or using the Services, you agree to this Policy. This Policy may change from time to time (see Changes to this Online Privacy Policy), and the current effective date is set forth at the top of this Policy. When possible, we will provide you with advance notice of our changes to the Policy, and we will not make retroactive changes that reduce your privacy rights unless we are legally required to do so. We reserve the right to apply the amended terms to the information that we have already collected, subject to any legal constrains. Your continued use of the Services after we make changes is deemed to be acceptance of those changes, so please check this Policy periodically for updates. To the extent any provision of this Policy is found by a competent tribunal to be invalid or unenforceable, such provision shall be severed to the extent necessary for the remainder to be valid and enforceable.

Amica uses and discloses Nonpublic Personal Information we receive from our customers in accordance with the Amica Privacy Notice, whether that information comes from the Services or any other means. The information contained in this Policy is in no way intended to amend, abridge, replace, contradict, change or otherwise affect the policies outlined in the Amica Privacy Notice.

This Policy is written in the English language. We do not guarantee the accuracy of any translated versions of this Policy. To the extent any translated versions of this Policy conflict with the English language version, the English language version of this Policy shall control.

In addition to reading this Policy, please review our Terms of Use, which governs your use of our Services. If you do not agree to our Terms of Use and the collection, use and sharing of your information as detailed in this Policy, please do not access or otherwise use our Services or any information or content accessible on our Services.

Information We Collect

We collect various kinds of information that you provide to us as well as information we obtain from your use of the Services and by using automated processes. We also collect information about your transactions with us, such as any information you submit to us through our Services.

Some of the types of information that we collect include:

“Personal Information”

Information associated with or used to identify or contact a specific person. Personal Information includes: (1) contact data (such as email address, telephone number and employer); (2) demographic data (such as gender, date of birth and ZIP code); (3) certain Usage Data (defined below); and (4) Location Data (defined below).

“Nonpublic Personal Information”

Certain Personal Information, including but not limited to the information listed below, is characterized as Nonpublic Personal Information and subjected to stricter regulation than other Personal Information:

  • Your name;
  • Your address;
  • Your driver’s license number;
  • Your Social Security number;
  • Your credit card or bank account information;
  • Your policy number;
  • Information about your health;
  • Your policy information;
  • Information related to a claim;
  • Information about the vehicle you drive, driving habits or information about other drivers in your home; or
  • Information about your home.


Before providing it to us, we urge you to carefully consider whether or not to disclose your Nonpublic Personal Information. If you do provide Nonpublic Personal Information to us, you consent to its use and disclosure for the purposes and in the manner described in our Privacy Notice.

"Information About Third Parties"

By submitting Personal Information about any third party, you represent and warrant to Amica that you have the consent of the third party to do so, and that the information you submit is factually accurate.

“Usage Data”

In addition to any information that you choose to submit to us via our Services, we and our third-party service providers may use a variety of technologies that automatically (or passively) store or collect certain information wherever you visit or interact with our Services (“Usage Date”).

This Usage Data may be stored or accessed using a variety of technologies that may be downloaded to your phone, computer or other electronic device whenever you visit or interact with our Services. To the extent we associate Usage Data with your Personal Information we collect directly from you through our Service, we will treat it as Personal Information. This Usage Data is used to streamline the customer experience, research potential risks and enhance individual customers’ risk profiles. 

Usage Data includes information about an individual’s online or Services usage activity that, by itself, does not identify the individual, such as:

  • Technical information, including your browser type, service provider, IP address, UDID or other unique device identifier, operating system, device functionality and characteristics, and webpages visited;
  • Information about what you’ve searched for and looked at while using the Services, and time of day and other information about your visit and searches;
  • Metadata, which means information related to items you made available through the Services, such as the date, time or location that a shared photograph or video was taken or posted.

Generally, we do not consider Usage Data to be Personal Information because Usage Data by itself usually does not identify an individual. Personal Information and Usage Data may be linked together, however, and such combined information may be considered Personal Information. Different types of Usage Information also may be linked together and, once linked, may identify an individual person and be considered Personal Information. Additionally, some Usage Data may be Personal Information under applicable law.

“Location Data”

Personal Information collected about the location of a mobile device or computer, including:

  • The location of the mobile device or computer used to access the Services derived from GPS or Wi-Fi use;
  • The IP address of the mobile device or computer or internet service used to access the Services; or
  • Other information made available by a user or others that indicates the current or prior location of the user, such as information that you or others post indicating your location and geotag information in photographs.

How We Collect Information

Whether we collect certain types of information and how we process it depends on how you use and access the Services. Some information is collected automatically through use of cookies and similar tracking technologies. We collect information about you in the following ways:

Directly From You.

We collect information from you when you:

  • Use the Services. We collect information, including Personal Information and Usage Data from you when you:
    • Obtain a quote;
    • File or check the status of a claim;
    • Contact or chat with a customer service representative;
    • Manage your account;
    • Pay your bill;
    • Apply for or purchase an Amica product;
    • Use other interactive features of our Websites or Services;
    • Connect with social media through the Services; or
    • Contact us for help or information or otherwise voluntarily provide your information.

From Your Social Media.

You may have the ability to use Facebook Connect or other social media services (collectively, “Social Media”) in conjunction with certain Services. When you access the Services through your Facebook or other Social Media account, the Services may, depending on your privacy settings, have access to information that you have provided to the Social Media platform. We may use this information for the purposes described in this Policy or at the time the information was collected.

From Our Business Partners and Service Providers.

Third parties that assist us with our business operations may also collect information (including Personal Information and Usage Data) about you through the Services and share it with us. For example, our vendors may collect and share information with us to help us detect and prevent fraud.

We may combine the information we collect from you with information from other sources and use the combined information as described in this Policy.

Tracking Technologies.

We also automatically collect Usage Data when you interact with the Services, using various methods and technologies (“Tracking Technologies”). We use Tracking Technologies to help improve your experience with the Services. For example, Tracking Technologies help us remember users and make the Services more relevant to you. Tracking Technologies may set, change, alter or modify settings or configurations on your Device.

We use a variety of Tracking Technologies for various purposes, including those that are:

  • Strictly Necessary. We may use cookies or other Tracking Technologies that we consider are strictly necessary to allow you to use and access our Services, including cookies required to prevent fraudulent activity and improve security.
  • Performance‑Related. We may use cookies or other Tracking Technologies that are useful in order to assess the performance of our Services, including as part of our analytic practices or otherwise to improve the content, products or services offered through our Services.
  • Functionality‑Related. We may use cookies or other Tracking Technologies that are required to offer you enhanced functionality when accessing our Services, including identifying you when you sign‑in to our Services or keeping track of our specified preferences, including in terms of the presentation of content on our Services.
  • Targeting‑Related. We may use Tracking Technologies to deliver content relevant to your interests on our Services and third-party sites based on how you interact with our content. This includes using Tracking Technologies to understand the usefulness to you of the content that has been delivered to you.

We also rely on Tracking Technologies for purposes of session replay and pixel tracking, which collect Usage Information that tracks your interactions with our Services, including mouse movements, text, and other information, associated with your visit to our Services. This information is used to help us improve our Services and better provide you with information you are interested in when you visit our Services. For more information about how these technologies process your information, please review our vendor Dynatrace’s privacy notice https://www.dynatrace.com/company/trust-center/privacy/ and our vendor Glassbox’s privacy notice https://www.glassbox.com/privacy-policy.

Cookies.

We, along with the service providers that help us provide the Services, use “cookies,” which are small computer files sent to or accessed from your web browser or your computer’s hard drive or mobile device's data/memory storage. HTML5 cookies can be programmed through HTML5 local storage. Cookies contain information about your device, such as a user ID, user settings, browsing history and activities conducted while using the Services. Cookies are not themselves personally identifiable, but may be linked to Personal Information that you provide to us through your interaction with the Services. A cookie typically contains the name of the domain (internet location) from which the cookie originated, and a randomly generated unique number or similar identifier.

Cookies help us improve the Services by tracking users’ navigation habits and storing users’ password, customizing your experience with the Services; enabling us to analyze technical and navigational information about the Services; and helping to detect and prevent fraud.

You may be able to set your browser to refuse all or some browser cookies, or to alert you when cookies are being sent. If you disable or refuse cookies, please note that some parts of the Services may become inaccessible or not function properly.

Web Beacons.

Small graphic images or other web programming code called web beacons (also known as “1x1 GIFs” or “clear GIFs” or “pixels”) may be included in the pages and messages of the Services. Web beacons may be invisible to you, but any electronic image or other web programming code inserted into a page or email can act as a web beacon. Web beacons or similar technologies may be used for many purposes, including without limitation, to count visitors to the Services, to monitor how you navigate the Services, to count the number of emails that were opened or the number of articles or links that were viewed.

Embedded Scripts.

An embedded script is programming code that is designed to collect information about your interactions with the Services, such as the links you click on. The code is temporarily downloaded onto your device from our web server or a third-party service provider, is active only while you are connected to the Services, and is deactivated or deleted thereafter.

Browser Fingerprinting.

This technology involves the collection and analysis of information from your device, such as, without limitation, your operating system, plug-ins, system fonts and other data, for purposes of identification.

ETag, or Entity Tag.

A feature of the cache in browsers, ETag is an opaque identifier assigned by a web server to a specific version of a resource found at a URL. If the resource content at that URL ever changes, a new and different ETag is assigned. Used in this manner, ETags are a form of device identifier. ETag tracking may generate unique tracking values even where the consumer blocks HTTP and/or HTML5 cookies.

Recognition Technologies.

Technologies, including application of statistical probability to datasets, which attempt to recognize or make assumptions about users and devices (for example, a user of multiple devices in the same user).

Location-Identifying Technologies.

Additionally, the Services may use GPS (global positioning systems) software and other location-based technologies such as iBeacons to verify your location, deliver relevant content based on your location, and allow you to share your location with other users of the Services. In addition, you may be able to send your location information via the Services to other users. You should consider the pros and cons of disclosing your location information to us and to other people. If while using the Services, you request that your location information be revealed to others, you will be provided options for managing sharing services, which may be through third-party services such as X, formerly known as Twitter, and Facebook. We are not responsible for the acts, omissions or policies of such third parties.

Web browsers allow some control of most cookies through the browser settings. To find out more about cookies, including how to manage and delete them, visit www.allaboutcookies.org. Some web browsers (including mobile) have settings that allow a user to reject cookies or to alert a user when a cookie is placed on the user’s computer, tablet or mobile device. Most mobile devices also offer settings to reject mobile device identifiers. Although you are not required to accept cookies or mobile device identifiers, blocking or rejecting them may prevent access to some features available through the Services.

How We Use Your Information

We may use the information we collect for any of the following purposes:

  • To provide the Services to you;
  • To operate, improve and personalize the products and services we offer, and to give you a more consistent and personalized experience when interacting with us through our Services and through electronic mail and/or text message (with your consent, where required by law);
  • To store information about your preferences, allowing us to customize the Services according to your individual interests;
  • To speed up your searches;
  • To recognize you when you return to the Services;
  • For customer service, security, to detect fraud or illegal activities, or for archival and backup purposes in connection with the provision of the Services;
  • To create, maintain, customize and secure your accounts and maintain the safety, security and integrity of our Services, products and services, databases and other technology assets and business;
  • To communicate with you, for example, and including without limitation, to investigate and respond to your inquiries about your policies or claims;
  • To better understand how you access and use the Services, for the purposes of trying to improve the Services and to respond to your preferences, including language and location customization, personalized help and instructions, or other responses to your usage of the Services;
  • To help us research, analyze and develop our new products and services and improve our existing products and services;
  • To provide you with advertising and direct marketing that is more relevant to you;
  • To provide you with alerts or other notices via electronic mail and/or text message concerning our products, services, events or news that may be of interest to you;
  • To respond to law enforcement requests and as required by applicable law, court order, or local, state or federal government regulations;
  • To enforce our Terms of Use or other applicable policies;
  • To assess the effectiveness of and improve advertising and other marketing and promotional activities on or in connection with the Services, and to tailor advertisements you see on other websites and mobile apps;
  • As described to you when collecting your Personal Information or as otherwise set forth in the California Consumer Privacy Act of 2018 (CCPA) as amended by the California Privacy Rights Act of 2020 (CPRA) (for California residents);
  • To evaluate or conduct merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation or similar proceeding, in which Personal Information held by us about you is among the assets transferred;
  • For internal business purposes;
  • To process your activation or registration with any of our products or services; and
  • To contact you with regard to your use of any of our products or services, and, at our discretion, changes to any of our services and products and our policies.

We may also use the information we collect from you for additional purposes with your consent.

Please note that, to provide you with a better experience and to improve the Services, information collected through the Services may be used in an aggregated or individualized manner.

Note that our use and disclosure of your Nonpublic Personal Information is described in our Privacy Notice.

For example, Personal Information collected during use of one of the Services may be used to suggest particular content that can be made available to you on another of the Services or be used to try to present more relevant advertising in another of the Services.

How We Share and Disclose Your Information

We may share and disclose your information as described at the time information is collected or as follows:

  • In compliance with our Privacy Notice. As noted above, our use and disclosure of your Nonpublic Personal Information is described in our Privacy Notice.
  • Without restriction, for certain Usage Data. We may disclose Usage Data, including aggregate Services Usage Data, without restriction.
  • To perform services. We may disclose Personal Information to third parties in order to perform services requested or functions initiated by users, such as to obtain your credit-based insurance score in connection with your application for our products and services. In addition, we may disclose Personal Information in order to identify a user in connection with communications sent through the Services. We also may offer users the opportunity to share information with friends and other users through the Services.
  • With third-party service providers performing services on our behalf. We share information, including Personal Information, with our service providers to perform the functions for which we engage them (such as hosting and data analyses). We may share information as needed to operate other related services.. We may also share information with third parties, including law enforcement, to protect our Services and to enforce our Terms of Use.
  • For legal purposes. We also may share information that we collect from users, as needed, to enforce our rights, protect our property or protect the rights, property or safety of others, or as needed to support external auditing, compliance and corporate governance functions. We will disclose Personal Information as we deem necessary to respond to a subpoena, regulation, binding order of a data protection agency, legal process, governmental request, or other legal or regulatory process. We may also share Personal Information as required to pursue available remedies or limit damages we may sustain.
  • In aggregated form. We may share Personal Information about you in an aggregated form—that is, in a statistical or summary form that does not include any personal identifiers—with third parties in order to discover and reveal trends about how users like you interact with our Services.
  • During corporate changes. We may transfer information, including your Personal Information, in connection with a merger, consolidation, sale of our assets, or other change in our business, including during the course of any due diligence process  by or of us or any affiliated company (in each case whether in whole or in part). 

Co-Branded Areas

We may provide certain parts of our Services in association with third parties, such as promotional partners or affiliates. These “co-branded areas” will identify the third party. If you choose to use these co-branded areas, we may share your information with the identified third party, and that third party may also collect information from you, in addition to the information that we collect, as described above. You should review the privacy policies of those identified third parties to understand how they collect and use information.

Information Storage and Security

We take the security of your information seriously. As such, we have implemented safeguards designed to protect information you transmit or provide through the Services.

We retain information as long as it is necessary and relevant for our operations. We also retain Personal Information from closed accounts to comply with applicable law, prevent fraud, resolve disputes, troubleshoot problems, assist with any investigation, enforce our Terms of Use, and collect any fees owed and other actions permitted by law. After it is no longer necessary for us to retain information, we dispose of it according to our data retention and deletion policies.

We employ industry-standard security measures designed to protect the security of all information submitted to, from or through the Services. The safety and security of your information also depends on you. As an added security measure, many features of the Services may require you to create a username, personal password, personal identification number (“PIN”), and other form of authorization involved in obtaining access to password protected or secure areas of any of the Services. You are responsible, however, for keeping your username, password and PIN confidential.

The transmission of information via the internet is not completely secure. Although we take measures to protect your Personal Information, we cannot guarantee the security of your Personal Information transmitted to and from the Services. Any transmission of Personal Information is at your own risk. We are not responsible for any circumvention of any privacy settings or security measures contained on the Services.

SEE SECTION BELOW TITLED “EXCLUSIONS AND LIMITATIONS; CONSUMER PROTECTION NOTICE” FOR IMPORTANT LIMITATIONS ON THE TERMS OF THIS SECTION.

In order to protect you and your information, we may suspend your use of any of the Services, without notice, pending an investigation, if any breach of security is suspected. Access to and use of password protected and/or secure areas of any of the Services are restricted to authorized users only. Unauthorized access to such areas is prohibited and may lead to criminal prosecution.

Links to Third-Party Services

The Services may contain links to third-party websites and other online services (“Third-Party Services”) with which we have no affiliation. A link to any Third-Party Service does not mean that we endorse it or the quality or accuracy of information presented on it. We are not responsible for these Third-party Services, and they may collect and use information about you. If you visit a Third-Party Service, you are subject to its privacy policy and practices, not to those of this Policy. We encourage you to carefully review the legal and privacy notices of all other digital services that you visit.

Your Rights to Access and Review Your Personal Information

It is important to us that you are able to access and review the Personal Information we have about you and make corrections to it or delete it, as necessary. You can visit your account to manage and correct the information we have on file about you. If you have any questions about how to access your Personal Information, please contact us at:

Amica Mutual Insurance Company
100 Amica Way, Lincoln, RI 02865
WebComments@amica.com

or toll-free at 800-242-6422

Analytics Websites and Targeted Ads

We may use third-party analytics services such as Google Analytics, Adobe Analytics and Firebase. These services may track details about your online activities over time and across different sites. These services help us to improve our Services. These services may also allow us and others to provide you with targeted advertisements or other content that you may be interested in based on your online activities. 

The Google Analytics service tracks and reports website traffic and provides us insight into behavior information relating to visitor age, gender and interests. Google Analytics Demographics and Interest Reporting give us insight into behavior to help us understand browsing behavior and give you a better experience when you visit our website. You can opt-out of Google Analytics for Display Advertising and customize Google Display Network ads using the Ads Settings.

These third-party services have their own privacy policies addressing how they use such information. We recommend you review their privacy policies. If you want to prevent your data from being used by Google Analytics, you may wish to take advantage of Google Analytics’ currently available opt-outs for the web.

We do not control third parties' collection or use of your information to serve interest-based advertising. These third parties may, however, provide you with ways to choose not to have your information collected or used in this way. If you would like to learn more about targeted ads that may be based on your online activities, and the choices that you may exercise for certain sites and advertisers (including opting out), you may visit the Network Advertising Initiative or the Digital Advertising Alliance. 

Please click here to opt out of being tracked by Google Analytics across all websites. You can also opt out of targeted advertising by visiting these sites: FACEBOOK, X, Pinterest, Nextdoor, GOOGLE and BING. 

Third-Party tracking and Do-Not-Track

Except as stated in this Policy, we do not track your activity across third-party websites, and we do not knowingly allow other parties to collect Personal Information about your online activities over time and across third-party websites when you use the Services.

 

Third parties may use tracking technologies in connection with our Services, which may include the collection of information about your online activities over time and across third-party websites. This Policy does not apply to these third-party technologies because we may not control them, and we are not responsible for them.

Some browsers offer a “Do-Not-Track” option. Because the providers of Do-Not-Track and similar signals do not yet operate according to common, industry-accepted standards, we do not respond to those signals. For more information about Do-Not-Track, please visit allaboutdnt.com.

Information Protection

We use commercially reasonable and industry standard security technologies and safeguards to protect the information that we collect and use. For example, we use Secure Sockets Layer (SSL) for our registration and ordering functions, and we utilize a PCI-certified service provider to process payment card payments. We also expect our service providers to protect information in the same manner. However, no data transmission over the Internet, mobile networks, wireless transmission or electronic storage of information can be guaranteed 100% secure. Please note that we cannot guarantee the security of any information you transmit to us.

Social Security Protection Policy Statement

It is our policy to protect the confidentiality of Social Security numbers (SSNs) ‎from ‎misuse ‎and improper disclosure by maintaining and enforcing physical, ‎‎‎electronic, and procedural ‎‎safeguards. We prohibit unlawful disclosure of ‎SSNs, and limit access to SSNs to our ‎personnel ‎who need access to SSNs in ‎order to perform their job functions. We do not ‎disclose SSNs to ‎third parties ‎except where required or ‎‎permitted by law.‎

Children's Privacy

The Services are not intended for children under 18 years of age. No one under age 18 may provide any Personal Information to or on the Services, and we do not knowingly collect Personal Information from children under 18. If you are under 18, do not use or provide any information on the Services, register on the Services, make any purchases through the Services, obtain any quotes through the Services, file any claims through the Services, use any of the interactive features of the Services or provide any information about yourself to us, including your name, address, telephone number, email address, or any screen name or username. If we learn we have collected or received personal information from a child under the age of 13 without verification of parental consent, we will delete that information. If you believe we might have any information from or about a child under 13, please contact us at 800-242-6422.

Your California Privacy Rights

If you are a California resident, please see our California Consumer Privacy Act Privacy Policy, which provides additional details about how we handle your Personal Information and how you can exercise your rights under the California Consumer Privacy Act. To the extent provisions of this Privacy Policy conflict or are inconsistent with the provisions of our California Consumer Privacy Act Privacy Policy, the terms of our California Consumer Privacy Act Privacy Policy shall prevail.

Under §1798.83, known as California’s “Shine the Light” law, California residents who provide Personal Information in connection with purchasing products or services from us may request a disclosure of what Personal Information, if any, we have shared with other businesses for their own direct marketing purposes. Such a request may be made by sending an email message to WebComments@amica.com with “Request for California Privacy Information” in the subject line. In response to such a request, we will provide information as required by the California law for the previous calendar year concerning such other businesses and the categories of Personal Information, if any, that we have shared with them.

Transfer of Information to the United States

If you are from a non-U.S. country, please be aware that the Personal Information you submit, including information provided through our Services, is being sent to a location in the United States. The data protection laws in the United States are likely different from those of the country in which you are located, and your Personal Information may be subject to access requests from governments, courts, or law enforcement in the United States according to laws of the United States. By providing such Personal Information through the Services, you are consenting to (and represent that you have authority to consent to) the transfer of such information to the United States for the uses and purposes described in this Policy. Without limiting the above, for the avoidance of doubt we do not have an establishment or target people in the EEA or UK. 

Changes to This Online Privacy Policy

We may update this Policy from time to time. If we make material changes, we will post the new Policy on this page with a notice that the Policy has been updated.

Any changes to our Privacy Notice will be made in accordance with our Privacy Notice.

EXCLUSIONS AND LIMITATIONS; CONSUMER PROTECTION NOTICE

If you are a consumer, the provisions in this Policy are intended to be only as broad and inclusive as is permitted by the laws of your state of residence. For example, if you are a New Jersey consumer, the Section above titled “Information Storage and Security” does not limit or waive your rights as a consumer under New Jersey law. The provisions in this Policy are intended to be only as broad and inclusive as is permitted by the laws of the State of New Jersey or your state of residence. Amica reserves all rights, defenses and permissible limitations under the law of your state of residence.

Contact Information

To ask questions or comment about this Policy and our privacy practices, contact us at:

100 Amica Way
Lincoln, RI 02865
WebComments@amica.com

or via our toll-free number: 800-242-6422