UPDATED: November 1, 2020
- The types of information, including personal information, that we collect
- How we use the information we collect
- How we may share the information we have collected with third parties
- The security of the information
- How you can access and update or modify your information
- How you can let us know if you do not want us to use your information in certain ways
CONSUMER PRIVACY NOTICE FOR FINANCIAL SERVICES
We also may include the Consumer Privacy Notice for Financial Services yearly in our magazine publication.
Information We Collect
What We Collect Online
We collect certain “Personal Information” (as defined below) about you when you provide it to us or to third party sources while using the Website or other online resources, including social media resources and mobile applications. For example, you may provide us with certain Personal Information and other information when you fill out an online application for membership, or a request for services, (e.g. travel services, automotive services or insurance services) or when you sign up online to participate in some programs (including sweepstakes or contests), including those that we do with other parties, or to receive notifications or elect to receive certain emails or text messages, or provide us with information on our online discounts and shopping platform, or respond to a survey. For each visitor to our Website, our web server automatically collects the visitor’s IP address. We also collect non-personally identifiable information about visitors’ web activity and equipment. This information includes the operating system a visitor is using, the date and time the user visited the Website, referring URLs (what website the visitor came from), Internet service provider, browser type, device identifier, and information on the pages that visitors’ access or visit. Most non-personally identifiable information is collected via cookies or other analysis technologies, and is discussed in greater detail below under “Cookies and Interest-Based Advertising.”
What We Collect Offline
We may also obtain other information about you, including Personal Information, when you interact with us, or our agents or contractors, or other third party sources outside of our Website or mobile apps, such as in person, over the phone or by mail, text or email. For example, we may obtain Personal Information from you when you provide it to us by filling out applications or other forms or providing Personal Information by other means in order to apply for or obtain AAA Club Alliance memberships, products and services, such as roadside assistance or auto repair, insurance services or book travel services or submit contest or sweepstakes entries or survey responses or if needed to confirm your identity. When calling 800-AAA-HELP (800-222-4357), your location may be obtained to route your call to the nearest AAA Roadside Assistance Center, or when using the Website or the mobile app, to help provide services. Also, when someone requests that AAA Club Alliance provide them with Roadside Assistance, we will ask them to show us their membership card and their driver’s license which we will ask to scan to confirm that the person who requested the Roadside Assistance is the member, and in order to prevent misuse or fraudulent use of a member's account. We may also obtain Personal Information about you from third parties, including information about products or services you may have purchased through us from such third parties, or if you chose to participate in activities performed by such third parties with or on behalf of us, or through another AAA club organization, or through our affiliates or businesses that provide special offers or services to AAA members. For example, if you rent a car through AAA Club Alliance’s arrangement with Hertz, we may be provided with Personal Information regarding your rental. In addition, information we receive from third-party providers helps us verify the information you have given us or to add demographic or other information to help us better understand your potential needs for additional products or services. We may combine information that we receive about you from our Website or social media resources or mobile apps with information we receive about you from offline sources.
You may also give us information about other persons, such as your family members, or friends or your employees or clients, which we will use for the purpose you provide it, but then you are responsible for obtaining any required permission to share this information with us.
“Personal Information” is defined as information related to your membership and/or your transactions with us or that allows someone to identify or contact you, such as (a) your first name or first initial and last name, address, zip code, email addresses and telephone numbers, and your AAA membership number; (b) age, date of birth, gender and marital status and family information, military identification information and veteran status; (c) payment or credit histories, wage/salary information, income data, account balances, credit card, bank account or debit card numbers and other payment information; and (d) other non-public sensitive personal information, such as part or all of your social security number, passport number, alien registration number, driver’s license number, other state identification numbers, VIN numbers, user names and passwords or security or access codes or authentication information, insurance policy information and identification numbers, personal health information, biometric identifiers, and geolocation information, and any other personal information that is protected by applicable federal or state laws, rules or regulations or industry requirements. Personal Information also may be referred to as “nonpublic personal information” or “personally identifiable information”.
How We May Use Information
We may use the information we collect (including Personal Information) individually, or combine it with other information to generate aggregate statistical information. When we aggregate information it does not identify you personally. The primary uses of the information we collect include:
- To provide products, programs and services you have requested or are entitled to receive as a member;
- To notify you about new products, programs and services and events unless you have opted out of receiving certain types of notifications (including for different business areas), or all emails, text messages or mailings;
- 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 online and offline, such as through the Website or a mobile app;
- For customer service, data security, cybersecurity, to detect fraud or illegal activities, and/or for archival and backup purposes in connection with the provision of the Website, mobile applications and providing our products and services, and to comply with applicable laws, rules and regulations and industry requirements;
- To send to you or have third parties send marketing materials and communications to you about products and services we think may be of interest to you or that you identify that you want to receive (unless you have opted out of receiving certain types of marketing communications);
- To communicate with you, or respond to your inquiries, including through email, telephone and text messaging (as you have consented to);
- To perform market research via surveys or to perform analytics and research to better serve your needs and to improve the effectiveness of our Website, social media resources, mobile applications, your member experience, our various types of communications, advertising campaigns, and/or promotional activities;
- To show online advertisements that are more relevant to your interests;
- To cooperate with law enforcement or other regulatory agency activities;
- To otherwise conduct our business as may be required by or in order to comply with applicable federal and state laws, rules and regulations, and industry requirements.
How We May Share Information
We may share and disclose information including Personal Information as described at the time information is collected or as follows:
With Our Affiliates and Certain Non-Affiliated Companies
We may share information about you, including certain Personal Information, with our affiliates and subsidiaries, other AAA clubs, AAA National organization, preferred travel partners, companies that offer our members discounts through the AAA Discounts and Rewards Program, and other non-affiliated companies that provide goods, services and/or AAA member benefits to you, including Roadside Assistance, driving school, insurance and other financial services, transportation services, and health related services. We only share your information in this way to offer you products and services that may meet your interests and needs and to effect transactions, programs and services that you authorize or request. The companies outside our own affiliates are permitted to use this information, including Personal Information, only to promote their products and services offered through us to you, or to provide goods, services, member benefits, or effect transactions, programs and/or services, and are not permitted to share your information or to use it for any other purpose without our or your specific consent. We are not liable for the privacy policies or information security practices of any such non-affiliated companies so you should review their privacy policies.
With Our Service Providers
We share information, including Personal Information, with our service providers and contractors as needed so that they can perform the functions for which we engage them (such as Website hosting and data analyses, providing information systems for storing or processing our business data, with respect to our provision of services, sending communications and processing credit card payments). We may also share information as needed to operate the Website, mobile applications and our information systems and other aspects of our business.
For Legal Purposes
We also may share information that we collect 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 information, including Personal Information, as we deem necessary to respond to a subpoena, warrant, governmental request, legal investigation, court order or other legal or regulatory process or to comply with reporting and other legal requirements (including relating to any data security breaches) or when necessary to protect our members, customers and others.
We may transfer information, including your Personal Information, in connection with our, or any of our affiliates’ participation in (in each case whether in whole or in part) a merger, sale, reorganization, joint venture, acquisition or other change of ownership or control by or of us or any affiliated company. If this occurs, we will disclose your information in accordance with applicable law, and will notify you if required by law or other agreement.
Security of Your Information
We utilize a variety of industry standard security technologies and have internal security practices to safeguard the information we have about you and to protect the privacy and confidentiality of your Personal Information and transactions with us, and to comply with applicable federal and state laws, rules and regulations and industry regulations. We use administrative, technical and physical safeguards designed to restrict access to all of your Personal Information and account information to those AAA Club Alliance employees, agents, independent contractors or service providers who have a legitimate business need for such information with respect to our services and we require them to agree to protect such information. However, the security of information transmitted through the Internet or via e-mail or other means, can never be guaranteed. We are not responsible for any interception or interruption of any communications by you through the Internet or sent to us through your email, or for changes to or losses of data. Users of the Website are responsible for maintaining the security of any password, user ID or other form of authentication involved in obtaining access to password protected or secure areas of the Website. You should recognize that your use of the Internet and the Website is solely at your own risk. However, we do offer to members an identity theft monitoring program that may help you safeguard your financial security. If any data security breach of any personal information or confidential information is suspected or has occurred, we may suspend use of any of the Website, mobile applications or other systems, without notice, to protect personal information and any other types of information while we investigate the issue. Access to and use of password-protected and/or secure areas of any of the Website, mobile applications or other systems is restricted to authorized users only. Unauthorized access to such areas is prohibited.
Emails and Text Messages
We try to strike a balance between the security of your Personal Information and account information and your convenience. We note that we may send you an e-mail or a text message in unencrypted form (i.e. instantly readable) because many of our members and customers are unable to access encrypted (i.e. coded) e-mails or texts. This means that such message, if misrouted or intercepted, could be read more easily than encrypted messages. For this reason, please do not include confidential information or certain Personal Information, such as your credit card number, passport numbers, driver’s license numbers, or account passwords, in any unencrypted e-mail or text you send to us.
On our Website, you may be able to choose to use a send or share service to send information from the Website to someone else. In such case we will ask you for certain Personal Information of such persons, such as their email address, as well as your name and email address. The information you provide will be used to send a single message by us on your behalf. This information will not be collected or stored for any additional purpose. By providing us with this information you affirm that you are entitled to provide it to us.
We may also enable you to post content to social networking sites (e.g. Facebook, Instagram, Twitter, LinkedIn, YouTube) for purposes such as answering some questions or asking questions or providing comments. If you choose to do this you acknowledge that you are responsible for your use of a social networking site. We are not responsible for the availability or accuracy of such social networking sites or your use of such sites. You also should not include any confidential information and certain types of Personal Information in any post you make to a public area of a third party social network page, especially since any such posting immediately becomes public.
Linking From AAA.com to other Websites
Note about Children
We do not knowingly solicit, collect or maintain Personal Information directly from any person under the age of thirteen (however, if their Personal Information is provided to us by their parents, for example, in connection with travel services or transportation services, such persons are therefore providing any legally required parental consents by doing this). No parts of our Services are directed to or designed to attract anyone under the age of thirteen directly.
We use “cookies” or “web beacons” (also called “clear GIFs” or “pixel tags”) to obtain certain types of information when your web browser accesses our Website.
What are cookies? Cookies are small pieces of information that a website transfers to your computer’s hard drive while you are viewing the Website for record keeping and other purposes. Cookies make navigating the Web easier for you by saving your registration, passwords and preferences while you’re at the Website. By using cookies, we can serve you better since they help us understand what information interests you.
Web beacons are small graphic files with a unique identifier, similar in function to cookies which are used to track online movements of Web users.
We also use clear gif tracking images on some of our pages and in our HTML e-mails that we send you to determine open rates.
What to do if you do not want cookies used:
Do Not Track Features:
The Website and our affiliates’ websites are not meant to be used by persons residing or located outside of the United States and also by persons not residing in the states or jurisdictions where we are licensed to do business. The services and products offered on our Website are available to or for use only by persons located in the United States where we are licensed to do business. And our club members must reside in the states/territories where we operate.
If you are a member and want to update or modify your Personal Information, please go to My Account (https://cluballiance.aaa.com/membership/account) or contact Member Services at 866-636-2377.
If you want to opt out of receiving future marketing or promotional emails, text messages, mailings, or telephone calls, please go to https://cluballiance.aaa.com/prefcenter or follow the directions in the communications or contact us at 1-800-763-9900.
AAA Club Alliance Inc.
One River Place
Wilmington, DE 19801
Attn: Legal Department—Privacy
CONSUMER PRIVACY NOTICE FOR FINANCIAL SERVICES
AAA Club Alliance Inc.
AAA Club Alliance Inc. and certain of its affiliates, including but not limited to ACA Club Insurance Agency, Inc. formerly known as Club Services Corporation, AAA Mid-Atlantic Insurance Agency Inc. and AAA Allied Insurance Services, Inc. (collectively for purposes of this Consumer Privacy Notice, “AAA Club Alliance”) may provide you with financial products and services such as insurance, automobile and personal loans, and online savings accounts and credit card applications. In connection with providing those financial products or services, AAA Club Alliance may obtain from you or others personally identifiable information that is not publicly available information (“nonpublic personal information”). This Consumer Privacy Notice applies to the collection, use and security of your nonpublic personal information by AAA Club Alliance.
What Information We Collect
Nonpublic personal information we may collect includes information we receive from you on applications or other forms, through conversations or by telephone, or email or text messages, information about your transactions with us, information provided by insurance-support organizations, Bureaus of Motor Vehicles, current and prior insurers, government agencies, credit reporting agencies information and information from your visits to our websites or mobile apps or if you are a member. For example, depending on the product, your nonpublic personal information includes your name, address, email address, telephone number, date of birth, personal demographics (gender, marital status and military identification information and veteran status), social security number, details of insurance coverage, claims, account and payment history, policy identification numbers, credit history and credit scores, credit card, bank account or debit card information, passport numbers, driver’s license numbers and vehicle identifiers, driving history and other motor vehicle records, employment information, income and tax data, personal health information (including diagnosis and treatment information, and biometric identifiers) and transactions history with us and our affiliates (individually or collectively your “NPI”).
What Information We Disclose
The limited circumstances under which we may disclose a customer’s NPI include: to the extent necessary to service or process an application or other services related to insurance or other financial products or services that you requested, authorized or are entitled to receive as a member; to maintain your account; with your consent or at your direction; to respond to a subpoena, court orders or legal investigation; to comply with federal, state or local laws or regulations; and to protect against fraud and identity theft. For example, in connection with issuing an insurance policy, we may disclose NPI to potential insurance companies and consumer reporting agencies. We may also disclose NPI to companies that perform services for us and with whom we have a non-disclosure agreement. For instance, we have service providers with whom we contract to process applications and renewals, administer the policy, and perform customer surveys and research. Information we obtain from a report prepared by an insurance-support organization may be retained and disclosed by that organization. We may also share NPI in the course of referring you to one of our other affiliates or to non-affiliates that market insurance or financial products that may be of interest to you. We may also share NPI with other AAA Clubs or financial institutions under joint marketing agreements, and with non-affiliates that help us develop and market insurance or financial products.
Our Security Procedures
We use administrative, technical, electronic and physical safeguards designed to protect your NPI and protect our information systems, comply with applicable federal and state laws, rules and regulations, and industry requirements, and to restrict access to all of your NPI to those AAA Club Alliance employees and agents who need to know that information in order to serve you or to permitted service providers.
If you suspect any identity theft or fraud of your NPI, notify us and your local law enforcement agency.
Federal law gives you the right to limit sharing of NPI about your creditworthiness with our affiliates and to limit sharing of your NPI with our affiliates and non-affiliates for marketing purposes. If you choose to limit marketing with our affiliates, your choice will apply for at least five years from when you tell us your choice, and you do not need to act again until we send you a renewal notice. You may contact us using the methods listed below to “opt out” of these types of sharing. Please note this ability to opt out only applies to certain types of sharing by AAA Club Alliance affiliates that provide financial products and services and not to any other services or products offered by AAA Club Alliance.