UPDATED: June 17, 2019
- The types of information that we collect
- How we use the information we collect
- How we may share the information with third parties
- The security of the information
- How you can access and update your information
CONSUMER PRIVACY NOTICE FOR FINANCIAL SERVICES
Information We Collect
What We Collect Online
We collect certain “Personal Information” (as defined below) about you when you provide it to us 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, or when you sign up online to receive notifications or elect to receive certain emails or text messages, 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 outside of our Website, such as in person, over the phone or by mail, text or email or through our mobile apps. 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, 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 the Organization provide 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 to prevent misuse 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 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, data we receive from third-party providers helps us verify 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 with information we receive about you from offline sources. You may also give us information about other persons which we will use for the purpose you provide it, but you are responsible for obtaining any required permission to do this.
“Personal Information” is defined as information related to your membership and your transactions with us such as (a) contact information (such as your name, address, zip code, email address and telephone number), (b) demographic information (such as age, date of birth, gender and marital status and family information) and (c) payment or credit histories, wage information, account balances, credit card, bank account or debit card numbers and other payment information, part or all of your social security number, passport number, driver’s license numbers, other state identification numbers, VIN numbers, user names and passwords, insurance policy information and numbers, personal health information, membership number, and geolocation information. Personal Information also may be referred to as “nonpublic personal 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 include:
- To provide products, programs and services you have requested or are entitled to receive as a member or to notify you about new products, programs and services (unless you have opted out of receiving certain notifications);
- 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, security, to detect fraud or illegal activities, and/or for archival and backup purposes in connection with the provision of the Website and providing our products and services, and to comply with applicable laws, rules and regulations;
- To send 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, 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.
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 affiliated companies, 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 member benefits to you, including Roadside Assistance, insurance and other financial 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 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 such non-affiliated companies.
With Our Service Providers
We share information, including Personal Information, with our service providers and contractors 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 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, governmental request, court order or other legal or regulatory process or to comply with reporting and other legal requirements 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, acquisition or other change of ownership or control by or of us or any affiliated company.
Security of Your Information
We utilize industry standard 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. 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. 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 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 breach of security is suspected, we may suspend your use of any of the Website, or other systems, without notice, to protect you and your data while we investigate the issue. Access to and use of password-protected and/or secure areas of any of the Website 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, 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). 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
We do not knowingly collect or maintain Personal Information from any person under the age of thirteen. No parts of our Services are directed to or designed to attract anyone under the age of thirteen.
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 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.
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:
and follow the simple opt-out process. If you decline cookies, you may have difficulty navigating our Website, which could adversely impact your AAA online experience. A couple of important notes about this opt-out tool: (1) it includes all the advertising networks that we may work with, and many advertising networks that we do not work with, and (2) it may rely on cookies (called “Opt-out Cookies”) to ensure that a given advertising network does not collect information about you. An explanation of how Opt-out Cookies work can be found on www.aboutads.info. If you use different equipment, change web browsers or delete these Opt-out Cookies from your computer, you will need to perform the opt-out task again. Visitors desiring to prevent data from being collected by Google Analytics may use the opt-out browser add-on https://tools.google.com/dlpage/gaoptout/ developed by Google for this purpose.
Do Not Track Features:
This website is not meant to be used by persons located outside of the United States. The services and products offered on our website are available to or for use only by persons located in the United States or in jurisdictions 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 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 AAA.com/optout 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 or certain of its affiliates, including but not limited to AAA Allied Insurance Services Inc., AAA Mid-Atlantic Insurance Agency Inc. and Club Services Corporation (collectively for purposes of this Consumer Privacy Notice, “AAA Club Alliance”) may provide you with financial products and services such as insurance, 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 (“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, 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 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), social security number, details of insurance coverage, claims and payment history, credit history and credit scores, driving history and other motor vehicle records, employment information, income and tax data, personal health information 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. 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 and regulations, 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.
- Call 1-800-763-9900 and talk to one of our representatives
- Visit AAA.com/optout