Privacy Policy

(Last updated December 14, 2023)

At Progressive, we're committed to protecting your privacy and earning your trust. We understand that you value your privacy, and that you may have questions about how we use the data collected through our Mobile Application (“App”). That’s why in addition to our commitment to you in our Privacy & Security Policy at progressive.com, we want to clearly describe the data we collect through our App and how we use it in this App Privacy Policy.

First, we describe the personal information we collect about you as a current or former insured customer and how we use it. We then describe the personal information we collect about you through enabled features, including Snapshot, Accident Response, and Weather Alerts.

Current & Former Insured Customers Using the App

What does Progressive do with your personal information?

Why?

Financial companies choose how they share your personal information. Applicable law gives consumers the right to limit some but not all sharing. The law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

  • Social Security number and credit history
  • Account transactions and payment history
  • Transactions or loss and insurance claim history
  • Your location. You can configure location services in your mobile device's settings.

When you are no longer our customer, we continue to share your information as described in this notice.

How?

All financial companies need to share customer’s personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Progressive chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information Does Progressive share? Can you limit sharing?
For our everyday business purposes— such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus Yes No
For our marketing purposes— to offer our products and services to you Yes No
For joint marketing with other financial companies Yes No
For our affiliates’ everyday business purposes— information about your transactions and experiences Yes No
For our affiliates’ everyday business purposes— information about your creditworthiness No We don't share
For our affiliates to market to you Yes Yes
For our nonaffiliates to market to you No We don't share

To limit our sharing

Call toll-free 1-844-582-5040 — we will prompt you through your choice.

Please note:

If you are a new customer, we can begin sharing your information 30 days from the date we provided this notice. When you are no longer our customer, we continue to share your information as described in this notice.

However, you can contact us at any time to limit our sharing.

Questions?

Call 1-800-PROGRESSIVE or go to progressive.com/privacy.

Who we are
Who is providing this notice? The Progressive Group of Companies, which includes insurance companies and agencies.
What we do
How does Progressive protect my personal information? To protect your personal information from unauthorized access and use, we limit access to the data we receive and use physical, electronic and procedural safeguards to help protect it and your privacy. We use security measures including computer safeguards and secured files and buildings.
How does Progressive collect my personal information? We collect your personal information, for example, when you
  • give us your contact information or provide account information
  • apply for insurance or pay insurance premiums
  • file an insurance claim
Why can’t I limit all sharing? Federal law gives you the right to limit only
  • sharing for affiliates’ everyday business purposes—information about your creditworthiness
  • affiliates from using your information to market to you
  • sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.
What happens when I limit sharing for a policy I hold jointly with someone else? Your choices will apply to everyone on your policy.
Definitions
Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.
  • Our affiliates include companies with a Progressive name and financial companies such as insurance companies and agencies
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.
  • Progressive does not share with nonaffiliates so they can market to you
Joint Marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
  • Our joint marketing entities include insurance companies and agencies

Other Important Information

State Laws

In some states, you may limit the sharing of your personal information for joint marketing with other financial companies. Progressive doesn’t share your personal information for joint marketing in these states.

State laws require that we disclose that:

  • Information we obtain from consumer reporting agencies may be kept by them and disclosed to other persons.
  • You can contact Customer Service to review and correct information we have about you.
  • To the extent that state law is more protective than federal law, we will follow the state law. State-specific privacy policies are available at progressive.com/privacy.
  • If you are a victim of abuse, you can help protect confidential abuse information, such as your address and telephone number, from disclosure to an abusive family or household member, partner or caretaker by contacting Customer Service to place your insurance policy in your name.

This notice is from our family of companies, the full list of which is available at progressive.com/copyright/#underwriting. Our family of companies also includes ARX Holding Corp. and the entities that it directly or indirectly majority owns or controls. Those companies are governed by a separate privacy policy available at https://americanstrategic.com/privacy/.

California Consumer Privacy Act Supplement to Privacy Policy

This Supplement ("Supplement") describes our collection and use of Personal Information (as defined in the “Notice at Collection” below) that is subject to the California Consumer Privacy Act (the "CCPA"). This Supplement also describes the rights of Consumers under the CCPA. This Supplement does not apply to information that is exempt from the CCPA. This Supplement controls if there is a conflict with our Privacy Policy.

Our Personal Information practices

We collected each of the categories of Personal Information listed in the "Notice at Collection" below during the twelve months preceding the date of this notice (the "past year").

We collect Personal Information for the Purposes listed in the Notice at Collection.

The categories of our sources for Personal Information about Consumers include:

  • Advertising networks, lead sources or aggregators, or other third-party sites, web browsers or search engines
  • Consumers or our observation of consumers
  • Data analytics providers
  • Data brokers
  • Government entities
  • Insurance agents and brokers
  • Internet service providers
  • Operating systems and platforms
  • Our service providers
  • Persons involved in insurance claims, litigation, or fraud prevention or detection
  • Social networks
  • Third-party product providers

We disclose each of the categories of Personal Information listed in the Notice at Collection. During the past year, we disclosed the following Personal Information for business purposes: Identifiers, CCR Categories, Protected Classifications, Commercial Information, Internet or Other Electronic Network Activity Information; Geolocation Data; Sensory Data; Professional or Employment-Related Information; Education Information; Inferences; Sensitive Identifiers; Sensitive Account Information; Sensitive Demographics, Sensitive Communications; Sensitive Health Information; and Sensitive Sexual Information. All of this information may be disclosed within our family of companies.

We make these disclosures for the Purposes listed in the Notice at Collection.

During the past year, we sold or shared Identifiers, Internet or Other Electronic Network Activity Information, Professional or Employment-Related Information, and Commercial Information to or with advertising networks, lead sources and aggregators, or other third-party sites, web browsers or search engines; data analytics providers; and data brokers for the following purposes:

  • Claims and litigation. This includes disclosures of Personal Information needed to access third-party products used for claims purposes.
  • Helping ensure our ability to detect security incidents, resist malicious, fraudulent or illegal activity, and report and help prosecute such activity and help protect people's physical safety.
  • Marketing and advertising products and services offered by us or others, lead monetization, and associated research and analysis. This includes Cross-Context Behavioral Advertising purposes such as compensation for leads and analysis of advertising effectiveness. "Cross-Context Behavioral Advertising" means targeting advertising to a Consumer based on the Consumer's Personal Information obtained from that person's activity across businesses, distinctly-branded websites, applications, or services, other than the business, distinctly-branded website, application, or service with which the person intentionally interacts.
  • Provide, process and service our products or offerings (e.g., maintaining or servicing policies, providing other consumer service, processing or fulfilling transactions and payments, verifying consumer information, communications, etc.). This includes disclosures of Personal Information needed to access third-party products used for underwriting purposes.
  • Analytics, research & development, pricing, and improving or upgrading our offerings.

During the past year, we otherwise disclosed the following Personal Information to third parties:

  • Identifiers, CCR Categories and Commercial Information were disclosed to our insureds; insurance agents or brokers; persons involved in insurance claims, litigation, or fraud prevention or detection; additional insureds, loss payees or other third parties as directed by insureds or insurance agents; third-party product providers; vendors we use; and government entities. Purposes for these disclosures included claims and litigation; compliance and related purposes, including, without limitation, making disclosures required by law or regulation, for governmental investigations or processes, or to our attorneys, accountants and auditors; helping ensure our ability to detect security incidents, resist malicious, fraudulent or illegal activity, and report and help prosecute such activity and help protect people’s physical safety; and providing, processing and servicing our products or offerings (e.g., maintaining or servicing policies, providing other consumer service, processing or fulfilling transactions and payments, verifying consumer information, communications, etc.).
  • Protected Classifications were disclosed to insurance agents or brokers; persons involved in insurance claims, litigation, or fraud prevention or detection; and government entities. Purposes for these disclosures included claims and litigation; compliance and related purposes, including, without limitation, making disclosures required by law or regulation, for governmental investigations or processes, or to our attorneys, accountants and auditors; helping ensure our ability to detect security incidents, resist malicious, fraudulent or illegal activity, and report and help prosecute such activity and help protect people’s physical safety; and providing, processing and servicing our products or offerings (e.g., maintaining or servicing policies, providing other consumer service, processing or fulfilling transactions and payments, verifying consumer information, communications, etc.).
  • Internet or Other Electronic Network Activity Information was disclosed to third-party product providers. Purposes for these disclosures included providing, processing and servicing our products or offerings (e.g., maintaining or servicing policies, providing other consumer service, processing or fulfilling transactions and payments, verifying consumer information, communications, etc.).
  • Geolocation Data was disclosed to persons involved in insurance claims, litigation, or fraud prevention or detection. Purposes for these disclosures included claims and litigation and helping ensure our ability to detect security incidents, resist malicious, fraudulent or illegal activity, and report and help prosecute such activity and help protect people’s physical safety.
  • Sensory Data was disclosed to persons involved in insurance claims, litigation, and fraud prevention and detection and government entities. Purposes for these disclosures included claims and litigation; compliance and related purposes, including, without limitation, making disclosures required by law or regulation, for governmental investigations or processes, or to our attorneys, accountants and auditors and for helping ensure our ability to detect security incidents, resist malicious, fraudulent or illegal activity, and report and help prosecute such activity and help protect people’s physical safety.
  • Professional or Employment-Related Information was disclosed to persons involved in insurance claims, litigation, or fraud prevention or detection; additional insureds, loss payees, or other third parties as directed by insureds or insurance agents; third-party product providers; and government entities. Purposes for these disclosures included claims and litigation; compliance and related purposes, including, without limitation, making disclosures required by law or regulation, for governmental investigations or processes, or to our attorneys, accountants and auditors; and providing, processing and servicing our products or offerings (e.g., maintaining or servicing policies, providing other consumer service, processing or fulfilling transactions and payments, verifying consumer information, communications, etc.).
  • Education Information was disclosed to persons involved in insurance claims, litigation, or fraud prevention or detection and to third-party product providers. Purposes for these disclosures included claims and litigation; compliance and related purposes, including, without limitation, making disclosures required by law or regulation, for governmental investigations or processes, or to our attorneys, accountants and auditors; and providing, processing and servicing our products or offerings (e.g., maintaining or servicing policies, providing other consumer service, processing or fulfilling transactions and payments, verifying consumer information, communications, etc.).
  • Sensitive Identifiers were disclosed to insurance agents or brokers; persons involved in insurance claims, litigation, or fraud prevention or detection; and government entities. Purposes for these disclosures included claims and litigation; compliance and related purposes, including, without limitation, making disclosures required by law or regulation, for governmental investigations or processes, or to our attorneys, accountants and auditors; and providing, processing and servicing our products or offerings (e.g., maintaining or servicing policies, providing other consumer service, processing or fulfilling transactions and payments, verifying consumer information, communications, etc.).
  • Sensitive Demographics were disclosed to persons involved in insurance claims, litigation, or fraud prevention or detection and government entities. Purposes for these disclosures included claims and litigation; compliance and related purposes, including, without limitation, making disclosures required by law or regulation, for governmental investigations or processes, or to our attorneys, accountants and auditors; and providing, processing and servicing our products or offerings (e.g., maintaining or servicing policies, providing other consumer service, processing or fulfilling transactions and payments, verifying consumer information, communications, etc.).
  • Sensitive Communications were disclosed to persons involved in insurance claims, litigation, or fraud prevention or detection. Purposes for these disclosures included claims and litigation and for compliance and related purposes, including, without limitation, making disclosures required by law or regulation, for governmental investigations or processes, or to our attorneys, accountants and auditors.
  • Sensitive Health Information was disclosed to government entities and to persons involved in insurance claims, litigation, or fraud prevention or detection. Purposes for these disclosures included claims and litigation; compliance and related purposes, including, without limitation, making disclosures required by law or regulation, for governmental investigations or processes, or to our attorneys, accountants and auditors; and helping ensure our ability to detect security incidents, resist malicious, fraudulent or illegal activity, and report and help prosecute such activity and help protect people’s physical safety.
  • Sensitive Sexual Information was disclosed to persons involved in insurance claims, litigation, or fraud prevention or detection. Purposes for these disclosures included claims and litigation.

We do not use or disclose the "Sensitive Personal Information" described in the "Notice at Collection" below for purposes other than those specified by the CCPA and its regulations.

To our knowledge, we do not sell Personal Information about Consumers under sixteen years old or share it with others for Cross-Context Behavioral Advertising.

Your rights to delete, discover and correct

To the extent provided by law, you are entitled to receive a "Notice at Collection," which we have attached to this Supplement.

To the extent provided by law, you may request that we:

  • delete Personal Information that we collected from you;
  • correct inaccurate Personal Information that we maintain about you; and
  • disclose the following to you free of charge:
    • the categories of Personal Information we collected about you;
    • the categories of sources from which it is collected;
    • our purpose for collecting, selling or sharing Personal Information;
    • the categories of third parties to whom we disclose Personal Information;
    • the specific pieces of Personal Information we collected about you;
    • the categories of Personal Information about you that we sold or shared and the categories of third parties to whom the Personal Information was sold or shared; and
    • the categories of Personal Information about you that we disclosed for a business purpose and the categories of persons to whom it was disclosed.

You may exercise the rights described above by using the form at privacyrequest.progressive.com or by calling us toll-free at 1-855-955-0742.

Your CCPA opt-out rights

You may opt-out of our sharing Personal Information about you for Cross-Context Behavioral Advertising purposes, as well as from any sales by us of that information. You may exercise this right at privacyrequest.progressive.com.

We will honor any Global Privacy Control ("GPC") signals that indicate your preference to opt-out of sales or sharing of your Personal Information. You may enable this on many browsers' settings or by downloading a GPC extension for applicable browsers. GPC opt-outs are applied at the browser level. If you clear the cookies cache on your browser, websites such as ours will not be able to recognize your prior GPC opt-out, but you may opt-out again by re-enabling or downloading the GPC setting extension or by notifying us at privacyrequest.progressive.com.

Nondiscrimination

We will not discriminate against you for exercising your rights under the CCPA. However, we may charge a different price for goods or services if the difference is reasonably related to the value of your Personal Information.

Verifying requests

If you request to delete, correct, or discover Personal Information, we will attempt to verify your identity by trying to match identifying information provided by you to Personal Information about you that we have. If we do not have enough information to match, we may try to contact you to verify your identity. Examples of information you may be asked to provide include your name, address history, and information about your interactions with us. If you want us to disclose specific pieces of Personal Information that we collected about you or delete Personal Information that we collected from you, you may also be asked to provide a copy of the front and back of your driver's license or other government-issued identification card. We will notify you if we cannot timely verify that you are the consumer about whom we have collected Personal Information.

How an agent can make requests on your behalf

You may designate an agent to make requests on your behalf. To make such a request, your agent may use privacyrequest.progressive.com or call us toll-free at 1-855-955-0742. The agent must provide us with a power of attorney from you or your signed permission authorizing the agent to make the request for you. If the agent requests disclosure of specific pieces of personal information or deletion of personal information, the agent may also be asked to send us a copy of the front and back of your driver's license or other government-issued identification card. If the agent does not provide us with a power of attorney, we may contact you to directly verify with you your identity and that you gave the agent permission to submit the request.

Questions and concerns

If you want to access this notice in a different format because of disability, or if you have any other CCPA questions or concerns, you may contact us at privacyrequest.progressive.com or call us at 1-855-955-0742.

Date

The foregoing Supplement was last updated as of December 14, 2023.

Metrics regarding 2022 CCPA requests from Californians

We received 35 requests to know. We complied with 28 of those requests in whole or part. We denied 7 of those requests. The mean number of days for processing was 6.

We received 41 requests to delete. We complied with 26 of those requests in whole or part. We denied 15 of those requests. The mean number of days for processing was 12.

We received 28 opt-out requests. We complied with 24 of those requests in whole or part. We denied 4 of those requests. The mean number of days for processing was 11.

Requests were denied due to unverifiable consumer identity or valid CCPA exemption.

For ensuing-year updates to these numbers, see the California privacy policy at https://www.progressive.com/privacy/.

California Notice at Collection

This Notice applies only to California residents ("Consumers") concerning Personal Information that is subject to the California Consumer Privacy Act ("CCPA"). This Notice does not apply to information that is exempt from the CCPA.

"Personal Information" is information that identifies, relates to, describes, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular Consumer or household in California. It includes the following categories:

  • "Identifiers" such as a real name, alias, postal address, unique personal identifier, online identifier, internet protocol address, email address, account name, Social Security number, driver's license number, passport number, or other similar identifiers.
  • "CCR Categories," which may include the following categories of Personal Information described in the California Customer Records statute: name, signature, Social Security number, physical characteristics or description, address, driver's license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information.
  • "Protected Classification Characteristics" under California or federal law such as age, marital status, and gender.
  • "Commercial Information," which may include records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.
  • "Internet or Other Electronic Network Activity Information," which may include website information, browsing history, search history, information on a Consumer's interaction with an internet website, application, or advertisement.
  • "Geolocation Data" about physical location or movements.
  • "Sensory Information" consisting of audio, electronic, visual or similar information.
  • "Professional or Employment-Related Information" such as information about current or past employment.
  • "Education Information" such as education level.
  • "Inferences" drawn from other Personal Information to create a profile about a Consumer reflecting the Consumer's preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.

Personal Information also includes the following categories of "Sensitive Personal Information":

  • "Sensitive Identifiers," meaning Personal Information that reveals a Consumer's Social Security, driver's license, state identification card, or passport number.
  • "Sensitive Account Information," meaning Personal Information that reveals a Consumer's account log-in, financial account, debit card, or credit card number in combination with any required security or access code, password, or credentials allowing access to an account.
  • "Sensitive Geolocation Information," meaning Personal Information that reveals a Consumer's geolocation within an area that is equal to or less than the area of a circle with a radius of 1850 feet.
  • "Sensitive Demographics," meaning Personal Information that reveals a Consumer's racial or ethnic origin, religious or philosophical beliefs, or union membership.
  • "Sensitive Communications," meaning the contents of a Consumer's mail, email, and text messages unless we are the intended recipient of the communication.
  • "Sensitive Genetics Information," meaning a Consumer's genetic data.
  • "Sensitive Health Information," meaning Personal Information collected and analyzed concerning a Consumer's health.
  • "Sensitive Sexual Information," meaning Personal Information collected and analyzed concerning a Consumer's sex life or sexual orientation.

We may collect and use the preceding Personal Information (including Sensitive Personal Information) about you and your household for the following purposes (the "Purposes"):

  • Analytics, research & development, pricing, and improving or upgrading our offerings.
  • Auditing and quality control.
  • Auditing related to counting ad impressions to unique visitors, verifying positioning and quality of ad impressions.
  • Claims and litigation.
  • Compliance and related purposes, including, without limitation, making disclosures required by law or regulation, for governmental investigations or processes, or to our attorneys, accountants and auditors.
  • Helping ensure our ability to detect security incidents, resist malicious, fraudulent or illegal activity, and report and help prosecute such activity and help protect people's physical safety.
  • Maintaining and protecting our data, systems and ourselves, including, without limitation, debugging to identify and repair errors.
  • Marketing and advertising products and services offered by us or others, lead monetization, and associated research and analysis.
  • Provide, process and service our products or offerings (e.g., maintaining or servicing policies, providing other consumer service, processing or fulfilling transactions and payments, verifying consumer information, communications, etc.)
  • Sharing information throughout our family of companies or with companies in which we invest.

The minimum length of time for which we will retain the Personal Information we collect varies based on applicable statutes of limitations and whether we think we might need the information for court or other official proceedings.

We may sell, or share for Cross-Context Behavioral Advertising Purposes, Identifiers, Internet or Other Electronic Network Activity Information, Professional or Employment-Related Information, and Commercial Information. "Cross-Context Behavioral Advertising" means targeting advertising to a Consumer based on the Consumer's Personal Information obtained from that person's activity across businesses, distinctly-branded websites, applications, or services, other than the business, distinctly-branded website, application, or service with which the person intentionally interacts. You can opt-out of such sharing at privacyrequest.progressive.com.

We may allow third parties to collect personal information from our websites.

This Notice is incorporated into our Privacy Policy.

Snapshot® Privacy Statement

Snapshot allows you to get a personalized vehicle insurance rate based on how you drive. While we still take into account traditional factors in providing your quote or determining your rate, like the type of vehicle you drive and previous accidents or traffic violations, Snapshot also considers your actual driving behavior.

Participating in a Snapshot program is completely voluntary. Let us know if you have any questions or comments about Snapshot.

Data Sources

You can choose to provide data for the Snapshot program to us from one of these 3 sources:

  • Our Snapshot device, which plugs into your vehicle (the “Device”)
  • The Snapshot mobile app, which collects data using a smartphone application (the “App”) or
  • Other sources, such as technology built into or added to your vehicle, or a mobile app supplied by another party (collectively, “Third-Party Sources”)

In all cases, Snapshot data is encrypted when transmitted to us.

Please select the source that applies to you to learn more:

The Device

Device Data Received

The Snapshot device plugs into the Onboard Diagnostic port of your car and records vehicle speed and time of day, when the device is plugged in and unplugged from the vehicle, and the Vehicle Identification Number. It may also record G-force and vehicle location using GPS. Other information such as trip duration, miles driven, and rates of acceleration and braking is derived from the data provided.

How We Use the Device Data

Snapshot focuses on how safely, how much, and when you drive. We treat personally identifiable Snapshot data as Application Information under our Privacy Policy.

We use the data we receive to calculate your Snapshot score, which, along with other traditional rating factors, determines your insurance quote, the rate you will pay when your policy renews, or pricing for a future policy.

We may also use the data we receive for purposes such as:

  • Underwriting, including verification of information provided by you or with your consent
  • Rating, including verification of information provided by you or with your consent
  • Resolving insurance claims. This may include, without limitation, detecting whether an automobile incident or accident (“accident”) may have occurred and offering assistance to you at the scene, validating the circumstances of the accident, such as date and time of loss and crash location, making liability and coverage determinations, conducting investigations of policy and/or claims fraud and material misrepresentations, and using the data for any potential subrogation or litigation involving the claim
  • Research and development
  • Providing you with reports on your driving behavior

After driving data is sent to us from a Device, it is deleted from the Device.

We limit access to the data we receive and use physical, electronic, and procedural safeguards to help protect it and your privacy.

If you are a Progressive policyholder, you'll be able to review reports on your driving habits produced from Snapshot data we receive through the Device by logging in to your policy on www.progressive.com, https://www.progressiveagent.com, or the Progressive app.

When We May Disclose the Device Data to Others

We may share personally identifiable Snapshot data with third parties to service your insurance policy, detect or prevent fraud, perform research, market our or our affiliates’ products and services to you, or as required or permitted by law. For example, we may disclose such data:

  • When we determine that we're legally required to provide the data, such as in response to a subpoena in a civil lawsuit or by police when investigating the cause of an accident
  • To a state department of insurance to support renewal rates
  • To service providers who are contractually required to maintain its confidentiality
  • To assist in resolving insurance claims, including sharing data in litigation or with other insurers for subrogation purposes involving the claim

You may limit some of the marketing of our or our affiliates’ products and services to you by calling us at 1-844-582-5040. Your choice will apply to all people listed on your policy.

We may share de-personalized Snapshot data more broadly. De-personalizing the data means that we remove personally identifiable information so that the data cannot be associated with a particular individual.

The App

App Data Received

The App records driving data, mobile phone information, and App analytics information.

  • Driving data includes information such as vehicle speed and location using GPS, time information, and data from the phone’s sensors such as magnetometer, gyroscope, barometer, proximity, and accelerometer. Other information, such as trip duration, and rates of acceleration and braking, phone usage, whether your phone use is hands-free, and trip classification, is derived from the speed, location, time, and sensor information. Because the App is not connected to your vehicle, it will collect the driving information of any vehicle you occupy, even as a passenger.
  • Mobile phone information includes Wi-Fi status, whether your screen is locked, whether you are calling or otherwise using your phone, motion activity or activity recognition, whether the phone is connected to a Bluetooth® device, date/time stamp, and operating system data available to the App. The App does not record the content of your communications, the identity of the person with whom you are communicating, or the app(s) you are using.
  • App analytics information includes how often you use the App, which mobile screens you have viewed in the App, which referring/exit pages you have entered and left in the App, aggregated App usage, App performance data, and other App activity.

How We Use App Data

Snapshot focuses on how safely, how much, and when you drive. Personally identifiable Snapshot data is treated as Application Information under our Privacy Policy.

We use the data we receive to calculate your Snapshot score, which, along with other traditional rating factors, determines your insurance quote, the rate you will pay when your policy renews, or pricing for a future policy.

We may also use the data we receive for purposes such as:

  • Underwriting, including verification of information provided by you or with your consent.
  • Rating, including verification of information provided by you or with your consent.
  • Resolving insurance claims. This may include, without limitation, detecting whether an automobile incident or accident (“accident”) may have occurred and offering assistance to you at the scene, validating the circumstances of the accident, such as date and time of loss, and crash location, making liability and coverage determinations, conducting investigations of policy and/or claims fraud and material misrepresentations, and using the data for any potential subrogation or litigation involving the claim
  • Research and development.
  • Providing you with reports on your driving behavior.

We limit access to the data we receive and use physical, electronic, and procedural safeguards to help protect it and your privacy.

App analytics information is used to help us understand how you interact with the App, so that we can continue to improve the user experience.

If you are a Progressive policyholder, you'll be able to review reports on your driving habits produced from Snapshot data we receive through the App by logging in to your policy on www.progressive.com, https://www.progressiveagent.com, the Progressive app, or the App.

When We May Disclose App Data to Others

We may share personally identifiable Snapshot data with third parties to service your insurance policy, detect or prevent fraud, perform research, market our or our affiliates’ products and services to you, or as required or permitted by law. For example, we may disclose such data:

  • When we determine that we're legally required to provide the data, such as in response to a subpoena in a civil lawsuit or by police when investigating the cause of an accident
  • To a state department of insurance to support renewal rates
  • To service providers who are contractually required to maintain its confidentiality
  • To assist in resolving insurance claims, including sharing data in litigation or with other insurers for subrogation purposes involving the claim

You may limit some of the marketing of our or our affiliates’ products and services to you by calling us at 1-844-582-5040. Your choice will apply to all people listed on your policy.

We may share de-personalized Snapshot data more broadly. De-personalizing the data means that we remove personally identifiable information so that the data cannot be associated with a particular individual.

Data from Partners

We may work with third parties to install cookies, web beacons, tags, scripts, software development kits (SDK), and other similar technologies within the App. The data collected through these technologies include your device time zone, device operating system, device model and carrier, screen size, processor cores, total and remaining disk space, device and advertising identifiers and device opt-out settings. We use the data collected through these technologies to measure the effectiveness of our advertising.

Some of these third parties may be able to associate the data collected through these technologies with other information they already have about you (ex. your interests, actions and connections) to provide ads or offers personalized for you. We adhere to the Digital Advertising Alliance’s ("DAA's") Mobile Environment principles. You may limit the extent to which third parties use data obtained through these technologies to provide you personalized ads or offers by downloading the DAA's AppChoices app or through the privacy or advertising settings on your device.

Third-Party Sources

Third-Party Sources Data Received

For Third-Party Sources that collect your driving data through technology built into or added to your vehicle, your driving data, which includes vehicle speed, time information and odometer readings, is collected by others and provided to us with your consent. For Third-Party Sources that collect your driving data through a mobile app supplied by another party, the other party will provide to us driving information, mobile phone information and app analytics information, similar to that described above in connection with the App. Other information, such as trip duration, miles driven, phone usage, trip classification, and rates of acceleration and braking, is derived from the data provided.

How We Use the Third-Party Sources Data

Snapshot focuses on how safely, how much and when you drive. Personally identifiable Snapshot data is treated as Application Information under our Privacy Policy.

We use the data we receive to calculate your Snapshot score, which, along with other traditional rating factors, determines your insurance quote, the rate you will pay when your policy renews, or pricing for a future policy.

We may also use the data we receive for purposes such as:

  • Underwriting, including verification of information provided by you or with your consent
  • Rating, including verification of information provided by you or with your consent
  • Research and development

We limit access to the data we receive and use physical, electronic and procedural safeguards to help protect it and your privacy.

When We May Disclose the Third-Party Sources Data to Others

We may share personally identifiable Snapshot data with third parties to service your insurance policy, detect or prevent fraud, perform research, market our or our affiliates’ products and services to you, or as required or permitted by law. For example, we may disclose such data:

  • When we determine that we're legally required to provide the data, such as in response to a subpoena in a civil lawsuit or by police when investigating the cause of an accident
  • To a state department of insurance to support renewal rates
  • To service providers who are contractually required to maintain its confidentiality

You may limit some of the marketing of our or our affiliates’ products and services to you by calling us at 1-844-582-5040. Your choice will apply to all people listed on your policy.

We may share de-personalized Snapshot data more broadly. De-personalizing the data means that we remove personally identifiable information so that the data cannot be associated with a particular individual.

Accident Response

The Accident Response feature is designed to use the sensors in your phone to detect a motor vehicle collision (“Event”). Participation in Accident Response is completely voluntary and conditioned on your acceptance of the Terms and Conditions . To participate in Accident Response, you must download the App, complete the registration process, and keep all required App permissions enabled while driving.

Data Collected

Once downloaded, the App will run in the background and collect and analyze driving and phone sensor data (“Accident Response Data”), which will be uploaded to Progressive. Accident Response Data includes vehicle speed and location using GPS, time and date information, phone usage and settings, data from the phone’s sensors, your responses to contacts initiated through the Accident Response program, and other information necessary to enable or support the Accident Response program.

Mobile phone and App analytics information is also collected. Mobile phone information includes Wi-Fi status, whether your screen is locked, whether you are calling or otherwise using your phone, motion activity or activity recognition, whether the phone is connected to a Bluetooth® device, and operating system data available to the App. The App does not record the content of your communications or the identity of the person with whom you are communicating, or other app(s) you are using.

App analytics information includes how often you use the App, which mobile screens you have viewed in the App, which referring/exit pages you have entered and left in the App, aggregated App usage, App performance data, and other App activity.

The App may collect the vehicle information described above about any vehicle you occupy, even as a passenger.

How We Use Data

We use Accident Response Data to help detect your involvement in an Event. We use the App’s detection of an Event to initiate a communication to you to confirm the Event and determine whether you require an ambulance or tow service. We may use the location of your device to dispatch emergency assistance.

We use Accident Response Data, including location information, to assist in resolving a claim. This may include, but is not necessarily limited to, validating the circumstances of the accident, such as date and time of loss and crash location; making liability and coverage determinations; conducting investigations of policy claims and/or claims of fraud and material misrepresentation, including verifying information you have previously provided to us; and any potential subrogation or litigation involving the claim.

If an Event is detected and an ambulance is dispatched, we will automatically open a claim under your policy. If an Event is detected and a tow is dispatched, we will automatically open a claim unless you pay for that tow out of pocket at the time service is rendered. The dispatching of emergency services and/or a tow by us shall not be deemed a determination of coverage under your policy.

We also use App analytics information to help us understand how you interact with the App, so that we can continue to improve the user experience.

We may also use information collected or derived from the App for:

  • Underwriting and rating purposes, including verification of information provided by you or with your consent
  • Servicing your insurance policy
  • Research and development
  • Providing you with reports on your driving behavior.
  • Marketing our or our affiliates’ products and services to you.

We limit access to the information collected or derived from the App and use physical, electronic, and procedural safeguards to help protect it and your privacy.

When We May Disclose the App Data to Others

We may disclose Accident Response Data with our service providers to provide and administer the Accident Response program and to process and resolve a claim involving an Event. If we dispatch emergency assistance, we may disclose the fact that you may be involved in an Event and your device location with emergency personnel. We may also be required to disclose Accident Response Data to others if legally obligated to respond to a subpoena or otherwise required by law.

We may also share information collected or derived from the App to detect or prevent fraud, perform research, or market our or our affiliates’ products and services to you. You may limit some of the marketing of our or our affiliates’ products and services to you by calling us at 1-844-582-5040. Your choice will apply to all people listed on your policy.

We may share de-personalized Accident Response Data more broadly. De-personalizing the data means that we remove personally identifiable information so that the data cannot be associated with a particular individual.

Weather Alerts

The Weather Alerts feature is designed to provide severe weather alerts and weather-related information such as:

  • Helpful tips for safe driving in severe weather
  • Helpful tips for preventing weather-related damage to your property
  • Health insights, such as air quality in your area

Use of the Weather Alerts feature is completely voluntary, and you choose whether to receive alerts for your current location, your home address, or both. To participate in Weather Alerts, you must download the App, complete the registration process, and keep all required App permissions enabled for your selected notification options.

Data Collected

If you choose to receive weather alerts based on your current location, the Weather Alerts feature will run in the background and collect and analyze your location using GPS.

How We Use Data

If you choose to receive weather alerts based on your current location, we will use the GPS data to alert you to severe weather in your area and to provide you with weather-related information for that area.

We may also use GPS data for research and development purposes.

We do not use this data to determine policy rates, process claims, or to track your driving behavior or activities. We limit access to the information collected or derived from the App and use physical, electronic, and procedural safeguards to help protect it and your privacy.

When We May Disclose the App Data to Others

If you choose to receive weather alerts based on your current location, we will disclose GPS data to our service providers to provide and administer weather information relevant to your area.