Snapshot® Journey Terms and Conditions

(Last updated August 22, 2019)

Your participation in the Snapshot Journey program ("Snapshot Journey") and use of the Snapshot mobile application (the "App") is expressly conditioned on your acceptance of these terms and conditions. If you do not agree with any part of these terms and conditions, you should not participate.

If you are a Progressive customer and currently monitoring with a Snapshot plug-in device, the data collected by your plug-in device will be the only telematics data used in determining your insurance rate. Your use of the plug-in device is subject to the Snapshot Terms of Use and Snapshot Privacy Statement. All data and feedback collected through your participation in Snapshot Journey will be used for research and development purposes only.

The Progressive Group of Insurance Companies ("Progressive") reserves the right to modify these terms and conditions at any time. Modifications to these Terms and Conditions can be viewed in the Settings menu in the App or on progressive.com. Your continued participation will constitute your acceptance of any revisions to these terms and conditions. Please check this page regularly.

About Snapshot Journey

Progressive offers a usage-based insurance rating program, called Snapshot, which allows customers to potentially save money based on their actual driving habits, like how they drive, how much they drive, and when they drive. Snapshot gives people more control over how much they pay for auto insurance, and can help make people safer drivers. With Snapshot, safe driving saves you more on your car insurance.

Snapshot Journey uses the Snapshot mobile App technology for research and development. Your participation will help Progressive measure the App's performance and make enhancements to the Snapshot program in the future. The data collected during your participation in Snapshot Journey will not be used in determining your insurance rate.

To participate in the Snapshot Journey program, you agree to download the App, complete the registration process, and to keep the App enabled while driving.

The Snapshot Mobile App

Eligibility. Snapshot Journey participation is by invitation only.

Only users of iPhones® and Android™ smartphones are eligible for Snapshot Journey.

Getting the App. You can download the Snapshot mobile App from the Apple® App Store or Google Play™. You do not need to download the standard Progressive app to participate in Snapshot mobile.

Registration. You will need to download and register the App on your own smartphone using your own mobile phone number (which serves as the registration key).Once the registration key is recognized by us, you will be sent a random PIN via text to the smartphone number used to register. You will need to acknowledge these Snapshot Journey Terms and Conditions and the Snapshot Privacy Statement in order to complete registration; if not, the registration will be unsuccessful. The App should be kept on your smartphone, and you should carry your phone when you drive.

Data Collected. Once downloaded and registered, the App will run in the background and collect driving and phone sensor data ("Snapshot Data"), which will be uploaded to Progressive and available for review through the App. Snapshot Data includes the vehicle speed and location using GPS, time information, phone usage, and data from the phone's sensors. Other information, such as trip duration, trip regularity (taking the same routes on a regular basis), and rates of acceleration and braking, is derived from the speed, location, and time information. Phone and App analytics information is also collected, as described in the Snapshot Privacy Statement, located at https://www.progressive.com/support/legal/ubilabs-snapshot-app-privacy-statement/?theme=neutral.

Pausing. You will be able to "pause" monitoring in the event of being out of the country or another reason you will not be driving for a limited period of time. Once the pause time period has ended, data collection will automatically restart.

Trip Categorization. The App categorizes whether you are a driver or passenger and mode of transportation (for example, car vs. bicycle) for each recorded trip. The ability to change how a trip is categorized will be available for a limited time after the trip is displayed.

Safe Use of the Application. When using the App, please ensure that you:

  • Obey all traffic laws, including any laws that restrict the use of mobile devices while driving;
  • Use the App only when it is safe to do so and when it will not create any unnecessary distraction; and
  • Do not use the App for any illegal, hazardous, or unauthorized purposes, or in a manner that is not consistent with these Terms and Conditions.

Ownership, License. The App is the property of Progressive and its service provider, and is provided for each vehicle you enroll for participation in Snapshot Journey. You are hereby granted a fully paid, nonexclusive, non-sublicensable, non-transferable, time-limited, revocable license to use the App subject to these Terms Conditions. Progressive and its service provider retain all right, title, and interest in and to the Snapshot mobile App. You may not reverse engineer, disassemble, decompile, alter, duplicate, translate, make copies, or create derivative works from the App, except to the extent allowed under applicable law. If applicable law permits such activities, any information discovered as a result of these activities must be promptly disclosed to Progressive and is deemed to be the confidential and proprietary information of Progressive and its service provider.

The App contains certain third party software licensed under Open Source licenses. See the App’s End User License Agreement for the applicable notices and licenses relevant to that software.

Deleting the App. You can delete the Snapshot mobile App from your smartphone at any time.

Data Use Acknowledgement

By enrolling in Snapshot Journey, you agree to (a) provide information collected by the App to us, and (b) permit us to retain and use the information as described in these terms and conditions. Once the Snapshot Data is sent to us, the recorded information will remain on the smartphone for a limited time for viewing, and then be deleted. Progressive will retain information collected or derived from the App as required by our record retention policies.

Snapshot Data may be useful in determining the cause of an automobile accident. If you’re in an accident, you may have a legal obligation to preserve the information on your phone. This information may be sought by opposing parties in a civil lawsuit or by police when investigating the cause of an accident, or we may be legally obligated to provide such information in response to a subpoena or as otherwise required by law. You agree we may analyze Snapshot Data for detecting whether an accident may have occurred and offering assistance to you at the scene. In the event you have an insurance claim with us, you agree we may use Snapshot Data to assist in resolving the claim. This may include, but is not necessarily limited to, validating the circumstances of the incident, such as date and time of loss, crash location, and any potential subrogation or litigation involving the claim.

The Snapshot mobile App temporarily stores Snapshot Data on your smartphone, and then uploads it for processing by Progressive. Transmission of Snapshot Data uses a portion of data on your cell phone plan. The online connection required to use the App, and any associated charges (e.g., mobile data expenses) incurred by your use of the App, are your exclusive responsibility and made solely at your expense.

For most smartphones, battery consumption is negligible when not collecting Snapshot Data. When driving, battery consumption is comparable to other driving and navigation apps. If the phone’s battery power is low, the App will reduce the data collected to conserve energy. Care should be taken to charge the battery while driving if you take longer car trips.

Snapshot Data

Privacy. We're committed to protecting your privacy and earning your trust, and understand you may have questions about how we use the Snapshot Data we collect. In addition to our commitment to you in our Privacy & Security Policy at progressive.com, we explain what we will and won’t do with Snapshot Data in our Snapshot Privacy Statement, located at progressive.com/support/legal/snapshot-privacy-statement/. Notwithstanding the "How We Use the Data" section of the Snapshot Privacy Statement, we will use the Snapshot Journey Snapshot Data collected by the Snapshot mobile App for research and development purposes only and will not use such data in determining your insurance rate.

Viewing the Snapshot Data. Drivers will be able to review reports on their driving habits produced from the Snapshot Data through the Snapshot mobile App. Location information and trip maps are only available on the individual phone which collected the information.

Communications

We will periodically send you reminders and other information through the App, by e-mail, and/or by phone while you’re participating in Snapshot Journey.

Your Representations

You represent and agree that:

  • You are solely responsible for any data charges resulting from your use of the App;
  • The App is intended for use by users who are of the legal age required by your state to hold a driver’s license; and in any case, that you are at least 13 years old;
  • You are not on any U.S. Government list of prohibited or restricted parties.

Disclaimer / Limitation of Liability

YOU UNDERSTAND THAT THE SNAPSHOT MOBILE APP, INCLUDING OPEN SOURCE SOFTWARE INCORPORATED THEREIN, IS, TO THE FULLEST EXTENT PERMITTED BY LAW, BEING PROVIDED TO YOU "AS IS," WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NONINFRINGEMENT. YOU AGREE THAT WITH REGARD TO YOUR USE OF THE APP THAT, TO THE FULLEST EXTENT PERMITTED BY LAW, PROGRESSIVE SHALL NOT BE LIABLE FOR ANY INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, PUNITIVE OR INDIRECT DAMAGES OF ANY NATURE, WHETHER SUCH LIABILITY IS ASSERTED ON THE BASIS OF CONTRACT, TORT (INCLUDING NEGLIGENCE OR STRICT LIABILITY) OR OTHERWISE, EVEN IF IT HAS BEEN WARNED OF THE POSSIBILITY OF SUCH DAMAGES. TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT SHALL THE AUTHORS OR COPYRIGHT HOLDERS OF OPEN SOURCE CODE USED IN THE APP BE LIABLE FOR ANY CLAIM, DAMAGES, OR OTHER LIABILITY, WHETHER IN AN ACTION OF CONTRACT, TORT, OR OTHERWISE, ARISING FROM, OUT OF, OR IN CONNECTION WITH THE SOFTWARE OR THE USE OR OTHER DEALINGS IN THE SOFTWARE.

PROGRESSIVE RESERVES THE RIGHT TO MODIFY OR TERMINATE THE SNAPSHOT JOURNEY PROGRAM AT ANY TIME AND FOR ANY REASON.

Patent Notice

U.S. Patent Nos. 9,754,424 and 9,916,625, and any additional patents and pending applications claiming priority from these patents, or otherwise related to Progressive’s usage-based insurance program, apply to the Snapshot program, device, and/or mobile app.