(Last updated May 6, 2016)
Your participation in the Snapshot® Mobile pilot program and use of the Snapshot Mobile App (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 in the Snapshot Mobile pilot.
The Progressive Group of Insurance Companies ("Progressive") reserves the right to modify the terms and conditions at any time. Modifications to these terms and conditions can be viewed by logging in to your policy through progressive.com. Continued participation in the Snapshot Mobile pilot by you will constitute your acceptance of any revisions to these terms and conditions. Please check this page regularly.
About the Snapshot Mobile Pilot
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. Your participation in the Snapshot Mobile pilot will help Progressive evaluate and improve the App before it becomes publicly available.
To participate in the Snapshot Mobile pilot program, you agree to download the App; and once downloaded, register your vehicle via the App. You agree to keep the App and your mobile phone on while driving.
The Snapshot Mobile App
How It Works
Only users of iPhones® and AndroidTM mobile phones are eligible for the Snapshot Mobile pilot program.
The App records vehicle speed and time information (using GPS), phone usage (though not the identity of the person with whom you are communicating), and G force. 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 and time information. Your precise location data is used to provide trip information.
Once downloaded and registered, the App will run in the background and collect driving-related data, which will be uploaded to Progressive and available for review through the App.
You will need to download and register the App on your own mobile phone using your own 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 message to the mobile phone number used to register. You will need to retrieve the PIN and enter it into the App. Once the PIN is recognized by us, you may need to assign yourself to the vehicle you drive most often (though it’s okay if you sometimes drive a vehicle other than the one associated with your mobile phone).
Collection of your driving data will begin when App registration is successfully completed.
Getting the App
You can download the App from the Apple® App Store or Google PlayTM. It is not required that you also download the standard Progressive app to participate in Snapshot Mobile pilot program, or to use the App.
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.
Within the App, you will be able to dispute the category of trips in which you were not the driver, and change how that trip is categorized (for example, if you were a passenger in the vehicle during the trip, not the driver). The ability to change how a trip is categorized will be available for a limited time after the trip is displayed.
If you get a new mobile phone number, you will need to re-register the mobile phone with us, and we will stop collecting data on the old phone number. If you get a new mobile phone, but keep your phone number, you will need to download the App to your new mobile phone. For most, this should happen automatically when the new mobile phone is set up. For mobile phones where this does not happen automatically, you should immediately download and install the App.
Safe Use of the App
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
Ownership, License, Copyright / Trademark
Systematic retrieval of data or other content from this App to create or compile, directly or indirectly, a collection, compilation, database or directory, without prior written permission from Progressive, is prohibited.
Progressive does not knowingly permit anyone to post on this App or affiliated Web sites materials that infringe on the intellectual property rights of third parties. If you believe that your work has been copied and is available on this App in a way that constitutes copyright infringement, please provide our designated agent (named below) with a notice that includes substantially the following information:
- A physical or electronic signature of the copyright owner or a person authorized to act on their behalf
- Identification of the copyrighted work claimed to have been infringed
- Identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled, and information reasonably sufficient to permit us to locate the material
- Your contact information, including your address, telephone number, and email address
- A statement by you that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law
- A statement that the information in the notification is accurate, and, under penalty of perjury, that you are authorized to act on behalf of the copyright owner
Upon receipt of a notice meeting the above requirements, we will respond in accordance with the Digital Millennium Copyright Act to remove or disable access to the material claimed to be infringing or to be the subject of infringing activity. We will also terminate account access by repeat infringers where we deem appropriate. Our designated agent for notices concerning copyright infringement is:
Jason Hoehnen, Digital Strategy and Experience Manager
Progressive Casualty Insurance Company
300 North Commons Blvd.
Mayfield Village, OH 44143
The App contains certain third party software licensed under Open Source licenses. See the App for the applicable notices and licenses relevant to that software.
Acknowledgement / Vehicle Owner Consent
By participating in the Snapshot Mobile pilot, you represent that you have the consent of the registered owner of each vehicle to (a) provide information collected by the mobile phone to us, and (b) permit us to retain and use the information as described in these terms and conditions. Once the driving information is sent to us, the recorded information will remain on the mobile phone for a limited period of time for viewing, and then be erased. Progressive will retain information collected or derived from the App indefinitely.
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 mobile 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. In the event that you have an insurance claim with us, we will not use the data to resolve the claim without first obtaining your permission or (if not you) the registered vehicle owner’s permission. There may also be instances where we’re required to provide driving information to a state department of insurance in order to support renewal rates.
The App temporarily stores driving data on your mobile phone, and then uploads it for processing by Progressive. Transmission of driving 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 mobile phones, battery consumption is negligible when not collecting driving data. When driving, battery consumption is comparable to other driving and navigation apps. If the phone’s battery power is low, the App will not collect as many driving details. Care should be taken to charge the battery while driving if you take longer car trips.
We're committed to protecting your privacy and earning your trust, and understand you may have concerns 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 driving data in our Snapshot Mobile App Privacy Statement, located at progressive.com/support/snapshot-app-privacy/.
Viewing the Driving Data
You will be able to review reports on your driving habits produced from Snapshot data through the App. Location information and trip maps are only available on the individual phone which collected the information.
We will periodically send you reminders and other information through the App, by e-mail, and/or by phone while you’re participating in the Snapshot Mobile pilot.
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
Some Progressive Web sites and portions of the App are restricted and require a user identification code ("User ID") and a password for access. Unauthorized use of or access of such sites or portions of the App is strictly prohibited.
In accessing Progressive sites or portions of the App requiring a User ID and password, you agree that:
- Progressive is entitled to act on instructions received under your User ID and password
- Progressive is not liable for any unauthorized access to your personal information that is not the direct result of gross negligence or intentional misconduct on the part of Progressive
- You will keep your password confidential and you will notify Progressive immediately if you believe someone else has obtained your User ID and password or any unauthorized access to the online service site has occurred or may occur
- Progressive may block access to the online service site without prior notice if we believe your User ID and password are being used by someone other than you, if any unauthorized access to your personal information has occurred or may occur, or for other reasons
Submitted Ideas Policy
When you submit ideas or materials to Progressive ("Submissions"), such as for marketing, advertising, promotions, contests, products, services, devices, processes, trademarks, logos, artwork, music, photos, or videos, you grant to Progressive a perpetual, irrevocable, world-wide, royalty-free right and license to use, modify, publish, disclose, or exploit the Submission at Progressive's discretion.
This App may contain links to other Internet Web sites ("Third-party Sites") that are not maintained by Progressive. These links are provided solely for your convenience. Progressive makes no warranties or representations about the content of, any products or services offered by, or the intellectual property compliance of, such Third-party Sites. We recommend that you take the time to read the privacy policies and user agreements of these sites.
Acceptable Use / Content Requirements
Your use of the App is limited to its contemplated functionality. In no event may the App be used in a manner that:
- Harasses, abuses, threatens, defames or otherwise infringes upon the rights of any other party, including, but not limited to intellectual property rights
- Is unlawful, fraudulent or deceptive
- Uses technology or any other means to gain unauthorized access to any part of the App or Progressive's computer networks or user accounts
- Uses, attempts or otherwise introduces automated processes, bots, spiders, screen scrapers, viruses, malware, adware or any other software or computer code that interrupts, destroys, limits, or surreptitiously monitors software, hardware or electronic communications
Termination of App or Access to the App
Progressive reserves the right to terminate the App or your access to the App at any time for any reason.
Disclaimer / Limitation of Liability
YOU UNDERSTAND THAT THE SNAPSHOT MOBILE APP, INCLUDING OPEN SOURCE SOFTWARE INCORPORATED THEREIN, IS 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, 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. 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 MOBILE PILOT PROGRAM AT ANY TIME AND FOR ANY REASON.
Jurisdiction / Enforceability
Use of this App shall be governed by and construed in accordance with the laws of the State of Ohio without giving effect to any principles of conflicts of laws. Any dispute concerning this App shall be subject to the exclusive venue of a court of competent jurisdiction in Cuyahoga County, Ohio.