Privacy Policy

Effective Date: May 29, 2023

Southern Guaranty Insurance Company (“SGIC”) and its affiliates are required pursuant to state and/or federal law to provide this privacy policy (“Privacy Policy”) explaining our information practices and the rights you are afforded regarding the collection and use of information you submit to us, or that we collect via our websites and other applications (“Sites”). The Sites referred to in this Privacy Policy are the services owned and operated by SGIC.

By engaging our Sites, you expressly consent to our collection, use, disclosure, and retention of your personal information and other information as described in this Privacy Policy. This Privacy Policy does not apply to the practices of other companies or other websites or software applications that may be linked from or made available through SGIC Sites.

There are two types of information collected on our Sites: Personally Identifiable Information and Non-Personally Identifiable Information.

Personally Identifiable Information

Personally Identifiable Information ("personal information") is information that identifies, relates to, describes, references, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, to you as an individual. This includes personal information collected directly from you if you choose engage with us via our Sites and personal information that you voluntarily provide, such as information included in response to a questionnaire or survey.

Personal information may also be obtained by us through the use of technology, such as cookies, and when we collect your geo-location, phone carrier, or other device information directly or through our third-party vendor(s), as described herein.

Non-Personally Identifiable Information

Non-Personally Identifiable Information ("non-personal information") is information that does not identify you as an individual, such as your browser type, and the URL of the web sites you visited before or after our Sites. SGIC may automatically collect certain types of non-personal information from you when you visit our Sites. We may also collect non-personal information that you voluntarily provide, such as information included in response to a questionnaire or survey.

Non-Personal Information Collected Through Technology


Our Sites may use cookie technology to improve your experience and to gather information for product development and other purposes.

A cookie is a small piece of information sent by a site that is saved on your electronic device. It holds information a site may need to personalize your experience (i.e., rotating images on our Sites' home pages) and gathers statistical data, such as which pages are visited, what is downloaded, the Internet provider's domain name and country that our visitors come from, and the addresses of sites visited immediately before and after coming to our Sites. SGIC may also use cookies in conjunction with third-party services to obtain demographic data on visitors to our Sites.

Cookies are used in two categories – Strictly Necessary Cookies and Other Cookies. Strictly Necessary Cookies are necessary for the website to function and cannot be switched off in our systems. Other Cookies are performance and/or targeting cookies that collect information for analytics and to personalize your experience, for example, with targeted ads. To learn more or to turn off the performance and targeting cookies, please click manage cookie preferences in the footer.

IP Address:

An IP address is a number that is assigned to your computer automatically when you use the Internet. Our Sites may collect IP addresses for the purposes of systems administration, authentication and security, server problem diagnosis, and compiling aggregate information, such as how many visitors accessed our Sites. When you visit a particular page on our Sites, our servers may log your IP address.

Embedded Pixels:

We may use embedded pixel technologies on selected pages for the purposes of identifying unique user visits to our Sites as opposed to aggregate hits. In addition, embedded pixels or other technologies may be used in emails to provide information to track marketing campaign responsiveness, such as when the email was opened. Information collected using these technologies may be associated with the recipient's email address.

Why we may collect your information

SGIC may use, or disclose the personal information we collect for one or more of the following business purposes:

  • To fulfill or meet the reason you provided the information. For example, if you share your name and contact information to register or request information about our products or services, we will use that personal information to respond to your inquiry. If you provide your personal information to purchase a product or service, we will use that information to process your application, process your payment and to facilitate delivery of your policy or service. We may also save your information to facilitate new product or services requests;
  • To provide you with support and to respond to your inquiries and transaction requests;
  • To fulfill our obligations under your policy, to investigate and address your concerns, and to monitor and improve our responses;
  • To develop and provide you with products, services, and features meets your needs or requests;
  • To respond to any government or regulatory request, law enforcement requests, or to conform with the requirements of any court order, law or legal process;
  • As required or permitted by applicable law or governmental regulations;
  • To protect or defend our legal rights or property, our Sites, or our users, or to investigate, prevent or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person or violations of the terms and conditions of using our Sites; and
  • As described to you when collecting your personal information. We will not collect additional categories of personal information or use the personal information we collected for materially different, unrelated, or incompatible purposes without providing you notice.

Personal information we may collect:

  • Survey Information

    We may collect and/or share your contact and demographic information (e.g., city, state, and date of birth), claim number, policy holder or certificate holder information, and other information you may provide to conduct policy holder or certificate holder surveys.

  • Registration and Account Information

    When you register an account, enroll online or through a call center, create a profile, purchase products/services, download a mobile application or otherwise apply for, request or engage with our products/services on our Sites or through another enrollment system, you may provide us with personal information or we may receive personal information, such as, your name, email address, physical address, social security number, policy number, financial information, telephone number, mobile telephone number, text messages or email content, health and medical information, audio, family and children’s information, and date of birth. Personal information may also be collected in person or via offline services, such as in connection with applications submitted by you or on your behalf, information about your other transactions with us, and medical exams and tests you take in connection with your application or policy.

  • Claims Information

    You may give us your personal information when you submit a claim, or when you make changes to, check on, or update your claim.

  • Social Media Information

    SGIC may offer sign-in services that allow you to use third-party login credentials to access our Sites. We also may offer services that allow you to share information with third-party social media websites such as Facebook, Google, Twitter, and others.

    When you link your account or engage with our Sites through third-party social media sites, you understand that you may be allowing us to have ongoing access to certain information stored on those social media sites (e.g., your public profile, friend list, people you follow or who follow you, your email address, birthday, work history, education history, interests, current city, religious and political views, website, personal description, and likes, and your friends’ birthdays, education histories, personal descriptions, and likes). We may receive certain information about you that is stored on social media sites if other users of those sites give us access to their profiles and you are one of their friends or connections depending upon your settings on those third-party social networking sites. We may also receive other information (e.g., content viewed and information about the advertisements within the content you have been shown or may have clicked on, etc.) from your interaction with our Sites. The information we have access to from the third-party social media websites varies by website and is controlled by your privacy settings on that website and by your consent.

  • Technical Usage Information

    When visiting or making use of our Sites, SGIC and its affiliates may collect usage information sent to us by your computer, mobile, or other access device that tells us how you are using the Sites (“usage information”). We may also collect password information from you when you log in, as well as computer and/or connection information. During some visits we may use software tools to measure and collect session information, pages viewed, including page response times, files downloaded, download errors, time spent on certain pages, page interaction information, applications used, browser type, the user’s Internet service provider (ISP), and the user’s computer operating system. SGIC endeavors to collect and use only such technical usage information that will enable us to better understand your interests and to improve our Sites and our products and services.

  • Mobile Application Information

    When downloading and/or using our mobile application(s), we may track and collect usage data to tell us what information has been accessed, viewed and/or downloaded to the application(s) based on your device number or other identifier.

  • Geolocation Information

    When you visit our Sites, we may collect geo-location information to provide certain location-based services that you request (e.g., maps).

  • Information From Other Sources or Combined by Us

    The information about you that SGIC collects may be combined with information we receive from other sources and from outside records (e.g., demographic information, navigation information, and/or additional contact information) that we have acquired in accordance with the law. If you are a policyholder or certificate holder of SGIC, personal information that you provide at our Sites may be combined with certain other information we have collected about you through our policy application/administration procedures. In reviewing applications, policies, claims or performing our services, we may collect additional information from you or others, such as from other insurance companies, consumer reporting agencies and credit bureaus as permitted by the Fair Credit Reporting Act, public records, public databases, government agencies, information clearinghouses and other third parties. In addition, you will have received and you may request a HIPAA privacy notice from us explaining how we protect the privacy and security of your Protected Health Information (please see HIPAA Notice of Privacy Practices).

Who we share personal information with

We may share personal information among SGIC’s affiliated companies, and with select third party service providers. Our products and services, including our Sites and digital media properties, may contain links to or the ability for you to access third-party websites, application, products, and services, solely business purposes described above. SGIC does not sell personal information to non-affiliated third-party entities for them to sell products and services to you.

SGIC is not responsible for the privacy practices employed by third parties, nor are we responsible for the information or content their products and services contain. This Privacy Policy applies solely to information collected by us. We encourage you to read the privacy policies of any third parties before proceeding to use their websites, applications, products, or services.

Retention of personal information

Unless specified otherwise at the time of collection, we will retain your personal information for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use your personal information to the extent necessary to comply with our legal obligations (for example, if we are required to retain your data to comply with applicable laws), resolve disputes, and enforce our legal agreements and policies.

Children’s privacy

Our Sites are not directed toward children. We do not knowingly collect information from children under the age of 13. If we learn that personal information on a child under the age of 13 is collected, we will delete that information from our systems, as permitted by applicable law. If you think that we have collected such personal information from a child under the age of 13 through our Sites, please contact us immediately using the contact information below.

Keeping your information secure

The security of your personal information is very important to us, and we are committed to protecting the information we collect. We have reasonable security measures in place that seek to protect against the loss, misuse or alteration of information that SGIC has collected from you through our Sites.

Unfortunately, no information transmission over the Internet or any wireless network can be guaranteed to be 100 percent secure. As a result, while we strive to protect your personal information, SGIC cannot ensure or warrant the security of any information you transmit to us via our Sites or in connection with products or services, and you do so at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on our Sites.

Managing your information and communications preferences

Our Sites may permit you to view your profile, if applicable, and access related information about you and to request changes to such information. Please remember, however, if we have already disclosed some of this information to third parties, we may not have access to that disclosed information and may not be able to force the modification of any information by the third parties to whom we have made those disclosures.

Our Sites may also permit you select how you would like to receive certain communications. When you provide us a telephone number, whether landline or mobile, we may contact you, using automated, pre- recorded, or non-automated means, to provide you information about existing benefits, programs, products, services, or tools. If you need additional assistance regarding the communications you receive from SGIC, please contact us using the information below.

Legal compliance and security

SGIC may be required by law or as a result of legal process, litigation, or requests from public or governmental authorities within or outside your country of residence to disclose personal information. We may also disclose personal information if we determine that for purposes of national security, law enforcement, or other issues of public importance, disclosure is necessary or appropriate. We may also disclose personal information if we determine in good faith that disclosure is reasonably necessary to protect our rights and pursue available remedies, enforce our Terms and Conditions, investigate fraud, or protect our operations or users. We will not sell or otherwise transfer the personally identifiable information you provide to us via our Sites to any third parties for their own direct marketing use unless we provide clear notice to you and obtain your explicit consent for your data to be shared in this manner. For inquires regarding legal matters, please contact:

California residents

The California Consumer Privacy Act of 2018 (CCPA) allows the consumer specific control over personal information that businesses collect about them, and this landmark law secures new privacy rights for California consumers only, including:

  • The right to know about the personal information a business collects about them and how it is used and shared;
  • The right to delete personal information collected from them (with some exceptions);
  • The right to opt-out of the sale or sharing of their personal information; and
  • The right to non-discrimination for exercising their CCPA rights.

For more information, see California Consumer Privacy Act of 2018 (CCPA).

California minors under 18

If you are a California resident under the age of 18 and are a registered user of our Sites, you may request that we remove from our Sites any content you post to our Sites that can be accessed by any other user (whether registered or not). Please note that any content that is removed from visibility on our Sites may still remain on our servers and in our systems. To request removal of content under this provision, please write or email us at the postal or email address found below.

Acceptance of Privacy Policy

By visiting our Sites, you are accepting the terms and conditions of this Privacy Policy, and we have the right to use your information as described in this Privacy Policy.

Unless otherwise provided explicitly herein, this Privacy Policy applies only with respect to the information that we collect on our Sites and not to any information that SGIC collects through other methods or sources.

If for some reason you believe that our Sites have not adhered to this Privacy Policy, please notify us using the contact information below.

Modifications to privacy policy

SGIC may modify this Privacy Policy at any time. Such modifications shall be effective immediately upon posting of the modified Privacy Policy on the applicable Sites. You may always visit this Privacy Policy to learn of any updates. Your continued access to or use of the Sites means that you accept the changes to this Privacy Policy.

Contacting us

Please note that whenever you submit any information to us in connection with any SGIC products and services, you consent to SGIC’s processing of this information as necessary to provide the products and services in which you are participating.

If you have any questions or comments about this Privacy Policy, please feel free to contact us:

  • Via email:

  • Via US Mail:

    Southern Guaranty Insurance Company
    6021 142nd Ave N Clearwater, FL 33760