Privacy Policy

The Philadelphia Contributionship (“TPC”) and its insurance affiliates and subsidiaries (including but not limited to The Philadelphia Contributionship Mutual Holding Company, TPC Holdings, Inc., The Philadelphia Contributionship for the Insurance of Houses from Loss by Fire, Inc., The Philadelphia Contributionship Insurance Company, Germantown Insurance Company and Franklin Agency, Inc.), are committed to preserving your privacy on our websites and mobile applications. In this privacy notice, we explain how we collect, process, use, and disclose information gathered from your visit to our websites and mobile applications. This policy applies to all residents who visit our websites, any affiliated websites, and insureds using our mobile applications where this notice is linked (collectively referred to as “websites”). If you are an individual who has sought or purchased insurance from The Philadelphia Contributionship, or if you are a claimant under a policy, click here to view that Privacy Policy. 

What personal data do we collect?

The types of personal data we gather and how we use it will depend on how you engage with our websites. For example, if you start an insurance quote on our websites, but decide to finish it later, we will save your information so you can pick up where you left off.

You may also use our website to submit a claim or to obtain a quote for insurance. We will need different personal data for both types of visits. The data we gather can include your Social Security Number, income, transaction data such as account balances and payment history, and data from consumer reports. It may also include data gathered in connection with our provision of insurance services, when you apply for such services, or resulting from other contacts with you.  For more information, click here to review the privacy policy applicable to your insurance policy or your claim. 

Depending on your relationship with us and how you interact with our websites, we may also collect from you or third parties:

• Identifiers, including 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, or other similar identifiers
• Personal data, such as your name, signature, Social Security Number, physical characteristics or description, address, telephone number, location and precise geolocation, driver’s license or state identification card number, insurance policy number, education, employment, employment history, bank account number, financial data, medical data, or health insurance data
• Commercial data, including records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories and tendencies
• Internet or other similar network activity, including browsing history, search history, data about a consumer’s interaction with a website, application, or advertisement
• Professional or employment related data, including current or past job history
• Inferences drawn from other personal data, such as a profile reflecting a person’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes
• Risk data, including data about your driving and/or accident history; this may include data from consumer reporting agencies, such as your motor vehicle records, and loss history data, health data, or criminal convictions
• Claims data, including data about your previous and current claims, which may include data regarding your health, criminal convictions, third party reports, or other personal data

How Does TPC Gather Data?

We gather your personal data directly from you.  For example, you provide us with data when you: 

• Ask about or buy insurance
• File a claim 
• Pay your policy  
• Visit our websites, call us, or visit our office 

We also gather your personal data from other people. For example: 

• Your insurance agent or broker 
• Your employer, association, or business (if you are insured through them)  
• Our affiliates or other insurance companies about your transactions with them 
• Consumer reporting agencies, Motor Vehicle Departments and inspection services, to gather your credit history,
• Driving record, claims history, or value and condition of your property 
• Other public directories and sources 
• Third parties, including other insurers, brokers and insurance support organizations whom you have communicated with about your policy or claim, anti-fraud databases, sanctions lists, court judgments and other databases, government agencies, open electoral register, or in the event of a claim, third parties including other parties to the claim, witnesses, experts, loss adjustors, and claim handlers 
• Other third parties who take out a policy with us and are required to provide your data, such as when you are named as a beneficiary or where a family member has taken out a policy that requires your personal data  

Organizations that share data with us may keep it and disclose it to others as permitted by law.

How Does TPC Use Your Personal Data?

The Philadelphia Contributionship uses your data to provide you our products and services and as otherwise provided in this notice.  We may use your data

and the data of our former customers for our business and other compatible purposes.  Our business purposes include, for example: 

Business Purpose 

Market, sell and provide insurance.  This includes, for example:  

• Calculating your premium  
• Determining your eligibility for a quote  
• Confirming your identity and servicing your policy 

Manage your claim.  This includes, for example: 

• Managing your claim, if any 
• Conducting claims investigations  
• Conducting medical examinations 
• Conducting inspections, appraisals  
• Providing roadside assistance  
• Providing rental car replacement or repairs 

Day to Day Business and Insurance Operations.  This includes, for example: 

• Creating, maintaining, customizing, and securing accounts 
• Supporting day-to-day business and insurance related functions 
• Doing internal research for technology and development 
• Marketing and creating products and services
• Conducting audits related to a current contact with a consumer and other transactions 
• As described at or before the point of gathering personal data or with your authorization  

Security and Fraud Detection.  This includes, for example: 

• Detecting security issues 
• Protecting against fraud or illegal activity, and to comply with regulatory and law enforcement authorities 

• Managing risk and securing our systems, assets, infrastructure, and premises  
• Help to ensure the safety and security of TPC staff, assets, and resources, which may include physical and virtual access controls and access rights management  
• Supervisory controls and other monitoring and reviews, as permitted by law, and emergency and business continuity management 

Regulatory and Legal Requirements.  This includes for example:  

• Controls and access rights management 
• To evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of TPC’s assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal data held by TPC is among the assets transferred  
• Exercising and defending our legal rights and positions  
• To meet TPC contract obligations  
• To respond to law enforcement requests as required by applicable law, court order, or governmental regulations  
• As otherwise permitted by law  

Improve Your Customer Experience and Our Products.  This includes, for example: 

• improve your customer experience, our products, and service 
• to provide support, personalize, and develop our website, products, and services 
• create and offer new products and services

Analytics to Identify, Understand, and Manage Our Risks and Products.  This includes, for example: 

• Conducting analytics to better identify, understand, and manage risk and our products 

Customer Service and Technical Support.  This includes, for example: 

• Answer questions and provide notifications  

• Provide customer and technical support 

Cross-Context Behavioral Advertising 

The Philadelphia Contributionship will not collect additional categories of personal information or use the personal information we collected for materially unrelated, or incompatible purposes without updating our notice.

Does TPC Disclose Personal Data?

The Philadelphia Contributionship shares your personal data as disclosed above. 
This type of sharingis different from disclosing personal information to other entities to perform a service related to providing insurance or processing your claim.  How we disclose data to these types of entities is set forth below. 

The Philadelphia Contributionship may disclose personal data with affiliated and non-affiliated third parties, including: 

• The Philadelphia Contributionship affiliates 
• Service Providers (such as property inspectors and independent adjusters) 
• Insurance support organizations  
• Brokers and agents 
• Public entities (e.g., regulatory, quasi-regulatory, tax or other authorities, law enforcement agencies, courts, arbitrational bodies, and fraud prevention agencies) 
• Consumer reporting agencies 
• Advisors including law firms, accountants, auditors, and tax advisors 
• Insurers and re-insurers
• A person, organization, affiliates or service providers conducting actuarial or research studies
• As permitted by law 
   

We may also disclose data with other companies that provide marketing services on our behalf or as part of a joint marketing agreement for products

offered by TPC.  We will not disclose your personal data to others for their own marketing purposes.   

We may also disclose data about our transactions (such as payment history) and experiences (such as claims made) with you to our affiliates. 

How Long Does The Philadelphia Contributionship Retain Each Category of Personal Data?  

If you have an online account with TPC and you have an Android device, you can request that your account be deleted. You may click this link to request that your access to your insurance portal account be deleted.  Certain policy and claim information may remain in your main account with TPC pursuant to our insurance Privacy Policy which you can access here.  

Does The Philadelphia Contributionship Use Cookies?

Cookies are sets of information that our web server assigns to you when you visit our website. Cookies are used in a few areas of our websites for maintaining information between pages. These cookies carry forward information that you submitted on one screen to the next screen. We may use IP addresses to learn other information concerning website visitors as described in this policy, but we do not learn the identity of the individual browsing our websites. When you select one of our products or services, register for a newsletter or email alert, fill out an online form, or complete a survey, we may try to identify your browser and we may combine information from cookies, Web beacons, and other information collected online with other data that we maintain about you. 

With both cookie and tag technology, the information that we collect and share is anonymous and not personally identifiable. It does not contain your name, address, telephone number, or email.

Websites and Mobile Applications Other Than The Philadelphia Contributionship

The Philadelphia Contributionship is not responsible for the privacy practices or the content of any other websites and mobile applications on the Internet that may be linked to The Philadelphia Contributionship Websites and Mobile Applications. Please note that when you click on links to websites and mobile applications outside of The Philadelphia Contributionship, you are transferred to another website or mobile application that may not be under The Philadelphia Contributionship’s control. We encourage you to read the privacy statements of these linked sites and mobile applications as their privacy policy may differ from ours.

Changes to this Notice

Changes to this Notice will be posted here. Visitors to our websites who are not policyholders should refer to the date at the top of this notice to see if it has been updated.

The Philadelphia Contributionship on whose behalf this notice applies to are:

The Philadelphia Contributionship Mutual Holding Company
TPC Holdings, Inc.
The Philadelphia Contributionship for the Insurance of Houses from Loss by Fire, Inc.
The Philadelphia Contributionship Insurance Company
Germantown Insurance Company
Franklin Agency, Inc.
First Insurance Company of America

Questions regarding our internet policy can be directed to info@contributionship.com.