D.R. Horton Insurance Agency, Inc. (referred to herein as "D.R. Horton Insurance Agency," "we," "us" or "our") provides this Privacy Policy. This Privacy Policy applies to Personal Information we collect on this website (the "Website"), on our mobile sites, applications, and mobile interactive features ("Mobile Applications"), on our social media pages ("Social Media Pages"), in connection with email messages that we may send to you and in person. This Website, our Mobile Applications and our Social Media Pages are collectively referred to in this Privacy Policy as our "Sites."
This Privacy Policy describes the types of Personal Information we obtain, how we use the Personal Information, with whom we share it, and the choices available to you regarding our use of the Personal Information. As used herein, the words "user," "you," and "your" mean individuals who interact with D.R. Horton Insurance Agency. Throughout this Privacy Policy, where we refer to residents of a particular location, we mean individuals who currently reside in that location as indicated by information regarding their place of residence that they have provided to us (such as through submission of an online form), or as otherwise made available to us.
D.R Horton Insurance Agency utilizes Third-Party Service Providers for certain services which include collecting information, obtaining quotes for policies and related services, and processing such quotes and services. We may provide links to the websites of such Third-Party Service Providers on this Website. Your interactions with the websites of our Third-Party Service Providers will be governed by such Third-Party Service Providers' privacy policies and terms of use, which are contained on their websites.
Where applicable, you agree to the use of your Personal Information as described in this Privacy Policy each time we collect information from you, including in person and when you access or use our Sites, so we urge you to read this document in full, and Contact Us if you have any questions. Capitalized terms in this Privacy Policy that are not otherwise defined herein may be defined in the Definitions section of this Privacy Policy.
Categories of Personal Information We Collect
“Personal Information” is any information from or about an identified or identifiable person, but does not include aggregate or anonymous information. We may collect (and have collected) the following categories of Personal Information:
Non-Public Personal Information (NPPI)
Certain Personal Information we collect is Non-Public Personal Information or NPPI. NPPI generally includes non-public personally identifiable financial information that we have collected from or about you, or that has resulted from a transaction for you in our delivery of insurance products and services to you. NPPI also includes any list, description, or other grouping of consumers and their publicly available information that is derived using any personally identifiable financial information that is not publicly available. We use, share and protect NPPI in transactions for you in accordance with Your Privacy Choices and applicable law.
Contact Information
D.R. Horton Insurance Agency may collect your name, address, email address, or phone number as part of your interactions with us or other interactions.
Demographic Information
When you interact with us, we may collect the name of your present community or a D.R. Horton community in which you are interested and other demographic information, such as your age and areas of interest.
Transaction Information
When you transact business with us, we collect information which may include but is not limited to your social security number, government issued identification number, insurance policy number, financial information, payment card or banking information, and other information necessary to complete your transaction.
Legally Protected Characteristics
Depending on the nature of our interaction with you, we may collect certain information related to legally protected characteristics. This may include information such as your age or disability. We collect this information from you in order to comply with our legal obligations or to complete transactions you have requested.
Commercial Information
Depending on the nature of our interaction with you, we may collect certain commercial information related to you, including property records or records of past purchases involving D.R. Horton Insurance Agency or its Affiliates. We collect this information as a result of our transactions with you, either from you directly or from our Third-Party Service Providers acting on our behalf. We may also collect certain commercial information from publicly available sources in order to facilitate transactions.
Device Information
When you interact with D.R. Horton Insurance Agency online, we may collect certain information about the computers, phones, and other devices you use to interact with us, including IP Address, operating system, Internet browser, device identifiers such as your Media Access Control (“MAC address”) or Mobile Advertising Identifier, Cookie IDs, the browser you use, your network connection, or other unique online identifiers that may be associated with you or your device. We obtain this information primarily from the use of Cookies and similar technologies. We describe our use of Cookies in more detail elsewhere in this Privacy Policy.
If you interact with D.R. Horton Insurance Agency through the use of your mobile device, we may obtain certain geolocation data from that interaction.
Usage Information
If you use certain products or services, including but not limited to this Website, applications offered by us or Third-Party Service Providers, or devices installed within your home, these products or services may collect information about your usage of the product or service.
Video or Audio Recordings
Depending on the nature of your interaction with us, you may have provided us with video or audio recordings or consent for us to record our interactions with you. These may be recordings of your interactions with our customer representatives or voicemails you may leave us. We collect video or audio recordings with your consent or as permitted by applicable law. We use those recordings for training purposes, security purposes, or to respond to your request. We may also use testimonial recordings for marketing purposes but will only do so with your consent.
Educational, Professional, or Employment Related Information
D.R. Horton Insurance Agency may collect certain educational, professional or employment-related information about you to complete transactions you have requested.
We collect educational and professional information from you directly, or from our Third-Party Service Providers and for the specific purposes outlined during the collection.
We may share your educational information with our Affiliates and third parties, such as our Third-Party Service Providers to facilitate transactions you have requested.
Sensitive Personal Information
Some of the Personal Information we collect, such as social security numbers or legally protected characteristics, may be considered sensitive Personal Information under applicable law. Where we collect sensitive Personal Information, we do so with your consent, or as permitted by applicable law.
We use sensitive Personal Information only to comply with certain legal obligations, or to complete the transactions you have requested. We may share your sensitive Personal Information with our Affiliates and third parties, such as our Third-Party Service Providers, or to facilitate our transactions with you.
How We Collect Personal Information
The information we collect varies depending on how you interact with us or others:
Information You Provide to Us
You may provide information to us online or in person for any number of reasons, including, without limitation, when you request a quote for insurance, or request other information about our goods or services. In such cases, we, or our Third-Party Service Providers, collect the information you provide.
If you provide your email address to us and consent to receive emails regarding our products and services, you will receive commercial emails from us marketing our products and services, and we will collect your email address, other information you provide, as well as Automated Information we may collect. You may revoke your consent to receive commercial emails from D.R. Horton Insurance Agency marketing our products and services by clicking the "unsubscribe" button in marketing email communications to you. Please be aware that changes to Your Privacy Choices may not be immediate. We will implement your changes as quickly as practicable, but in all cases, in accordance with timeframes required by applicable law.
Information from Third Parties
We may collect or purchase information from third parties, including marketing companies, digital advertising agencies, third-party ad servers, third-party email servers, data aggregators, analytics providers, investor relations firms or third-party advertising networks. Certain of this information may be gathered from your activity on the Internet. If you have responded to, or interacted with, third parties that share your information with us, we collect the information the third parties provide to us, including your email address.
Our Social Media Pages
D.R. Horton Insurance Agency maintains Social Media Pages on social media platforms including Facebook, Twitter, LinkedIn, and Instagram. If you interact with our Social Media Pages, D.R. Horton Insurance Agency may collect the information about your interaction with our Social Media Pages. Information posted on our Social Media Pages may become public or may be separately collected by third-party social media sites or platforms. In addition, our Sites provide social media features like "Follow," "Like," "Share" and "Link" buttons that collect your IP Address, and may place Cookies on your device in order to allow the functionality to perform properly. The information you post on our Social Media Pages is subject not only to this Privacy Policy, but also the privacy policies and Terms of Use of the respective third-party social media site or platform.
Automated Information
We and our Third-Party Service Providers have automated means of collecting information from you when you visit our Sites, or otherwise interact with us online.
Information Collected by Cookies and Similar Tracking Technologies
We use tracking technologies, such as Cookies and Web Beacons, to collect information about your interactions with the Sites.
We describe below the various types of Cookies and related technologies we may use and the purposes they perform. Please note the specific Cookies we may use vary depending on the specific websites and services you use.
- Essential Cookies. These Cookies are strictly necessary to provide access to our Sites, provide services and enable essential features. If you disable these Cookies, we will not be able to fulfill your requests.
- Performance and functionality Cookies. These Cookies collect information about how you use our Sites and allow us to remember the choices you make while browsing. The information these Cookies collect does not personally identify you, but allows us to optimize our Sites, and makes our sites easier for you to use. If you disable or opt out of these Cookies, you may be unable to use certain features of our Sites, applications, and services, and it may reduce the support or information we can provide you.
- Analytics and customization Cookies. These Cookies collect information we use in aggregate form to help us understand how our Sites are being used and how effective our marketing campaigns are, and to help us customize our Sites. If you disable or opt out of these Cookies, you may not be able to use certain features of our Sites, and it may reduce the support or information we can provide you.
- Advertising Cookies. These Cookies collect information about your browsing history and are used to make advertising messages more relevant to you. We may share this information with third parties to help create and deliver advertising personalized to you and your interests. If you disable or opt out of these Cookies, you may not be able to use certain features of our Sites, and it may reduce the support or information we can provide you.
- Social networking Cookies. These Cookies are used to enable you to share pages and content on our Sites through third-party social networking and other websites. These Cookies may also be used for advertising purposes.
- Flash Cookies. Flash Cookies, otherwise called Flash Local Stored Objects, personalize your visit, store your preferences or the information you have input, or collect and store Automated Information about you. Flash Cookies are different from browser Cookies and will not be affected by changes in browser settings. Please visit helpx.adobe.com/flash-player/kb/disable-local-shared-objects-flash.html to learn more about Adobe Flash Cookies and how to prevent such Adobe Flash Cookies from being stored on your computer or device. If you do not consent to the placement of Adobe Flash Cookies, you may not be able to enjoy certain of the functionality on our Sites.
- Web Beacons. Web Beacons (also known as GIFs or clear GIFs) and similar technologies are electronic images that may recognize Cookies on your browser when you view a website or an email.
Controlling and Opting Out of Cookies
To see the specific Cookies we are placing, opt-out of those you do not wish to receive, or opt back in after you have previously opted out, please visit our Cookie Consent Tool. Your browser or device also may offer settings that allow you to choose whether browser Cookies are set and to delete them. For more information about these controls and to exercise your Cookie preferences, visit your browser or device's help material. If you choose to reject Cookies, as noted above, you may not be able to use certain features of our Sites and services. To learn more about Cookies, visit https://www.allaboutcookies.org.
Cookies Placed by Third Parties
You may also encounter Cookies and related technologies on our Sites that are placed by third parties. We may allow third parties to place Cookies and related technologies on our Sites to track information about your online activities and/or across third-party sites or online services.
The Cookies section above does not apply to the Cookies, applications, technologies, or websites that are owned and/or operated by third parties, or such third parties' practices, even if they use or access our technology to store or collect information. To understand how third parties use Cookies, please review their privacy and cookie policies.
How We Use Personal Information
We use the Personal Information we collect for the following business purposes:
Communicating with you
We may use Personal Information to prepare and perform our contracts with you, respond to and fulfill your requests, complete the transactions you have requested, and provide you with information and updates regarding our ongoing relationship. We may also use Personal Information to provide you with updates and announcements about our products and services, send information to you regarding our Sites and support direct marketing and other opportunities of D.R. Horton Insurance Agency and third parties as described in this Privacy Policy. In this regard, we may contact you by email, postal mail, phone or text message, including via autodialer, social media, or other means. We provide you with the opportunity to visit Your Privacy Choices to control certain types of contact.
Providing, improving, and developing our products and services
We use Personal Information to help us provide, improve, and develop our products, services, and advertising. This includes using Personal Information for purposes such as data analysis, research, and audits. Wherever such use is not strictly related to the performance of our contract with you, this processing is based on our legitimate interest in offering you products and services and for business continuity.
Offering and measuring targeted advertisements and services
We may use Personal Information to personalize your experience with our products and services, on third-party websites and applications, and to determine the effectiveness of our promotional campaigns.
For any of the uses of your data described above that require your consent, note you may withdraw your consent at any time by visiting our Cookie Consent Tool.
Promoting safety and security
We use Personal Information to help verify user activity, as well as promote safety and security, such as by monitoring fraud and investigating suspicious or potentially illegal activity or violations of our terms or policies, and comply with any applicable law, regulation, legal process, or governmental request. Such use and processing is based on our legitimate interest in helping maintain the safety of our company and users who interact with us online.
How Long We Keep Your Personal Information
We will retain your Personal Information for as long as needed to fulfill the above mentioned purposes, and will not further process the data in a way that is incompatible with these purposes. We use the following criteria to determine how long to retain Personal Information: the length of time that we have a relationship with you, and the services we provide to you; your requests to us regarding your information, or our services; any applicable legal, contractual, tax, or accounting purposes; and technical considerations and feasibility.
How and With Whom We Share Personal Information
We do not share your Personal Information with any third parties except in accordance with this Privacy Policy and Your Privacy Choices. In this regard, to the extent permitted by applicable law and Your Privacy Choices, D.R. Horton Insurance Agency discloses information including your Personal Information we collect online, as well as information we may have collected about you in person, without notice to you, to the following categories of third parties:
D.R. Horton Affiliates
D.R. Horton and its Affiliates may share your Personal Information with one another, including our parent company, D.R. Horton, Inc., our other builder affiliate companies, our mortgage company, DHI Mortgage Company, Ltd., DHI Title, and our other title company affiliates, our title insurance company, DHI Title Insurance Company, and Forestar Group, Inc. Such sharing occurs primarily to complete transactions that you have requested, such as your purchase of an insurance policy or other product or service. Such sharing may be for the direct marketing purposes of D.R. Horton Insurance Agency or its Affiliates. D.R. Horton Insurance Agency is the party responsible for the management of your Personal Information that is jointly used by our Affiliates.
Third-Party Service Providers
If you are purchase an insurance policy from an underwriter associated with D.R. Horton Insurance Agency, we may share your Personal Information with our Third-Party Service Providers, and to permit our Third-Party Service Providers to communicate with you and provide services to you related to your policy.
Our Third-Party Service Providers also collect Personal Information directly from you and process your Personal Information on our behalf. When Third-Party Service Providers collect and process Personal Information on our behalf, they do so subject to their own privacy policies and their contractual obligations to us. Sharing of Personal Information with Third-Party Service Providers, and their direct collection of Personal Information, is described in more detail below.
Analytics Providers
Certain of our Third-Party Service Providers assist us in analyzing Automated Information we, and they, collect regarding the online behavior of visitors to our Sites.
Interest-Based Advertising Providers
D.R. Horton Insurance Agency and our Third-Party Service Providers may, in the future, utilize Third-Party Service Providers to deliver advertisements, including interest-based advertisements, to you based on your previous online behavior, including your browsing history, and other Automated Information they have collected about you while you have visited websites and utilized applications, including our own. Our interest-based advertisements may be delivered to you on our Sites, across the Internet and across your devices.
Storage Providers
We may share your Personal Information with third parties for the purpose of helping us gather, store, and maintain data.
Additional Purposes for Sharing.
Legal Matters.
It may be necessary to comply with the law, legal process, litigation, or requests from public or governmental authorities within or outside your country of residence—for us to disclose Personal Information. We may also disclose Personal Information if we determine, 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.
To Investigate and Prevent Suspicious Activity
We may monitor your use of our Sites or use your Personal Information to identify fraudulent activities and transactions, prevent violations of our Terms of Use that govern our Sites, and prevent and prosecute misuse of our Sites. Our efforts in this regard may result in the collection and analysis of additional information about your online behavior that we may share with our Third-Party Service Providers that are assisting us in our security efforts.
Business Transactions
We may share your Personal Information with potential or actual buyers or other parties to the transaction in the event of a potential or actual sale, spin-off, merger, or similar corporate transaction involving a business unit of D.R. Horton Insurance Agency.
Parties with Which We Co-brand
Some D.R. Horton Insurance Agency products and services may be promoted with other companies, including our Affiliates. If you click on links in these advertisements or register to receive more information about the co-branded products and services, your information, including your Personal Information, will be shared by D.R. Horton Insurance Agency with the other company associated with the co-branded advertisement. The information will be collected, used and shared in accordance with each company's privacy policy and other agreements with you, including Your Privacy Choices.
Your Privacy Choices
You may exercise certain controls regarding our use and sharing of your Personal Information. Please visit Your Privacy Choices to inform us of your choices.
Text Messages
We and our Third-Party Service Providers may offer you the ability to receive SMS text messages, including those sent using automated means. When you provide us your phone number, you represent you are the subscriber and regular user of the phone number provided and agree to promptly inform us of any changes. We send text messages with your consent, and they are not a condition of any purchase. Your mobile carrier's message and data rates may apply. You may choose to stop receiving text messages from us by replying STOP or by following the instructions in the message.
Do Not Track Signals
Some web browsers may give you the ability to enable "Do Not Track" functionality. "Do Not Track" is a browser setting that requests web applications eliminate their tracking of you. When you choose to turn on your "Do Not Track" setting, your browser sends a signal to third-party ad servers, digital advertising networks, data aggregators and others to stop tracking you. This is different from disabling Cookies on your browser. Browsers with the "Do Not Track" functionality enabled continue to have the capability to accept Cookies. There is currently no agreement or consensus on how companies should interpret a "Do Not Track" signal. Consequently, we do not honor "Do Not Track" signals. Instead, we allow you to exercise control over the collection and use of your information as described in this Privacy Policy. For more information about "Do Not Track," please visit www.allaboutdnt.org.
Social Security Number Policy
D.R. Horton Insurance Agency, in the normal course of business and as required by law, collects social security numbers. This information is transmitted over a secure connection that implements encryption of the Personal Information being transmitted. In addition, we prohibit unlawful disclosure and maintain other reasonable measures to protect and limit access to social security numbers to those on a need-to-know basis. We maintain reasonable procedures to destroy, erase, or make unreadable any data, computer files and documents containing social security numbers prior to their disposal. Failure to follow these procedures by any employee may subject the employee to disciplinary action up to, and including, termination.
Changes to Our Privacy Policy
We may update this Privacy Policy from time to time and without prior notice to you to reflect changes in our Personal Information practices or as required by law. We will indicate at the top of the policy when it was most recently updated.
Your use of our Sites after changes have become effective indicates your acceptance of the latest version of this Privacy Policy.
Your Privacy Rights
Depending on where you live, you may have some or all of the rights described below, and regardless of where you live, you may visit Your Privacy Choices to learn more about your rights and how they may be exercised.
Your U.S. State Privacy Rights.
Under some U.S. state laws, including the California Consumer Privacy Act of 2018 (as amended by the California Consumer Privacy Rights Act (CCPA)), Colorado Privacy Act, Connecticut Data Protection Act, and Virginia Consumer Data Privacy Act, residents may have certain privacy rights.
- Access/Portability. You may have the right to access your Personal Information in a portable and readily usable format. To submit an access or portability request, use the form at this link.
- Correction. You may have the right to request that we correct any inaccurate or incomplete Personal Information in certain circumstances. To submit a correction request, use the form at this link.
- Deletion. You may have the right to request that we delete your Personal Information, though this right may be subject to exceptions, including but not limited to, data necessary to perform a contract or comply with legal obligations. To submit a deletion request, use the form at this link.
- Appeal. You may have the right to appeal our decision if we decline to process your request. You may do so by sending us a statement of the reasons for your appeal via mail at D.R. Horton, Inc., Attn: Privacy, 1341 Horton Circle, Arlington, TX 76011, or by emailing us at PrivacyManager@drhorton.com.
- Non-Discrimination. If you have the right to exercise any of the rights set forth above, you have the right not to be discriminated against for exercising these rights.
- Sensitive Personal Information. Because we use sensitive Personal Information only to comply with certain legal obligations or complete transactions you have requested, we do not extend the right to request that we limit processing of sensitive Personal Information.
To learn more about these rights, and to exercise those that apply to you, you may visit Your Privacy Choices, contact D.R. Horton at D.R. Horton, Inc., Attn: Privacy, 1341 Horton Circle, Arlington, TX 76011, email us at PrivacyManager@drhorton.com or contact us by phone at 888-559-2763. As part of your request to exercise your right to access, correct, or delete the Personal Information we maintain about you, we may request information from you to enable us to confirm your identity. We will use this information only to contact you about your request and to authenticate your request. You may also designate an authorized agent to submit a request on your behalf.
Links to Other Websites
We may provide links from our Sites, through advertisements or otherwise, to third party websites or applications including various social media platforms. Those websites, applications and social media platforms have their own privacy policies and practices. This Privacy Policy does not address, and we are not responsible for, their content, privacy policies or practices or security and safeguarding practices. Any Personal Information you provide on these other websites, or to such other applications, will be subject to the privacy policies and practices of the third party. The inclusion of a link on any of our Sites does not imply endorsement of the linked website or application by us or any of our Affiliates. We are not responsible for the collection, usage or sharing practices or policies of other companies or platforms. Please visit those websites to review their privacy policies.
Children
Our Sites contain general information not directed towards children. We do not knowingly collect information from children under the age of 16. We do not sell the information of children under the age of 16 without affirmative authorization by the child's parent or legal guardian. If we learn that we have collected Personal Information from a child under age 16 without parental consent, we will either seek parental consent or promptly delete that information. If you believe that a child under age 16 may have provided us with Personal Information without parental consent, please contact us.
Security
D.R. Horton Insurance Agency has implemented reasonable administrative, technical, and physical safeguards, designed to protect your Personal Information from accidental, unlawful or unauthorized access, destruction, loss, alteration, disclosure, or use. However, no data security measures can guarantee security. You agree and acknowledge that we will not be liable or responsible for use or disclosure of your Personal Information that is the result of unauthorized or illegal access to our systems or those of third parties. If you believe the security of any information or data you have provided to us has been compromised, please immediately notify us of the problem by contacting us.
Contacting Us
If you have any questions, concerns or suggestions about our Privacy Policy, you may Contact Us by mail at: D.R. Horton Insurance Agency, Inc., Attn: Privacy, 1341 Horton Circle, Arlington, TX 76011, by email at PrivacyManager@drhorton.com, or by phone at 1-888-559-2763.
Definitions
Affiliates – Our Affiliates include, among others, our parent company, D.R. Horton, Inc., our builder and leasing affiliated entities, including DHI Communities, Inc., as well as DHI Mortgage Company, Ltd.; DHI Title, and our other title company affiliates; DHI Title Insurance Company; Forestar Group, Inc. and other non-builder affiliated entities.
Automated Information – We and our Third-Party Service Providers have automated means of collecting certain information from you when you visit our Sites, or otherwise interact with us online.
Cookies – Cookies are small pieces of text used to store information on web browsers. Cookies are widely used across the Internet to store and receive identifiers and other information on computers, phones, and other devices. We may also use other technologies, including data we store on your web browser or device, identifiers associated with your device, and other software, including Web Beacons and pixel tags, for similar purposes. In this Privacy Policy, we refer to all of these technologies as "Cookies."
Flash Cookie – A Flash Cookie, otherwise known as a Local Share Object, or LSO, is a group of data a website running Adobe may place on a website visitor's browser. Similar to other Cookies, Flash Cookies gather data about your Internet activity.
IP Address – An IP Address is a unique string of characters identifying each computer using the Internet Protocol to communicate over a network.
NPPI – Certain Personal Information that we collect is Non-Public Personal Information or NPPI. NPPI generally includes non-public personally identifiable financial information that we have collected from or about you, or that has resulted from a transaction for you in our delivery of insurance products and services to you. NPPI also includes any list, description, or other grouping of consumers and their publicly available information that is derived using any personally identifiable financial information that is not publicly available.
Sites – Our Sites include this Website, our Mobile Applications, and our Social Media Pages.
Third-Party Service Providers – Our Third-Party Service Providers are companies that provide services to us or on our behalf, including insurance agencies, marketing companies, digital advertising agencies, third-party ad servers, third-party email servers, website hosting services, investor relation firms, payment processors, financial institutions, data aggregators, analytics providers, advertising networks, and others.
Web Beacon – A Web Beacon is an automated method to track visitors to websites. Web Beacons may also be used to assist with marketing to determine if an email was read or forwarded.
Effective Date
This Privacy Policy was last revised and is effective as of the date set forth at the beginning of this Privacy Policy.