The following outlines the terms of participation for enrollment in the Telematics program offered by Liberty Mutual Group and its affiliates, subsidiaries, and partners (collectively "Liberty Mutual" or "we", "us" and "our"). This is a voluntary insurance program that leverages driving data to promote safe driving habits, enhance overall safety, gain insights into driving behaviors and develop additional services. These Terms & Conditions explain how we collect, use and share "your" data obtained through "your" participation in "the Program".
The following terms apply to these Terms & Conditions only:
"You" and "your" refers to the Named Insured as shown on the Declarations page.
"The Program" means the Telematics Program as described in these Terms and Conditions.
"Technology" refers to the device being used to transmit driving data.
"Service Providers" refers to the third-party providing the telematics services.
Participation
If "you" participate in the Telematics Program ("the Program"), we collect certain data continuously during the policy which may be used to adjust "your" auto insurance discount for participating in "the Program". This agreement governs "your" enrollment in "the Program" and "your" use of any devices or other technology required to enable the collection of data as part of "the Program" ("Technology"). Liberty may share certain data about "you" and "your" participation in "the Program" with other companies (collectively "Service Providers"). Read below for more details about the information that we may share with them.
By agreeing to participate in "the Program", "you" are expressly permitting us to collect and transmit "your" data through the "Technology". A list of the data collected can be viewed below.
Participation in "the Program" is voluntary and is not required to obtain an insurance policy. If "you" do not agree with these Terms and Conditions, then "you" should not participate in "the Program". "Your" consent to these Terms and Conditions is shown by "your" acceptance of the participation agreement. These Terms and Conditions apply to all vehicles and drivers on "your" policy, whenever added, "your" consent applies for all rated drivers, vehicles and operators on that policy.
Activation
In order to participate and remain in "the Program", "you" are required to register/enroll, activate, and properly install, "Technology" within 30 days of policy issuance. "You" must have the "Technology" continuously active during the course of the Policy Period, meaning the device is collecting and transmitting driving data. Failure to satisfy these requirements will result in "your" removal from "the Program" and the immediate loss of any enrollment or participation discount offered in exchange for "your" enrollment in "the Program". Removal of the participation discount will be retroactive to the policy inception or the most recent renewal.
Discount Adjustment
By agreeing to participate in "the Program", "your" auto insurance premium may be adjusted based on "your" continuous participation within "the Program" and the discount being provided.
Use of Data and Third-Party Disclosures
We will not sell, give away, or otherwise transfer the data collected by participating in "the Program" except as otherwise described in these Terms & Conditions. We may use the data as permitted by law, including for purposes of adjusting "your" participation discount, to improve underwriting criteria and processes, analyze operator driving habits and evaluate risk, providing services related to "the Program", developing rate or premium information, developing other services and benefits to offer to "you" or other customers, or for research. "You" also agree that we may use the data in connection with any insurance claim, including for purposes of reporting, investigating and determining cause of loss. We reserve the right to collect data as long as the "Technology" is in use, and we retain the collected data in accordance with our legal obligations, our records retention policies, or as otherwise permitted by law.
We may provide data to our "service providers" for the purposes described here. We may also share the data in accordance with our legal obligations or as otherwise permitted by law, such as pursuant to a subpoena, law enforcement or regulatory inquiry or some other duly authorized request.
We will not sell or distribute "your" information to any third-party companies for marketing purposes.
Use of Technology
"You" agree that "you" will not destroy, alter, disassemble, duplicate, clone, or otherwise tamper with the Technology, nor will "you" attempt to reverse engineer the firmware, software, or source code.
Program Eligibility
Device(s) provided by us are available to customers with 1-5 power units, that do not already have telematics service providers and/or devices installed on them.
Customers who have already purchased and installed telematics devices, which are actively sending and receiving data through a telematics service provider may be eligible to participate in "the Program", subject to verification that their "service provider" is a participating partner with our data collector. The mere existence of such a telematics device does not automatically enroll or qualify "you" or any vehicle in or for "the Program".
Program eligibility is contingent upon "you" providing a valid email address or other contact information required by us, "your" consent to these Terms and Conditions, and/or proper installation, activation, or registration of the "Technology".
Enrollment Changes
Continuous transmission of driving data must be maintained at all times in order to participate in "the program". If we do not receive notice of installation and activation of the provided "Technology" within 30 days of issuance or if there is evidence of tampering with the "Technology" or disablement of the "Technology", we reserve the right to retroactively terminate any enrollment or participation within "the program" to include the discount we offer. If we uncover evidence of tampering, disablement of the "Technology", or any type of concealment of driving activity, we reserve the right to bar "you" from future participation in "the Program". Removal of the discount will be retroactive to policy inception or the most recent renewal.
If "you" would like to cease or pause participation in "the Program", "you" should contact the Liberty Mutual agent listed on "your" Declarations page.
Any changes in enrollment or participation, including a decision to stop the collection and transmission of "your" data via the "Technology", will take effect 72 hours after "you" request removal from "the Program". "You" agree that any change in enrollment or participation will not alter our retention of, continued use of, or future use of data that was collected or transmitted prior to the effective date of any change in enrollment or participation.
Updating Program Terms and Conditions
We reserve the right to modify or discontinue "the Program" with or without advance notice to "you".
"You" should regularly check this site for changes to the Terms and Conditions. If "you" continue to use "the Program" after any changes to the Terms and Conditions are posted on the site, "you" will be considered to have received notice of, accepted, and agreed to be legally bound by such changes.
Privacy
We maintain physical, electronic, and procedural safeguards to protect "your" non-public information. These safeguards comply with applicable laws. We will not disclose information except as described herein and as described in the Liberty Mutual Group Privacy Notice.
Other Terms
We will not assume any liability for damages caused by the "Technology". Further, we shall not be liable for any indirect, incidental, consequential, special, punitive, exemplary or other damages arising out of or in any way related to the use or possession of "Technology" or "the Program", including without limitation, damage for bodily injury, lost wages, or damage to "your" smartphone, other vehicles or property, caused by or resulting from the installation, activation or registration of the "Technology". Nor are we liable for the unauthorized disclosure or improper use of "your" information by the "Technology", or actions or inactions by our "service provider".
When devices are provided by us, our aggregate liability for any reason and upon any cause of action arising out of or in any way related to the "Technology" shall be limited to direct property damage to the vehicle in which it is properly installed according to our instructions. Our failure to exercise or enforce any rights or provision of this agreement shall not constitute a waiver of such right or provision.
Devices provided by third-party telematics "service providers" must be installed by and maintained to manufacturer specifications.
Telematics data collected and transmitted to Liberty Mutual Group
- Mileage
- Time of Day
- Acceleration
- Braking
- Turning
- Cornering
- Location
- Technology Source
- Speed
- Idle Time
- Technology Connection Event
- Technology Disconnection Event
- Vehicle Identification Number (VIN)
- Trip Start (System Generated)
- Trip End (System Generated)
- Radius of Operation Indicator
Data elements included in this list are comprehensive of both Liberty Mutual Small Commercial telematics programs that are currently available to customers. Not all elements are collected for all programs.
We reserve the right to modify or discontinue the Program with or without notice to you.
You should check for any changes to the Terms and Conditions on this Site. If you continue to use the Program after any changes to the Terms and Conditions are posted on this Site, you will be considered to have accepted, and to have agreed to be legally bound by, such changes.