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Telematics Terms and Conditions of Use

Updated October 23, 2023

This Agreement contains important information about Kemper Auto’s telematics program. Please read this carefully and save with all other policy forms. BY INSTALLING OR USING THE TELEMATICS MOBILE APPLICATION OR OTHERWISE CONFIRMING YOUR ENROLLMENT IN THE TELEMATICS PROGRAM, YOU ACKNOWLEDGE THAT YOU HAVE READ AND ACCEPT THE TERMS AND CONDITIONS OF THE PROGRAM LISTED BELOW.

DEFINITIONS

The following terms are defined and apply to this agreement only.

  1. You and your refer to all drivers enrolled in the program.   
  2. Named Insured means the individual or individuals listed as Named Insured on the declarations page.
  3. Program means the telematics program.
  4. App means the mobile application.

OVERVIEW

The program assists our policyholders to better understand their driving behavior, develop safe driving habits, and improve safety. Customers voluntarily opt in to sharing their data while driving. The program gathers data using the app.

ENROLLMENT AND PARTICIPATION

Your participation in the program is expressly conditioned on your acceptance of these terms and conditions. Participation in the program is strictly voluntary. You may choose to stop your participation at any time. Your continued use of any Kemper mobile app, or other technology capable of collecting the necessary data points, indicates your acceptance of the program terms and conditions, as may be updated from time to time without prior notice by Kemper Auto.

  1. You must complete the following within 30 days of enrollment in the program on an active policy:    
    a. Provide a unique mobile phone number for the named insured;    
    b. Install and begin using the app;    
    c. Enable location services and motion permissions to ensure the app functions properly.   
  2. Additionally, to continue to participate in the program, even when you are not actively driving, you must:    
    a. Keep the app on and running in the background with location services and motion permissions turned on until the minimum logging requirement is met; 
    b. Maintain your insurance coverage with Kemper Auto for the duration of the program;    
    c. Notify Kemper Auto of any changes that may affect your policy;    
    d. Meet all other terms and conditions of the policy; and    
    e. Adhere to the Terms and Conditions of Use of the program.  

Failure to satisfy these requirements may result in disqualification from the program and loss of any applicable discounts. You acknowledge and agree that you are authorized by the registered owner(s) of the applicable vehicle to collect and transmit data captured by the app. You also acknowledge and agree that you are authorized to collect vehicle usage data while other individuals operate or ride in the same vehicle as you.

DATA COLLECTION

We gather the following information during enrollment and participation in the program. 

  1. Named insured’s email address  
  2. Named insured’s mobile phone number  
  3. Information provided to Kemper Auto in the policy application  
  4. The app may collect information that includes but is not limited to the following as you drive:    
    a. Distance, using GPS location services and coordinates    
    b. Mobile device usage while driving    
    c. Mobile device ID    
    d. Mobile device model and carrier information    
    e. Cornering    
    f. Braking    
    g. Date and time of day    
    h. Smoothness    
    i. Speed    
    j. Acceleration    
    k. Deceleration    
    l. VIN

How We Use the Information Collected:    
The information logged and stored is used to help you develop safe driving habits and improve safety. The information gathered from each trip will be prepared by our technology partners and provided to Kemper Auto.

POLICY RATING

Your participation in the program may entitle you to a discount. Requirements for discount eligibility may vary by state program. We will provide you with these requirements after you enroll in the program.

You as the named insured may opt out of the program at any time and the discount will be removed.

In the future, we may use driving behavior data from the app in the rating of your policy. This may include the eligibility for a premium discount or the imposition of a surcharge. Our use of this data in rating is subject to approval by the State Department of Insurance. We will provide you with notice if we are going to use this data in rating your renewal policy.

CLAIMS

Driving information or data gathered by the app for each enrolled driver may be helpful in determining the cause of a loss. Therefore, Kemper Auto, at its discretion, may also review the data from the app as part of its investigation of an automobile accident. Additionally, information from the app may be sought by third parties, such as opposing parties in a civil lawsuit or by police when investigating the cause of an accident. Furthermore, Kemper Auto may be required to provide such information in response to a subpoena or as otherwise required by law. 

RESEARCH AND DEVELOPMENT  

The following are examples of how Kemper Auto may use information gathered from the app:  

  1. To improve the prices we charge for insurance,
  2. To improve our underwriting criteria and processes,  
  3. To develop new insurance products and services that will encourage safe driving,  
  4. To evaluate risk and analyze your driving habits,  
  5. To provide to state insurance departments, on an aggregate and anonymized basis, in support of Kemper Auto’s rates and filed underwriting guidelines, and  
  6. To develop and improve the app. 

DISCLAIMERS, WARRANTIES, AND EXCLUSIONS

  1. We reserve the right to amend, waive, modify, or supplement the terms of the program at any time for any reason without prior notice to you.  
  2. We may terminate your participation in the program at any time for any reason.  
  3. We may take adverse action against your policy for fraudulent use or other misuse of the app.  
  4. Kemper Auto expressly disclaims, waives, releases and renounces any warranties, express or implied, including any warranties of merchantability, infringement, or fitness for a particular purpose.  
  5. We shall not be liable for any special, incidental, consequential, exemplary, or punitive damages including damages for bodily injury or damage to other vehicles or property arising out of or related to the app or its use.  
  6. You agree that Kemper Auto’s total liability for damages caused by the app shall not exceed fifty dollars ($50). If the app impedes driving functions, you agree to stop use of the app and contact Kemper Auto.

PRIVACY

Protecting your privacy is very important to us. Customers like you have trusted us with their insurance needs, and we take our obligation to safeguard and secure your personal information very seriously. Along with our technology partners, we follow strict data security and privacy protocols to protect your information. We will not disclose information except as described herein and as described in the Kemper Auto Privacy Policy: https://www.kemper.com/privacy-policy

SUPPLEMENTAL TERMS

By installing the app, you may be subject to Supplemental Terms and Conditions as described in the Kemper Terms of Use located here: https://www.kemper.com/terms-of-use

ACCEPTANCE AND CONSENT

By enrolling in the program and installing the app:   

  1. You accept this agreement and the Terms of Condition and Use of the app.
  2. The named insured agrees that they have the consent of each driver listed on the policy and that information gathered through the app, including GPS location information if applicable, will be provided to us.
  3. You permit us to retain and use the information as described above and according to legal requirements for data retention. 
  4. You agree that you will not tamper with, modify, alter, change, disassemble, reverse engineer, copy, or duplicate in any manner the app or any other technology used to collect driver data. If it is determined that the app or technology has been tampered with, modified, altered, changed, disassembled, reverse engineered, copied, or duplicated in any manner by you, you will be removed from the program and may be denied future participation in any other Kemper Auto program or offering. You also may be subject to legal action.