Privacy Policy / North Carolina

North Carolina


(Last updated January 25, 2023)

About This Notice

We are committed to protecting your privacy and earning your trust. This Privacy Policy (“notice“) describes the personal information we collect about you and how we use and protect it. It applies to our current and former customers and others who live in your state. It replaces earlier versions that we may have given to you.


This section summarizes our privacy practices. For more detail, please read the entire notice.

  • We gather information from you, your transactions with us, and outside sources.
  • We use your information only to conduct our business and provide insurance to you.
  • We will share your information with your selected agent or broker and companies that provide certain products or services you request through us.
  • We will not share your information with other companies for their independent marketing purposes without your consent.
  • You can limit our use of some of this information for marketing purposes.
  • We limit access to your information and use safeguards to help protect it.
  • You may review and correct your information.

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What information do you collect about me?

We collect information about you to quote and service your insurance policy. This is called “Nonpublic Personal Information” or “NPI” if it identifies you and is not available to the public. Depending on the product, we collect it from some or all of the following sources. We have provided a few examples for each source, but not all may apply to you.

  • Application Information: You provide this on your application, through your agent or broker, by phone, or online. We may also obtain it from directories and other outside sources. It includes your name, street and e-mail addresses, phone number, driver’s license number, Social Security number, date of birth, gender, marital status, and type of vehicle. It also includes information about other drivers.
  • Consumer Report Information: We obtain this from consumer reporting agencies. It includes your driving record, claims history with other insurers, and credit report information. The information is kept by the consumer reporting agencies and disclosed by them to others as permitted by law.
  • Transaction Information: This is information about your transactions with us, our affiliates, or others. It includes your insurance coverages, limits and rates, and payment and claims history. It also includes information that we require for billing and payment.

We also may collect “Website Information” about you. This is unique to Internet activity. It may include how you linked to our website. It also may include your IP address and information about your device, time of visit, and what pages you visit on our website. When you visit our websites, we use cookies, web beacons, and other technology to collect information about you and your activities on our websites. We do this to provide services to you, enhance your online experience, and advertise our products and services.

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Who might get information about me from you?

We will share information about you only as permitted by law. We will not share your NPI with other companies for their independent marketing purposes without your consent. There is no need to “opt out” or tell us not to do this.

Disclosures include those that we feel are required to provide insurance claims or customer service, prevent fraud, perform research or comply with the law. Recipients include, for example, our family of companies, claims representatives, service providers, consumer reporting agencies, insurance agents and brokers, law enforcement, courts and government agencies. They may disclose the information to others as permitted by law. For example, consumer reporting agencies may disclose Transaction Information received from us to other insurance companies with which you do business.

Where permitted by law, we may also disclose Application or Transaction Information to service providers that help us market our products. These service providers may include financial institutions with which we have joint marketing agreements.

Some products or services obtained through us will be provided by other companies. We may share your information with these companies. They will use the information as described in their privacy policies. These companies may share with us information about you and your transactions with them.

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Can I limit use of my information for marketing?

We may share your NPI among our family of companies so they may offer products and services to you. You may limit some of this marketing by calling us at (541) 646-7873. Your choice will apply to all people listed on your policy.

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How do you protect my information?

We restrict access to your information to our employees and others who we feel must use it to provide our products and services or otherwise run our business. Their use of the information is limited by law, our employee code of conduct, and written agreements where appropriate. We also maintain physical, electronic and procedural safeguards to protect your information.

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How can I review and correct information you have about me?

To review information we have about you, send a written request to Customer Service, P.O. Box 1026 Escondido, CA 92033. You must describe the kind of information you want to review and state that your request is in response to this notice. Include your full name, mailing address, and policy number (if applicable). Within 30 business days, we will describe what is available and how you may request corrections. We will also name anyone we show as having received the information within two years prior to your request. Finally, we will identify the companies that have provided Consumer Report Information about you.

You may review the information at our offices or receive a copy of it for a fee to cover our costs. We will not provide information that we feel is privileged, such as information about insurance claims or lawsuits.

To correct information about you, send a written request as described above, explaining your desired correction. Within 30 business days, we will either make the requested correction or tell you why we will not. We cannot correct Consumer Report Information. To do this, you must contact the consumer reporting agency that provided it.

If we make your requested correction, we will notify you in writing. We will also notify anyone you name who may have received the information within the previous two years. If required by law, we will also notify others who may have given it to or received it from us. If we refuse to make the requested correction, you may file with us a concise written statement about why you object. That statement should include the information you think is correct. We will include your statement in your file. We will send it to the same persons to whom we would send a copy of any correction or change.

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Our family of companies

This notice is from our family of companies. Our family of companies also includes RL Health and the entities that it directly or indirectly majority owns or controls. Those companies are governed by a separate privacy policy available at .

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Additional Information about Internet Practices

When you visit our websites, we collect Website Information for various reasons. For example, if you start an insurance quote on our website, but decide to finish it later, we will save your information so you can pick up where you left off. We may use your Website Information to serve ads to you across multiple devices, such as your computer, smartphone, or tablet, or to limit the number of times you see our ads. We may also use your Website Information to customize your experience with and analyze your use of our websites and interaction with our ads.

We may transmit certain Website Information to third party advertising companies we work with (“Ad Companies”) to, among other purposes, measure our advertising efficiency or track referrals to our website. Some Ad Companies may be able to associate Website Information with other information they already have about you.

We advertise through Ad Companies on websites and mobile apps. We also do this on internet-connected platforms such as streaming TV devices. Some of these sites, apps, and platforms may use cookies, web beacons and other technology to capture and share information about you or your device with us or our service providers. These service providers may use information about your visits to and interactions with this and other websites, mobile apps and platforms, or the ads themselves, along with information about you, your purchases or interests (which may include Website Information), to provide ads about goods and services that may interest you (“Interest Based Advertising” or “IBA“). Some of this information may be exchanged with us or other service providers for market research or to analyze and manage our advertising and marketing efforts.

We adhere to the Digital Advertising Alliance’s (“DAA’s”) IBA principles. You may limit the extent to which Website Information is used to deliver IBA. You may do this using the DAA’s WebChoices tool at The WebChoices tool will provide you with more information about your privacy choices. The tool also will provide you with a list of companies that compile Website Information about your interactions with this and other websites, and a means to opt out of the collection and use of certain Website Information for IBA on your browser. You can also opt out of receiving certain IBA from Nucleus Insurance by clicking on the advertising options icon displayed in certain Nucleus Insurance ads shown to you online. By clicking the icon, you can learn more about and opt out of the use of certain Website Information for IBA on your browser.

You may have other means of controlling the use of cookies and other tracking technologies on this and other websites. You may be able to instruct your browser or mobile device to warn you each time a cookie is being sent, or to reject all or certain kinds of cookies. Typically, you can do this by changing the privacy settings on your internet browser or device. However, if you reject cookies, some websites may not function properly, and some website services may be diminished. In most cases, you must manage these settings on each of your browsers or devices. For example, blocking cookies on your desktop browser may not work for your mobile device.

Your browser or device may include a “do not track” (DNT) setting that signals websites to disable tracking by third parties, such as advertising companies. Our websites do not recognize the DNT signal, but you may access the DAA’s WebChoices tool to manage your IBA preferences.

We believe that these means of controlling the use of cookies and other tracking technologies constitute reasonable choice regarding Website Information and IBA. But some cookies and other tracking technologies may persist on this and other websites.

We will send our policyholders a written privacy policy with any changes at least once a year. Website visitors who are not policyholders should refer to the date at the top of this notice to see if it has been updated.

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Why do you ask for my e-mail address?

When you quote or buy insurance on our website, we collect your e-mail address. We do this so that we can send you e-mails concerning your transactions with us. We may also send updates with other information we think you’ll find useful. You can stop these updates by using the links provided in the emails. Customers may also manage their preferences in the policy services area of our website.

We will share your e-mail address with our service providers and your selected agent or broker. We will not share your e-mail address with other companies for their marketing purposes without your consent.

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What about website security?

Our security measures help secure your data, so that others cannot access it while in transit. We limit access to our servers and require our employees to adhere to high standards of ethics and integrity in performing their jobs.

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Our website contains links to other sites that we do not maintain. We make no warranties or representations about other websites. We recommend that you read the privacy and security policies of these sites.