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Program terms and conditions

Here are the details about USAA SafePilot®.

1. Acceptance of Terms and Participation: These terms and conditions ("Terms") constitute a legal agreement between You and USAA relating to your participation in one of the USAA SafePilot programs. The use of “You” or “your” in these Terms mean all insured drivers including minors and any other operators listed on your current auto policy who you have chosen to enroll in an optional program. “USAA” or “we” means United Services Automobile Association and its affiliates. The Terms apply in addition to, and are not intended to replace, any other contract or agreement that apply in connection with any USAA products and/or services.

1.1 Acceptance Through Download and Participation: You may choose to participate in either a discount program or a usage-based mileage program. Your participation and continued use of the mobile application is expressly conditioned on your acceptance of these Terms that apply to both programs. If you do not agree with any part of the Terms, you should not continue to participate in the program. If you choose to continue to participate, you and any minors whose participation and use you are authorizing, agree to be legally bound by the Terms. Your and their continued use of the mobile application throughout the policy term signify your continued agreement with the Terms. Terms may be updated from time to time and will always be available for your review and downloading. If you do not agree with any updates to the Terms, you should take immediate steps to unenroll from the program by calling or going online to make a change to your policy choice. In conjunction with unenrollment, you and other insureds who have participated in one of the programs should delete the app from your mobile device and discontinue use.

1.2 Continued Acceptance and Participation: Continued use and participation through each renewal term is expressly conditioned on your continued acceptance of the Terms in place at that time. You may continue to review the Terms and all updates. All versions of the programs’ Terms are available for your review within your app or at https://www.usaa.com/insurance/safedriving/program-terms-and-conditions. Continued use and participation in either program by you and any end user on your policy serves as confirmation of  acceptance of all Terms. If any updates to Terms are not acceptable, you should take immediate steps to unenroll from the program by calling or going online to make a change to your policy choice. In conjunction with unenrollment, you should delete the app from your device and discontinue use.

1.3 Age of Majority Acceptance: If you entered into a program as a minor through the acceptance of any agreements and Terms by a parent or guardian who named you on their policy, your parent or guardian also accepted Terms on your behalf and permitted you to enroll and participate in a SafePilot program. Once you have reached the age of majority, you are required to read the Terms and determine if you are accepting them and continuing to participate in the program. If you choose to accept them, you may keep using the mobile app, keep it downloaded on your phone, keep all permissions enabled as required for use and continue to send and allow us to use data as specified in these Terms. If you do not agree to any of the Terms, while this will not affect your policy coverage, you may not continue to use the mobile app or participate in the program. You should delete the app from your phone and advise us of your unenrollment. If you unenroll from the usage-based mileage program everyone else named on a policy with you will be required to unenroll from the program, but we will continue to provide uninterrupted coverage to everyone through a traditional auto policy. Policy rates will be affected by any change in programs. We will notify the named insured on the policy of the need to have you review and approve these Terms, or of any changes to the policy caused by your non acceptance.  

1.4 PROGRAM NOTICE: EACH PROGRAM WITHIN USAA SAFEPILOT IS AN OPTIONAL LIMITED OFFERING. AVAILABILITY IN YOUR STATE OF ANY OF THE PROGRAMS IS DEPENDENT ON YOUR STATE’S REQUIREMENTS FOR EACH PROGRAM AND THE FILINGS IN YOUR STATE. THE ACCURACY AND PERFORMANCE ON THE USAA SAFEPILOT MOBILE APPLICATION IS NOT GUARANTEED AND SPECIFIC FEATURES MAY VARY BY STATE. EACH PROGRAM IS SUBJECT TO BEING DISCONTINUED AT ANY TIME.

2. Enrollment, Eligibility and Device
2.1 Enrollment: To enroll in either the discount or usage based mileage program and to begin to use the USAA SafePilot mobile app, you must purchase and be a named insured or spouse on a USAA auto policy and, as applicable, have the authority to express consent for all rated drivers including minors and operators who you ask us to insure as well as all vehicles you place on your policy. The Terms apply to all insureds on your policy who choose to participate. With your authorization and consent, all minors are subject to the same Terms to which you agree and continue to agree to from the time of enrollment. No insured who is listed or added to your policy is ever required to participate. However, participation in the usage-based insurance program is required of all insureds on your policy, if you choose that program. The programs are voluntary.

2.2 Eligibility: USAA reserves the right to restrict access to or use of its programs as necessary to satisfy legal or regulatory requirements that either presently exist or may exist in the future.

2.3 Device Capabilities and Updates: To participate in either program, you are required to download and install the USAA SafePilot app. The mobile app is available on the Apple App store and Google Play store.  All participants including the minor children you enrolled and authorized to participate must also download and install the app. You will be required from time to time to install software updates. Certain features of USAA SafePilot may require specific hardware elements, such as wireless internet access capability, Bluetooth antenna, or other. You will be prompted at set up to keep certain features of the phone always active. When you do not follow prompts, the app won’t operate as designed and determination of your discount or monthly premium may be affected.

3. Termination of Access: USAA may, at any time, suspend your access to USAA SafePilot mobile app, or any components thereof, at its discretion. You may uninstall and stop using the app at any time. You should uninstall USAA SafePilot if you transfer your device to someone else. USAA may, without prior notice or liability, discontinue or change any aspect of the programs. This includes restricting or removing access to specific features or data which may previously have been accessible.

4. Information Use and Privacy: Personal information received by USAA will be treated in accordance with the USAA Privacy Promise and Online  Practices that can be found at www.usaa.com/privacy. To protect your personal information from unauthorized access and use, we use security measures that comply with applicable state and federal privacy laws. These measures include computer safeguards and physical security at our offices.

5.   Feature Specific Information
5.1 Data Collected: USAA SafePilot collects date, time, location, mileage as well as driving behavior information relating to your behaviors while driving including but not limited to speed, acceleration, braking, swerving, cornering, distance driven, location, handheld calling, hands-free calling, phone handling and other driving related data ("Data").

5.2 Text Messages: For new enrollees to the safe driving program on your policy, USAA or its affiliates, agents, vendors, or service providers (collectively "USAA"), will send SMS messages ("messages") to those individuals whose phone number you have provided to USAA. WHEN YOU INSTRUCT USAA TO SEND MESSAGES RELATED TO A USAA SAFEPILOT  PROGRAM TO YOU OR TO OTHERS INCLUDING MINORS, YOU REPRESENT AND WARRANT THAT YOU AND EACH PERSON YOU HAVE INSTRUCTED US TO MESSAGE HAVE CONSENTED TO RECEIVE SUCH MESSAGES TO INCLUDE ANY RELATED ADMINISTRATIVE TEXT MESSAGES FROM USAA. "Administrative text messages" are periodic transactional messages from USAA, that include a “welcome message" or instructions on how to stop receiving messages. You or others no longer wishing to receive such messages can opt-out of receiving further messages from USAA at any time by following the instructions provided. If you no longer wish to receive such messages, you agree that you will opt-out through the instructions provided. If you have reason to believe that others on whose behalf you have relayed consent to receive such messages no longer wish to receive such messages, you agree you will instruct them to opt-out following the instructions provided. You represent and warrant to USAA that each person you have instructed us to message understands that each person is responsible for the cost of any message charges assessed by their mobile carrier, including any international message charges that may apply when messages are transmitted from U.S.-based numbers.

5.3 Use of Data: Data collected through USAA SafePilot will be used for any business purpose consistent with continuing to offer and service the programs that include determining a discount within the discount program, determining your mileage and premium within the usage-based mileage program, determining driving scores and applying discounts or pricing specific to each program. By participating in a program, you are agreeing and consenting to the transmittal, download, retrieval, access, storage, and use of the data by USAA and its third-party service providers. You also agree that data may be used for any business purposes consistent with the program and the Terms of your auto policy. Business purposes include 1) understanding adherence to the Terms; 2) working with third party service providers to assist us with research, development, analysis and other insurance related services; 3) detecting and preventing fraud; 4) detecting and analyzing collisions; 5) developing or implementing new rating factor and scoring models; 6) determining discounts, premiums and underwriting of policies; 7) investigating, adjusting and resolving claims; and 8) providing data for use or as required for discovery in lawsuits, in claims investigations, as required when subpoenaed and for regulatory investigations and inquiries.

6. Results, Disclaimer and Support
6.1 Program Results: Results are available to you solely through USAA SafePilot. You may dispute and adjust the assignment of any trip that you have taken during the most recent 14 days within the app, or through an insurance professional at 800-531-USAA (8722) for any trips beyond 30 days. You have the ability to select whether you were the driver, a passenger, or if it was not a trip because you used another mode of transport such as public transit. You can find instructions on https://www.usaa.com/insurance/safedriving/faq.

6.2 Disclaimer and Hold Harmless: USAA SafePilot is intended to be used solely in hands free mode and was built so you never are required to hold, touch or view your phone while driving. Use of a mobile or handheld device while driving is at your own risk and subject to applicable local, state and federal laws. You agree to hold USAA and our service providers harmless for your use of USAA SafePilot, including but not limited to your failure to abide by relevant laws and regulations while driving. USAA MAKES NO REPRESENTATIONS EXPRESSED OR IMPLIED, REGARDING USAA SAFEPILOT AND THE DISCOUNT OR USAGE BASED DRIVING PROGRAMS. USAA DOES NOT REPRESENT OR WARRANT THAT USAA SAFEPILOT AND/OR THE PROGRAMS WILL RESULT IN SAFER DRIVING OR LOWER PREMIUM NOR DOES IT REPRESENT OR WARRANT THAT USAA SAFEPILOT AND/OR THE PROGRAMS WILL PREVENT UNSAFE DRIVING, COLLISIONS OR OTHER HARMFUL EVENTS.

6.3 Support: For support related to USAA SafePilot or the programs, please call 800-531-8722 for assistance.

7. Other Terms
7.1 Third-party Fees: USAA SafePilot transmits data via your wireless carrier or an accessible Wi-Fi network. USAA is not responsible or liable for any charges associated with your choice to use USAA SafePilot. You are responsible for any fees charged by your telecommunications provider or any other third party in connection with your use of USAA SafePilot.

7.2 Severability: If any provision of the Terms is held to be illegal, invalid, or unenforceable by a competent court, then the provision shall be enforced to the maximum extent permitted by law, and the remaining provisions of the Terms shall continue to remain in full force and effect.

7.3 Warranty: THE PROGRAMS ARE PROVIDED ON AN "AS IS" BASIS, WITHOUT WARRANTY OF ANY KIND. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, USAA DISCLAIMS ALL WARRANTIES, EXPRESS, IMPLIED, STATUTORY OR OTHERWISE, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF FITNESS FOR A PARTICULAR PURPOSE, MERCHANTABILITY, TITLE, QUALITY, AND NONINFRINGEMENT. USAA EXPRESSLY DISCLAIMS ANY WARRANTIES OF ANY KIND WITH RESPECT TO THE SERVICE, INCLUDING WITH RESPECT TO THE ACCURACY OR FUNCTIONALITY OF THE SERVICE, THE ACCURACY, VALIDITY, OR COMPLETENESS OF ANY INFORMATION AVAILABLE THROUGH THE SERVICE.

7.4 Trademarks: USAA trademarks and related imagery used in connection with the USAA safe driving program are the property of USAA. Other trademarks and related imagery encountered are the property of their respective owners.

7.5 Jurisdiction and Venue: If any claim or dispute under this agreement is not subject to arbitration, then exclusive jurisdiction and venue shall be with a court of competent jurisdiction in Bexar County, Texas. You consent to the jurisdiction of such courts and agree to accept service of process issued by such.

7.6 Limits on Use of Application: Services provided through the programs may contain proprietary content that is protected by intellectual property laws. You agree to the Services only as permitted. You agree not to engage in any of the following prohibited actions:

  • Reproduce any portion of the Services in any form or by any means.
  • Modify, rent, lease, loan, sell, distribute, reverse engineer, or create derivative works based on the Services, in any manner.
  • Exploit the Services in any unauthorized way whatsoever, including but not limited to, by trespass or burdening network capacity.
  • Use the Services to harass, abuse, stalk, threaten, defame or otherwise infringe or violate the rights of any other party.
  • Use or assist others to use the Service or equipment for any unlawful, unauthorized, abusive or fraudulent purpose.

7.7 Termination: USAA and its licensors reserve the right to change, suspend, remove, or disable access to any Program at any time without notice. In no event will USAA be liable for the removal of or disabling of access to any such Program. USAA may also impose limits on the use of or access to a Program, without notice. You may terminate your participation in a program by discontinuing use of USAA SafePilot and notifying USAA.

7.8 Miscellaneous: Subject to section 1.1 through 1.4 above: (a) The Terms represent the complete agreement concerning the driving program between you and USAA and the most current posted version of the Terms supersedes all prior or contemporaneous agreements and representations between you and USAA regarding the subject matter of the Terms. (b) The Terms, as amended from time to time, will remain in force as long as your automobile policy continues to be in effect through any renewal, transfer, rewrite, reinstatement, or amendment of the automobile policy, or, if you request to discontinue participation, until 30 days after participation is discontinued.

7.9 Additional Information: Use of the term "member" or "membership" does not convey any eligibility rights for auto and property insurance products, or legal or ownership rights in USAA. Membership eligibility and product restrictions apply and are subject to change. To be eligible for auto and property insurance, separated military personnel must have received a general discharge under Honorable Conditions.

Eligible former dependents of USAA members may purchase auto or property insurance if the member obtained USAA auto or property insurance.

USAA means United Services Automobile Association and its insurance, banking and other companies. Bank Member FDIC.

No Department of Defense or government agency endorsement.