TrueLane® App Terms and Conditions

The Hartford
 
 




 
January 2025
 

TrueLane® Mobile Application Program Terms and Conditions

These TrueLane® Mobile Application Program terms and conditions (“Agreement”) apply to your voluntary participation in The Hartford’s (Hartford Fire Insurance Company and its affiliated property casualty insurers hereinafter “The Hartford”, “Hartford”, or “we”) TrueLane® Mobile Application Insurance Program. This Agreement is between you and The Hartford. The Agreement applies to the Program and The Hartford’s use and collection of information, data and “Collected Data”. You must execute this Agreement in order to enroll and participate in the Program. The App used in the Program is a telematics data collection device provided by Cambridge Mobile Telematics Inc. (“CMT”). For more information about CMT, please visit their website at https://www.cmtelematics.com/.
 

1. Eligibility

To be eligible to participate in the Program you must: 
  • Have an active auto insurance policy from The Hartford;
  • Have access to an automobile, pick-up, or van, insured under your Hartford Auto policy;
  • Be a licensed driver listed on your Hartford Auto policy “Participating Policy”;
  • Agree to receive text messages on your smartphone about your policy participation in the TrueLane Program https://www.thehartford.com/truelane2-texting-terms-conditions
  • Install and update the App on your smartphone with sufficient cellular coverage, permission services, and data plan able to collect and transfer the Collected Data;
  • Accept the Terms and Conditions after receiving the welcome text (SMS message);
  • Have a valid and active email address and smartphone number;
  • Take your first drive to begin collecting data;
  • Tag each trip after completion if you were other than the driver.

2. Program Discount

Please note that the TrueLane Program can only be applied to one policy and less than full participation by all eligible drivers may result in a lower UBI score and lower participation and renewal discounts.
 

A. Initial Term

If you fulfill all of the eligibility criteria, your Participating Policy may benefit from a participation discount for the first policy term (“Participation Discount”). Please be advised that the Participation Discount will be immediately removed if the eligibility criteria are not met, or if you withdraw from the Program. Your Participation Discount may be removed and your individual participation in the Program terminated if we do not collect your driving data for a number of consecutive days, if the total time the App was connected to a smartphone during a policy term is insufficient for The Hartford to make a determination of your driving behavior, or if the pattern of App disconnections suggests the reported driving behavior is not representative of actual behavior. Each eligible and participating driver must be separately enrolled in the Program and is required to complete a separate Terms and Conditions agreement. If there are no eligible drivers on a Participating Policy or if all drivers on the Participating Policy have been terminated or removed from the Program, the Participating Policy will be removed from the Program.
 

B. Renewal Terms

When your Participating Policy renews, the data collected by the App on all Program drivers during the prior policy term will be used to determine whether the Participating Policy is eligible for a renewal discount (“Renewal Discount”). The Renewal Discount does not apply to all vehicle coverages. The Renewal Discount does not guarantee a reduction in total policy premium as other rating factors may apply. There is a possibility that you will not receive a Renewal Discount or that the Renewal Discount will be lower than your Participation Discount. The Renewal Discount and the Participation Discount will never apply at the same time.
 
The Renewal Discount applicable to the Participating Policy will change over time based on the continuing driving behavior of all Program drivers based on the Collected Data.
 
Please note the following as it relates to the Renewal Discount:
 
  • The Renewal Discount on the Participating Policy is based on Collected Data.
  • In order to contribute driving data compiled to determine the Renewal Discount, the App must collect data from you for at least 91 days. If you do not meet this minimum requirement prior to the first renewal of your auto insurance policy, your driving data will not be included in the calculation for the Renewal Discount. However, the Participation Discount will continue to be provided if you keep the App on the driver’s smartphone until enough data has been collected to determine a Renewal Discount or your policy reaches the next renewal date.
  • The Renewal Discount may be removed and participation in the Program terminated if the total time the App was connected to a smartphone during a single policy term was insufficient for The Hartford to make a reasonable determination of your driving behavior.

3. Enrollment

You will receive a welcome text (SMS) message with instructions to download and log into the App. Once you log in, accept these Terms and Conditions, allow the App to access your location and mobile permissions and take your first drive, the App will be activated and begin recording Collected Data. At this point the enrollment process is complete and the data regarding your trips and events will be sent to CMT.
 
Once the App is installed and activated, it will detect certain movement and makes assumptions about your trips. If you were not driving, you must identify that and confirm your mode of transportation within 14 days. For each trip that identifies you as the driver, you will receive a score which will be considered to establish your Renewal Discount.
 
The App must remain activated on your smartphone each time you drive a vehicle
 

4. Safe Use of the Application

  • If you change smartphones, you must download the App to your new phone.
  • You agree to obey all traffic laws.
  • You agree to use the App only when it is safe to do so.
  • You agree that you will not use the App for any illegal, hazardous, or unauthorized purposes, or in a manner that is not consistent with these Terms and Conditions.

5. Ending Policy Enrollment in the Program (Termination)

If you are the named insured or a spouse of the named insured on your Participating Policy, you or The Hartford may end your enrollment in the Program at any time and for any reason. If you are a Program driver but not the named insured or a spouse of the named insured, you or The Hartford may end your own individual participation in the Program. If Program enrollment for your Participating Policy ends for any reason, the Participation or Renewal benefits will stop and your policy will not receive a discount or any program benefits, including TrueLane Rewards. Upon individual or Program termination from the Program, you agree to remove the App from your smartphone. The nonrenewal or cancellation of the Participating Policy will also result in Program and TrueLane Rewards termination.
 

6. Services (Websites) and App Information

The Program enables you to access The Hartford and CMT services and websites and App information (“Services”). Use of these Services requires internet access and acceptance of additional terms of use, separate from these Terms and Conditions.
 
Services may contain proprietary content, information, data and material protected by applicable intellectual property and other laws. Except for permitted use of the Services, you shall not use or transfer to any third party such proprietary content, information, data or materials. You shall not reproduce any portion of the Services in any form. You agree to keep passwords secure and confidential, prevent unauthorized access to your account, and notify The Hartford promptly of any such unauthorized access. You shall not use the Services in any manner to harass, abuse, stalk, threaten, defame or otherwise infringe or violate the rights of any other party. The Hartford is not in any way responsible for any such use by you, nor for any harassing, threatening, defamatory, offensive or illegal messages or transmissions you may receive because of using the Services.
 
The Hartford and its licensors reserve the right to change, suspend, remove, or disable access to any Services at any time without notice. In no event will The Hartford be liable for the removal of, or disabling of access to, any such Services. The Hartford may also impose limits on the use of, or access to, certain Services, without notice or liability.
 

7. Ownership and Other Users 

By participating in the Program, you represent that you are the owner of the participating smartphone and a listed and permissive operator of a vehicle insured by the Participating Policy. You consent and agree that: (i) the App will be downloaded onto your smartphone, and (ii) we will collect and use the data provided from the App, including any personally identifiable information, as set forth in Section 8, Privacy and Data Security.
 

8. Privacy and Data Security

All Collected Data obtained by the App is provided by you to both The Hartford and CMT. Information you provide to The Hartford is governed by this Agreement and The Hartford’s Privacy Policy, which may be accessed at https://www.thehartford.com/online-privacy-policy. Information you provide to CMT is governed by CMT’s privacy policy, which may be accessed at https://www.cmtelematics.com/privacy-policy/. The following terms supplement The Hartford’s Privacy Policy regarding the information and Collected Data obtained by the App and used in the Program.
 
A. Collection: The App will collect the following types of data via multiple sensors (“Collected Data”):
 
  • Device information;
  • GPS latitude, longitude, altitude, time of position, speed, GPS accuracy, heading;
  • Trip information;
  • Score and/or discount;
  • Speeding - location, duration, severity;
  • Braking - location, duration, severity;
  • Acceleration - location, duration, severity;
  • Gyroscope, barometer, and magnetometer data;
  • Distracted driving data - phone handling, calls while driving, use of hands Free or handset. NOTE: No information is collected regarding call content or communication destination number or caller ID
  • Driver assignment - driver/passenger, alternate mode of transportation; the App makes assumptions about your trips, which you have the opportunity to correct within 14 days.
  • Application data - user credential and date/time the Application is activated,
  • Phone - policyholder association, acceptance of T&C, acceptance of permissions.
Actual Information or data collected may change and vary by smartphone. The above list is not exhaustive of the information or data collected. 
 
B. Use of Collected Data: The Hartford will use the Collected Data to determine if the Participating Policy is eligible for a discount under the Program. The Collected Data will be used to derive additional data. The Collected Data will be used by The Hartford and CMT to perform the Services, which includes research and development. 
 
C. Ownership and Future Use of Collected Data: You agree The Hartford will own all Collected Data collected during this Program, including but not limited to Collected Data generated by or derived from the App. If The Hartford is found not to own the Collected Data you hereby grant to The Hartford an irrevocable, non-exclusive, perpetual, worldwide, royalty-free, assignable right and license to use, sublicense, reproduce, maintain, modify, display, create derivative works of, and otherwise fully exploit and commercialize the Collected Data in an aggregated and not personally identifiable form. You further agree to cooperate, if necessary, with The Hartford in perfecting The Hartford’s rights in the Collected Data. You acknowledge and agree that The Hartford may analyze the Collected Data, including GPS data and Distracted Driving data, to determine ways to develop or enhance The Hartford’s insurance programs, services and/or products, including the creation of non-insurance products and services. 
 
D. Use of Collected Data within Claims: You agree the Collected Data may be used in connection with any insurance claim, lawsuit, legal action, judicial proceeding, arbitration, mediation, other action or threat of action, or allegation related in any way to the insurance coverage provided by your Hartford auto policy that you may make or is brought against you, including to the extent we disclose the Collected Data as described in Required Disclosures below.
 
 E. Sharing and Disclosures: The Hartford will share the Collected Data with subsidiaries of The Hartford or affiliated companies and service providers who assist us in managing the Program and in processing and analyzing the Collected Data. We also may share the Collected Data in an aggregated and anonymous form with Departments of Insurance or other government agencies to support applications for new ways to rate or underwrite insurance. We may share Collected Data (including personally identifiable) in connection with a complaint investigation, litigation, market conduct, regulatory review or in response to an inquiry from a government authority. The Hartford may use, and authorize its service providers to use the Collected Data when it is in aggregated and anonymous form for any purpose. In addition, CMT has certain rights to share, sell and use not personally identifiable Collected Data.
 
F. Required Disclosures: We may also provide the Collected Data to a third party when, at our discretion, circumstances require disclosure. 
 

9. Program Changes

The Hartford reserves the right to modify or terminate this Agreement, the Terms and Conditions applicable to this Program, the Program and TrueLane Rewards at any time for any or no reason.
 

10. Notices

You must provide us with a valid email address, mobile smartphone number and agree to receive communications by electronic means. You may, at any time, request to withdraw your consent to receive such communications by electronic means. Your request to withdraw consent prior to completion of the evaluation period will result in the removal of your driver data from collection for the Participating Policy and will terminate your individual enrollment and discount in the Program. You may request to withdraw consent by texting STOP as a response to a text from The Hartford or by calling The Hartford at 1-800-300-6449. If you wish to contact us, you may contact our Call Center by clicking the "Help" link in the text we sent you, by emailing us at TrueLane Help@thehartford.com, or by visiting https://www.thehartford.com/contact-the-hartford. To change your email address and mobile smartphone number, you must promptly provide us with the new information. In the event of your failure to maintain a valid email address and mobile smartphone number and any resulting inability to deliver communications to you via SMS message, we will presume you have withdrawn consent to receive communications by electronic means and will remove your discount and terminate your enrollment in the Program.
 

11. No Warranty of Device or Services

You acknowledge and agree your participation in the Program and use of the App are at your sole risk and the entire risk as to satisfy quality, performance, accuracy and effort is with you. The App and any services performed or provided by or associated with the program are provided “as is” and “as available”, with all faults and without warranty of any kind. The Hartford hereby disclaims all warranties and conditions with respect to the Program, App and any services, either express, implied or statutory, including, but not limited to, the implied warranties and/or conditions of merchantability, of satisfactory quality, of fitness for a particular purpose, of accuracy, of quiet enjoyment, non-infringement of third party rights, that the App or services will be uninterrupted or error-free, or that defects in the App or services will be corrected.
 

12. Limitation of Liability

As a condition precedent to your participation in this Program and in consideration of the use of the App and premium benefits you may be eligible for, you agree we will not be liable for any loss or damage to you, your property (including your smartphone), or others caused by the use of the App or failure of the App to function. You agree that we will not be liable for any damages arising out of or in connection with this Agreement.
 

13. Miscellaneous

A. You agree that the United Nations Convention on Contracts for the International Sale of Goods shall not apply to this Agreement, nor to any dispute or transaction arising hereunder or in connection herewith.
 
B. The expiration or termination of this Agreement will not relieve any party that has breached this Agreement from liability for damages resulting from such breach and will not destroy or diminish the binding force and effect of any of the provisions of this Agreement that expressly, or by reasonable implication, come into or continue in effect on or after expiration or termination hereof. The expiration or termination of this Agreement will not discharge or relieve either party from any obligation which accrued prior to such expiration or termination.
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