State Farm · State Farm Privacy Policy · View original document ↗

Intra-Family Data Sharing Opt-Out with Material Limitations

Medium severity High confidence Explicitdocumentlanguage Unique · 0 of 325 platforms
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Document Record

What it is

You can ask State Farm to limit sharing of certain information like your driving record and credit information within its family of companies, but this opt-out does not stop all internal sharing, particularly for everyday business operations and business transfers.

This analysis describes what State Farm's agreement states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability and practical outcomes may vary by jurisdiction, enforcement context, and individual circumstances. Read our methodology

ConductAtlas Analysis

Why it matters (compliance & governance perspective)

The opt-out right is meaningful but narrower than it may appear: transaction and experience data continues to flow internally regardless of your preference, and the opt-out does not protect your data in the event of a corporate restructuring or line-of-business transfer.

Consumer impact (what this means for users)

Opting out limits only certain categories of intra-family sharing such as driving records and credit information; State Farm retains the right to share your transaction history, payment records, and claim experience data across its family of companies for business purposes even if you opt out.

What you can do

⚠️ These actions may provide transparency or partial mitigation but may not fully address the underlying issue. Effectiveness varies by jurisdiction and individual circumstances.
  • Opt Out of Arbitration
    Call 1-800-865-6035 or contact your State Farm agent directly to request that State Farm limit sharing of your driving record, claim history with other companies, and credit information within the State Farm family of companies. Be aware that this opt-out does not restrict sharing of your transaction or experience data for everyday business purposes.

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▸ View Original Clause Language DOCUMENT RECORD
"
We share customer information within our State Farm family of companies so, for example, we do not have to ask you for the same information again. If you prefer to limit sharing information such as your driving record, claim history with other companies, and credit information, call your State Farm agent or 1-800-865-6035. Please note, your choice: may apply to joint policyholders or account holders on shared policies and accounts. does not limit State Farm from sharing certain customer information about your transactions or experiences with us for our everyday business purposes or for public policy purposes. does not limit State Farm from sharing customer information in the event of a transfer, between State Farm companies, of all or a portion of a line of business.

— Excerpt from State Farm's State Farm Privacy Policy

ConductAtlas Analysis

Institutional analysis (Compliance & governance intelligence)

REGULATORY LANDSCAPE: This provision reflects the GLBA's requirement to offer opt-out rights for sharing with nonaffiliated third parties and, in some state frameworks, for affiliated sharing of certain data categories. The Vermont-specific carve-out (requiring authorization before sharing across the family of companies) reflects Vermont's more restrictive state insurance privacy regulations, which operate alongside GLBA. The FTC and state insurance regulators share oversight depending on the entity type involved. GOVERNANCE EXPOSURE: Medium. The opt-out mechanism is explicitly limited in scope, which is standard under GLBA but may not align with consumer expectations created by the policy's emphasis on privacy values. The Vermont carve-out demonstrates that State Farm operates stricter restrictions in some jurisdictions, which may invite scrutiny in other states with evolving privacy frameworks. JURISDICTION FLAGS: Vermont's opt-in default for intra-family sharing creates the most distinct operational requirement and should be verified for compliance with Vermont insurance privacy regulations. California's CPRA may impose additional affiliated sharing restrictions beyond GLBA's baseline. Illinois and New York state-specific pages referenced in the navigation suggest additional jurisdiction-specific obligations. CONTRACT AND VENDOR IMPLICATIONS: Joint policyholders should be aware that one policyholder's opt-out preference may apply to shared accounts, which could affect account management practices and should be reflected in agent-facing guidance. COMPLIANCE CONSIDERATIONS: Compliance teams should maintain clear records of opt-out elections and their scope, particularly for shared accounts. The business transfer carve-out should be evaluated against state laws that may require separate notice or consent before customer data is transferred in connection with a sale or merger.

Full compliance analysis

Regulatory citations, enforcement risk, and due diligence action items.

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Applicable agencies

  • FTC
    The FTC enforces the Gramm-Leach-Bliley Act's privacy notice and opt-out requirements for non-bank financial institutions, including insurance companies subject to FTC jurisdiction.
    File a complaint →
  • State AG
    State attorneys general in Vermont and other states with stricter insurance privacy laws have enforcement authority over affiliated data sharing practices that exceed GLBA baseline requirements.
    File a complaint →

Applicable regulations

CCPA/CPRA
California, USA
Connecticut Data Privacy Act Amendments
US-CT
FCRA
United States Federal
FTC Act Section 5
United States Federal
GDPR
European Union
GLBA
United States Federal
Indiana Consumer Data Protection Act
US-IN
Kentucky Consumer Data Protection Act
US-KY
Universal Opt-Out Mechanism Expansion 2026
US

Provision details

Document information
Document
State Farm Privacy Policy
Entity
State Farm
Document last updated
May 5, 2026
Tracking information
First tracked
May 7, 2026
Last verified
May 9, 2026
Record ID
CA-P-007557
Document ID
CA-D-00597
Evidence Provenance
Source URL
Wayback Machine
Content hash (SHA-256)
f2ccf7b683bd01b58b07475a3f1bd9b1cef53966b7e4e17b8f3596adbeb0120b
Analysis generated
May 7, 2026 08:30 UTC
Methodology
Evidence
✓ Snapshot stored   ✓ Hash verified
Citation Record
Entity: State Farm
Document: State Farm Privacy Policy
Record ID: CA-P-007557
Captured: 2026-05-07 08:30:05 UTC
SHA-256: f2ccf7b683bd01b5…
URL: https://conductatlas.com/platform/state-farm/state-farm-privacy-policy/intra-family-data-sharing-opt-out-with-material-limitations/
Accessed: May 13, 2026
Permanent archival reference. Stable identifier suitable for legal filings, compliance documentation, and research citation.
Classification
Severity
Medium
Categories

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Frequently Asked Questions

What does State Farm's Intra-Family Data Sharing Opt-Out with Material Limitations clause do?

The opt-out right is meaningful but narrower than it may appear: transaction and experience data continues to flow internally regardless of your preference, and the opt-out does not protect your data in the event of a corporate restructuring or line-of-business transfer.

How does this clause affect you?

Opting out limits only certain categories of intra-family sharing such as driving records and credit information; State Farm retains the right to share your transaction history, payment records, and claim experience data across its family of companies for business purposes even if you opt out.

Is ConductAtlas affiliated with State Farm?

No. ConductAtlas is an independent monitoring service. We are not affiliated with, endorsed by, or sponsored by State Farm.