Last Updated: June 8, 2020

Green Industry Co-Op (“Co-Op”) powered by Golden Oak Co-operative Corporation are committed to protecting the privacy of the individuals we encounter in conducting our business.  “Personal Information” is information that identifies and relates to you. Our aim is responsible handling of Personal Information, balancing the benefits of activities like research and data analytics with our other commitments, including transparency and non-discrimination.

This Privacy Policy describes how we handle Personal Information that we collect through Membership Applications, and any documents you submit in concert with applications for finance, insurance, equity participation, notices, applications for employment, applications for employment benefits, telephone calls, emails and other communications with us, as well as from claim investigators, underwriters, medical professionals, legal, HR and safety professionals, witnesses or other third parties involved in our business dealings.

In submitting your Personal Information to us, either directly or through a business partner, you signify your acceptance of this Privacy Policy.

Who To Contact About Your Personal Information

If you have any questions about our use of your Personal Information, the rectification of your Personal Information, or would like to request the erasure of your Personal Information, you can email or write to:

Green Industry Co-Op
1835 N. Fine Ave
Fresno, CA 93727
Attention: Kim Ayala, COO

Personal Information That We Collect

Depending on your relationship with us (for example, as a Co-Op Member, policyholder; insured person benefiting under another policyholder’s policy; employee; applicant for employment; or other person relating to our business),

Personal Information collected about you may include:

  • General identification and contact information
  • Your name; address; email and telephone details; gender; marital status; family status; date of birth; educational background; activity records, such as driving records; photos; employment history, skills and experience; professional licenses and affiliations; and relationship to a policyholder, insured or claimant;
  • Identification numbers issued by government bodies or agencies
  • Social Security number; passport number; tax identification number; military identification number; or driver or another license number.
  • Financial information and account details
  • Payment card number; bank account or other financial account number and account details; credit history and credit score; assets; income; and other financial information.
  • Medical condition and health status
  • Current or former physical or mental or medical condition; health status; injury or disability information.
  • Information from Other Sources
  • We and our service providers may supplement the Personal Information we collect with information from other sources, such as publicly available information, commercially available sources and information from our affiliates or business partners.

How We Use Personal Information

We use this Personal Information to:

  • Communicate with you and others as part of our business.
  • Respond to your requests.
  • Send you important information regarding changes to our policies, other terms and conditions, and other administrative information.
  • Make decisions about services we offer, and provide services, including insurance, HR and Legal, Safety and compliance, and more.
  • Carry out research and analysis, including analysis of our customer base.
  • Provide marketing information to you.
  • Manage our infrastructure and business operations, and comply with internal policies and procedures, including those relating to auditing; finance and accounting; human resources; benefits administration; billing and collections; IT systems; data and website hosting; data analytics; business continuity; and records, document and print management.
  • Resolve complaints, and handle requests for data access or correction.
  • Comply with applicable laws and regulatory obligations (including laws that may be outside your country of residence), such as those relating to data protection, anti-money laundering, sanctions and anti-terrorism; comply with legal process; and respond to requests from public and governmental authorities.
  • Establish and defend legal rights; protect our operations or those of any of our business partners, our rights, privacy, safety or property, and/or that of you or others; and pursue available remedies or limit our damages.

We use your Personal Information for these purposes where we are satisfied that:

  • Our use of your Personal Information is reasonable or necessary to perform a contract, or take steps to enter into a contract with you; or
  • Our use of your Personal Information is necessary to comply with a relevant legal or regulatory obligation that we are subject to; or
  • You have provided your consent to us using the data; or
  • Our use of your Personal Information is necessary to support “legitimate interests” that we have as a business, provided that it is conducted at all times in a way that is proportionate, and that respects your privacy rights.

International Transfer of Personal Information

By providing Personal Information and other information to Co-Op, including by sending a communication to, you understand and consent to the collection, use, processing disclosure and transfer of such information in the United States and other countries or territories, which may not offer the same level of data protection as the country where you reside, in accordance with the terms of this Privacy Policy.

Sharing of Personal Information

Co-Op may make Personal Information available to:

  • Our service providers
    External third-party service providers, such as accountants, auditors, lawyers and other outside professional advisors; IT systems, support and hosting service providers; printing, banks and financial institutions that service our accounts; third-party claim administrators; third-party human resource and benefits administrators; document and records management providers; claim investigators and adjusters; construction consultants; engineers; examiners; and similar third-party vendors and outsourced service providers that assist us in carrying out business activities.
  • Governmental authorities and third parties involved in court action
    Co-Op may also share Personal Information with governmental or other public authorities (including, but not limited to, workers’ compensation boards, courts, law enforcement, tax authorities and criminal investigations agencies); and third-party civil legal process participants and their accountants, auditors, lawyers and other advisors and representatives as we believe to be necessary or appropriate: (a) to comply with applicable law, including laws outside your country of residence; (b) to comply with legal process; (c) to respond to requests from public and government authorities including public and government authorities outside your country of residence; (d) to enforce our terms and conditions; (e) to protect our operations; (f) to protect our rights, privacy, safety or property, and/or that of our group companies, you or others; and (g) to allow us to pursue available remedies or limit our damages.
  • Should you prefer, we will not disclose confidential personal information about you to non-affiliated third parties. You may opt out of those disclosures; that is, you may direct us not to make those disclosures (other than disclosures required or permitted by law). Should you wish to opt out of disclosures to nonaffiliated third parties you may contact us by email at or by writing to:

Green Industry Co-Op
1835 N. Fine Ave
Fresno, CA 93727
Attention: Kim Ayala, COO
Re: Opt Out of Disclosures


Co-Op will take reasonably appropriate technical, physical, legal and organizational measures, which are consistent with applicable privacy and data security laws.  Unfortunately, no data transmission over the Internet or data storage system can be guaranteed to be 100% secure.  If you have reason to believe that your interaction with us is no longer secure (for example, if you feel that the security of any Personal Information you might have with us has been compromised), or if you have other data security questions or concerns related to Co-Op, please immediately notify us.  (See the “Who to Contact About Your Personal Information” section above.)

When Co-Op provides Personal Information to a service provider, the service provider will be selected carefully and required to use measures reasonably designed to protect the confidentiality and security of the Personal Information.

If we believe the security of your Personal Information in our possession or control may have been compromised, we may seek to notify you of that development. If a notification is appropriate, we would endeavor to do so as promptly as possible under the circumstances, and, to the extent we have your email address, we may notify you by email.

Personal Information of Other Individuals

If you provide Personal Information to Co-Op regarding other individuals, you agree: (a) to inform the individual about the content of this Privacy Policy, and any other applicable Co-Op Privacy Notice provided to you; and (b) to obtain any legally-required consent of Personal Information about the individual in accordance with this Privacy Policy and other Privacy Notice.

Social Security Numbers

It is Co-Op’s policy to protect customer and employee Social Security Numbers that we collect in the course of our business as confidential. This includes maintaining physical and electronic security procedures to guard against unauthorized access to Social Security Numbers. In addition, we do not disclose Social Security Numbers to third parties, except where required or permitted by law.

Questions and Concerns

Please contact us as set out in the “Who to Contact About Your Personal Information” section above with any such requests or if you have any questions or concerns about how we process

Personal Information

Other Information We Collect Through our Website

“Other Information” is any information that does not reveal your specific identity, such as:

  • Browser information;
  • Information collected through cookies and other technologies; and
  • Contact information provided by you.

How We Collect Other Information

We and our third-party service providers may collect Other Information in a variety of ways, including:

  • Through your browser on the Co-Op website:   Certain information is collected by most websites or automatically through your device, such as your IP address (i.e., your computer’s address on the internet), screen resolution, operating system type (Windows or Mac) and version, device manufacturer and model, language, internet browser type and version, time of the visit, and/or page(s) visited.
  • Using cookies; online tracking:  Cookies are pieces of information stored directly on the device you are using. Cookies allow us to recognize your device and to collect information such as internet browser type, time spent on Co-Op’s website, pages visited, language preferences, country website preference. We may use the information for security purposes, to facilitate navigation, to display information more effectively, or to personalize your experience while using Co-Op’s website. In addition, we may use the information to gather statistical information about the usage of Co-Op’s website in order to understand how it is used, continually improve its design and functionality, and assist us with resolving questions about it. Cookies further allow us to present to you the advertisements or offers that are most likely to appeal to you. We may also use cookies to track your responses to our advertisements.
  • You can refuse to accept the cookies we use by adjusting your browser settings. However, if you do not accept these cookies, you may experience some inconvenience in your use of the Co-Op Site and some online products.

Please note that we may use and disclose Other Information for any purpose, except where we are required to do otherwise under applicable law.  If we are required to treat Other Information as Personal Information under applicable law, or if we combine Other Information with Personal Information, then, in addition to the uses listed in the “ Other Information We Collect ” section above, we may use and disclose Other Information for all the purposes for which we use and disclose Personal Information.

Third Party Privacy Practices

This Privacy Policy does not address, and we are not responsible for, the privacy, information or other practices of any third parties, including any third party operating any site or service to which our website links, or any third party to whom your Personal Data is provided.  The inclusion of a link on our website does not imply endorsement of the linked site or service by us or by our group companies.

Please note that we are not responsible for the collection, usage and disclosure policies and practices (including the data security practices) of other organizations, such as Facebook, Apple, Amazon, Google, Microsoft, RIM, Instagram, Twitter, LinkedIn, or any other software application developer or provider, social media platform, operating system or wireless service provider, or device manufacturer, including any Personal Information you disclose to other organizations.

Changes to This Privacy Policy

We review this Privacy Policy regularly and reserve the right to make changes at any time to take account of changes in our business and legal requirements.