Terms of Service Change History
Progressive
Removal of 'Submitted Ideas Policy' granting perpetual rights to user submissions
The NEW version completely removes the 'Submitted Ideas Policy' section that previously granted Progressive perpetual, irrevocable, worldwide, royalty-free rights to use, modify, publish, and exploit any ideas or materials users submitted. This is a significant reduction in Progressive's claimed rights over user-generated content.
Effective: April 12, 2019
Removal of 'Acceptable Use/Content Requirements' section with content submission restrictions
The NEW version removes the entire 'Acceptable Use/Content Requirements' section that previously governed photo/video submissions for claims, including age restrictions (15+), copyright holder requirements, and Progressive's right to use location data and metadata. This eliminates explicit user restrictions and Progressive's claimed data usage rights for submitted media.
Effective: April 12, 2019
Expanded account termination conditions and added liability disclaimer
The NEW version expands the reasons for blocking access to include 'other reasons' beyond unauthorized password use, and explicitly adds that 'Progressive will not be liable for any loss or damage arising from your failure to comply with these obligations.' This gives Progressive broader termination authority with reduced liability.
Effective: April 12, 2019
Removal of sections covering specific insurance products and underwriting companies
The NEW version removes entire sections including 'Termination of Application or Access to the Application,' 'Underwriting Companies,' 'Homeowners Insurance,' and 'Patent Notice' from the table of contents. This suggests a shift from a mobile application ToS to a website-specific ToS with reduced scope.
Effective: April 12, 2019
Updated privacy governance reference and new 'Maintaining accurate information' section
The NEW version adds a dedicated 'Privacy and security' section directing users to a separate Privacy and Security Policy, and introduces a new 'Maintaining accurate and current information' section with specific consequences for inaccurate data (account suspension/termination). This shifts privacy governance but also creates explicit obligations for users to maintain accurate registration information.
Effective: April 12, 2019