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Hiscox Privacy policy

Hiscox Privacy Policy

Last updated April 8, 2013

 

Hiscox Inc., d/b/a Hiscox Insurance Agency in CA, and Hiscox (collectively, “Hiscox”) is committed to protecting your privacy on-line. Hiscox is the marketing name used to refer to the group of US domiciled Hiscox companies, including Hiscox Inc. Our privacy policy explains how we collect information from or in relation to the Hiscox.com website (the "Site") and what we do with the information we collect. We may from time-to-time revise this privacy policy, and the date of last revision will be available at the top of this page, so please be sure to check back periodically. By using the Site, you are acknowledging and accepting this Privacy Policy. Your continued use of the Site after changes have been posted to the Privacy Policy will constitute your acceptance of such changes.

 

What data do we collect, how do we use it and with whom do we share it?

 

A. Business insurance through brokers. Hiscox does not intentionally collect personal information from policyholders who purchase, or prospective policyholders who seek or apply for, insurance from Hiscox through insurance brokers unless required by law and/or for reporting purposes.

 

B. Small business insurance available on-line. For small business insurance available by or through Hiscox on the Site at www.hiscox.com/small-business-insurance/ only, the following terms apply:

  • Information we collect. Hiscox may ask for and collect from you personally identifiable, financial and other information at certain points throughout the Site. Depending on the information and/or services you request, you may be asked to provide your name, address, telephone number, email address, credit or debit card or other financial account information, information about your business and other information. In addition to the information you knowingly provide, Hiscox collects the domain names and IP addresses of its visitors, along with usage statistics (e.g., types of web browsers and operating systems used) and browsing history. This data is used to more efficiently operate Hiscox's business, promote our products and services and administer the Site. Hiscox may combine this information with the personally identifiable and other information it collects.
  • How we use your information. Hiscox may use your information: (a) To verify credit and process payments; (b) To generate insurance quotes; (c) To provide you with personalized content; (d) To process and respond to inquiries; (e) To administer and enforce any policy you purchase from us; (f) For the purposes for which you provided the information; (g) To improve the content and navigability of the Site; (h) To alert you to features, special events, products and services, and to deliver customer service surveys and/or newsletters from which you may opt out; and (i) For promotional purposes (j) To enforce the Terms of Use.
  • Information sharing. Hiscox may disclose your personally identifiable and other personal information to another entity: (a) For purposes of outsourcing one or more of the functions described in the previous section; (b) To generate and provide workers’ compensation insurance quotes for you on behalf of a third party insurance company or in connection with any such policy placed by Hiscox with such insurer; (c) To confirm or update information provided by you; (d) To inform you of important information; and/or (e) As a part of a sale of assets as described below. We may share your information in response to a subpoena, legal or administrative order or official request, when we believe you have acted in violation of the Terms of Use, to administer and enforce any policy you purchase from or through us, or when we believe that doing so may protect your safety or the safety of others. We may also share your personally identifiable and other information with companies in the Hiscox family, and will require the recipient to comply with the provisions of this privacy policy. Hiscox may provide your email address to a third party engaged to request and provide feedback on Hiscox’s products and services. Hiscox may provide your name, address, phone number, and email address to Next Bee Corporation ("Next Bee") or other entities that provide administrative services for any referral program promoting Hiscox’s products and services and in which you are participating.
  • Information you provide. In accordance with our Terms of Use Hiscox may publish or post User Content, including videos, blog postings, tweets, or other submissions provided by you, or a representative on your behalf, in connection with its My StartUp Story contest and/or other contests, promotions and Site postings. You agree that by providing User Content, Hiscox may, within its sole discretion, post or publish User Content, on its Site, Facebook, Twitter, or on any other site; and in any manner consistent with a license, consent and release in favor of Hiscox and/or license granted under the User Content provision of our Terms of Use.

C. All visitors. Various parts of our Site invite you to contact us using the details provided. From time to time you may wish to contact us. For example you may send an email to us to request further information or with a comment on our Site. Moreover, Hiscox collects the domain names and IP addresses of its visitors, along with usage statistics (e.g., types of web browsers and operating systems used) and browsing history. This data is used to more efficiently operate Hiscox's business, promote our products and services and administer the Site. Hiscox may combine this information with the personally identifiable and other information it collects.

 

De-identified information

 

Information that is de-identified (stripped of any information that could be used to identify you or your business) may be used by Hiscox for any reason and shared freely with third parties.

 

Access to information

 

You may contact us about correcting the personal data which we hold about you at the following address:

 

Legal Department
Hiscox
520 Madison Ave.
32nd Floor
New York, NY 10022
US_Helpdesk_RFL@Hiscox.com

 

Your California privacy rights

 

If you are a California resident, you are entitled by law to request an Information Sharing Disclosure. If you request it, we will provide you with a notice of your right to prevent sharing of your personal information as well as a cost-free means of doing so. To receive such a notice, submit a request to the email address listed in the Contact details section below, specifying that you seek your "California Customer Choice Notice." Please allow thirty days for a response.

 

International transfers

 

User acknowledges and agrees that by providing Hiscox with any personally identifiable or proprietary information, User consents to the transmission of such information over international borders as necessary for processing and storage, in accordance with Hiscox's standard business practices.

 

Mergers and sales

 

In the event that Hiscox undergoes reorganization or some or all of its assets are sold to a third party, any personal information Hiscox received about you may be transferred to that reorganized entity or third party, provided that Hiscox will seek contractual assurances that recipient’s use of that information will be treated in accordance with this Privacy Policy.

 

Other websites

 

This Site contains links to other third party websites and you may have linked to this Site from another website. We are not responsible for the privacy policies or the content of such websites. You should check the terms and policies applicable to each such website.

 

Other Hiscox websites may also contain a privacy policy that is different from this privacy policy. This privacy policy relates to this Site only. When visiting other Hiscox websites (for example, Hiscox.com) please make sure that you read their privacy policies so that you understand what information will be collected through or in relation to that website and for what purposes.

 

Security

 

Hiscox places great importance on the security of all personally identifiable information associated with our customers. We have security measures in place designed to protect against the loss, misuse and alteration of customer data under our control. In the event that you become aware of any actual or potential misuse of any such information, please contact us as soon as possible so as to enable us to take appropriate action, using the contact details set out below.

 

Legal Department
Hiscox
520 Madison Ave.
32nd Floor
New York, NY 10022
US_Helpdesk_RFL@Hiscox.com

 

Use of cookies, web beacons and similar technologies

 

Cookies are pieces of information that a website transfers to your hard drive to store and sometimes track information about your use of the Site and the aspects of it which were of interest to you. Most web browsers automatically accept cookies so as to maximize your use of the websites you access, but if you prefer, you can probably change your browser to prevent that. However, you may not be able to take full advantage of a website if you do so. We use cookies, web beacons, and similar technologies to estimate our audience size and patterns, for promotional purposes, track preferences and to improve and update our services.

 

Contact details

 

Please e-mail any questions, concerns or comments you have about these policies to our Legal Department at US_Helpdesk_RFL@Hiscox.com or write to us at: Hiscox, 520 Madison Ave., New York, NY 10022.