PRIVACY POLICY

Examples of the types of information we collect include:

• General information such as your name, address, contact details, date of birth, and gender;
• Identification information, such as social security number, passport number, or driver’s license or state identification card number, trade union membership, and political affiliation.
• • Information about your job including job title, your status as a director or partner, employment history, education history and professional accreditations, as well as salary and wage information;
• Information which is relevant to your insurance policy, including details of previous insurance policies and claims history, and family, lifestyle, or social circumstances;
• Information relevant to any claim or complaint you may make. For example, if you make a claim following a theft, we may use personal information which relates to the location of that theft;
• Financial information, such as your bank and payment details;
• Information (including photographs) obtained as a result of carrying out checks of publicly available sources, such as newspapers and social media sites;
• Information such as IP address and browsing history obtained through our use of cookies;
• Information relating to criminal convictions (including offenses and alleged offenses and any court sentence or unspent criminal conviction);
• If relevant, details of your current or former physical or mental health condition. This may take the form of medical reports or underlying medical data such as x-rays or blood tests; and
• Your marketing preferences and details of your customer experience with us.

We will collect information directly from you and the following third parties, which may contain information related to you:

• The named policyholder (where you are a beneficiary);
• Third parties involved in the relevant insurance policy or claim (such as our business partners and representatives, brokers or other insurers, claimants, and defendants or witnesses to a claim);
• Third parties who provide a service in relation to the relevant insurance policy or claim (such as loss adjusters, claims handlers, attorneys, and medical experts);
• Publicly available sources, such as internet search engines, news articles and social media sites;
• Other companies within the Hiscox Group;
• Credit reference agencies;
• Financial crime detection agencies and databases;
• Third parties who provide sanctions-checking services;
• Third parties who provide us with details of individuals who have expressed an interest in hearing about insurance products;
• In limited circumstances, private investigators;
• Coverholders;
• Employees;
• Delegated authorities;
• Third-party data suppliers, including data brokers, data analytics providers, social networks, and marketing vendors;
• Third-party administrators and suppliers we use to help us carry out our everyday business activities, including IT suppliers, actuaries, auditors, lawyers, document management providers, outsourced business process management providers, our subcontractors and tax advisers, and applicable governmental entities;
• Internet service providers;
• Our own websites and platforms;
• Selected third parties in connection with any sale, transfer, or disposal of our business; and
• Automated technologies or interactions. As you interact with our website, we may automatically collect data about your equipment, browsing actions and patterns. We collect this personal data by using cookies and other similar technologies. We may also receive technical about you if you visit other websites employing our cookies. Please see our Cookie Policy for further details.

We may use your information for different business purposes, such as when:

• We need to use your personal information to enter into or perform a contract that we hold with you. For example, we need to use your personal information to provide you with a quote or to provide you with insurance policy and other associated products. We will rely on this for activities such as assessing your application, managing your insurance policy, handling claims, and providing other products to you;
• We have a legal or regulatory obligation to use such personal information. For example, our regulators require us to hold certain records of our dealings with you;
• We have a business need to use your personal information. We will rely on this for activities, such as maintaining our business records, security, training and quality assurance, financial management, internal planning, risk and compliance, managing brokers, partners, and agents, responding to customer inquiries and developing and improving our products and services;
• We market to or communicate with you. For example, we use your contact information to send you communications about products and services that may be of interest to you. See What marketing activities do we carry out & your choices about the information we collect?
• We need to use your personal information to establish, exercise, or defend legal rights. This might happen when we are faced with legal proceedings, want to bring legal proceedings ourselves, or when we are investigating a legal claim that a third party brings against you;
• We need to use personal information to prevent or detect crime and fraud. This might happen when we are investigating allegations of insurance fraud; and
• Selected third parties in connection with any sale, transfer, disposal, or restructure of our business.

We may share your personal information with the other companies in the Hiscox Group or with third parties. We will keep your personal information confidential and only share it with the third parties listed below for the purposes set out above.

If you would like further information regarding the disclosures of your personal information, please contact us using the details set out in Section 6 below.

If you would like further information regarding the disclosures of your personal information, please contact us using the details set out in the Contacting Us section below.

Where relevant, we will share your personal with:

• Other companies in the Hiscox Group, including where:
  • one of our Group companies is placing your insurance policy with another Group company;
  • one of our Group companies is unable to provide you with an insurance policy but another might be able to assist you;
  • we are arranging our own insurance;
  • necessary for our business administration purposes;
  • we are using information for the prevention or detection of fraud or other crime; or
  • we need to report information within our Group of companies.
• Our insurance and reinsurance partners, such as brokers, and other (re)insurers or other companies who act as (re)insurance distributors;
• Other third parties who assist in the administration of your insurance policy or claim, such as agents, loss adjusters, claims handlers, accountants, auditors, banks, lawyers, and other experts including medical experts;
• Our regulators;
• Other insurers;
• Fraud detection agencies and other third parties who operate and maintain fraud detection registers or undertake investigations in cases of suspected insurance fraud;
• The police and other third parties (such as banks or other insurance companies);
• Other insurers who provide our own insurance;
• Credit referencing agencies and third parties who carry out sanctions checks on our behalf;
• Our third-party services providers, such as IT suppliers, actuaries, auditors, lawyers, document management providers, outsourced business process management providers, and tax advisers;
• Third parties who handle our direct marketing on our behalf (this includes, for example, sending marketing communications and analysis of responses to our marketing communications);
• Social media sites (such as Facebook) to carry out marketing;
• Selected third parties in connection with any sale, transfer, or disposal of our business.

We may use your personal information to provide you with information about products or services that may be of interest to you when you are a prospective or an existing customer or when you have provided your consent for us to do so. We may do this by mail or email.

We are committed to only sending you marketing communications that you have clearly expressed an interest in receiving. If you wish to opt out of receiving marketing materials, you may do so by clicking on the “unsubscribe” link that appears in all emails or telling us when we call you. Otherwise you can always contact us using the details set out in the Contacting Us section below to update your contact preferences.

Please note that, even if you opt out of receiving marketing messages, we may still send you service-related communications where necessary

We may request information from you through announcements, surveys, contests, ratings, reviews, or other content that you generate for us. Participation is completely voluntary, so you have the choice of whether to disclose your information to participate in these offerings. Requested information may include contact information, business address, email address, demographic information, and details of your experience with us. This information may be requested in writing or captured through a video recording, and with your permission, we may share it on our Website, Advertisements, or Social Media pages.

While we do not disclose personal information to third parties in exchange for monetary compensation, we may disclose personal information such as identifiers, contact information, and internet and network activity information, to third-party advertising networks and analytics providers for purposes of marketing and advertising and to improve and measure our ad campaigns and to target advertising of our products.

We may also receive and disclose aggregated or depersonalized information with our marketing and business partners as well as service providers relating to user demographics and website interactions. This information is not linked to any personal information that can identify any individual person. We also partner with third parties to provide services to support our business. Such disclosures may be considered “sales” or “sharing” of personal information under applicable law. We do not sell or share Sensitive Personal Information, nor do we sell or share Personal Information about individuals we know are under the age of sixteen (16).

We may use profiling to determine which products and benefits may interest you most. We may also use your personal information and profile to help us to improve our marketing materials, targeting, and customer journeys.

We analyze our customers to determine common characteristics and preferences. We do this by considering various types of information which may include: your location, demographic information, such as your age or job title, alongside additional policy information. These characteristics and preferences help us to understand our customers, as well as sending you appropriate communications.

You can set your cookie preferences by interfacing with our Website banner or by visiting our privacy preference center in the Your Privacy Choices link on our Website. Please note that disabling cookies may interfere with the proper functioning of our Website.

You may also take the following additional steps to manage your preferences through other tools:

You can manage certain Tracking Technologies through your browser, including by clearing your browser cache history or enabling certain settings, if available.

Do Not Track (“DNT”) is a browser setting that requests that a web application disable its tracking of a user. When a user turns on the DNT setting in their browser, the browser sends a special signal to websites, analytics companies, ad networks, plugin providers, and other web services to stop tracking your activity. Our Website is currently configured to make reasonable efforts to honor DNT signals, to the extent that your browser supports the functionality.

Some browsers and extensions support opt-out preference signals such as the Global Privacy Control (“GPC”), which can send a signal to the websites you visit indicating your choice to opt-out of certain types of data processing, including the sale or sharing. You can enable Global Privacy Control on your device or browser to opt out of the sale or sharing of your Personal Information that is tracked through cookies / pixels. You may need to download a plugin to use GPC, and follow your browser’s instructions to use GPC. Our Website is currently configured to make reasonable efforts to honor GPC signals. GPC signals are unique to each device and each browser, so you must enable GPC on each device and browser that you use.

To limit the use of mobile device advertising identifiers, you can adjust your advertising preferences through your mobile device’s settings:

• iOS Devices: Go to Settings > Privacy & Security > Apple Advertising > Personalized Ads
• Android Devices: Go to Google Settings > Privacy > Advanced > Ads > Opt Out of Ads Personalization

To opt out of online behavioral advertising based on information that we or third party advertising companies may collect from you or from your visit on our Website, please visit https://optout.networkadvertising.org or https://optout.aboutads.info. In addition, the Network Advertising Initiative (NAI) maintains a site with tools and instructions for how to opt out of Targeted advertising by NAI member companies. To opt out of Targeted advertising by GetConversionData and other NAI member companies, please visit: https://optout.networkadvertising.org to find out how to limit or block cookies on an array of different browsers. There are details on how to delete cookies as well as general information about them. For information on how to do this on your mobile phone you will need to refer to the manufacturer’s guide. Please be aware that you may have to manually adjust some preferences every time you visit a site and some services and functionalities may not work if you choose to limit or block cookies.

Certain vendors provide tools to enable you to manage your choices. They include:

• Google. For more information on how Google Analytics uses data collected through the Site, visit: https://policies.google.com/technologies/partner-sites. To opt out of Google Analytics Tracking Technologies, visit: https://myadcenter.google.com/personalizationoff and https://tools.google.com/dlpage/gaoptout. To opt out of Google remarketing ads, visit: https://support.google.com/My-Ad-Center-Help/answer/12155656.
• Pinterest. To opt out of Pinterest’s targeted advertising, visit your Pinterest personalization settings: https://policy.pinterest.com/en/privacy-policy.

Note that if you opt out, you may continue to see or receive online advertising from us. However, these ads may not be relevant to you.

Hiscox collects information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or device (“Personal Information”). In particular, Hiscox has collected (or not collected, if indicated below) the following categories of personal information from its consumers in the past twelve (12) months:

In addition, Hiscox has collected (or not collected, if indicated below) the following categories of sensitive personal information from its consumers in the past twelve (12) months:

Hiscox obtains Personal Information from the categories of sources set forth in the How will we collect your personal information? subsection above.

Hiscox collects the personal information (including sensitive personal information) identified above for the business or commercial purposes set forth in the What will we use your personal information for? subsection above. Hiscox will not collect additional categories of Personal Information or use the Personal Information we collected for materially different, unrelated, or incompatible purposes without providing you with additional notice.

Hiscox may disclose your Personal Information to a third party for a business purpose. When we disclose personal information for a business purpose, we require that the recipient both keep that Personal Information confidential and not use it for any purpose except performing the contract.

For purposes of the CCPA, a “Sale” is the disclosure of Personal Information to a Third Party for monetary or other valuable consideration, and a “Share” is the disclosure of Personal Information to a Third Party for cross-context behavioral advertising, whether or not for monetary or other valuable consideration.

In the preceding twelve (12) months, Hiscox has disclosed the following categories of Personal Information to third parties for a business purpose:

In the preceding twelve (12) months, Hiscox has not disclosed the following categories of personal information to third parties for a business purpose:

• Category C: Protected classification characteristics under California or federal law
• Category E: Biometric information
• Category H: Sensory data
• Category J: Non-public education information

We disclose the categories of personal information to the categories of third parties identified above for the following business or commercial purposes:

• Our business operational purposes, including to underwrite insurance, process payments, process claims, administer benefits (including utilization review activities), and maintaining accounts;
• Assert and defend legal claims;
• Conduct research, analytics, and data analysis;
• Provide advertising or marketing services;
• Detect and prevent fraud, and secure our systems and facilities;
• Authenticate your identity and verify your access permissions;
• Perform accounting, audit, and other internal functions, such as internal investigations; and to comply with law, legal process, and internal policies.

We do not have actual knowledge that we sell or share personal information of California Consumers under 16 years of age.

We sell or share the categories of personal information identified above for the following business or commercial purposes:

• Conduct research, analytics, and data analysis;
• Provide advertising or marketing services, including to provide you with targeted ads;
• Monitor and improve our online environment functionality and personalize your website experience.

The CCPA provides California residents with specific rights regarding their Personal Information. This subsection describes your CCPA rights and explains how to exercise those rights.

Right to Receive Information on Privacy Practices

You have the right to receive the following information at or before the point of collection:

• The categories of personal information to be collected;
• The purposes for which the categories of personal information are collected or used;
• Whether or not that personal information is sold or shared;
• If the business collects sensitive personal information, the categories of sensitive personal information to be collected, the purposes for which it is collected or used, and whether that information is sold or shared; and
• The length of time the business intends to retain each category of personal information, or if that is not possible, the criteria used to determine that period.

Access to Specific Information and Data Portability Rights

You have the right to request that Hiscox disclose certain information to you about our collection and use of your Personal Information over the past 12 months, including the following:

• The categories of Personal Information we collected about you;
• The categories of sources for the Personal Information we collected about you;
• Our business or commercial purpose for collecting, selling, or sharing that Personal Information;
• The categories of third parties with whom we disclosed that Personal Information; and
• The specific pieces of Personal Information we collected about you (also called a “data portability” request).

You may also request that we disclose to you:

• The categories of Personal Information that we have sold or shared about you and the categories of third parties to whom the personal information was sold or shared; and
• The categories of personal information we have disclosed about you for a business purpose and the categories of persons to whom it was disclosed for a business purpose.

Deletion Request Rights

You have the right to request that Hiscox delete any of your Personal Information that we collected from you and retained, subject to certain exceptions. Once we receive and confirm your verifiable consumer request, we will delete (and direct our service providers to delete) your Personal Information from our records, unless an exception applies.

We may deny your deletion request if retaining the information is necessary for us or our service provider(s) to:

• Complete the transaction for which we collected the Personal Information, provide a good or service that you requested, take actions reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform our contract with you.
• Help to ensure security and integrity to the extent the use of the consumer’s personal information is reasonably necessary and proportionate for those purposes.
• Exercise free speech, ensure the right of another consumer to exercise their free speech rights, or exercise another right provided for by law.
• Comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546 et. seq.)/li>
• Enable solely internal uses that are reasonably aligned with consumer expectations based on your relationship with us.
• Comply with a legal obligation.

Right to Correction

You may request that we correct any inaccurate Personal Information we maintain about you.

Right to Opt-Out of the Sale and Sharing of Your Personal Information

You have the right to opt-out of the Sale and Sharing of your Personal Information. We have Sold or Shared the categories of Personal Information identified under the Sale or Sharing of Personal Information section above. To submit an opt-out request, please access the below link. We will process your request(s) in accordance with applicable law.

Your Privacy Choices

You may also take advantage of the other options we have detailed in the What marketing activities do we carry out & your choices about the information we collect? section of the Privacy Policy.

Right to Limit the Use of Your Sensitive Personal Information

You have the right to limit the use of your Sensitive Personal Information to the purposes authorized by the CCPA. We do not use Sensitive Personal Information for purposes beyond those authorized by the CCPA.

Right to Non-Discrimination

You have the right not to be discriminated against for exercising your CCPA consumer rights. We will not discriminate against you for exercising your consumer rights.

Exercising Your CCPA Rights

To exercise your CCPA rights described above, please submit a verifiable request to us by either:

• Calling us at: 1-866-283-7545
• Visiting Your Privacy Choices

Only you, or a person registered with the California Secretary of State that you authorize to act on your behalf, may make a verifiable consumer request related to your personal information. You may also make a verifiable consumer request on behalf of your minor child.

You may only make a verifiable consumer request for access or data portability twice within a 12-month period. The verifiable consumer request must:

• Provide sufficient information that allows us to reasonably verify you are the person about whom we collected personal information or an authorized representative
• Describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it

We cannot respond to your request or provide you with Personal Information if we cannot verify your identity or authority to make the request and confirm the Personal Information relates to you.

We will only use Personal Information provided in a verifiable consumer request to verify the requestor’s identity or authority to make the request.

Response Timing and Format

We endeavor to respond to a verifiable consumer request within forty-five (45) days of its receipt. If we require more time (up to 90 days), we will inform you of the reason and extension period in writing. We will deliver our written response electronically, unless you indicate preference to receive a response by mail.

Any disclosures we provide will only cover the 12-month period preceding the verifiable consumer request’s receipt. The response we provide will also explain the reasons we cannot comply with a request, if applicable. For data portability requests, we will select a format to provide your personal information that is readily useable and should allow you to transmit the information from one entity to another entity without hindrance.

We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.

Appeal

Should you wish to challenge a determination surrounding the outcome of your consumer rights request, you may do so by emailing [email protected]