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ACE
INA WEB SITE PRIVACY STATEMENT
The ACE INA group of companies strongly believes in maintaining the privacy of
nonpublic personal information we collect from individuals who visit our web
sites. We want you to understand how and why we collect, use and disclose the
personal information about you on our web sites. If you are a customer of an
ACE INA company, you may have received an ACE INA Privacy Statement that
describes ACE INA’s practices and procedures regarding compliance with privacy
laws and/or regulations such as the federal Gramm-Leach-Bliley Act (GLBA).
Further, if you are applying for an insurance product through this web site,
you may be entitled to receive the ACE INA
Privacy Statement which is presented
below.
All information collected from our web site and our companies in general that
is subject to the applicable privacy laws and regulations
will be handled according to our ACE INA Privacy Statement. This Web Site
Privacy Statement supplements the ACE INA Privacy Statement by providing you
with information concerning ACE INA’s practices and procedures as
they relate specifically to information we collect at this web site.
PERSONAL
INFORMATION WE COLLECT AND USE AT THIS WEB SITE
We do not collect any personal information about you at our web sites unless
you choose to provide it to us voluntarily.
We define “personal information” as information that is unique to you and might
include your phone number, name, age, address or Social Security number. If you
encounter a screen or page that requests information you do not want to share
with us, do not enter the information and do not proceed with that screen or
page.
If you do provide us with personal information, we will only use it for the
purposes described where it is collected, and we will not sell,
license, transmit or disclose this information outside of ACE INA unless (1)
you expressly authorize us to do so, (2) it is necessary to allow
our contractors or agents to provide services for us, (3) in order to provide
our products or services to you, (4) it is disclosed to entities that perform
marketing services on our behalf or to other entities with whom we have joint
marketing agreements, or (5) otherwise as we are required or permitted by law.
EMAIL
We appreciate your questions and comments about our web site and services and
welcome your email messages to mailboxes listed on our web sites. We will share
your messages with those within our organization who are most capable of
addressing the issues contained in your message.
We will keep a copy of your message until we have had an opportunity to
address your concerns. We may
archive your message for a certain period of time or discard it, but your email
address will not be used for any other purpose.
CONFIDENTIALITY
AND SECURITY
We restrict access to personal information collected about you at our websites
to our employees, our affiliates' employees, or others who need to know that
information to provide services to you or in the course of conducting our
normal business operations. We maintain appropriate physical, electronic, and
procedural safeguards to protect personal information.
THE
RIGHT TO VERIFY THE ACCURACY
OF INFORMATION WE COLLECT
Keeping information accurate and up to date is important to us. An individual
may see and correct their personal information that we collect except for
information relating to a claim or a criminal or civil proceeding. Contact us
at the address provided below if you wish to verify your personal information.
LINKS
TO OTHER SITES
For your convenience we may provide links to other web sites and web pages that
we do not control. We cannot be responsible for the privacy practices of any
web sites or pages not under our control and we do not endorse any of these web
sites or pages, the services or products described or offered on such sites or
pages, or any of the content contained on those sites or pages.
USE
OF “COOKIES” OR OTHER DATA COLLECTION TOOLS
A cookie is a piece
of information which a web server may place on your computer when you visit a
web site. Cookies are commonly used by web sites to improve the user experience
and have not been known to transmit computer viruses or otherwise harm your
computer. Many cookies last only through a single web site session, or visit.
Others may have an expiration date, or may remain on your computer until you
delete them.
We may use cookies
for a number of purposes - for example, to maintain continuity during a user
session, to gather data about the usage of our web site for research and other
purposes, to store your preferences for certain kinds of information and
marketing offers, or to store a user name or encrypted identification number so
that you do not have to provide this information every time you return to our
web site.
Our
cookies will track only your activity relating to your online activity on this
web site, and will not track your other Internet activity. Our cookies do not
gather personally identifiable information.
You can decide if
and how your computer will accept a cookie by configuring your preferences or
options in your browser. However, if you choose to reject cookies, you may not
be able to use certain of our online Products and Services or Web Site
features.
We may occasionally
use other companies to set cookies on our web sites and gather cookie
information for us. In some cases we may also use another company to operate
web servers for our web site. We use the cookie information gathered by these
companies in the same manner as stated above.
In addition to the information we collect from cookies, we also obtain
information which you provide to us online - for example, when you use our
tools and calculators or when you submit an application or otherwise
communicate with us. In some cases, we retain both the cookie information
and/or the information you provide to us online - for example, to complete a
transaction you requested or to keep historical records of your past
transactions. In other cases - for example, when you use our tools and
calculators - we only retain the cookie and/or online information you give us
if you request us to do so for your use in subsequent sessions.
We
may use cookies for a number of purposes - for example, to maintain continuity
during a user session, to gather data about the usage of our web site for
research and other purposes, to store your preferences for certain kinds of
information and marketing offers, or to store a user name or encrypted
identification number so that you do not have to provide this information every
time you return to our web site.
Our
cookies will track only your activity relating to your online activity on this
web site, and will not track your other Internet activity. Our cookies do not
gather personally identifiable information.
You
can decide if and how your computer will accept a cookie by configuring your
preferences or options in your browser. However, if you choose to reject
cookies, you may not be able to use certain of our online Products and Services
or Web Site features.
We
may occasionally use other companies to set cookies on our web sites and gather
cookie information for us. In some cases we may also use another company to
operate web servers for our web site. We use the cookie information gathered by
these companies in the same manner as stated above.
In
addition to the information we collect from cookies, we also obtain information
which you provide to us online - for example, when you use our tools and
calculators or when you submit an application or otherwise communicate with us.
In some cases, we retain both the cookie information and/or the information you
provide to us online - for example, to complete a transaction you requested or
to keep historical records of your past transactions. In other cases - for
example, when you use our tools and calculators - we only retain the cookie
and/or online information you give us if you request us to do so for your use
in subsequent sessions.
CHANGES
TO OUR WEB SITE PRIVACY STATEMENT
We may change this Statement at any time and from time to time. The most recent
version of the Statement is reflected by the version date located at the bottom
of this Statement. This Statement is not intended to and does not create any
contractual or other legal right in or on behalf of any party.
CONTACTING
US
If you have any questions
about this Statement or would like to learn more about how we protect privacy,
please write to us at ACE INA Customer Services, P.O. Box 1000, 436 Walnut
Street, WA04F, Philadelphia, PA 19106. Please include the policy number on any
correspondence with us.
Last Updated:
April 11, 2006
ACE INA GENERAL PRIVACY STATEMENT
Below
is the ACE INA Privacy Statement in accordance with privacy laws and/or
regulations such as Title V of the federal Gramm-Leach-Bliley Act that is sent
to all customers who purchase, or in certain instances apply for, an insurance
product that is used primarily for personal, family or household purposes.
ACE
INA PRIVACY STATEMENT
The ACE INA group of companies strongly believes in maintaining the privacy of
information we collect about individuals.
We want you to understand how and why we use and disclose the collected
information. The following provides details of our practices and procedures for
protecting the security of nonpublic personal information that we have
collected about individuals. This privacy statement applies to policies
underwritten by the ACE INA group member companies listed below.
INFORMATION
WE COLLECT
The information we collect will vary depending on the type of product or
service individuals seek or purchase, and may include:
-
Information we receive from individuals, such as their name, address, age,
phone number, social security number, assets, income, or beneficiaries;
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Information about individuals’ transactions with us, with our affiliates, or
with others, such as policy coverage, premium, payment history, motor vehicle
records; and
-
Information we receive from a consumer reporting agency, such as a credit
history.
INFORMATION
WE DISCLOSE
We do not
disclose any personal information to anyone except as is necessary in order to
provide our products or services to a person, or otherwise as we are required
or permitted by law.
We may disclose any of the information that we collect to companies that
perform marketing services on our behalf or to other financial institutions
with whom we have joint marketing agreements.
THE
RIGHT TO VERIFY THE ACCURACY OF INFORMATION WE COLLECT
Keeping information accurate and up to date is important to us. Individuals may
see and correct their personal information that we collect except for
information relating to a claim or a criminal or civil proceeding.
CONFIDENTIALITY
AND SECURITY
We restrict access to personal information to our employees, our affiliates'
employees, or others who need to know that information to service the account
or in the course of conducting our normal business operations. We maintain
physical, electronic, and procedural safeguards to protect personal
information.
CONTACTING
US
If you
have any questions about this privacy statement or would like to learn more
about how we protect privacy, please write to us at ACE
INA Customer Services, P.O. Box 1000, 436 Walnut Street, WA04F, Philadelphia,
PA 19106. Please include the
policy number on any correspondence with us.
ACE
American Insurance Company
ACE
Fire Underwriters Insurance Company
ACE
Indemnity Insurance Company
ACE
Property and Casualty Insurance Company
Atlantic
Employers Insurance Company
Bankers
Standard Fire and Marine Company
Bankers
Standard Insurance Company
Century
Indemnity Company
Illinois
Union Insurance Company
Indemnity
Insurance Company of North America
Insurance
Company of North America
Pacific
Employers Insurance Company
Westchester
Fire Insurance Company
Westchester
Surplus Lines Insurance Company
ESIS, Inc.
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