- ǿմý Global Risk US, its brands and trading names (“ǿմý Commercial”), affiliates and subsidiaries “we”, “our”, “us”), are a part of the ǿմý Group, and provide insurance products and related services in the United States and North America. This Privacy Statement describes how and for what purposes we collect, use, and safeguard information that identifies, describes, or is reasonably capable of being associated with you (your “personal information”) when you utilize our websites or mobile applications (our “Sites”), or use any of our products or services (the “Services”).
- This Privacy Statement does not apply to any sites, applications, or services that are not directly offered by ǿմý Commercial, even if you access such sites, applications, or services via our Sites or Services.
- Personal Information We Collect
- ǿմý Commercial lawfully collects the following types of personal information for the purpose of running our business.
- Contact information and other identifiers such as name, address, email address, phone number, driver’s license number, social security number, or other government-issued ID numbers;
- Customer records, account information you provide to obtain insurance or register an account on our website or mobile app, such as email address, user IDs, and passwords used on your account;
- Policy or claims information about the type of policy or coverage you have or information provided in the course of filing a claim, which may include sensitive personal information such as medical or health information;
- Commercial information about your transactions with us, including payment information, information you communicate to us via the Site or through our customer service center, or any other information you provide to the company;
- Online identifiers such as the information collected when you access the Sites, including browser information, IP address, device type, and device ID;
- Employment-related information you submit to us that may include employment history, qualifications, licensing, and disciplinary records.
Due to the nature of our business, some personal information we collect is considered sensitive personal information under law, such as social security numbers, driver's license and passport numbers, account numbers and credentials, or health information. Personal information does not include publicly available information, such as information we reasonably believe you have made available to the general public or is otherwise not restricted to a specific audience, nor does it include deidentified or aggregated information.
- Sources of Personal Information We Collect
We collect personal information from the following sources:
- information you provide directly (most common);
- information obtained from third parties such as insurance brokers or other service providers, such as credit reporting bureaus, third party administrators, etc.;
- information from our corporate policyholders, which may include information about their employees;
- information collected automatically when you engage the Site by using tracking mechanisms such as cookies, pixels, or tags.
- Upon visiting our website, we and our third party advertising partners use online tracking mechanisms, or cookies, to automatically collect information about browsing activity and effectively market across our Site and third party sites.
- “Cookies” are a tracking mechanism that are small text files transferred from our website to your hard drive via your web browser. Some cookies are necessary for website functionality and cannot be turned off, we call these “strictly necessary cookies,” and they do not collect or store any personal information about you. We use other cookies to count visits and traffic sources so we can measure and improve the performance of our Site. These are called “performance cookies” and all information these cookies collect is aggregated and anonymous.
- We also use third party cookies called “targeting cookies” that are set through our Sites by our advertising partners to provide more relevant advertising and content within our Services and across the internet. These targeting cookies may be in the form of pixels, tags, or other tools that collect usage and browsing information within our Site such as IP address, location information, device ID, cookie and advertising IDs, and browsing information.
- A more detailed description on our usage of cookies can be found in our Cookie Settings tool, which helps you to manage your cookie preferences upon your initial visit to the Site and each visit following a reset of your browser that clears your cookie preferences. You may turn off performance and targeting cookies at any time in Cookie Settings, but turning off performance cookies may affect your user experience of our Site.
- How We Use and Disclose Personal Information
- We use personal information we collect for the following purposes:
- to provide you with products and services you request;
- to communicate with you about your coverage or claim;
- to market or advertise our products and services that may be of interest to you;
- to evaluate and improve our products and services;
- to inform analytics modeling to support our business;
- to prevent fraud and enhance security;
- to operate our business, meet legal or regulatory requirements, or other operational and business purposes.
- In conducting our business, ǿմý Commercial has disclosed the following categories of personal information in the preceding 12 months: Contact information and other identifiers; customer records, account information; policy or claims information; commercial information; technical and other electronic data such as IP address or device ID; and employment-related information.
- ǿմý Commercial does not disclose personal information about current or former customers to third parties, except as required by law or as permitted for business purposes. We may disclose personal information we collect to the following third parties for the following purposes:
- Agents and brokers to allow them to perform their normal insurance-related services for you;
- Consumer reporting agencies to determine eligibility for coverage or to process your requested transaction;
- Third parties that help us carry out our insurance operations, including reinsurance, fraud detection, and actuarial research;
- Third parties whose only use of the information will be in connection with the marketing of a product or service, and which have agreed not to further use or disclose that information except in connection with the marketing of a product or service;
- Medical professionals and other advisors or consultants for the purpose of, and only to the extent necessary for, verifying insurance coverage or benefits or conducting operations or services audit;
- Insurance regulatory authorities;
- Law enforcement, the judiciary, or other government regulatory authority as required by law;
- Affiliates in connection with an audit of our or your agent’s operations, or the marketing of an insurance product or service, provided the affiliate agrees not to disclose the information for any other purpose;
- Group policyholders for the purpose of reporting claims experience or conducting an audit of our or your agent’s operations.
- We require nonaffiliated third parties to whom we legally provide your personal information to take appropriate measures to protect such data and impose contractual obligations on service providers, contractors, and third parties to that end. We make every effort to use vendors whose approach to customer privacy reflects our own.
- Social Media
- The ǿմý Commercial website uses the following social media plug-ins:
- X button, powered by X Corp., 1355 Market Street, San Francisco, CA 94107, USA
- Share Button on LinkedIn, operated by LinkedIn Corporation, 2029 Stierlin Court, Mountain View, CA 94043, United States
- For more information on the purpose and scope of data collection, processing, and use by these providers, please refer to the privacy statement of the providers.
- Retention of Data
- We will retain your personal information obtained through insurance transactions while you have an account with us or while we are providing insurance services to you. Thereafter we may retain such information for up to 10 years from the date the insurance policy or product expires, a claim has been settled, or the business relationship ends, unless a longer retention period is required or permitted by law.
- Data Security
- We use a variety of computer hardware and software tools to maintain physical, electronic, and procedural safeguards that comply with applicable federal and state regulations to guard your personal information. We restrict access to personal information only to those employees who need that information to provide products or services to you.
- We also ensure that our websites are secure by employing firewalls, encryption technology, user authentication systems, and access control mechanisms to control access to the personal information that may be shared over these sites.
- No Discrimination
- We will not discriminate or retaliate against you if you choose to exercise any one or all of your rights. We will not (i) deny goods or services; (ii) charge different prices or rates for goods or services; (iii) provide a different level or quality of goods or services; or (iv) suggest that you will receive a different price or rate or a different level or quality of goods or services.
- No Data of Children
- This Site is intended for general audiences and is not directed at children. We do not knowingly collect personal information (as defined by the U.S. Children’s Privacy Protection Act, or “COPPA”) from children. We will remove the personal information we inadvertently collect in accordance with COPPA.
- Notification of Change
- At ǿմý Commercial, your trust is one of our most important assets. We will continually work to protect the privacy of our individual customers and will continually review our privacy practices. If at some point in the future we revise our privacy practices that affect your personal or sensitive personal information, we will notify you prior to introducing any changes.
- Terms Specific to California
- California privacy laws define a “sale” of personal information as disclosing or making available personal information to a third-party in exchange for monetary or other valuable consideration, and “sharing” personal information as disclosing or making available personal information to a third-party for purposes of cross-contextual behavioral advertising.
- While we do not sell your personal information to third parties, we do share personal information collected when you visit our Sites, such as such as browser information, IP address, and device ID, with third parties for advertising purposes. We do not sell or share “sensitive personal information,” nor do we knowingly sell or share any personal information about individuals under sixteen (16) years old.
- Your Rights Regarding Your Personal or Sensitive Personal Information
- Depending on your state of residence, you may have a number of rights with respect to your personal information, which you may exercise with us free of charge. They include:
- Right to delete your personal or sensitive personal information. Subject to certain exceptions (e.g., in order to complete a transaction or to comply with a legal or regulatory requirement), you have the right to request that we delete personal information that we have collected about you from our records. If we are unable or not required to delete it, we will let you know why.
- Right to request correction of inaccurate personal information. You have the right to request that we correct or amend any inaccurate personal information you believe we maintain about you. We will investigate and use commercially reasonable efforts to correct inaccurate information.
- Right to know and access personal information collected about you. You have the right to request from us (no more than twice per year and in accordance with applicable legal exceptions) information about the personal information we have collected about you, including sensitive personal information. Once we verify your request, we will deliver a copy of your personal or sensitive personal information to you by mail or electronically in a readily useable format (if possible) free of charge.
- Right to opt-out of “sales” or “sharing” of your personal information. While we do not “sell” personal information, our use of certain advertising cookies is considered “sharing” under California law. California residents can exercise their right to opt-out of the “sharing” of their personal information by accessing the Privacy Request FormǷ.
- Right to limit our use and disclosure of your sensitive personal information. You have the right to limit the use and disclosure of your sensitive personal information only to uses that are necessary for us to conduct our business. We already do not use sensitive personal information for any other purpose.
- Right against retaliation or discrimination for exercising rights. You have the right to not be retaliated against by us because you exercised any of your rights under law. We will not discriminate against you for exercising any of the rights described in this section.