Effective Date: September 4, 2012
Table of Contents
1. What Information Does The Site Collect?
(a) Information You Provide To Us
You may give us Personal Information and Demographic Information, such as when you purchase insurance or contact us. More
(b) Information We Collect As You Access And Use The Site
Tracking Technologies collect Usage Information based on your Device Identifier. More
(c) Information Third Parties Provide About You
We may obtain information about you from third parties. More
(d) Information You Provide About a Third Party
You may give us information about others, such as when you send a friend a message. More
2. How Do We Use The Information Collected?
(a) Use of Information By Us
We use your Personal Information, Demographic Information and Usage Information for a variety of purposes. More
(b) Use of Information For Recruitment Purposes
If you apply for a job with us, we use the application information when considering you for a position. More
3. How and When Do We Disclose Information To Third Parties?
We provide your information under various circumstances. More. These include:
(a) When You Agree To Receive Information From Third Parties
(b) Third Parties Providing Services on Our Behalf
(c) Administrative and Legal Reasons
(d) Business Transfer
(e) EEOC/Affirmation Action Reporting
4. Does Third Party Content And Links To Third Party Sites Appear on The Site?
We are not responsible for your interaction with third party content or locations. More
5. How Do I Change My Information And Communications Preferences?
You may change certain account information and preferences. More
6. What About Transfer of Information To The United States?
Data may be transferred to the United States. More
7. What Should Parents Know About Children?
We do not intend to collect Personal Information from children. If you think we have, let us know. More
8. What About Security?
No data security is absolute, but we take reasonable steps to secure data appropriately. More
10. What are the New York confidentiality protocols for victims of domestic violence and endangered individuals?
The state of New York requires additional information be provided regarding these individuals. More.
1.What Information Does The Site Collect?
(a)Information You Provide To Us
(b)Information We Collect As You Access And Use The Site
We may use various now and later developed technologies to collect Device Identifiers, Usage Information and Demographic Information about you (“Tracking Technologies”). A few of the methods that may be used to collect such data include, without limitation, the following (and subsequent technology and methods hereafter developed):
Cookies. A cookie is a data file placed on a Device when it is used to visit the Site. A Flash cookie (or locally shared object) is a data file placed on a Device via the Adobe Flash plug-in that may be built-in to or downloaded by you to your Device. HTML5 cookies can be programmed through HTML5 local storage. Unlike Flash cookies, HTML5 cookies do not require a plug-in. Cookies, Flash Cookies and HTML5 cookies may be used for many purposes, including, without limitation, remembering you and your preferences, retaining the last quote for an insurance policy provided to you, and tracking your visits to and activities on the Site. Information that is stored in that cookie may include, without limitation, your travel dates, your state of domicile and your travel information such as your trip cost. If you choose to disable cookies, Flash cookies, or HTML5 cookies on your Device, some features of the Site may not function properly. Regular cookies may generally be disabled or removed by tools that are available as part of most commercial browsers. In some, but not all instances, they can be blocked in the future by selecting certain settings. Each browser you use will need to be set separately and different browsers offer different functionality and options in this regard. These tools may not be effective with regard to Flash cookies or HTML5 cookies. For information on disabling Flash cookies go to Adobe’s website www.adobe.com. Please be aware that if you disable or remove cookies some parts of our Site may not work and that when you revisit our Site your ability to limit cookies is subject to your browser's settings and limitations.
Web Beacons. Small graphic images or other web programming code called web beacons (also known as “1x1 GIFs” or “clear GIFs”) may be included in our Site’s pages and messages. Web beacons may be invisible to you, but any electronic image or other web programming code inserted into a page or e-mail can act as a web beacon. Web beacons or similar technologies may be used for a number of purposes, including, without limitation, to count visitors to the Site, to monitor how users navigate the Site, to count how many e-mails that were sent were actually opened or to count how many particular articles or links were actually viewed.
Embedded Scripts. An embedded script is programming code that is designed to collect information about your interactions with the Site, such as the links you click on. The code is temporarily downloaded onto your Device from our web server or a third party service provider, is active only while you are connected to the Site, and is deactivated or deleted thereafter.
ETag, or entity tag. A feature of the cache in browsers. It is an opaque identifier assigned by a web server to a specific version of a resource found at a URL. If the resource content at that URL ever changes, a new and different ETag is assigned. Used in this manner ETags are a form of Device Identifier. ETag tracking may generate unique tracking values even where the consumer blocks HTTP, Flash, and HTML5 cookies.
(c)Information Third Parties Provide About You
(d)Information You Provide About a Third Party
You may be asked to provide us with information about a third party. As an example, as part of an insurance application, you may provide information about a spouse or dependent in order to cover those individuals under the insurance policy. If you provide the requested information to us, the information you provide may be used for business purposes to facilitate a communication between us and that third party. However, we will not use that third party’s information for any marketing purpose unless we obtain consent from that person or we explicitly say otherwise.
2.How Do We Use The Information Collected?
Please note that information submitted to the Site via a “contact us” or other similar function may not receive a response; we will not use that information so provided to contact you for marketing purposes unrelated to your inquiry unless you agree otherwise.
(b)Use of Information for Recruitment Purposes. If you submit any Personal Information in connection with a career opening or by submitting a resume through this Site, we will use that information only for the purpose of evaluating your qualifications, and we will not share such information with third parties. Where you have provided us with Personal Information or Demographic Information as part of an online application for employment or internship, we may use that information in order to allow us to make an informed decision about whether to proceed with your application. We may as part of this recruitment process collect information about your education, employment history and similar matters. Where this Personal Information or Demographic Information is considered to be sensitive, you expressly consent to our processing of this information for recruitment purposes by submitting it to us.
3.How and When Do We Disclose Information to Third Parties?
(a)When You Agree To Receive Information From Third Parties. You may be presented with an option on our Site to receive certain information and/or marketing offers directly from third parties. If you choose to do so, your Personal Information will be disclosed to such third parties and all information you disclose will be subject to the third party privacy policies and practices of such third parties. We are not responsible for such third party privacy policies and practices of such third parties and, therefore, you should review such third party privacy policies and practices of such third parties prior to agreeing to receive such information from them. If you later decide that you no longer want to receive communications from one of these third parties, you will need to contact that third party directly.
(c)Administrative and Legal Reasons. We may access, use, preserve, transfer and disclose your information (including Device Identifiers and Personal Information), including disclosure to third parties: (i) to satisfy any applicable law, regulation, subpoenas, governmental requests or legal process if in our good faith opinion such is required or permitted by law; (ii) to protect and/or defend the Site’s Terms and Conditions of Use or other policies applicable to the Site, including investigation of potential violations thereof; (iii) to protect the safety, rights, property or security of the Site or any third party; and/or (iv) to detect, prevent or otherwise address fraud, security or technical issues. Further, we may use IP address or other Device Identifiers, to identify users, and may do so in cooperation with third parties such as copyright owners, internet service providers, wireless service providers and/or law enforcement agencies, including disclosing such information to third parties, all in our discretion, subject to applicable law. Such disclosures may be carried out without notice to you.
(d)Business Transfer. We may share your information, including your Device Identifiers and Personal Information, Demographic Information and Usage Information with our parent, subsidiaries and affiliates. We also reserve the right to disclose and transfer all such information: (i) to a subsequent owner, co-owner or operator of the Site or applicable database; or (ii) in connection with a merger, consolidation, restructuring, the sale of substantially all of our interests and/or assets or other corporate change, including, during the course of any due diligence process.
(e)EEOC / Affirmative Action Reporting. In conjunction with laws and regulations enforced by the Equal Employment Opportunity Commission (“EEOC”), the Office of Federal Contract Compliance Programs (“OFCCP”) and similar state and local regulatory agencies, we may ask you to provide us with self-identifying information (such as veteran status, gender and ethnicity). Providing such self-identifying information is voluntary, but if you do provide us with such information, we may submit that information, to the EEOC, the OFCCP and similar state and local regulatory agencies or otherwise use or disclose it for business related purposes, including, without limitation, responding to information requests, fulfilling regulatory reporting requirements and defending against employment related complaints.
4.Do Third Party Content And Links To Third Party Sites Appear on the Site?
The Site may contain content that is supplied by a third party, and those third parties may collect web site Usage Information and your Device Identifier when web pages from the Sites are served to you. In addition, when you are on the Site you may be directed to other sites that are operated and controlled by third parties that we do not control. We are not responsible for the data collection and privacy practices employed by any of these third parties or their sites. For example, if you “click” on a link, the “click” may take you off the Site onto a different site. These other sites may associate their Tracking Technologies with you, independently collect data about you, including Personal Information, and may or may not have their own published privacy policies. We encourage you to note when you leave our Site and to review the third party privacy policies of all third party locations and exercise caution in connection with them.
5.How Do I Change My Information And Communications Preferences?
6.What About Transfer of Information To The United States?
7.What Should Parents Know About Children?
The Site is a general audience web site and we do not knowingly collect any personal information from children younger than the age of thirteen (13) as required by U.S. law. We will delete any personal information collected that we later determine to be from a user younger than the age of thirteen (13). If you are a parent or guardian of a child under the age of thirteen (13) and believe he or she has disclosed personal information to us, please contact us at email@example.com.
8.What About Security?
We take the security of your Personal Information seriously and take appropriate technical and organizational measures against unauthorized or unlawful processing of Personal Information and against accidental loss or destruction of, or damage to, personal data. However, although we take appropriate measures to protect the security of the information communicated through the Site, no Internet connected computer system can be made absolutely secure from intrusion. We, therefore, cannot and do not guarantee that information communicated by you to us will be received or that it will not be altered before or after its transmission to us. If you elect to use the Site to communicate with us or provide us with information, you do so at your own risk.
10.What are the New York confidentiality protocols for victims of domestic violence and endangered individuals?
NEW YORK CONFIDENTIALITY PROTOCOLS FOR VICTIMS OF DOMESTIC VIOLENCE AND ENDANGERED INDIVIDUALS
New York Insurance Law § 2612 Concerning Victims of Domestic Violence and Endangered Individuals
New York Insurance Law § 2612 establishes certain protections for victims of domestic violence:
- It prohibits an individual, insurer or other entity supervised by the New York Department of Financial Services, solely because a person is or has been a victim of domestic violence, from: It provides that if any person, covered by an insurance policy that was issued to another person as the policyholder, delivers to the insurer a valid order of protection issued by a New York court of competent jurisdiction against the policyholder, then the insurer is prohibited for the duration of the order from disclosing to the policyholder the address and telephone number of the person covered by the order of protection, or of any person or entity providing covered services to that person. If a child is the covered person, then the right may be asserted by the child’s parent or guardian.
- refusing to issue or renew, deny or cancel any insurance policy or contract;
- demanding or requiring a greater premium or payment from any person;
- designating domestic violence as a preexisting condition for which coverage will be denied or reduced;
- fixing any lower rate or discriminating in fees or commissions of agents or brokers for writing or renewing such a policy; and
- using the fact that a person is or has been a victim of domestic violence as an underwriting criterion.
- It provides that if any person, covered by group insurance policy, delivers to the insurer a valid order of protection, issued by a New York court of competent jurisdiction, against another person covered by the group policy, then the insurer is prohibited for the duration of the order from disclosing to the person against whom the order of protection was issued the address and telephone number of the person covered by the order of protection, or of any person or entity providing covered services to that person. If a child is the covered person, then the right may be asserted by the child’s parent or guardian.
- It requires a health insurer to accommodate a reasonable request by a person covered by an insurance policy to receive communications of claim related information from the insurer by alternative means or at alternative locations if the person clearly states that disclosure of all or part of the information could endanger the person. If the covered person is a child, then the right may be asserted by the child’s parent or guardian. Except with the express consent of the person making the request, a health insurer may not disclose to the policyholder: (1) the address, telephone number, or any other personally identifying information of the person who has made the request or the child for whose benefit a request was made; (2) the nature of the health care services provided; or (3) the name or address of the provider of covered services.
The following members of Arch Capital Group Ltd. are supervised by the New York Department of Financial Services and are subject to this law: Arch Insurance Company and Arch Indemnity Insurance Company. If you are covered under a New York issued policy by one of these companies and wish to request confidentiality you should follow the procedure below.
Procedure to Make a Request for Confidentiality:
- To submit a valid court order of protection and/or a request to receive communications of claim related information by alternative means or at alternative locations to Arch Insurance Group please send us:
- policy information with respect to the coverage applicable to you or a covered child on whose behalf you are making the request, if available;
- the alternative address, telephone number or other method of contact you wish us to use; and
- a valid court order of protection issued by a New York State Court and/or a statement that disclosure of claim related information could endanger the covered person seeking confidentiality.
This information should be sent to the following address:
Arch Insurance Group
300 Plaza Three
Jersey City, New Jersey 07311
Attention: General Counsel
- To revoke a request for confidentiality, please send us a sworn statement that confidentiality is no longer necessary.
NYS Domestic and Sexual Violence Hotline
For further information about domestic violence, you may contact the New York State Domestic and Sexual Violence Hotline by calling 1-800-942-6906.