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RoamRight Website Privacy Policy

Effective Date: September 4, 2012

Welcome! You have arrived at a website that is owned and/or operated by Arch Capital Group Ltd. and its subsidiaries (collectively, “Arch” or “we,” “our” or “us”). RoamRight® is a trade name used by Arch Insurance Company and owned by Arch Capital Group (U.S.) Inc., which are both subsidiaries of Arch. This “Privacy Policy” governs your use of our sites that post a link to this Privacy Policy (including, without limitation, both mobile and online versions of our sites), and also applies to your use of interactive features, widgets, applications, content or downloads that interact with the sites and post this Privacy Policy (collectively, the “Site”) regardless of how you access or use them, whether via personal computers, mobile devices or otherwise. This Privacy Policy only covers information collected at the Site directly by us, and not third parties that may interact with our Site, and does not cover any information collected at any other web site or offline by Arch (unless specifically stated). This Privacy Policy also does not apply to our data collection activities offline or otherwise outside of our Site. To the extent we provide you notice on our Site of different or additional privacy policies or practices (e.g., at the point of our collection), those additional terms shall govern such data collection and use.

In addition, please review the Site’s Terms and Conditions of Use, that governs your use of the Site. By using our Site, you consent to our Privacy Policy and Terms and Conditions of Use and our collection, use and sharing of your information and data, and other activities, as described below.

Table of Contents

It is important that you read and understand the entire Privacy Policy before using the Site. However, this table of contents further highlights key issues and points, and you can click on the headings to be taken to the full explanation.

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

9. What About Changes To The Privacy Policy? 

We may change this Privacy Policy as explained here.

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

Personal Information and Demographic Information. On the Site, we may ask you to provide us with certain categories of information such as: (1) personally identifiable information, which is information that could reasonably be used to identify you personally, such as your full name, email address, date of birth, phone number, credit card number and physical address (“Personal Information”); and (2) demographic information, such as information about your travel plans, gender, marital status, education level and occupation (“Demographic Information”). You can visit this Site without revealing who you are or providing any personal information about yourself. However, there will be times, when we will need to obtain Personal Information from you or about you. We may collect this information through various forms and in various places on the Site, including account registration forms, policy application forms, contact us forms or when you otherwise interact with the Site such as through any online chat functionality with one of our customer service representatives. If we combine Demographic Information with the Personal Information we collect, we will treat it as Personal Information under this Privacy Policy.

(b)Information We Collect As You Access And Use The Site

In addition to any Personal Information or other information that you choose to submit to us via our Site, we and our third-party service providers may use a variety of technologies that automatically (or passively) collect certain information whenever you visit or interact with the Site (“Usage Information”), which technologies may be downloaded to your Device (defined below) and may set or modify settings on your Device. This Usage Information may include the browser that you are using, the URL that referred you to our Site, the areas within our Site that you visit and your activities there, your Device location, your Device characteristics and certain Device data, and the time of day, among other information. We may use Usage Information for a variety of purposes, including to assess, enhance or otherwise improve the Site or our activities in connection with them. In addition, we may collect your IP address or other unique identifier, or assign one to you (“Device Identifier”) for your computer or other device used to access or interact with our Site (any, a “Device”). A Device Identifier is a number or other identifier that is automatically assigned to your Device used to access the Site, and our computers identify your Device by its Device Identifier. We may access and use Device Identifiers that have already been associated with your Device, may modify such identifiers to create a new identifier or associate a wholly new identifier with you or your Device. Usage Information may be non-identifying or may be associated with you. To the extent Usage Information or a Device Identifier is combined with Personal Information we have collected directly from You on our Site, we will treat it as Personal Information hereunder, and we will apply this Privacy Policy to such combined information. Otherwise, a Device Identifier is not treated by us as Personal Information.

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.

There may be other Tracking Technologies now and later devised and used by us in connection with the Site. Further, third parties may use Tracking Technologies with our Site. We may not control those Tracking Technologies and in such event, we are not responsible for them. This Privacy Policy does not apply to: (i) the Tracking Technologies or practices of such third parties, or (ii) our Tracking Technologies that are used by third parties on such third parties’ own sites or applications. This applies even if they share the collected data with us. Our site uses Google Analytics data and the DoubleClick cookie to serve ads based on a user's prior visits to our websites. You may opt out of the DoubleClick cookie by visiting the Google Advertising opt-out page http://www.google.com/policies/privacy/ads/ or you may opt out of Google Analytics by visiting the Google Analytics Opt-out page at https://tools.google.com/dlpage/gaoptout .

(c)Information Third Parties Provide About You

We may, from time to time, supplement the information we collect directly from you on our Site with outside records from third parties for various purposes, including to enhance our ability to serve you, to tailor our content to you and to offer you opportunities that may be of interest to you. We will apply this Privacy Policy to such information we receive from those sources with information we collect through the Site, and if information collected on and off the site is combined to the extent we combine it with Personal Information, it will be treated as Personal Information and we will apply this Privacy Policy to such combined information, unless we have disclosed otherwise. In no other circumstances do our promises under this Privacy Policy apply to information we receive about you from third parties, even if they have used our technology to collect it and share it with us.

(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?

(a)Use of Information by Us. We may use your Personal Information, Demographic Information or Usage Information that is subject to this Privacy Policy: (1) to provide you with information or services or process transactions that you have requested or agreed to receive including in connection with an insurance policy that you have purchased or to send you electronic newsletters, or to provide you with special offers or promotional materials on behalf of us or third parties; (2) to process your registration with the Site, including verifying your information is active and valid; (3) to improve the Site or our services, to customize your experience on the Site, or to serve you specific content that is relevant to you; (4) to contact you with regard to your use of the Site and, in our discretion, changes to the Site and/or Site’s policies; (5) for internal business purposes, including to help us understand how our Site is navigated and used; and (6) for purposes disclosed at the time you provide your information or as otherwise set forth in this Privacy Policy.

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?

We may share non-personally identifiable information, such as aggregated user statistics, with third parties. We may share your Device Identifiers with third parties along with non-personally identifiable information. We do not share data related to you and your activities. We do not share your Personal Information that we have collected from you pursuant to this Privacy Policy with third parties for those third parties’ marketing purposes unless you consent to such sharing at the time you provide your Personal Information. In addition, we may share the information we have collected about you, including Personal Information, as disclosed at the time you provide your information and as described below or otherwise in this Privacy Policy.

(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.

(b)Third Parties Providing Services on Our Behalf. We may use third party vendors to perform certain services on behalf of us or the Site, such as hosting the Site, for providing the technology to permit the chat functionality on the Site, designing and/or operating the Site’s features, processing credit card transactions in connection with the purchasing of products or services through the Site, tracking the Site’s activities and analytics, and enabling us to send you special offers or perform other administrative services. We may provide these vendors with access to user information or the ability to directly collect information from you, including Device Identifiers and Personal Information, to carry out the services they are performing for you or for us. For example, we may use third parties to facilitate the chat functionality on the Site. These third parties may retain any information used or provided in any such communications or other activities and these third parties’ practices are not subject to our Privacy Policy. We may not control or have access to your communications through these third parties. You should review the applicable third party privacy policies before using such third party tools on our Site, and we are not responsible for these parties’ practices. Additionally, third party analytics service providers may set and access their own Tracking Technologies on your Device and they may otherwise collect or have access to information about you, potentially including Personal Information, about you. We are not responsible for those third party technologies or activities arising out of them.

(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?

You are responsible for maintaining the accuracy of the information you submit to us, such as your contact information provided as part of registration. The Site may allow you to review, correct or update Personal Information you have provided through the Site’s registration forms or otherwise, and you may provide registration updates and changes by contacting us at privacy@roamright.com. If so, we will make good faith efforts to make requested changes in our then active databases as soon as reasonably practicable. When you edit your Personal Information or change your preferences on the Site, information that you remove may persist internally for our administrative purposes. You may cancel or modify our e-mail marketing communications you receive from us by following the instructions contained within our promotional e-mails or in some cases by logging into your Site account and changing your communication preferences. This will not affect subsequent subscriptions and if your opt-out is limited to certain types of e-mails the opt-out will be so limited. If you have any questions about: your Privacy Policy or practices describe in it, you should contact us in the following ways: Postal Mail: Arch Capital Services Inc., 360 Hamilton Avenue, Suite 600, White Plains, New York 10601; By e-mail: privacy@roamright.com. Please note that we reserve the right to send you certain communications relating to your account or use of the Site, such as administrative and services announcements and these transactional account messages may be unaffected if you choose to opt-out from receiving marketing communications.

6.What About Transfer of Information To The United States?

Our Site is operated in the United States and intended for users located in the United States. If you are located outside of the United States, please be aware that information we collect, including Personal Information, will be transferred to, and processed, stored and used in the United States. The data protection laws in the United States may differ from those of the country in which you are located, and your Personal Information may be subject to access requests from governments, courts, or law enforcement in the United States according to laws of the United States. By using the Site or providing us with any information, you consent to the transfer to, and processing, usage, sharing and storage of your information, including Personal Information, in the United States as set forth in this Privacy Policy.

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 privacy@archcapservices.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.

9.What About Changes To The Privacy Policy?

We reserve the right to change, update and/or modify this Privacy Policy at any time without notice to you. Any changes will be effective immediately upon the posting of the revised Privacy Policy. However, we will not use your Personal Information in a manner materially different than promised at the time it was collected without your consent. Please review the Privacy Policy whenever you access and/or use this Site.

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:

  1. 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:
    1. refusing to issue or renew, deny or cancel any insurance policy or contract;
    2. demanding or requiring a greater premium or payment from any person;
    3. designating domestic violence as a preexisting condition for which coverage will be denied or reduced;
    4. fixing any lower rate or discriminating in fees or commissions of agents or brokers for writing or renewing such a policy; and
    5. using the fact that a person is or has been a victim of domestic violence as an underwriting criterion.
  2. 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.

  3. 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.
  4. 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:

  1. 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:
    1. policy information with respect to the coverage applicable to you or a covered child on whose behalf you are making the request, if available;
    2. the alternative address, telephone number or other method of contact you wish us to use; and
    3. 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

  2. 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.

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RoamRight offers travel insurance plans for leisure, business, student, and group travelers with trips domestic and abroad. Our insurance is underwritten by Arch Insurance Company, a market-leading specialty insurer. More information about Arch Insurance Company is available here. Our staff and customer service representatives are travel insurance specialists who offer customers expert information about packages, travel planning, and insurance coverage options. Contact us today to learn more.

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