Online Privacy Policy

We may use the Personal Information we collect for the following purposes:
 

• Operate Our Business. We use the Personal Information we collect to allow you to maintain your account and otherwise run our day-to-day operations.
• Provide You Products and Services. We use the Personal Information we collect to provide you with, renew or modify products and services. We also use this information to maintain your coverage and memberships, including to set up a product or service, service your policy, change your policy, handle a claim, or complete a transaction.
• Communicate With You. We use the Personal Information we collect to communicate with you about your use of our Sites and Services, to respond to your inquiries, to provide you with the information and documents you request, and for other customer service purposes.
• Evaluate and Improve Our Products and Services. We use the Personal Information we collect to evaluate, analyze, improve, and develop our products and Services, including this Site. We also use this information to tailor the content and information that we may send or display to you, to offer location customization and personalized help and instructions, and to otherwise personalize your experiences while using our Services.
• Analytics Models to Support our Business. We use the Personal Information we collect in analytics models, including actuarial, underwriting, claims, and loss control models, to facilitate and service our business (e.g., to create new products and features). We may also use this information to conduct actuarial or research studies to maintain and develop our products and Services, and to create new offerings or features. We also use this information to administer surveys and questionnaires, such as for market research or member satisfaction purposes.
• Marketing and Advertising. We may use your Personal Information for marketing and promotional purposes, including to send you promotional communications about products, services, features, and options we believe may interest you. We may send communications via e-mail, regular mail or may send push notifications via a mobile device. We may also use your information to serve you advertisements or customized content online.
• Inferences. We may use the information we collect to better understand how you access and use our Sites and the products and Services available on our Sites, both on an aggregated and individualized basis.
• Find Locations on Request. At your request, we may use your information to obtain your location from the mobile device or the network using your device’s Global Positioning System (GPS) functionality, or directly from you. We may use your location information to help you search for information, including searching for an agent, searching for a service provider, identifying the location of an accident or identifying the location of a roadside event you are reporting. If you do not want location information used, you can disable the GPS functionality on your mobile device.
• Fraud and Security Purposes. We may use the Personal Information we collect to mitigate fraud and protect Chubb and others. We also use this information to prevent and detect fraudulent, malicious, deceptive, infringements of our policies and contracts and other potential misuse of or illegal activity relating to our products, assets, and Services.
• Legal Requirements. We use the Personal Information we collect to investigate, enforce, and apply this Policy and our Terms of Use, and to otherwise protect our own rights and interests, such as to resolve any disputes or to respond to requests from law enforcement, court orders, regulators, or other legal processes.
• Business Transfers. We may also use the Personal Information we collect and receive to consider and implement mergers, acquisitions, reorganizations, refinancing, and other business transactions, and for the administration of our general business, accounting, recordkeeping, and other legal functions.
• Other Operational and Business Purposes. We may use your Personal Information for other operational purposes, including to refer you to our third-party partners as part of a referral program, to comply with contracts related to products or services that we provide to you.

We also may use automated processes and combine or aggregate any of the information we collect through the Services or elsewhere for any of these purposes or for analyzing usage statistics and trends.

Chubb may collect Social Security numbers (“SSNs”) in the course of our business.  We strive to protect the confidentiality and security of SSNs in our possession, custody or control by: (i) limiting access to SSNs and (ii) maintaining reasonable administrative, technical and physical safeguards to protect against the loss, misuse or unlawful disclosure of SSNs.  We do not share SSNs for marketing purposes.

We make available several ways for you to manage choices about your Personal Information, including preferences regarding cookies, advertising, whether you want to receive marketing and promotional emails from us, and choices regarding your account and profile information. 
 

• Cookie Settings. If you wish to prevent cookies from tracking your activity on our Sites or visits across multiple websites, you can set your browser to block certain cookies or notify you when a cookie is set; you can also delete cookies. The “Help” portion of the toolbar on most browsers will tell you how to prevent your device from accepting new cookies, how to have the browser notify you when you receive a new cookie, or how to delete cookies. Visitors to our Sites who disable cookies will be able to browse the Sites, but some features may not function.
• Industry Ad Choice Programs. You can also control how participating third-party ad companies use the information that they collect about your visits to our websites and use of our mobile applications, and those of third parties, in order to display more relevant targeted advertising to you. If you are in the U.S., you can obtain more information and opt out of receiving targeted ads from participating third-party ad networks at aboutads.info/choices (Digital Advertising Alliance).  You may also download the DAA AppChoices tool (https://youradchoices.com/appchoices)  in order to help control interest-based advertising on apps on your mobile device. 
• Marketing Communications. You can opt out of receiving marketing emails from us by using the unsubscribe feature in any such email we send you.
• Account and Profile Information. You may access, update, or correct your account and profile information at any time by logging in to your account and updating the Personal Information we maintain. We may keep a copy of your prior information for a period of time, as part of our business records and our backup data. 

When you use our Services, you may find links to other websites that we do not own or control. We are not responsible for the privacy practices of these  other sites, including their collection of your Personal Information. You should review the terms and conditions and privacy policies of these other sites before providing your information.

We or our third party service providers may use artificial intelligence (AI) to provide products or services to you, which may involve the use of your Personal Information from the Sources described herein. We may use AI in connection with our products or services to facilitate and service our business (e.g., assist in underwriting, pricing, claims handling process or data management), as well as to enhance performance and user experience on our websites and applications. The type of AI we use varies based on your relationship with us and by product and service.

This Policy is current as of the Effective Date set forth above. We may change this Policy at any time and from time to time. Any amendments or modifications to this Policy will become effective immediately upon posting. We will let you know of amendments or modifications by appropriate means such as by posting the revised statement on this page with a new “Last Updated” date. Your continued use of any of our Services following the posting of a revised version of this Policy will constitute your acceptance of the revised Policy. If you do not agree with the revised Policy, do not use any of our Services.

By using the Services or by consenting using a consent mechanism where provided you signify your consent to this Policy and this site’s Terms of Use. If you do not agree to this Policy or the site’s Terms of Use, please do not use the Services. The Services are not for use within any country or jurisdiction or by any persons where such use would constitute a violation of law. If this applies to you, you are not authorized to access or use any of the Services.

The following identifies the categories of Personal Information we may collect about you (and may have collected in the prior 12 months). Note that our collection, use and disclosure of Personal Information about you will vary depending upon the circumstances and nature of our interactions or relationship with you. Depending on how you use our Services, we may collect the following categories of Personal Information:
 

• Identifiers, such as real name, alias, job title, address, email address, date of birth, policy number, salary information, social security number, driver’s license number, other government identifiers, credit card number, and tax ID.
• Online Identifiers, such as unique personal identifiers, device IDs, ad IDs, IP addresses, and cookie data.
• Customer or Claimant Records, such as paper or electronic customer or claimant records containing Personal Information, as well as information provided by an insurance broker/agent or reinsurer for underwriting purposes and information included in a list of claims, such as name, signature, physical characteristics or description, address, telephone number, education, current employment, employment history, social security number, passport number, driver’s license or state identification card number, insurance policy number, bank account number, payment card number, gender, height, weight, medical information (including reports and medical bills), health insurance information, details about home address, security and travel plan arrangements, records of personal property, products or services purchased or obtained.
• Financial Information, such as your bank account or credit card number and other payment details.
• Characteristics of Protected Classifications under California or Federal Law, such as age (40 years or older), race, ancestry, national origin, citizenship, religion or creed, marital status, pregnancy, medical condition, physical or mental disability, sex, sexual orientation, and veteran or military status.
• Usage Data, such as Internet or other electronic network activity information regarding a California resident's interaction with portals, Internet websites, applications, or advertisements, including, but not limited to, browsing history, clickstream data, search history and content of public posts.
• Biometric Information, such as individual biological or behavioral characteristics including measurements of physical characteristics such as height, weight and blood pressure, sleep, health, or exercise data that contain identifying information.
• Education Information, such as education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes and student disciplinary records.
• Geolocation Data, such as physical location or movements.
• Audio, Video and Other Electronic Data, such as audio information including call recordings, video and photographs, recorded meetings and webinars, and CCTV footage to secure our offices and premises.
• Professional or Employment-Related Information, such as employment history, qualifications, licensing, and disciplinary record.
• Inferences and Preferences, such as inferences drawn from any of the information described in this section about a consumer including inferences reflecting the consumer’s preferences, characteristics, behavior and abilities.
• Sensitive Personal Information, such as social security number, driver’s license number, racial or ethnic origin, citizenship or immigration status, religious or philosophical beliefs, medical condition, and physical or mental disability.
   

Sources of Personal Information

We generally collect Personal Information from the following categories of sources:
 

• Directly from you and automatically;
• Our affiliates and subsidiaries;
• Brokers and agents;
• Corporate policyholders; and
• Our vendors and service providers (e.g., third party administrators).
   

Purposes for Collecting and Disclosing Personal Information

As described in the “How We Use Personal Information” section above, in general, we collect and otherwise process the personal information we collect for the following business or commercial purposes:

• Operate our business;
• Provide you products and services;
• Communicate with you;
• Evaluate and improve our products and services;
• Analytics models to support our business;
• Marketing and advertising;
• Inferences;
• Find locations on request;
• Fraud and security purposes;
• Legal requirements;
• Business transfers; and
• Other operational and business purposes.
   

Sensitive Personal Information

Notwithstanding the purposes described above, we do not collect, use, or disclose “sensitive personal information” beyond the purposes authorized by the CCPA. Accordingly, we only use and disclose sensitive personal information as reasonably necessary and proportionate: (i) to perform our services requested by you; (ii) to help ensure security and integrity, including to prevent, detect, and investigate security incidents; (iii) to detect, prevent and respond to malicious, fraudulent, deceptive, or illegal conduct; (iv) to verify or maintain the quality and safety of our services; (v) for compliance with our legal obligations; (vi) to our service providers who perform services on our behalf; and (vii) for purposes other than inferring characteristics about you.

Retention of Personal Information

We retain the Personal Information we collect only as reasonably necessary for the purposes described in this Privacy Policy or otherwise disclosed to you at the time of collection. For example, we will retain certain identifiers for as long as it is necessary to comply with our tax, accounting and recordkeeping obligations, to administer certain policies and coverage, and for research, development and safety purposes, as well as an additional period of time as necessary to protect, defend or establish our rights, defend against potential claims, and to comply with our legal obligations. From time to time, we may also deidentify your Personal Information, retain it and use it for a business purpose in compliance with CCPA.

Disclosure of Personal Information to Third Parties and Other Recipients

The categories of Personal Information we have disclosed for a business purpose in the preceding twelve (12) months include: identifiers, online identifiers, customer records, financial information, characteristics of protected classifications, usage data, biometric information, education information, geolocation data, audio, video, and other electronic data, professional or employment-related information, inferences, and sensitive personal information.

The categories of third parties and other recipients to whom we may disclose personal information for a business purpose may include: 
 

• Affiliates, subsidiaries, and business partners;
• Vendors and service providers;
• Acquirers of business assets;
• Advisors, auditors, consultants, and representatives;
• Agents and brokers;
• Reinsurers;
• Regulators, government entities, and law enforcement;
• Operating systems and platforms; and
• Others as required by law.
   

Additionally, the CCPA defines “sale” as disclosing or making available personal information to a third-party in exchange for monetary or other valuable consideration, and “sharing” includes disclosing or making available personal information to a third-party for purposes of cross-contextual behavioral advertising. While we do not “sell” Personal Information, we may “share” the following categories of Personal Information: online identifiers, and usage data. We disclose this information to third-party advertising networks, analytics providers, and social networks for purposes of marketing and advertising. We do not sell or share “sensitive personal information,” nor do we sell or share any Personal Information about individuals who we know are under sixteen (16) years old.

Rights Regarding Your Personal Information

The CCPA provides California residents with specific rights regarding Personal Information. This section describes your rights under the CCPA and explains how to exercise those rights. Subject to certain exceptions, California consumers have the right to make the following requests:

Right to Know. With respect to the Personal Information we have collected about you in the prior (twelve) 12 months, you have the right to request from us (up to twice per year and subject to certain exemptions and carveouts):
 

• The categories of Personal Information we collected about you;
• The sources from which we have collected that Personal Information;
• Our business or commercial purpose for collecting, selling, or sharing that Personal Information;
• The categories of third parties to whom we have disclosed that Personal Information; and
• A copy of the specific pieces of your Personal Information we have collected.
   

Right to Correct. Subject to certain restrictions, you have the right to request that we correct inaccuracies in your Personal Information.

Right to Delete. Subject to certain conditions and exceptions, you have the right to request deletion of your Personal Information that we have collected about you.

Right to Opt-Out. You have the right to opt-out of “sales” and “sharing” of your Personal Information, as those terms are defined under the CCPA. While we do not “sell” Personal Information, our use of certain third-party analytics and advertising cookies may constitute “sharing” under the CCPA. To exercise your right to opt-out of the “sharing” of your Personal Information, please use the Do Not Sell or Share My Personal Information link at the bottom of our Site.

You also have the right to opt-out of “sales” and “sharing” of your Personal Information through the use of an opt-out preference signal. If our Site detects that your browser or device is transmitting an opt-out preference signal, such as the “global privacy control”—or GPC— signal, we will opt that browser or device out of cookies on our Site that result in a “sale” or “sharing” of your Personal Information. If you come to our Site from a different device or from a different browser on the same device, you will need to opt-out, or use an opt-out preference signal, for that browser and/or device as well.

Right to Limit Use and Disclosure of Sensitive Personal Information. We do not engage in uses or disclosures of Personal Information that would trigger the right to limit use of sensitive personal information under the CCPA.

Right to Non-Discrimination. We will not discriminate against you for exercising any of the rights described in this section.

Exercising Your Rights

If you are a California resident and would like to exercise your CCPA rights, you may do so via any of the methods described below:
 

• Accessing our Data Subject Request web page; or
• Calling us at 1-833-324-9798
   

Authorized Agent. You may designate someone as an authorized agent to submit requests and act on your behalf. Authorized agents will be required to provide proof of their authorization in their first communication with us, and we may also require that you directly verify your identity and the authority of your authorized agent.

Businesses operating as an authorized agent on behalf of a California resident must provide both of the following:

(1) Certificate of good standing with its state of organization; and

(2) A written authorization document, signed by the California resident, containing the California resident’s name, address, telephone number, and valid email address, and expressly authorizing the business to act on behalf of the California resident.

Individuals operating as an authorized agent on behalf of a California resident must provide a written authorization document, signed by the California resident, containing the California resident’s name, address, telephone number, and valid email address, and expressly authorizing the individual to act on behalf of the California resident.

We reserve the right to reject (1) authorized agents who have not fulfilled the above requirements, or (2) automated CCPA requests where we have reason to believe the security of the requestor’s personal information may be at risk.

Verification. Before responding to your request, we must first verify your identity using the Personal Information you recently provided to us. The information we need in order to verify your identity differs depending on the request made and our relationship with you and might include (as applicable) your name, the email address you regularly use to interact with us, your phone number, your date of birth, and, if available, your policy number. We will take steps to verify your request by matching the information provided by you with the information we have in our records. In some cases, we may request additional information to verify your identity, or where necessary to process your request. In some cases, we may also carry out checks, including with third party identity verification services, to verify your identity before taking any action with your Personal Information. If we are unable to verify your identity after a good faith attempt, we may deny the request and, if so, will explain the basis for the denial.

Artificial Intelligence

We or our third party service providers may use artificial intelligence (AI) to provide products or services to you, which may involve the use of your Personal Information from the Sources described herein. We may use AI in connection with our products or services to facilitate and service our business (e.g., assist in underwriting, pricing, claims handling process or data management), as well as to enhance performance and user experience on our websites and applications. The type of AI we use varies based on your relationship with us and by product and service.

Contact Us

If you have any questions about this section of the Privacy Policy, our privacy practices, or our use of AI, or if you wish to exercise your rights under California law, please contact us at:

Chubb Group
Attention: NA Privacy Office
202 Hall’s Mill Road, P.O. Box 1600
Whitehouse Station, NJ 08889-1600
Telephone: 1-833-324-9798
E-mail: NAPrivacyOffice@chubb.com