Effective date: December 1, 2019
International Catastrophe Insurance Managers, L.L.C. (“ICAT” or “We”) strive to protect the privacy and the confidentiality of personal information that we process, including that of visitors to this website or application (the “Site”). This Privacy Statement explains what personal information we collect through this Site, how we use, share, and protect that personal information, and what your rights are with respect to your personal information that we gather.
The Privacy Statement is subject to change at any time. If we make changes to this Privacy Statement, we will update the “Effective date” at the top of this page. Any changes we make to this Privacy Statement become effective immediately, so you should review this Privacy Statement regularly for changes.
This Privacy Statement applies solely to data collected via the Site and websites we control that link to this Privacy Statement. We gather this information when you:
Please note that this Privacy Statement does not apply to:
“Personal information” is information that identifies you as an individual or relates to an identifiable individual.
The personal information we collect through the Site falls into two categories:
(1) Information you voluntarily provide to us on the Site.
(2) Information gathered via automated means as you navigate through the Site.
Information Provided by You or Those You Authorize
We may collect and process the following personal information:
Individual details - name, address (and proof of address), other contact details (e.g. email and telephone details), gender, marital status, family details, date and place of birth, employer, job title and employment history, relationship to the policyholder, insured, beneficiary or claimant.
Identification details - identification numbers issued by government bodies or agencies (e.g. depending on the country you are in, social security or national insurance number, ID number, tax identification number, driver’s license number).
Financial information - payment card number, bank account number and account details, income and other financial information.
Insured risk - information about the insured risk, which contains personal information and may include, only to the extent relevant to the risk being insured or claims relating to such insured risk:
Policy information - information about the quotes individuals receive and the policies they obtain.
Credit and anti-fraud data - credit history and credit score, information about fraud convictions, allegations of crimes and sanctions details received from various anti-fraud and sanctions databases, or regulators or law enforcement agencies.
Previous claims - information about previous claims, which may include health data, criminal records data and other Special Categories of personal information (as described in the Insured Risk definition above).
Current claims - information about current claims, which may include health data, criminal records data and other Special Categories of personal information (as described in the Insured Risk definition above).
Marketing data - whether or not the individual has consented to receive marketing from us and/or from third parties.
Information Collected by Automated Means
We use various tools to enhance your user experience and track users of our websites, including cookies and web beacons. These tools may collect personal information including your IP address and domain name, your browser version and operating system, traffic data, location data, web logs and other communication data, and the resources that you access.
You can refuse to accept and delete cookies by adjusting your browser setting. Please note that refusing or deleting cookies may impact your browsing experience on our websites, or prevent you from using some of its services, and it may result in the deletion of any preferences you have set. For more information on how to reject or delete cookies, you should consult with your browser’s or device’s help documentation or visit www.aboutcookies.org. We do not use technology that recognizes do-not-track signals from your browser. You can also opt out of Internet based advertising by installing a browser plugin from the third party where available. For more information about interest-based advertising, please see: http://www.networkadvertising.org/managing/opt_out.asp.
In addition, in the course of seeking network security and consistent service for all users, software programs may be employed to monitor network traffic, identify unauthorized access or access to nonpublic information, detect computer viruses and other software that might damage our computers or the network, and monitor and fine-tune our network’s performance. These programs may detect additional information from your computer such as your IP address, addresses from network packets, and other technical information. Any such information is used only for the purpose of maintaining the security and performance of our networks and computer systems.
We may combine the information you provide us and information we automatically collect with information from public or third-party sources.
We will use the information provided by you in order to:
We share or may share your personal information as follows:
We will not disclose, share, sell, or otherwise use your personal information without your consent, except to the extent required by law, in accordance with your instructions, or as identified in this Privacy Statement.
Third parties to whom we disclose information are required by law and/or contractual requirements to keep your personal information confidential and secure. These parties may not use or disclose it except as reasonably necessary to provide services to you, on our behalf, on behalf of your employer, or to comply with or as permitted by applicable law.
All information that you submit through this Site is collected, stored, and processed in the United States within Company-controlled databases. We restrict access to your personal information to employees of ours and our affiliates and to service providers who need to use it to provide this Site and our products or services. We have implemented physical, administrative, and technical safeguards to protect your personal information from unauthorized access. However, as effective as our security measures are, no security system is impenetrable.We cannot guarantee the security of our systems, nor can we guarantee that information you supply will not be intercepted while being transmitted to us over the Internet.
We will retain your personal information for as long as is necessary for the processing purpose(s) for which it was collected and other permitted purpose(s), including retention of personal information required by contract, law or regulation. Our retention periods are based on business, legal and regulatory needs with information that is no longer needed either de-identified or securely destroyed.
California Consumer Privacy Act (Effective January 1, 2020)
This Privacy Notice is intended to inform you of our policies and practices regarding the collection, use, retention, and disclosure of any personal information that we collect from or about you in connection with the Site. However, we provide the Service pursuant to a contract we have entered into with our corporate client (“Client”), who is the business ultimately responsible for determining how your personal information will be processed. As such, we act as a “service provider” when it comes to handling your personal information, which means all of the personal information that we collect from or about you in connection with the Service is processed under the direction of our Client and governed by our agreement with our Client. We have no direct ownership over your personal information. Instead, our collection, use, sharing, and retention of your personal information collected through the Service is limited to providing the services for which our Client has engaged us.
Accordingly, if you are using the Service in connection with your duties of employment or by virtue of some other relationship with our Client, we encourage you to review that Client’s privacy notice to understand the full scope of how your personal information will be handled. This includes any processing performed by Client if we make your personal information available to our Client, as described in this Notice.
Further, in any case where we are acting as a service provider to a Client, if you wish to exercise any rights that may be available to you under certain data privacy laws (for example, the right to access or deletion under the California Consumer Privacy Act if you are a resident of California as described below), you should direct your request to our Client, who is the party responsible for receiving, assessing, and responding to your requests, as we do not have any obligation, and, notwithstanding anything in this Privacy Notice to the contrary, may elect not, to respond to your requests.
California Shine the Light Law
Under California’s “Shine the Light” law, Site visitors who are California residents may request and obtain a notice once a year about the personal information we shared with other businesses for their own direct marketing purposes. Such a notice will include a list of the categories of personal information that was shared (if any) and the names and addresses of all third parties with which the personal information was shared (if any). The notice will cover the preceding calendar year. To obtain such a notice, please contact us as described below. In addition, under this law you are entitled to be advised how our Site handles “do not track” browser signals. Because there currently is not an industry or legal standard for recognizing or honoring DNT signals, we do not honor Do Not Track requests at this time.
Keeping your information accurate and up-to-date is very important. Inaccurate or incomplete information could impact our ability to deliver relevant services to you. Please let us know about any changes that may be required to your personal information using the contact information below.
To submit questions or requests regarding this Privacy Statement or our privacy practices, please email us at PrivacyPolicyInquiries@victorinsurance.com.