Beazley Insurance Company, Inc. and Beazley USA Services, Inc. (collectively, "Beazley," "we" or "our") value your privacy and are committed to protecting your personal information. In this Privacy Statement ("Statement"), we describe the personal information that we collect from you when you visit our website, www.beazley.com (the "Site") or use any of the services available through our Site (the "Services"). To review the privacy statement that applies to Beazley Group US accident and health insurance products please visit http://www.accidentandhealth.beazley.com/privacy_statement.html.
By visiting this Site or using the Services, you agree that your personal information will be handled as described in this Statement, which incorporates by reference the Beazley.com Website Conditions of Use, available at https://www.beazley.com/legal_information.html including applicable limitations on liability and damages.
Types of information we collect and maintain
When you visit our Site or use our Services we collect certain information about you directly from you, from your activities on our Site, and from third parties.
- Account information
In order to access certain areas of the Site, or certain information or Services, you are required to register with us. If you create an account with us, we may collect your name, company name, email address, and the first six digits of your policy number, as well as a user name and password.
- Claims information
The Site provides the ability for online claims notification by a user. Information collected includes insured name, name of person completing the form along with their phone number and email address, policy number and date and description of the alleged event. The user can also upload supporting documentation. This information is emailed to email@example.com which is handled internally within Beazley and BeazleyClaims@vericlaiminc.com, a third party provider who provides claim management services.
From time to time, we may invite Site visitors to participate in an online survey about our Services. Participation is entirely optional and any information we collect is only used to improve the products and services we offer. As part of the surveys, we may collect your name, company and email address.
Information we collect automatically
When you visit the Site, our server will automatically record your IP (which can be used to identify your domain), the date, time and duration of your visit, and any information you provide by filling in forms on any of our websites. An IP address is an assigned number, similar to a telephone number, which allows your computer to communicate over the Internet. We may also collect personal user tracking information captured via online registration forms. We use IP addresses and personal user tracking information to analyze trends, administer our website, track general user movements, and gather broad demographic information for aggregate use, and may use more detailed user information gathered via online registration forms for additional marketing purposes.
Information you end us by email
Most email, including any email functionality on our site, does not provide a completely secure and confidential means of communication. It is possible that your email communication may be accessed or viewed inappropriately by another Internet user while in transit. If you wish to keep your information completely private, you should not use email.
How we use your personal information
In general, we use the information we collect from you, including any personal information, for the following purposes:
- To process your claims or other requests
- To respond to your requests or inquiries, to provide troubleshooting and technical support, and for other customer service purposes
- To inform you about other products or services we think may interest you
- To better understand how users access our Site and use our products and services
- To enhance your experience on the Site and to improve our products and services
- To protect the security or integrity of the Site and our business, including investigating, preventing or taking action regarding illegal activities, suspected fraud, and situations involving potential threats to the safety, rights or property of any person or party or violations of our Website Conditions of Use or this Privacy Statement.
Notwithstanding the above, we may use aggregate or de-identified information about users for marketing, advertising, research or other purposes.
With whom we share your personal information
We do not sell or disclose the personal information we collect through the Site to third parties for their own marketing purposes. However, we may, without your permission, disclose your personal information under the following circumstances:
- Service providers
To third parties that help us to operate, manage or service our business or the Site.
- Affiliates and subsidiaries
To our subsidiaries and affiliated companies who are required to treat the personal information in accordance with this Privacy Statement.
- Business transfers
If we are acquired by or merged with another company, if substantially all of our assets are transferred to another company, or as part of a bankruptcy proceeding.
- In response to legal process
In order to comply with the law, court order or other legal process, such as in response to a subpoena.
- To protect Beazley and others
Where we believe it is necessary to investigate, prevent or take action regarding illegal activities, suspected fraud, situations involving potential threats to the safety of any person or violations of our Website Conditions of Use or this Privacy Statement, or in legal proceedings involving Beazley or its affiliated companies.
Notwithstanding the above, we may share aggregate or de-identified information about users with third parties for marketing, advertising, research or similar purposes.
Cookies are small text files that are placed on your computer by websites that you visit. They are widely used in order to make websites work, or work more efficiently, as well as to provide information to the owners of the site.
We may also use a cookie to learn whether someone who saw an ad later visited and took an action (e.g. downloaded a white paper or made a purchase) and may use a cookie to determine whether we’ve shown an ad and how it performed, or provide us with information about how you interact with ads. Cookies and other ad technology such as pixels and tags help us serve relevant ads to you more effectively. They also help us provide aggregated auditing, research, and reporting for advertisers, understand and improve our service, and know when content has been shown to you .
You are not obliged to accept a cookie that we send to you and you can in fact modify your browser so that it will not accept cookies. However, if you select this setting you may be unable to access certain parts of our site.
There are two types of cookies: session-based and persistent-based cookies. In addition, we may permit certain third party cookies to be placed on our Site.
- Session cookies
Session cookies exist only during an online session. They disappear from your computer when you close your browser or turn off your computer. We use session cookies to allow our systems to uniquely identify you while you are logged in to the Site.
- Persistent cookies
Persistent cookies remain on your computer after you have closed your browser or turned off your computer. We use persistent cookies to track aggregate and statistical information about user activity.
- Third party cookies
We may also engage third parties, such as WebTrends and Google Analytics, to track and analyze non-personally identifiable site data. We use the data collected by such third parties to help us administer and improve the quality of the Site and to analyze usage. We do not provide these third parties with any personal information that we have collected about you. However, we do not have access to or control over these third party cookies nor does this Privacy Statement cover such third parties' use of data.
Most web browsers automatically accept cookies, but if you prefer, you can edit your browser options to block them in future. The Help portion of the toolbar on most browsers will tell you how to prevent your computer from accepting new cookies, how to have the browser notify you when you receive a new cookie, or how to disable cookies altogether; you may also visit http://www.allaboutcookies.org/ for information on disabling cookies. Certain Site features will not function if you disable cookies.
Third party analytics
We use automated devices and applications, such as WebTrends and Google Analytics or other means, to evaluate usage of our Site and Services. We use these tools to help us improve our Site and Services, performance, product and services, and user experiences. We do not share your personal information with these third parties.
How we secure your personal information
We have implemented commercially reasonable precautions, including, where appropriate, password protection and access controls, and SSL encryption to protect our Site, and the information we collect, from loss, misuse, and unauthorized access, disclosure, alteration, and destruction. Please be aware that despite our best efforts, no data security measures can guarantee 100% security all of the time.
Links to other websites
The Site may contain links to other websites, including third party websites and other websites operated by Beazley or its affiliates. This Privacy Statement applies only to information collected through this Site. We encourage you to review the privacy statements of each site you visit. We are not responsible for the privacy practices of other third-party sites.
Communications we send
We may send promotional and informational emails to you. You may opt-out of such communications by following the opt-out instructions contained in the promotional and informational e-mail. Please note that it may take up to 10 business days for us to process opt-out requests. If you opt-out of receiving promotional emails, we may still send you e-mails about your account, claims or any services you have requested or received from us.
How to contact us
If you have any questions about privacy or this Privacy Statement or would like to make a complaint, please contact us at firstname.lastname@example.org.
This Privacy Statement is effective March 1, 2013.
Changes to this statement
We may amend this Privacy Statement at any time. Any changes to this Privacy Statement will be posted here, so please check this page regularly and make sure to also check the effective date, set forth above. All amended terms are effective immediately.
Last updated September 10, 2013.