Privacy Policy

If you have any questions about our use of your Personal Information you can e-mail Privacy@aig.com.

Depending on your relationship with us (for example, as a consumer policyholder; insured person benefiting under another policyholder’s policy, or claimant; witness; commercial broker or appointed representative; or other person relating to our business), Personal Information collected about you and your dependents may include:

• General identification and contact information 
  Your name; address; e-mail and telephone details; gender; marital status; family status; date of birth; passwords on our systems; educational background; physical attributes; activity records, such as driving records; photos; employment history, skills and experience; professional licenses and affiliations; relationship to the policyholder, insured or claimant; and date and cause of death, injury or disability.
• Identification numbers issued by government bodies or agencies 
  Social Security or national insurance number; passport number; tax identification number; military identification number; or driver’s or other license number.
• Financial information and account details 
  Payment card number; bank account or other financial account number and account details; credit history and credit score; assets; income; and other financial information.
• Medical condition and health status 
  Current or former physical or mental or medical condition; health status; injury or disability information; medical procedures performed; personal habits (for example, smoking or consumption of alcohol); prescription information; and medical history.
• Other sensitive information 
  In certain cases, we may receive sensitive information about you for example, if you apply for insurance through a third party marketing partner that is a professional, trade, political, religious or community organization.  In addition, we may obtain information about your criminal record or civil litigation history in the process of preventing, detecting and investigating fraud.  We may also obtain sensitive information if you voluntarily provide it to us (for example, if you express preferences regarding medical treatment based on your religious beliefs).
• Telephone recordings 
  Recordings of telephone calls to our representatives and call centers.
• Photographs and video recordings 
  Photographs or video recordings created in connection with our insurance or other business activities, including for  claims assessment, processing, settlement, and disputes, or for other relevant purposes as permitted by law.
• Information to investigate or prevent crime, including fraud and money laundering 
  For example, insurers commonly share information about their previous dealings with policyholders and claimants for this purpose.
• Information enabling us to provide products and services 
  Location and identification of property insured (for example, property address, vehicle license plate or identification number); travel plans; age categories of individuals you wish to insure; policy and claim numbers; coverage/peril details; cause of loss; prior accident or loss history; your status as director or partner, or other ownership or management interest in an organization; other insurance you hold; and details on products for which you have or seek a warranty.
• Marketing preferences, customer feedback and survey responses
  You may let us know your marketing preferences, enter a contest or prize draw or other sales promotion, or respond to a voluntary survey.
• Social media account and information from Apps 
  We may receive certain Personal Information about you when you use our Apps or Social Media Pages, including your social media account ID and profile picture.  If you elect to connect any of your other social media accounts to your account(s) on the AIG On-line Services, Personal Information from your other social media account(s) will be shared with us, which may include Personal Information that is part of you profile relating to those accounts or your friends’ profiles.
• Information from Other Sources 
  We and our service providers may supplement the Personal Information we collect with information from other sources, such as publicly available information from social media services, commercially available sources and information from our affiliates or business partners.

We use this Personal Information to :

• Communicate with you and others as part of our business.
• Respond to your requests.
• Send you important information regarding changes to our policies, other terms and conditions, our AIG On-line Services and other administrative information.
• Make decisions about whether to provide insurance and assistance services, and other products and services which we offer, and provide such products and services, including claim assessment, processing and settlement; and, where applicable, manage claim disputes.
• Assess your eligibility for payment plans, and process your premium and other payments.
• Provide improved quality, training and security (for example, with respect to recorded or monitored phone calls to our contact numbers).
• Prevent, detect and investigate crime, including fraud and money laundering, and analyze and manage other commercial risks.
• Carry out research and analysis, including analysis of our customer base and other individuals whose Personal Information we collect as explained in this Privacy Policy.
• Provide marketing information to you (including information about other products and services offered by selected third-party partners) in accordance with preferences you have expressed.
• Personalize your experience when using our AIG On-line Services or visiting third-party websites by presenting information and advertisements tailored to you.
• Identify you to anyone to whom you send messages through any of the AIG On-line Services.
• Allow you to participate in contests, prize draws and similar promotions, and to administer these activities. Some of these activities have additional terms and conditions, which could contain additional information about how we use and disclose your Personal Information, so we suggest that you read these carefully.
• Facilitate social sharing functionality.
• Manage our infrastructure and business operations, and comply with internal policies and procedures, including those relating to auditing; finance and accounting; billing and collections; IT systems; data and website hosting; data analytics; business continuity; and records, document and print management.
• Resolve complaints, and handle requests for data access or correction.
• Comply with applicable laws and regulatory obligations (including laws outside your country of residence), such as those relating to anti-money laundering, sanctions and anti-terrorism; comply with legal process; and respond to requests from public and governmental authorities (including those outside your country of residence).
• Establish and defend legal rights; protect our operations or those of any of our group companies or business partners, our rights, privacy, safety or property, and/or that of our group companies, you or others; and pursue available remedies or limit our damages.

Due to the global nature of our business, for the purposes set out above we may transfer Personal Information to parties located in other countries.  For example, we may transfer Personal Information in order to process international travel insurance claims and provide emergency medical assistance services when you are abroad. We may transfer information internationally to our group companies, service providers, business partners and governmental or public authorities.  By providing Personal Information and other information to AIG, including through the AIG On-line Services, and/or by sending a communication to an "aig.com" e-mail address, you understand and consent to the collection, use, processing disclosure and transfer of such information in the United States and other countries or territories, which may not offer the same level of data protection as the country where you reside, in accordance with the terms of this Privacy Policy. Further, please note that any communication you send to an "aig.com" e-mail address will be routed through the United States.

AIG may make Personal Information available to :

• Our group companies
  Other AIG group companies may have access to and use of Personal Information in connection with the conduct of our business where appropriate.
• Other insurance and distribution parties 
  In the course of marketing and providing insurance and processing claims, AIG may make Personal Information available to third parties such as other insurers; reinsurers; insurance and reinsurance brokers and other intermediaries and agents; appointed representatives; distributors; affinity marketing partners; and financial institutions, securities firms and other business partners.
• Our service providers
  External third-party service providers, such as medical professionals, accountants, actuaries, auditors, experts, lawyers and other outside professional advisors; travel and medical assistance providers; call center service providers; IT systems, support and hosting service providers; printing, advertising, marketing and market research and analysis service providers; banks and financial institutions that service our accounts; third-party claim administrators; document and records management providers; claim investigators and adjusters; construction consultants; engineers; examiners; jury consultants; translators; and similar third-party vendors and outsourced service providers that assist us in carrying out business activities.
• Recipients of your social sharing activity
  Your friends associated with your social media account(s), other website users and your social media account provider(s), in connection with your social sharing activity, such as if you connect another social media account to your AIG On-line Services account or log into your AIG On-line Services account from another social media account. By connecting your AIG On-line Services account and your other social media account you authorize us to share information with your social media account provider and you understand that the use of the information we share will be governed by that other social media website’s privacy policy. If you do not want your Personal Information shared with other users or with your other social media account provider(s), please do not connect other social media accounts with your AIG On-line Services account and do not participate in social sharing using our AIG On-line Services.
• Providers of Internet-connected devices and associated software
  AIG may make the Personal Information you provide to us via our Apps available to providers of Internet-connected devices and/or associated operating systems and/or software as set forth in the terms of use and/or privacy policies you agree to with those providers

• Governmental authorities and third parties involved in court action 
  AIG may also share Personal Information with governmental or other public authorities (including, but not limited to, workers’ compensation boards, courts, law enforcement, tax authorities and criminal investigations agencies); and third-party civil legal process participants and their accountants, auditors, lawyers and other advisors and representatives as we believe to be necessary or appropriate: (a) to comply with applicable law, including laws outside your country of residence; (b) to comply with legal process; (c) to respond to requests from public and government authorities including public and government authorities outside your country of residence; (d) to enforce our terms and conditions; (e) to protect our operations or those of any of our group companies; (f) to protect our rights, privacy, safety or property, and/or that of our group companies, you or others; and (g) to allow us to pursue available remedies or limit our damages.
• Other Third Parties
  We may share Personal Information with payees; emergency providers (fire, police and medical emergency services); retailers; medical networks, organizations and providers; travel carriers; credit bureaus; credit reporting agencies; and other people involved in an incident that is the subject of a claim; as well as purchasers and prospective purchasers or other parties in any actual or proposed reorganization, merger, sale, joint venture, assignment, transfer or other transaction relating to all or any portion of our business, assets or stock.  
• Should you prefer, we will not disclose confidential personal information about you to non-affiliated third parties. You may opt out of those disclosures; that is, you may direct us not to make those disclosures (other than disclosures required or permitted by law). Should you wish to opt out of disclosures to non-affiliated third parties you may contact us by e-mail at Privacy@aig.com.

Personal Information may also be shared by you, on message boards, chat, profile pages and blogs, and other services to which you are able to post information and materials (including, without limitation, our Social Media Pages and Apps). Please note that any information you post or disclose through these services will become public information, and may be available to visitors who access the AIG On-line Services and to the general public. We urge you to be very careful when deciding to disclose your Personal Information, or any other information, on the AIG On-line Services.

AIG will take appropriate technical, physical, legal and organizational measures, which are consistent with applicable privacy and data security laws.  Unfortunately, no data transmission over the Internet or data storage system can be guaranteed to be 100% secure.  If you have reason to believe that your interaction with us is no longer secure (for example, if you feel that the security of any Personal Information you might have with us has been compromised), or if you have other data security questions or concerns related to AIG, please immediately notify us.  (See the "Who to Contact About Your Personal Information" section above.)

When AIG provides Personal Information to a service provider, the service provider will be selected carefully and required to use appropriate measures reasonably designed to protect the confidentiality and security of the Personal Information.

If we believe the security of your Personal Information in our possession or control may have been compromised, we may seek to notify you of that development. If a notification is appropriate, we would endeavor to do so as promptly as possible under the circumstances, and, to the extent we have your e-mail address, we may notify you by e-mail.

If you provide Personal Information to AIG regarding other individuals, you agree: (a) to inform the individual about the content of this Privacy Policy, and any other applicable AIG Privacy Notice provided to you; and (b) to obtain any legally-required consent of Personal Information about the individual in accordance with this Privacy Policy and other Privacy Notice.

We will provide you with regular opportunities to tell us your marketing preferences, including in our communications to you. You can also contact us by e-mail at  Privacy@aig.com to tell us your marketing preferences and to opt out.

If you no longer want to receive marketing-related e-mails from AIG on a going-forward basis, you may opt out of receiving these marketing-related emails by clicking on the link to “unsubscribe” provided in each e-mail or by contacting us at the above addresses. We will endeavor to comply with your opt-out request(s) within a reasonable time period. Please note that if you opt out as described above, we will not be able to remove your Personal Information from the databases of third parties with whom we have already shared your Personal Information (i.e., to those to whom we have already provided your Personal Information as of the date on which we respond to your opt-out request).  Please also note that if you do opt out of receiving marketing communications from us, we may still send you other important administrative communications from which you cannot opt out.

It is AIG’s policy to protect customer and employee Social Security Numbers that we collect in the course of our business as confidential. This includes maintaining physical and electronic security procedures to guard against unauthorized access to Social Security Numbers. In addition, we do not disclose Social Security Numbers to third parties, except where required or permitted by law.

Please contact us as set out in the “Who to Contact About Your Personal Information ” section above with any such requests or if you have any questions or concerns about how we process Personal Information.

“Other Information” is any information that does not reveal your specific identity, such as :

• Browser and device information;
• App usage data;
• Information collected through cookies, pixel tags and other technologies;
• Demographic information and other information provided by you; and
• Aggregated information 

How We Collect Other Information

We and our third-party service providers may collect Other Information in a variety of ways, including :

• Through your browser or device:   Certain information is collected by most websites or automatically through your device, such as your IP address (i.e., your computer’s address on the internet), screen resolution, operating system type (Windows or Mac) and version, device manufacturer and model, language, internet browser type and version, time of the visit, page(s) visited and the name and version of the AIG On-line Services (such as the App) you are using.  We use this information to ensure that the AIG On-line Services function properly. 
• Through your use of the App: When you download and use the App, we and our service providers may track and collect App usage data, such as the date and time the App on your device accesses our servers and what information and files have been downloaded to the App based on your device number.
• Using cookies; online tracking: Cookies are pieces of information stored directly on the device you are using. Cookies allow us to recognize your device and to collect information such as internet browser type, time spent on the AIG On-line Services, pages visited, language preferences, country website preference. We may use the information for security purposes, to facilitate navigation, to display information more effectively, or to personalize your experience while using the AIG On-line Services. In addition, we may use the information to gather statistical information about the usage of the AIG On-line Services in order to understand how they are used, continually improve their design and functionality, and assist us with resolving questions about them. Cookies further allow us to present to you the advertisements or offers that are most likely to appeal to you. We may also use cookies to track your responses to our advertisements and we may use cookies or other files to track your use of other websites. We do not respond to browser do-not-track signals at this time.
  
  Third parties may collect information about your use of the AIG On-line Services and your use of other websites or online services.
  
  Below is a description of some of the cookies we may use on the Site, what they do, what data about you they collect and what we may use them for: 
  
• Geo Location cookie  – When a visitor visits the Site for the first time we read their location from their IP address and use this information to  assume the country site that they want to visit. This method is not entirely accurate, however, so when they navigate to a particular country site we use a cookie to store this information and to store the language that they chose to view the site. The next time they visit the Site we read the cookie and present the same country and language version they used on their last visit. This has the intended benefit that they don’t need to reselect the country site they need each time they visit an AIG site.  No Personal Information is collected or used by the cookie.
• Site Catalyst cookie (by Adobe) – This cookie enables us to collect and analyze data about how visitors arrive at the Site and then how they interact with the Site, including products they may search, content they may view, and the steps leading up to a completed or abandoned sale.  We use this aggregated information to adapt the Site to better serve their and other users’ needs and interests, and to provide more relevant and useful information. The cookie is placed on a visitor’s PC on a temporary basis only.  The cookie does not collect or use their Personal Information. Instead, it logs an anonymous code which identifies users and this code “follows” the user in their journey through the Site.  We use the aggregated and anonymous information for statistical analysis.
• DoubleClick cookies - We place a tracking pixel cookie on to all Site visitors’ computers for the purpose of our banner advertising activity. We use these cookies to know that a visitor has been on the Site before which allows us to display an appropriate banner ad on to an affiliated network website. No Personal Information is collected.  One of the advertisement companies that we use is Google, Inc, trading as DoubleClick.  For more information on the DoubleClick cookie, or to opt out from the DoubleClick advertisement cookie please visit: http://www.google.com/privacy/ads/ .
• Affiliate cookie – We use a tracking pixel cookie, which is put on a visitor’s PC and collects only the transaction ID (which identifies the affiliated website the visitor has come from) and a time and date stamp.  This enables our affiliate network partners to track affiliated sales and ensure an affiliate is credited for a sale referred to us. It does not involve any passing of Personal Information. 
• Optimost cookie – Optimost is a service provided by Hewlett-Packard to analyze customer behavior when visiting the Site.  This service allows us to test variations of our website pages or elements within the pages.  The tests will usually result in improvements to the website and the user experience. The cookie has an anonymous “visitor ID” which is a random number generated to identify a visitor, to distinguish between unique and/or repeat visitors. These cookies do not collect Personal Information. To view the Optimost privacy policy, please visit: https://asp.optimost.com/avatar/privacy-policy .
• Oracle Cookie - We use the services of www.oracle.com to serve a persistent cookie on visitors’ browsers when they first visit our web pages, unless there is already an Oracle cookie on their browser because they have visited a non-AIG site which is also using Oracle’s services.  However, visitors’ browsing activity on our web pages will not be combined with visitors’ browsing behavior on other websites using Oracle’s services. We use visitors’ browsing activity on our web pages to understand which pages and content our visitors use or do not use so that we can monitor Site content to best meet our visitors' needs.  For further information please read the Oracle privacy policy.

You can refuse to accept the cookies we use by adjusting your browser settings. However, if you do not accept these cookies, you may experience some inconvenience in your use of the Site and some online products.

• Using pixel tags, web beacons, clear GIFs or other similar technologies: These may be used in connection with some AIG On-line Services and HTML-formatted e-mail messages to, among other things, track the actions of users of the AIG On-line Services and e-mail recipients across the devices they use, measure the success of our marketing campaigns and compile statistics about usage of the AIG On-line Services and response rates. In some instances, we may combine information collected through these technologies with your Personal Information.
  
  We use Adobe’s Omniture analytics service, which uses cookies and web beacons to help us understand more about how our website is used by consumers so we can continue to improve it. Adobe does not have the right to use the information we provide to them beyond what is necessary to assist us. For more information on Adobe’s Omniture service, including how to Opt out, go to https://www.omniture.com/privacy/policy#optout .
  
  We may use interest-based advertising service providers to customize, target, serve and report on AIG advertisements served across the web and mobile applications, based on information relating to our offline interactions with you, our online interactions with you (on any of your devices) and information received from third parties.  To do this, these service providers may use cookies, pixel tags and other technologies to collect information about your and other users’ use of the AIG On-line Services and third-party sites and mobile applications.  They may also use these technologies, along with information they collect about your online use, to recognize you across the devices you use, such as a mobile phone and a laptop.  Our service providers may also match personal information we provide to them with your IP address and serve AIG advertisements to you across the web, based on your IP address.  If you would like to opt out of having your information used for these purposes, visit the self-regulatory program opt-out pages at www.aboutads.info/choices/ or www.networkadvertising.org/managing/opt_out.asp to opt out in desktop and mobile web browsers on the particular device from which you access the opt-out options.  Download the AppChoices app at www.aboutads.info/appchoices to opt out in mobile applications.
  
• Using your Physical Location: We may collect the physical location of your device by, for example, using satellite, cell phone tower or WiFi signals. We may use your device’s physical location to provide you with personalized location-based services and content. We may also share your device’s physical location, combined with information about what advertisements you viewed and other information we collect, with our marketing partners to enable them to provide you with more personalized content and to study the effectiveness of advertising campaigns. In some instances, you may be permitted to allow or deny such uses and/or sharing of your device’s location, but if you choose to deny such uses and/or sharing, we and/or our marketing partners may not be able to provide you with the applicable personalized services and content. In addition, we may obtain the precise geolocation of your device when you use our mobile applications for purposes of providing travel or other assistance services to our clients who are enrolled in such services.  In connection with providing travel or other assistance services, and for purposes of developing and improving our actuarial and pricing tools and risk management programs for our commercial insurance clients, we may share your device’s precise geolocation information with our insurance clients and other entities with whom we work to provide our products and services.  You may opt-out of our collection and sharing of precise geolocation information by deleting the mobile application from your device, by disallowing the mobile application to access location services through the permission system used by your device’s operating system, or by following any additional opt-out instructions provided in the privacy notice available within the mobile application.
• Using information provided by you: Some information (for example, your location or preferred means of communication) is collected when you voluntarily provide it. Unless combined with Personal Information, this information does not personally identify you. 
• By aggregating information: We may aggregate and use certain information (for example, we may aggregate information to calculate the percentage of our users who have a particular telephone area code).

Please note that we may use and disclose Other Information for any purpose, except where we are required to do otherwise under applicable law.  If we are required to treat Other Information as Personal Information under applicable law, or if we combine Other Information with Personal Information, then, in addition to the uses listed in the “ Other Information We Collect ” section above, we may use and disclose Other Information for all the purposes for which we use and disclose Personal Information.

This Privacy Policy does not address, and we are not responsible for, the privacy, information or other practices of any third parties, including any third party operating any site or service to which the AIG On-line Services link.  The inclusion of a link on the AIG On-line Services does not imply endorsement of the linked site or service by us or by our group companies.

Please note that we are not responsible for the collection, usage and disclosure policies and practices (including the data security practices) of other organizations, such as Facebook, Apple, Google, Microsoft, RIM or any other software application developer or provider, social media platform, operating system or wireless service provider, or device manufacturer, including any Personal Information you disclose to other organizations through or in connection with the Apps or our Social Media Pages.

The AIG On-line Services are not directed to individuals under the age of eighteen (18), and we request that these individuals do not provide Personal Information through the AIG On-line Services.

We review this Privacy Policy regularly and reserve the right to make changes at any time to take account of changes in our business and legal requirements.  We will place updates on our website.

Please take a look at the “LAST UPDATED ” date at the top of this Privacy Policy to see when it was last revised.