This Privacy Policy and Notice (“Policy”) describes how Chubb Bermuda Insurance Ltd., and our Bermuda based brands, affiliates, and subsidiaries (“Chubb,” “we,” “us” and “our”) collect, use, and disclose your information, including Personal Information, when you visit our websites, including www.chubb.com (the “Sites”), download our mobile applications, or use any of our products or services that link to or otherwise reference this Policy (collectively, the “Services”). This Policy does not apply to any non-Chubb Bermuda websites or mobile applications that you may access via the Services. Those websites and services are governed by the privacy policies that appear on those sites and applications. Depending upon your relationship with us, you may receive other privacy notices from us providing additional detail about our privacy practices.
Your use of the Services is subject to this Policy and the Chubb Terms of Use , including applicable terms of limitations on liability and the resolution of disputes.
We collect information that identifies, describes, or is reasonably capable of being associated with you (“Personal Information”). For the purposes of this Policy, Personal Information does not include publicly available information, such as information from government records that are available to the public, information we have a reasonable basis to believe is lawfully made available to the general public by you or by widely distributed media, or deidentified or aggregated information.
As described below, we collect Personal Information directly from you, automatically through your use of the Sites and Services, and from third-party sources. To the extent permitted by applicable law, we may combine the information we collect from publicly available or third-party sources. The Personal Information we collect varies based on your relationship with us.
Personal Information We Collect Directly From You
In order to access certain Services, we may collect Personal Information directly from you. The Personal Information you provide directly to us may include:
Personal Information We Collect Automatically
As described below in the “Cookies and Other Tracking Mechanisms” section, when you visit our Sites or use our Services, we may automatically collect certain Personal Information, including:
Personal Information We Collect from Other Sources
We may collect information about you through our affiliates, business partners, and vendors, including from administrators, adjusters, agents, brokers, or other representatives. For example, we may collect information about your policies, including coverage or claim information, through these sources. We may also receive information from consumer reporting agencies, including motor vehicle reports or information about your credit or creditworthiness, and from other, publicly available sources. We may collect information including medical, payroll, or other health or financial information from third parties such as health care providers or employers for claims adjudication purposes.
We may use the Personal Information we collect for the following purposes:
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.
When permitted by applicable law, including in cases that require your consent, we may disclose your Personal Information to our affiliates, business partners, vendors and services providers, and others as follows:
We also may disclose your Personal Information in the following circumstances:
We and our third-party service providers use cookies, pixels, tags, and other similar tracking mechanisms to automatically collect information about browsing activity, type of device and similar information within our Services and to target advertising and content across our Services and third-party sites and services. We use this information to, for example, analyze and understand how users access, use and interact with others through our Services, as well to identify and resolve bugs and errors in our Services and to assess, secure, protect, optimize and improve the performance of our Services.
Cookies. “Cookies” are alphanumeric identifiers we transfer to your device’s hard drive through your web browser for tracking purposes. Some cookies allow us to make it easier for you to navigate our Services, while others are used to enable a faster log-in process, support the security and performance of the Services, or allow us to track activity and usage data within our Service.
Clear GIFs, Pixel Tags, and Other Technologies. In addition to cookies, we may also use pixel tags (sometimes called web beacons or “clear GIFs”) to collect information about you and your use of our Services. While cookies are stored locally on your device, pixel tags are embedded invisibly within web pages and online content. We may use these, in connection with our Services to, among other things, track the activities of users, help us manage content and compile usage statistics. We may also use these in HTML e-mails we send, to help us track e-mail response rates, identify when our e-mails are viewed, and track whether our e-mails are forwarded.
Third-Party Analytics and Tools. We use third party tools, such as Google Analytics, which are operated by third party companies. These third-party analytics companies may collect usage data (using cookies, pixels, and similar tools) about our Services in order to provide us with reports and metrics that help us evaluate usage of our Services, improve our Sites, and enhance performance and user experiences. To learn more about Google’s privacy practices, please review the Google Privacy Policy at https://www.google.com/policies/privacy/partners/. You can also download the Google Analytics Opt-out Browser Add-on to prevent your data from being used by Google Analytics at https://tools.google.com/dlpage/gaoptout.
Cross-Device Tracking. We and our third-party providers may use the information that we collect about you within our Services and on other third-party sites and services to help us and these third parties to identify other devices that you use (e.g., a mobile phone, tablet, other computer, etc.).
Targeted Advertising. We work with third parties, such as ad networks, channel partners, mobile ad networks, analytics and measurement services and others ("Advertising Providers") to personalize content and display advertising within our Services. We and our Advertising Providers may use cookies, pixels tags, session replay and other tools to collect information within our Services such as IP address, location information, device ID, cookie and advertising IDs, and other identifiers, as well as browsing information such as web pages, videos and other content accessed by you. We and our Advertising Providers use this information to provide you more relevant ads and content within our Services, and to evaluate the success of such ads and content.
Do Not Track. We do not currently respond to web browser “Do Not Track” signals.
Our Services are not designed for children, and we do not knowingly collect Personal Information from children under the age of fourteen (14), except from such child’s legal guardian for provision of employee benefits to dependent children. If we learn that we have received information directly from a child who is under the age of 14, we will delete such information from our systems. If you are a parent or legal guardian and you believe we have collected your child’s information in violation of applicable law, please contact us using the contact information below.
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 may offer blogs, online forums or other interactive features in connection with our Services that enable you to share information about the Services or other issues of interest. You should be aware that any communications you submit or post to any such interactive features on the Services may be viewable by other participants or users. By submitting or posting to such interactive features you acknowledge and agree that you have no expectation of privacy or confidentiality in the content you submit for such features, whether or not it contains Personal Information about you.
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.
We have implemented safeguards designed to protect Personal Information from loss, misuse, and unauthorized access, disclosure, alteration, and destruction. Please be aware that despite our efforts, no data security measures can guarantee security.
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.
You have certain rights regarding Chubb Bermuda’s use and disclosure of your Personal Information. You have the right to request access to your Personal Information, to request information about the purposes for which your Personal Information is used, and to request information about Chubb Bermuda’s disclosure of your Personal Information. If there is an error or omission in your Personal Information, you have the right to request correction of your Personal Information. Additionally, you may have the right to prevent any further use or disclosure of your Personal Information, or request deletion of your Personal Information. Chubb Bermuda may, in certain circumstances, refuse to grant any such request. If that happens, we will tell you why your request is refused. If you believe your request has been improperly handled, you have the right to make a complaint to the Bermuda Privacy Commissioner.
You also have the right to opt-out of use of your personal information for marketing or advertising purposes.
If you have any questions about this Privacy Policy, the ways in which we collect and use your Personal Information, your choices and rights regarding such use, or wish to exercise your privacy rights, contact us at:
Chubb Bermuda
Attention: Bermuda Privacy Officer, Legal and Compliance Department
17 Woodbourne Avenue
Hamilton HM08 Bermuda
Telephone: 1-441-295-5200
E-mail: BMPrivacy@chubb.com
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.