Privacy & Security

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To provide our services as an insurer, Travel Insured International and United States Fire Insurance Company will collect and use personal information about you, including your name, age and contact details so that we can arrange insurance cover for you.  During the period of your insurance you may also provide special personal information (e.g. about your health) that may be used by Travel Insured and by U.S. Fire, so that we can process your insurance and deal with any claim you make.

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We may pass your personal information to third parties such as medical emergency providers, reinsurers, loss adjusters, sub-contractors and affiliates, who will use your personal information for processing your insurance and handling claims, as well as for the purposes described in our Privacy Notice.  Certain regulators may also require your personal information for their own purposes which are also described in our Privacy Notice.

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We may transfer your personal information to other countries which have limited or no data protection laws.  Any transfer will be made with appropriate safeguards in place to ensure your personal information is held securely.

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Any information you provide may be used by Travel Insured International and by U.S. Fire for crime prevention.

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We will not share your personal information with third parties for marketing purposes.

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You have the right to see the personal information we hold about you, and you must make this request in writing and give your full name and address.  You should send your request to [email protected].

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Your consent to our processing of your personal information in the way described in this Notice is necessary for us to be able to provide you with insurance cover, and the services required to fulfil our obligations to you, and you hereby consent to such processing.  You may withdraw your consent at any time, but if you do, we may be unable to provide services to you or process any claim.

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Where you are providing personal information about anyone other than yourself, you must provide them with this Notice and obtain their explicit consent as set out above.

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More information about how we use your personal information is set out in our Privacy Notice below. You can also request a copy of our Privacy Notice by contacting Frank Trigo at [email protected].

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When used throughout this document “The Company”, “Our”, “We”, or “Us” means:
United States Fire Insurance Company and Travel Insured International.

Your Privacy is Our Concern

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When you apply to The Company for insurance or make a claim against a policy written by The Company, you disclose information about yourself to us. The Company maintains physical, electronic, and procedural safeguards that comply with Privacy Laws to guard your personal information. We also limit employee access to personally identifiable information to those with a business reason for knowing such information. The Company instructs our employees as to the importance of the confidentiality of personal information, and takes measures to enforce employee privacy responsibilities.

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What kind of information do we collect about you and from whom?

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We obtain most of our information from you. The application or claim form you complete, as well as any additional information you provide, generally gives us most of the information we need to know. We may use information about you from other transactions with us or our affiliates. Depending on the nature of your insurance transaction, we may need additional information about you or other individuals proposed for coverage, and we may contact you by phone or mail to obtain this. We may also obtain the additional information we need from third parties, such as other insurance companies or agents, government agencies, medical personnel, the state motor vehicle department, credit reporting agencies, courts, or public records. A report from a consumer reporting agency may contain information as to creditworthiness, credit standing, credit capacity, character, general reputation, hobbies, occupation, personal characteristics, or mode of living.
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What do we do with the information collected about you?

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We may use automated systems to make decisions based on your personal information, such as setting premium, and this helps us to be fair and efficient. If coverage is declined or the charge for coverage is increased because of information contained in a consumer report we obtained, we will inform you, as required by state law or the federal Fair Credit Reporting Act. We will also give you the name and address of the consumer reporting agency making the report. We may retain information about our former customers and may disclose that information to affiliates and non-affiliates only as described in this notice.

We keep the information we collect for the minimum period allowed by law. You have the right to ask us to delete or stop using your personal information if there is no need for us to keep it, but we may not be able to provide you with products or services if we do not have the information we require.
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To whom do we disclose information about you?

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We may disclose all the information that we collect about you, as described above. We may disclose such information about you to our affiliated companies, such as:
Insurance companies;Insurance agencies;Third party administrators;Medical bill review companies; andReinsurance companies.

We may also disclose nonpublic personal information about you to affiliated and nonaffiliated third parties as permitted by law. You have a right to access and correct the personal information we collect, maintain, and disclose about you.
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Consent

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Your consent to our processing of your personal information in the way described in this Privacy Notice is necessary for us to administer your insurance policy and process your claim or enquiry, and you hereby consent to such processing. You may withdraw your consent at any time, but if you do, we may be unable to provide services to you or process any claim.

Where you are providing personal information about anyone other than yourself, you must provide them with this Privacy Notice and obtain their explicit consent as set out above.
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How to contact us

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You may obtain a more detailed description of the information practices prescribed by law by contacting us at the address below. Remember to include your name, address, policy number, and daytime phone number.
Privacy Policy Coordinator
Frank Trigo
[email protected]

Cookies

We use cookies on our website so that we can track how users interact with our site, and in order to enable us to evaluate and improve our site. We use this information to compile statistical data on the use of our website and to enhance the customer experience.

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A cookie is a small text file that is stored on your computer or mobile device when you visit a website. We use these to make a user's experience more efficient. The law states that we can store cookies on your device if they are strictly necessary for the operation of the site. For all other types of cookies we need your permission. On this website we use session and persistent cookies (necessary for the functioning of the site) and tracking cookies (to enable Google Analytics and other tracking tools to analyze how users interact with our site).

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Details of the cookies used on our website are provided below:

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Name -- Company -- Purpose

_gat_gtag_UA_537218_1 -- Google Analytics -- Collects anonymous information about behavior on our site

_ga -- Google Universal Analytics -- Collects anonymous information about behavior on our site

_gid -- Google Universal Analytics -- Collects anonymous information about behavior on our site

NSC_usbwfmjotvsfe.dpn -- Netscaler Citrix -- Used by the load balancer

liveagent_oref -- Salesforce LiveAgent -- Salesforce LiveAgent Chat

liveagent_ptid -- Salesforce LiveAgent -- Salesforce LiveAgent Chat

liveagent_sid -- Salesforce LiveAgent -- Salesforce LiveAgent Chat

liveagent_vc -- Salesforce LiveAgent -- Salesforce LiveAgent Chat

currentAgencyNumber -- Travel Insured -- Used to determine if the customer is associated with an agency

currentAgencyPath -- Travel Insured -- Used to specify the home page, particularly when a customer is using an agency

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Your consent applies to the www.travelinsured.com domain.

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We sometimes embed photos and video content from websites such as Vimeo and YouTube. Pages with this embedded content may present cookies from these websites.

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Similarly, when you use one of the share buttons on this website, a cookie may be set by the service you have chosen to share content through. We do not control the dissemination of these cookies and we will not block cookies from those websites. You should check the relevant third party website for more information about these.

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You can view our Privacy Statement above, which applies to all "data subjects" within the meaning of Regulation 2016/679 of the European Parliament and of the Council on the protection of natural persons with regard to the processing of personal data and on the free movement of such data ("GDPR").

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Security

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Travel Insured International strictly enforces security for all data collection and storage as described below.

VeriSign for Secure Data Transmission

To protect all customer information transmitted through our website, we use advanced 128-bit Secure Socket Layer (SSL) encryption provided by VeriSign. VeriSign, the recognized industry leader since 1995, continues to lead the SSL certificate industry as a member of the CA/Browser Forum, a standards-making body focused on high-assurance SSL certificates.

Authorize.Net for Secure Credit Card Transactions

All of our online credit card transactions are processed through Authorize.Net, an industry-leading provider of secure, reliable Internet-based payment solutions. Authorize.Net is a Payment Card Industry Data Security Standard (PCI DSS) compliant service provider and is audited yearly to confirm that it remains in compliance with the PCI DSS. The PCI DSS is a proprietary information security standard for organizations that handle branded credit cards from the major card brands including Visa, MasterCard, American Express, Discover, and JCB.

Secure Data Center

All data that Travel Insured collects is stored on secure computers in a locked-down data center. We use firewalls and additional security technology, and we consistently maintain the highest industry-standard security practices.

For questions about our data security, please contact us at 1‑800‑243‑3174 or [email protected].