Chartis U.S.
Privacy and Data Security Notice
I. Your Privacy
In the course of conducting business, we collect information about you in order to properly service the products we sell to you. Accordingly, Chartis U.S. has established practices, procedures and system protections that are designed to help protect the privacy and security of your information.
About This Notice
The term “Personal Information,” as used in this Privacy and Data Security Notice, means information that identifies you, our Customer, personally. Examples of Personal Information include a first and last name, a home or other physical address, an email address, a credit card number, a driver’s license number, or information on your physical condition or health status.
This Privacy and Data Security Notice outlines how we collect, handle, and disclose Personal Information about you. It applies only to your Personal Information obtained by the Companies listed at the end of this Notice, in connection with products or services with which you received this Notice which are primarily for personal, family, or household purposes in the United States.
Information Collection
We may collect Personal Information about you from applications, enrollment forms, your other interactions with us, our Affiliates, and when we process claims or other transactions in connection with the underwriting process. We may also collect Personal Information about you from credit reporting agencies and other third parties in connection with the sale of our products to you.
We will collect Personal Information about you only in accordance with applicable laws or regulations or in response to your request for a product or service from us.
Information Sharing
We may share your Personal Information with Affiliates and Non-Affiliates as described below.
With our Affiliates: We may share customer information with our Affiliates. Our Affiliates may include other insurance companies, insurance holding companies, insurance agents and agencies, claims administrators, marketing companies, e-commerce service providers, and companies providing administrative services.
With Non-Affiliates: We may also share customer information with Non-Affiliated companies.
1. We may share your Personal Information with Non-Affiliates that assist us in servicing your insurance policies. Examples are administration (billing and collections), risk management, underwriting, and claims handling. We may also share your Personal Information with Non-Affiliates for the purpose of detecting and preventing fraud, as directed or authorized by you, or as otherwise permitted or required by law.
2. We may enter into joint marketing agreements with Non-Affiliates to share your non-health Personal Information as permitted by law. These Non-Affiliates may include providers of financial products or services such as insurance companies, financial institutions, and securities firms.
Because we do not share customer information in any other way, there is no need for an opt-out process in our privacy procedures.
For California and Vermont Residents: If it becomes necessary to share your Personal Information with Non-Affiliates other than as specifically allowed by law, we will not do so without first obtaining your permission.
II. Information Protection
We maintain physical, electronic, and procedural safeguards designed to protect your Personal Information. Only authorized employees, insurance agents and administrators are permitted to have access to that information.
We expect any Non-Affiliates that serve our Customers on our behalf to adhere to our privacy policy. Those non-affiliates are legally bound to use your Personal Information received from us only for the purposes for which it was provided and to not disclose it or use it in any other way. These Non-Affiliates are also subject to and governed by federal and state privacy laws and regulations. We are not responsible for their misuse of information.
To help prevent unwarranted disclosure of your Personal Information and secure it from theft, we utilize secure computer networks. Access is restricted to those individuals who need to use your Personal Information to provide products or services to you.
III. Maintaining Information
We also maintain procedures to ensure that the information we collect is accurate, up-to-date, and as complete as possible. If you believe the information we have about you in our records or files is incomplete or inaccurate, you may request that we make additions or corrections, or if it is feasible, that we delete this information from our files. You may make this request in writing to (include your name, address and policy number):
Chief Privacy Officer
Chartis U.S.
175 Water Street, 17th Floor
New York, NY 10038
Fax: 212 458-7081
E-Mail:CIPrivacy@chartisinsurance.com
Special Notice: You can obtain access to any non-public Personal Information we have about you if you properly identify yourself and submit a written request to the address above describing the information you want to review. We will also tell you the identity, if recorded, of persons to whom we have disclosed your non-public Personal Information within the preceding two years. You may request that we correct, amend or delete any information about you. If we do so, we will notify organizations that provided us with that information and, at your request, persons who received that information from us within the preceding two years. If we refuse to correct, amend or delete the information, you may give us a written statement of the reasons you disagree, which we will place in your file and give to the same parties who would have been notified of the requested change.
Our Customers Can Depend on Us
We are committed to maintaining our trusted relationship with our Customers. We consider it our privilege to serve our Customers’ insurance and financial needs and we value the trust they have placed in us. Our Customers’ privacy is a top priority with us and thus we will continue to monitor our privacy practices in order to protect and respect that privacy and will comply with state privacy laws that require more restrictive practices than those set out in this notice.
Important Information Concerning the Applicability and Future Changes to this Privacy and Data Security Notice
Although we may change this Privacy and Data Security Notice at any time, you will be notified of any changes as required by law.
AIG Casualty Company; American Home Assurance Company; American International South Insurance Company; Audubon Insurance Company; Commerce and Industry Insurance Company; Granite State Insurance Company; Illinois National Insurance Co.; National Union Fire Insurance Company of Pittsburgh, Pa.; New Hampshire Insurance Company; The Insurance Company of the State of Pennsylvania; AIG Excess Liability Insurance Company Ltd.; American International Specialty Lines Insurance Company; Landmark Insurance Company; Lexington Insurance Company; National Union Fire Insurance Company of Vermont, other member companies of Chartis U.S., and American International Life Assurance Company of New York and AIG Life Insurance Company.
Essential Health
Insurance underwritten by National Union of Pittsburgh, Pa., a Pennsylvania insurance company, with its principal place of business at 70 Pine Street, New York, NY 10270 is currently authorized to transact business in all states and the District of Columbia. NAIC No. 19445.
The Discount Medical Plans are provided by Patriot Health Florida, Inc., a discount medical plan organization. The features are not health insurance policies and are not available in all areas. The features provide discounts at certain health care providers for medical services and do not make payments directly to the providers of medical services. The member is obligated to pay for all health care services but will receive a discount from those health care providers who have contracted with Patriot Health Florida, Inc., located at 160 Eileen Way, Syosset, New York 11791. 800-292-3797 .These plans are not available inAK, FL, MT, ND, OK, SD and VT. Coming soon in FL and OK.
THIS DISCOUNT PLAN IS NOT INSURANCE. THIS IS NOT A MEDICARE PRESCRIPTION DRUG PLAN*. This plan provides discounts at certain health care providers for medical services. The range of discounts will vary depending on the type of provider and service. The plan does not make payments directly to the providers of medical services. Plan members are obligated to pay for all health care services but will receive a discount from those health care providers who have contracted with the discount medical plan organization. Before purchase, you may access a list of participating health care providers at www.myessentialhealth.com. Upon request the plan will make available a written list of participating health care providers. You have the right to cancel within the first 30 days after receipt of membership materials and receive a full refund, less a processing fee not to exceed the amount permitted by your state.
National Union Fire Insurance Company of Pittsburgh, Pa., assumes no responsibility or liability for any of the services provided by Third Parties. Questions or concerns about the services should be addressed directly to the providers.
Note to Texas Consumers: Regulated by the Texas Department of Licensing and Regulation, P.O. Box 12157, Austin, Texas 78711; telephone 800-803-9202 or 512-463-6599; website: www.license.state.tx.us/complaints. Note to Utah Residents: The discount programs are not protected by the Utah Life and Health Guaranty Association. * Medicare statements applies to MD residents when pharmacy discounts are part of the program.
On The Road Essentials
On the Road Essentials insurance is underwritten by National Union Fire Insurance Company of Pittsburgh, Pa., a Pennsylvania insurance company, with its principal place of business at 175 Water Street, 18th Floor, New York, NY 10038. It is currently authorized to transact business in all states and the District of Columbia. NAIC No. 19445. This is only a brief description of the coverage(s) available under policy series A30293NUFIC (in CO, FL & OR) A30329NUFIC and C11695DBG. The Policy will contain reductions, limitations, exclusions and termination provisions. Full details of coverage are contained in the Policy. If there is any conflict between the contents of this document and the Policy, the Policy will govern in all cases. Coverage may not be available in all states.
** Travel Guard provides traveler assistance through coordination, negotiation, and consultation using an extensive network of worldwide partners. Expenses for goods and services provided by third parties are the responsibility of the traveler. *** On the Road Essentials Discount Card Administrative services are provided by Nation Safe Drivers. National Union assumes no liability for the services provided by third parties.
Insurance underwritten by National Union of Pittsburgh, Pa., a Pennsylvania insurance company, with its principal place of business at 70 Pine Street, New York, NY 10270 is currently authorized to transact business in all states and the District of Columbia. NAIC No. 19445.
The Discount Medical Plans are provided by Patriot Health Florida, Inc., a discount medical plan organization. The features are not health insurance policies and are not available in all areas. The features provide discounts at certain health care providers for medical services and do not make payments directly to the providers of medical services. The member is obligated to pay for all health care services but will receive a discount from those health care providers who have contracted with Patriot Health Florida, Inc., located at 160 Eileen Way, Syosset, New York 11791. 800-292-3797 .These plans are not available inAK, FL, MT, ND, OK, SD and VT. Coming soon in FL and OK.
THIS DISCOUNT PLAN IS NOT INSURANCE. THIS IS NOT A MEDICARE PRESCRIPTION DRUG PLAN*. This plan provides discounts at certain health care providers for medical services. The range of discounts will vary depending on the type of provider and service. The plan does not make payments directly to the providers of medical services. Plan members are obligated to pay for all health care services but will receive a discount from those health care providers who have contracted with the discount medical plan organization. Before purchase, you may access a list of participating health care providers at www.myessentialhealth.com. Upon request the plan will make available a written list of participating health care providers. You have the right to cancel within the first 30 days after receipt of membership materials and receive a full refund, less a processing fee not to exceed the amount permitted by your state.
National Union Fire Insurance Company of Pittsburgh, Pa., assumes no responsibility or liability for any of the services provided by Third Parties. Questions or concerns about the services should be addressed directly to the providers.
Note to Texas Consumers: Regulated by the Texas Department of Licensing and Regulation, P.O. Box 12157, Austin, Texas 78711; telephone 800-803-9202 or 512-463-6599; website: www.license.state.tx.us/complaints. Note to Utah Residents: The discount programs are not protected by the Utah Life and Health Guaranty Association. * Medicare statements applies to MD residents when pharmacy discounts are part of the program.
On The Road Essentials
On the Road Essentials insurance is underwritten by National Union Fire Insurance Company of Pittsburgh, Pa., a Pennsylvania insurance company, with its principal place of business at 175 Water Street, 18th Floor, New York, NY 10038. It is currently authorized to transact business in all states and the District of Columbia. NAIC No. 19445. This is only a brief description of the coverage(s) available under policy series A30293NUFIC (in CO, FL & OR) A30329NUFIC and C11695DBG. The Policy will contain reductions, limitations, exclusions and termination provisions. Full details of coverage are contained in the Policy. If there is any conflict between the contents of this document and the Policy, the Policy will govern in all cases. Coverage may not be available in all states.
** Travel Guard provides traveler assistance through coordination, negotiation, and consultation using an extensive network of worldwide partners. Expenses for goods and services provided by third parties are the responsibility of the traveler. *** On the Road Essentials Discount Card Administrative services are provided by Nation Safe Drivers. National Union assumes no liability for the services provided by third parties.