LAST UPDATE: March 02, 2021
Your privacy is very important to us. We believe that privacy is a sensitive issue and that your personal information is solely yours for disclosure. We have never sold your personal information in the past and currently have no plans to do so.
In November 1999, the United States Congress enacted the "gramm-leach" bliley (glb act) financial services modernization law. This law modernizes financial institutions in the United States of America by enabling new business combinations between previously unaffiliated financial industries such as banks and insurance companies. This federal law included a number of changes that affected financial institutions, including Title v, that enacts important new requirements to protect the privacy of consumer and customer information as of July 1, 2001.
Glb protects non-public personal information from consumers seeking to obtain a financial product or service for personal or family purposes. Protections extend not only to individuals who become policyholders (customers) of AIG Insurance Company - Puerto Rico, but also to consumers, who request or request information about our products and services, but do not become customers of AIG Insurance Company - Puerto Rico.
If you have any questions about our use of your Personal Information, you may send an email to: email@example.com or write to: AIG Insurance Company – Puerto Rico, PO BOX 10181, San Juan, PR 00908-1181.
Depending on your relationship with us (for example, as a consumer policyholder; insured policyholder or claimant; witness, business broker or assigned representative, or another person in connection with our business), personal Information collected about you and the persons in your care may include:
General identification and contact information
Your name , address, email and telephone details, sex, marital status, family situation, date of birth, passwords, educational level, physical attributes, activity records (such as transit history), photos, work history, skills and experience, professional licenses and affiliations, relationship with the policyholder, insured or claimant, and the date and cause of death, injuries or disabilities.
Identification numbers issued by government agencies or agencies
Social Security Number, passport number, military identification number, driver's license number or other license number.
Financial information and accounting details
Payment card number, bank account number and account details; credit history and credit score; assets, income; and other financial information.
Medical condition and health status
Physical or mental illness, or medical condition (current or former), health status, information about injuries or disabilities, medical procedures performed, personal habits (e.g. smoking or alcohol consumption), prescription drug information, and medical history.
Other confidential or private information
In certain cases, we may receive confidential or private information about your union membership, religious beliefs, family medical history, or genetic information (for example, if you apply for insurance through a business partner that is a commercial, religious, or political organization). In addition, we may obtain information about your criminal history or history of civil litigation during the fraud prevention, detection, and investigation process. We may also obtain confidential or private information if you voluntarily provide it (for example, if you express your preferences regarding medical treatment based on your religious beliefs).
Recordings of phone calls to our representatives and call centers.
Information to investigate crimes, including fraud and money laundering
For example, insurers routinely share information about their previous relationships with policyholders and claimants for this purpose.
Information that allows us to offer products and services
Location and identification of insured goods (e.g. property address, license plate or vehicle identification number), travel plans, age categories of the people you wish to insure, policy and claim numbers, details of coverage/risk, cause of loss, history of accidents or losses, your status as a director or partner, or property or management interests in an organization, and other insurance you have.
Marketing and customer response preferences
You can let us know your marketing preferences, enter a contest or sweepstakes or other sales promotions, or respond to a voluntary customer satisfaction survey.
We use this Personal Information to:
- Communicate with you and others as part of our business.
- Send you important information about changes to our policies, other terms and conditions, the Site and other administrative data.
- Make decisions about the possibility of offering insurance, providing insurance and assistance services (including the evaluation, processing and settlement of claims) and, where appropriate, managing claims disputes.
- Determine your eligibility for payment plans, and process your premium and other payments.
- Provide improved quality, training and security (e.g. with respect to recorded and monitored phone calls to our contact numbers).
- Prevent, detect and investigate crimes, including fraud and money laundering, and analyze and manage other business risks.
- Conduct research and market analysis, including satisfaction surveys.
- Provide you with marketing information (including information about other products and services offered by selected partners) in accordance with your preferences.
- Personalize your experience on the Site by presenting the information and advertising tailored to you.
- Identify you to the people you send messages to through the Site.
- Manage our infrastructure and business operations, and comply with internal policies and procedures, including audits, finance and accounting, billing and collection, IT systems, data and website hosting, business continuity, and record, document, and print management.
- Resolve complaints and process 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 the fight against money laundering and terrorism; comply with legal processes, 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 the group companies or partners of the insurance business, our rights, privacy, security or property, and/or those of the group's companies, you or others; obtain available compensation or limit damages.
Given the international nature of our business, for the purposes indicated above we may transfer Personal Information to entities located in other countries (including the United States and other countries that have a different data protection regime than the country where you are headquartered). For example, we may transfer Personal Information to process international travel insurance claims and provide emergency medical assistance services when you are abroad. We may transfer information internationally to our group of companies, service providers, business partners and government or public authorities.
AIG may make personal information available to:
Companies in our group
For a list of AIG group companies that can access and use Personal Information, see: www.aig.com. AIG is responsible for the administration and security of Jointly Used Personal Information. Access to Personal Information at AIG is limited to those individuals who have the need to access the information to perform our activity.
Other insurers and distributors
In the development of the marketing and offering of insurance, and in the processing of claims, AIG may make Personal Information available to third parties, such as other insurers, reinsurers, insurance brokers and reinsurance agents and other intermediaries and agents, designated representatives, distributors, business partners by affinity and financial institutions, securities companies and other business partners.
Our third-party service providers
Third-party service providers, such as medical professionals, accountants, actuaries, auditors, experts, lawyers and other professional external advisors; travel and medical care providers; call center service providers; IT systems, support and hosting service providers; providers of printing, advertising, marketing and market research, and analytics services; banks and financial institutions serving our accounts, third party claims managers; document and record management providers; claims investigators and adjusters; construction consultants, engineers, inspectors, legal advisors, translators, and other vendors and third-party service providers who help us conduct business.
Government authorities and third parties involved in legal action
AIG may also exchange Personal Information with governmental or other public authorities (including but not a few other workers' compensation boards, courts, police, tax authorities and criminal investigation agencies), and third parties involved in civil legal proceedings and their accountants, auditors, lawyers and other advisers and representatives, as we believe it is necessary or appropriate : (a) to comply with applicable laws, including laws outside your country of residence; (b) to comply with legal processes; (c) to respond to requests from public authorities and the government, and to respond to requests from public authorities and the government outside their country of residence; (d) to enforce our terms and conditions; (e) to protect our operations or those of our group companies; (f) to protect our rights, privacy, security or property and/or those of our group companies, you or others; and (g) to allow us to obtain available resources or limit the damage we may suffer.
Other third parties
We may share Personal Information with beneficiaries, emergency providers (firefighters, police and emergency medical services), physician networks, travel operators, credit bureaus, credit reporting agencies, and others involved in an incident that is the subject of a claim, as well as buyers and potential buyers or other parts of a reorganization, merger, sale, joint venture , assignment, transfer, or any other transaction, actual or proposed, in connection with all or part of our business, assets or shares. To verify the information provided, and to detect and prevent fraudulent claims, Personal Information (including details of injuries) may be entered into claims records and exchanged with other insurance companies. We may search for these records when claims are processed to detect, prevent, and investigate fraud.
Personal Information may also be shared by you, on message walls, discussion groups, profile pages and blogs, and on other services on the Site where you may post information and materials. Please note that information you post or disclose through these services will become public information and may be available to visitors to the Site and the general public. We insist that you be very careful when deciding to disclose your Personal Information, or other information, on the Site.
AIG will take the corresponding technical, physical, legal and organizational measures related to the privacy and security laws of the data. Unfortunately, no data transfer over the Internet or data warehouse system can guarantee to be 100% secure. If you believe that your interaction with us is no longer secure (for example, if you believe that the security of a Personal Information you may share with us may be compromised), please notify us immediately. (See the previous section: "Who to Contact in Connection with Your Personal Information.")
When AIG provides Personal Information to a service provider, it will be carefully selected and must use appropriate measures to protect the confidentiality and security of Personal Information.
We will provide you with regular opportunities to inform us of your marketing preferences, including in our communications with you. You can also contact us by email at firstname.lastname@example.org or by writing to: AIG Insurance Company – Puerto Rico, PO BOX 10181, San Juan, PR 00908-1181 to inform us of your marketing preferences and options.
If you no longer wish to receive commercial messages from AIG on a permanent basis, you may choose not to receive these commercial messages by clicking on the "unsubscribe" link in all emails or by contacting us at the addresses listed above.
Our goal is to fulfill your request to unsubscribe within a reasonable time. However, it should be noted that if you choose not to receive correspondence, as described above, we will not be able to remove your Personal Information from the third-party databases with which we have already shared your Personal Information (i.e., to whom we have already provided your Personal Information at the date of your unsubscribe request). Please note that if you choose not to receive commercial messages, we may still send you other important administrative communications that cannot be cancelled.
In some countries, a person may have the right to access, correct, object to its use, or request its deletion or deletion, for certain reasons. Please contact us as set out in the previous section "Who to Contact in Connection with Your Personal Information" for any of these needs or if you have questions or concerns about how we process Personal Information. Please note that certain Personal Information may be exempt from rights of access, correction, opposition, deletion or deletion, in accordance with local laws.
“Other Information" is any information that does not reveal your specific identity, such as:
Internet Browser Information.
Information collected throught cookies, pixel tags and other technologies.
Demographic information and other information you provide to us.
Other information we collect
We and our third-party service providers collect Other Information in several ways, including:
Through Your Internet Browser:
Most websites collect certain information, such as your IP address (i.e. computer address on the Internet), screen resolution, operating system type (Windows or Mac) and version, type of Internet browser and version, time of visit and pages visited. We use this information for purposes such as calculating site usage levels, helping diagnose server problems, and administering the Site.
One of the advertising companies we use is Google, Inc., which trades under the name DoubleClick. To cancel the DoubleClick advertising cookie, please visit: www.doubleclick.com/privacy/index.aspx. You can refuse to accept other cookies that we use by adjusting your browser settings. However, if you do not accept these cookies, you may experience some drawbacks in your use of the Site and some online products.
Use of pixel tags, visitor counters, clear GIFs or other similar technologies:
These may be used in connection with some pages of the Site and HTML format messages to, among other things, track the actions of Site users and email recipients, measure the success of our business campaigns, and compile statistics on site usage and response rate..
Some of the information (e.g. your preferred location or means of communication) is obtained when you voluntarily provide it. Unless combined with your Personal Information, this information does not personally identify you.
We may collect and use certain information (for example, information may be gathered to calculate the percentage of users who have a particular telephone area code).
Please note that we may use and disclose Other information for any purpose, unless otherwise required to do so under applicable law. If we are required to treat other information as Personal Information in accordance with applicable law, then, in addition to the uses indicated in the "Other Information We Collect" section above, we may use and disclose the Other Information for all purposes for which we may use and disclose Personal Information.
The Site is not intended for use by persons under twenty-one (21) years of age, and we ask that these individuals do not include Personal Information on the Site.