Insurance Applicants and Insureds
We may use your personal information to consider your application for an insurance policy and related services or products or for other business purposes as allowed by law. We may use it to communicate with you, your representatives, and others to underwrite, assess and evaluate risk. We may further use your personal information to prevent and detect fraud, unauthorized transactions, or other financial crimes and to comply with applicable laws and regulations such as those relating to money laundering, sanctions and anti-terrorism or to satisfy other legal or regulatory requirements. We may also use personal information to collect and process your premium and other payments.
We may use your personal information to communicate with you, verify your identity, respond to your inquiries or complaints, and provide you with requested information or services. We may use personal information to send you important information and alerts about changes to our policies, information about our other products and services or for administrative purposes. We may also use your personal information for internal business operations such as auditing, finance and accounting, billing and collections, data management and security, and records management or other business purposes as allowed by law. Personal information may be used to respond to law enforcement requests, subpoenas and court orders, and to respond to requests from government authorities and regulators and to comply with applicable laws. We may also use your personal information if we believe it necessary to establish and protect our legal rights, protect our operations, privacy, safety or property, and/or that of our affiliate companies, you or others.
Claimants and Beneficiaries
If you are a claimant or beneficiary, we may use your personal to administer, investigate, litigate and/or potentially settle your claim. We may use your personal information to communicate with you, your representatives, and others to process your claim. We may further use your personal information to report, prevent and detect fraud, unauthorized transactions, or other financial crimes and to comply with applicable laws and regulations such as those relating to money laundering, sanctions and anti-terrorism or to satisfy other legal or regulatory requirements. Personal information may be used to respond to law enforcement requests, subpoenas and court orders, and to respond to requests from government authorities and regulators and to comply with applicable laws. We may also use your personal information if we believe it necessary to establish and protect our legal rights, protect our operations, privacy, safety or property, and/or that of our affiliate companies, you or others.
Applicants for Employment / Employees
If you are an applicant for employment or an employee, we may use your personal information to perform our legal and contractual obligations as an employer, to develop our business, and to improve the performance of the Company. Our use of your personal information includes determining the terms of your employment; confirming your legal right to work in the United States; confirming your residence; payroll processing; salary and benefits administration, including enrollment in various benefit plans; attendance monitoring, including vacation, absence and sick/leave administration; determining performance requirements; conducting regular performance reviews and assessments; managing performance records; assessment of qualifications and competencies; conducting the recruitment process, including interviews and testing; managing employee travel and expense report administration; processing termination; assuring network and information security; monitoring your use of company information systems; preventing fraudulent or criminal activities; investigating employment complaints; administering employee discipline; investigating and administering workers’ compensation claims; conducting data analytics studies; and other uses in accordance with Company policies and the law.
Independent Agents
If you are an agent or seeking an agency appointment, we may use your personal information to process your application, verify your identity, respond to your inquiries, and provide you with information about our company. We may use personal information to send you important information and alerts about changes to our policies, information about our other products and services or for administrative purposes. We may also use your personal information for internal business operations such as auditing, finance and accounting, billing and collections, data management and security, and records management or other business purposes as allowed by law. Personal information may be used to respond to law enforcement requests, subpoenas and court orders, and to respond to requests from government authorities and regulators and to comply with applicable laws. We may also use your personal information if we believe it necessary to establish and protect our legal rights, protect our operations, privacy, safety or property, and/or that of our affiliate companies, you or others.