Prospective Insureds/Principals and Insureds/Principals
We collect information about you so that we can underwrite, process insurance/surety transactions, administer or service your policy, and to operate our business. We collect personal information that we receive from you and we receive from others. Our goal is to limit the collection and retention of your personal information to what is necessary to provide you products or services and to operate our business. Please click here for further information about personal information we collect about prospective insureds and insureds.
Claimants and Beneficiaries
If you are a claimant or beneficiary making a claim under a policy/bond, we will collect your contact information along with claim details. Depending on the nature of your claim, we may collect personal information from you or others to administer your claim. Please click here for further information about what personal information we may collect about claimants and beneficiaries.
Prospective Insureds/Principals and Insured Persons/Principals
If you are a prospective insured/Principal, we may use your personal information to consider your application for an insurance policy or bond 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.
If you are an insured/principal, 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 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.
We consider your personal information to be confidential and so we limit our sharing outside of Old Republic Surety Company. In the course of conducting our business, there are circumstances in which we may disclose your personal information to others. We share your personal information only with your authorization or as otherwise permitted or required by law. When personal information is shared with another party to perform services on our behalf, we expect them to maintain the confidentiality of your personal information, to use the information only for the limited purpose for which it was shared and to abide by all applicable federal and state privacy laws. Such sharing may include:
Prospective Insureds/Principals and Insured Persons/Principals
You may also provide information through your use of technology when you access and interact with our website or mobile application(s) (“sites”) through your computer, tablet or mobile device. We may collect information you provide to us through forms on our sites such as applications and log in pages. In addition, we may also collect information about your visits so that you may access certain services and so that we may better understand the interests of those that visit our sites. If applicable, when you use our mobile applications or visit our sites from a mobile device, like a smartphone, we may also collect additional information from your device, including your location, device identifier, and information about your mobile network. We may use a variety of tracking technologies to collect this information, including without limitation the following
We may use third-party analytics services, like Google Analytics and Google Tag Manager, to collect, monitor and analyze visitor data (such as Browser Log Data, cookies and other tracking data), and trends for marketing optimization and to increase the functionality of our website and mobile applications. These services may track details about your online activities over time and across different websites. These services may also allow us and others to provide you with targeted advertisements or other content that you may be interested in based on your online activities.
The Google Analytics service tracks and reports website traffic and provides us insight into behavior information relating to visitor age, gender and interests. Google Analytics Demographics and Interest Reporting give us insight into behavior to help us understand browsing behavior and give you a better experience when you visit our website. You can opt-out of Google Analytics for Display Advertising and customize Google Display Network ads using the Ads Settings.
These third-party services have their own privacy policies addressing how they use such information. If you want to prevent your data from being used by Google Analytics, you may wish to take advantage of Google Analytics' currently available opt-outs for the web. We use Google Tag Manager to capture certain non-individually identifiable customer traffic data, including: time spent on page, pdf file downloads, video activity (plays, pauses, percent of video watched, etc.), scroll depth (how far down a webpage a user scrolls), and social actions taken on a website (shares and outbound links to social channels).
If you would like to learn more about targeted ads that may be based on your online activities, and the choices that you may exercise for certain sites and advertisers, you may wish to visit the Network Advertising Initiative at www.networkadvertising.org or the Digital Advertising Alliance at www.digitaladvertisingalliance.org.
“Do not track” is a technology that enables users to opt-out of tracking by websites they do not visit. We do not disclose personal information to third parties for their own marketing purposes. Additionally, we do not collect personal information from your online activities over time and across other websites or online services and we do not allow third parties to use these technologies on our sites. Because we do not use these technologies, we currently do not monitor, respond or take any action to web browser “do not track” signals or other similar mechanisms.
The security of your personal information is important to us, and we strive to implement and maintain reasonable, commercially acceptable, security procedures and practices appropriate to the nature of the information we store, to protect it from unauthorized access, destruction, use, modification, or disclosure. We restrict access to personal information about you to those employees who need to know the information in order to provide products and services to you. Unfortunately, no data transmission over the internet or electronic database can be guaranteed to be 100% secure. If you have reason to believe that your interaction with us is no longer secure, please immediately notify us in accordance with the “contact us” section below.
You are also responsible for taking reasonable steps to protect your personal information against unauthorized disclosure or misuse. We recommend you utilize the latest, updated version of your web browser. It is important that you create a strong password and protect against unauthorized access to your user name, password and your computer. You should not share your user name and password and be sure to log out and close your browser when you have completed your session.
Only persons that are the age of majority in your jurisdiction or older have permission to access our website or mobile applications. Our website and mobile applications are not designed for, or target to, children under the age of 13. We do not knowingly collect, use, or disseminate personal information from children. If you are a parent or guardian and you learn that your child has provided us with personal information, please contact us and we will promptly delete it. If we become aware that we have collected personal information from a child without verification of parental consent, we will take steps to remove that information from our servers as quickly as possible. If you believe that we might have any personal information from or about a child, contact us at firstname.lastname@example.org.
Our website and mobile applications are directed to residents of the United States. Residents of other countries should not use our websites or mobile applications. If however, you are located outside of the United States and chose to provide personal information to us please note that we transfer the information to the United States and treat the information there in a manner consistent with United States law. The data protection laws in the United States may differ from those of the country in which you are located, and your personal information may be subject to access requests from governments, courts, or law enforcement in the United States.
If you have any questions regarding our Privacy Notice or practices, please contact us at 844.754.2152 or send your written request to: email@example.com or Old Republic Surety Company, 445 S. Moorland Road, Ste. 200, Brookfield, WI 53005.