EFFECTIVE DATE: July 20, 2020
Our Privacy Notice explains how we use your personal data, describes the categories of personal data we process and for what purposes. We are committed to collecting and using such data fairly and in accordance with the requirements of the GDPR. By using Online Shipping Insurance Services, in any way accessing InsureShip.com, or using other services of Online Shipping Insurance Services (collectively the Services), you are accepting the practices described in this Policy. This Policy does not apply to the practices of companies that Online Shipping Insurance Services does not own or control, or to people that we do not employ or manage.
1. What information we’ll hold about you
By “information” we mean all the personal and financial information about you that we collect, use, share and store as it relates to providing the shipping insurance paid for. The information we hold will vary according to the account and relationship you have with us or our third party that is offering our services through their platform.
Find out more information about the kinds of personal information we hold about you.
It can include but isn’t limited to:
- Information about your identity and contact details (e.g. your name, date of birth, home address, phone number, email address, current and previous countries of residence/citizenship, a copy of identification documents (such as a passport or driving license) and information to allow us to check your identity).
- Unique identifiers and reference numbers that we or others have allocated to you (e.g. account numbers, online usernames).
- Your financial and payment information, including where relevant, details of transactions with us and other organizations.
- Information needed to validate and process any claim such as the sales invoice or an affidavit.
- How you access and use our website or other digital services (e.g. your IP address, your location and the device and software being used).
- The profile information we create by analyzing your account to determine
2. Where we collect information from
We collect information directly from you and others.
We obtain information:
- Directly from you, for example in claim form, emails, mail, phone calls, and conversations with our agents or adjuster.
- Through conversations on social media.
- By observing how you use our services, or those of other members of our industry, for example from the transactions and claims made within the cargo insurance industry, where this information is available.
- From other people who know you including our partner platform customer service agents.
- From your use of our websites or claim forms, including through cookies that collect information on your internet use.
3. Why we need the information and what we use it for
Data Protection law requires us to have one or more of the following reasons for using your information:
- 'Contract performance’ – the information needed to deliver your account, product or service, e.g. we’ll need to hold your transaction history to give you an account statement.
- 'Legal obligation’ – we are required by law to process your information, e.g. to verify your identity.
- 'Legitimate interest’ – we’re allowed to use your information where, on balance, the benefits of us doing so are legitimate and not outweighed by your interests or legal rights e.g. we have an interest in knowing what our customers do and don’t like so we can offer better products and services
- 'Consent’ – in some cases we may obtain your consent to use information in a particular way or where the law requires consent to be obtained, e.g. if you consent to us recording something about your health so we can improve the way we communicate with you. Whenever ‘consent' is the only reason for us using the information you have the right to change your mind and change or withdraw your consent.
Online Shipping insurance Services takes every precaution to protect our users and members Sensitive Information, both online and offline. Your Sensitive Information is password-protected for your privacy and security. Sensitive Information is encrypted and is protected online with the best encryption software in the industry - SSL.
Sensitive Information is also protected offline in our offices. Only employees who need the information to perform a specific job (for example, a billing clerk or member services representative) are granted access to Sensitive Information. Furthermore, all employees are kept up-to-date on our security practices and changes in those practices. Finally, the servers that we store Sensitive Information on are kept in a secure environment. If you have any questions about the security at our website, you can send an email to us at dataprotection@insureship.com.
These are the main ways we will use your information (and the reasons for doing so):
Policy Issuance
(Contract performance; Legal obligation)
The law requires us to obtain the identity of our an individual or company that wish to insure their parcel so we may create a policy for that individual. This is for the protection of the individual or company and is required to complete the transfer of risk to our company under our insurance coverage offered.
We are also legally required to ensure that each claim is valid and our agent or adjuster will use the information to process the claim to ensure the validity of the claim filed and to ensure the appropriate individual/entity will receive notices or payment for their claim.
We’ll also check that you meet the criteria to receive the service we’re offering.
Policy Management
(Contract performance; Legal obligation)
We’ll use your information to manage any policy or relationship you have with us, in line with the terms of that arrangement and the rules of our regulators. Examples of this are:
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Administering your account including:
- authorizing payments to and from you;
- keeping an accurate history of transactions and sending you account statements; and
- communicating with you about your account and your relationship with us, including notifying you of changes to your policy coverage, limits or charges.
- Helping to resolve any problems or complaints you may have, or fixing errors.
- Closing your account.
To do this, we'll use your contact details, the payment details that you have provided to us and your location data to enable us to verify locations at which payments are made for fraud prevention purposes. If you have consented to it, we will also use mobile location services and your IP address to identify you for security and fraud prevention.
We might also share this information with third parties who help us to verify your contact details and provide our services, such as our payment providers, subcontractors, platform partners that offer our coverage and our Underwriter and regulators as required to carry out the our service.
Regulatory Compliance
The law requires us to screen applications and to monitor accounts to help combat insurance fraud. We also have a legitimate interest in avoiding losses caused by financial crime such as fraud. We may also share information with law enforcement agencies and other regulatory bodies or government departments to comply with legal obligations.
We may check and share relevant information held by us (such as your contact details and claim information) with fraud prevention agencies, credit reference agencies, law enforcement and other government agencies our Underwriters and regulators for the purpose of preventing, detecting and prosecuting financial crime.
To do that, we'll use any information you have given us, that we have obtained from a third party, or that we have obtained by looking at how you use our services, including name, address, date of birth, every country of residence/citizenship, personal identification (which may include passport ordriving license number) your IP address. This might include information about your location, which helps to detect and prevent fraud.
To Manage Your Account with Third Parties or Platform Partners
(Legitimate interest)
We'll give information to and receive information from third party or platform partners who have introduced you to us, so that we can provide you with our services and manage our relationships with those third parties (i.e. resolving any issues brought up to the third party that can only be resolved with us directly). Active and former customers will occasionally receive information on products, services, special deals, and a newsletter.
To do this, we'll use information about services offered through the third party or platform partner and information about coverage details as it applies to the policy or any claim that may be filed with us.
4. Who we share information with
When using the information we hold, we may share it with other people or organizations.
We’ll treat the information we hold as confidential and may share information with the following who are also required to keep the information confidential, safe and secure:
- Our Underwriters at the Navigator Group and The Hartford.
- Other companies, platform partners, agents and professionals who provide services and administrative support to the Online Shipping Insurance Services Inc.
- The companies, organizations and professionals who provide other services to you and perform functions on our behalf. Examples include fulfilling orders, delivering packages, sending postal mail and e-mail, removing repetitive information from member lists, analyzing data
- Anyone we may transfer our rights and duties under any arrangement to.
- Anyone else with your permission
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We may also share information we hold with the following types of organization:
- Fraud prevention agencies.
- Regulators, authorities and their service providers (e.g. the Department of Insurance or the local agents).
- Law enforcement agencies.
We’ll retain information for no longer than is necessary to manage your relationship with us and to comply with regulatory requirements in the insurance industry and this will mean that we’ll continue to hold some information for a period of time after your account has closed or our relationship has ended, for example where required by a regulator, for active or potential legal proceedings, to resolve or defend claims, or for making remediation payments. In the event a claim is filed against the policy, we are required to hold information regarding a claim for the current year and the preceding four years after which the information will be removed.
If you would like any further information about how long we hold your information, please contact our us by email at dataprotection@insureship.com or by mail at Data Protection Inquiry 3221 W. Cahuenga Blvd 2nd Floor Los Angeles, CA 90068.
We'll communicate with you about products and services we are delivering using any contact details you have given us – for example by mail, email, text message, social media and notifications on our website.
Where you have given us consent to receive marketing, you can withdraw consent, and update your marketing preferences by email, mail or phone. You may also update your contact preferences by email, mail or phone.
6. Your legal rights in relation to your information
The law guarantees you rights in relation to your information. We have set out details of your rights below under individual headings. Click on these to find out more.
Objecting to Us Using Your Information
We have told you about the ways in which we use the information we hold.
You can object to our processing of your information. When you make an objection we’ll have up to one month to respond to you. We'll stop using the information in this way unless we disagree that we should because of a compelling legal justification for continuing to use it. We’ll always tell you what the justification is.
Remember, you can always simply opt out of receiving marketing communications at any time. You can do this by contacting us in the usual way.
Information Access
You always have the right to ask whether or not we hold information about you. And if we do, what the information is, why we’re holding it, the ways it’s being used, who we share it with, how long we keep it for and whether it has been used for any automated decision making. You’re also entitled to a copy of the information. You can make a request for access free of charge either by email, letter, in person, online or over the phone.
Rectification of Information
We always want information we hold to be up to accurate and up to date. If any of the information we hold is incorrect or out of date, then please let us know and we’ll correct it.
You have the right to ask us to erase or delete information where you consider there is no longer any justification for us holding it, either because:
- The information is no longer needed for the reason we collected
- We held and used the information based only on your consent, which you have now withdrawn.
- You have previously objected to a way in which we use information.
- We have been using the information unlawfully.
- There is a legal obligation on us to erase the information.
When you make a request for information to be erased we’ll have up to one month to respond. If we reject your request we'll tell you and set out the reasons why we’ll not erase or delete the information. You may contact us at dataprotection@insureship.com or call us at 800-756-3499 to request data erasure.
Information Portability
You have the right to get some of your information that you provided from us in a machine readable format.
Restriction of Uses of Information
In certain circumstances you have a right to block or limit the use of information by us. This may arise where:
- You have challenged the accuracy of the information we hold and we are verifying this.
- You have objected to a use of information (see above) and we are considering whether your objection is valid.
- We have been using your information unlawfully but you want us to continue to hold the information rather than erase it (See "Erasure of Information" above).
- We no longer need to keep the information but you have asked us to hold it because of legal claims you’re involved in.
7. Children’s Online Privacy Protection
Online Shipping Insurance Services serves general users of the World Wide Web. We support and comply with the Children's Online Protection Act (COPPA) and we do not knowingly collect information from children under the age of 13, nor do we share such information with third parties. Children under the age of 18 may use InsureShip.com only with the involvement of a parent or guardian.
8. Special Notification for California Residents, Your California Privacy Rights
Individual customers who reside in California and have provided their personal information to InsureShip.com may request information about our disclosures of certain categories of personal information to third parties for their direct marketing purposes. Such requests must be submitted to us using InsureShip.com online contact form. Within thirty days of receiving such a request, we will provide a list of the categories of personalinformation disclosed to third parties for third-party direct marketing purposes during the immediately preceding calendar year, along with the names and addresses of these third parties. This request may be made no more than once per calendar year. We reserve our right not to respond to requests submitted other than to the address specified in this paragraph.
9. Notification of Changes
If we decide to change our Policy, we will post these changes on our Homepage or provide other notification of our revised Policy so our users and members are always aware of what information we collect, how we use it, and when we disclose it.
10. Our Cookie Policy
What is a Cookie?
A cookie is a packet of information that your internet connected devices’ web browser exchanges with a webpage.
It helps keep track of visits and activity to a web page and provide tailored content to you. An example is where many online retailers use cookies to keep track of the items in a user’s shopping cart as they move around the site. Without cookies, the shopping cart would reset every time a link on the site was clicked.
They may also keep a record of the most recent visit or record your login information. Many people find this useful so that they can store passwords on frequently used sites, or simply so they know what they have visited or downloaded in the past.
Different types of cookies keep track of different activities. There are two types;
- Session cookies are used only when a person is actively navigating a website
- Persistent cookies which may be used to create long-term records of multiple visits to the same site. Authentication cookies track whether a user is logged in, and if so, under what name.
We may also use web beacons or spotlight tags. These are transparent image files used to understand how users interact with the pages and content on the pages of our web site. We do not use web beacons to collect information about specific users.
Third Parties
We may work with third parties to research certain usage and activities on our website on our behalf. No personal information about you is shared except to the extent it is required to be used by a third party or parties for providing such research, and in the course of conducting this research we, and/or these third parties may place a unique "cookie" on your browser.
Consent
We are allowed to store cookies on your device if they are strictly necessary for the operation of our sites. For all other types of cookies we need your permission.
You can at any time change or withdraw your consent from the Cookie Declaration on our website. You can find guidance on how to do this through your devices’ browser at www.AboutCookies.org. Please be aware that some aspects of our website may not work properly if you choose to not to use certain cookies.
The cookies we use on our website
Strictly Necessary Cookies
These cookies enable services you have specifically asked for.
They are essential in order to enable you to move around the website and use its features, such as accessing secure areas of the website. Without these cookies services you have asked for, like forms and online filing, may not work properly.
Performance Cookies
These cookies collect anonymous information on the pages visited.
These cookies collect information about how visitors use a website, for instance which pages visitors go to most often, and if they get error messages from web pages. These cookies don’t collect information that identifies a visitor. All information these cookies collect is aggregated and therefore anonymous. It is only used to improve how a website works.
Functional Cookies
These cookies remember choices you make to improve your experience. These cookies allow the website to remember choices you make (such as your username, language or the region you are in) and provide enhanced, more personal features. These cookies can also be used to remember changes you have made to text size, fonts and other parts of web pages that you can customize. The information these cookies collect may be anonymized and they cannot track your browsing activity on other websites.
Targeting & Advertising Cookies
These cookies are used to deliver adverts more relevant to you and your interests. They are also used to limit the number of times you see an advertisement as well as help measure the effectiveness of the advertising campaign. They are usually placed by advertising networks with the website operator’s permission. They remember that you have visited a website and this information is shared with other organizations such as advertisers. Quite often targeting or advertising cookies will be linked to site functionality provided by the other organization such as advertisers.