What is personal information?

“Personal information” generally means any information that can be used, either alone or in combination with other information, to identify an individual. This includes information such as your name, mailing address, e-mail address, telephone number, or any other contact details. It may also include other types of more technical information, but only when this information can identify you as an individual, such as your IP address, the device you use to access our website or app and details on your usage of our website or app. Information that is anonymized and cannot be associated with an identifiable individual is not considered to be personal information.

Why we collect and use personal information

We collect and use personal information to establish and manage our relationship with you, provide you with personalized products and services, manage our business, and comply with legal and regulatory requirements.

To establish and manage our relationship

We collect and use personal information to establish and maintain our relationship and provide you with the products and services you have requested.

• We need to confirm who you are and verify the information you have provided to us: We will ask for your name, address, telephone numbers (including mobile), email address, and date of birth, and may ask for other forms of identification such as a valid driver’s license, passport or a recent utility bill. We may also ask for certain biometric information, like a fingerprint or a voiceprint to securely verify your identity. For fulfillment clients, we need to collect the signing officers’ names and other personal details.
• We need to communicate with you: We may communicate with you by phone, fax, mail, email, SMS text message or other electronic means to provide you with information related to the products and services you hold with us.
• We may need information about related parties to establish and manage our relationship with you: In some circumstances, we may need information about your spouse, legal guardian, beneficiaries or personal representatives.
  
  

To provide you with personalized products and services

We collect and use personal information to provide you with personalized products and services and information about products and services that may be of interest to you.

• We collect and use information to personalize your experience with us, including: to better understand your needs and preferences including through data analytics; to personalize your experience on our websites and mobile applications; to provide you with tailored communications and offers.
• We collect and use information to provide you with marketing communications: We may contact you by phone, fax, mail, email, SMS text message or other electronic means about new products and services, offers, events and promotions. Our communications may be tailored based on information that we have about you.
• If you sign-up to receive electronic messages (such as emails and SMS text messages) from the i-Claims , we will send you communications about our products and services, offers, events, and other valuable information. We may also send you information about the products and services of i-Claims that may be of interest to you.
• i-Claims is present on social media platforms, such as Facebook, Instagram, and X (Twitter). When you interact with our social media accounts, for example, if you “like” our page or make comments, we may collect certain information about you, such as any information you may provide in the comments you publish on our account page and the direct messages you send us. The information we collect depends on what these social media platforms share with us based on the privacy settings you have selected. We suggest you consult the privacy policies of these social media platforms to learn more.
• We may also use services provided by third-party platforms (such as social networking and other websites) to serve relevant i-Claims advertisements on such platforms to you and others. We may provide a de-identified version of your email address to the platform provider for such purposes.
  
  

To manage our business

We collect and use personal information to operate and manage our business and business relationships. 

• We collect and use information to prevent and detect fraud and criminal activity and secure our premises: We may ask you for any additional information required to investigate matters, settle any claim or report a matter to the appropriate authorities.
• We collect and use information to manage our business relationships: For example, we collect personal information from employees or other representatives of our suppliers and contractors that is necessary for them to do business with us.
• We use and analyze the information we collect to better understand our clients, improve our products and services, and to prevent and detect fraud.
  
  

To comply with legal and regulatory requirements

We are required to collect and use personal information to meet legal and regulatory requirements.

• We collect and use personal information that may be required by applicable legal or regulatory requirements.