Privacy Policy

Effective Date: 7/1/2019

THIS PRIVACY NOTICE DESCRIBES HOW THE HILB GROUP LLC, ITS AFFILIATES AND SUBSIDIARIES (“WE”, “US”) MAY COLLECT INFORMATION THROUGH THE WEBSITES AND APPS OFFERED BY US ABOUT YOU, AND HOW WE HANDLE AND PROCESS THAT INFORMATION.

This privacy notice applies to all of the online services, websites and apps offered by The Hilb Group, LLC (collectively, the “Services”), but excludes Services which have separate privacy notices that do not incorporate this privacy notice.

The Hilb Group, LLC is committed to the highest level of integrity in all our dealings with our clients, employees and service partners. This commitment extends to any personal information about our website visitors that we might possess or acquire. The Hilb Group, LLC is committed to respecting personal privacy, and safeguarding individual record confidentiality and system security. Accordingly, The Hilb Group, LLC and its affiliates adhere to the following Privacy Guidelines and Principles.

1. Personal Information We Use

We may collect personal information about you from a variety of sources, including information we collect from you directly (e.g., when you contact us) and from other sources, described below.
Note that we may be required by law to collect certain personal information about you, or as a consequence of any contractual relationship we may have with you.

1. Information we collect directly from you

Depending on the online service, website or app that you are using, the categories of information that we may collect directly from you include:

a. personal details (e.g., name, date of birth);
b. contact details (e.g., phone number, email address, postal address or mobile number);
c. government issued identification details (e.g., social security and national insurance numbers, passport details);
d. health and medical details (e.g., health certificates);
e. policy details (e.g., policy numbers and types);
f. bank details (e.g., payment details, account numbers and sort codes);
g. driving license details;
h. online log-in information (e.g., username, password, answers to security questions);
i. information relating to any claims;
j. other information we receive from you on applications or required questionnaires (e.g., occupation, current employer); and

We do collect personal information about your online activities over time and across third party websites or online services. When we see a browser set to “do not track”, signals transmitted from web browsers do not apply to our sites, and we do not alter any of our data collection and use practices upon receipt of such a signal.

2. Information we collect from other sources

The categories of information that we may collect about you from other sources are:

a. personal details (e.g., name, date of birth);
b. contact details (e.g., phone number, email address, postal address or mobile number);
c. bank details (e.g., account numbers and sort codes);
d. financial information from consumer-reporting agencies for the purpose of ascertaining credit history; and
e. policy details (e.g., policy numbers and types).

We may receive such information via other insurers, consumer-reporting agencies, our affiliated companies, or other third parties in the course of conducting our business.

3. Sensitive personal information

We may also collect certain information about you which is considered more sensitive under local applicable laws, such as:

a. health, biometric or disability information required to administer policies or process claims.

4. Children and our services

We do not knowingly collect online information from children under the age of 13. Our services are directed towards adults. If we are notified that we have collected personal information, as defined by the Children’s Online Privacy Protection Act (“COPPA”), of a child under the age of 13, we will delete the information as expeditiously as possible.

 

2. How We Use Your Personal Information and the Basis on Which We Use It

We may use your personal information to:

a. provide, maintain, protect and personalize our services including our insurance products, consulting and broking services;
b. deal with your enquiries and requests;
c. perform system administration and to report aggregate statistical information to our advertisers;
d. cooperate with regulators and law enforcement bodies;
e. contact you with marketing and offers relating to products and services offered by us (unless you have opted out of marketing, or we are otherwise prevented by law from doing so);
f. personalize the marketing messages we send you to make them more relevant and interesting and to customize and enhance your website or app experience;
g. resolve complaints, as well as handle requests for data access or correction;
h. protect your, our or others’ rights and interests; and
i. communicate with you regarding your account or changes to our policies, terms and conditions.

If you would like to discuss or exercise such rights, as applicable under local law, please contact us at the details below.

3. Information Sharing

We may share your personal information with the following third parties for the purposes described in this privacy notice under the following circumstances:

    • Service providers and business partners. We may share your personal information with our service providers and business partners that perform marketing services and other business operations for us. For example, we may partner with other companies to process secure payments, fulfill orders, optimize our services, send newsletters and marketing emails, support email and messaging services and analyze information.
    • Our group companies. We work closely with other businesses and companies that fall under The Hilb Group, LLC, its affiliates and subsidiaries. We may share your personal information with other The Hilb Group, LLC companies for marketing purposes (subject to applicable laws or regulations), internal reporting and other purposes as described in this privacy notice.
    • Law enforcement agency, court, regulator, government or quasi-governmental authority or other third party. We may share your personal information with these parties where we believe this is necessary to comply with a legal or regulatory obligation, to enforce or apply any agreements between us and you, to resolve any disputes, or otherwise to protect our rights or the rights of any third party.
    • Asset purchasers. We will not sell your personal information to third parties other than to the extent reasonably necessary to proceed with the consideration, negotiation, or completion of a merger, reorganization, or acquisition of our business, or a sale, liquidation, or transfer of some or all of our assets. Should such a sale or transfer occur, we will use reasonable efforts to try to ensure that the entity to which we transfer your personal information uses it in a manner that is consistent with this privacy notice.
    • Online ad technology firms. Our website uses third-party services such as Google Analytics, a service which places beacons, cookies or tags on our site and transmits website traffic data to Google servers. Google Analytics does not identify individual users or associate your IP address with any other data held by Google. We use reports provided by Google Analytics to help us understand website traffic and web page usage. To find out more about how Google uses data when you use our Site and your options for controlling the information collected by Google from this Site, please click here. You may opt-out of having your activity on the Site made available to Google Analytics by installing the Google Analytics browser add-on, available here.

4. Information Security and Storage

We implement technical, organizational, administrative and physical measures to help ensure a level of security appropriate to the risk to the personal information we collect, use, disclose and process. These measures are aimed at ensuring the on-going integrity and confidentiality of personal information. We evaluate these measures on a regular basis to help ensure the security of the processing. Please be aware that, despite our ongoing efforts, no security measures are perfect or impenetrable.

5. Links to Other Sites

We may provide links to other websites not owned or controlled by us that we think might be useful or of interest to you. We are not, however, responsible for the privacy practices used by other website owners or the content or accuracy contained on those other websites. Links to other websites do not constitute or imply endorsement by us of those web sites, any products or services described on those websites or any other material contained in them. We advise that you contact any third-party websites directly for their individual privacy policies.

6. California Privacy Rights

Under California’s “Shine the Light” law, California residents who provide personal information in obtaining products or services for personal, family, or household use are entitled to request and obtain from us, once a calendar year, information which includes a list of all third parties to which The Hilb Group, LLC has disclosed personal information, as defined in California Civil Code Section 1798.83 during the preceding year, if any, with other businesses for their own direct marketing uses. If applicable, this information would include the categories of customer information and the names and addresses of those businesses with which we shared customer information for the immediately prior calendar year. California residents may request this information in writing by contacting us by email at info@hilbgroup.com. In your request, please attest to the fact that you are a California resident and provide a current California address for your response. Please allow up to thirty (30) days for a response.

7. Contact Us

The Hilb Group, LLC which provides each Service is primarily responsible for the personal information collected in relation to that Service. A general description of The Hilb Group, LLC capabilities and their contact information under About Us.

For any questions regarding the privacy policy please contact info@hilbgroup.com.

We encourage you to contact us to update or correct your information if it changes or if the personal information we hold about you is inaccurate. We will contact you if we need additional information from you in order to honor your requests.

 

8. Changes to the Privacy Notice

You may request a copy of this privacy notice from us using the contact details set out above.

We reserve the right to make changes to our Privacy Policy at any time consistent with applicable laws. Such changes, as long as they do not have a fundamental impact on the nature of our processing of your personal information or otherwise have a substantial impact on you, will be posted on this page. We encourage you to review the Web site and the Privacy Policy in particular periodically for any updates or changes. Where changes are made to this privacy notice that, in our sole discretion, will have a fundamental impact on the nature of our processing of your personal information or otherwise have a substantial impact on you, we will notify you via email to the email address that you have provided us.