Privacy

Last updated: November 2021

United States Fire Insurance Company t/a Crum & Forster and its affiliates (collectively, “Crum & Forster”)1 are committed to the responsible management, use and protection of the personal information it obtains as part of its business of providing, producing and servicing insurance products, including underwriting, policy administration, insurance claims adjusting, production, appraisal and loss control services. This Online Privacy Policy describes how we collect, use and share the personal information collected when using Crum & Forster’s websites (“Site”), mobile applications and other third-party sources, including advertising and social media pages (collectively, “C&F Services”). This Online Privacy Policy only applies to personal information collected through the Site and C&F Services unless an affiliate has a different privacy policy, in which case that privacy policy shall describe that affiliate’s collection, use and sharing of personal information. It does not replace privacy notices you receive for specific business relationships you have with us.

Please read this Policy carefully before using this Site. This Policy is incorporated into and subject to the Terms of Use www.cfins.com/legal-notice/. BY ACCESSING OR USING THE SITE, YOU CONSENT TO THE COLLECTION, USE, AND SHARING OF YOUR INFORMATION AS SET FORTH IN THIS POLICY

Changes to this Policy

Crum & Forster may make changes to this Online Privacy Policy at any time. Changes will be effective once posted to the Site. You understand and agree that your use of the Site or C&F’s Services means that the collection, use and sharing of your Personal Information is subject to the updated policy. Except to the extent we receive your authorization or as permitted or required by applicable law, we will handle your data in accordance with the terms of the Policy in effect at the time of the collection.

What Types of Personal Information We Collect

Nonpublic Personal Information (“Personal Information”) is information that identifies or could reasonably identify you as an individual. Crum & Forster limits the collection, disclosure and use of Personal Information to what is needed to properly underwrite, service and administer its insurance products and/or to fulfill legal or regulatory requirements. If you apply for a job opportunity through our Site, Personal Information may include information about your work and education histories and other similar personal information you offer in support of your job application. Depending on your relationship with us, Personal Information at times may include information that can identify you, including but not limited to your name, address, driver’s license number and other contact information, application/quote/claim information, relationship to a policy holder/insured/claimant, customer service requests and at times government issued identification numbers such as Social Security Number and financial information such as payment card number. If you apply for a job or register with our Career Center, we may also collect personal information that includes but may not be limited to your education and employment history, passwords on our systems, ethnic origin, and professional licenses and affiliations.

How We Collect Your Personal Information

Crum & Forster collects personal information in a variety of ways and depending on the relationship that you have with us.

From You

We may collect Personal Information from you when needed to underwrite, service and administer insurance products. If you are a job candidate, we may collect Personal Information from you through our Career Center.

From Cookies and Similar Technology

Cookies

We may use technologies such as cookies, which automatically collect certain information from you.

A cookie is a small file stored on the device you are using to access C&F Services. This file uniquely identifies and recognizes your browser or device and transmits information back to the server. Depending on the cookie type, it may perform functions such as remembering your preferences, improving the quality of your visit, recording the website pages you view, remembering the name or address you entered during a visit, or delivering ads that are targeted to your interests and browsing activity.

We use essential cookies on our website to improve the Site’s functionality and analytics cookies to understand how you use the Site, improve its functionality and for other related purposes. We also use advertising/marketing cookies on the Site to help us with our marketing activities.

IMPORTANT: By using the Site, you consent to the processing of any personal information for the analytics purposes and functions described above.

Embedded Content

The Site contains embedded content (e.g., videos). Embedded content may place third party cookies on your device that track your online activity to enhance your experience or assess the success of their application. We have no direct control over the information these cookies collect, and you should refer to their website privacy policy for additional information.

Controlling cookies

You may control cookies, including preventing or stopping the installation and storage of cookies, through your browser settings and other tools. Most browsers will allow you to block or refuse cookies. However, you may need to manually adjust your preferences each time you visit a site. For more information, see the Help section of your browser. Please note that if you block certain cookies, some of the services and functionalities of our Site may not work.

Statistical Data

As is true of most websites, we gather some PI automatically and store it in log files. This information may include the Internet Protocol (IP) address, browser type, language, internet service provider (ISP), referring and exit page, operating system, and date/time stamp. In addition to the purposes above, we use this PI to understand and analyze trends, to administer the Website, to learn about user behavior on the Website, and to gather demographic information about our user base as a whole.

To monitor use of the Website and improve its quality, we may compile statistical information concerning the use of the Website through analytics services, such as those provided by Google Analytics. Examples of this information may include: the number of visitors to the Website or to sections or pages within the Website, patterns of traffic flowing through the Website, length of time spent on the Website, or in sections or pages of the Website, the other sites that refer visitors to the Website, the pages of the Website that visitors frequently use as entry and exit points, utilization of the browser and operating systems and versions used by visitors to the Website. We also may use this PI in our marketing and advertising services.

How We Use and Share Personal Information

Crum & Forster limits the collection, disclosure, and use of Personal Information to only what is needed to properly produce, underwrite and service its insurance products, fulfill legal or regulatory requirements, and operate this Site and C&F Services. Crum & Forster collects Personal Information to conduct its business of producing, underwriting, servicing and administering its insurance products, and operating this Site and C&F Services including:

  • To enable your use of this Site and C&F Services.
  • To communicate with you, including sending messages about the availability of our Site and C&F Services, security, or other service-related issues. (You may change your communication preferences at any time. Please be aware that you cannot opt-out of receiving service messages from us, including security and legal notices.)
  • To provide requested services such as providing a quote, processing claims, and completing transactions.
  • To perform research.
  • To send you information we believe may interest you.
  • For business activities.
  • To inform you of job opportunities and consider your qualifications.
  • As necessary or appropriate to protect the rights, property, security, and safety of us, our employees, our consumers, our information systems, and the public.
  • To comply with the law and statutory reporting requirements.
  • To detect and prevent fraud and other crimes.
  • To evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by us is among the assets transferred.

Safeguarding Your Privacy

We employ reasonable and appropriate administrative, physical and technical measures designed to protect the security of Personal Information we collect from you. Access to non-public personal information is limited to those employees, and authorized representatives, attorneys and service providers who specifically need such information to conduct their business responsibilities. However, no system for safeguarding personal or other information is 100% secure and although we have taken steps to protect your personal information from being intercepted, accessed, used or disclosed by unauthorized persons, we cannot fully eliminate security risks associated with personal information. If you conclude your relationship with C&F, C&F will continue to safeguard your privacy in accordance with the standards described in this policy.

The privacy of communication over the internet cannot be guaranteed. If you are concerned about the security of your communication, we encourage you to send your correspondence through the postal service or use the telephone to speak directly to us.

Links to Third Parties’ Sites and Third-Party Integrations

We may provide links to websites or resources outside of our Site for informational purposes only. We may also provide links to third party integrations. Third party integrations are websites or platforms that synchronize with our Site to provide you with additional functionality, tools, or services such as maps, sending requested information, etc. You acknowledge and agree we are not responsible for the availability of third party sites, resources, or integrations and do not endorse and are not responsible or liable for any content, advertising, goods, services or other materials on, available through, or provided by such sites, resources, or integrations. We are not responsible for the privacy or other practices of such sites and cannot guarantee the security of personal information that you provide, or is collected by, such sites. We encourage you to review the privacy policies and terms and conditions on those linked sites.

Applicable law

This Policy is governed by the internal substantive laws of New Jersey without regard to its conflict of laws principles. Jurisdiction for any claims arising under or out of this Privacy Policy shall lie exclusively with the state and federal courts within New Jersey. If any provision of this Policy is found to be invalid by a court having competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of this Policy, which shall remain in full force and effect.

Do Not Track

“Do Not Track” is a privacy preference that you can set in your Internet search browser that sends a signal to a website that you do not want the website operator to track certain browsing information about you. However, because our Site is not configured to detect Do Not Track signals from a user’s computer, we are unable to respond to Do Not Track requests. We do not track Site users over time and across third party websites.

Information on Children

The Site is not directed to children as the products and services on this Site are intended for persons 13 years of age and older. We do not knowingly collect, use or disclose any personal information from children. If we learn that personal information of persons less than 13 years-of-age has been collected through our Site, we will take the appropriate steps to delete this information.

FOR CALIFORNIA RESIDENTS ONLY:

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Contact Information. If you have any questions concerning our Privacy Policy, please contact us at the appropriate address below. We will attempt, where practical, to respond to your request and to provide you with additional privacy-related information.

Crum & Forster
Attn: General Counsel
P.O. Box 1973
305 Madison Avenue
Morristown, NJ 07962
[email protected]

¹ C&F and Crum & Forster are registered trademarks of United States Fire Insurance Company.