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Text Content

June 1, 2020

Due to travel restrictions, plans are only available with travel dates on or
after

Due to travel restrictions, plans are only available with effective start dates
on or after

;

Ukraine; Belarus; Moldova, Republic of; (North) Korea, Democratic People's Rep;
Russian Federation

Jamaica

Israel; Jamaica; Republic of Ireland; Northern Ireland;

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Legal Statement
 * Home
 * About
 * IMPORTANT PRIVACY NOTICE


IMPORTANT PRIVACY NOTICE

THIS NOTICE DESCRIBES HOW PERSONAL DATA AND MEDICAL INFORMATION ABOUT YOU MAY BE
USED AND DISCLOSED AND HOW YOU CAN ACCESS THIS INFORMATION. PLEASE REVIEW IT
CAREFULLY.

AWP USA Inc. and its subsidiaries, including Jefferson Insurance Company and AGA
Service Company d/b/a Allianz Global Assistance are committed to protecting your
privacy. By using our products, services or website, you consent to our
collection and use of your Personal Data as described in this notice (“Notice”).


DEFINITIONS

The below definitions apply to this Notice:

1. “Personal Data” means non-public personal information that identifies a
specific identified or identifiable person (“you”). An identifiable person is
one who can be identified by reference to an identifier (such as name) or other
factors specific to that person. Personal Data does not include publicly
available, de-identified, or aggregated data.

2. “Sensitive Data” means Personal Data about a person’s race or ethnicity;
political, religious, philosophical, ideological, or trade union memberships,
opinions, views or activities; medical or health conditions or protected health
information (“PHI”) as defined in the Health Insurance Portability and
Accountability Act of 1996 (“HIPAA”); genetic or biometric data; financial
account information (e.g. bank account number); government-issued ID numbers;
sexuality; or social security measures or administrative or criminal proceedings
and sanctions that are treated outside pending proceedings. Sensitive Data also
includes information we receive from a third party who treats and notes the
information as sensitive.

3. “Agent” means a third party that collects or uses Personal Data to perform
tasks on our behalf, or our underwriters.

4. “We/Us/Our” means one or more of AWP USA Inc., Jefferson Insurance Company
and AGA Service Company.

Privacy Practices. This Notice describes how we collect, use, and maintain
Personal Data. It also describes your and our rights.


1. NOTICE

We collect Personal Data from you, or from your agents, representatives,
suppliers and providers, or other party from whom you have authorized us to
collect it on your behalf. This may include:
(i) Identifiers and other identifying personal information (e.g. name, contact
information like address, email address, or other unique personal identifiers,
signature, date of birth, insurance policy numbers, education, employment
information and history);
(ii) billing or payment information (e.g. bank account or payment card number
and billing information);
(iii) information about your trip, event, or enrollment (e.g. agents, suppliers,
trip itinerary and plans; tuition and enrollment information);
(iv) information about your transactions or business with us or others (e.g.
personal information you provide us for us to generate quotes or to purchase
products, quote/purchase history, receipts, insurance EOBs);
(v) financial account information (e.g. account numbers, statements);
(vi) health information (e.g. health insurance information, disability
information, medical treatment history, invoices);
(vii) information about or related to any claim you make or other use of our
products (e.g. details of your loss, police reports, health/vital records,
professional or employment-related information) records of interactions,
communications and correspondence between you and us, including audio and
electronic information);
(viii) information about your websites and/or mobile application (e.g. browser
data, IP address, information about your interaction with a website,
application, or advertisement);
(ix) geolocation data (e.g. for use of location-based website or mobile
application customization or services);
(x) biometric information (e.g. fingerprinting required for insurance licenses);
(xi) protected class information (e.g. age, which may be used for purposes of
quoting, or disability which may be used in administration of your claim)
(xii) government-issued identification numbers (e.g. social security number,
driver’s license number, passport number); or
(xiii) any other information provided to us by you or on your behalf.

We may also collect Personal Data from consumer reporting agencies or fraud
databases (e.g. fraud reports). This data may be collected from forms, such as
enrollment or claim forms; by phone, website, email, fax, or correspondence; or
via cookies.

We may use the Personal Data we collect from any of the above categories to:
(i) to offer, market, sell, underwrite, or make available to you insurance or
assistance products or services;
(ii) to provide you with information or services for such products and services;
(iii) to service and administer your insurance, assistance, or other products
and services. This may include, for example: providing travel assistance or
concierge services, servicing and processing your policy or claims, conducting
quality or satisfaction surveys and assessments, keeping electronic or audio
records of our interactions and correspondence with you and documents sent and
received; and fraud prevention;
(iv) to arrange for the provision of services you request;
(v) to protect our legal rights or to respond to lawful requests by public
authorities, including to meet national security or law enforcement requirements
or as otherwise required by law; or
(vi) for purposes to which you’ve otherwise consented.

This may in some cases include disclosing your Personal Data to Agents. But,
such disclosures are only for the purposes described in this Notice, or for
everyday business purposes or as required or allowed by law (e.g. to process
transactions, maintain accounts, respond to court orders and legal
investigations, or report to credit bureaus). These Agents may be affiliated or
nonaffiliated, and may be located both inside and outside of the US. They may be
financial services providers (e.g. underwriting insurers). They may also be
non-financial companies (e.g. health service providers, travel service
providers, the agent/agency through whom you purchased, service providers
helping us with marketing or technology).

Should you be purchasing insurance on another’s behalf, we and the insurer may
require the personal information of the insured to provide and administer the
benefits of their plan. By providing the insured’s personal information at the
time of purchase, you are confirming that you have obtained the insured’s
consent to provide this personal information for this use.

Where we are subject to HIPAA, we must notify you of our duties and practices
with respect to PHI. Except as described here or allowed or required by law, we
will only use or disclose your PHI or health records with your prior express
consent. Under HIPAA, we may use and disclose your PHI for one or more of the
following purposes:
(1) monitoring the health care treatment you receive (e.g. we may send or
receive PHI to or from a doctor regarding your condition and treatment so we can
see that your treatment is appropriate);
(2) payment for health services (e.g. we may use your PHI to make payments to a
hospital that has treated you);
(3) to help run our company (e.g. we may use your PHI to conduct quality audits
of the services we provided to you. However, we may not use or disclose genetic
information about you for underwriting purposes); or
(4) for other purposes as required to administer your insurance or assistance
product (e.g. we may use PHI to determine coverage for a claim made under an
insurance policy).

We may also in some cases need to use or disclose information about you which
may include your PHI for one or more of the following purposes:
(1) for public health and safety issues;
(2) to comply with legal or regulatory requirements;
(3) to address or comply with workers’ compensation, law enforcement, or other
legal or government mandates or requests; or
(4) to respond to lawsuits or legal actions.

Cookies are text files on your computer. When you access our website or use our
mobile application, we use cookies, among other things, to collect data about
your web usage. We also use Google, Inc.’s Google Analytics and AdWords
services, iAdvize and Jacada’s chat and monitoring service, and other similar
third-party vendor services. These services use cookies to transmit your IP
address and other website navigation and Internet usage/network activity data
and device/browser-generated data, including regarding your browsing history and
your interaction with our and other websites, applications, and advertisements.
iAdvize also uses JavaScript to provide its chat and monitoring services. These
vendors may provide this data to us or store and/or aggregate this data to
analyze such usage and create reports for us. We, our affiliates and our Agents
use such data and reports for our own business purposes (e.g. to provide
customer service, to optimize the content you see from us, website improvement,
other purposes stated in this Notice, etc.) and Payment Card Industry Data
Security Standard (“PCI”) compliance. These vendors may also display our ads on
sites across the Internet, and they may use this data to later display ads or
other information to you based on your website usage or other information
collected as described above. By using our website, you consent to this use of
cookies and data for these purposes. You can refuse cookies by disabling them in
your browser (this may affect the content available to you). Our websites do not
respond to “Do Not Track” requests from browsers.

We may use your geolocation information for generating location-specific product
advertisements and offers or to provide and administer the insurance and
assistance services as described above. This information may also be used for
location-based website or mobile website application services, such as access to
local alerts and emergency services numbers and providers, maps, and translation
services, and other similar services, or for purposes to which you otherwise
consent or as described here.

Last, we may use and disclose the name, email address, or contact information of
current and former customers to Agents for marketing administration purposes.
For example, we may need to disclose the email address you provided to us to an
Agent providing marketing services on our behalf to help ensure that your opt
out choices are respected and that you do not receive duplicate communications.

Upon notification and consent your personal data may be used for other reasons.
That notice will state the purpose for collecting and using the data, the types
of non-Agent third parties to which we disclose the data, and the means we offer
you to limit this.


2. CHOICE

We reserve the right to disclose Personal Data to third parties as described
above. The law in some jurisdictions allows you the right to choose in some
cases to opt out of us sharing your Personal Data with a third party or using it
for purposes described or that is materially different from the purposes for
which it was originally collected or which you later authorize. You may exercise
this right by notifying the Privacy Officer at the information provided below.
You may opt out of getting non-essential marketing communications from us by
giving notice as described below and disabling cookies in your web browser.
Except as required or allowed by law (e.g. for fraud prevention), we do not
share, sell or otherwise disclose your Personal Data to non-Agent third parties
or use it for any purpose other than for which it was originally collected or as
you later authorize. If we ever wish to do so, we will give you the opportunity
to opt out. If we wish to disclose your Sensitive Data to a non-Agent third
party or use such data for a purpose other than for which it was originally
collected or as you later authorize, we will only do so with your express
consent. We will not unfairly discriminate against you for declining to provide
this consent.

Except as allowed by law, we will not use or disclose psychotherapy notes, use
or disclose your PHI for marketing purposes, or use or disclose your PHI in a
way that would constitute a sale of PHI under HIPAA unless you expressly
authorize us to do so. You may revoke this consent at any time. Such revocation
will not apply to actions we have already taken based on that consent. You may
request restrictions on our use and disclosure of certain health information for
treatment, payment, or our operations. However, we are not required to agree to
your request, except as required by HIPAA.

We may need to disclose Personal or Sensitive Data if we have a good-faith
belief that it is needed to protect or defend our or your rights, interests or
property or comply with any law or legal mandate, or if it is otherwise required
or allowed by law. We will take reasonable care to disclose only as much of such
data as is needed.


3. ACCOUNTABILITY FOR ONWARD TRANSFER

We may disclose your Personal Data to our Agents, but only for the limited and
specified purposes described here, consistent with the consent you have
provided. We will take reasonable and appropriate steps to obtain assurances
from our Agents that they will effectively process and safeguard your Personal
Data consistent with our obligations under this Notice. Upon discovery, we will
take reasonable steps to stop and remediate any unauthorized processing
inconsistent with this Notice.

Our Binding Corporate Rules related to data transfers may be viewed here:
https://www.allianz-partners.com/en_US/allianz-partners—binding-corporate-rules-.html


4. SECURITY

We take reasonable and appropriate measures to protect your data from loss,
misuse, or unauthorized access, disclosure, alteration and destruction. These
measures take into account the risks involved in the processing and the nature
of the Personal Data. To help maintain the security of your data, we use
administrative, physical, and technical safeguards. These include utilizing
policies to take reasonable precautions to (a) securely and confidentially
maintain your Personal Data; (b) assess and protect against threats and hazards
to the security or integrity of such data; and (c) prevent unauthorized access
to or use of such data. Also, except where required or allowed by law, we limit
use of your Personal Data to the minimum necessary to accomplish the purposes
for which that data was collected and to be used as described here. We restrict
access to your Personal Data to only those who need to access it to accomplish
those purposes. We use encryption to make your online transaction with us safe
and secure. We protect the privacy of your credit card information with a high
degree of care and in compliance with PCI. We are required by law to maintain
the privacy and security of your PHI. If there is a breach as defined under
HIPAA of your unsecured PHI, we are required by law to notify you


5. DATA INTEGRITY

We will only collect Personal Data to the extent it is relevant to the purposes
for which it was collected. We will not process Personal Data in a way that is
incompatible with the purposes for which it has been collected or as you later
authorize. To help maintain the integrity of your data, we will take reasonable
steps to ensure that Personal Data is reliable for its intended use, relevant,
accurate, complete, and current. We will adhere to these principles for as long
as we retain this data. We retain Personal Data according to our data retention
policy.


6. ACCESS

If you discover the data we hold about you is inaccurate or incomplete, please
contact us. We will grant you reasonable access to the Personal Data we hold
about you. We will take reasonable steps to allow you to correct, amend or
delete your Personal Data that is inaccurate or incomplete, or has been
processed in violation of this Notice, so long as it can be done without undue
burden or expense on us, without breaching any legal or professional privilege
or obligation, and without violating the rights of others. Where we are subject
to HIPAA, you have the right to request to receive confidential communications
of your PHI, as applicable. In accordance with and as allowed by HIPAA, at your
request, you may inspect, amend, and copy PHI we maintain about you and receive
an accounting of certain disclosures of your PHI (e.g. health payment records).


7. RECOURSE, ENFORCEMENT, LIABILITY

You can send complaints about how we handle your Personal Data to us at the
contact information below. If the data is PHI, complaints can be made to us or
to the U.S. Secretary of Health and Human Services. We will not retaliate
against you for filing a complaint.


LINKS

Our websites provide links (including social media plugins (“Plugins”)) that
connect to third party websites. Clicking such link establishes a connection and
transmits data to/from the operator of such website. Clicking a Plugin while
logged in to a social media account may cause the social media website’s
operator to publish activity to your account. To avoid this, log out of your
account before clicking the Plugin link. We are not responsible for and make no
representations about the content, security, or privacy practices of any other
third party websites. You should read the privacy notices of the websites you
visit to understand their data privacy practices.


CHANGES TO NOTICE

This Notice reflects our business practices. It is not a contract. However, we
are required to and will abide by the terms of this Notice as currently in
effect. We may amend this Notice at any time. We will notify you of any updates
by posting a revised notice on our website. The revised notice will apply to all
information collected by us, including previously collected information. You
accept the revised notice by your continued use of our website, products or
services following any such amendment. If we revise this Notice in a way that
would allow us to disclose your Personal Data to a nonaffiliated third party
other than as already described here, we will provide you with a revised notice
and give you the opportunity to opt out of any such disclosure. You are
responsible to regularly review this Notice. You have the right to a paper copy
of this Notice upon request.


CONTACT

If you have any questions or comments about this Notice or the way that we
collect or handle your Personal Data, or if you would like a paper copy of this
Notice, please contact our Chief Privacy Officer by any of:

Email: privacy@allianzassistance.com
Phone: 1-800-284-8300
Mail: Allianz Global Assistance
ATTN: Chief Privacy Officer
9950 Mayland Drive
Richmond, VA 23233


OPT OUT/EXERCISE OF RIGHTS

To opt out of non-essential marketing communications or non-essential
unaffiliated third party information sharing, please contact our Chief Privacy
Officer as noted above with your name, policy number. Please include a statement
that says “Opt out” (or something similar). Opt outs will be applied to all
products and services we provide. We will not unfairly discriminate against any
person who chooses to opt out, or exercise any of their rights as described in
this Notice.


ELECTRONIC NOTICES

Unless you chose to receive them by US mail at the time of purchase, by
purchasing your policy, you consent to receive all notices and documents from us
electronically. They will be sent to the email address provided at the time of
purchase. You may opt to receive notices and documents from us by mail at any
time. If you wish to change or update your notice/documents preferences, email
us at customerservice@allianzassistance.com. Please include your name, policy
number, and a note that says “Only contact me by mail” (or something similar).
You can also let us know by phone at 800-284-8300 or by mail to:

Allianz Global Assistance
ATTN: Customer Service – Only contact me by mail
9950 Mayland Drive
Richmond, VA 23233

If you don’t provide an email address at purchase, you’ll receive notices and
documents by mail. You may request paper copies of any electronic information we
send, or update your electronic contact information at any time by emailing or
mailing us at the above address, or by calling us. Documents sent to you from us
will be in either PDF or HTML format. If you can’t receive or read the documents
we send you, please contact us so we can assist you.


CALIFORNIA RESIDENTS

In addition to as defined above, Personal Data may also include information
(other than information that is publicly available, de-identified or
aggregated), that identifies, relates to, describes, is reasonably capable of
being associated with, or could be reasonably linked to a particular California
resident or household.

We have collected the following categories of Personal Data from consumers from
the sources and for the purposes as described in this Notice in the past 12
months: identifiers, personal information, characteristics of protected
classifications, commercial information, biometric information, internet or
other electronic network activity information, geolocation data,
audio/electronic/visual information, and professional or employment-related
information. We use these categories data for purposes as described in Section 1
of this Notice. We do not sell Personal Data. We have disclosed the following
categories of Personal Data for business purposes as described in this Notice to
the categories of third parties identified in this Notice in the past 12 months:
identifiers, personal information, characteristics of protected classifications,
commercial information, biometric information, internet or other electronic
network activity information, geolocation data, audio/electronic/visual
information, and professional or employment-related information.

You may in some cases have certain rights under California law. However, these
rights are not available in all cases, and they are subject to applicable
exceptions, exemptions, and limitations as provided by law (including without
limitation with respect to Personal Data collected pursuant to the
Gramm-Leach-Bliley Act). Please contact the Chief Privacy Officer for more
information. These rights may include the following: (1) the right to request
that we disclose to you the categories and specific pieces of your Personal Data
we have collected over the past 12 months; the categories of sources from which
that data is collected; the business or commercial purpose for collecting or
selling that data; the categories of third parties with whom we share that data;
and the specific pieces of that data we have collected about you in that period;
the categories of Personal Data sold about you during that period and the
categories of third parties to whom that information was sold, by category of
Personal Data for each category of third parties to whom the Personal Data was
sold; and the categories of Personal Data we disclosed about you for a business
purpose during that period; (2) the right to request that we delete Personal
Data we have collected about you; (3) the right that we will not discriminate
against you for exercising any of these rights, including without limitation by
denying goods or services to you; charging a different price or rates for goods
or services, including through the use of discounts or other benefits or
imposing penalties; providing a different level or quality of goods or services
to you; or suggesting that you will receive a different price or rate for, or a
different level of quality of, goods or services. You can submit a request to
exercise these rights by contacting the Chief Privacy Officer as described
above. Upon verification of your request, we will respond to you with the
information requested or confirmation of deletion, or with an explanation for
why the information will not be provided or why the data will not be deleted, as
applicable.

Effective Date. This Notice was last revised on, and is effective as of,
December 1, 2020.

Terms, conditions, and exclusions apply. Please see your plan for full details.
Benefits/Coverage may vary by state, and sublimits may apply.

 

*A travel supplier's cessation of operations due to its financial circumstances
may not be available as a covered reason under all plans.
*Rental Car Damage and Theft Coverage, when purchased as part of an annual plan,
is not available to KS, TX, and NY residents. For WA residents, it may not be
available in all plans. See your plan details for additional information.

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--------------------------------------------------------------------------------

Insurance benefits underwritten by BCS Insurance Company (OH, Administrative
Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A”
(Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series,
or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive,
Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson
Form No. 101-C series or 101-P series, depending on your state of residence and
plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest,
respectively, of A.M. Best's 13 Financial Strength Ratings. Plans only available
to U.S. residents and may not be available in all jurisdictions. Allianz Global
Assistance and Allianz Travel Insurance are marks of AGA Service Company dba
Allianz Global Assistance or its affiliates. Allianz Travel Insurance products
are distributed by Allianz Global Assistance, the licensed producer and
administrator of these plans and an affiliate of Jefferson Insurance Company.
The insured shall not receive any special benefit or advantage due to the
affiliation between AGA Service Company and Jefferson Insurance Company. Plans
include insurance benefits and assistance services. Any Non-Insurance Assistance
services purchased are provided through AGA Service Company. Except as expressly
provided under your plan, you are responsible for charges you incur from third
parties. Contact AGA Service Company at 800-284-8300 or 9950 Mayland Drive,
Richmond, VA 23233 or customerservice@allianzassistance.com.

--------------------------------------------------------------------------------

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