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PRIVACY & SECURITY

SECTIONS:

Online Privacy Statement

Privacy Statement for Consumers

California Consumer Privacy Act Disclosure

Additional Privacy Statements

Travelers Cybersecurity Practices

Security Tips for Customers




ONLINE PRIVACY STATEMENT

Revised November 3, 2021

The Travelers Indemnity Company and its affiliates ("Travelers") value your
privacy. This Online Privacy Statement will inform you about how we use and
disclose information that we and our service providers collect from your visits
to travelers.com and other websites owned or operated by us (the “Websites”),
through the software applications made available by us for use on or through
computers and mobile devices (the “Apps”), through use of social media pages
that we control (“Social Media Pages”), and through email messages that we send
to you (collectively, including the Websites, the Apps, and our Social Media
Pages, the “Services”).

This Online Privacy Statement only applies to information collected through the
Services. If you have purchased or applied for an insurance product from us,
please also see our Privacy Statement for Individual U.S. Personal Insurance
Consumers, which applies to the information that we collect about policyholders
and applicants, through the Services as well as any other medium. Travelers does
business in a number of different jurisdictions. Additional Privacy
Statements may apply depending on your jurisdiction or customer relationship.

 

Personal Information

How We May Use Personal Information

How Personal Information May Be Disclosed

Other Information We May Collect

How We May Collect Other Information

How We May Use and Disclose Other Information

Third Party Services

Third Party Advertisers

Children’s Privacy

Maintenance of the Services

Safeguarding Personal Information

Social Security Protection Policy Statement

Updates to this Online Privacy Statement





PERSONAL INFORMATION

“Personal Information” is information that identifies you as an individual.
Personal Information may in certain circumstances include such information as
name, address, phone number, email address, credit history, social security
number, driver’s license number, credit or debit card number, policy or claim
information, automobile and home information, health information, username and
passwords for online accounts, telematics, and geolocation data. If you apply
for a job or register with our career center, Personal Information may, in
certain circumstances, also include information about your work and educational
history, and other information you choose to provide in connection with your
application.

If you submit any Personal Information relating to other people to us or to our
service providers, you represent that you have the authority to do so and to
permit us to use the information in accordance with this Online Privacy
Statement.


HOW WE MAY USE PERSONAL INFORMATION

We may use Personal Information:

 * To provide a quote, underwrite and rate policies, respond to your inquiries,
   fulfill your requests, and complete your transactions
 * To process claims
 * To service your insurance
 * To confirm or correct what we know about you
 * To help us prevent fraud and other crimes
 * To provide location-based services, such as roadside assistance.
 * To record telematics and trip information through the IntelliDrive® mobile
   application, if you participate in our voluntary telematics programs. The
   IntelliDrive® mobile application captures data about your driving behaviors,
   including but not limited to the following: your location, information about
   your speed, braking, acceleration, time of day, phone use and other
   information regarding the status of your mobile device. We also collect
   information about your use of the IntelliDrive® mobile application including
   frequency of use, the screens you have viewed, performance data and other
   activity.
 * To comply with applicable laws
 * To perform research or send you surveys
 * To send you information that we believe may be of interest to you
 * To personalize your experience on the Services
 * To facilitate social sharing functionality
 * To allow you to participate in sweepstakes, contests and similar promotions
   and to administer these activities. Some of these activities have additional
   rules, which could contain additional information about how we use and
   disclose Personal Information, so we suggest that you read these rules
   carefully.
 * To allow you to send messages to a friend through the Services. By using this
   functionality, you are telling us that you are entitled to use and provide us
   with your friend’s name and email address.
 * To inform you of job opportunities and to evaluate your suitability for a job
 * To contact you at a telephone number you provide to us, including if the
   number is for a cell phone or other wireless device. We may contact you in
   person, by recorded message, by the use of automated dialing equipment, by
   text (SMS) message, or by any other means of communication your device is
   capable of receiving, as allowed by law and for reasonable business purposes,
   including to service your policy with us.
 * For our business purposes.
 * As otherwise allowed by law.


HOW PERSONAL INFORMATION MAY BE DISCLOSED

Your Personal Information may be disclosed:

 * Within the Travelers family of companies
 * To third parties to help us manage or service our business. These third
   parties can include but are not limited to agents or brokers, other insurance
   companies, regulators, administrators, and service providers that provide
   services such as website hosting, data analysis, payment processing,
   information technology and related infrastructure provision, email delivery
   and other services.
 * To insurance support organizations and consumer reporting agencies.
   Information that we share with these organizations, such as your claims
   history, may be retained by them and disclosed to others.
 * To third parties so that they can market their products and services to you,
   if you have given us permission.
 * By you, on message boards, chat, profile pages and blogs and other services
   to which you are able to post information and materials (including, without
   limitation, our Social Media Pages). Please note that any information you
   post or disclose through these services will become public information, and
   may be available to users of the Services and to the general public. We urge
   you to be very careful when deciding to disclose your Personal Information,
   or any other information, on the Services.
 * To a third party in the event of any reorganization, merger, sale, joint
   venture, assignment, transfer or other disposition of all or any portion of
   our business, assets or stock (including in connection with any bankruptcy or
   similar proceedings)
 * As we believe to be necessary or appropriate: (a) under applicable law,
   including laws outside your country of residence; (b) to comply with legal
   process; (c) to respond to requests from public and government authorities
   including public and government authorities outside your country of
   residence; (d) to enforce our terms and conditions; (e) to protect our
   operations; (f) to protect our rights, privacy, safety or property, and/or
   that of you or others; (g) to detect and prevent fraud; and (h) to allow us
   to pursue available remedies or limit the damages that we may sustain
 * As otherwise allowed by law


OTHER INFORMATION WE MAY COLLECT

“Other Information” is any information that does not reveal your specific
identity or does not directly relate to an individual, such as:

 * Browser and device information
 * App usage data
 * Information collected through cookies, pixel tags and other technologies
 * Physical location
 * Demographic information and other information provided by you
 * Aggregated information


HOW WE MAY COLLECT OTHER INFORMATION

We and our third party service providers may collect Other Information in a
variety of ways, including:

 * Through your browser or device: Certain information is collected by most
   browsers or automatically through your device, such as your Media Access
   Control (MAC) address, computer type (Windows or Macintosh), screen
   resolution, operating system name and version, device manufacturer and model,
   language, Internet browser type and version and the name and version of the
   Services (such as an App) you are using. We use this information to ensure
   that the Services function properly.
 * Through your use of the App: When you download and use an App, we and our
   service providers may track and collect App usage data, such as the date and
   time the App on your device accesses our servers and what information and
   files have been downloaded to the App based on your device number.
 * Using cookies: Cookies are pieces of information stored directly on the
   computer that you are using. Cookies allow us to collect information such as
   browser type, time spent on the Services, pages visited, language
   preferences, and other anonymous traffic data. We and our service providers
   use the information for security purposes, to facilitate navigation, display
   information more effectively, and to personalize your experience while using
   the Services, as well as for online tracking purposes. We can recognize your
   computer to assist your use of the Services. We also gather statistical
   information about the usage of the Services in order to continually improve
   the design and functionality, understand how the Services are used and to
   assist us with resolving questions regarding the Services. Cookies further
   allow us to select which of our advertisements or offers are most likely to
   appeal to you and display them while you are on the Services. We and our
   service providers may also use cookies in online advertising to track
   responses to our advertisements, and we and our service providers may use
   cookies or other files to track your use of other websites.
   
   If you do not want information collected through the use of cookies, there is
   a simple procedure in most browsers that allows you to automatically decline
   cookies, or be given the choice of declining or accepting the transfer to
   your computer of a particular cookie (or cookies) from a particular site. You
   may also wish to refer
   to http://www.allaboutcookies.org/manage-cookies/index.html. However, if you
   do not accept these cookies, you may experience some inconvenience in your
   use of the Services. For example, we may not be able to recognize your
   computer and you may need to log in every time you visit the applicable
   Services. You also may not receive advertising or other offers from us that
   are relevant to your interests and needs.

 * Using pixel tags and other similar technologies: Pixel tags (also known as
   web beacons and clear GIFs) may be used in connection with some Services to,
   among other things, track the actions of users of the Services (including
   email recipients), measure the success of our marketing campaigns and compile
   statistics about usage of the Services and response rates.
 * IP Address: Your IP Address is a number that is automatically assigned to the
   computer that you are using by your Internet Service Provider (ISP). An IP
   Address may be identified and logged automatically in our server log files
   whenever a user accesses the Services, along with the time of the visit and
   the page(s) that were visited. Collecting IP Addresses is standard practice
   and is done automatically by many websites, applications and other services.
   We use IP Addresses for purposes such as calculating usage levels of the
   Services, helping diagnose server problems, identifying the general location
   of the device, and administering the Services.
 * Physical Location: We may collect the physical location of your device by,
   for example, using satellite, cell phone tower or WiFi signals. We may use
   your device’s physical location to provide you with personalized
   location-based services and content. We may also share your device’s physical
   location, combined with information about what advertisements you viewed and
   other information we collect, with our marketing partners to enable them to
   provide you with more personalized content and to study the effectiveness of
   advertising campaigns. In some instances, you may be permitted to allow or
   deny such uses and/or sharing of your device’s location, but if you choose to
   deny such uses and/or sharing, we and/or our marketing partners may not be
   able to provide you with the applicable personalized services and content.
 * From you: Information such as your location, as well as other information,
   such as your preferred means of communication, is collected when you
   voluntarily provide this information. Unless combined with Personal
   Information, this information does not personally identify you or any other
   user of the Services.
 * By aggregating information: Aggregated Personal Information does not
   personally identify you or any other user of the Services.


HOW WE MAY USE AND DISCLOSE OTHER INFORMATION

Please note that we may use and disclose Other Information for any purpose,
except where we are required to do otherwise under applicable law. If we are
required to treat Other Information as Personal Information under applicable
law, then we may use it as described in “How We May Collect Other Information”
section above, as well as for all the purposes for which we use and disclose
Personal Information.


THIRD PARTY SERVICES

This Online Privacy Statement does not address, and we are not responsible for,
the privacy, information or other practices of any third parties, including any
third party operating any site or service to which the Services link. The
inclusion of a link on the Services does not imply endorsement of the linked
site or service by us.

Please note that we are not responsible for the collection, usage and disclosure
policies and practices (including the data security practices) of other
organizations, such as Facebook, Apple, Google, Microsoft, RIM or any other app
developer, app provider, social media platform provider, operating system
provider, wireless service provider or device manufacturer, including any
Personal Information you disclose through or in connection with the Apps or our
Social Media Pages. Please note that we use the Google Maps API(s), which is
subject to the Google privacy policy, available
at http://www.google.com/privacy.html, as such policy may be amended by Google
from time to time.


THIRD PARTY ADVERTISERS

We do not respond to any web browser “do not track” signals or other similar
mechanisms. We may use third-party advertising companies to serve advertisements
regarding goods and services that may be of interest to you when you access and
use the Services and other websites. To do so, these companies may place or
recognize a unique cookie on your browser (including through use of pixel tags),
which may allow them to collect information about your online activities over
time and across different Web sites, including when you access and use the
Services. If you would like more information about this practice and to learn
about your choices in connection with these practices, please
visit http://www.networkadvertising.org/managing/opt_out.asp and http://www.aboutads.info/.


CHILDREN’S PRIVACY

The Services are not directed to individuals under the age of thirteen (13), and
we request that these individuals do not provide Personal Information through
the Services.


MAINTENANCE OF THE SERVICES

The Services are maintained by us in the United States, and are not intended to
subject us to the laws or jurisdiction of any state, country or territory other
than that of the United States.


SAFEGUARDING PERSONAL INFORMATION

We seek to use reasonable physical, technical and administrative measures to
protect Personal Information within our organization. Unfortunately, no data
transmission or storage system can be guaranteed to be 100% secure. If you have
reason to believe that your interaction with us is no longer secure (for
example, if you feel that the security of any account you might have with us has
been compromised), please immediately notify us of the problem by contacting us
at Travelers Consumer Affairs, One Tower Square, Hartford, CT 06183, or email to
privacy@travelers.com.


SOCIAL SECURITY PROTECTION POLICY STATEMENT

Travelers seeks to protect the confidentiality of social security numbers (SSNs)
by maintaining physical, electronic, and procedural safeguards. We limit access
to SSNs to help protect against their loss, misuse or unlawful disclosure. We do
not disclose SSNs to third parties except where required or permitted by law.


UPDATES TO THIS ONLINE PRIVACY STATEMENT

We may change this Online Privacy Statement at any time. Please take a look at
the “Revised” legend at the top of this page to see the date of the last
revision. Any changes will become effective when we post the revised Online
Privacy Statement on the Services. Your use of the Services following these
changes means that you accept the revised Online Privacy Statement.

Travelers and The Travelers Umbrella are registered trademarks of The Travelers
Indemnity Company in the U.S. and other countries.
© 2022 The Travelers Indemnity Company. All rights reserved.

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