Personal Information Collection
This website collects Personal Information through:
Personal Information Use and Disclosure
- Online forms that you submit, such as listed in the “How Can We Serve You” section and through the log-in for PricewaterhouseCoopers; and
- Cookies, IP addresses, and GIFs (as these terms are described below). In certain circumstances, when you seek to obtain products or services through the website, or make other requests, HUB may obtain Personal Information about you from other sources, such as:
- Our prior or current transactions with you;
- Our affiliates;
- Consumer reporting agencies;
- Your employer;
- State and federal agencies; or
- Other third parties as permitted under the law.
HUB may use the Personal Information referenced above to complete requested transactions, provide requested products and services, inform you about additional HUB products and services that may be of interest to you, and perform related functions. HUB may also disclose such Personal Information to affiliates and nonaffiliated third parties as described below.
Personal Information about Health or Medical Conditions
HUB does not disclose Personal Information about your health or medical conditions or treatment, except as necessary to process or service requested or authorized transactions, or as otherwise required by law.
Necessary Disclosures of Personal Information
We may disclose Personal Information to affiliated and nonaffiliated third parties: (1) as necessary to process or service requested or authorized transactions, such as to secure quotations for insurance, obtain insurance coverage, or report or process claims, and/or (2) that perform services on our behalf or to other institutions, including insurance companies or banks with which we have joint marketing arrangements. In addition, we may disclose Personal Information as otherwise permitted or required by law, including in connection with any sale of all or a part of our business or company, or pursuant to a subpoena, court order or other judicial or governmental process. HUB may also share Personal Information in other circumstances as described below.
Other Disclosures to Affiliates
HUB may disclose Personal Information among our affiliates, including the family of insurance brokerage and other financial services companies owned by it. You may choose to limit our ability to share so-called "Non-transactional Personal Information" with these affiliates, except as permitted or required by law. "Non-transactional Personal Information" refers to Personal Information we obtain about you that does not arise directly from our transactions or experiences with you, as described under the Fair Credit Reporting Act, such as Personal Information we receive from consumer reporting agencies.
Other Disclosures to Nonaffiliated Third Parties
HUB will not disclose personal information about you to nonaffiliated third parties, except to process or service requested or authorized transactions.
Linking to Other Sites
Active Personal Information Collection
This website collects your Personal Information using active collection methods, such as feedback forms, e-mail response mechanisms, or other forms where you are asked to provide Personal Information. This website will inform you at such information collection points as to what information is required to obtain the requested services and what information is optional.
Passive Information Collection
In addition to the active collection methods described above, this website also passively collects other information from and about you using various technologies such as IP addresses, cookies, or GIFs, as those are discussed in this section.
Internet Protocol ("IP") addresses
IP addresses are unique numeric identifiers assigned to your computer each time you access the Internet. IP addresses contain no personally identifiable information and change each time you access the Internet. This website uses IP addresses to track visitors as they navigate through the website. This tracking allows us to diagnose problem on the website, track usage patterns and volume, and otherwise to administer and improve the website.
A "cookie" is small computer file that a website sends to your browser that helps the site remember information about you and your preferences. There are two kinds of cookies, "session" and "persistent" cookies. Session cookies are temporary files that a website erases once you exit your browser window, turn off your computer, or otherwise disconnect from the Internet. This website uses session cookies to perform the same functions as IP addresses described above.
"Persistent" cookies are more permanent files that this website installs on your hard drive and that will not be erased unless you manually delete them. Persistent cookies can store information (including personally identifiable information) on your computer for a number of purposes, such as retrieving certain information you have previously provided (e.g., passwords), helping to determine what areas of the website visitors find most valuable, and customizing the website based on your preferences. This website uses persistent cookies.
Co-Branded Areas and Cookies
The Co-Branded Areas use persistent cookies to identify that you entered the Co-Branded Areas through this website. In particular, by accessing this website and subsequently entering any Co-Branded Areas, a persistent cookie will be placed on your hard drive that will allow the Co-Branded Areas to recognize you as a customer. This cookie will restrict your ability to access other insurance brokers or other businesses that would otherwise be made available to you on the Co-Branded Areas. If you do not wish to have this cookie placed on your hard drive, follow the directions as set forth below in "Blocking Cookies."
GIFs, also known as "internet tags" or sometimes referred to as "web bugs," are very small files that are present on the pages within this website. GIFs provide this website with important information about your visits, such as your IP address, browser type, and other website usage statistics. GIFs do not provide the website with personally identifiable information.
With respect to our internal uses of Personal Information, we restrict access to such Personal Information to employees who need to know that Personal Information to provide products or services to you or otherwise to administer our internal business operations. This website uses reasonable physical, electronic, and procedural safeguards to protect Personal Information.
Children Under Age 18
This website is not directed to children under the age of 13 and we will not knowingly collect personally identifiable information from children under age 18. If you are under the age of 18, please do not use this website.
Changes to this Policy
How to contact HUB
Ivy S. Fischer, General Counsel
Hub International Group Northeast Inc.
1065 Avenue of the Americas
New York, NY 10018