Not a resident of Canada?

Have an "unlucky" travel story to tell?

Privacy Principles of Travel Guard Group, Inc.

Travel Guard and Individual Privacy

We at Travel Guard Group, Inc. want our policyholders, insureds and claimants, to be aware of how and why we handle personal information. We work hard to respect and maintain client privacy. However, the very nature of Travel Guard's business is such that the collection, use and disclosure of personal information is fundamental to the products and services we provide.

These Privacy Principles apply only to the product or service the client has obtained or the insurance policy under which he/she is seeking or receiving benefits. As a large worldwide leader in the delivery of financial products and services, Travel Guard Group, Inc. offers numerous products and services to many types of consumers and clients in many different countries around the world.

Travel Guard Group, Inc. has adopted these Privacy Principles, which they apply to the collection, use and disclosure of personal information.

Personal information, for the purposes of these Privacy Principles, means information that identifies an individual. For example: an individual's name, birth date, address, age, health and financial information is personal information which Travel Guard Group, Inc. may collect, use and in certain circumstances, where necessary, disclose, in the course of providing insurance services and carrying on business. Personal information does not include the name, business title, address, phone or fax number of an employee of an organization.

These Privacy Principles may be modified from time to time. An individual may obtain our most up to date version by contacting us at the address set out below in the section called "Contacting the Travel Guard Group, Inc. Privacy Officer for Canada".

1. Consent and Personal Information

Travel Guard obtains consent to the collection, use and disclosure of personal information, except where inappropriate.

In obtaining consent to the collection, use and disclosure of personal information, the purpose for which information is collected, used or disclosed is either obvious by the very nature of the transaction or if not, we state the purpose, either at or before the time the information is collected. When we do collect personal information, we collect only that personal information which is necessary to such obvious or stated purpose.

Personal information is typically collected and used by us for insurance purposes such as, assessing risk, processing applications for insurance coverage, providing and administering insurance products and related services and to determine the status of insurance coverage, to investigate and handling claims, administering insurance benefits and to prevent or deter fraud. Such information will be used solely to facilitate the products and services requested or as provided or permitted by law.

We consult our existing files for these purposes. An individual may decline to consent, or revoke consent, to the collection and use of personal information for these insurance purposes but in that case insurance products and related services and benefits and the assessment of claims may be limited or terminated.

2. Collecting Personal Information.

Whenever practical, we collect information directly from the individual concerned. In some instances and as is common in the underwriting of insurance and the investigation of insurance claims, we verify information and obtain information from independent sources and organizations.

3. Using Personal Information

We use personal information in accordance with the consent provided by the individual to whom the information relates, in accordance with these Privacy Principles, our contractual rights and obligations and the law.

Personal information shall not be used by TRAVEL GUARD employees and representatives for purposes other than as required in the performance of their employment duties.

4. Use of Personal information for Marketing Purposes

TRAVEL GUARD may also collect and use personal information for marketing purposes, such as identifying and communicating with individuals who are most likely to find TRAVEL GUARD products and services of interest. Consent to this collection and use of personal information is voluntary. An individual may opt not to have us collect and use personal information for marketing purposes, in which case we will collect and use personal information for insurance purposes and in accordance with our contractual rights and obligations, but we will not use personal information for marketing purposes. Offers of upgraded or additional coverage, special offers and promotional mailings, will not be sent by us. Please refer to the section of these Privacy Principles called "Contacting the TRAVEL GUARD GROUP, INC. Privacy Officer for Canada" for information on how to decline or revoke consent to the use of personal information for marketing purposes.

5. Accuracy of Your Personal Information

TRAVEL GUARD maintains procedures to ensure that the information we collect and use is accurate, up-to-date, and as complete as possible. However, we rely on individuals to disclose all material information to us and to inform us of any changes. With proof of entitlement, a request to access and if applicable correct information in our possession may be made by contacting the TRAVEL GUARD Privacy Officer for Canada at the address set out below in the section called "Contacting the TRAVEL GUARD GROUP, INC. Privacy Officer for Canada".

6. Safeguarding Your Information

We apply appropriate safeguards to our computer networks and physical files and we restrict access to personal information to those TRAVEL GUARD employees, authorized administrators, reinsurers, consultants or insurance representatives who need to know that information in order to underwrite or administer insurance products and services.

7. Disclosure of Personal Information

Personal information is sought and exchanged with both affiliated and unaffiliated insurance companies, reinsurers, and insurance industry organizations at the time of assessing an application for insurance and any renewal, extension, variation or cancellation of any issued policy, as well as in the event of any claim, to the extent necessary for industry statistical purposes or to assess and rate a specific risk, determine the status of coverage, and investigate claims. We also share information to combat fraud; where permitted or required by law; or, at the request of government regulators.

TRAVEL GUARD sometimes retains an affiliated company or an independent third party or reinsurer ("authorized administrator") to perform on TRAVEL GUARD's behalf, certain functions in support of the products and services TRAVEL GUARD provides. Such functions could include the underwriting, offering or administering of TRAVEL GUARD's financial products and services or any related claims. Accordingly, in certain instances these affiliates or third parties will be provided with personal information to the extent that it is necessary in the performance of those specific reinsurance, underwriting, marketing, consulting, administrative, rehabilitative, claims, investigation or related services. TRAVEL GUARD obligates these affiliates and third parties to use and take steps to protect personal information in accordance with the requirements of these Privacy Principles.

Some authorized administrators may be located in the United States of America or another foreign country other than Canada and in those cases personal information will be subject to disclosure pursuant to the laws of the jurisdiction in which it is situate. By applying for and/or acquiring the products and services of TRAVEL GUARD, you hereby consent to the authorized administrators located outside of Canada accessing, processing or storing your personal information (as the case may be) and disclosing such personal information as required by the governing laws of that jurisdiction.

Consent to the disclosure of personal information to our affiliates for the purpose of offering additional products and services is optional. An individual may decline or revoke consent to this optional disclosure of personal information by contacting the TRAVEL GUARD GROUP, INC. Privacy Officer for Canada, in which case offers of additional products and services, special offers and promotional mailings will not be made by our affiliates.

We do not sell our customer lists or other personal information.

8. Retention and Access to Your Personal Information

We retain personal information only for so long as is necessary to fulfill the purpose for which it was collected and to meet our legal and contractual obligations. If personal information is no longer required, it will be destroyed or rendered anonymous. Given the nature of insurance and our on-going exposure to potential claims, where necessary, some of the information we collect for insurance purposes is kept indefinitely.

An individual or a person authorized in writing to act on his/her behalf may, with satisfactory identification and proof of entitlement, request access or, if applicable, request a correction of personal information which TRAVEL GUARD has in its possession.

The right to access is not absolute. For example, there is no right to access and we may decline a request for access, if the information requested is subject to a legal privilege. We do not provide personal health information directly to individuals unless the individual provided it directly to us. Instead we provide access to personal health information through the individual's health care professional.

We may charge a reasonable fee in advance for copying and sending information you have requested and to which you have a right of access.

9. Contacting the TRAVEL GUARD GROUP, INC. Privacy Officer for Canada

Contact:
The TRAVEL GUARD GROUP, INC. Privacy Officer for Canada
145 Wellington Street West
Toronto, Ontario
Canada M5J 1H8

Toll Free: 1-800-387-4481 x 2745

Should you have:
Questions about our privacy practices;
A request to access or correct your personal information; or
To decline or revoke consent to the use, collection or disclosure of personal information for marketing purposes.

Include your name, address and, if applicable, your policy number.

10. Website Privacy Practices

SECURE TRANSACTIONS

To ensure that every transaction is protected, we treat your credit card and personal information with the utmost confidentiality and safety.

By making your purchase on our secure server, you are protected by Secure Socket Layer (SSL) technology, utilized by most popular browsers, including Netscape and Microsoft Explorer. This technology allows us to use advanced encryption tools to protect all important customer information (including your credit card number, name, address, etc.) transmitted between your computer and our server.

USE OF INFORMATION

In 2005, Travel Guard Group, Inc. entered a relationship with DoubleClick. Click here for more information.

Non-personal information is collected to track the total number of guests visiting this site, pages that they visited and time spent on those pages. This information is used in its aggregate form to help us improve our site. This information is used exclusively for our internal purposes.

Personal information that can identify a visitor, such as name, address or policy information, is collected only when voluntarily offered and solely for purposes of transacting an insurance purchase.

When you make a purchase online with us, we will use your personal and credit card information to process your Travel Guard Group, Inc. purchase. We will not share your personal information, except as otherwise required or permitted by law.

Travel Guard Group, Inc. may use the information submitted to respond to your inquiry. Also, your inquiry might appropriately be answered by a particular Travel Guard Group, Inc. affiliated company, and it may be forwarded to that company. That Travel Guard Group, Inc. affiliated company will use the information to respond to your inquiry. Neither Travel Guard nor any Travel Guard Group, Inc. affiliated company will use the information submitted to Travel Guard Group, Inc. for marketing purposes, nor share it with any third party for marketing purposes, unless you consent to this use.

If you send Travel Guard Group, Inc. an e-mail request, we may respond to your request with an e-mail asking for further clarification of your needs, or requesting additional information so that we can best serve you. In addition, a confirmation of your order will be sent to the e-mail address that you provide in our enrollment section.

Travel Guard Group, Inc. (and in the event information has been forwarded to a Travel Guard Group, Inc. affiliated company, such Travel Guard Group, Inc. affiliated company) may store the information you submit for such period of time as may be necessary.

Statistical information derived from the information submitted may be shared with third parties, however, such statistical information is not associated with any individual in a personally identifiable manner.

This Website uses cookies to allow you to select a preferred location view and default home page view, and to let you access recently visited links (such as products, services, and individual pages) more easily. These cookies also permit Travel Guard Group, Inc. to store your recently visited pages so we can display information to you more effectively.

If you disable cookies on your browser, the site will not remember certain functional preferences. You will not be able to access a preferred location view, a customized default home page view, or your recently visited links.

We may share cookie information with Travel Guard Group, Inc. affiliated companies and third party business partners and service providers so that we can continue improving this site and the services available to you. We collect and share this information only in aggregated, non-personally identifiable format. For example, we may tell the Travel Guard Group, Inc. affiliated companies how many users viewed a particular product page during a given month.

We may also use a service that collects data remotely by using web beacons or tags embedded in our site's content. The data we collect includes which operating system and browser you use, how you navigate to and through our site, and how long you stay on our web pages. This information is anonymous and does not include your name, e-mail address, or any other contact information. We share this information with other Travel Guard Group, Inc. affiliated companies and with our third party vendor, Visual Sciences, Inc. ("Visual Sciences"). Visual Sciences gives us reports of this aggregated, anonymous data. We use this data to improve our site by responding to our users' interests and providing more relevant and useful information. To learn more about Visual Sciences' privacy standards and use of web beacons, please visit: http://www.websidestory.com/privacy/privacy-policy.html.

Individuals who submit personally identifiable information via this website acknowledge and agree that the information submitted may be forwarded to the United States or another jurisdiction for processing or in order to respond to inquiries sent by email.

Please note that when you link to any other website from this website, the operator of such other website (whether Travel Guard, a Travel Guard Group, Inc. affiliated company or a third party) may collect information about you, including through cookies or other technologies. In addition, your Internet or other service provider(s) may collect information about or submitted by you while you use the website, or any other website. You acknowledge that information collection or privacy practices of any other party, including Travel Guard Group, Inc. affiliated companies, are not monitored or controlled by Travel Guard Group, Inc. and Travel Guard Group, Inc. is not responsible for such websites. Links on the website to other websites are provided only as a convenience, and the inclusion of such links does not imply endorsement of the linked site. You should review the privacy policies of any other website that you visit to understand how your information is collected and used.

Notwithstanding the information policies stated above, the right to store and disclose to third parties any information under the following circumstances is reserved: when the law permits it (such as, for example, to comply with laws or to respond to governmental authorities); to legal advisors; and to protect the rights, property, safety or security of Travel Guard Group, Inc., Travel Guard Group, Inc. affiliated companies, website visitors or the public.

This Privacy Statement applies solely to online information collection and use practices in connection with this website; it does not apply to any practices conducted offline or in connection with other websites owned or operated by Travel Guard Group, Inc. or any Travel Guard Group, Inc. affiliated company.

MODIFICATION OF THIS PRIVACY POLICY

These policies are subject to change and any changes will be posted on this page. You should periodically check for revisions. Travel Guard Group, Inc. reserves the right to make changes to this Privacy Statement from time to time, which will be provided to you by posting the revised draft of the Statement on this website. You will be able to determine when this Statement was last revised by checking the Last Revised legend at the top of the Statement.

COPYRIGHT

All material contained on this website (including all code) is protected by copyright laws. Except as otherwise expressly provided herein, you may not copy, reproduce, publish, license, modify, create derivative works from, transfer or sell any material contained on the website without the prior written consent of Travel Guard Group, Inc.. All rights are reserved.

©Travel Guard Group, Inc., 2001
Edition: 9/22/08