Privacy Policy

Privacy Policy

  • Privacy Policy

    Effective Date: January 1, 2020

    Mitsui Sumitomo Marine Management (U.S.A.), Inc. (“MSIG”, which includes MSIG Holdings (U.S.A.), Inc., Mitsui Sumitomo Insurance Company of America, Mitsui Sumitomo Insurance USA Inc., MSIG Specialty Insurance USA Inc., and Seven Hills Insurance Agency LLC) respects the privacy of our Customers and our website users. We use information you provide to better serve your insurance needs. We also recognize that this information belongs to you and that we must treat it accordingly. The following statement spells out our privacy policy in more detail. The privacy policy only applies to www.MSIGUSA.com.

    Explanation of Terms Used

    • Claimant – a person or entity that makes a claim under our insurance policy(s).
    • Customer – a purchaser of our insurance policy(s). In the case of Seven Hills Insurance Agency LLC, a customer is a purchaser of insurance through Seven Hills Insurance Agency LLC.
    • User – a person using our website.

    Use of Personal Information

    Users are not required to register to access the public pages of MSIG’s websites.

    Personal information that can identify a User, such as name, address or policy information is collected only when voluntarily offered and solely for purposes that are clearly identified on our websites. Access to pages with content specific to agents, brokers or Customers is password-protected and requires pre-registration. Personal information acquired through the registration process is kept confidential and will not be disclosed to third parties except as may be required by law, to comply with a subpoena, court order or other regulatory or governmental requirement, or as necessary for business purposes and audit certifications under an appropriate confidentiality agreement. MSIG’s websites are not directed to children and we do not knowingly collect personal information from children.

    Use of Customer Information

    MSIG’s policy is to limit access to Customer information to those who need it to serve Customers’ insurance needs. We do not disclose Customer information to third parties other than our agents and brokers, except as necessary to conduct business, e.g., settling claims. We do not conduct direct online or telephone sales programs to our Customers using information obtained from our websites without prior consent.

    Categories of Information Collected

    Personal information that is voluntarily provided to us by Customers or Claimants may include identifying information and physical, medical and health information.

    We may use or disclose the personal information we collect for one or more of the following purposes:

    • Underwrite, rate and service insurance,
    • Process claims,
    • Create and market insurance products and services,
    • Investigate potential fraud,
    • Satisfy legal and regulatory requirements,
    • Protect our rights, privacy, safety or property, and/or that of you or others,
    • 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, and
    • Other business purposes and activities allowed by law.

    Use of Tracking and Cookies

    The MSIG Websites do not respond to “do not track signals”. The MSIG Websites does not use tracking devices and do not use cookies.

    Security

    MSIG maintains physical, electronic, and procedural safeguards to protect your personal information from unauthorized access. MSIG will use industry-standard encryption technologies when transferring confidential medical and claims information. Authorized/registered users will be redirected to a secure server. Depending on the browser/browser setting, a pop up screen may appear notifying the User of a secure environment inside our website.

    Nevertheless, transmission via the Internet and online digital storage are not completely secure and MSIG cannot guarantee the security of information you send to us online.

    Consent

    By using this website, you signify your consent to MSIG’s online privacy policy. If you do not agree to this policy, please do not use this website. We reserve the right to change this policy at any time. We will place updates on our website.

    Contact

    If you have any questions or comments about this privacy policy contact MSIG’s Privacy Officer by sending an email to privacyofficer@msigusa.com or by mail sent to following address:

    Mitsui Sumitomo Marine Management (U.S.A.), Inc.
    Attention: Privacy Officer
    Privacy Inquiries
    15 Independence Blvd., P.O. Box 4602
    Warren, NJ 07059-0602

California Residents

This section provides additional information for California Residents.

  • PRIVACY STATEMENT – CALIFORNIA – Commercial Insurance
    This Privacy Statement – California – Commercial Insurance supplements the information contained in the MSIGUSA.com Privacy Policy (MSIG is “we,” “us,” or “our”) and applies solely to Customers, Claimants, and consumers who reside in the State of California (“consumers” or “you”). A separate Privacy Statement applies to Seven Hills Insurance Agency LLC.

    This Privacy Statement describes our collection, use and disclosure of California Consumer personal information (“PI”) as well as the rights California Consumers have under the California Consumer Privacy Act of 2018 (“CCPA”) and other California privacy laws.

    Collection and Use of Personal Information

    The table below shows the types of PI we may collect, the sources from which we may collect this information, why we collect it, and with whom we may share it. The chart is representative.

    We will not collect additional categories of PI or use the PI we collected for materially different, unrelated, or incompatible purposes without providing notice.

    When we disclose PI to a service provider, we do so for a business purpose and pursuant to a written contract that describes the business purpose(s) for the disclosure, specifies the services to be performed, and prohibits the recipient from further using, retaining, or disclosing the PI other than as specified in the contract. We may also disclose PI pursuant to an exemption from the CCPA.

    Your Rights and Choices

    The CCPA provides California Consumers with specific rights regarding their PI. You may also appoint a representative to exercise your rights. This section describes your CCPA rights and explains how to exercise those rights.

    Access to Categories of Information and Specific Information Rights

    You have the right to request that we disclose certain information to you about our collection and use of your PI over the past 12 months. You are limited to two requests in a 12-month period. Once we receive and confirm your verifiable consumer request, we can disclose to you:

    • The categories of PI we collected about you.
    • The categories of sources for the PI we collected about you.
    • Our business or commercial purpose for collecting that personal information.
    • The categories of third parties with whom we share that personal information.
    • The specific pieces of PI we collected about you.
    • If we disclosed your PI for a business purpose, a list identifying the PI categories that each category of recipient obtained.

    Deletion Request Right

    You (California Consumers) have the right to request that we delete any of your PI that we collected directly from you and retained, subject to certain exceptions. Once we receive and confirm your verifiable consumer request, we will delete your PI from our records, unless an exception applies.

    Verifiable Consumer Request

    You may exercise your access and deletion rights described above by submitting a verifiable consumer request to us. A verifiable consumer request is a request made by a consumer, by a consumer on behalf of the consumer’s minor child, or by a person registered with the California Secretary of State and that we can reasonably verify that the consumer is the consumer about whom we have collected PI.

    To verify the consumer we will need your name, policy number and/or claim number.

    Your request should also have sufficient detail that allows us to properly understand, evaluate, and respond to it. In other words, tell us if you are requesting categories of information we collect, specific information we collect, or requesting deletion of your PI.

    Verifiable consumer requests should be sent to us at the contact information below.

    We will make commercially reasonable efforts to identify your PI and to respond to requests, but if we cannot identify your PI, we will tell you. You may submit additional information for us to search again. If there is irrelevant or voluminous data, we may provide a summary of that data or may request a fee for collecting and sending your PI to you. We may verify a requestor’s identity by matching known information internally or via an outside service.

    We cannot respond to your request or provide you with PI if we cannot verify your identity or authority to make the request and confirm the PI relates to you. We will only use PI provided in a verifiable consumer request to verify the requestor’s identity or authority to make the request, unless the information was provided for another purpose.

    “Do Not Sell”

    We do not sell PI. In the preceding 12 months we have not sold PI as defined under the CCPA, and until such time as our practices change by updating this Privacy Notice, we will treat PI collected under this Privacy Statement as subject to a “do not sell” request.

    Non-Discrimination

    We will not discriminate against you for exercising any of your CCPA rights. Unless permitted by the CCPA, we will not:

    • Deny you goods or services.
    • Charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties.
    • Provide you a different level or quality of goods or services.
    • Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.

    Minors

    MSIG’s websites are not directed to children and we do not knowingly collect personal information from children.

    Changes to Our Privacy Statement

    We reserve the right to change this Privacy Statement at any time. We will place updates on our website.

    Contact Information

    If you have any questions or comments about this Privacy Statement – California – Commercial Insurance, our Privacy Policy, the ways in which we collect and use your PI, your choices and rights regarding such use, or wish to exercise your rights under California law, contact MSIG’s Privacy Officer by one of the following methods:

    Mail: Mitsui Sumitomo Marine Management (U.S.A.), Inc.
    Attention:  Privacy Officer
    Privacy Inquiries
    15 Independence Blvd., P.O. Box 4602
    Warren, NJ 07059-0602

    Email: privacyofficer@msigusa.com

    Web: www.msigusa.com

    Toll-free Number: 800-388-1802.

    Last updated January 1, 2020

  • PRIVACY STATEMENT – CALIFORNIA – Seven Hills Insurance Agency

    This section provides additional information for California Residents specific to Seven Hills Insurance Agency LLC and supplements the information contained in the MSIGUSA.com Privacy Policy (Seven Hills Insurance Agency is “we,” “us,” or “our”) and applies solely to our Customers (consumers who purchase personal insurance through Seven Hills Insurance Agency), who reside in the State of California (“consumers” or “you”). This Privacy Statement describes our collection, use and disclosure of California Consumer personal information (“PI”) as well as the rights consumers have under the California Consumer Privacy Act of 2018 (“CCPA”) and other California privacy laws. This Privacy Statement does not apply to MSIG or the insurers we work with.

    Collection and Use of Personal Information

    The table below shows the types of personal information we may collect, the sources from which we may collect this information, why we collect it, and with whom we may share it. The chart is representative.

    We will not collect additional categories of personal information or use the personal information we collected for materially different, unrelated, or incompatible purposes without providing notice.

    When we disclose PI to a service provider, we do so for a business purpose and pursuant to a written contract that describes the business purpose(s) for the disclosure, specifies the services to be performed, and prohibits the recipient from further using, retaining, or disclosing the PI other than as specified in the contract. We may also disclose PI pursuant to an exemption from the CCPA.

    Your Rights and Choices

    The CCPA provides California Consumers with specific rights regarding their personal information. You may also appoint a representative to exercise your rights. This section describes your CCPA rights and explains how to exercise those rights.

    Access to Categories of Information and Specific Information Rights

    You have the right to request that we disclose certain information to you about our collection and use of your personal information over the past 12 months. You are limited to two requests in a 12-month period. Once we receive and confirm your verifiable consumer request, we can disclose to you:

    • The categories of personal information we collected about you.
    • The categories of sources for the personal information we collected about you.
    • Our business or commercial purpose for collecting that personal information.
    • The categories of third parties with whom we share that personal information.
    • The specific pieces of personal information we collected about you.
    • If we disclosed your personal information for a business purpose, a list identifying the personal information categories that each category of recipient obtained.

    Deletion Request Right

    You (California consumers) have the right to request that we delete any of your personal information that we collected directly from you and retained, subject to certain exceptions. Once we receive and confirm your verifiable consumer request, we will your personal information from our records, unless an exception applies.

    Verifiable Consumer Request

    You may exercise your access and deletion rights described above by submitting a verifiable consumer request to us. A verifiable consumer request is a request made by a consumer, by a consumer on behalf of the consumer’s minor child, or by a person registered with the California Secretary of State and that we can reasonably verify that the consumer is the consumer about whom we have collected personal information.

    To verify the consumer we will need your name and policy number.

    Your request should also have sufficient detail that allows us to properly understand, evaluate, and respond to it. In other words, tell us if you are requesting categories of information we collect, specific information we collect, or requesting deletion of your personal information.

    Verifiable consumer requests should be sent to us at the contact information below.

    We will make commercially reasonable efforts to identify your PI and to respond to requests, but if we cannot identify your PI, we will tell you.  You may submit additional information for us to search again.  If there is irrelevant or voluminous data, we may provide a summary of that data or may request a fee for collecting and sending your PI to you.  We may verify a requestor’s identity by matching known information internally or via an outside service.

    We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you. We will only use personal information provided in a verifiable consumer request to verify the requestor’s identity or authority to make the request, unless the information was provided for another purpose.

    “Do Not Sell”

    We do not sell PI. In the preceding 12 months we have not sold PI as defined under the CCPA, and until such time as our practices change by updating this Privacy Notice, we will treat PI collected under this Privacy Statement as subject to a “do not sell” request.

    Non-Discrimination

    We will not discriminate against you for exercising any of your CCPA rights. Unless permitted by the CCPA, we will not:

    • Deny you goods or services.
    • Charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties.
    • Provide you a different level or quality of goods or services.
    • Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.

    Minors

    Our websites are not directed to children and we do not knowingly collect personal information from children.

    Changes to Our Privacy Statement

    We reserve the right to change this Privacy Statement at any time. We will place updates on our website.

    Contact Information

    If you have any questions or comments about this Privacy Statement – California – Commercial Insurance, our Privacy Policy, the ways in which we collect and use your PI, your choices and rights regarding such use, or wish to exercise your rights under California law, contact MSIG’s Privacy Officer by one of the following methods:

    Mail: Mitsui Sumitomo Marine Management (U.S.A.), Inc.
    Attention:  Privacy Officer
    Privacy Inquiries
    15 Independence Blvd., P.O. Box 4602
    Warren, NJ 07059-0602

    Email: privacyofficer@msigusa.com

    Web: www.msigusa.com

    Toll-free Number: 800-388-1802.

    Last updated January 1, 2020