This policy is to inform California residents of ICW Group’s practices regarding the collection, use, disclosure and sale (if any) of personal information. The categories of information that ICW Group may collect, sources of the information, purposes for collecting it, and how ICW Group uses information, are described below.
The following summarizes the categories of personal information that ICW Group may collect, the categories of sources from which we may obtain the information, the purposes for which it is collected, and whether or how ICW Group may disclose, sell or share it with others. ICW Group has not sold, transferred for value, or shared any category of personal information with a third party for marketing purposes in the past 12 months.
A. Identifiers such as your real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, or other similar identifiers
ICW Group may collect such information from you, directly or indirectly through activity on our website, from your employer, from medical records, or from third parties that interact with us in connection with the products or services we provide. See also Sensitive information Categories L-1 and L-2 below.
- Purposes for Collection:
For everyday business purposes; For insurance applications, contracts, transactions, claims and benefit determinations; To support, change, improve and develop our products and services; To fulfill the reasons for which personal information was provided; For human resource purposes if you are a job applicant, past or present employee, officer, director or independent contractor; To present our website content to you; To notify you of changes to our website, policies, products or services; For research, analysis, modeling, marketing, or advertising purposes; Fraud detection and prevention; To respond to law enforcement requests and as required by appliable law, court order or governmental regulation; To protect the rights, property or safety of ICW Group, our partners, employees and others; To help maintain the safety, security and integrity of our systems, services, databases and other assets; and For other purposes as allowed by law.
- Third Parties to Whom ICW May Disclose Your Information:
ICW Group affiliates; Insurance agents, brokers, adjusters and examiners; Service providers, contractors and similar third parties; Your employer or our policyholder in connection with a claim for benefits or insurance coverage; Governmental agencies, insurance regulators or law enforcement officials; Credit bureaus, collection agencies, and similar parties providing financial services, and accounts receivables analysis or servicing; and Other financial companies for joint marketing purposes. ICW Group has disclosed such information to third parties for business purposes in the past 12 months.
- Third Parties with Whom ICW May Share Your Information (a) for Marketing purposes, or (b) as part of a sale or in exchange for value received by ICW Group:
ICW Group may share information concerning companies applying for and owners of ICW insurance policies (a) with our affiliates or other financial companies for marketing purposes, or (b) as part of a sale or in exchange for value in connection with accounts receivables management, credit, collections, and similar financial matters. ICW Group does not share or sell this type of information to third parties for marketing purposes or in exchange for value if such information is personally identifiable to individuals acting for non-business purposes, such as individuals presenting claims for injuries, benefits or damages; job applicants; or past or present ICW Group employees, officers or directors.
B. Personal information as defined in the California Customer Records Act, Civ. Code Sec. 1798.80(e), including without limitation your signature, physical characteristics or description, street address, telephone number, insurance policy number, educational information, work and employment information, performance reviews, employment history, financial information, and health insurance information.
ICW Group may collect such information from you, directly or indirectly through activity on our website, from your employer, from medical records, or from third parties that interact with us in connection with the products or services we provide. See also Identifiers Category A above; and Sensitive information Categories L-1, L-2, L-4 & L-8 below.
- Purposes for Collection:
For everyday business purposes; For insurance applications, contracts, transactions, claims and benefit determinations; To support, change, improve and develop our products and services; To fulfill the reasons for which personal information was provided; For human resource purposes if you are a job applicant, past or present employee, officer, director or independent contractor; To present our website content to you; To notify you of changes to our website, policies, products or services; For research, analysis, modeling, marketing, or advertising purposes; Fraud detection and prevention; To respond to law enforcement requests and as required by appliable law, court order or governmental regulation; To protect the rights, property or safety of ICW Group, our partners, employees and others; To help maintain the safety, security and integrity of our systems, services, databases and other assets; and For other purposes as allowed by law.
- Third Parties to Whom ICW May Disclose Your Information:
ICW Group affiliates; Insurance agents, brokers, adjusters and examiners; Service providers, contractors and similar third parties; Your employer or our policyholder in connection with a claim for benefits or insurance coverage; Governmental agencies, insurance regulators or law enforcement officials; Credit bureaus, collection agencies, and similar parties providing financial services, and accounts receivables analysis or servicing; and Other financial companies for joint marketing purposes. ICW Group has disclosed such information to third parties for business purposes in the past 12 months. - Third Parties with Whom ICW May Share Your Information (a) for Marketing purposes, or (b) as part of a sale or in exchange for value received by ICW Group:
ICW Group may share information concerning companies applying for and owners of ICW insurance policies (a) with our affiliates or other financial companies for marketing purposes, or (b) as part of a sale or in exchange for value in connection with accounts receivables management, credit, collections, and similar financial matters. ICW Group does not share or sell this type of information to third parties for marketing purposes or in exchange for value if such information is personally identifiable to individuals acting for non-business purposes, such as individuals presenting claims for injuries, benefits or damages; job applicants; or past or present ICW Group employees, officers or directors.
C. Characteristics of protected classifications under California or federal law, including without limitation a consumers age, ancestry, citizenship, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and relate medical conditions), veteran or military status, and familial genetic information.
ICW Group may receive this information if you or your employer provide it to us. Such information is sometimes revealed in medical records or other information provided by third parties in the course of making or processing a claim for insurance benefits. See also Sensitive information Categories L-1, L-2, L-4, L-6, L-8 and L-9 below.
- Purposes for Collection:
For everyday business purposes; For insurance applications, contracts, transactions, claims and benefit determinations; To support, change, improve and develop our products and services; To fulfill the reasons for which personal information was provided; For human resource purposes if you are a job applicant, past or present employee, officer, director or independent contractor; To present our website content to you; To notify you of changes to our website, policies, products or services; For research, analysis, modeling, marketing, or advertising purposes; Fraud detection and prevention; To respond to law enforcement requests and as required by appliable law, court order or governmental regulation; To protect the rights, property or safety of ICW Group, our partners, employees and others; To help maintain the safety, security and integrity of our systems, services, databases and other assets; and For other purposes as allowed by law.
- Third Parties to Whom ICW May Disclose Your Information:
ICW Group affiliates; Insurance agents, brokers, adjusters and examiners; Service providers, contractors and similar third parties; Your employer or our policyholder in connection with a claim for benefits or insurance coverage; Governmental agencies, insurance regulators or law enforcement officials; Credit bureaus, collection agencies, and similar parties providing financial services, and accounts receivables analysis or servicing; and Other financial companies for joint marketing purposes. ICW Group has disclosed such information to third parties for business purposes in the past 12 months. - Third Parties with Whom ICW May Share Your Information (a) for Marketing purposes, or (b) as part of a sale or in exchange for value received by ICW Group:
ICW Group does not share or sell this type of information to third parties for marketing purposes or in exchange for value if such information is personally identifiable to individuals acting for non-business purposes, such as individuals presenting claims for injuries, benefits or damages; job applicants; or past or present ICW Group employees, officers or directors.
D. Commercial information, including records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies
ICW Group may receive such information if you provide it to us, or if revealed in medical records or other information provided by third parties in the course of making or processing a claim for insurance benefits. See also Sensitive information Categories L-2 and L-5 below.
- Purposes for Collection:
For everyday business purposes; For insurance applications, contracts, transactions, claims and benefit determinations; To support, change, improve and develop our products and services; To fulfill the reasons for which personal information was provided; For human resource purposes if you are a job applicant, past or present employee, officer, director or independent contractor; To present our website content to you; To notify you of changes to our website, policies, products or services; For research, analysis, modeling, marketing, or advertising purposes; Fraud detection and prevention; To respond to law enforcement requests and as required by appliable law, court order or governmental regulation; To protect the rights, property or safety of ICW Group, our partners, employees and others; To help maintain the safety, security and integrity of our systems, services, databases and other assets; and For other purposes as allowed by law.
- Third Parties to Whom ICW May Disclose Your Information:
ICW Group affiliates; Insurance agents, brokers, adjusters and examiners; Service providers, contractors and similar third parties; Your employer or our policyholder in connection with a claim for benefits or insurance coverage; Governmental agencies, insurance regulators or law enforcement officials; Credit bureaus, collection agencies, and similar parties providing financial services, and accounts receivables analysis or servicing; and Other financial companies for joint marketing purposes. ICW Group has disclosed such information to third parties for business purposes in the past 12 months. - Third Parties with Whom ICW May Share Your Information (a) for Marketing purposes, or (b) as part of a sale or in exchange for value received by ICW Group:
ICW Group may share information concerning companies applying for and owners of ICW insurance policies (a) with our affiliates or other financial companies for marketing purposes, or (b) as part of a sale or in exchange for value in connection with accounts receivables management, credit, collections, and similar financial matters. ICW Group does not share or sell this type of information to third parties for marketing purposes or in exchange for value if such information is personally identifiable to individuals acting for non-business purposes, such as individuals presenting claims for injuries, benefits or damages; job applicants; or past or present ICW Group employees, officers or directors.
E. Biometric information
ICW Group may receive such information from you if you provide it to us, directly or indirectly. Such information is sometimes revealed in medical records or other information provided by third parties in the course of making or processing a claim for insurance benefits. See also Sensitive information Categories L-6 and L-8 below.
- Purposes for Collection:
For everyday business purposes; For insurance applications, contracts, transactions, claims and benefit determinations; To support, change, improve and develop our products and services; To fulfill the reasons for which personal information was provided; For human resource purposes if you are a job applicant, past or present employee, officer, director or independent contractor; To present our website content to you; To notify you of changes to our website, policies, products or services; For research, analysis, modeling, marketing, or advertising purposes; Fraud detection and prevention; To respond to law enforcement requests and as required by appliable law, court order or governmental regulation; To protect the rights, property or safety of ICW Group, our partners, employees and others; To help maintain the safety, security and integrity of our systems, services, databases and other assets; and For other purposes as allowed by law. - Third Parties to Whom ICW May Disclose Your Information:
ICW Group affiliates; Insurance agents, brokers, adjusters and examiners; Service providers, contractors and similar third parties; Your employer or our policyholder in connection with a claim for benefits or insurance coverage; Governmental agencies, insurance regulators or law enforcement officials; Credit bureaus, collection agencies, and similar parties providing financial services, and accounts receivables analysis or servicing; and Other financial companies for joint marketing purposes. ICW Group has disclosed such information to third parties for business purposes in the past 12 months. - Third Parties with Whom ICW May Share Your Information (a) for Marketing purposes, or (b) as part of a sale or in exchange for value received by ICW Group:
ICW Group does not share or sell this type of information to third parties for marketing purposes or in exchange for value.
F. Internet or other electronic network activity information, including, but not limited to, browsing history, search history, and information regarding a consumer’s interaction with an internet website application, or advertisement
ICW Group may receive such information from you, directly or indirectly. See also Sensitive information Categories L-2 and L-5 below.
- Purposes for Collection:
For everyday business purposes; For insurance applications, contracts, transactions, claims and benefit determinations; To support, change, improve and develop our products and services; To fulfill the reasons for which personal information was provided; For human resource purposes if you are a job applicant, past or present employee, officer, director or independent contractor; To present our website content to you; To notify you of changes to our website, policies, products or services; For research, analysis, modeling, marketing, or advertising purposes; Fraud detection and prevention; To respond to law enforcement requests and as required by appliable law, court order or governmental regulation; To protect the rights, property or safety of ICW Group, our partners, employees and others; To help maintain the safety, security and integrity of our systems, services, databases and other assets; and For other purposes as allowed by law. - Third Parties to Whom ICW May Disclose Your Information:
ICW Group affiliates; Insurance agents, brokers, adjusters and examiners; Service providers, contractors and similar third parties; Your employer or our policyholder in connection with a claim for benefits or insurance coverage; Governmental agencies, insurance regulators or law enforcement officials; Credit bureaus, collection agencies, and similar parties providing financial services, and accounts receivables analysis or servicing; and Other financial companies for joint marketing purposes. ICW Group has disclosed such information to third parties for business purposes in the past 12 months. - Third Parties with Whom ICW May Share Your Information (a) for Marketing purposes, or (b) as part of a sale or in exchange for value received by ICW Group:
ICW Group may share information concerning companies applying for and owners of ICW insurance policies (a) with our affiliates or other financial companies for marketing purposes, or (b) as part of a sale or in exchange for value in connection with accounts receivables management, credit, collections, and similar financial matters. ICW Group does not share or sell this type of information to third parties for marketing purposes or in exchange for value if such information is personally identifiable to individuals acting for non-business purposes, such as individuals presenting claims for injuries, benefits or damages; job applicants; or past or present ICW Group employees, officers or directors.
G. Geolocation data
ICW Group may receive such information from you, directly or indirectly. Location information is sometimes revealed in medical records or other information provided by third parties in the course of making or processing a claim for insurance benefits. See also Sensitive information Category L-3 below.
- Purposes for Collection:
For everyday business purposes; For insurance applications, contracts, transactions, claims and benefit determinations; To support, change, improve and develop our products and services; To fulfill the reasons for which personal information was provided; For human resource purposes if you are a job applicant, past or present employee, officer, director or independent contractor; To present our website content to you; To notify you of changes to our website, policies, products or services; For research, analysis, modeling, marketing, or advertising purposes; Fraud detection and prevention; To respond to law enforcement requests and as required by appliable law, court order or governmental regulation; To protect the rights, property or safety of ICW Group, our partners, employees and others; To help maintain the safety, security and integrity of our systems, services, databases and other assets; and For other purposes as allowed by law.
- Third Parties to Whom ICW May Disclose Your Information:
ICW Group affiliates; Insurance agents, brokers, adjusters and examiners; Service providers, contractors and similar third parties; Your employer or our policyholder in connection with a claim for benefits or insurance coverage; Governmental agencies, insurance regulators or law enforcement officials; Credit bureaus, collection agencies, and similar parties providing financial services, and accounts receivables analysis or servicing; and Other financial companies for joint marketing purposes. ICW Group has disclosed such information to third parties for business purposes in the past 12 months.
- Third Parties with Whom ICW May Share Your Information (a) for Marketing purposes, or (b) as part of a sale or in exchange for value received by ICW Group:
ICW Group may share information concerning companies applying for and owners of ICW insurance policies (a) with our affiliates or other financial companies for marketing purposes, or (b) as part of a sale or in exchange for value in connection with accounts receivables management, credit, collections, and similar financial matters. ICW Group does not share or sell this type of information to third parties for marketing purposes or in exchange for value if such information is personally identifiable to individuals acting for non-business purposes, such as individuals presenting claims for injuries, benefits or damages; job applicants; or past or present ICW Group employees, officers or directors.
H. Audio, electronic, visual, thermal, olfactory, or similar information
ICW Group may receive such information from you, directly or indirectly, such as through your telephone and email communications with our company. Such information is sometimes revealed in medical records or other information provided by third parties in the course of making or processing a claim for insurance benefits. See also Sensitive information Categories L-2, L-5, L-6 and L-8 below.
- Purposes for Collection:
For everyday business purposes; For insurance applications, contracts, transactions, claims and benefit determinations; To support, change, improve and develop our products and services; To fulfill the reasons for which personal information was provided; For human resource purposes if you are a job applicant, past or present employee, officer, director or independent contractor; To present our website content to you; To notify you of changes to our website, policies, products or services; For research, analysis, modeling, marketing, or advertising purposes; Fraud detection and prevention; To respond to law enforcement requests and as required by appliable law, court order or governmental regulation; To protect the rights, property or safety of ICW Group, our partners, employees and others; To help maintain the safety, security and integrity of our systems, services, databases and other assets; and For other purposes as allowed by law.
- Third Parties to Whom ICW May Disclose Your Information:
ICW Group affiliates; Insurance agents, brokers, adjusters and examiners; Service providers, contractors and similar third parties; Your employer or our policyholder in connection with a claim for benefits or insurance coverage; Governmental agencies, insurance regulators or law enforcement officials; Credit bureaus, collection agencies, and similar parties providing financial services, and accounts receivables analysis or servicing; and Other financial companies for joint marketing purposes. ICW Group has disclosed such information to third parties for business purposes in the past 12 months.
- Third Parties with Whom ICW May Share Your Information (a) for Marketing purposes, or (b) as part of a sale or in exchange for value received by ICW Group:
ICW Group may share information concerning companies applying for and owners of ICW insurance policies (a) with our affiliates or other financial companies for marketing purposes, or (b) as part of a sale or in exchange for value in connection with accounts receivables management, credit, collections, and similar financial matters. ICW Group does not share or sell this type of information to third parties for marketing purposes or in exchange for value if such information is personally identifiable to individuals acting for non-business purposes, such as individuals presenting claims for injuries, benefits or damages; job applicants; or past or present ICW Group employees, officers or directors.
I. Professional or employment-related information
ICW Group may collect such information from you, directly or indirectly, through activity on our website, from your employer, from medical records, or from third parties that interact with us in connection with the products or services we provide. See also Sensitive information Category L-5 below.
- Purposes for Collection:
For everyday business purposes; For insurance applications, contracts, transactions, claims and benefit determinations; To support, change, improve and develop our products and services; To fulfill the reasons for which personal information was provided; For human resource purposes if you are a job applicant, past or present employee, officer, director or independent contractor; To present our website content to you; To notify you of changes to our website, policies, products or services; For research, analysis, modeling, marketing, or advertising purposes; Fraud detection and prevention; To respond to law enforcement requests and as required by appliable law, court order or governmental regulation; To protect the rights, property or safety of ICW Group, our partners, employees and others; To help maintain the safety, security and integrity of our systems, services, databases and other assets; and For other purposes as allowed by law.
- Third Parties to Whom ICW May Disclose Your Information:
ICW Group affiliates; Insurance agents, brokers, adjusters and examiners; Service providers, contractors and similar third parties; Your employer or our policyholder in connection with a claim for benefits or insurance coverage; Governmental agencies, insurance regulators orlaw enforcement officials; Credit bureaus, collection agencies, and similar parties providing financial services, and accounts receivables analysis or servicing; and Other financial companies for joint marketing purposes. ICW Group has disclosed such information to third parties for business purposes in the past 12 months.
- Third Parties with Whom ICW May Share Your Information (a) for Marketing purposes, or (b) as part of a sale or in exchange for value received by ICW Group:
ICW Group may share information concerning companies applying for and owners of ICW insurance policies (a) with our affiliates or other financial companies for marketing purposes, or (b) as part of a sale or in exchange for value in connection with accounts receivables management, credit, collections, and similar financial matters. ICW Group does not share or sell this type of information to third parties for marketing purposes or in exchange for value if such information is personally identifiable to individuals acting for non-business purposes, such as individuals presenting claims for injuries, benefits or damages; job applicants; or past or present ICW Group employees, officers or directors.
J. Education information
ICW Group may collect such information from you, directly or indirectly, through activity on our website, from your employer, from medical records, or from third parties that interact with us in connection with the products or services we provide.
- Purposes for Collection:
For everyday business purposes; For insurance applications, contracts, transactions, claims and benefit determinations; To support, change, improve and develop our products and services; To fulfill the reasons for which personal information was provided; For human resource purposes if you are a job applicant, past or present employee, officer, director or independent contractor; To present our website content to you; To notify you of changes to our website, policies, products or services; For research, analysis, modeling, marketing, or advertising purposes; Fraud detection and prevention; To respond to law enforcement requests and as required by appliable law, court order or governmental regulation; To protect the rights, property or safety of ICW Group, our partners, employees and others; To help maintain the safety, security and integrity of our systems, services, databases and other assets; and For other purposes as allowed by law. - Third Parties to Whom ICW May Disclose Your Information:
ICW Group affiliates; Insurance agents, brokers, adjusters and examiners; Service providers, contractors and similar third parties; Your employer or our policyholder in connection with a claim for benefits or insurance coverage; Governmental agencies, insurance regulators or law enforcement officials; Credit bureaus, collection agencies, and similar parties providing financial services, and accounts receivables analysis or servicing; and Other financial companies for joint marketing purposes. ICW Group has disclosed such information to third parties for business purposes in the past 12 months. - Third Parties with Whom ICW May Share Your Information (a) for Marketing purposes, or (b) as part of a sale or in exchange for value received by ICW Group:
ICW Group may share information concerning companies applying for and owners of ICW insurance policies (a) with our affiliates or other financial companies for marketing purposes, or (b) as part of a sale or in exchange for value in connection with accounts receivables management, credit, collections, and similar financial matters. ICW Group does not share or sell this type of information to third parties for marketing purposes or in exchange for value if such information is personally identifiable to individuals acting for non-business purposes, such as individuals presenting claims for injuries, benefits or damages; job applicants; or past or present ICW Group employees, officers or directors.
K. Inferences drawn from any of the information identified in this subdivision to create a profile about a consumer reflecting the consumer’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes
ICW Group does not collect or process Sensitive personal information for purposes of creating a profile about an individual inferring characteristics about a consumer in their individual capacity. It could potentially be possible for someone to draw inferences from personal information received from you, directly or indirectly, through your activity on our website, in your communications with ICW Group, from your employer, from medical records, or from third parties that interact with us in connection with the products or services we provide. See also Sensitive information Categories L-1 through L-9 below.
- Purposes for Collection:
For everyday business purposes; For insurance applications, contracts, transactions, claims and benefit determinations; To support, change, improve and develop our products and services; To fulfill the reasons for which personal information was provided; For human resource purposes if you are a job applicant, past or present employee, officer, director or independent contractor; To present our website content to you; To notify you of changes to our website, policies, products or services; For research, analysis, modeling, marketing, or advertising purposes; Fraud detection and prevention; To respond to law enforcement requests and as required by appliable law, court order or governmental regulation; To protect the rights, property or safety of ICW Group, our partners, employees and others; To help maintain the safety, security and integrity of our systems, services, databases and other assets; and For other purposes as allowed by law.
- Third Parties to Whom ICW May Disclose Your Information:
ICW Group affiliates; Insurance agents, brokers, adjusters and examiners; Service providers, contractors and similar third parties; Your employer or our policyholder in connection with a claim for benefits or insurance coverage; Governmental agencies, insurance regulators or law enforcement officials; Credit bureaus, collection agencies, and similar parties providing financial services, and accounts receivables analysis or servicing; and Other financial companies for joint marketing purposes. ICW Group has not disclosed such information to third parties for business purposes in the past 12 months. - Third Parties with Whom ICW May Share Your Information (a) for Marketing purposes, or (b) as part of a sale or in exchange for value received by ICW Group:
ICW Group may share information concerning companies applying for and owners of ICW insurance policies (a) with our affiliates or other financial companies for marketing purposes, or (b) as part of a sale or in exchange for value in connection with accounts receivables management, credit, collections, and similar financial matters. ICW Group does not share or sell this type of information to third parties for marketing purposes or in exchange for value if such information is personally identifiable to individuals acting for non-business purposes, such as individuals presenting claims for injuries, benefits or damages; job applicants; or past or present ICW Group employees, officers or directors.
L-1. Sensitive personal information Social Security number, driver’s license, state identification card, or passport number
ICW Group may collect such information from you, directly or indirectly through activity on our website, from your employer, from your medical records, or from third parties that interact with us in connection with the products or services we provide.
- Purposes for Collection:
For everyday business purposes; For insurance applications, contracts, transactions, claims and benefit determinations; To support, change, improve and develop our products and services; To fulfill the reasons for which personal information was provided; For human resource purposes if you are job applicant, past or present employee, officer, director or independent contractor; To present our website content to you; To notify you of changes to our website, policies, products or services; For research, analysis, modeling, marketing, or advertising purposes; Fraud detection and prevention; To respond to law enforcement requests and as required by appliable law, court order or governmental regulation; To protect the rights, property or safety of ICW Group, our partners, employees and others; To help maintain the safety, security and integrity of our systems, services, databases and other assets; and For other purposes as allowed by law.
- Third Parties to Whom ICW May Disclose Your Information:
ICW Group affiliates; Insurance agents, brokers, adjusters and examiners; Service providers, contractors and similar third parties; Your employer or our policyholder in connection with a claim for benefits or insurance coverage; Governmental agencies, insurance regulators or law enforcement officials; Credit bureaus, collection agencies, and similar parties providing financial services, and accounts receivables analysis or servicing; and Other financial companies for joint marketing purposes. ICW Group has disclosed such information to third parties for business purposes in the past 12 months. - Third Parties with Whom ICW May Share Your Information (a) for Marketing purposes, or (b) as part of a sale or in exchange for value received by ICW Group:
ICW Group does not sell or share any individuals Social Security number, drivers license or state ID number or passport number (a) for marketing purposes, (b) nor as part of a sale or transfer of personally identifiable information in exchange for value.
L-2. Sensitive personal information – Account log-in, financial account, debit card, or credit card number in combination with any required security or access code, password, or credentials allowing access to an account
ICW Group may collect such information from you, directly or indirectly through activity on our website, or from third parties that interact with us in connection with the products or services we provide.
- Purposes for Collection:
For everyday business purposes; For insurance applications, contracts, transactions, claims and benefit determinations; To support, change, improve and develop our products and services; To fulfill the reasons for which personal information was provided; For human resource purposes if you are a job applicant, past or present employee, officer, director or independent contractor; To present our website content to you; To notify you of changes to our website, policies, products or services; For research, analysis, modeling, marketing, or advertising purposes; Fraud detection and prevention; To respond to law enforcement requests and as required by appliable law, court order or governmental regulation; To protect the rights, property or safety of ICW Group, our partners, employees and others; To help maintain the safety, security and integrity of our systems, services, databases and other assets; and For other purposes as allowed by law. - Third Parties to Whom ICW May Disclose Your Information:
ICW Group affiliates; Insurance agents, brokers, adjusters and examiners; Service providers, contractors and similar third parties; Your employer or our policyholder in connection with a claim for benefits or insurance coverage; Governmental agencies, insurance regulators or law enforcement officials; Credit bureaus, collection agencies, and similar parties providing financial services, and accounts receivables analysis or servicing; and Other financial companies for joint marketing purposes. ICW Group has disclosed such information to third parties for business purposes in the past 12 months. - Third Parties with Whom ICW May Share Your Information (a) for Marketing purposes, or (b) as part of a sale or in exchange for value received by ICW Group:
ICW Group may share information concerning companies applying for and owners of ICW insurance policies (a) with our affiliates or other financial companies for marketing purposes, or (b) as part of a sale or in exchange for value in connection with accounts receivables management, credit, collections, and similar financial matters. ICW Group does not share or sell this type of information to third parties for marketing purposes or in exchange for value if such information is personally identifiable to individuals acting for non-business purposes, such as individuals presenting claims for injuries, benefits or damages; job applicants; or past or present ICW Group employees, officers or directors.
L-3. Sensitive personal information – Precise geolocation
ICW Group does not intentionally collect or retain precise geolocation information about consumers.
- Purposes for Collection:
For everyday business purposes; For insurance applications, contracts, transactions, claims and benefit determinations; To support, change, improve and develop our products and services; To fulfill the reasons for which personal information was provided; For human resource purposes if you are a job applicant, past or present employee, officer, director or independent contractor; To present our website content to you; To notify you of changes to our website, policies, products or services; For research, analysis, modeling, marketing, or advertising purposes; Fraud detection and prevention; To respond to law enforcement requests and as required by appliable law, court order or governmental regulation; To protect the rights, property or safety of ICW Group, our partners, employees and others; To help maintain the safety, security and integrity of our systems, services, databases and other assets; and For other purposes as allowed by law.
- Third Parties to Whom ICW May Disclose Your Information:
ICW Group affiliates; Insurance agents, brokers, adjusters and examiners; Service providers, contractors and similar third parties; Your employer or our policyholder in connection with a claim for benefits or insurance coverage; Governmental agencies, insurance regulators or law enforcement officials; Credit bureaus, collection agencies, and similar parties providing financial services, and accounts receivables analysis or servicing; and Other financial companies for joint marketing purposes. ICW Group has not disclosed such information to third parties for business purposes in the past 12 months. - Third Parties with Whom ICW May Share Your Information (a) for Marketing purposes, or (b) as part of a sale or in exchange for value received by ICW Group:
ICW Group does not share or sell this type of information to third parties for marketing purposes or in exchange for value if such information is personally identifiable to individuals acting for non-business purposes, such as individuals presenting claims for injuries, benefits or damages; job applicants; or past or present ICW Group employees, officers or directors.
L-4. Sensitive personal information racial or ethnic origin, religious or philosophical beliefs, or union membership
ICW may receive such information from you, directly or indirectly. Such information is sometimes revealed in medical records or other information provided by third parties in the course of making or processing a claim for insurance benefits.
- Purposes for Collection:
For everyday business purposes; For insurance applications, contracts, transactions, claims and benefit determinations; To support, change, improve and develop our products and services; To fulfill the reasons for which personal information was provided; For human resource purposes if you are a job applicant, past or present employee, officer, director or independent contractor; To present our website content to you; To notify you of changes to our website, policies, products or services; For research, analysis, modeling, marketing, or advertising purposes; Fraud detection and prevention; To respond to law enforcement requests and as required by appliable law, court order or governmental regulation; To protect the rights, property or safety of ICW Group, our partners, employees and others; To help maintain the safety, security and integrity of our systems, services, databases and other assets; and For other purposes as allowed by law.
- Third Parties to Whom ICW May Disclose Your Information:
ICW Group affiliates; Insurance agents, brokers, adjusters and examiners; Service providers, contractors and similar third parties; Your employer or our policyholder in connection with a claim for benefits or insurance coverage; Governmental agencies, insurance regulators or law enforcement officials; Credit bureaus, collection agencies, and similar parties providing financial services, and accounts receivables analysis or servicing; and Other financial companies for joint marketing purposes. ICW Group has disclosed such information to third parties for business purposes in the past 12 months. - Third Parties with Whom ICW May Share Your Information (a) for Marketing purposes, or (b) as part of a sale or in exchange for value received by ICW Group:
ICW Group does not share or sell this type of information to third parties for marketing purposes or in exchange for value if such information is personally identifiable to individuals acting for non-business purposes, such as individuals presenting claims for injuries, benefits or damages; job applicants; or past or present ICW Group employees, officers or directors.
L-5. Sensitive personal information – Contents of a consumer’s mail, email, and text messages unless the business is the intended recipient of the communication
ICW Group does not collect, request or retain mail, email or text messages unless an authorized ICW Group representative is the sender or an intended recipient of the communication. ICW Group does not authorize its employees to use company mail, email, or other messaging or communications systems for personal purposes.
- Purposes for Collection:
For everyday business purposes; For insurance applications, contracts, transactions, claims and benefit determinations; To support, change, improve and develop our products and services; To fulfill the reasons for which personal information was provided; For human resource purposes if you are a job applicant, past or present employee, officer, director or independent contractor; To present our website content to you; To notify you of changes to our website, policies, products or services; For research, analysis, modeling, marketing, or advertising purposes; Fraud detection and prevention; To respond to law enforcement requests and as required by appliable law, court order or governmental regulation; To protect the rights, property or safety of ICW Group, our partners, employees and others; To help maintain the safety, security and integrity of our systems, services, databases and other assets; and For other purposes as allowed by law. ICW Group does not sell, rent out, or share with third-parties any cookie consent or consent to use of short message service (SMS), verbatim content of text messaging, or originator opt-in data. ICW Group may share contact information and the substance of information received from users with third-parties as reasonably necessary for ICW Group to provide its products and services to the user or as otherwise permitted by law.
- Third Parties to Whom ICW May Disclose Your Information:
ICW Group affiliates; Insurance agents, brokers, adjusters and examiners; Service providers, contractors and similar third parties; Your employer or our policyholder in connection with a claim for benefits or insurance coverage; Governmental agencies, insurance regulators or law enforcement officials; Credit bureaus, collection agencies, and similar parties providing financial services, and accounts receivables analysis or servicing; and Other financial companies for joint marketing purposes. ICW Group has disclosed such information to third parties for business purposes in the past 12 months. - Third Parties with Whom ICW May Share Your Information (a) for Marketing purposes, or (b) as part of a sale or in exchange for value received by ICW Group:
ICW Group may share information concerning companies applying for and owners of ICW insurance policies (a) with our affiliates or other financial companies for marketing purposes, or (b) as part of a sale or in exchange for value in connection with accounts receivables management, credit, collections, and similar financial matters. ICW Group does not share or sell this type of information to third parties for marketing purposes or in exchange for value if such information is personally identifiable to individuals acting for non-business purposes, such as individuals presenting claims for injuries, benefits or damages; job applicants; or past or present ICW Group employees, officers or directors.
L-6. Sensitive personal information – Genetic data
ICW may receive such information from you, directly or indirectly. Such information is sometimes revealed in medical records or other information provided by third parties in the course of making or processing a claim for insurance benefits.
- Purposes for Collection:
For everyday business purposes; For insurance applications, contracts, transactions, claims and benefit determinations; To support, change, improve and develop our products and services; To fulfill the reasons for which personal information was provided; For human resource purposes if you are a job applicant, past or present employee, officer, director or independent contractor; To present our website content to you; To notify you of changes to our website, policies, products or services; For research, analysis, modeling, marketing, or advertising purposes; Fraud detection and prevention; To respond to law enforcement requests and as required by appliable law, court order or governmental regulation; To protect the rights, property or safety of ICW Group, our partners, employees and others; To help maintain the safety, security and integrity of our systems, services, databases and other assets; and For other purposes as allowed by law. - Third Parties to Whom ICW May Disclose Your Information:
ICW Group affiliates; Insurance agents, brokers, adjusters and examiners; Service providers, contractors and similar third parties; Your employer or our policyholder in connection with a claim for benefits or insurance coverage; Governmental agencies, insurance regulators or law enforcement officials; Credit bureaus, collection agencies, and similar parties providing financial services, and accounts receivables analysis or servicing; and Other financial companies for joint marketing purposes. ICW Group has disclosed such information to third parties for business purposes in the past 12 months. - Third Parties with Whom ICW May Share Your Information (a) for Marketing purposes, or (b) as part of a sale or in exchange for value received by ICW Group:
ICW Group does not share or sell this type of information to third parties for marketing purposes or in exchange for value if such information is personally identifiable to individuals acting for non-business purposes, such as individuals presenting claims for injuries, benefits or damages; job applicants; or past or present ICW Group employees, officers or directors.
L-7. Sensitive personal information – Processing of biometric information for the purpose of uniquely identifying a consumer
ICW Group does not process biometric information for the purposes of uniquely identifying consumers.
- Purposes for Collection:
For everyday business purposes; For insurance applications, contracts, transactions, claims and benefit determinations; To support, change, improve and develop our products and services; To fulfill the reasons for which personal information was provided; For human resource purposes if you are a job applicant, past or present employee, officer, director or independent contractor; To present our website content to you; To notify you of changes to our website, policies, products or services; For research, analysis, modeling, marketing, or advertising purposes; Fraud detection and prevention; To respond to law enforcement requests and as required by appliable law, court order or governmental regulation; To protect the rights, property or safety of ICW Group, our partners, employees and others; To help maintain the safety, security and integrity of our systems, services, databases and other assets; and For other purposes as allowed by law. - Third Parties to Whom ICW May Disclose Your Information:
ICW Group affiliates; Insurance agents, brokers, adjusters and examiners; Service providers, contractors and similar third parties; Your employer or our policyholder in connection with a claim for benefits or insurance coverage; Governmental agencies, insurance regulators or law enforcement officials; Credit bureaus, collection agencies, and similar parties providing financial services, and accounts receivables analysis or servicing; and Other financial companies for joint marketing purposes. ICW Group has not disclosed such information to third parties for business purposes in the past 12 months. - Third Parties with Whom ICW May Share Your Information (a) for Marketing purposes, or (b) as part of a sale or in exchange for value received by ICW Group:
ICW Group does not share or sell this type of information to third parties for marketing purposes or in exchange for value if such information is personally identifiable to individuals acting for non-business purposes, such as individuals presenting claims for injuries, benefits or damages; job applicants; or past or present ICW Group employees, officers or directors.
L-8. Sensitive personal information – Personal information collected and analyzed concerning a consumer’s health
ICW Group may collect such information from you, directly or indirectly through activity on our website, from your employer, from your medical records, or from third parties that interact with us in connection with the products or services we provide.
- Purposes for Collection:
For everyday business purposes; For insurance applications, contracts, transactions, claims and benefit determinations; To support, change, improve and develop our products and services; To fulfill the reasons for which personal information was provided; For human resource purposes if you are a job applicant, past or present employee, officer, director or independent contractor; To present our website content to you; To notify you of changes to our website, policies, products or services; For research, analysis, modeling, marketing, or advertising purposes; Fraud detection and prevention; To respond to law enforcement requests and as required by appliable law, court order or governmental regulation; To protect the rights, property or safety of ICW Group, our partners, employees and others; To help maintain the safety, security and integrity of our systems, services, databases and other assets; and For other purposes as allowed by law. - Third Parties to Whom ICW May Disclose Your Information:
ICW Group affiliates; Insurance agents, brokers, adjusters and examiners; Service providers, contractors and similar third parties; Your employer or our policyholder in connection with a claim for benefits or insurance coverage; Governmental agencies, insurance regulators or law enforcement officials; Credit bureaus, collection agencies, and similar parties providing financial services, and accounts receivables analysis or servicing; and Other financial companies for joint marketing purposes. ICW Group has disclosed such information to third parties for business purposes in the past 12 months. - Third Parties with Whom ICW May Share Your Information (a) for Marketing purposes, or (b) as part of a sale or in exchange for value received by ICW Group:
ICW Group does not share or sell this type of information to third parties for marketing purposes or in exchange for value if such information is personally identifiable to individuals acting for non-business purposes, such as individuals presenting claims for injuries, benefits or damages; job applicants; or past or present ICW Group employees, officers or directors.
L-9. Sensitive personal information – Personal information collected and analyzed concerning a consumer’s sex life or sexual orientation
ICW Group may receive such information if you provide it to us. Such information is sometimes revealed in medical records or other information provided by third parties in the course of making or processing a claim for insurance benefits.
- Purposes for Collection:
For everyday business purposes; For insurance applications, contracts, transactions, claims and benefit determinations; To support, change, improve and develop our products and services; To fulfill the reasons for which personal information was provided; For human resource purposes if you are a job applicant, past or present employee, officer, director or independent contractor; To present our website content to you; To notify you of changes to our website, policies, products or services; For research, analysis, modeling, marketing, or advertising purposes; Fraud detection and prevention; To respond to law enforcement requests and as required by appliable law, court order or governmental regulation; To protect the rights, property or safety of ICW Group, our partners, employees and others; To help maintain the safety, security and integrity of our systems, services, databases and other assets; and For other purposes as allowed by law.
- Third Parties to Whom ICW May Disclose Your Information:
ICW Group affiliates; Insurance agents, brokers, adjusters and examiners; Service providers, contractors and similar third parties; Your employer or our policyholder in connection with a claim for benefits or insurance coverage; Governmental agencies, insurance regulators or law enforcement officials; Credit bureaus, collection agencies, and similar parties providing financial services, and accounts receivables analysis or servicing; and Other financial companies for joint marketing purposes. ICW Group has disclosed such information to third parties for business purposes in the past 12 months. - Third Parties with Whom ICW May Share Your Information (a) for Marketing purposes, or (b) as part of a sale or in exchange for value received by ICW Group:
ICW Group does not share or sell this type of information to third parties for marketing purposes or in exchange for value if such information is personally identifiable to individuals acting for non-business purposes, such as individuals presenting claims for injuries, benefits or damages; job applicants; or past or present ICW Group employees, officers or directors.
Length of Time ICW Group Keeps Your Information: ICW Group maintains business records for the duration of each applicable matter, transaction or business relationship; for such time as may be necessary to achieve the business purposes for which information is collected; as needed to retain historical data for legal, tax and audit purposes; for regulatory compliance or law enforcement needs; to protect the rights, property or safety of ICW Group, our affiliates, employees and others; for the safety, security and integrity of our systems, services, databases and other assets; as required by law; and in accordance with professional advice received from ICW Group’s lawyers, accountants, auditors and tax advisors.
