Contact Us
  • Customer Service Line for Private Persons: 0844 400 844 

  • To learn more, e-mail us at:
    aigswiss@aig.com

  • AIG Europe Limited, London
    Zweigniederlassung Opfikon
    Sägereistrasse 29
    CH-8152 Glattbrugg

    Tel No:  +41 (0)43 333 37 00
    Fax No: +41 (0)43 333 37 99
  • AIG Europe Limited, London
    Succursale de Genève

    Avenue Louis-Casaï 1
    CH-1211 Genève 28
    Tel No:  +41 (0)22 747 77 25
    Fax No: +41 (0)22 747 79 90

  • AIG Europe Limited, London
    Zweigniederlassung Schaan
    Zollstrasse 23
    FL-9494 Schaan
    FürstentumLiechtenstein
    Tel No: +423 237 68 81
    FaxNo: +423 237 68 89
     

PRIVACY POLICY

Last Updated: November 01, 2013 
 

AIG Europe Limited, Zweigniederlassung Opfikon, (“AIG”) is committed to protecting the privacy of the individuals we encounter in conducting our business. “Personal Information” is information that identifies and relates to you or other individuals (such as your dependants), or information by which you or such other individuals may be identified. This Privacy Policy describes how we handle Personal Information that we collect through:

  • this website (the “Site”);
  • the software applications made available by us for use on or through computers and mobile devices (the “Apps”);
  • our social media pages, including those linked at Social@AIG (http://www.aig.com/social-media_3171_442101.html); and
  • other social media content, tools and applications (our “Social Media Content”)
     
    (collectively (including the Site, the Apps and our Social Media Content) referred to below as the “AIG Electronic Services”), 

and through other means (for example, from your application and claim forms, telephone calls, e-mails and other communications with us, as well as from claim investigators, medical professionals, witnesses or other third parties involved in our business dealings with you).
  

By accessing this Site or using other AIG Electronic Services (as defined here below)  you take note and agree that we collect and use your Personal Information as set out in this Privacy Policy. This includes (subject to applicable law), in particular, marketing activities, sharing your Personal Information with other users if you connect your social media account with your AIG Electronic Services account, making public your information on message boards, chat, profile pages and blocs, and collecting and sharing the physical location of your electronic device. Please do not provide us with your Personal Information if you do not want us to store or use the information as described in this Privacy Policy.
  

The AIG Electronic Servcies (as defined here below) are not directed to individuals under the age of eighteen (18), and we request that these individuals do not provide Personal Information through the AIG Electronic Services.

1. Who to contact about your Personal Information Back To Top
If you have any questions about our use of your Personal Information you can e-mail: dataprotection-ch@aig.com or write to AIG Europe Limited, Zweigniederlassung Opfikon, Sägereistrasse 29, 8152 Glattbrugg.
 

2. Personal Information that we collect Back To Top

Depending on your relationship with us (for example, as a consumer policyholder; non-policyholder insured or claimant; witness; commercial broker or appointed representative; or other person relating to our business) Personal Information collected about you and your dependants may include:

  • General identification and contact information
    Your name; address; e-mail and telephone details; gender; marital status; family status; date and place of birth; passwords (including on our systems); educational background; physical attributes; activity records, such as driving records; photos; employment history, skills and experience; professional licenses and affiliations; relationship to the policyholder, insured or claimant.
  • Identification numbers issued by government bodies or agencies
    Passport number; tax identification number; military identification number; or driver’s or other license number.
  • Financial information and account details
    Payment card number; bank account number and account details; credit history and credit score; assets; income; and other financial information.
  • Sensitive information such as medical condition and health status
    Current or former physical or mental or medical condition; health status; injury or disability information; medical procedures performed; personal habits (for example, smoking or consumption of alcohol); prescription information; medical history; and date and cause of death, injury or disability.
  • Other sensitive information
    In certain cases, we may receive sensitive information about your trade union membership, religious beliefs, political opinions, family medical history or genetic information (for example, if you apply for insurance through a third-party marketing partner that is a trade, religious or political organization). In addition, we may obtain information about your criminal record or civil litigation history in the process of preventing, detecting and investigating fraud. We may also obtain sensitive information if you voluntarily provide it to us (for example, if you express preferences regarding medical treatment based on your religious beliefs).
  • Telephone recordings
    Recordings of telephone calls to our representatives and call centres (We will always notify you at the beginning of the call as to whether the call is recorded and for what purposes).
  • Information to investigate crime, including fraud and money laundering
    For example, insurers may share information to detect and prevent fraudulent claims.
  • Information enabling us to provide products and services
    Location and identification of property insured (for example, property address, vehicle license plate or identification number); travel arrangements including reservation numbers; age categories of individuals you wish to insure; policy and claim numbers; coverage/peril details; cause of loss; prior accident or loss history; your status as director or partner, or other ownership or management interest in an organization; and other insurance you hold.
  • Marketing preferences and customer feedback
    You may let us know your marketing preferences, enter a contest or prize draw or other sales promotion, or respond to a voluntary customer satisfaction survey.
  • Social media account and information from Apps
    We may receive certain Personal Information about you when you use our Apps or Social Media Content, including your social media account ID and profile picture, and other Personal Information that you provide to us.  If you elect to connect your social media account provided by another social media service provider to your account(s) on any of the AIG Electronic Services, Personal Information from your social media account will be shared with us, which may include Personal Information that is part of your social media account profile or your friends’ profiles. 
 

3. How we use Personal Information Back To Top

We use this Personal Information to:

  • Communicate with you and others as part of our business.
  • Send you important information regarding changes to our policies, other terms and conditions, the AIG Electronic Services and other administrative information.
  • Make decisions about whether to provide insurance; provide insurance and assistance services, including claim assessment, processing and settlement; and, where applicable, manage claim disputes.
  • Assistance and advice on medical and travel matters.
  • Assess your eligibility for payment plans, and process your premium and other payments.
  • Provide improved quality, training and security (for example, with respect to recorded or monitored phone calls to our contact numbers).
  • Prevent, detect and investigate crime, including fraud and money laundering, and analyze and manage other commercial risks.
  • Carry out market research and analysis, including satisfaction surveys.
  • Provide marketing information to you (including information about other products and services offered by selected third-party partners) in accordance with preferences you have expressed.
  • Personalize your experience on the AIG Electronic Services by presenting information and advertisements tailored to you.
  • Identify you to anyone to whom you send messages through the AIG Electronic Services.
  • Allow you to participate in contests, prize draws and similar promotions, and to administer these activities. Some of these activities have additional terms and conditions, which could contain additional information about how we use and disclose your Personal Information, so we suggest that you read these carefully.
  • Facilitate social media sharing functionality.
  • Manage our infrastructure and business operations, and comply with internal policies and procedures, including those relating to auditing; finance and accounting; billing and collections; IT systems; data and website hosting; business continuity; and records, document and print management.
  • Resolve complaints, and handle requests for data access or correction.
  • Comply with applicable laws and regulatory obligations (including laws outside your country of residence), such as those relating to anti-money laundering and anti-terrorism; comply with legal process; and respond to requests from public and governmental authorities (including those outside your country of residence).
  • Establish and defend legal rights; protect our operations or those of any of our group companies or insurance business partners, our rights, privacy, safety or property, and/or that of our group companies, you or others; and pursue available remedies or limit our damages.
 

4. International transfer of Personal Information Back To Top
Due to the global nature of our business, for the purposes set out above we may transfer Personal Information to parties located in other countries (including the United States and other countries that have a different data protection regime than is found in the country where you are based). For example, we may transfer Personal Information in order to process international travel insurance claims and provide emergency medical assistance services when you are abroad. We may transfer Personal Information internationally to our group companies, service providers, business partners and governmental or public authorities and any other third parties we may make Personal Information available to (as per section 5 below).
 

5. Sharing of Personal Information Back To Top

For the purposes set out under section 3. above, AIG may make Personal Information available to:

  • Our group companies
    For a list of AIG group companies that may have access to and use of Personal Information, please refer to: http://www.aigcorporate.com/AIG_All_Entities.pdf
    AIG Europe Limited, Zweigniederlassung Opfikon is responsible for the management and security of jointly used Personal Information. Access to Personal Information within AIG is restricted to those individuals who have a need to access the information for our business purposes.
  • Other insurance and distribution parties
    In the course of marketing and providing insurance and processing claims, AIG may make Personal Information available to third parties such as other insurers; reinsurers; insurance and reinsurance brokers and other intermediaries and agents; appointed representatives; distributors; affinity marketing partners; and financial institutions, securities firms and other business partners.
  • Our service providers
    External third-party service providers, such as medical professionals, accountants, actuaries, auditors, experts, lawyers and other outside professional advisors; travel and medical assistance providers; call centre service providers; IT systems, support and hosting service providers; printing, advertising, marketing and market research and analysis service providers; banks and financial institutions that service our accounts; third-party claim administrators; document and records management providers; claim investigators and adjusters; construction consultants; engineers; examiners; jury consultants; translators; and similar third-party vendors and outsourced service providers that assist us in carrying out business activities.
  • Recipients of your social sharing activity
    Your friends associated with your social media account, other website users and your social media account provider, in connection with your social sharing activity, such as if you connect your social media account provided by another social media service provider to your AIG Electronic Services account or log into your AIG Electronic Services account from another social media account.  By connecting your AIG Electronic Services account and your other social media account you authorize us to share information with the provider of your other social media account and you understand that the use of the information we share will be governed by the other service provider’s social media website’s privacy policy (see Clause 12, third party services).  If you do not want your Personal Information shared with other users or with your other social media account provider, please do not connect your other social media account with your AIG Electronic Services account and do not participate in social sharing on the AIG Electronic Services.
  • Governmental authorities and third parties involved in court action
    AIG may also share Personal Information with governmental or other public authorities (including, but not limited to, workers’ compensation boards, courts, law enforcement, tax authorities and criminal investigations agencies); and third-party civil legal process participants and their accountants, auditors, lawyers and other advisors and representatives as we believe to be necessary or appropriate: (a) to comply with applicable law, including laws outside your country of residence; (b) to comply with legal process; (c) to respond to requests from public and government authorities including public and government authorities outside your country of residence; (d) to enforce our terms and conditions; (e) to protect our operations or those of any of our group companies; (f) to protect our rights, privacy, safety or property, and/or that of our group companies, you or others; and (g) to allow us to pursue available remedies or limit our damages.
  • Other third parties
    We may share Personal Information with payees; emergency providers (fire, police and medical emergency services); retailers; medical networks, organizations and providers; travel carriers; credit bureaus; credit reporting agencies; and other people involved in an incident that is the subject of a claim; as well as purchasers and prospective purchasers or other parties in any actual or proposed reorganization, merger, sale, joint venture, assignment, transfer or other transaction relating to all or any portion of our business, assets or stock. To detect and prevent fraudulent claims, Personal Information may be shared with other insurers.

    Personal Information may also be shared by you, on message boards, chat, profile pages and blogs, and other AIG Electronic Services to which you are able to post information and materials (including, without limitation, our Social Media Content). Please note that any information you post or disclose through these services will become public information, and may be available to visitors and users of the AIG Electronic Services and to the general public. We urge you to be very careful when deciding to disclose your Personal Information, or any other information, when using the AIG Electronic Services. AIG reserves the right to delete any part of information shared by you if, at our sole discretion, considers it necessary or appropriate.
 

6. Security Back To Top

AIG will take appropriate technical, physical, legal and organizational measures, which are consistent with applicable privacy and data security laws. Unfortunately, no data transmission over the Internet or data storage system can be guaranteed to be 100% secure. If you have reason to believe that your interaction with us is no longer secure (for example, if you feel that the security of any Personal Information you might have with us has been compromised), please immediately notify us. (See the “Who to Contact About Your Personal Information” section above.)
   
When AIG provides Personal Information to a service provider, the service provider will be selected carefully and required to use appropriate measures to protect the confidentiality and security of the Personal Information.

 

7. Retention of Personal Information Back To Top

AIG takes reasonable steps to ensure that the Personal Information we process is reliable for its intended use, and as accurate and complete as is necessary to carry out the purposes described in this Privacy Policy. AIG will retain Personal Information for the period necessary to fulfil the purposes outlined in this Privacy Policy unless a longer retention period is required or permitted by law.

 

8. Personal Information of other individuals Back To Top

If you provide Personal Information to AIG regarding other individuals, you agree: (a) to inform the individual about the content of this Privacy Policy; and (b) to obtain any legally-required consent for the collection, use, disclosure, and transfer (including cross-border transfer) of Personal Information about the individual in accordance with this Privacy Policy.

 

9. Marketing preferences Back To Top

We will always ask your consent before sending marketing communications to you or passing your details to our group companies or selected third parties for their marketing purposes. We will then provide you with regular opportunities on an ongoing basis to tell us your marketing preferences, including in our communications to you. You can also contact us by e-mail at dataprotection-ch@aig.com or by writing to AIG Europe Limited, Zweigniederlassung Opfikon, Sägereistrasse 29, 8152 Glattbrugg.
  
If you no longer want to receive marketing-related e-mails from AIG on a going-forward basis, you may opt-out of receiving these marketing-related emails by clicking on the link to “unsubscribe” provided in each e-mail or by contacting us at the above addresses.
   
We aim to comply with your opt-out request(s) within a reasonable time period. 

 

10. Access and correction requests, questions and concerns Back To Top

In certain countries, an individual may have the right to access, correct or object to the use of, or request deletion or suppression of Personal Information on certain grounds. Please contact us as set out in the “Who to Contact About Your Personal Information” section above with any such requests or if you have any questions or concerns about how we process Personal Information. Please note that some Personal Information may be exempt from access, correction, objection, deletion or suppression rights in accordance with local privacy and data protection laws.

 

11. Other information we collect through AIG Electronic Services Back To Top

“Other Information” is any information that does not reveal your specific identity, but that may allow to identify you and provide information about your activities and habits, such as:

  • Browser and electronic device information;
  • App usage data;
  • Information collected through cookies, pixel tags and other technologies;
  • Demographic information and other information provided by you; and
  • Aggregated information

Other Information we collect

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

  • Your electronic device (physical location): Subject to applicable law, we may collect the physical location of your electronic device by, for example, using satellite, mobile/cell phone tower or WiFi signals. We may use your device’s physical location to provide you with personalized location-based services and content.  Subject to your marketing preferences as indicated to us or applicable law, we may also share your device’s physical location, combined with information about what advertisements you viewed and other information we collect, with our marketing partners to enable them to provide you with more personalized content and to study the effectiveness of advertising campaigns.  In some instances, you may be permitted to allow or deny such uses and/or sharing of your device’s location, but if you choose to deny such uses and/or sharing, we and/or our marketing partners may not be able to provide you with the applicable personalized services and content.
  • Your internet browser or electronic device: Certain information is collected by most websites or automatically through your electronic device, such as your IP address (i.e., your computer’s address on the internet), screen resolution, operating system type (Windows or Mac) and version, electronic device manufacturer and model, language, internet browser type and version, time of the visit, page(s) visited and the name and version of the AIG Electronic Services (such as the App) you are using. We use this information to ensure that the AIG Electronic Services function properly.
  • Your use of the App:  When you download and use the App, we and our service providers may track and collect App usage data, such as the date and time the App on your electronic device accesses our servers and what information and files have been downloaded to the App based on your device number.
  • Using cookies: Cookies are pieces of information stored directly on the computer you are using. Cookies allow us to recognize your computer and to collect information such as internet browser type, time spent using the AIG Electronic Services, pages visited, and language preferences. We may use the information for security purposes, to facilitate navigation, to display information more effectively, to personalize your experience while using the AIG Electronic Services, or to gather statistical information about the usage of the AIG Electronic Services. Cookies further allow us to present to you the advertisements or offers that are most likely to appeal to you. We may also use cookies to track your responses to our advertisements and we may use cookies or other files to track your use of other websites. 
     
    Below is a description of all the cookies we use on our Swiss websites, what they do, what data about you they collect and what we use them for:
    • Geo Location cookie – When a visitor visits one of our sites for the first time we read their location from their IP address and use this information to assume the country site that they want to visit. This method is not entirely accurate, however, so when they navigate to a particular country site we use a cookie to store this information and to store the language that they chose to view the site. The next time they visit the site we read the cookie and present the same country and language version they used on your last visit. This has the intended benefit that they don’t need to reselect the country site they need each time they come to the site. No Personal Information is collected or used by the cookie.
    • Site Catalyst cookie (by Adobe) – This cookie enables us to collect and analyze data about how visitors arrive at our site and then how they interact with our site, including products they may search, content they may view, and the steps leading up to a completed or abandoned sale. We use this aggregated information to adapt our sites to better serve their and other users’ needs and interests, and to provide more relevant and useful information. The cookie is placed on a visitor’s PC on a temporary basis only. The cookie does not collect or use their Personal Information. Instead, it logs an anonymous code which identifies users and this code “follows” the user in their journey through the site. We use the aggregated and anonymous information for statistical analysis.
    • DoubleClick cookies - We place a tracking pixel cookie on to all site visitors’ PCs, for the purpose of our banner advertising activity. We use these cookies to know that a visitor has been on our site before and to then place display an appropriate banner ad on to an affiliated network website. No Personal Information is collected. One of the advertisement companies that we use is Google, Inc, trading as DoubleClick. For more information on the DoubleClick cookie, or to opt out from the DoubleClick advertisement cookie please visit: http://www.google.com/privacy/ads/.
    • Affiliate cookie – We use a tracking pixel cookie, which is put on a visitor’s PC and collects only the transaction ID (which identifies the any affiliated website the visitor has come from) and a time and date stamp. This enables our affiliate network to track affiliated sales and ensure an affiliate is credited for a sale referred to us. It does not involve any passing of Personal Information.
    • Optimost cookie – We use this cookie to collect anonymous session information, which tells us when the cookie was put on a visitor’s PC, what segment, wave, and creative version it was from. The cookie has an anonymous “visitor id” which is a random number generated to identify a visitor, to distinguish between unique and/or repeat visitors. These cookies do not collect Personal Information. To view the Optimost privacy policy, please visit: https://asp.optimost.com/avatar/privacy-policy
       
      You can refuse to accept the cookies we use by adjusting your browser settings. However, if you do not accept these cookies, you may experience some inconvenience in your use of the AIG Electronic Services and some online products.
  • Using pixel tags, web beacons, clear GIFs or other similar technologies: These may be used in connection with some AIG Electronic Services and HTML-formatted e-mail messages to, among other things, track the actions of users of AIG Electronic Services and e-mail recipients, measure the success of our marketing campaigns and compile statistics about usage of the AIG Electronic Services and response rates.
      
    We use Adobe’s Omniture analytics service, which uses cookies and web beacons to help us understand more about how our website is used by consumers so we can continue to improve it. Adobe does not have the right to use the information we provide to them beyond what is necessary to assist us. For more information on Adobe’s Omniture service, including how to Opt-Out, go to http://www.omniture.com/privacy/policy#optout .
  • From you: Some information (for example, your location or preferred means of communication) is collected when you voluntarily provide it. Unless combined with Personal Information, this information does not personally identify you.
  • By aggregating information: We may aggregate and use certain information (for example, we may aggregate information to calculate the percentage of our users who have a particular telephone area code).
     
    Please note that we may use and disclose Other Information for any purpose, except where we are required to do otherwise under applicable law. If we are required to treat Other Information as Personal Information under applicable law (i.e. if the Other Information may be used to identify you), then, in addition to the uses listed in the “Other Information We Collect” section above, we may use and disclose Other Information only for the purposes for which we use and disclose Personal Information.
 

12. Third party services Back To Top

This Privacy Policy does not address, and we are not responsible for, the privacy, information or other practices of any third parties, including any third party operating any site or service to which the AIG Electronic Services link. The inclusion of a link on the AIF Electronic Services does not imply endorsement of the linked site or service by us or by our group companies. 
   
Please note that we are not responsible for the collection, usage and disclosure policies and practices (including the information security practices) of other organizations, such as Facebook®, Twitter®, Apple®, Google®, Microsoft®, RIM/Blackberry® or any other app developer, app provider, social media platform provider, operating system provider, wireless service provider or electronic device manufacturer, including any Personal Information you disclose to other organizations through or in connection with the AIG Electronic Services.

 

13. Changes to this Privacy Policy Back To Top

We review this Privacy Policy regularly and reserve the right to make changes at any time to take account of changes in our business and legal requirements. We will place updates on our website.
   
Please take a look at the “LAST UPDATED” date at the top of this Privacy Policy to see when it was last revised.

 

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