Thank you for visiting Chubb Insurance Company of Canada's (“Chubb”)1 website, which is owned and maintained by Chubb and its subsidiaries (“Chubb Group”). We respect your privacy and want you to understand the ways in which we collect and use information provided online.
How We Collect Personal and Non-Personal Information through the Online Services
We collect two kinds of information through the Online Services: non-personal information and personal information.
The non-personal information we collect includes: the visitor’s device type, operating system and date and time of access.
We also collect personal information that can identify a visitor, user or insured, including but not limited to name, address or other contact information, policy information, claim information (including materials you submit as part of your claim), customer service requests, information provided for roadside assistance services, or other information that you choose to provide to us, but only when you voluntarily provide it. If you apply for a job or register with our Career Center, we may collect personal information about your work and educational history. In addition, certain of the Online Services may collect precise information about the location of your mobile device but only with your express consent. Once you have consented to the collection of the precise location of your mobile device, you may adjust this consent by managing your location services preferences through the settings of your mobile device. For advertising and/or marketing purposes, we also collect personal information about you including: your browser type, host or Internet service provider (ISP) information; the identity of the referring website (any website from which you accessed the Online Services), area(s) of the Online Services visited, and search terms and other information entered into online forms.
Chubb does not seek or knowingly collect personal information from children under the age of 13, and we request that children do not provide information through the Online Services.
How We Use Your Information
We may use the information we collect through the Online Services for a number of purposes, including:
We also may anonymize, combine, or aggregate any of the information we collect through the Online Services or elsewhere for any of these purposes or for analyzing usage statistics and trends.
If you provide us with personal information, we will not sell, license, transmit or disclose this information outside of the Chubb Group unless: (1) you expressly authorize us to do so; (2) it is necessary to allow our contractors or agents to provide services for us; (3) it is necessary to provide our products or services to you; (4) it is disclosed to entities that perform marketing services on our behalf or to other entities with whom we have joint marketing agreements; (5) in connection with a merger, consolidation, acquisition, divestiture or other corporate restructuring of all or part of our business; or (6) it is otherwise required or permitted by law.
How We Collect, Use and Protect Social Insurance Numbers
Chubb may collect Social Insurance Numbers (“SINs”) in the course of our business. We strive to protect the confidentiality and security of SINs in our possession, custody or control by: (i) limiting access to SINs; and (ii) maintaining reasonable administrative, technical and physical safeguards to protect against the loss, misuse or unlawful disclosure of SINs. We do not share SINs for marketing purposes.
How We Use “Cookies” and Other Data Collection Tools
Why are cookies important for the use of Chubb websites?
Please note that cookies can only read the identification number created by the random generator on your computer and can only retrieve information that is directly related to the Chubb website.
Types of Cookies
Cookies may be either "persistent" cookies or "session" cookies. This website uses both persistent and session cookies.
A persistent cookie consists of a text file sent by a web server to a web browser, which allows us to collect and analyze (on an anonymous basis) traffic and use of this website, monitor the system and improve operating performance, for example, store your preferences to enhance your subsequent visits. It will not be automatically deleted when the browser is closed but is stored by the browser and will remain valid until its set expiration date (unless deleted by the user before the expiration date).
A session cookie is essential to ensure the correct functioning of this website and is used to manage registration/login and access to reserved features. It is stored temporarily during a browsing session and will expire at the end of the user session, when the web browser is closed.
It is also important to be aware that some cookies (which are generally session cookies) are what is known as "strictly necessary". Strictly necessary cookies enable you to move around the website and use features which you have explicitly requested. You can disable other forms of cookies while allowing strictly necessary cookies - see "Your Cookies Choices" below.
Clear GIFs, pixel tags, and other technologies. In addition to cookies, we may also use other means of passively collecting data about your use of our websites, such as through the use of “clear GIFs” (small pieces of data that may be embedded in images on our websites that enable us to track your usage of our websites) and analyzing “click stream” data (the virtual trail you leave behind while browsing the Internet and viewing our websites).We use clear GIFs and click stream data to gather data about your visit to our websites and in connection with emails to track response rates. The data may include information about your device, such as your IP address, but does not identify you by name. Blocking cookies will prevent clear GIFs from tracking your activity, and also prevent us from collecting certain other information, such as your IP address; but we still obtain a record of a visit. In addition to the information we collect from cookies, from clear GIFs, through the analysis of click stream data, and any other means we may employ to collect information about you or your visits to our websites, we may also obtain anonymous information which you provide to us online -- for example, when you use our tools and calculators.
Your Cookie Choices
You can enable or disable cookies by adjusting your browser settings. This allows you to reject the placement of all cookies (except strictly necessary cookies). You can also delete cookies which have already been placed on your device.
Please remember that disabling or deleting some or all cookies may prevent some web services (including on this website) from functioning correctly, and may lead to a less smooth or less personalized browsing experience.
You should visit the "Help" section of your browser for how to manage your cookie settings, or follow the links below:
For further general information on cookies and more detailed advice on how to disable and enable them please go to http://www.allaboutcookies.org.
Please see below for a summary of the cookies and similar technologies that we may use on our websites:
AddThis & BlueKai – Oracle
You may opt-out from third-party interest based advertising facilitated by Oracle Data Cloud through Oracle's Opt Out Tool, or by opting out through the Digital Advertising Alliance of Canada’s Opt-Out Tool. You may also opt-out of targeting advertising from AddThis by using the AddThis Targeting Opt-Out.
DoubleClick Floodlight – Google
DoubleClick Floodlight is a third party cookie provided through Google. DoubleClick Floodlight tracks certain activities on our websites and via ads served by Google. Based on your viewing activities on our websites, DoubleClick Floodlight will select the type of ads you would mostly likely want to see on the Internet, and avoid showing ads you have already seen. For more information about DoubleClick please Click Here.
You may block the use of targeted ads based on your activity on Facebook by adjusting your user preferences through Facebook's Ad Settings, by opting out through the Digital Advertising Alliance of Canada’s Opt-Out Tool, or by changing your device settings on your mobile device.
Google Universal Analytics
Google Universal Analytics is a website analytics service provided by Google that allows us to track and report the traffic on our websites. Information Google Universal Analytics may collect includes: IP address, the website that referred you to one of our websites, how long you stayed on a website of ours, and your geographical location. Through the use of Google Universal Analytics we are able to customize the user experience on our websites and optimize our marketing efforts. For more information about Google Universal Analytics please Click Here.
You may opt-out of the use of Google Analytics by installing the Google Analytics Browser Opt-out Browser Add-on.
LinkedIn Insight Tag
LinkedIn Insight Tag is a third party pixel provided by LinkedIn. LinkedIn Insight Tag enables in-depth campaign reporting and unlocks insights about how our website visitors interact with our websites after they have clicked an ad on LinkedIn. LinkedIn Insight Tag enables the collection of data such as: IP address, employment industry, employer’s size, job seniority, a time stamp of when you visited our websites, and events (e.g. how many times have you viewed a webpage). For more information about LinkedIn Insight Tag please Click Here.
You can opt-out of the use of LinkedIn Insight Tag through the Digital Advertising Alliance of Canada’s Opt-Out Tool.
Opting-out of Third Party Ad Networks
In addition to the opt-out mechanisms provided above, you may also opt-out of many third-party ad networks. For example, you may go to the Digital Advertising Alliance of Canada’s (“DAAC”) Opt-Out Tool for information about opting out of interest-based advertising or online behavioural advertising and their choices regarding having information used by DAAC companies. You may also go to the Network Advertising Initiative (“NAI”) Consumer Opt-Out Page for information about opting out of interest-based advertising and their choices regarding having information used by NAI members.
Opting out from one or more companies listed on the DAAC Consumer Choice Page or the NAI Consumer Opt-Out Page will opt you out from those companies’ delivery of interest-based content or ads to you, but it does not mean you will no longer receive any advertising on other websites. You may continue to receive advertisements, for example, based on the particular website that you are viewing (i.e., contextually based ads). Also, if your browsers are configured to reject cookies when you opt-out on the DAAC or NAI websites, your opt-out may not be effective. Additional information is available on the DAAC’s website at https://youradchoices.ca/about-the-daac/ or the NAI’s website at www.networkadvertising.org.
Security of Internet Communications
The Internet is not a secure medium. We employ reasonable administrative, technical and physical safeguards designed to protect personal information. When you enter sensitive information (such as a credit card number or a Social Insurance Number) on our websites, we encrypt that information using secure socket layer technology (SSL) or similar technology during its transmission to our website. Unfortunately, no method of transmitting or storing data can be guaranteed to be secure, and we do not assume any responsibility for any harm, loss or damage you may experience from transmission of information by or to Chubb over the Internet. If you believe that the security of any account you might have with us has been compromised, please contact us using one of the methods described below.
We restrict access to personal information collected about you at our websites to our employees, our affiliates' employees or others who need to know that information to provide services to you or in the course of conducting our normal business operations.
How to Contact Us and Access and Correct Your Information
If you have a question or would like to access and correct personal information you have submitted to us through the Online Services, please log into your account for the particular Online Service or send a letter to the address below with your question or requesting to see your information. We will be happy to make corrections whenever possible but may not be able to provide information relating to investigations, claims, litigation and other matters.
Please address requests to:
Chubb Insurance Company of Canada
199 Bay Street, Suite 2500
P.O. Box 139, Commerce Court Postal Station
Toronto, ON M5L 1E2,
Attention: Privacy Officer
Blogs and Other Interactive Features
We may offer blogs, online forums or other interactive features on the Online Services that enable you to share information about our services or other issues of interest. You should be aware that any communications you submit or post to any such interactive features on the Online Services may be viewable by other participants or users. Therefore, by submitting or posting to such interactive features you acknowledge and agree that you have no expectation of privacy or confidentiality in the content you submit for such features, whether or not it contains personal information about you.
Links to Other Sites
We are not responsible for the collection, usage, and disclosure policies and practices (including the data security practices) of other organizations, such as Google, Apple, Microsoft and Facebook or any other app developer, app provider, social media platform provider, operating system provider, wireless service provider, or device manufacturer, including any Personal Information you disclose through or in connection with the Apps or our Social Media Pages.
Maintenance of the Services
Many of the Online Services are maintained by us in Canada, and are not intended to subject us to the laws or jurisdiction of any state, country or territory other than that of Canada.
Last Updated: June, 2018
1This policy also applies to the Canadian branch of Federal Insurance Company and Chubb Life Insurance Company of Canada, all of which are affiliates of Chubb Insurance Company of Canada.