Privacy Policy

CIL respects your privacy

Protecting your privacy is very important to us. Customers have trusted us with their insurance needs since 1936, and we take our obligation to safeguard and secure Personal Information very seriously. We want you to understand how we protect your privacy and when we collect, use, and disclose your Personal Information.

Summary

This summary tells you the basics of our privacy commitment to you: how we process information that can be used to reasonably identify you or your household, directly or indirectly (“Personal Information”), how we protect it, and who can see it. You should read the entire Privacy Policy below for full details.

• We obtain Personal Information from you directly, from your transactions with us, and from third parties such as World Check or KYC360 (compliance), and department of motor vehicle (DMV).
• We do not and will never sell or share (as those terms are defined under data privacy and security rules and regulations) your Personal Information for advertising or marketing purposes.
• Any third parties who perform services for us are required to safeguard any Personal Information that they process on our behalf.
• We use technical, physical, and administrative measures to secure and limit access to your Personal Information.

The personal information we collect

The following sections tell you more about how and when we collect your information.

We are committed to protecting your privacy and earning your trust. This section describes the personal information we collect about you and how we use and protect it.

Personal information we obtain from you

Depending on the product, we collect it from some or all of the following sources. We have provided a few examples for each source, but not all may apply to you.

• Application information: You provide this on your application, through your agent or broker, by phone, or online. We may also obtain it from directories and other outside sources. It includes your name, street and e-mail addresses, phone number, driver’s license number, Social Security number, date of birth, gender, marital status, type of vehicle, and information about other drivers.
• Transaction information: This is information about your transactions with us, our affiliates, or others. It includes your insurance coverages, limits and rates, and payment and claims history. It also includes information that we require for billing and payment.
• Web site information: This information is unique to Internet transactions. It includes the Web site that linked you to ours, your computer operating system, and the pages you viewed on our site. Some Web sites, including ours, may also store “cookies” on your computer. Cookies collect technical data, like your Internet protocol (IP) address, operating system, and session ID. They can also save certain information entered by you.

Personal Information you give us may include, but not limited to your:

• Name
• Address
• Phone number
• Email address
• Social Security number
• Driver’s license number
• Date of birth
• Claims-related data including occupational information and health data

If you give us your email address, CIL may use it from time to time to notify you of such things as new services, renewal notices, to confirm transactions, or provide claims related updates. If you do not wish to be contacted by email for non-policy related communications, you may unsubscribe by following the instructions at the bottom of any CIL email you receive.

If you provide your mobile phone number, with your consent we may contact you regarding your policy or send you text messages regarding your customer account.

If you are a policyholder, you can also log in to your online account^* at www.caribbeaninsurers.com, click on “Update Email Preferences” on the right side of the screen and choose the level of communication you'd like to receive from us. If you have not yet enrolled online, you will need to register at www.caribbeaninsurers.com to update your email preferences.

We may also collect Personal Information when you visit our website. However, CIL’s website processes standard opt-out preference signals in a frictionless manner. You can implement a standard opt-out preference signal through any modern web browser, see Supported browsers include the following for a list of supported browsers in our Securty Policy. When our website recognizes a standard opt-out preference signal, such as the Global Privacy Control (“GPC”) signal, your Personal Information will not be collected for cross-context behavioral advertising purposes. You can learn more about GPC by clicking here.

Information about your transactions

We may collect Personal Information about your transactions and experiences with us and others, such as your payment history, claims, coverage, and vehicle changes. When you submit personal information, it is transmitted over an encrypted connection secured by DigiCert SSL Certificates.

Information from thrid paries

We may receive Personal Information about you from service providers and third parties, like compliance reporting agencies that provide us with identity reports, AML and sanctions screening, and/or police accident reports where permitted by law. If you are purchasing a commercial policy, we may also confirm the motor vehicle records and claims history of the employees you will have driving on your company’s behalf. We may receive claims related data, including information from potential lienholders. This information is necessary for CIL to process claims in compliance with applicable law.

We collect the following categories of Personal Information

• Contact and identification information, such as a real name, alias, postal address, unique personal identifiers, email address, account username and password, telephone number, insurance policy number, account name, social security number, signature, gender, driver’s license number, physical characteristics, and other similar identifiers.
• Driving and claims history, including information about any prior accidents or insurance claims.
• Vehicle information, such as a vehicle identification number (VIN), vehicle details, including any customizations, and vehicle photos.
• Financial identifiers, such as a bank account number, credit card number, debit card number, or other financial information.
• Medical information, such as details involving the injuries sustained in a car accident, the treatment for such injuries, as well as health insurance information.
• Commercial information about consumer transactions and experiences with us and others, such as payment history, claims, coverage and vehicle changes.
• Website and app usage and device information, such as search and browsing history, online identifier(s), Internet Protocol address, search history, and information regarding how users interact with our websites, apps, and online advertisements.
• Location data. When a consumer agrees, we may collect information from their device about their physical location so we can provide services like finding a nearby body shop. For customers enrolled in a usage-based insurance program, location data is used to monitor driving behavior such as speed.
• Audio, electronic, visual, or similar information, such as recorded statements, photos of damaged vehicles, videos of accident locations, and calls made to our customer service centers, which may be recorded.
• Professional or employment-related information in the form of business contact information and education or employment history, which we only use as permitted by law.

We collect each of the above categories from a variety of sources, including:

• Directly from consumers—either online, by mobile app, by phone or in person; antifraud, marketing, analytics, risk-assessment and other service providers; claimants; attorneys; auto dealerships; body shops; medical-field third parties; connected third-party services; our apps and websites; consumer or claimant insurers; police investigations (i.e. accident reports); fraud investigations; and other third-parties.

We collect each of the above categories of Personal Information for a variety of purposes, including:

• For our core business purposes, such as providing quotes for insurance, processing applications (either for insurance or for employment), establishing and servicing policies, claims handling, providing customer support, and furnishing other insurance services. For example, we use information to verify the driving history and information of our applicants; complete billing, payment and reimbursement obligations; and prevent fraud.
• To assess and improve our product and service offerings, including the development of new products and services.
• To perform data analysis (including market and consumer search and analytics and trend analysis).
• To conduct marketing activities and communicate with you regarding products and services offered by CIL and its partners.
• To have website and mobile app content (including advertising) delivered based on your CIL browsing history.
• With your consent, to have website and mobile app content delivered based on your location history.
• To enable you to interact with us through social media platforms.
• To detect and prevent fraud and other prohibited or illegal activity.
• To maintain and enhance the security and safety of our systems, data, and workplace.
• To hire qualified employees and maintain our workforce.
• To comply with legal obligations and policies.
• To bring and defend claims.
• For other purposes as permitted by law or to which you consent.

We disclose all of the above categories of Personal Information to service providers that assist us in providing insurance-related services, which include offering quotes, processing applications (both employment and insurance), and claims handling. If you are involved in an accident with another insured individual, we may have to share your information for the permitted purpose of handling that incident. We may also have to share your information with our underwriters, excess insurers, insurance-support organizations that help us detect and prevent fraud, governmental and law enforcement authorities (where required by law or to protect our legal interests or in cases of suspected fraud or illegal activities), and if ordered by law or other court order. We may disclose Personal Information to service providers involved compliance and risk-assessment, security and antifraud efforts, and as required or permitted by AML regulations or BVI law. For additional information regarding the categories of Personal Information we have disclosed and the categories of entities with which we have disclosed such information, please see “The Personal Information We Disclose,” below.

Sensitive Personal Information: After obtaining (or having a third-party or service provider obtain) consent from an individual to do so, CIL may collect or receive a consumer’s precise geolocation, citizen or immigration status, credit card, driver’s license number, social security number, or information concerning a consumer’s health. Geolocation data is used to provide services to consumers, as explained above; citizenship or immigration status is used for employment reasons such as work visas; credit card information is collected for financial transactions; driver’s license numbers and social security numbers are obtained to verify individuals and offer accurate ratings; health information is used for claims management.

We do recognize standard opt-out preference signals in a frictionless manner, as explained in the “Information We Obtain from You” div, above. CIL retains each category of Personal Information, including sensitive Personal Information, for legal, compliance and business purposes. The retention criteria vary depending on these purposes which impact, among other processes, claims handling, litigation, and providing applicable employee benefits. However, CIL’s policy is to retain Personal Information for as long as reasonably necessary for any of the purposes disclosed above.

Please feel free to contact us with questions or concerns regarding our privacy policy and practices by emailing us at privacy.policy@caribbins.com or calling us at 284-393-8920.

Location services

Your current location is only collected and used by us if you permit our services to do so. If you allow your location to be collected using our CIL app^*, or with a browser, we will use this Personal Information to determine your estimated location. We use this Personal Information to distinguish your current location and provide location-related services to you. Our secure Online Payment page via 3‑D Secure (Three‑Domain Secure) may use your location data as part of it's underlying security protocol to authenticate and verify that the person using the card is the legitimate cardholder.

Access to and correction of personal information

You have the right to request access to and correction of the Personal Information that we have collected from or about you. To do so, simply contact CIL’s customer service department. If you'd like to correct information that you provided to us, our representative will make the appropriate adjustments to CIL’s records. If you wish to correct Personal Information provided to CIL by a third party (such as a AML or sanctions screening report) the representative will provide you with the applicable third party’s contact information. Upon written request, we will provide you with a more detailed notice of these rights. Upon the request of residents outside of the British Virgin Islands, we will take reasonable steps to verify the accuracy of the Personal Information in our records with foreign entities.

The personal information we disclose

The Personal Information collected about our customers, former customers, applicants, independent contractors, and employees, will only be disclosed as permitted or required by law.

We will share information about you only as permitted by law. We will not share your Nonpublic Personal Information with other companies for their marketing purposes without your consent. There is no need to “opt out” or tell us not to do this.

Disclosures include those that we feel are required to provide insurance claims or customer service, prevent fraud, perform research or comply with the law. Recipients include, for example, our family of insurance companies, claims representatives, service providers, insurance agents and brokers, law enforcement, courts and government agencies. These parties may disclose the information to others as permitted by law.

For our customers and former customers, much of this collected Personal Information is maintained in your policy and/or claims records. We use this Personal Information to process and service your policy; to settle claims; with your consent; or as directed by you. We do not sell or share SMS opt-in data, email addresses or consent status with 3rd parties for promotional or marketing purposes.

Following are some examples of how we may disclose your Personal Information:

• We must exchange Personal Information about you with our agents, investigators, appraisers, attorneys, and other persons who are or will become involved in processing your application and servicing your policy or any claims you may make.
• We disclose your Personal Information to persons or organizations as necessary to perform transactions or provide services that you request or authorize.
• When you are involved in a claim, policy information is provided to adjusters and the businesses that will repair your vehicle, vessel or other insured product.
• We may disclose Personal Information with persons or organizations that we have determined need the Personal Information to perform a business, professional, or insurance function for us. These include businesses that help us with administrative and processing functions. All of these entities are obligated to keep the Personal Information that we provide to them confidential and to use the Personal Information only for the purpose for which the Personal Information was provided.
• Personal Information may be provided to Financial Services Commission (FSC) or underwriters when conducting audits. The organization must agree not to redisclose the Personal Information and the Personal Information will be returned to us or destroyed when it is no longer needed.
• We may also share your Personal Information for other permitted purposes, including:
  • with another insurance company if you are involved in an accident with their insured
  • with our underwriters
  • with banks and finanical institutions to verify coverage or conduct operations or services
  • with insurance-support organizations that detect and prevent fraud
  • among the CIL companies listed below and other subsidiaries of CIL to offer you additional products and services
  • with service providers to deliver website and mobile app content based on your location, but only after obtaining your consent
  • with medical professionals or institutions to verify coverage or conduct operations or services audits
  • with state insurance departments or other governmental or law enforcement authorities if required by law or to protect our legal interests or in cases of suspected fraud or illegal activities
  • if ordered by a subpoena, search warrant or other court order or mandatory government or law enforcement process
  • if necessary to defend our legal rights, or protect our employees or customers
  • in the event of a business transaction involving the sale of all of or a portion of our business or assets in which case we will comply with applicable laws regarding notice and consent in such transfers

How you can review and correct information we have about you

To review information we have about you, send a written request to Customer Service, Wickhams Cay 1, Mirage Bldg., Box 129, Road Town, Tortola, British Virgin Islands. You must describe the kind of information you want to review and state that your request is in response to this Privacy Policy. Include your full name, address, policy number (if applicable), and either your date of birth, Social Security number or driver’s license number. Within 30 business days, we will describe what is available and how you may request corrections. We will also name anyone we show as having received the information within two years prior to your request.

You may review the information at our offices. We will not provide information that we feel is privileged, such as information about insurance claims or lawsuits.

To correct information about you, send a written request as described above, explaining your desired correction. Within 30 business days, we will either make the requested correction or tell you why we cannot.

If we make your requested correction, we will notify you in writing. We will also notify anyone named by you who may have received the information within the previous two years. If required by law, we will also notify others who may have given it to or received it from us. If we refuse to make the requested correction, you may file with us a concise written statement about why you object, including the information you think is correct. Your statement will then become part of your file. It will be sent to the same persons to whom we would send a copy of any correction or change.

Confidentiality and security

We restrict access to your Personal Information to personnel who we have determined need it to provide products or services to you. The use of your Personal Information is limited by law, our employee code of conduct, internal security policy and we train our personnel to safeguard customer Personal Information, and we require them to sign confidentiality agreements where appropriate.

We maintain a variety of physical, electronic, and procedural safeguards to protect your Personal Information from unauthorized access by employees and third parties.

Personal Information about our former customers and about individuals who have obtained quotes from us is safeguarded to the same extent as Personal Information about our current policyholders.

Additional information for our website users

We are continuously improving www.caribbeaninsurers.com. We are interested in how visitors use our website, what they like and dislike, and where they encounter problems. We may gather data on how users navigate our site so we can make www.caribbeaninsurers.com an easier place to do business. We use various tools to gather data, such as what browser a person uses or even what pages are most popular. We may also use this data, in aggregated or anonymized form, to offer you content, products, or services we hope will interest you.

When you visit our website, we use the information we collect to provide services to you. We use this information to help understand what you want so that we can enhance your online experience. For example, if you start an insurance quote on www.caribbeaninsurers.com, but decide to finish it later, we will save your information so you can pick up where you left off. We also use Web Site Information to analyze use of our Web sites. Information that does not identify you, or that you give us for contests and surveys, may be used for marketing purposes.

When you visit our web site to make online payments we use the information you provide such as credit card data and billing information to complete the transaction process with our payment processor. We collect and store the metadata to improve our online services and for internal analytics and auditing. We nor our payment processor store, retain or persists permanent storage of your credit card pan ( (Primary Account Number) in accordance with PCI DSS standards (Payment Card Industry Data Security Standard) regulations.

We use cookies to improve your experience while using www.caribbeaninsurers.com or our mobile app^*. Cookies are small files that are stored on your device used to access our services. They help us personalize your experience when you return to our website, and they are required for certain portions or functionality of our website. Most browsers let you determine whether to accept our cookies. If you don't use cookies, you won't be able to use certain www.caribbeaninsurers.com features, such as the “remember me” function for policyholders that lets you store your User ID and password so you don't have to input it every time you log in from the same computer. Please see your browser settings for more information about managing cookies.

We also provide some links to third-party websites that are not owned by CIL. CIL has no control over their privacy practices and assumes no responsibility in connection with your use of these third-party websites. We recommend that you check the privacy policy of any website before you use it or provide any information.

About links to other Web sites

Our Web site contains links to other sites that are not ours. These links are solely for your convenience. We make no warranties or representations about other Web sites. We recommend that you read the privacy and security policies of these sites.

Why we ask for your e-mail, phone number and your billing address

We collect your e-mail, phone number and credit card billing address so that we can send securly and accurately process your online credit card payments. We may also use your e-mails with consent to send you policy renewals and transactions (statements, receipts, etc.) and other information necesary for your records or services we think you will find useful.

To ensure you get our e-mails, you may also receive confirmations when you open them or click through e-mail links. These confirmations may also show whether your e-mail system supports graphics, so we can tailor our messages to you. We will never share your e-mail address with other companies for their marketing purposes without your consent.

Changes to this privacy policy

We may modify our privacy policy from time to time. The most recent version is always posted at www.caribbeaninsurers.com. When we make changes, we will revise the effective date at the top of this Privacy Policy.

Alternative format

This policy can be accessed in an alternative format by contacting a CIL representative at 284-393-8920.

What to do if you have privacy or security concerns

If you have a concern about privacy or security at CIL, we want to hear about it by mail or email.

Privacy Administration Caribbean Insurers Ltd. Wickhams Cay 1, Mirage Bldg., Box 129 Road Town, Tortola VG11110 British Virgin Islands

Email: privacy.policy@caribbins.com

This Privacy Policy applies to all of the following CIL companies:

• CIL (Holdings) Limited
• Caribbean Financing Services Limited
• Caribbean Insurers (Health) Limited
• Caribbean Adjusters Limited
• Caribbean Insurers Marine Limited

Glossary of technical terms

• Cookie: A small text file saved in your computer when you access certain Web pages. Cookies identify you to the Web site that gave you the cookie.
• Digital certificate: A small file that can be transferred to your computer and used for authentication. Once installed, it can be automatically used as needed.
• Internet protocol (IP) address: A string of numbers that are translated into a domain name.
• Operating system: The program responsible for overseeing the basic hardware resources of a computer. UNIX, DOS, Windows, and Macintosh System 7 are examples of operating systems.
• Security protocol: A specification that describes how computers will talk securely to each other on a computer network.
• Secure Sockets Layer (SSL): A protocol that delivers server authentication, data encryption, and message integrity. SSL encrypts Internet communications.
• Site certificate: This is the same as a digital certificate, but it is used on the server rather than at the browser.
• 128-bit encryption: A way of making data unreadable to everyone except the receiver. It is a common way of sending credit card numbers and data over the Internet. It is used by SSL.
• Web beacon: Also called a Web bug, pixel tag or clear GIF, a Web beacon is a clear graphic image placed in Web pages. Web beacons are used in conjunction with cookies to monitor user activity on a Web site.
• Session ID: The code used to keep track of a person as they interact with a server.
• Transport Layer Security (TLS): Transport Layer Security, a cryptographic protocol that ensures privacy, integrity, and authenticity of data transmitted over the internet. It’s the modern successor to SSL (Secure Sockets Layer) and is what makes HTTPS connections secure.