Privacy Policy
Introduction
AIG Europe S.A. (Malta Branch) (“[AIG Malta”, “we/us”) together with other affiliates and subsidiary companies of American International Group, Inc. (collectively called “AIG”) value your trust in us and are committed to handling Personal Information (defined below) appropriately in accordance with applicable laws.
This is our main Privacy Policy which describes how we use Personal Information that we collect as part of our core business activities.
References to "you" or "your" means any individual with whom we have a relationship, including policyholders, insureds or claimants under an insurance policy, commercial insurance brokers, appointed representatives, witnesses or another individual with whom we have a relationship or users of AIG Digital Services.
This Privacy Policy will be supplemented by additional privacy policies tailored to our specific relationships with you where this is useful to provide you with a full picture of how we collect and use your Personal Information.
The purpose of this Policy is to explain what Personal Information we collect, access, use, store, transfer and/or disclose (together, “process”), the reasons we process your Personal Information, to whom Personal Information is disclosed and your rights under the relevant laws.
We use the words Personal Information to describe information about you and other individuals (for example, your partner or other members of your family), and from which you or they are identifiable.
Our aim is responsible and secure handling of Personal Information, balancing the benefits of activities like research and data analytics to improve our products and service delivery, with our other commitments, including fairness, transparency and non-discrimination.
Personal Information is obtained from a variety of sources, including:
- application, proposal and claim forms, and other forms;
- telephone calls, emails, meetings and other communications;
- service providers, brokers and agents, claims investigators, witnesses, medical professionals, driver and vehicle licensing authorities, credit reference agencies, your employer, and other third parties;
- this website (the “Site”);
- the software applications made available by us on computers, smart phones and other mobile devices (the “Apps”); and
- our social media pages, other social media content, tools and applications (our “Social Media Content”).
In this Privacy Policy, we refer to the Site, the Apps and Social Media Content together as AIG Digital Services.
Unless otherwise indicated, the AIG Digital Services are only for use by legally competent adults. Minors (i.e. individuals under the age of eighteen (18)), and those without legal competency should not provide Personal Information through the AIG Digital Services themselves but rather via appropriately authorised agents, guardians or legal advisors.
Personal Information may be provided to us by you directly or by a third party. For example, an insurance policyholder may provide Personal Information about you so that you can benefit under their insurance policy.
Please note:
By providing us with Personal Information about another individual, you represent that you have (unless we agreed otherwise, in writing): (a) informed the individual about the content of this Privacy Policy and any other applicable privacy notices provided to you; and (b) obtained their permission (where required by, and in such manner as required by, applicable laws) to share their Personal Information with us in accordance with this Privacy Policy and other applicable privacy notices.
As we are in the business of providing insurance, claims handling, assistance and related services, the Personal Information we hold and process, depending on our relationship, includes:
| Type of Personal Information | Examples |
|---|---|
1. Contact information |
Name, address, email, telephone number and social networking profile details |
2. General information |
Gender, marital and family status, date and place of birth, physical characteristics (appropriate to the circumstances), your status as director or partner, or other ownership or management interest in an organization, your signature, and other identifiers |
3. Education and employment information |
Educational background, employer details and employment history, skills and experience, professional licences, memberships and affiliations |
4. Insurance and claim information |
Policy and claim numbers, relationship to policyholder, insured, claimant or other relevant individual, date and cause of property damage, loss or theft, injury, disability or death, activity records (for example, driving records), and other information relevant to insurance policy issuance, and claim assessment and settlement. For liability insurance, this will include details of the dispute, claim or proceedings involving you. |
5. Government and other official identification numbers |
Social security or national insurance number, passport number, tax identification number, driver’s licence number, or other government issued identification number or documents |
6. Financial information and account details |
Payment card number (credit or debit card), bank account number, or other financial account number and account details, credit history, credit reference information and credit score, assets, income, and other financial information, account log-in information and passwords for accessing insurance policy, claim and other accounts, and AIG Digital Services |
7. Medical condition and health status |
Current or previous physical, mental or medical condition, health status, injury or disability information, medical diagnosis, medical procedures performed and treatment given, personal habits (for example, smoking or consumption of alcohol), prescription information, and medical history |
8. Other sensitive information |
Information about religious beliefs, ethnicity, political opinions or trade union membership (for example, if an insurance application is made through a third-party marketing partner that is a professional, trade, religious, community or political organisation), sexual life and orientation, or genetic or biometric information We may obtain information about criminal records or civil litigation history (for example, for preventing, detecting and investigating fraud) Information provided voluntarily to us (for example, preferences expressed regarding medical treatment based on religious beliefs) (where collected in accordance with applicable law) |
9. Telephone recordings
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Recordings of telephone calls with our representatives and call centres
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10. Photographs and video recordings |
Images (including photographs and pictures) or video recordings created in connection with our insurance or other business activities, including for claims assessment, administration and settlement, claim disputes, or for other relevant purposes as permitted by law, as well as CCTV recordings captured by equipment on our premises |
11. Information to detect, investigate or prevent crime, including fraud and money laundering |
Insurers commonly collect, hold and share information about their previous dealings with policyholders and claimants with the intention of the detection, investigation and prevention of fraud, money laundering and other criminal activities. In this regard, we may have a duty at law to disclose such information to the relevant regulators, government authorities, enforcement agencies and/or other government bodies. |
12. Information enabling us to provide products and services |
Location and identification of property insured (for example, property address, vehicle licence plate or identification number), travel plans, age categories of individuals to be insured, details of the risks to be insured, prior accident or loss history, and cause of loss, status as company officer or director, or partner, or other ownership or management interest in an organisation, history of disputes, civil or criminal proceedings or formal investigations involving you, and information about other insurance held |
13. Marketing preferences, marketing activities and customer feedback |
Marketing preferences, information relating to competition, prize draw or other promotion entry, or responses to voluntary customer satisfaction surveys To improve our marketing communications, we may collect information about interaction with, and responses to, our marketing communications |
14. Online activity information |
We will receive Personal Information about you when you use AIG Digital Services; this may include your social media account identifier and profile picture, your IP address and other online identifiers (to the extent that they are Personal Information), and other Personal Information that you provide to us online If you choose to connect your social media account provided by another social media service provider to your account on any of the AIG Digital Services, Personal Information from your other social media account may be shared with us, which may include Personal Information that is part of your social media account profile, or the profiles of your friends and other connected individuals |
15. Supplemental information from other sources |
We and our service providers may supplement the Personal Information we collect with information obtained from other sources (for example, publicly available information from online social media services and other information resources, third-party commercial information sources, and information from our group companies and business partners). We will use any such supplemental information in accordance with applicable law (including obtaining your consent where required) |
We use Personal Information to carry out our business activities. The purposes for which we use your Personal Information will differ based on our relationship, including the type of communications between us and the services we provide. Personal Information will be used for different purposes if you are a policyholder, insured or claimant under an insurance policy, a commercial insurance broker or appointed representative, a witness or another individual with whom we have a relationship.
Legal Justification
Data protection law seeks to ensure that the way Personal Information is processed is fair. To comply with the law, we need to tell you the legal justification (sometimes also referred to as a legal or lawful basis) we rely on for using your Personal Information. While the law provides several legal justifications, the table below describes the main legal justifications that apply to our purposes for using Personal Information.
We may be required to obtain Personal Information from you to comply with applicable legal requirements, and certain Personal Information may be needed to enable us to fulfil the terms of our contract with you (or someone else), or in preparation of entering into a contract with you (or someone else), or for pursuing a right and/or legitimate interest of ours or of third parties. We may inform you of this at the time that we are obtaining the Personal Information from you. In these circumstances, if you do not provide the relevant Personal Information to us, we may not be able to provide our products or services to you. If you would like further information, please contact us using the details below (see section below ‘Who to contact about your Personal Information?’).
Where we rely on our legitimate business interests or the legitimate interests of a third party to justify the purposes for using your Personal Information, those legitimate interests will be set out in a supplemental privacy notice (which is tailored to our relationship with you where this is useful to provide you with a full picture of how we collect and use Personal Information), but in any event our legitimate interests will usually be:
- pursuit of our commercial activities and objectives, or those of a third party (for example, by carrying out direct marketing);
- compliance with applicable legal and regulatory obligations, and any guidelines, standards and codes of conduct (for example, by carrying out background checks or otherwise preventing, detecting or investigating fraud or money laundering);
- improvement and development of our business operations and service offering, or those of a third party;
- protection of our assets, information, business, shareholders, employees and customers, or those of a third party (for example, ensuring IT network and information security, enforcing claims, including debt collection);
- to keep our IT network/systems secure, prevent/detect crime and ascertain compliance with internal roles for using the system; and
- analysing competition in the market for our services (for example, by carrying out research, including market research).
We may need to collect, use and disclose Personal Information in connection with matters of important public interest, for instance when complying with our obligations under anti-money laundering and terrorist financing laws and regulations, and other laws and regulations aimed at preventing financial crime. In these cases, the legal justification for our use of Personal Information is that the use is necessary for matters of public interest. Additional justifications may also apply depending on the circumstances.
Sensitive/Special Categories of Personal Information
For more sensitive/special categories of Personal Information we will rely on either:
- your explicit consent; or
- one or more of the other legal justifications set out in the table below (which apply to all Personal Information) and typically one of the following additional justifications which are only required where we process sensitive/special categories of Personal Information (however other legal justifications may be available):
- the use is necessary for the establishment, exercise or defence of legal claims, or whenever courts are acting in their judicial capacity (for example, when a court issues a court order requiring the processing of Personal Information);
- the use is necessary for reasons of substantial public interest on the basis of EEA/member state or UK law (as applicable); or
- the use is necessary for the purposes of preventive or occupational medicine, medical diagnosis or the provision of health or social care or treatment.
These more sensitive/special categories of Personal Information include Personal Information revealing racial or ethnic origin, political opinions, religious or philosophical beliefs, or trade union membership, and the processing of genetic data, biometric data for the purpose of uniquely identifying a natural person, data concerning health or data concerning an individual’s sex life or sexual orientation.
Processing of Personal Information relating to criminal convictions and offences is subject to the requirements of applicable law and may require an additional legal justification beyond those identified in the table below.
Main Purposes
The main purposes for which we use Personal Information in relation to the types of Personal Information we collect and use and the legal justification we rely on for such collection and use are listed in the table below:
| Description of purpose | Types of Personal Information | Why we Process Personal Information (our legal justification) |
|---|---|---|
A. Communicate with you and other individuals |
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B. Make assessments and decisions (automated and non-automated, including by profiling individuals) about: (i) the provision and terms of insurance and (ii) settlement of claims and provision of assistance and other services. |
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C. Provide insurance, financial services, claims and assistance services, and other products and services which we offer, including claim assessment, administration, settlement and dispute resolution and administering, maintaining, managing and operating such products and/or services including any renewals. Such activities include: (i) sending you important information regarding changes to our policies, other terms and conditions, renewal of policies, AIG Digital Services and other administrative information; (ii) processing, assessing and determining any applications or requests made by you for insurance products or services; (iii) processing your Personal Information in connection with any claims made under any insurance products or in respect of any services provided by us including, without limitation, making, defending, analysing, investigating, processing, assessing, determining or responding to such claims; (iv) performing any functions and activities related to the insurance products and/or services provided by us including, without limitation, obtaining reinsurance, auditing, reporting and general servicing and maintenance of online and other service. |
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D. Assess your eligibility for payment plans, and process your premium and other payments.
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E. Improve the quality of our products and services, provide staff training and maintain information security (for example, for this purpose we may record or monitor phone calls). |
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F. Prevent, detect and investigate crime, including fraud and money laundering, and analyse and manage other commercial risks. |
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G. Carry out research and data analysis, business and process enhancements, including analysis of our customer base and other individuals whose Personal Information we collect, complete market research, including customer satisfaction surveys, for the purposes of business innovation and assess the risks faced by our business, in accordance with applicable law (including obtaining consent where required). |
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H. Provide marketing information in accordance with preferences you have told us about (marketing information may be about products and services offered by our third-party partners subject to your expressed preferences). We may carry out marketing activities in accordance with your preferences by using email, SMS and other text messaging, post or telephone.
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I. Allow you to participate in competitions, prize draws and similar promotions, and to administer these activities. These activities have additional terms and conditions, which will contain more information about how we use and disclose your Personal Information where this is useful to provide you with a full picture of how we collect and use Personal Information, so we recommend that you review those too. |
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J. Personalise your experience when you use AIG Digital Services or visit third-party websites by presenting information and advertisements tailored to you, identify you to anyone to whom you send messages through the AIG Digital Services, and facilitate sharing on social media. |
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K. Manage our business operations and IT infrastructure, in line with our internal policies and procedures, including those relating to finance and accounting; billing and collections; IT systems operation; data and website hosting; data analytics; business continuity; records management; document and print management; and auditing. |
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L. Manage complaints, feedback and queries, and handle requests for data access or correction, or the exercise of other rights relating to Personal Information. |
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M. Comply with applicable laws and regulatory obligations (including laws and regulations outside your country of residence), for example, laws and regulations relating to anti-money laundering, sanctions and anti-terrorism; comply with legal process and court orders; and respond to requests from public and government authorities (including those outside your country of residence); meeting the requirements to make disclosure pursuant to any law binding on us or for the purposes of complying with any regulations or guidelines issued by any regulatory or other authorities which have jurisdiction over AIG Malta or any AIG Affiliates; and for audit, compliance, investigation and inspection purposes. |
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N. Establish, enforce and defend legal rights to protect our business operations, and those of our group companies or business partners, and secure our rights, privacy, safety or property, and that of our group companies or business partners, you, or other individuals or third parties; to enforce our terms and conditions; and pursue available remedies and limit our damages. |
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O. Matching any Personal Information held by us relating to you from time to time for any of the purposes listed in this Privacy Policy. |
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P. Conducting background and identity checks, such as for the purposes of verifying your identity in order to respond to your request to be provided with a duplicate policy or other documentation, any request made by you to change your address in our records, or any request by you to change your bank account or payment or other details in our records. |
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Q. Conducting credit checks on you- such as analysing, verifying and/or checking your credit, payment and/or status in relation to your ability to use the services. |
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R. Carrying out due diligence or other screening activities in accordance with legal or regulatory obligations or risk management procedures that may be required by law or that may have been put in place by us. |
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S. Determining any amount of indebtedness owing to or from you and collecting or recovering any amount owing from you or any person who has provided security or an undertaking for such liabilities of yours. |
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T. Enabling an actual or proposed purchaser, assignee, transferee, participant or sub-participant of AIG’s rights or business to evaluate the transaction intended to be the subject of a reorganisation, merger, sale, joint venture, assignment, transfer, participation or sub-participation.
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We use Personal Information to carry out our business activities. The purposes for which we use your Personal Information will differ based on our relationship, including the type of communications between us and the services we provide. Personal Information will be used for different purposes if you are a policyholder, insured or claimant under an insurance policy, a commercial insurance broker or appointed representative, a witness or another individual with whom we have a relationship.
We may where required obtain your consent for the collection, use, disclosure and/or otherwise processing your Personal Information as described in this Privacy Policy through other relevant documentation (such as through application forms). Any consent given by you will not be affected by the termination or expiry of your insurance policy.
Where we rely on your consent to collect, use, disclose or process any of your Personal Information you may withdraw your consent at any time by contacting us (please see section titled ‘Who to contact about your Personal Information’ in this Privacy Policy for the contact details). We will effect your withdrawal of consent as soon as technically feasible and in any event within a reasonable period after receiving your request. We will, thereafter, cease to collect, use or disclose your Personal Information, unless required under applicable laws.
Should you withdraw your consent, you will not suffer any detriment, however, we may not be able to provide you with the services that you have requested and we will inform you of the consequences of such withdrawal of consent where applicable.
We are committed to detecting and preventing fraud, and other financial crime. We take this commitment very seriously and use Personal Information in a number of ways for this purpose.
For example, if relevant to our relationship with you, we will (where permitted by applicable law):
- submit your Personal Information (including details of any claims you make, for example, details of injuries) so that they appear on registers of claims which are shared between different insurance providers;
- search registers of previous claims when assessing a claim; and
- share your Personal Information with other insurers, fraud prevention agencies databases, and law enforcement agencies.
For further details, please see the section below ‘Who is Personal Information shared with?' or please contact us using the details provided below (see section below ‘Who to contact about your Personal Information?’).
Sometimes, as part of our business operations, decisions about you are taken using automated computer software and systems. These decisions do not involve human input, and the software and systems apply pre-defined logic programming and criteria to make a decision and assess how we deal with you in connection with the provision of services.
For example, we sometimes use automated decision making as part of a process to:
- decide whether a travel insurance claim should be paid as requested (for example, if pre-specified criteria are met by responses that you provide, the claim will be paid automatically without the need for additional human intervention); or
- identify known pre-existing medical conditions in connection with our travel insurance business to decide whether we can offer insurance to you and on what terms; or
- generally, assess your eligibility for insurance using a pre-defined set of criteria.
We provide you with more information in relation to any automated decision processes before or at the time that we intend to make decisions in this way. You have the right in certain circumstances not to be subject to a decision which is based solely on automated processing. Please see the section below 'What are your Personal Information rights?' below for further details of this right.
Where required to do so, we will seek your consent prior to collecting your Personal Information for the abovementioned processes.
The AIG group comprises a number of companies, including, but not limited to, the AIG parent company American International Group, Inc., American International Group UK Limited and AIG Europe SA country branches in Europe.
Each AIG group company that processes your Personal Information is responsible for looking after it in accordance with this Privacy Policy, our internal standards and procedures, and the requirements of data protection law.
Your relationship with us will determine which of our group companies has access to and processes your Personal Information, and which of our group companies are the data controller(s) responsible for your Personal Information. A list of the key AIG group companies that are data controllers is available here www.aig.com/datacontrollers. Usually, if you are an individual policyholder, the AIG group company that underwrites your insurance policy will be the main company responsible for your Personal Information, the controller. Depending on our relationship with you, we will provide further information in a supplemental privacy notice tailored to our relationship.
For more precise information about the specific company or companies in the AIG group that have access to and are responsible for your Personal Information (including the identity of the relevant AIG companies that are the data controller(s) for your Personal Information), please contact us using the details provided below (see section below ‘Who to contact about your Personal Information?’).
We may also share your information with third parties (see section below 'Who is Personal Information shared with?'). Those third parties will assume certain responsibilities under data protection law for looking after the Personal Information that they receive from us.
In connection with the purposes described above (see section above 'How do we use Personal Information?'), we sometimes need to share your Personal Information with third parties (this can involve third parties disclosing Personal Information to us and us disclosing Personal Information to them).
These third parties may include:
| Type of third party | Examples |
|---|---|
Our group companies |
We belong to the American International Group, Inc. group of companies. AIG has group companies throughout the world, both inside and outside Europe/Malta (for example, in the USA). We may share your Personal Information with other group companies (including for administrative accounting purposes). AIG Malta 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. A list of the key AIG group companies is available here www.aig.com/datacontrollers |
Other insurance and insurance distribution parties |
Where permitted by applicable law, AIG may share Personal Information with other third parties, for example, other insurers, reinsurers, insurance and reinsurance brokers, 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 and security professionals, accountants, actuaries, auditors, experts, lawyers and other professional advisors; travel and medical assistance providers; call centre service providers; roadside and accident assistance service providers; IT systems, support and hosting service providers; application service providers; printing, advertising, marketing and market research, and data 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 other third-party vendors and outsourced service providers that assist us in carrying out business activities. |
Recipients of your social media sharing activity |
Where you have friends and other connections associated with your social media account, other website users and your social media account provider may receive your Personal Information in connection with your social sharing activity (for example, if you connect a social media account provided by another social media service provider to your AIG Digital Services account or log into your AIG Digital Services account from another social media account). By connecting your AIG Digital Services account and your other social media account in this way, you (1) authorise us to share information with the provider of your other social media account; and (2) understand that the use of the Personal Information we share will be governed by the other service provider’s privacy policy. 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 Digital Services account and do not participate in social sharing while using AIG Digital Services. |
Government authorities and third parties involved in legal proceedings |
We may also share Personal Information with: (a) government or other public authorities (including, but not limited to, workers’ compensation boards, courts, regulatory bodies, law enforcement agencies, tax authorities and criminal investigations agencies); and (b) third-party participants in legal proceedings and their accountants, auditors, lawyers, and other advisors and representatives, as we believe to be necessary or appropriate. |
Other third parties |
We may share Personal Information with payees; emergency providers (fire, police and medical emergency services); retailers; medical networks, organisations and providers; travel carriers; credit bureaus; credit reporting agencies; 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 reorganisation, merger, sale, joint venture, assignment, transfer or other transaction relating to all or any portion of our businesses, assets, companies or stock (i.e. company shares). Where permitted by applicable law, Personal Information (including details of injuries) may be put on registers of claims and shared with other insurers. We may search these registers when dealing with claims to prevent, detect and investigate fraud. If you benefit from another party’s insurance policy or service arrangement with AIG (for example, a policy taken out by your employer), Personal Information relating to the administration of that insurance policy or service may be shared with that other party. |
Personal Information may also be shared by you on message boards, chat, profile pages and blogs, and other AIG Digital 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 Digital 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 Digital Services
Due to the global nature of our business activities, we process Personal Information internationally for the purposes set out above (see section entitled 'How do we use Personal Information?'). Depending on the nature of our relationship with you, we will transfer Personal Information to parties located in other countries. The countries outside of the UK and the EEA which we may transfer Personal Information to include the USA, China, Mexico, Malaysia, Philippines, Bermuda and other countries that have data protection regimes which are different from those in the country where you are based, including countries which have not been found to provide adequate protection for Personal Information by the UK Government and / or the European Commission.
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 information internationally to our group companies, service providers, business partners, government or public authorities, and other third parties.
When making these transfers, we will take steps to ensure that your Personal Information is adequately protected and transferred in accordance with the requirements of data protection law, including by:
- relying on the fact that a country has been approved by the European Commission or the UK Government (as applicable) as providing adequate protection; or
- using data transfer agreements in the form approved by the European Commission and, where applicable, the UK Government and permitted under Article 46 of the EU General Data Protection Regulation or the UK General Data Protection Regulation (GDPR) (the relevant data protection law).
If there is no data transfer agreement in place, we may use other mechanisms recognised by the relevant data protection law as ensuring an adequate level of protection for Personal Information transferred outside the EEA/UK (for example, the Trans-Atlantic Data Privacy Framework between the European Commission and USA or any framework that may replace it in the future).
This typically involves the use of standard contractual clauses approved or mandated by the relevant data protection authority or appropriate data transfer agreements.
For further information about these transfers and to request details of the safeguards in place, please contact us using the details below (see section below ‘Who to contact about your Personal Information?’).
AIG uses reasonable and appropriate technical, physical, legal and organisational measures, which comply with data protection laws to keep Personal Information secure, taking into account the nature, scope, context, complexity, risks and purposes of the processing of Personal Information.
We have implemented appropriate data protection policies that provide for the aforementioned security measures. We also train our colleagues regularly on data protection and information security.
As most of the Personal Information we hold is stored electronically we have implemented appropriate IT security measures to ensure this Personal Information is kept secure. For example, we may use anti-virus protection systems, firewalls, and data encryption technologies. We have procedures in place at our premises to keep any hard copy records physically secure. AIG also has a dedicated team that monitors the global AIG network for any potential cyber and IT security threats. We also train our staff regularly on data protection and information security.
When AIG engages a third party (including our service providers) to collect or otherwise process Personal Information on our behalf, the third party will be selected carefully and required to use appropriate security measures to protect the confidentiality and security of Personal Information.
Unfortunately, no data transmission over the Internet or electronic 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 sent to us has been compromised), please immediately notify us (see section below ‘Who to contact about your Personal Information?’).
AIG will take reasonable steps designed to ensure that the Personal Information processed is reliable for its intended use and is accurate and complete for carrying out the purposes described in this Policy.
We may record telephone calls with you so that we can:
- improve the standard of service that we provide by providing our staff with feedback and training;
- address queries, concerns or complaints;
- prevent, detect and investigate crime, including fraud and money laundering, and analyse and manage other commercial risks; and
- comply with our legal and regulatory obligations.
In addition, we monitor electronic communications between us (for example, emails) to protect you, our business and IT infrastructure, and third parties including by:
- identifying and dealing with inappropriate communications; and
- looking for and removing any viruses, or other malware, and resolving any other information security issues
AIG may store Personal Information either electronically (including in the cloud) or in paper form. We will keep Personal Information for as long as is necessary for the purposes for which we collect it. The precise period will depend on what the information is and purpose for which it is being processed. In addition, as a regulated financial services institution, there are laws and regulations that apply to us which set minimum periods for retention of Personal Information. We will provide you with further information if appropriate to give you a full picture of how we collect and use your Personal Information.
For example:
- Where we hold Personal Information to comply with a legal or regulatory obligation, we will keep the information for at least as long as is required to comply with that obligation.
- Where we hold Personal Information in order to provide a product or service (such as an insurance policy and claims handling), we will keep the information for at least as long as we provide the product or service, and for a number of years after expiry of the policy and the handling of any related claim.
The number of years varies depending on the nature of the product or service provided – for example, for certain insurance policies it may be necessary to keep the Personal Information for several years after the expiry of the policy. Among other reasons, we retain the information in order to respond to any queries or concerns that may be raised at a later date with respect to the policy or the handling of a claim. Typically, for consumer insurance products, the retention period is seven 7 years.
Electronic files stored on storage media devices are securely disposed by wiping and erasing the device and, thereafter, degaussing and shredding the device. Physical files are disposed of by secure shredding and pulping.
For further information about the period of time for which we retain your Personal Information, please contact us using the details below (see section below ‘Who to contact about your Personal Information?’).
We will provide you with regular opportunities to tell us your marketing preferences, including in our communications to you.
In certain countries, we may be required to obtain your consent for the use of your personal details for direct marketing purposes.
To tell us your marketing preferences, and to change your preferences if required, you can contact us by email at: info@montaldoinsurance.com
or by writing to: AIG Europe S.A., Malta Branch, 98/2 Melita Street, Valletta VLT 1120, Malta
In addition, you can also opt-out of receiving marketing communications as follows:
- Receiving email messages and text messages from us: If you no longer want to receive marketing emails or text messages from AIG, you can opt-out of receiving these marketing-related messages by clicking on the link to “unsubscribe” provided in each email message, following the stop instructions in a text message, or by contacting us using the addresses above.
- Receiving telephone communications and postal mail from us: If you no longer want to receive marketing via telephone communications or postal mail from AIG, you may opt-out of receiving these marketing communications by contacting us using the addresses above. You may also be able to contact a "Do not call" registry in your country to opt-out on a general basis from receiving marketing communications by telephone, although we may still contact you if you are listed on such a register if you have given your consent.
- Sharing of your Personal Information with our group companies for their marketing purposes: With your consent we may share your Personal Information with our group companies for their own marketing purposes. If you change your mind, you may opt-out of this sharing by contacting us using the addresses above.
- Sharing of your Personal Information with selected third-party partners for their marketing purposes: If you have provided your consent we may share your Personal Information with our third-party partners for their own marketing purposes. If you change your mind, you may opt-out of this sharing by contacting us using the addresses above.
We aim to comply with your opt-out requests within a reasonable time period and in any event within any period prescribed by law. Please note that if you opt-out as described above, we will not be able to remove your Personal Information from the databases of third parties with whom we have already shared your Personal Information (i.e. to those to whom we have already provided your Personal Information as of the date on which we respond to your opt-out request).
Please also note that if you do opt-out of receiving marketing communications from us, we may still send you other important service and administration communications relating to the services which we provide to you, and you cannot opt-out from these service and administration communications
The following is a summary of the data protection rights available to individuals in Malta in connection with their Personal Information. These rights may only apply in certain jurisdictions and/or circumstances and are subject to certain legal limitations or exemptions.
If you wish to exercise your rights, please contact us using the details below (see section below ‘Who to contact about your Personal Information?’).
| Right | Description |
|---|---|
Right of access to Personal Information |
The right to receive a copy of the Personal Information we hold about you and information about how we use it. This right is applicable at all times when we hold your Personal Information (subject to certain exemptions). |
Right to rectification of Personal Information |
The right to ask us to correct Personal Information we hold about you where it is incorrect or incomplete. This right is applicable at all times when we hold your Personal Information (subject to certain exemptions). |
Right to erasure of Personal Information |
This right is sometimes referred to as 'the right to be forgotten'. This is the right to request that your Personal Information be deleted or removed from our systems and records. However, this right only applies in certain circumstances. Examples of when this right applies to Personal Information we hold include (subject to certain exemptions):
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Right to restrict processing of Personal Information
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The right to request that we suspend our use of your Personal Information. This right only applies in certain circumstances. Where we suspend our use of your Personal Information, we will still be permitted to store your Personal Information, but any other use of this information while our use is suspended will require your consent, subject to certain exemptions. You can exercise this right if:
|
Right to data portability |
This right allows you to obtain your Personal Information in a format which enables you to transfer that Personal Information to another organisation, if this is technically feasible. However, this right will only apply:
|
Right to object to processing of Personal Information |
You have the right to object to our use of your Personal Information in certain circumstances. We may continue to use your Personal Information, despite your objection, where there are compelling legitimate grounds to do so or we need to use your Personal Information in connection with any legal claims. You can object to the use of your Personal Information for direct marketing purposes at any time (including if we are carrying out profiling related to direct marketing). |
Right to withdraw consent to processing of Personal Information |
Where we have relied upon your consent to process your Personal Information, you have the right to withdraw that consent. |
Right to complain to the relevant data protection regulator |
If you think that we have processed your Personal Information in a manner that is not in accordance with data protection law, in accordance with applicable law, you may be able to complain to the data protection regulator whether either the alleged infringement took place, or where you live or work. This right applies at any time. |
Rights relating to automated decision making and profiling |
The right not to be subject to a decision which is based solely on automated processing (without human involvement) where that decision produces a legal effect or otherwise significantly affects you. However, this right only applies in certain circumstances. This right is not applicable if:
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If you have any questions, concerns or complaints about the way your Personal Information is used by us, you can contact us by email or post using the details below.
email: ataprotectionofficer@montaldoinsurance.com
writing: Data Protection Officer, AIG Europe Limited, Malta Branch, 98/2 Melita Street, Valletta VLT 1120, Malta
User and device data is collected when you use AIG Digital Services. This information may not reveal your specific identity and therefore may not be Personal Information which is used as described in the earlier sections of this Privacy Policy.
Examples of this type of user and device data are:
- internet browser and electronic device information;
- operating system and platform;
- app usage data;
- information collected through cookies, pixel tags and other technologies (further details being described in our Cookie Policy);
- demographic information; and
- ·data grouped together so that it is not possible to link the data to a particular individual, known as aggregated data.
We and our third-party service providers may collect user and device data in a variety of ways when you use AIG Digital Services, including:
| Method of data collection | Examples |
|---|---|
Through 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, internet browser type and version, electronic device manufacturer and model, language, time of the visit, pages visited, and the name and version of the AIG Digital Services (such as the App) you are using. We use this information to ensure that the AIG Digital Services function properly. |
Through your use of an App |
When you download and use an 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. |
Physical location |
Subject to applicable law (and your consent where required by 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 personalised location-based services and content. Subject to your marketing preferences and 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 personalised 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 personalised services and content. In addition, we may obtain the precise geolocation of your device when you use our mobile applications for travel or other assistance services. In connection with providing travel or other assistance services, we may share your device’s precise geolocation information with our clients and other entities with whom we work. You may opt-out of our collection and sharing of precise geolocation information by deleting the mobile application from your device, by disallowing the mobile application to access location services through the permission system used by your device’s operating system, or by following any additional opt-out instructions provided in the privacy notice available within the mobile application. In some circumstances, physical location information may become your Personal Information if you are identifiable in relation to the physical location information. In such cases, the physical location information will be handled as Personal Information as described in the earlier sections of this Privacy Policy. |
Using information provided by 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 group information together so that it does not link to a specific individual, i.e. aggregate, and use that information (for example, we may aggregate information to calculate the percentage of our users who have a particular telephone area code). |
Please note that, where user and device data is not Personal Information, we may use and disclose that data for any purpose to the extent we are allowed to by law. If we are required to treat user and device data as Personal Information under applicable law, or if we combine user and device data with identifiable Personal Information, then, in addition to the uses listed in this section, we may use and disclose user and device data for all the purposes for which we use and disclose Personal Information.
Please refer to our Cookie Policy.
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 AIG Digital Services link. The inclusion of a link on AIG Digital 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 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 organisations through or in connection with AIG Digital Services.
This Privacy Policy was last updated on 31 January 2024.
We review this Privacy Policy regularly and reserve the right to make changes at any time to take account of changes in our business activities, legal requirements, and the manner in which we process Personal Information. We will place updates on this website and where appropriate we will give reasonable notice of any changes. In certain countries, where we process your Personal Information on the basis of your consent, we will seek further consent where there are material changes to the Privacy Policy as required by law.