Online Privacy Policy

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.

This Internet Privacy Policy applies to www.chubb.com/ca and other websites or mobile applications that link to the www.chubb.com/ca website (the “Online Services”). It does not apply to www.chubb.com, www.combinedinsurance.com and any non-Chubb websites or mobile applications that you may access via the Online Services. Such services are governed by the privacy policies appearing on those sites and applications. Depending upon your relationship with us, you may receive other privacy notices from us providing additional detail about our privacy practices.

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. 

Children’s Privacy

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:

• to provide you with, renew or modify products and services;
• to provide you with the information and documents you request and for other customer service purposes;
• to process claims;
• to provide you with information about the Online Services or required notices;
• to deliver marketing communications or promotional materials that may be of interest to you and to assist us in determining relevant advertising;
• to improve the services we provide and the usefulness of the Online Services;
• to customize your experience when using the Online Services;
• to comply with applicable laws;
• to perform research; and
• to prevent and detect fraud, infringement and other potential misuse.

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

Cookies. Chubb may place electronic “cookies” in the browser files of your computer or mobile device when you access a Chubb website or app. Cookies are pieces of information that a Chubb website transfers to your computer or mobile device to enable our systems to recognize your browser and to tailor the information on our websites to your interests. For example, if you previously visited a Chubb website and accessed your account information or inquired about particular services over the website, cookies enable us to present information tailored to your account and/or those particular interests the next time you visit the website. Moreover, Chubb or our third party service providers or business partners may place cookies on your computer or mobile device that can be matched to other personal information we maintain about you to pre-populate certain online forms for your convenience. We also use cookies to analyze visitors’ use of our websites. This analysis helps us better understand which areas of our sites are most useful and popular so we can plan improvements and updates accordingly. Third parties, including Facebook, may use cookies, web beacons, and other storage technologies to collect or receive information from Chubb websites and apps and elsewhere on the internet and use that information to provide measurement services and target advertisements to you.

Why are cookies important for the use of Chubb websites?

We use cookies to improve the functionality of this website and to track information about how the website is used in order to continually improve it and personalize it to user preferences.  In particular:

1. Cookies enable an individually tailored use of the websites. Some functions on our websites cannot be used without cookies, i.e. logging in or changing settings. Cookies need to be enabled for optimal use of the website.
2. We are unable to monitor visitor numbers for our website without cookies. Security and fraud risks on our site increase without this information, which is something we wish to avoid.
3. Cookies allow us to check how users access and navigate our site. This is very important in order to make the website better and more user friendly.

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:

• Internet Explorer: https://support.microsoft.com/en-us/help/260971/description-of-cookies
• Mozilla Firefox: https://support.mozilla.com/en-US/kb/Cookies 
• Google Chrome: https://www.google.com/support/chrome/bin/answer.py?hl=en&answer=95647 
• Safari: https://support.apple.com/kb/PH5042 
• Opera: https://www.opera.com/browser/tutorials/security/privacy/

For further general information on cookies and more detailed advice on how to disable and enable them please go to https://www.allaboutcookies.org.

Do Not Track. We and our service providers or third-party ad servers may also use cookies or similar technologies to collect information about your browsing activities over time and across different websites following your use of the Online Services. While, as described above, you may have the opportunity to control the use of cookies through your web browser, we do not currently respond to web browser “Do Not Track” signals or other mechanisms that provide a method to opt-out of the collection of information across the networks of websites and online services in which we participate. For more information about Do Not Track, please visit www.allaboutdnt.com.

Third Party Analytics. We use automated devices and applications, such as Google Analytics, to evaluate usage of our Online Services. We also may use other analytic means to evaluate our Online Services. We use these tools to help us improve our services, performance, and user experiences. These entities may use cookies and other tracking technologies to perform their services. We do not share your name and contact information with these third party analytics providers; however, these providers may obtain unique identifiers for your device or your IP address.

Third Party Advertising Networks. We use third parties such as network advertisers to serve advertisements on third-party websites or other media (e.g., social networking platforms). This enables us and these third parties to target advertisements to you for products and services in which you might be interested. Third-party ad network providers, advertisers, sponsors and/or traffic measurement services may use cookies, JavaScript, web beacons (including clear GIFs), Flash LSOs and other tracking technologies to measure the effectiveness of their ads and to personalize advertising content to you. These third-party cookies and other technologies are governed by each third party’s specific privacy policy, not this one. We may provide these third-party advertisers with information about you.

Please see below for a summary of the cookies and similar technologies that we may use on our websites: