Policies for eReinsure

Legal Notices

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Website Terms of Use

The information contained on this website is provided by eReinsure.com, Inc. (“eReinsure”) and is for general information purposes only. While we strive to keep the information up to date, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, suitability, reliability or availability with respect to the website or the information, products, services, or related graphics contained on the website for any purpose. Any reliance you place on such information is solely at your own risk.

The contents of this website are protected by copyright under both United States and foreign laws. Unauthorized use of the Materials may violate copyright, trademark, and other laws. Therefore, any copy of the Materials or any portion thereof viewed, downloaded or otherwise accessed by you must retain all copyright, trademark, and other proprietary notices as contained in the original Materials. Such a copyright notice should read:

(c) eReinsure.com, Inc. All rights reserved.

eReinsure controls this web site from its offices in the United States of America. eReinsure makes no claims that the contents are appropriate or may be viewed or accessed outside of the United States. Access to the website may not be legal by certain persons in certain countries. If you access the website from outside the United States, you do so at your own risk and are responsible for compliance with local laws.

Through this website you may be able to link to other websites that are not under the control of eReinsure. We have no control over the content, nature or availability of those sites. The inclusion of any links does not necessarily imply a recommendation or endorse the views expressed within them.

We strive to keep this website operating effectively. However, eReinsure takes no responsibility for, and will not be liable for, the website being temporarily unavailable due to technical issues beyond our control.

Contact Information:

Pursuant to 17 U.S.C. 512(c), notice is hereby given that the person identified below is the Designated Agent for receiving complaints concerning this web site, including for purposes of receiving notification of any claims of intellectual property infringement:

eReinsure.com, Inc.
257 East 200 South
Suite 650
Salt Lake City, Utah 84111
Telephone: 801-521-0600
Email: support at ereinsure dot com

Privacy Policy

PRIVACY AND PROTECTION OF PERSONAL INFORMATION

eReinsure.com, Inc. (herein "eReinsure"), is committed to protecting and respecting your personal information and other data provided to us via our web sites and business partner engagement platforms including www.eReinsure.com and https://negotiationplatform.ereinsure.com. This Privacy Policy explains how we use your information as well as what safeguards we have in place to protect it. You should also read the separate Terms and Conditions applicable to these web sites and systems as well as your Master License & Services Agreement, if applicable.

Except for those cases where specific consent is required by the GDPR in the European Union, by using our web sites and systems, you expressly agree to the collection and use of your information as set out herein and for the purposes set out in this Privacy Policy.

The EU-US Data Privacy Framework (EU-US DPF),the UK Extension to the EU-US DPR, and the Swiss-US Data Privacy Framework (Swiss-US DPF) :

eReinsure.com, Inc. complies with the EU-U.S. Data Privacy Framework program (EU-U.S. DPF), the UK Extension to the EU-U.S. DPF, and the Swiss-U.S. Data Privacy Framework program (Swiss-U.S. DPF) as set forth by the U.S. Department of Commerce. eReinsure.com, Inc. has certified to the U.S. Department of Commerce that it adheres to the EU-U.S. Data Privacy Framework Principles (EU-U.S. DPF Principles) with regard to the processing of personal data received from the European Union in reliance on the EU-U.S. DPF and from the United Kingdom (and Gibraltar) in reliance on the UK Extension to the EU-U.S. DPF. eReinsure.com, Inc. has certified to the U.S. Department of Commerce that it adheres to the Swiss-U.S. Data Privacy Framework program Principles (Swiss-U.S. DPF Principles) with regard to the processing of personal data received from Switzerland in reliance on the Swiss-U.S. DPF. If there is any conflict between the terms in this privacy policy and the EU-U.S. DPF Principles and/or the Swiss-U.S. DPF Principles, the Principles shall govern. To learn more about the Data Privacy Framework (DPF) program, and to view our certification, please visit https://www.dataprivacyframework.gov/.

Collection of personal information and how we use it

We may collect certain information when you visit our web sites, such as your IP address, cookies, and information about your computer system in order to maintain your user session, administer our website, analyze visitor traffic and volume, and help diagnose problems with or otherwise maintain our servers, software, and other systems.

In addition, depending on your use of our platform and systems we may collect additional information, such as your name, email address, telephone and fax numbers, your employer, division, and job title may also be used to facilitate the transactions between participating users of our systems. We may also collect and store other information that you provide to us, including transaction specific information and our records of messages posted through our systems and the contents of those messages. This information will be used solely in the information interchange between you and any other participating user that you have elected to communicate with during the negotiation of a transaction through use of our platform. This information will not be made available to any other third party in accordance with the terms of our Master License and Service Agreements which govern the exchange of data over the eReinsure platform and related transactions.

When contacting us about our services, or requesting support or training, eReinsure requires you to provide personal contact information, such as name, company name, address, phone number, and email address. This information allows us to respond to your request.

We may also use your information to notify you of news about eReinsure, changes to our systems, or new services that we think may interest you. If, at any time, you would rather not receive any such information, please send an e-mail to eReinsure customer support at support at ereinsure dot com.

How we share your information

eReinsure will not disclose or sell your personal information to others, except as described in this Privacy Policy.

eReinsure may retain data center service providers and suppliers to deliver products and services consisting of server and data storage capacity and data security and intrusion detection systems to our company. eReinsure may also employ professional advisors or agents such as accountants, auditors or legal advisors during the normal course of our business. Suppliers, service providers, advisors or agents are required by contract to keep confidential the information received on behalf of eReinsure and may not use it for any purpose other than to carry out the specific services they are performing for eReinsure.

Your use of eReinsure may require the export of your personal information to eReinsure servers in the US and Worldwide in accordance with this Privacy Policy. Such export is a necessary requirement of providing the information to eReinsure for the intended purpose of business partner engagement. eReinsure is party to the EU-US DPF, the UK Extension to the EU-US DPF, and the Swiss–US Data Privacy Framework and takes reasonable measures to ensure the adequacy of data protection safeguards for the information.

Except as described in this Policy, eReinsure will not share the personal information you provide to eReinsure with non-eReinsure third parties without your permission, except when: (i) We are required to disclose an individual’s personal information in response to a lawful request by public authorities, including to meet national security or law enforcement requirements; (ii) we must comply with any law, regulation, subpoena, or court order; (iii) we must help to prevent fraud or to enforce or protect the rights and properties of eReinsure or its subsidiaries; or (iv) to protect the personal safety of eReinsure employees and third parties on eReinsure property.

Circumstances may arise where, whether for strategic or other business reasons, eReinsure decides to sell, buy, merge or otherwise reorganize businesses in some countries. Such a transaction may involve the disclosure of personal information to prospective or actual purchasers, or the receipt of it from sellers. It is eReinsure's practice to seek appropriate protection for information in these types of transactions.

It is also necessary, in the course of completing a transaction on eReinsure's systems, to share certain transaction-related details with a user's counterparty. All parties to a transaction are bound by the terms of a Master License and Services Agreement, which governs the exchange of data over the eReinsure platform and related transactions.

In cases of any onward transfer to third parties of data of EU, UK, and Swiss individuals received pursuant to the Data Privacy Framework Principles, eReinsure is potentially liable.

Your rights, choices and preferences

You have the right to opt-out of having your personal information disclosed to a third party (except an agent of eReinsure) or used for a purpose that is materially different from the purpose for which is was originally collected. To opt-out of disclosing personal information you should contact support at ereinsure dot com and request inactivation of your account. However, your personal information will continue to be used by us for the purposes of maintaining an audit trail of past transactions that were authorized by you and where the record of your identity is potentially relevant to the legal enforcement of the reinsurance contract.

If eReinsure holds any of your sensitive personal information, before it is shared with third parties (except an agent of eReinsure) you will have an opt-in choice where you will either elect to disclose this information by your specific actions using the system or alternatively eReinsure must receive an affirmative response from you that your sensitive personal information can be shared.

You also have the right to access the information held about you by us and to have this information amended if incorrect. If you wish to access or update any of your information held by eReinsure, you can either log on to your account and make appropriate changes, e-mail a request to eReinsure customer support at support at ereinsure dot com, or contact us at the location described below.

You are entitled to receive a copy of this Privacy Policy, which is available at http://www.ereinsure.com/policies.html#privacy. Any changes to this policy will be posted to this location.

Keeping your information secure

eReinsure takes appropriate measures including the introduction and maintenance of IT security and operational measures to protect the information on our systems. eReinsure systems may only be accessed using a unique user ID and password. eReinsure will take steps to restrict the information which is available to users of its platform and systems so far as practicable to that which is necessary for the anticipated activities.

eReinsure has installed a system to ensure that communications between users of eReinsure travel along an encrypted connection, commonly referred to as SSL which uses digital server identities to help ensure that information you provide is passed only to eReinsure. When you transmit information to eReinsure, your browser will be provided with an electronic certificate confirming that you have accessed our site and communications between you and eReinsure will be encrypted.

Firewalls are used to attempt to block unauthorized traffic to the system. The actual servers are located in a secure location which can be accessed only by authorized personnel.

We also take appropriate measures to keep your information confidential. eReinsure's internal procedures cover the storage, access and disclosure of your information.

We seek to limit our employees' access to your information to those employees who need to have such information to service your account. We emphasize to our employees the confidential nature of user information and the high level of importance which eReinsure places on maintaining this confidentiality. We undertake regular training of our employees on the subject of information security. Furthermore, any companies we hire to provide support services must comply with our privacy policies and provide adequate safeguards to keep that information secure.

Enforcement

eReinsure is subject to the investigatory and enforcement powers of the US Federal Trade Commission (FTC).

Changes to this statement

The eReinsure Privacy Policy is effective 1st January 2024. If we make any changes to the Policy, they will be posted at http://www.ereinsure.com/policies.html#privacy, along with an updated revision date. If there are significant changes in policy, we may notify affected users by additional means, including email and/or postal mail.

Complaint handling under the
EU-US DPF, the UK Extension to the EU-US DPF and the Swiss-US DPF

In compliance with the EU-US Data Privacy Framework Principles, eReinsure commits to resolve complaints about your privacy and our collection or use of your personal information transferred to the United States pursuant to the DPF Principles. European Union, Swiss and United Kingdom individuals with DPF inquiries or complaints should first contact eReinsure at:

Privacy Team
eReinsure.com, Inc.
257 East 200 South
Suite 650
Salt Lake City, Utah 84111
Telephone: 801-521-0600
or +44 (0)7939.927.020
Email: privacy at ereinsure dot com

eReinsure has further committed to refer unresolved privacy complaints under the DPF Principles to an independent dispute resolution mechanism, Data Privacy Framework Services, operated by BBB National Programs. If you do not receive timely acknowledgment of your complaint, or if your complaint is not satisfactorily addressed, please visit https://bbbprograms.org/programs/all-programs/dpf-consumers/ProcessForConsumers for more information and to file a complaint. This service is provided free of charge to you.

If your DPF complaint cannot be resolved through the above channels, under certain conditions, you may invoke binding arbitration for some residual claims not resolved by other redress mechanisms. See https://www.dataprivacyframework.gov/s/article/G-Arbitration-Procedures-dpf?tabset-35584=2

Europe & GDPR

The EU General Data Protection Regulation (“GDPR”) is a comprehensive data protection law that updates existing EU laws to strengthen the protection of “personal data” (any information relating to an identified or identifiable natural person, so called “data subjects”) in light of rapid technological developments, the increasingly global nature of business and more complex international flows of personal data. The GDPR takes effect on May 25, 2018.

In Europe and the UK, the lawful basis for eReinsure processing your personal data is where there is a legitimate interest. eReinsure adheres to the 6 principles of data protection as set out in GDPR. These principles state that personal data must be:

1. “Processed lawfully, fairly and in a transparent manner in relation to individuals.”

   In Europe and the UK, the lawful basis for eReinsure processing your personal data is legitimate interest through our provision of a platform for negotiation, management and control of reinsurance transactions.

2. “Collected for specified, explicit and legitimate purposes and not further processed in a manner that is incompatible with those purposes.”

   We explain how we use your personal information in the paragraph titled “Collection of personal information and how we use it” above. Essentially, we only use the information for the intended purpose of negotiation, management and control of reinsurance transactions and for management of the eReinsure platform.

3. “Adequate, relevant and limited to what is necessary in relation to the purposes for which they are processed.”

   As discussed above, eReinsure collects limited details about persons using our system so that the audit trail can evidence the persons involved in a reinsurance transaction. The Personal data also facilitates communication between the parties negotiating a reinsurance contract and permits notification of changes of status and final status during the negotiation process. As stated above, eReinsure does not use personal data for any unrelated purposes.

4. “Accurate and, where necessary, kept up to date; every reasonable step must be taken to ensure that personal data that are inaccurate, having regard to the purposes for which they are processed, are erased or rectified without delay.”

   eReinsure does not enter into Master License and Services Agreements with individuals and so any person using the eReinsure systems will be doing so in the context of their employment. eReinsure relies on employers to seek any necessary consent for a system user’s personal data to be entered into the eReinsure system. If you are an eReinsure user based in the European Union and your employer has not obtained your consent please contact us so that we can contact your employer and raise the issue. Under the eReinsure Master License Agreement, companies licensing access to the eReinsure system also undertake to keep the user details accurate. eReinsure users can review their user details in the settings page and have the ability to correct or update Personal data.

5. “Personal data shall be kept in a form which permits identification of data subjects for no longer than is necessary for the purposes for which the personal data are processed.”

   Personal data may be stored for longer periods insofar as the personal data will be part of the auditable record of a reinsurance negotiation. eReinsure will review its data retention policy annually to consider whether or not it is appropriate given the nature of reinsurance to retain records of historical reinsurance transactions. Personal data may also be used for statistical purposes subject to implementation of the appropriate technical and organizational measures required by the GDPR in order to safeguard the rights and freedoms of individuals.

6. “Processed in a manner that ensures appropriate security of the personal data, including protection against unauthorized or unlawful processing and against accidental loss, destruction or damage, using appropriate technical or organizational measures.”

   As stated above in “Keeping your information secure” eReinsure takes the security of Personal data very seriously and will continue to maintain advanced and modern technical security.

Questions, Comments and Complaints about Our Handling of Personal Information

We value your opinions and feedback. If you have questions or concerns about our collection, use, storage or disclosure of personal information, or about the eReinsure Privacy Policy, you may send them via email to eReinsure Customer Support or contact us at the address below. eReinsure will take any privacy complaint seriously and we will aim to resolve any issue in a timely and efficient manner. We request that you cooperate with us during this process and provide us with any relevant information that we may need.

UK and Europe:
Data Protection Office
Amwins Global Risks Group Limited
22 Bishopsgate
London
EC2N 4BQ
dpo at amwinsglobalrisks dot com

You also have the right to report concerns or make complaints to the Information Commissioner's Office (ICO). For more information on your rights and how to contact the ICO, please refer to their website – https://www.ico.org.uk

California Consumer Privacy Act

For California residents California Civil Code section 1798.100-1798.199 provides you with the following rights:

Right to know your collected personal information. You may request that we identify the (i) categories of personal information we collected about you in the past 12 months; (ii) the categories of sources from which the personal information is collected; (iii) the business or commercial purpose for collecting the information; (iv) the categories of third parties with whom the Company shares the personal information; and (v) the specific pieces of personal information that we have collected about you.

Right to know your disclosed personal information. You may request that we state (i) whether we have disclosed any of your personal information to third parties for a business or commercial purpose in the prior 12 months; (ii) list the categories of personal information that we have disclosed, if any, to third parties for a business or commercial purpose in the prior 12 months.

Right to request deletion of personal information. Subject to legal exceptions, you may request that we delete your personal information.

We will not discriminate against you for exercising any rights you have under the California Consumer Privacy Act.

If you are a California resident and want to exercise any right under the California Consumer Privacy Act, you may do so by contacting us at:

Privacy Team
eReinsure.com, Inc.
257 East 200 South
Suite 650
Salt Lake City, Utah 84111
Telephone: +1 801-521-0600
or +44 (0)7939.927.020
Email: privacy at ereinsure dot com

Please be advised we will first need to verify your identity before you can exercise any of your rights.

Under California law, we are only required to respond to such request from the same individual no more than twice in a 12-month period.