"QBE" refers to QBE, a Delaware corporation ("QBE") and the
active companies owned or controlled by QBE. These companies are QBE Insurance Agency, Inc., a California corporation, and QBE Property Tax Solutions, Inc. a Delaware corporation, QBE Enterprises, and Westwood Insurance Agency. QBE Insurance Agency,
Inc. is regulated by the insurance departments of the various states due to its
status as managing agent, managing general agency or program manager for its
various affiliated and non-affiliated insurance companies.
QBE respects the privacy of its customers and is committed to
protecting customer information on its Web sites with the same
care employed for all QBE transactions.
QBE does not automatically collect personal information from visitors to
its Web sites. Some QBE Web sites employ cookies, which are small pieces
of information that a Web site stores on a visitor's Web browser to remind the
site about the visitor the next time the site is visited. QBE does not
to enhance our customers' online session by making navigation easier. For
certain applications, such as those related to our single system hazard
outsourcing solution and our personal lines underwriting site, cookies are a
requirement because they help protect the privacy of a customer's transactions
by, for example, automatically terminating the online session if the customer
forgets to log out.
Cookies cannot be used to capture e-mail addresses, obtain data from hard
drives or gain confidential or sensitive information about site visitors.
Additionally, cookies cannot be read by any Web site other than the one that
the site visitor's browser.
QBE customer information privacy principles
As financial services professionals entrusted with sensitive
information, we respect the privacy of our customers and are committed to
treating customer information responsibly. Our Customer Information Privacy
Principles serve as standards for all QBE employees for collection, use,
retention, and security of individual customer information.
QBE collects and retains only customer information that is needed
We limit the amount and type of customer information we collect and
retain to that which is required to establish and manage customer
relationships, understand customer needs, provide customer services, offer new
products and services, and comply with legal and regulatory requirements.
Examples of information collected include the following:
Property Information: Includes
mailing address, property address, square footage, year built, underwriting
inspection reports, claims history reports, independent claims adjustment
reports, and other miscellaneous underwriting information.
Insurance Information: Includes
carrier and agent name, policy number, policy inception and expiration dates,
premium amount, premium due date, policy amount, coverage amounts and types,
loss payee/mortgagee and additional insured, and covered property address.
Loan Information: Includes
loan number, loan inception date, principal balance, escrow account number,
escrow account balance, mortgagor name and address, mortgagor phone number, and
Note: Other information collected and maintained by QBE's property tax application,
QBE TaxSource, includes real estate tax parcel, billing, and
payment information from taxing authorities throughout the United States. All
such information is available to the public, and as such, all information
gathered and maintained is "publicly-available information," and thus exempted
from the purview of privacy legislation.
QBE employees are responsible for customer information protection
We limit employee access to customer information to those employees
with a legitimate business need for the information. We have policies,
procedures, employee orientation, and communication programs designed for the
protection of customer information. It is the responsibility of each QBE
employee to comply with our Customer Information Privacy Principles policies
and procedures. Failure to comply subjects our employees to disciplinary
QBE limits the internal disclosure of customer information
We share non-transactional personal information, such as
applications, insurance underwriting and claims information, and real estate
tax information among affiliated and non-affiliated insurance companies and
local taxing jurisdictions.
QBE limits the external disclosure of customer information
We do not disclose customer information outside the QBE
We may share your personal information only with authorized employees and with
vendors, such as medical exam providers, insurance agents and claims
administrators whose services are required to assure the highest level of
service to you, as well as affiliates of QBE as applicable as permitted
by law. We reserve the right to disclose your information to these employees and
vendors without your authorization as applicable as permitted by law.
We will not disclose any non-public personal financial information about our
customers to others, except as authorized by law or as described in this
We may also enter into joint marketing agreements with other reputable
financial institutions in order to bring additional products and services to
your attention. We may disclose all of the financial information we collect as
described above to individuals or companies that perform marketing services on
our behalf, or to other financial institutions with whom we have joint
marketing arrangements. We will choose these partners carefully and hold them
to our own standards of respect for your privacy. We also may share your
when we suspect fraud or are otherwise required or permitted to do
so by law or regulation,
when a customer requests or gives us permission to do so.
QBE provides security safeguards to protect customer information
We use advanced technology and information management techniques to
implement security, audit, and control programs designed to protect customer
QBE protects customer information on our Web sites
We protect the privacy of customer information sent to and from our
Web sites. In addition to the security and privacy standards that are applied
to transactions, we also use specific controls designed to identify and
authenticate all our online customers and prevent and detect unauthorized
access to our websites.