ACE Insurance – Privacy Policy

provide a set of privacy standards which govern our procedures and which protect the privacy of your personal information;

  demonstrate our ongoing commitment to protecting your privacy and addressing any privacy concerns that you might have;

describe the ways in which we collect, use and handle your personal information; and

facilitate our compliance with any further developments in the protection of privacy.

To carry out the purposes for the collection of such information for which you have consented;

To provide, market or improve ACE services and products;

To compile aggregate information for system administration, analysis and in reports to our advertisers or selected third parties, which is statistical data or trade analysis which does not identify any individual.

To provide you with information, products or services that you request from us or which we feel may interest you, where you have consented to be contacted for such purposes.

We sometimes rely on third parties to carry out particular activities on our behalf.  As a result, information collected from you may be shared by ACE with its related corporations, service providers, assessors, call centres, loss adjusters, investigators, mail houses, other insurance companies, agents or business partners and affiliates that we work with in connection with our business.

ACE reserves the right to disclose your information in circumstances where we believe that disclosure is required under the law, to cooperate with regulators or law enforcement authorities or to protect our rights and property.

a)

providing access would pose a serious and imminent threat to the life or health of any individual; or

b)

  in the case of health information, where providing access would pose a serious threat to the life or health of any individual; or

c)

providing access would have an unreasonable impact on the privacy of other individuals; or

d)

the request for access is frivolous or vexatious; or

e)

 the information relates to existing or anticipated legal proceedings between ACE and you and the information would not be accessible by the process of discovery in those proceeding; or

f)

access to the information would reveal the intentions of ACE in relation to negotiations with you in such a way as to prejudice those negotiations; or

g)

providing access would be unlawful; or

h)

 denying access is required or authorised by or under any law; or

i)

providing access would be likely to prejudice an investigation of possible unlawful activity; or

j)

providing access would be likely to prejudice:

i

the prevention, detection, investigation, prosecution or punishment of criminal offences, breaches of a law imposing a penalty or sanction or breaches a prescribed law; or

ii

the enforcement of laws relating to the confiscation of the proceeds of crime; or

iii

the protection of the public revenue; or

iv

the prevention, detection, investigation or remedying of seriously improper conduct or prescribed conduct; or

v

the preparation for, or conduct of, proceedings before any court or tribunal, or implementation of its orders;

by or on behalf of an enforcement body; or

k)

where an enforcement body performing a lawful security function asks ACE not to provide access to the information.

a)

Please note that you play an important and substantial part in protecting the security and confidentiality of your personal information in connection with your use of our website. Where we have given you (or you have chosen) a password which enables you to access any ACE service, you are responsible for keeping this password confidential. We ask you not to share your password with anyone.

b)

We also advise you that the transmission of information via the Internet is not completely secure, and may be intercepted or accessed by unauthorized third parties. While we will do our best to protect your personal information, we cannot guarantee the security of your information transmitted through our website; any transmission is at your own risk. It is your responsibility to take all necessary security precautions to ensure the integrity of your computer system, to minimize the risks of third parties gaining unnoticed access to your computer system, and to protect your computer system from viruses and other malicious code.

a)

This Policy only applies to ACE and our website. ACE may promote links to third party websites which are outside our control. These sites may also collect information about you, and use this information according to their privacy practices which may differ from this Policy.

b)

ACE reserves the right to modify this Policy at any time by placing a notice through our website. Continued use of our website signifies acceptance of any such modification.