ISO Online Privacy Notice
Last updated: 15 April 2014
Insurance Services Office, Inc. (“ISO”) respects your concerns about privacy. This Online Privacy Notice applies to personal information we collect on www.iso.com (the “Site”). The Online Privacy Notice describes the types of personal information we obtain, how we use the information, with whom we share it, and the choices you can make about our use of the information. We also describe the measures we take to protect the security of the information and how you can contact us about our privacy practices.
Visitors to the Site are subject to important limitations. Please review our Conditions of Use, which govern your visit to this site on the World Wide Web.
- Information We Obtain and How We Use It
- "Do Not Track" Signals
- Information We Share
- Your Rights and Choices
- Data Transfers
- How We Protect Personal Information
- Other ISO Websites
- Links to Other Websites
- Updates to Our Online Privacy Notice
- How to Contact Us
Information We Obtain and How We Use It
You may choose to provide personal information — including, but not limited to, your first and last name, physical address, e-mail address, or telephone number — through the Site. Here are ways you may provide the information and the types of information you may submit. We also describe how we may use the information you provide to us.
Information We Obtain
You may contact us by filling in information on forms or by sending an e-mail. Each form varies in the information required and collected. In most cases, an asterisk (*) indicates the required information on a form. You may choose to provide additional information within fields that are not required. You may complete a form or send us an e-mail to purchase a product, register for a conference, submit a request, respond to an e-mail, ask a question, or make a comment. We may use the information provided to respond to your inquiry, contact you about your request, ask a question, provide announcements about products and future events, conduct surveys, and contact you for other reasons related to offering and improving our services.
We may offer visitors to our Site various features, which we may change from time to time. We may ask you to submit certain personal information so we can provide you with those features.
Other Uses of Information
In addition to the uses discussed above, we also may use the personal information you provide on our Site to operate, evaluate, and improve our business. Specific uses include developing new products and services; managing our communications; performing market research; determining and managing the effectiveness of our advertising and marketing; analyzing our products, services, and websites; and administering our websites. We also may use the information to protect against and prevent fraud, claims, and other liabilities and to comply with or enforce applicable legal requirements, industry standards, and our policies and terms. In addition, we may use the information we obtain through this Site in other ways for which we provide specific notice at the time of collection.
Information We Obtain by Automated Means
When you visit our Site, we may collect certain information by automated means, using technologies such as cookies, web server logs, and web beacons. Cookies are files that websites send to your computer or other Internet-connected device to identify your browser uniquely or to store information or settings in your browser. Your browser may tell you when you receive certain types of cookies and how to restrict or disable certain cookies. Please note, however, that without cookies you may not be able to use all of the features of our Site and may not be able to purchase products that use a “shopping cart.” You can order any product by telephone by calling ISO Customer Service at 1-800-888-4476.
Our web servers may log information such as your operating system type, browser type, domain, and other system settings, as well as the language your system uses and the country and time zone where your device is located. The web server logs also may record information such as the address of the web page that referred you to our Site and the IP address of the device you use to connect to the Internet. They may also log information about your interaction with this Site, such as which pages you visit. To control which web servers collect information by automated means, we may place tags called “web beacons,” — small files that link web pages to particular web servers and their cookies. We may also collect information from your browser, such as your browsing history.
We use information collected online through cookies, web beacons, and other automated means for purposes such as customizing our visitors’ visits to the Site and understanding the manner in which our visitors browse the Site. We also use the information to help diagnose technical and service problems, administer the Site, identify visitors to the Site, and gather demographic information about our visitors. We use clickstream data to determine how much time visitors spend on web pages of the Site, how visitors navigate through the Site, and how we may tailor the Site to meet the needs of our visitors.
Your browser settings may allow you to transmit a “Do Not Track” signal to websites and online services you visit. Like many other websites and online services, we do not currently process or respond to “Do Not Track” signals from your browser or to other mechanisms that enable choice. Please note that, while we do not process or respond to “Do Not Track” signals, we do not permit third parties to collect your personally identifiable information (PII) and track your activity over time and across third-party websites or online services.
Information We Share
We do not sell or otherwise disclose personal information we collect on our Site, except as described here. We may share personal information we collect on this Site with affiliates and service providers that perform services on our behalf. We do not authorize those service providers to use or disclose the information except as necessary to perform services on our behalf or comply with legal requirements. We may share personal information we collect on this Site with our affiliates and with other reputable companies, which may use the information for marketing purposes.
In addition, we may disclose personal information about you (i) if we are required to do so by law or legal process (such as court order or subpoena), (ii) to law enforcement authorities or other government officials, (iii) when we believe disclosure is necessary or appropriate to prevent physical harm or financial loss, or (iv) in connection with an investigation of suspected or actual fraudulent or illegal activity. We reserve the right to transfer personal information we have about you in the event we sell or transfer all or a portion of our business or assets (including in the event of a reorganization, dissolution, or liquidation). Should such a sale or transfer occur, we will use reasonable efforts to direct the transferee to use personal information you have provided to us in a manner consistent with our Online Privacy Notice.
Your Rights and Choices
We offer you certain choices about how we communicate with you and what information we obtain from you. As required by applicable law, you may withdraw consent you previously provided to us. We will apply your preferences going forward. You may exercise these choices by contacting us as specified in the “How to Contact Us” section below. You may also, at any time, object — on legitimate grounds and free of charge — to the processing of your personal information.
If you are located in the European Economic Area (“EEA”) or Switzerland, you may direct us not to share your personal information with third parties, except (i) with service providers we have retained to perform services on our behalf, (ii) in the event we sell or transfer all or a portion of our business or assets (including in the event of a reorganization, dissolution, or liquidation), (iii) if disclosure is required by law or legal process, (iv) with law enforcement authorities or other government officials, or (v) when we believe disclosure is necessary or appropriate to prevent physical harm or financial loss or in connection with an investigation of suspected or actual fraud or other illegal activity. If you are located in the EEA or Switzerland, we use your personal information only for the purposes indicated in this Online Privacy Notice unless we have a legal basis, such as consent, to use it for other purposes. Where required by law, ISO customers obtain your prior opt-in consent at the time of collection for the processing of (i) personal information for marketing purposes and (ii) personal information deemed sensitive pursuant to applicable law.
Subject to applicable law, you may have the right to request access to and receive information about the personal information we maintain about you, update and correct inaccuracies in your personal data, and have the information blocked or deleted, as appropriate. The right to access personal information may be limited in some circumstances by local law requirements.
You may contact us as described in the “How to Contact Us” section below to update your preferences, ask us to remove your information from our mailing lists, or submit other requests.
We may transfer the personal information we obtain about you to countries other than the country in which we originally collected the information. Those countries may not have the same data protection laws as the country in which you initially provided the information. When we transfer your information to other countries, we will protect that information as described in this Online Privacy Notice and in accordance with applicable law.
If you are located in the EEA or Switzerland, we comply with applicable legal requirements providing adequate protection for the transfer of personal information to countries outside the EEA or Switzerland. ISO is certified under the Safe Harbor privacy framework as set forth by the U.S. Department of Commerce, European Commission, and Switzerland regarding the collection, storage, use, transfer, and other processing of personal data transferred from the EEA or Switzerland to the United States. Click here to view our Safe Harbor Privacy Statement.
How We Protect Personal Information
We maintain administrative, technical, and physical safeguards designed to protect the personal information you provide against accidental, unlawful, or unauthorized destruction, loss, alteration, access, disclosure, or use.
Through this Site, you may link to other websites operated by ISO and its affiliates (together, “ISO Sites”). Not all of the ISO Sites use this Online Privacy Notice. Individual ISO Sites may have different Online Privacy Notices that describe their own use and collection practices. To the extent that the Online Privacy Notice of an affiliate is different from the Online Privacy Notice for this Site, the provisions in the affiliate’s Online Privacy Notice control the practices identified for that ISO Site.
This Site may provide links to other sites. Companies other than ISO may operate those websites. Linked websites may have their own privacy policies, which we strongly suggest you review if you visit any linked websites. We are not responsible for the content of any websites we do not operate, any use of those websites, or the privacy practices of those websites.
We may update our Online Privacy Notice periodically and without prior notice to you to reflect changes in our personal information practices or relevant laws. We will post the updated version on this page and indicate at the top of the notice when it was most recently updated.
If you have any questions or comments about this Online Privacy Notice or to any issue relating to how we collect, use, or disclose personal information, or if you would like us to update information we have about you or your preferences, please contact us as indicated below.
- Write to us at:
Insurance Services Office
Attention: Chief Privacy Officer
545 Washington Boulevard
Jersey City, NJ 07310-1686