Privacy and Security

EFFECTIVE DATE:  May 16, 2014

Travelex Insurance Privacy Policy

Travelex Insurance Services, Inc. ("Travelex Insurance" or "us" or "our") provides the following details about our privacy practices regarding information collected, used and shared by us at www.travelexinsurance.com ("Website"), and other Travelex Insurance interactive and mobile applications (collectively, "Travelex Insurance Applications"). This Privacy Policy applies to your use of the Travelex Insurance Applications (however accessed and/or used, whether via personal computers, mobile devices or otherwise).

Each time that you access or use Travelex Insurance Applications you signify that you have read, understand, and agree to be bound by this Privacy Policy. If you do not agree to this Privacy Policy, you must discontinue using the Travelex Insurance Applications.

1. Introduction

At Travelex Insurance, we recognize that consumers are concerned about the privacy of their personal information. We would like you to understand why we ask for your personal information, what information we collect, what information we share, how you can change the information you have provided to us and how you can limit certain disclosures. We urge you to read our Privacy Policy carefully.

2. Why We Ask You For Your Personal Information

We ask you for your personal information for the following purposes:

  • To facilitate the provision of the products and services you purchase or request from us, including the verification of your identity;
  • To provide you with information and offers on Travelex Insurance products and services, that we believe may be of interest to you;
  • To enable Travelex Insurance affiliated companies to provide you with information on their products and services;
  • To comply with the law; and
  • For the purposes set forth in this Privacy Policy.

3. Information We Collect

Information You Provide: If you choose to order products or services from us you will have to provide us with certain information, including personal information such as: your name, mailing and/or e-mail address, credit or debit card information, Driver’s License or passport and/or other photographic identification. We may also obtain information about your transactions with us and/or our affiliated companies and other information for payment purposes or to comply with applicable legal requirements.

Federal law requires us to obtain, verify and record information in order to confirm your identity. This information will include your name, address, date of birth and any other information required in order to complete the verification process. The information provided by you and the results of the verification process will be retained by Travelex Insurance and our third party service providers for audit and applicable document retention purposes.

Surveys and Promotions: From time-to-time we may request information from you via surveys or promotions. Participation in these surveys or promotions which might include contests or sweepstakes, is completely voluntary; you have a choice whether or not to disclose this information. The requested information typically includes contact and demographic information. Contact information may be used to notify the winners and award prizes and file winners’ information, as required by law. Survey information will be used for the purpose of administering your participation in the survey, and the monitoring or improvement of the use and satisfaction of Travelex Insurance Applications and our products and services.

Information Collected Through Third Parties: We may from time to time supplement information you give us with information from other sources, such as information to validate or update your address or your billing information. We use this information to help us maintain the accuracy of the information we collect and for internal business analysis or other business purposes.

Information Collected Through Technology: In addition to the information that you choose to provide to us, we and our third-party service providers or affiliates may use a variety of online tracking technologies, such as cookies, embedded scripts and web beacons, that automatically (or passively) collect certain information whenever you visit or interact with Travelex Insurance Applications ("Usage Information"). Usage Information may include the browser that you are using, the URL that referred you to the Travelex Insurance Applications, your IP address, or other unique identifier (a number that is automatically assigned to a device) that identifies the device ("Device") used to access the Travelex Insurance Applications ("Device Identifier"), the regional location derived from your IP address, or geo-location derived from your mobile Device, all of the areas within the Travelex Insurance Applications that you visit, and the time of day, among other information. Usage Information may be non-identifying or may be associated with personal information about you. This Usage Information is used for many purposes including, but not limited to:

  • Provide identifying features to simplify your experience when you return to our Travelex Insurance Applications;
  • Deliver relevant content based on your preferences;
  • Monitor and evaluate the use and operation of our Travelex Insurance Applications;
  • Analyze traffic on our Travelex Insurance Applications and the applications of third parties and track your usage prior to, or after visiting the Travelex Insurance Applications.

Usage Information collected from your interaction with Travelex Insurance Applications might be combined with personal information which third party service providers have collected from other sources. We do not have access to, nor control over, third parties' use of cookies or other tracking technologies, therefore you should consult the respective privacy policies of these third parties for this information. If you would like more information regarding which third party companies we use to provide these services who may be serving cookies or other tracking tools on Travelex Insurance Applications or want to know more about your choices about not having this information collected or used by these companies, please click here.

You can choose to have your computer warn you each time a cookie is being sent, or you can choose to turn off such cookies through your browser settings. Each browser is different, so look at your browser Help menu often contains the correct way to modify your cookies. If you choose to disable cookies on your Device, some features of the Travelex Insurance Applications may not function properly.

4. Contacting You

In connection with a particular activity, purchase, or product or service, you may provide your contact information, including an email address or telephone number, and you agree that this action constitutes a purchase or inquiry establishing a business relationship with us. You expressly consent to our communicating with you about Travelex Insurance using the information you provided to us. You also attest that you have the legal authority over any telephone number you provide to us and can provide us with the authorization to contact you. This means we may contact you, in person or by recorded message, by e-mail, telephone and/or mobile telephone number (including use of automated dialing equipment), text (SMS) message, or any other means of communication that your wireless or other telecommunications device may be capable of receiving.

5. Use and Sharing of Your Information

If you provide information when purchasing products or services from Travelex Insurance, we may use such information for the purposes of:

  • Collecting payment and processing your order;
  • Complying with our legal and regulatory obligations (including fraud prevention and anti-money laundering);
  • Complying with our obligations to third parties in accordance with the terms and conditions of their services being provided on our behalf or directly to you;
  • Keeping you informed of other Travelex or third parties’ products or services that might be of interest to you;
  • Ensuring that content from the Travelex Insurance Applications is presented in the most effective manner for you and for the Device you use.

Transactional Communications: We may use your personal information to contact you about products and services or Travelex Insurance Applications for which you have expressed an interest, for example, if you have contacted customer service or made an inquiry. We may send you announcements and emails from time to time relating to the products and services you purchased from us. You may not opt-out of these communications, which are not promotional in nature.

Electronic Promotional Messages: We may send you promotional emails regarding special offers about Travelex products and services or products and services on behalf of third party marketing partners who we think can offer products, services or content of interest to you. If you do not wish to receive information from us regarding special promotions or offers you can opt out of receipt of such promotional mailings you can contact us per the contact information in paragraph 12 below. You may also click the unsubscribe link in the footer of any marketing email. Please note that even if you opt out of receiving promotional emails we may continue to send you transactional notifications that are related to your account, orders, or other products or services you have requested.

Direct Mail Promotional Offers: We may your name and mailing address which we obtain from you with other Travelex companies so they can provide marketing offers to you through direct mail. If you prefer not to have your name and mailing address shared with other Travelex companies for the purpose of third party direct mail promotional messages you can contact us per the contact information in paragraph 12 below. Please note that even if you opt out of receiving promotional mail we may continue to send you transactional notifications in the mail that are related to your account, orders, or other products or services you have requested.

Feedback: All comments, feedback or materials submitted by you to Travelex Insurance including feedback, testimonials, images, reviews, questions, comments, suggestions or ideas (collectively, "Feedback"), shall be received and treated by us on a non-confidential and unrestricted basis. Travelex Insurance will be free to use, display, perform, distribute, copy, adapt, and promote, in any medium now known or later developed, without compensation to you, the Feedback along with all ideas, concepts, know-how, techniques or methodologies contained in such Feedback, for any purpose whatsoever, including without limitation, developing, marketing and selling products and services incorporating such Feedback. You agree that in submitting Feedback, it will not violate any right of any third party, including any confidentiality, copyright, trademark, privacy or other personal or intellectual property or proprietary rights, and will not cause injury to any person or entity. You further agree that no Feedback you submit will be or contain libelous or otherwise unlawful, threatening, abusive or obscene material, or contain viruses, commercial solicitations, or any form of "spam".

Service Providers: We use third party service providers to help us operate our business and the Travelex Insurance Applications and administer activities on our behalf. We may share your information with these third parties for those limited purposes.

Co-Branded Strategic Partners: From time to time we may enter into a special relationship with another company to provide additional features on the Travelex Insurance Applications. These special relationships may include business partners, sponsors and co-branded Travelex Insurance Applications (referred to here as "co-branded pages"). Any information, including personally identifiable information that you provide on one of these co-branded pages will be shared with these third party partners. Since these third parties will use your information in accordance with their own privacy practices, you should check their website for information regarding their privacy policies. By participating in activities or providing your information on these co-branded pages, you also consent to our providing your personal information to those third parties.

Sweepstakes, Contests and Promotions: We may offer sweepstakes, contests, and other promotions (any, a "Promotion") through the Travelex Insurance Applications that may require registration. By participating in a Promotion, you are agreeing to official rules that govern that Promotion. If you choose to enter a Promotion, Personal Information may be disclosed to third parties or the public in connection with the administration of such Promotion and as required by law or permitted by the Promotion’s official rules.

Legal Matters; Safety: We may, without your consent, access and disclose your information, any communications sent or received by you and any other information that we may have about you or your account as may be permitted or required by law (including, but not limited to, court order or subpoena), or to prevent or investigate suspected fraud, violations of our Terms of Use, or activity that appears to us to be illegal or may expose us to legal liability. Additionally, we may disclose your information and/or communications in situations that we believe to be emergencies involving potential threats to the physical safety of any person or property if we believe that your information in any way relates to that threat or when we believe your conduct on the Travelex Insurance Applications is inappropriate, is detrimental to Travelex Insurance, or inconsistent with generally accepted norms of behavior.

Sale Or Transfer Of Business Or Assets: In the event that we, or any of our businesses, are sold or disposed of as a going concern, whether by merger, sale of assets or otherwise, or in the event of an insolvency, bankruptcy or receivership, information about our customers may be one of the assets sold or merged in connection with that transaction. Such information may also need to be disclosed in connection with a commercial transaction where we or any one of our businesses are seeking financing, investment, support or funding. In such transactions, personal information will be subject to the promises made in any pre-existing privacy policy in effect when the information was obtained.

6. Protection of Personal Information

We maintain physical, operational and electronic security measures to protect your personal information so that when you enter sensitive information (such as a credit card number) on our order forms, we encrypt the transmission of that information using secure socket layer technology (SSL). However, the transmission of information via the Internet is not completely secure and we cannot guarantee the security of information you transmit to us. Your use of the Travelex Insurance Applications indicates that you are willing to assume this risk.

7. Accessing Your Personal Information

If you want to review or verify personal information which you have provided to us you can contact us, per the contact information in paragraph 12 below, and we will respond to your request as soon as possible. There also may be instances where we will not be able to provide the personal information we hold about you that you request where such information has already been destroyed due to legal requirements or because we no longer need it for the purposes set out in this Privacy Policy. Furthermore, such information may not be shared with you where compliance with your request is too costly, in our determination, to retrieve or where Travelex Insurance cannot disclosed the requested information for legal reasons. If we are unable to provide you with access to your personal information, we will always explain why compliance is not possible, when such explanations are legally permitted. Keep in mind that if you wish to have your personal information deleted, we may not be able to honor your request due to applicable laws and regulations.

8. Keeping Your Personal Information Accurate

We take reasonable steps to maintain the accuracy of your personal information for as long as it is being used for the purposes set out in this Privacy Policy, and you play an active role in keeping us up-to-date. Prompt notification of any changes, for example to your mailing address or telephone number, will help us provide you with the best possible service. Should you discover, upon review of your personal information, that amendments are required, please advise us.

9. Links to Third Party Websites

Our Website includes links to other websites whose privacy practices may differ from those of Travelex Insurance. If you submit personal information to any of those websites, your information is governed by their privacy statements. We encourage you to carefully read the privacy statement of any website you visit.

10. Important Disclosures, Practices

A Note to International Users: The Travelex Insurance Applications are hosted in the United States. If you are using the Travelex Insurance Applications from outside the United States, by providing your information to the Travelex Insurance Applications, you are consenting to the transfer of your information to the United States for processing and maintenance in accordance with this Privacy Policy and our Terms of Use. You are also consenting to the application of United States federal, and Nebraska State law in all matters concerning the Travelex Insurance Applications.

Children's Privacy: The Travelex Insurance Applications are intended for general adult audiences and you represent that you are over the age of majority in your jurisdiction of residence in accordance with Travelex Insurance’s Terms of Use. If we have any reason to believe you are not the age of majority or older we may terminate your access to the Travelex Insurance Applications. We therefore do not knowingly collect personal information from individuals under the age of majority. If we later obtain actual knowledge that a user is under the age of majority, we will take commercially reasonable steps to remove that user’s personal information from our systems.

Disputes: If you choose to visit or access any services through the Travelex Insurance Applications any dispute concerning or related to your privacy is subject to this Privacy Policy, including limitations on damages, resolution of disputes, and application of the laws of the United States, and the State of Nebraska.

Your California Privacy Rights (As provided by California Civil Code Section 1798.83)

California’s "Shine the Light" law, Civil Code section 1798.83, requires certain businesses to respond to requests from California customers asking about the business' practices related to disclosing personal information to third parties for the third parties’ direct marketing purposes. Alternately, such businesses may have in place a policy not to disclose personal information of customers to third parties for the third parties’ direct marketing purposes if the customer has exercised an option to opt-out of such information-sharing. We have such a policy in place. If you do not want us to send you any offers from third parties through postal direct mail or share your name and mailing address with other Travelex companies so that they can send you postal direct mail offers about their products and services, you can contact us per the contact information in paragraph 12 below.

California Do Not Track Disclosure: Travelex’s website does not respond to DO NOT Track signals.  Third parties cannot collect any other personally identifiable information from Travelex’s websites unless you provide it to them directly.

No Rights of Third Parties:

This Privacy Policy does not create rights enforceable by third parties or require disclosure of any personal information relating to users of the Travelex Insurance Applications.

11. Change of Privacy Policy

We may change this Privacy Policy from time to time. The most recent version of the Privacy Policy will always be posted on our Website, with the "Effective Date" posted at the top of the Policy. By using our Travelex Insurance Applications or any service offered through the Travelex Insurance Applications after the Effective Date you are deemed to consent to our then-current privacy policy.

12. Please Contact Us

If, at any time, you have questions, concerns or comments about our Privacy Policy, please feel free to contact our privacy manager at privacy@travelexinsurance.com or write to us at:

Privacy Manager
Travelex Insurance Services, Inc
9140 West Dodge Road, Suite 300
Omaha, NE 68114

Copyright(c) 2014 Travelex Insurance Services, Inc. All Rights Reserved.


Third Parties Providers of Analytics Tools

This is a list of third parties who provide us with information, reports and analysis about the usage and browsing patterns of our users through tracking technology:

* Please note this list may not be complete as third party providers of analytics tools may be added or removed from time to time.  For a complete and up to date listing of third party providers of analytics tools, please contact our privacy manager at privacy@travelexinsurance.com.


Examples of online tracking technologies include:

Cookies: Cookies are pieces of information that a website can send to your browser, which may then be placed on the hard drive of your computer. Cookies may involve the transmission of information from us to you and from you directly to us, to another party on our behalf, or to another party in accordance with its privacy policy. We may use cookies to bring together information we collect about you and to personalize your experience on our Website. You can choose to have your computer warn you each time a cookie is being sent, or you can choose to turn off all cookies. You do this through your browser settings. Each browser is a little different, so look at your browser Help menu to learn the correct way to modify your cookies. If you turn cookies off, you won't have access to many features that make your user experience more efficient and some of our Services will not function properly.

Web beacons: Web beacons are small pieces of data that are embedded in images on the pages of web sites. Web beacons may involve the transmission of information directly to us, to another party on our behalf, or to another party in accordance with its Privacy Policy. We may use web beacons to bring together information we collect about you and to help us optimize and tailor our Website for you and other future visitors to our Website.

Embedded Scripts: An embedded script is programming code that is designed to collect information about your interactions with the Travelex Insurance Applications, such as the links you click on. The code is temporarily downloaded onto your Device from our web server or a third party service provider, is active only while you are connected to the Website, and is deactivated or deleted thereafter.

Top
For Assistance Please Call (800) 228-9792
The above information contains a brief description of benefits. Refer to the applicable Certificate of Insurance or Evidence of Coverage (the "Policy") for full policy details. Certain conditions, exclusions, and limitations apply as set out in the Policy. Products may not be available to residents of all states. If there is any conflict between the contents of this website and the Policy, the Policy will govern in all cases. *Assistance Services provided by Travelex's designated provider.