EFFECTIVE DATE: May 27, 2020
All residents of the United States who hold a Travelex policy need to take heed of their respective state’s insurance fraud warning. It is a criminal offense to submit a claim that contains false, misleading, or altered facts or documents, or if you intentionally attempt to defraud an insurance company.
- What Information Do We Collect?
- How Do We Use Your Information?
- Who Do We Share Information With?
- Protection of Information
- Links to Third Party Sites
- Notice to International Users
- Children’s Privacy
- Disputes Residents Privacy Rights
- (a) Exercising California Residents Rights
- (b) Sharing of California Resident Personal Information
- (c) Sale of California Resident Personal Information
- (d) “Shine the Light” Law
- Nevada Resident Privacy Rights
- Your Choices
- Contact Us
Information You Provide Directly to UsWe collect the information you provide directly to us in order to provide the best service possible. For example, we collect information when you: interact with Travelex Insurance in person, by phone or through mail or email, request or purchase a plan, register for an account, participate in any interactive features of the Sites, subscribe to a newsletter or email list, participate in a survey, contest, promotion or event, request customer support or otherwise communicate with us. Categories of information we may collect from you include:
- Account Information. When you register or contract for an account on the Sites or other channels to become a partner, you will need to provide us with certain personal information to complete the registration, including information that can be used to contact or identify you, which may include your name, email address, mailing address, username, and phone number. We also collect other information you provide as part of the registration process and the administration and personalization of your user experience. We may combine this information with the personal information we collect from you.
- Transaction Information. 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 and/or other photographic identification.
- Content You Submit. We collect the content you submit to the Sites. This includes all comments, feedback or materials submitted by you to us, for example, feedback, testimonials, images, reviews, questions, comments, suggestions or ideas (“Feedback”). Travelex Insurance will be free to use, display, perform, distribute, copy, adapt, and promote, without compensation to you, the Feedback for any purpose whatsoever.
- Verification Information. We may collect information to verify and confirm your identity. This information may include your name, address, date of birth and any other information required by us to complete the verification process.
- Surveys and Promotions. We may request information from you via surveys or promotions. Participation in these surveys or promotions, which might include contests or sweepstakes, is voluntary. Examples of requested information may include contact and demographic information.
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 our Sites.
- Usage Information. We collect information about your usage of, and interaction with the Sites. For example, we may track the number of people who view each page and all of the areas within our Sites you visit. We may also collect and store statistics and other information about the online activities of our users on an aggregated.
- Location Information. With your permission, we may also collect information about the precise location of your device using methods that may include GPS, wireless networks, cell towers, and Wi-Fi access points. For more information about how you can control the collection of location information and/or our access to other applications on your device, please see “Your Choices” below.
- Log Information. When you access or use the Sites, our servers automatically record certain log file information, such as your Internet Protocol (“IP”) address, operating system, browser type and language, referring URLs, access times, pages viewed, links clicked and other information about your activities on the Site.
- Information Collected by Cookies, Web Beacons and Embedded Scripts. We and our service providers use various tracking technologies, including cookies, web beacons and embedded scripts, to collect information about you when you interact with our Sites, including information about your browsing and purchasing behavior. Cookies are small data files stored on your hard drive or in device memory that help us improve the Sites and your experience, see which areas and features of the Sites are popular, and count visits. Most web browsers are set to accept cookies by default. If you prefer, you can usually choose to set your browser to remove or reject browser cookies. Please note that if you choose to remove or reject cookies, this could affect the availability and functionality of the Sites. 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 practices. We may use web beacons to bring together information we collect about you and to help us optimize and tailor our Sites for you and other future visitors to our Sites. An embedded script is programming code that is designed to collect information about your interactions with our Sites, 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 Sites, and is deactivated or deleted thereafter.
- To personalize the user content and experience.
- To provide, maintain and improve our Sites and provide you with relevant information and content.
- To facilitate and administer the provision of the products and services you purchase or request from us, including the verification of your identity, processing payment or to administer a survey, promotion, sweepstakes or contest you participate in.
- To contact you in connection with a particular activity, purchase, or product or service, in person or by recorded message, by e-mail, telephone and/or mobile telephone number, text (SMS) message, or any other means of available communication.
- To notify you in connection with a survey, promotion, sweepstakes or contest.
- To provide you with information and offers on our products and services, that we believe may be of interest to you.
- To send you technical notices, updates, security alerts and support and administrative messages.
- To respond to your comments, questions and requests and provide customer service.
- To monitor and analyze trends, usage and activities in connection with our Sites.
- To detect, investigate and prevent fraudulent transactions and other illegal activities.
- To protect our rights and property and the rights and properties of others.
- To maintain appropriate records for internal administrative purposes.
- To perform operational functions in connection with our business, including data analysis, audits, developing and improving products and services, enhancing the Sites and identifying usage trends.
- To link or combine with information we get from others to help understand your needs and provide you with a better experience.
- To carry out any other purpose described to you at the time the information was collected.
- To comply with legal and regulatory requirements (including fraud prevention and anti-money laundering), required disclosures and choices and controls that may be available.
- To comply 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.
- Electronic Promotional Messages. We may send you promotional emails regarding special offers about our or our affiliates’ 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 (please see “Your Choices” below). 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 use your name and mailing address which we obtain from you for us, our affiliates or third party marketing partners to provide marketing offers to you through direct mail. If you prefer not to have your name and mailing address shared with a third party in connection with direct mail promotional messages please see “Your Choices” 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.
- With vendors, consultants or service providers to help us operate our business and the Sites and to administer activities on our behalf.
- With strategic partners who provide additional features on the Sites. These strategic relationships may include business partners, sponsors and co-branded Site features. The use of your information by these third parties is subject to their own privacy practices and you should check their website for information regarding their privacy policies.
- By participating in any survey, promotion, sweepstakes or contest, you agree to the official rules that govern that survey, promotion, sweepstakes or contest, including disclosure of your information to third parties or the public in connection with the administration of such survey, promotion, sweepstakes or contest, or as required by law.
- In response to a request for information if we believe disclosure is in accordance with, or required by, any applicable law, rule, regulation or legal process.
- As determined necessary to protect the physical safety of any person or property or as otherwise appropriate when we believe your conduct on the Sites is inappropriate, is detrimental to us, or is inconsistent with generally accepted norms of behavior.
- 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.
- In connection with a commercial transaction where we or any one of our businesses are seeking financing, investment, support or funding.
- To enforce any agreement we may have with you.
- Between and among us and any current or future parent, subsidiary and/or affiliated company.
- With your consent or at your direction.
If you are a California resident, California law may provide you with additional rights regarding our use of your personal information; subject to exclusions from the rights granted under California law with respect to certain information governed by certain sector-specific privacy laws.
California Resident RightsSubject to certain exceptions under California law, California residents may have the following rights with respect to their personal information collected by Travelex Insurance:
- The right to know and access. California residents have the right to request we disclose (i) a copy of the personal information that we collect about you; (ii) the categories of personal information that we collected about you in the preceding 12 months; (iii) the categories of purposes for which such personal information was disclosed in the preceding 12 months; (iv) the categories of sources such personal information was collected for; and (v) the categories of third parties such personal information may have been shared with.
- The right to deletion. California residents have the right to request that we delete the personal information that we or our vendors collected about you. There may be circumstances under which we will be unable to delete your personal information, such as if we need to comply with our legal obligations or complete a transaction for which your personal information was collected. If we are unable to comply with your request for deletion, we will let you know the reason why.
- The right to equal service. If a California resident chooses to exercise any of these rights, we will not discriminate against the California resident in anyway. However, if a California resident exercises certain rights, such California resident may be unable to use or access certain features of the Sites.
- Various identifiers, including, name, address, online identifier, Internet Protocol (IP) address, email address, account name, or other similar identifiers.
- Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)), including, telephone number or financial information.
- Commercial information, including, records of products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.
- Biometric information, including, behavioural characteristics, or activity patterns used to extract a template or other identifier or identifying information.
- Internet or other similar network activity, including, browsing history, search history, information on a consumer's interaction with a website, application, or advertisement, including internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, the files viewed on our Site (e.g., HTML pages, graphics, etc.), operating system, date/time stamp, and/or clickstream data in order to analyze trends in the aggregate and administer our Site.
- Geolocation data, including, physical location or movements.
- Sensory data, including, audio, electronic, visual, or similar information.
- Professional or employment-related information, including, current or past job history or performance evaluations.
- Educational information, including, transcript, student records, grades and performance, activities, school name or school ID.
- Inferences drawn from other personal information, including, profile reflecting a person's preferences, characteristics, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.
- Protected classification characteristics, including, race, color, national origin, marital status, sex, veteran or military status.
- Personal records, such as, power of attorney, family history or power of attorney.
- Information received from a government entity or other third party.
California’s "Shine the Light" law, Civil Code section 1798.83, requires certain businesses to respond to requests from California consumers asking about the business' practices related to disclosing personal information to third parties for the third parties’ direct marketing purposes. To make such a request, please send an email to firstname.lastname@example.org.
How We Respond to “Do Not Track” SignalsOur Sites do not respond to DO NOT Track signals. Third parties cannot collect any other personally identifiable information from our Sites unless you provide it to them directly.
- Location Information. With your consent, we may collect information about your actual location when you use our mobile applications and when you request or purchase products or services. You may stop the collection of this information at any time by changing the settings on your mobile device, but note that some features of our mobile applications may no longer function if you do so.
- Native Applications on Mobile Device. Some features of our mobile applications may require access to certain native applications on your mobile device, such as the camera, photo album and the address book applications. If you decide to use these features, we will ask you for your consent prior to accessing the applications and collecting associated information. Note that you can revoke your consent at any time by changing the settings on your device.
- Cookies. Most web browsers are set to accept cookies by default. If you prefer, you can usually choose to set your browser to remove or reject browser cookies. Please note that if you choose to remove or reject cookies, this could affect the availability and functionality of the Sites.
- Push Notifications. With your consent, we may send promotional and non-promotional push notifications or alerts to your mobile device. You can deactivate these messages at any time by changing the notification settings on your mobile device or within our mobile applications.
- Direct Mail Marketing. To request to opt out of receiving unsolicited commercial direct mail please contact email@example.com.
- Email Marketing. You can choose to opt out of receiving promotional emails from Travelex Insurance at any time. Emails will include an unsubscribe link that will remove you from future emails. You may also submit a request to firstname.lastname@example.org.
Travelex Insurance Services, Inc
9140 West Dodge Road, Suite 300
Omaha, NE 68114