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Privacy

CALIFORNIA CONSUMER PRIVACY ACT POLICY

Notice about Collection and Processing of Personal Information of California Residents

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Revised: 02/26/2021

 

CNA and its affiliates (“CNA”, “we”, “our,” or “us”) value your privacy. This California Consumer Privacy Act Policy (“Policy”) applies to California residents (“Consumers”) Personal Information collected in connection with CNA’s US operations, except for Personal Information collected by or provided in connection with:

 

  • CNA National Warranty. For more information relating to CNA National Warranty’s privacy practices, click here.
  • CNA Surety. For more information relating to CNA Surety’s privacy practices, click here.
  • CNA Canada. For more information relating to CNA Canada’s privacy practices, click here.
  • CNA Hardy. For more information relating to CNA Hardy’s privacy practice, click here.

 

This Policy explains how CNA collects, uses, and shares Personal Information relating to Consumers for a business purpose, pursuant to the California Consumer Privacy Act of 2018 (“CCPA”).


Personal Information We Collect

“Personal Information" identifies you as an individual. It also includes information related to you. The specific Personal Information that CNA collects, uses, and shares relating to you will depend on CNA's relationship or interaction with you. CNA may collect Personal Information from you, your agents, employers, insureds, medical providers, legal counsel, other individuals or service providers as necessary for a business purpose. The information below sets out the categories of Personal Information CNA may have collected from or about you for a business purpose, in the past 12 months:

Government Issued Identifiers

Definition: Identification numbers provided by any government agency.

Examples: Social security number, driver’s license number, or state identification number.

 

Product or Service related Information

Definition: Details provided to support a claim or underwrite an insurance policy.

Examples: Demographics, receipts, proof of damage, loss history, or loss exposure.

 

Criminal History

Definition: Information related to criminal activity. 
Examples: Convictions or court judgements.

 

Internet Network Activity

Definition: Information related to interactions with our portals, websites, applications, or advertisements.

Examples: Browsing history, clickstream data, or search history. 

 

Audio and Visuals

Definition: Recordings of information by audio, video, or picture.

Examples: Voicemails, voice recordings, photographs, or videos.

Contact Information

Definition: Information used to contact an individual.
Examples: Name, postal address, email address, or telephone number.

 

Employment Information

Definition: Information about previous or current employment.
Examples: Employment history, qualifications, licensing, or disciplinary records.

 

Education History

Definition: Information maintained by an educational institution or party acting for or on behalf of the institution.
Examples: Education records or transcripts.

 

Financial Information

Definition: Information related to banking, monetary transactions, and credit.
Examples: Bank account number or credit history.

 

Medical and Health Information

Definition: Information that describes health, medical conditions, or health care.
Examples: Health records, diagnosis, prescriptions, physical or mental health.

Personal Information does not include information that has been made public from federal, state, or local governments.

 

 

USING PERSONAL INFORMATION

 

CNA collects Personal Information that may be necessary to:

 

  • Service your insurance needs,
  • Investigate and process claims,
  • Administer your account,
  • Prevent fraud,
  • For employment purposes, or
  • As otherwise required or permitted by federal or state law.

Sharing Personal Information

CNA may share your Personal Information to provide the services that you have requested from us. In order to provide your requested services, we may share your information with:

  • A third party in the event of any acquisition, reorganization, merger, sale, joint venture, assignment, transfer or other reassignment of all or part of CNA's business, assets, or stock. This includes disclosure in connection with any bankruptcy or similar proceedings.
  • Others, as CNA decides are necessary or appropriate:
    • under applicable law, including laws outside your country or territory of residence,
    • to comply with legal processes,
    • to respond to requests from public, governmental, and regulatory authorities, including such requests initiated outside of your country or territory of residence,
    • to enforce CNA's Terms and Use,
    • to protect CNA's operations,
    • to protect CNA's rights, privacy, safety, or property, and/or that of you or others,
    • to detect and prevent fraud, and
    • to allow CNA to pursue fixes or limit damages CNA may sustain.
  • Others, as otherwise allowed by law.

  • CNA’s affiliated companies.
  • Third parties that help manage, support, and market CNA's business and deliver CNA Services. Examples of these third parties may include:
    • agents or brokers,
    • claims management service providers,
    • job application service providers,
    • other insurance companies,
    • regulators,
    • administrators,
    • website hosting services,
    • data analysts,
    • payment processors,
    • services that support our computer systems,
    • email delivery services, and
    • external digital platforms to personalize your experience.
  • Insurance support groups and consumer reporting agencies.
  • Third parties to market their products and services to you if you have given CNA permission to share your information with them.

CCPA RIGHTS

CCPA provides certain rights to California Residents. These include the right to:

 

  • opt-out of selling your Personal Information,
  • know what information we collect, use or disclose about you, and
  • delete your Personal Information.

 

CNA may need to verify that a request to exercise your rights under CCPA is valid. In order to fulfill our obligation to you, or your authorized agent, we may ask you to:

 

  • provide additional information necessary to verify your identity to make your request,
  • provide proof that an agent is authorized to act on your behalf if an agent is making the request, and/or
  • complete a Personal Information Request Form prior to us taking any action with your Personal Information.

 

Once the request is verified, we will then attempt to provide a response to your request within 45 days from the time it was received. We will notify you if we need additional time to respond to your request (up to an additional 45 days).

 

 

RIGHT TO OPT-OUT OF THE SALE OF PERSONAL INFORMATION

You have the right to prohibit us from selling your Personal Information.  However, CNA does not sell your Personal Information.

 

 

RIGHT TO KNOW

You, or your authorized agent, have the right to know what Personal Information has been collected, disclosed, or used about you in the previous 12 months. This includes the right to know:

 

  • the categories of Personal Information collected about you,
  • the categories of sources from which the Personal Information was collected,
  • the purpose of collecting or selling the Personal Information,
  • the categories of third parties with whom CNA shares Personal Information,
  • the specific Personal Information CNA has collected about you, and
  • whether or not your Personal Information has been sold; however, CNA does not sell your Personal Information.

 

If you, or your authorized agent, want to exercise the right to know the Personal Information that CNA has collected about you, please contact CNA’s Privacy Office by:

 

Email: CNAPrivacyOffice@cna.com, or

Calling, toll free: 877-246-2902.

 

Once we receive your request, we will evaluate and process it, subject to exceptions as outlined by law.

 

 

RIGHT TO DELETE

You, or your authorized agent, have the right to request that CNA delete Personal Information that we have collected about you.

 

If you, or your authorized agent, want to exercise your right to request that CNA delete Personal Information that we has collected about you, please contact CNA’s Privacy Office by:

 

Email: CNAPrivacyOffice@cna.com, or

Calling, toll-free: 877-246-2902.

 

Once we receive your request, we will evaluate and process it subject to exceptions as outlined by law.

 

 

RIGHT TO NON-DISCRIMINATION

You have the right not to be discriminated against for exercising your rights under the CCPA.

 

 

CHANGES TO THIS POLICY

CNA reserves the right to change this Policy at any time. The "revised" legend at the top of this web page shows when the last revision was made. Any changes become active upon notice being provided. Notice of changes may be given by any reasonable means including by posting a notice on the CNA Website. Your use of CNA Services after changes to this Policy means that you accept the terms of the revised Policy.

 

 

CONTACT INFORMATION

If you have questions or want more information about this Policy, please contact CNA’s Privacy Office by: 

 

Email: CNAPrivacyOffice@cna.com, or

Calling, toll-free: 877-246-2902.

 

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