https://www.aiglife.co.uk/microsite/privacy-policy/how-do-we-use-personal-information Individual Protection from AIG
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How do we use Personal Information?

Summary: We use Personal Information for different purposes depending on our relationship with you. 

The main purposes are to:

  • provide insurance and other services and make related assessments and decisions (automated and non-automated)
  • manage claims
  • communicate with you
  • obtain feedback and manage complaints
  • detect, investigate and prevent crime
  • manage, develop and improve our business, products and services (including using data analysis)
  • advertise and market our services.

In detail: We use Personal Information to carry out our business activities.  The purposes for which we use your Personal Information will differ based on our relationship, including the type of communications between us and the services we provide. Personal Information will be used for different purposes if you are a policyholder, insured or claimant under an insurance policy, a broker, an agent, a financial adviser, a witness or another individual with whom we have a relationship.

The main purposes for which we use Personal Information are to: 

  1. Communicate with you and other individuals.
  2. Make assessments and decisions (automated and non-automated, including by profiling individuals) about: (i) the provision and terms of insurance and (ii) settlement of claims and provision of assistance and other services.
  3. Provide insurance, claims and assistance services, and other products and services which we offer, including claim assessment, administration, settlement and dispute resolution.
  4. Process payments relating to your premium and other payments.
  5. Improve the quality of our products and services, provide staff training and maintain information security (for example, for this purpose we may record or monitor phone calls).
  6. Detect, investigate and prevent crime, including fraud and money laundering, and analyse and manage other commercial risks.
  7. Carry out research and data analysis, including analysis of our customer base and other individuals whose Personal Information we collect, complete market research, including customer satisfaction surveys, and assess the risks faced by our business, in accordance with applicable law (including obtaining consent where required).
  8. Provide marketing information in accordance with preferences you have told us about (marketing information may be about products and services offered by our third party partners subject to your expressed preferences). We may carry out marketing activities in accordance with your preferences by using email, SMS and other text messaging, post or telephone.
  9. Allow you to participate in competitions, prize draws and similar promotions, and to administer these activities. These activities have additional terms and conditions, which will contain more information about how we use and disclose your Personal Information where this is useful to provide you with a full picture of how we collect and use Personal Information, so we recommend that you review those too.
  10. Personalise your experience when you use AIG Digital Services, which may involve us collecting information about your computer and interactions to provide a more tailored and personalised experience to you. We may use this information to improve the content of our website and make it more useful and relevant to you.
  11. Manage our business operations and IT infrastructure, in line with our internal policies and procedures, including those relating to finance and accounting; billing and collections; IT systems operation; data and website hosting; data analytics; business continuity; records management; document and print management; and auditing.
  12. Manage complaints, feedback and queries, and handle requests for data access or correction, or the exercise of other rights relating to Personal Information.
  13. Comply with applicable laws and regulatory obligations (including laws and regulations outside your country of residence), for example, laws and regulations relating to anti-money laundering, sanctions and anti-terrorism; comply with legal process and court orders; and respond to requests from public and government authorities (including those outside your country of residence).
  14. Establish, enforce and defend legal rights to protect our business operations, and those of our group companies or business partners, and secure our rights, privacy, safety or property, and that of our group companies or business partners, you, or other individuals or third parties; to enforce our terms and conditions; and pursue available remedies and limit our damages.  

The table below is a summary of the types of Personal Information used where necessary in connection with each main purpose described above. Personal Information will only be processed for these purposes where permitted under applicable law.

TYPE
PURPOSES OF USE OF PERSONAL INFORMATION
A.
Communicate
B.
Make
assessments and decisions (automated and non-automated, including profiling of individuals)
C.
Provide insurance, claims and assistance services, and other products and services
D.
 Process Payments
E.
Improve quality of our products and services, provide staff training and maintain information security
F.
Prevent, detect and investigate crime
G.
Carry out research and data analysis
H.
Provide marketing information
I.
Allow participation in competitions, prize draws and similar promotions
J.
Personalise experience
K.
Manage business operations and IT infrastructure
L.
Manage complaints, feedback and queries
M.
Comply with applicable laws
and regulatory obligations
 
N.
Establish and defend legal rights
 
1.
Contact information
YES
YES
YES
YES
YES
YES
YES
YES
YES
YES
YES
YES
YES
YES
2.
General Information
 
YES
YES
YES
YES
YES
YES
YES
YES
YES
YES
YES
YES
YES
YES
3.
Education and employment information
 
YES
YES
YES
YES
YES
YES
YES
YES
YES
YES
YES
YES
YES
4.
Insurance and claim information
 
YES
YES
YES
YES
YES
YES
YES
YES
YES
YES
YES
YES
YES
5.
Government and other official identification numbers
 
 
YES
YES
 
YES
 
 
 
 
YES
YES
YES
YES
6.
Financial information and account details
 
YES
YES
YES
YES
YES
YES
YES
 
 
YES
YES
YES
YES
7.
Medical condition and health status
 
 
YES
YES
YES
 
YES
YES
 
 
 
YES
YES
YES
YES
8.
Other sensitive information
 
YES
YES
YES
 
YES
YES
 
 
 
YES
YES
YES
YES
9.
Telephone Recordings
YES
YES
YES
 
YES
YES
YES
 
 
 
YES
YES
YES
YES
10. Photographs and video recordings
 
YES
YES
 
YES
YES
YES
 
 
 
YES
YES
YES
YES
11. Information to detect, investigate or prevent crime, including fraud and money laundering
 
YES
YES
YES
YES
YES
YES
 
 
 
YES
YES
YES
YES
12.
Information enabling us to provide products and services
 
YES
YES
YES
YES
YES
YES
YES
YES
YES
YES
YES
YES
YES
13.
Marketing preferences, marketing activities and customer feedback
YES
YES
YES
 
YES
YES
YES
YES
YES
YES
YES
YES
YES
YES
14.
Online activity information
YES
YES
YES
 
YES
YES
YES
YES
YES
YES
YES
YES
YES
YES
15.
Supplemental information from other sources
YES
YES
YES
YES
YES
YES
YES
YES
YES
YES
YES
YES
YES
YES