Privacy Policy

1. Introduction

Integro Insurance Brokers and its worldwide affiliates (collectively "Integro") recognize privacy as a fundamental human right in our society. While we specifically recognize the sensitive nature of privacy in the personal lines business we believe protecting the confidential nature of every client or prospect's personally identifiable information ("Personal Information") is one of our paramount responsibilities. Accordingly, and in order to comply with various privacy laws, Integro has developed this Privacy Policy to alert clients and prospects on how we may collect, use and disclose Personal Information, as well as certain other information and data we may collect from time to time.

For purposes of this Privacy Policy, Personal Information includes any factual or subjective information about an identifiable individual, such as name, age, gender, identification numbers, income, ethnic origin, evaluations, credit reports, and medical records. Personal Information does not include the name, title, business address or business telephone number of an employee of an organization, or any information that is defined as “User Information” hereunder and is subject to Section 3 of this Privacy Policy. 

2. Information We Collect About You Generally

Integro may collect a variety of types of information, including Personal Information, in the performance of risk management and insurance services, including but not limited to, information that clients provide on application forms, claims histories, driving records, police reports, employment information, medical and health information, financial information, and other underwriting information as requested by the insurance markets.

Integro may use any such information, including any Personal Information, for the purpose of providing risk management and insurance services to our clients, and for other lawful business purposes. The risk management services provided may include analyzing client risks, preparing submissions to the insurance markets, communicating with clients, processing transactions, including premium payments, assisting with legal and claims adjustments.

We will only use Personal Information in a commercially reasonable manner and as provided in this Privacy Policy. Without limiting the foregoing, Integro may disclose any information it collects hereunder, including Personal Information, to authorized employees of insurance markets and other vendors for the purpose of performing risk management and insurance services on behalf of our clients, or as otherwise permitted or required by applicable law. 

3. Information We Collect About You In Connection with Our Online Services

In addition, when you access and use certain online services provided by Integro, including but not limited to, our Website or the Integro Online Cargo Insurance Training Module (our “Online Services”), we may collect certain information about you in connection with such use (the “User Information”).  Examples of User Information may include, without limitation, your name, title or position, company name, email address, information about your insurance policy, and any other information you submit to us, or which we collect about you, in connection with your use of the Online Services. 

Notwithstanding any provision to the contrary herein, we may use the User Information for any lawful business purpose including, without limitation, to communicate with you, including by electronic means, about our business and services, to market to prospective or existing clients, to improve our products and services, to perform data analysis, or as otherwise permitted or required by applicable law. We may also share such User Information with third parties, including, but not limited to, our affiliates and service providers, for any of the foregoing purposes.

4. How We Collect Your Information 

Most information we collect comes directly from you—our clients and prospects. Other third-party sources may be government agencies, industry/trade associations, and insurance markets. We may also collect information from internet-based collection tools such as tracking software and cookies. Our website may contain links to third party sites which may not be governed by the same privacy policies as Integro. We cannot be responsible once you leave the Integro website. You should refer to the privacy policy of the linked websites you visit. 

5. Consent

Your knowledge and consent to our collection, use and disclosure of your information, including your Personal and User Information, is critical. Integro provides risk management and insurance services to corporate clients, institutional clients, and to individual or personal lines clients. Express consent of individual clients or corporate client employees is generally not feasible or necessary in most circumstances. Therefore, Integro will rely upon your voluntary disclosure of any information, including Personal and User Information, as consent for our collection, use and disclosure of such information as provided herein. For personal lines clients, appointment of Integro as the Broker of Record is your express agreement and consent for us to collect, use and disclose your Personal Information for the purpose of providing risk management and insurance services and as otherwise provided herein. Please note that withholding or withdrawing consent for us to collect, use and disclose any of your information may limit Integro’s ability to provide risk management and insurance services on your behalf.

By supplying the necessary information involving employees of commercial clients, the customer acknowledges that you are also in compliance with the Privacy Laws of your country and other applicable law. 

6. Security of Your Information 

Any information we retain is secured by three types of safeguards: (1) physical measures, such as locked offices and filing cabinets, (2) technological safeguards, such as passwords, encryption and firewalls, and (3) organizational controls such as limiting access to Personal Information on a 'need-to-know' basis, training and confidentiality agreements.

The specific types of safeguard utilized will depend upon the sensitivity, amount, extent of distribution, format of the information, and type of storage. 

7. Accuracy and Access to Your Information

Integro is committed to the accuracy of any information it collects, uses and discloses. As such, clients are requested to keep us informed about any changes to their Personal Information that may be material to the risk management and insurance services we provide.

Upon written request, and subject to certain legal restrictions, we will provide reasonable access to Personal Information and other available information to the individual to whom it refers. You have the right to request that we amend any inaccurate Personal Information. All such requests should be directed to Devin Taylor, our Deputy General Counsel (see contact information below). 

8. Further Information, Complaints or to Withdraw Consent

To gain access to your available information, for further information, to file a complaint about our handling of Personal or User Information, or to withdraw your consent for us to collect, use and disclose your Personal or User Information, please contact:

Devin Taylor, Deputy General Counsel
Integro Insurance Brokers
475 Park Avenue South, 17th Floor
New York, NY 10016
Tel: 212.295.8555
Fax: 212.295.8556
devin.taylor@integrogroup.com

While we make every effort to secure information within our control, no method of delivery is absolutely secure and any communication may be accidentally or deliberately intercepted by third parties.