Financial Services

Assurant Customer Portal Privacy Notice


Caribbean American Property Insurance Company, with offices at Torre Chardón, 350 Avenida Carlos Chardón, Suite 1101, San Juan, PR 00918, is the controller of your personal information and operates this website (claimspr.assurant.com). This website claimspr.assurant.com is for use by Our customers for purposes of submitting claims for an insurance product which you have obtained from Us (hereinafter the “Service”). Caribbean American Property Insurance Company, an Assurant group company, (hereinafter, “We”, “Us”, “Our” or “Company”), respects your concerns about privacy. This Privacy Notice (“Notice”) describes how We will collect, access, use, disclose, retain, transfer, otherwise process and protect personal information when you use the Service.

We protect your personal information using industry standard safeguards. We may share information about you, where it is necessary to carry out the Service or as required by law, and We will always let you know when We make significant changes to this Notice.

We adhere to the following principles to protect your privacy:

We protect your personal information and will only provide it to third parties:

  1. as reasonably necessary in order to provide the Service;
  2. to Our service providers (as described in Section 3.2 ) in connection with providing the Service;
  3. when We reasonably believe it is required by law or by order of a court of competent jurisdiction;
  4. as necessary to enforce our Terms of Use, to protect the rights of the Company, or to prevent physical harm or financial loss; or
  5. as part of a reorganization or sale of all or part of Our business.

This Notice applies to the Service only and does not necessarily reflect practices with respect to information gathered through other services We offer or websites We operate or the collection of information through off-line means. To review the privacy practices of those other services, please refer to the policies provided associated with each.

If you have any concern about providing information to Us or your information being used in any manner permitted by this Notice and the Terms of Use , you should not use this Website or Service.


1. What information We collect


We collect your personal information in the following ways:


1.1 When you use our Website

When using the Service, We ask users to provide Us with their: (i) name (ii) email address, (iii) postal address, (iv) phone number, (v) date of birth, and (vi) credit card number, loan number, or certificate number depending on type of claim selected.


2. How We use and disclose collected information


2.1 Consent to Processing Information about You

By accessing or using the claimspr.assurant.com website you indicated that you have read this Notice and expressly and voluntarily accept the terms of Our Terms of Use and freely consent, on your own behalf to use the Service and to Our processing of personal information as set forth in this Notice. If you do not consent to the terms of this Notice, please do not access or use the Service.


2.2 General

We do not sell or rent any of your personal information.

The personal information We collect is used to provide the Service, to develop new products and services, and for other purposes to which you consented. Examples of the above uses include:

  • provide products and services, including this Service, which you have obtained from Us to you;
  • process your claims in relation to the product(s) and services which you have obtained from Us;
  • enhance our products and the services we provide to you;
  • communicate with you (e.g., in response to your questions or comments);
  • comply with legal and regulatory requirements;

If you do not provide your information to us, then Our ability to provide the products, services and this Service to you may be adversely impacted.


3. How We share your personal information


3.1 Sharing information with affiliates

We may share your information among the Assurant group companies.

We collect or hold your personal information and share your personal information with other Assurant group companies for purposes stated in this Notice.


3.2 Sharing personal information with service providers

We employ third party companies and individuals to facilitate the Service (for example, payment processing, customer support, analysis, audit, application, database hosting).

These third parties have limited access to your information only to perform these tasks on Our behalf and are obligated to Us. The personnel of such third parties who use your personal information is limited to those individuals which are authorized to do so on a need-to-know basis and as necessary to provide these business services to Us. We do not authorize such third parties to disclose or use it for other purposes.


3.3 Sharing personal information with other recipients

We may disclose your personal information to public authorities if mandated by law or to comply with applicable laws or regulation.

We may also disclose your personal information to parties acquiring part or all of Our assets, as well as to attorneys and consultants. Also, if any bankruptcy or reorganization proceeding is brought by or against Us, your information may be considered a company asset that may be sold or transferred to third parties.


4. Your Choices


4.1 Modifications and Corrections

If you think that any personal information, We have collected about you is inaccurate, You can submit requests with respect to modify or correct your personal information held by Us, by contacting Us at: 1-800-981-8888. You may also send a written request to Us at the address provided in the “Contact Us” section of this Notice.

In order to safeguard your personal information from unauthorized access, We may ask that you provide sufficient information to identify yourself prior to modifying or correcting your personal information.


5. Important Information


5.1 Data Retention

We retain personal information you provide as needed to provide the Service. Our customer support may retain information for as long as is necessary to provide support-related reporting and trend analysis only, but We generally delete or anonymize data consistent with this Notice.

We may retain your personal information for longer than the periods set out above where necessary, for example to comply with Our legal obligations, meet regulatory requirements, resolve disputes, prevent fraud and abuse, or enforce Our Terms of Use.


5.2 Changes to this Privacy Notice

We may update this Privacy Notice from time to time. If We make any material changes to this Notice, it will be posted on this website so that you may review the changes before you continue to use the website. As We may make changes to this Notice, We suggest that you review it each time you access and use the Website or Service. Please review changes carefully. If any changes are made to this Notice, We will revise the Effective Date that is indicated at the bottom of it.


5.3 Security Procedures

We have measures in place to restrict access to information to those employees and individuals whom We know have a valid business purpose to have access to such data. We maintain physical, electronic and procedural safeguards. We follow generally accepted standards designed to protect the personal information submitted to Us, both during transmission and once We receive it. We require those who provide services for Us and to whom We provide information collected through the Service to keep such information safeguarded and confidential. However, no method of transmission over the Internet or method of electronic storage is totally secure. Therefore, We cannot guarantee its absolute security.


5.4 Cookies and Web Browsing Information.

We may collect information from your devices and about your web browsing when you visit our Site. We may collect information such as:

  • Your IP address
  • The type of browser, devices and operating systems you use
  • Identifiers associated with the device(s) you use to access our Site
  • The pages you visit and the features you use, including dates and times
  • If you navigated from or navigate to another website, the address of that website
  • Information regarding your internet service provider

5.6 Google® Analytics and Web Beacons.

Our websites may use Google Analytics, a web analysis service provided by Google, in order to better understand your use of our Site and how we can improve them. Google Analytics collects information such as how often users visit a website, what pages you visit when you do so, and what other websites you used prior to coming to such website. Google Analytics collects only the IP address assigned to you on the date you visit a website, rather than your name or other identifying information. We do not combine the information collected through the use of Google Analytics with your information. Although Google Analytics plants a permanent cookie on your web browser to identify you as a unique user the next time you visit a website, the cookie cannot be used by anyone but Google. Google’s ability to use and share information collected by Google Analytics about your visits to the Site is restricted by the Google Analytics Terms of Use and the Google Privacy Policy. Google utilizes the data collected to track and examine the use of the Site, to prepare reports on its activities and share them with other Google services. Google may use the data collected on the Site to contextualize and personalize the ads of its own advertising network. To more fully understand how Google may use the data it collects on the Site, please review “How Google uses data when you use our partners' sites or apps,”( https://policies.google.com/technologies/partner-sites?hl=en-US).

Some of the areas of the Service may contain electronic images known as web beacons (sometimes known as clear gifs) that allow Assurant to count and track users who have visited certain portions of the Site


5.4 Contact Us

We welcome your questions or comments regarding this Notice. Please write to: Privacy, Caribbean American Property Insurance Company at 350 Ave. Carlos Chardón, Torre Chardón Suite 1101, San Juan, PR 00918. You may also write to the Assurant Privacy Office, 260 Interstate North Circle SE, Atlanta, Georgia 30339, USA or send Us an email at ThePrivacyOffice@assurant.com.

Effective date: July 7th, 2022

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