Intact Insurance Specialty Solutions

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Privacy Notice and Policy for California Residents

Effective: January 1, 2025

Intact Insurance Specialty Solutions (“Intact,” “we,” “us,” “our”) adopts this Privacy Notice and Policy (herein “Privacy Notice”) to comply with the California Consumer Privacy Act of 2018 (CCPA), as amended by the California Privacy Rights Act of 2020 (CPRA) (herein collectively “CCPA”). Any terms defined in the CCPA have the same meaning when used in this Privacy Notice. This Privacy Notice applies solely to individuals who reside in the State of California ("consumers" or "you") to the extent that the CCPA applies to their information, and supplements the information contained in our Website Privacy Policy. Such policy applies to information we collect online through our websites, and to information we collect offline, including information submitted by telephone and information sent by regular mail or electronic mail.

Information We Collect

We collect information that identifies, relates to, describes is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or household ("personal information"). In particular, we have collected the following categories of personal information from our consumers within the last twelve (12) months:

Identifiers

Examples

A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security number, driver's license number, passport number, or other similar identifiers.

Sources of Personal Information

We collect this information directly from you, indirectly from you, from third parties that interact with us in connection with the services we provide, and through tracking technologies when you access our website.

Business or Commercial Purpose(s) for Which Used

To fulfill or meet the reason you provided the information.
To provide you with information, products or services that you request from us.
To provide, support, personalize and develop our websites, products and services.
To create, maintain, customize and secure your account with us.
To process your requests, purchases, transactions and payments, and to prevent fraud.
To provide you with support and to respond to your inquiries, including to investigate and address your concerns and to improve our responses.
To provide you with alerts or other notices via electronic mail and/or text messages concerning our products, services, events or news that may be of interest to you.
To help maintain the safety, security, and integrity of our websites, products and services, databases and other technology assets, and business.
For testing, research, analysis and product development, including to develop and improve our websites, products and services.
To respond to law enforcement requests and as required by applicable law, court order, or local, state, or federal government regulations.
As necessary or appropriate to protect the rights, property, or safety of us, our clients, or others.
As described to you when collecting your personal information or as otherwise set forth in the CCPA.
To evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by us is among the assets transferred.
To process your registration with any of our services, including verifying that your information is active and valid.
For internal business purposes.
To contact you with regard to your use of any of our services and, in our discretion, changes to any of our services or any of our policies.

Third Parties To Whom Information is Disclosed, If Any

Service Providers.
Data Aggregators.
When you interact with third-party content on our website.
To our affiliates or pursuant to a business transfer.
Government agencies or to protect the rights of our company or others.
Insurance brokers and agents.

Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)).

Examples

A name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number, driver's license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information.

Sources of Personal Information

We collect this information directly from you, indirectly from you, and from third parties that interact with us in connection with the services we provide.

Business or Commercial Purpose(s) for Which Used

To fulfill or meet the reason you provided the information.
To provide you with information, products or services that you request from us.
To provide, support, personalize and develop our websites, products and services.
To create, maintain, customize and secure your account with us.
To process your requests, purchases, transactions and payments, and to prevent fraud.
To provide you with support and to respond to your inquiries, including to investigate and address your concerns and to improve our responses.
To provide you with alerts or other notices via electronic mail and/or text messages concerning our products, services, events or news that may be of interest to you.
To help maintain the safety, security, and integrity of our websites, products and services, databases and other technology assets, and business.
For testing, research, analysis and product development, including to develop and improve our websites, products and services.
To respond to law enforcement requests and as required by applicable law, court order, or local, state, or federal government regulations.
As necessary or appropriate to protect the rights, property, or safety of us, our clients, or others.
As described to you when collecting your personal information or as otherwise set forth in the CCPA.
To evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by us is among the assets transferred.
To process your registration with any of our services, including verifying that your information is active and valid.
For internal business purposes.
To contact you with regard to your use of any of our services and, in our discretion, changes to any of our services or any of our policies.

Third Parties To Whom Information is Disclosed, If Any

Service Providers.
Data Aggregators.
When you interact with third-party content on our website.
To our affiliates or pursuant to a business transfer.
Government agencies or to protect the rights of our company or others.
Insurance brokers and agents.

Protected classification characteristics under California or federal law.

Examples

Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information).

Sources of Personal Information

We collect this information directly from you, indirectly from you, and from third parties that interact with us in connection with the services we provide.

Business or Commercial Purpose(s) for Which Used

To fulfill or meet the reason you provided the information.
To provide you with information, products, or services that you request from us.
To process your requests, purchases, transactions and payments, and to prevent fraud.
To provide you with support and to respond to your inquiries, including to investigate and address your concerns and to improve our responses.
To help maintain the safety, security, and integrity of our websites, products and services, databases and other technology assets, and business.
For testing, research, analysis and service development, including to develop and improve our websites, products, and services.
To respond to law enforcement requests and as required by applicable law, court order, or local, state, or federal government regulations.
As necessary or appropriate to protect the rights, property, or safety of us, our clients, or others.
As described to you when collecting your personal information or as otherwise set forth in the CCPA.
To evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by us is among the assets transferred.
For internal business purposes.

Third Parties To Whom Information is Disclosed, If Any

Service Providers
Data Aggregators
When you interact with third-party content on our website.
To our affiliates or pursuant to a business transfer.
Government agencies or to protect the rights of our company or others.
Insurance brokers and agents.

Commercial information.

Examples

Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.

Sources of Personal Information

We collect this information directly from you, indirectly from you, and from third parties that interact with us in connection with the services we provide.

Business or Commercial Purpose(s) for Which Used

To fulfill or meet the reason you provided the information.
To provide you with information, products, or services that you request from us.
To provide, support, personalize and develop our websites, products, and services.
To create, maintain, customize and secure your account with us.
To process your requests, purchases, transactions and payments, and to prevent fraud.
To provide you with support and to respond to your inquiries, including to investigate and address your concerns and to improve our responses.
To provide you with alerts or other notices via electronic mail and/or text messages concerning our services, events or news that may be of interest to you.
To help maintain the safety, security, and integrity of our website, products and services, databases and other technology assets, and business.
For testing, research, analysis and service development, including to develop and improve our websites, products, and services.
To respond to law enforcement requests and as required by applicable law, court order, or local, state, or federal government regulations.
As necessary or appropriate to protect the rights, property, or safety of us, our clients, or others.
As described to you when collecting your personal information or as otherwise set forth in the CCPA.
To evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by us is among the assets transferred.
To process your registration with any of our services, including verifying that your information is active and valid.
For internal business purposes.

Third Parties To Whom Information is Disclosed, If Any

Service Providers.
Data Aggregators.
When you interact with third-party content on our website.
To our affiliates or pursuant to a business transfer.
Government agencies or to protect the rights of our company or others.
Insurance brokers and agents.

Biometric information.

Examples

Genetic, physiological, behavioral, and biological characteristics, or activity patterns used to extract a template or other identifier or identifying information, such as, fingerprints, faceprints, and voiceprints, iris or retina scans, keystroke, gait, or other physical patterns, and sleep, health, or exercise data.

Sources of Personal Information

We collect this information directly from you, indirectly from you, and from third parties that interact with us in connection with the services we provide.

Business or Commercial Purpose(s) for Which Used

To fulfill or meet the reason you provided the information.
To provide you with information, products or services that you request from us.
To provide, support, personalize and develop our websites, products and services.
To process your requests, purchases, transactions and payments, and to prevent fraud.
To provide you with support and to respond to your inquiries, including to investigate and address your concerns and to improve our responses.
For testing, research, analysis and product development, including to develop and improve our websites, products and services.
To respond to law enforcement requests and as required by applicable law, court order, or local, state, or federal government regulations.
As necessary or appropriate to protect the rights, property, or safety of us, our clients, or others.
As described to you when collecting your personal information or as otherwise set forth in the CCPA.
To evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by us is among the assets transferred.
For internal business purposes.

Third Parties To Whom Information is Disclosed, If Any

Service Providers
Data Aggregators
When you interact with third-party content on our website.
To our affiliates or pursuant to a business transfer.
Government agencies or to protect the rights of our company or others.
Insurance brokers and agents.

Internet or other similar network activity.

Examples

Browsing history, search history or information on a consumer's interaction with a website, application, or advertisement.

Sources of Personal Information

We collect this information directly from you, and indirectly from you when you use our website.

Business or Commercial Purpose(s) for Which Used

To provide, support, personalize and develop our websites, products and services.

To help maintain the safety, security, and integrity of our websites, products and services, databases and other technology assets, and business.

Third Parties To Whom Information is Disclosed, If Any

None.

Sensory data.

Examples

Audio, electronic, visual, thermal, olfactory, or similar information.

Sources of Personal Information

We collect this information directly from you, indirectly from you, and from third parties that interact with us in connection with the services we provide.

Business or Commercial Purpose(s) for Which Used

To fulfill or meet the reason you provided the information.
To provide you with information, products or services that you request from us.
To provide, support, personalize and develop our websites, products and services.
To create, maintain, customize and secure your account with us.
To process your requests, purchases, transactions and payments, and to prevent fraud.
To provide you with support and to respond to your inquiries, including to investigate and address your concerns and to improve our responses.
To provide you with alerts or other notices via electronic mail and/or text messages concerning our products, services, events or news that may be of interest to you.
To help maintain the safety, security, and integrity of our websites, products and services, databases and other technology assets, and business.
For testing, research, analysis and product development, including to develop and improve our websites, products and services.
To respond to law enforcement requests and as required by applicable law, court order, or local, state, or federal government regulations.
As necessary or appropriate to protect the rights, property, or safety of us, our clients, or others.
As described to you when collecting your personal information or as otherwise set forth in the CCPA.
To evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by us is among the assets transferred.
To process your registration with any of our services, including verifying that your information is active and valid.
For internal business purposes.
To contact you with regard to your use of any of our services and, in our discretion, changes to any of our services or any of our policies.

Third Parties To Whom Information is Disclosed, If Any

Service Providers.
Data Aggregators.
When you interact with third-party content on our website.
To our affiliates or pursuant to a business transfer.
Government agencies or to protect the rights of our company or others.
Insurance brokers and agents.

Professional or employment-related information.

Examples

Current or past job history or performance evaluations.

Sources of Personal Information

We collect this information directly from you, indirectly from you, and from third parties that interact with us in connection with the services we provide.

Business or Commercial Purpose(s) for Which Used

To fulfill or meet the reason you provided the information.
To provide you with information, products or services that you request from us.
To provide, support, personalize and develop our websites, products and services.
To create, maintain, customize and secure your account with us.
To process your requests, purchases, transactions and payments, and to prevent fraud.
To provide you with support and to respond to your inquiries, including to investigate and address your concerns and to improve our responses.
To provide you with alerts or other notices via electronic mail and/or text messages concerning our products, services, events or news that may be of interest to you.
To help maintain the safety, security, and integrity of our websites, products and services, databases and other technology assets, and business.
For testing, research, analysis and product development, including to develop and improve our websites, products and services.
To respond to law enforcement requests and as required by applicable law, court order, or local, state, or federal government regulations.
As necessary or appropriate to protect the rights, property, or safety of us, our clients, or others.
As described to you when collecting your personal information or as otherwise set forth in the CCPA.
To evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by us is among the assets transferred.
To process your registration with any of our services, including verifying that your information is active and valid.
For internal business purposes.
To contact you with regard to your use of any of our services and, in our discretion, changes to any of our services or any of our policies.

Third Parties To Whom Information is Disclosed, If Any

Service Providers.
Data Aggregators.
When you interact with third-party content on our website.
To our affiliates or pursuant to a business transfer.
Government agencies or to protect the rights of our company or others.
Insurance brokers and agents.

Retention

We retain your personal information for as long as is reasonable or necessary to fulfill the purposes for which the data was collected, to meet our business requirements, and to comply with applicable laws and regulations.

Sales of Personal Information

We do not sell the personal information we collect.

Your Rights and Choices

The CCPA provides consumers (California residents) with specific rights regarding their personal information. This section describes your CCPA rights and explains how to exercise those rights via a request to Intact (a “consumer request”).

Access to Specific Information and Data Portability Rights

You have the right to request that Intact disclose certain information to you about our collection and use of your personal information over the past 12 months. Once we receive and confirm your verifiable consumer request (see Exercising Access, Data Portability, and Deletion Rights), we will disclose to you the specific pieces of personal information we collect, use, or disclose about you.

Correction Request Rights

You have the right to request that Intact correct any inaccurate personal information that we collected from or about you and retained. Once we receive and confirm your verifiable consumer request (see Exercising Access, Data Portability, Correction and Deletion Rights), we will correct (and direct our service providersand contractors that maintain the personal information at issue pursuant to their written contract with us to correct) your personal information from our records, unless an exception applies.

Deletion Request Rights

You have the right to request that Intact delete any of your personal information that we collected from or about you and retained, subject to certain exceptions. Once we receive and confirm your verifiable consumer request (see Exercising Access, Data Portability, Correcion and Deletion Rights), we will delete (and direct our service providers and contractors that collected your personal information pursuant to their written contract with us to delete) your personal information from our records, unless an exception applies.

Exercising Access, Data Portability, Correction and Deletion Rights

To exercise the access, data portability, correction and deletion rights described above, please submit a verifiable consumer request to us by either:

Calling us toll-free at 1-877-624-7775
Visiting intactspecialty.com

Only you, or someone legally authorized to act on your behalf, may make a verifiable consumer request related to your personal information. You may also make a verifiable consumer request on behalf of your minor child.

You may only make a verifiable consumer request for access or data portability twice within a 12-month period.

Verifiable consumer request must:

Provide sufficient information that allows us to reasonably verify you are the person about whom we collected personal information or an authorized representative.
Describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it.

We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm that the personal information relates to you.

Making a verifiable consumer request does not require you to create an account with us.

We will only use personal information provided in a verifiable consumer request to verify the requestor's identity or authority to make the request. We require a consumer making a verifiable consumer request to provide information about themselves that will allow us to authenticate them. For example, if you are an Intact claimant, we would require you to provide your name and either a claim number or the last four digits of your social security number.

Using an Authorized Agent

You may use an authorized agent to submit a request for access or data portability, request to correct or request to delete. To use an authorized agent, you will need to (i) provide written instruction to your agent, and verify your identity to us, or (ii) provide a power of attorney pursuant to California Probate Code Sections 4000 to 4465.

Non-Discrimination

We will not discriminate against you for exercising any of your CCPA rights. Unless permitted by the CCPA, we will not:

Deny you goods or services.
Charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties.
Provide you a different level or quality of goods or services.
Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.

Changes to Our Privacy Notice

Intact reserves the right to amend this Privacy Notice at our discretion and at any time. When we make changes to this Privacy Notice, we will post the updated notice on our website and update the notice's effective date. Your continued use of our website or services following the posting of changes constitutes your acceptance of such changes.

Contact Information

If you have any questions or comments about this privacy notice, the ways in which Intact collects and uses your personal information described above and in the Website Privacy Policy or your choices and rights regarding such use, or if you wish to exercise your rights under California law, please do not hesitate to contact us at:

Phone (toll-free): 1-877-624-7775
Website: California Consumer Privacy Inquiries
Email: privacycoordinator@intactinsurance.com

Postal Address:

Intact Insurance Specialty Solutions
Attn: General Counsel
605 Highway 169 North
Plymouth, MN 55416

Intact Insurance Specialty Solutions is the marketing brand for the insurance company subsidiaries of Intact Insurance Group USA LLC. Coverages may be underwritten by one of the following insurance companies: Atlantic Specialty Insurance Company, a New York insurer; Homeland Insurance Company of New York, a New York insurer; Homeland Insurance Company of Delaware, a Delaware insurer; OBI America Insurance Company, a Pennsylvania insurer; OBI National Insurance Company, a Pennsylvania insurer; or The Guarantee Company of North America USA, a Michigan insurer. Each of these insurers maintains its principal place of business at 605 Highway 169 N, Plymouth, MN 55441, except The Guarantee Company of North America USA, which is located at One Towne Square, Southfield, MI 48076. This material is intended as a general description of certain types of insurance coverages and services. Coverages and availability vary by state; exclusions and deductibles may apply. Please refer to your insurance policy or consult with your independent insurance advisor for information about coverages, terms and conditions. Some coverage may be written by a surplus lines insurer through a licensed surplus lines broker. Surplus lines insurers do not generally participate in state guaranty funds and insureds are therefore not protected by such funds.