Thank you for visiting our website, which is supported by Munich Re (“Company”, “we”, “us” or “our”). We take the privacy and the security of information for those who visit our website (“you”, “your”) very seriously.
What information do we collect and for what purposes?
When you access our website, personal information about you is collected and maintained in an accessible form, which includes automatically stored information (e.g. your browser type, device type, computer's IP address, date, time) on our server’s log files, backed up, and stored temporarily in accordance with our data recovery policies and for data security purposes (e.g. in order to identify and trace any persons gaining or attempting to gain unauthorized access to the web server). In addition to automatically stored information, we collect aggregate information and visit-specific information on what pages visitors access or visit as well as information volunteered by the visitor, such as survey information and/or site registrations, name and address, telephone number, e-mail address and fax number (collectively, “personal information”).
We do not collect or store your financial information.
How We Use Your Personal Information
We use your personal information to respond to and fulfill your requests for our products and services and to market our products and services, including:
• to provide you with VeroESG
• to correspond with you regarding information about our products or services that you have specifically requested
• to improve, enhance and maintain our website and customer service
• to comply with applicable laws
We keep your personal information in confidence when you access our website. If you send us an e-mail or complete and submit an online form on our website, your personal data (including your name and e-mail address) will be used only for our correspondence with you in order to send you the requested documents. information, access to VeroESG or for any other purpose stipulated on the individual form. We also may anonymize, combine or aggregate any of the information we collect for any of the abovementioned purposes or for analyzing usage statistics and trends.
The Information We Share and Who We Share It With
We do not rent or sell email address lists. We may disclose the information we collect from you to vendors, service providers, contractors, agents or other third parties who perform functions on our behalf, including to deploy and analyze surveys and advertising content. We do this in hopes that we can continually improve our service to you as well as market and advertise our services.
In some instances, we share your company name (but not your name or personal contact information) with third parties, including agents and contractors, who assist in providing support for our internal operations.
The information we collect may be disclosed when legally required to do so, at the request of governmental authorities or regulatory agencies conducting an investigation, to verify or enforce compliance with the policies governing our website and applicable laws, or to protect against misuse or unauthorized use of our website and shared with associates in response to specific inquiries.
How You Can Control E-mail Communications You Receive from Us
You have the opportunity to choose to receive e-mail communications that may be of interest to you, such as our newsletters and/or notices when certain content, such as publications and reports, are added to our website. If you choose to receive such communications, you have the opportunity to un-subscribe to those communications at any time. To un-subscribe, simply click the unsubscribe link in any of the email communications you receive. Or, contact us directly by mail or e-mail at the addresses listed on this page.]
Other Types of Information We Gather and How It Is Used
We use technology to collect anonymous, non-personal information that indicates how our site is used by visitors to improve our site, for example by enhancing pages or features that are visited frequently, and on occasion we may share this information with our affiliates or other third party companies to help us plan for technical improvements to our website. This information will not identify you or any other user of our website as an individual.
Cookies and Other Data Collection Technologies
Strictly Necessary Cookies: These cookies are necessary for the website to function and cannot be switched off in our systems. They are usually only set in response to actions made by you which amount to a request for services, such as setting your privacy preferences, logging in or filling in forms. You can set your browser to block or alert you about these cookies, but some parts of the website will then not work. These cookies do not store any personal information.
Performance Cookies: These cookies allow us to count visits and traffic sources so we can measure and improve the performance of our website. They help us to know which pages are the most and least popular and see how visitors move around the website. All information these cookies collect is aggregated and therefore anonymous. If you do not allow these cookies, we will not know when you have visited our website and will not be able to monitor its performance.
Functional Cookies: These cookies enable the website to provide enhanced functionality and personalization. They may be set by us or by third-party providers whose services we have added to our pages. If you do not allow these cookies, then our website may not function properly.
Targeting Cookies: These cookies may be set through our website by our advertising partners. They may be used by those companies to build a profile of your Interests and show you relevant advertising on other sites. They do not store directly personal information but are based on uniquely identifying your browser and internet device. If you do not allow these cookies, you will experience less targeted advertising.
Your Cookie Choices
Browser Settings. You can enable or disable cookies by adjusting your browser settings. This allows you to reject the placement of all cookies (except strictly necessary cookies). You can also delete cookies which have already been placed on your device.
Please remember that disabling or deleting some or all cookies may prevent some web services (including on this website) from functioning correctly, and may lead to a less smooth or less personalized browsing experience.
For more information on how to manage your cookies, please visit your browser’s cookie support section, such as the following:
Internet Explorer: https://support.microsoft.com/en-us/help/260971/description-of-cookies
Mozilla Firefox: https://support.mozilla.com/en-US/kb/Cookies
Google Chrome: https://support.google.com/chrome/answer/95647?hl=en&co=GENIE.Platform=Desktop
For further general information on cookies and more detailed advice on how to disable and enable them please go to https://www.allaboutcookies.org.
Our website is not intended for anyone under the age of 16 and no one under the age of 16 may provide any personal information to or for us. We do not knowingly collect personal information from anyone under the age of 16. If you are under the age of 16, do not use or provide us with any personal information. If you are a parent or guardian of someone under the age of 16 and you are aware that your child has provided us with personal information, please contact us. If we become aware that we have collected personal information from anyone under the age of 16 without verification of parental consent, we will take appropriate action in accordance with applicable law. To learn more about the Children’s Online Privacy Protect Act (COPPA) please visit the Federal Trade Commission's website at https://www.ftc.gov/.
How We Strive To Protect Personal Information
We have implemented a variety of encryption and security technologies and procedures to protect information stored in our computer systems from unauthorized access. We also maintain procedural safeguards that restrict access to your personal information to employees (or people working on our behalf and under confidentiality agreements) who need to know your personal information in order to provide the products and services that you request. While the security of your personal information is important to us, unfortunately, no method of transmitting or storing data can guaranty your personal information is 100% secure, and we do not assume any responsibility for any harm, loss or damage you may experience from transmission of information by or to us over the Internet.
Links To Other Sites
We provide links to affiliated and non-affiliated entities and on occasion to other sites we think you may find useful. These sites operate independently and have established their own privacy and security policies. For the best online experience, we encourage you to review these policies before submitting any personal information through these sites.
Consent To Transfer
Please be aware that any information you provide to us could be transferred to the United States or to the European Union. By using this website and/or providing us with your personal information through this website, you consent to this transfer.
For California Residents: How to Exercise Your Privacy Rights
This section supplements our Policy and provides specific information for California residents (“consumers” in this section), as required under California privacy laws and is intended to satisfy applicable laws, which require that we provide certain information to California consumers about how we handle your personal information that we have collected, whether online or offline. “Personal information” is any 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, including the categories identified in the table below to the extent they identify, relate to, describe, are reasonably capable of being associated with, or could be reasonably linked, directly or indirectly, with a particular consumer or household.
This notice provides important information to California consumers (who are not our employees, job applicants or consultants) about how we handle your personal information that we have collected, whether online or offline.
In particular, we have collected within the last twelve (12) months, and, in the future, will collect, the following categories of personal information about California consumers:
Categories of Personal Information Collected
Name, contact information and identifiers Real name, email address Some identifiers included in this category may overlap with other categories.
For purposes of this Policy, the following information is not considered to be personal information:
- Information that is lawfully made available from government records.
- De-identified or aggregated information.
- Information excluded from California privacy law’s scope, including:
o Health or medical information covered by the Health Insurance Portability and Accountability Act of 1996 (HIPAA) and the California Confidentiality of Medical Information Act (CMIA) or clinical trial data;
o Personal information covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act (FRCA), the Gramm-Leach-Bliley Act (GLBA) or California Financial Information Privacy Act (FIPA), and the Driver's Privacy Protection Act of 1994.
Categories of Sources of Personal Information Collected
We collect personal information from our customers to provide VeroESG, service providers who provide services to us, companies that we provide our services to, our partners, our vendors, our third party service providers, our affiliates, third party data providers and internet website visitors.
Business Purpose for Collecting Personal Information
We collect personal information from our vendors and perspective vendors, including our service providers, when the vendors are negotiating and entering into a contract with us to allow us to manage our vendor procurement process, to assess and confirm a vendor’s suitability for the specific product/service and to engage with vendors as needed throughout the course of business.
We collect personal information from individuals who access our website, application or website and from individuals who provide personal information to us in connection with consumer outreach and research and client outreach and research.
Sale of Personal Information
We do not sell personal information. In the past 12 months, we have not sold your personal information.
Sharing Personal Information
To accomplish our business purposes, we share personal information with our affiliated companies, vendors, attorneys, court reporters, arbitrators, mediators, fire and/or police departments, regulatory officials and law enforcement, as required, social media, lienholders, mail service vendors, research vendors, printing vendors and other vendors and third party service providers.
We disclose the following categories of personal information for a business purpose: Name and email. When we disclose personal information for a business purpose, we enter into a contract that describes the purpose and requires the recipient to both keep that personal information confidential and not use it for any purpose except performing the contract.
Your Rights Pertaining to Your Personal Information
California’s privacy laws grant you particular rights (subject to certain exceptions) with respect to your personal information that companies may hold about you. Each of your rights is outlined in more detail below:
Requests for Copy, Deletion and Right to Know. Subject to certain exceptions, California consumers have the right to make the following requests, at no charge, up to twice every 12 months:
• Copy: The right to request a copy of the specific pieces of personal information that we have collected about you in the prior 12 months.
• Deletion: The right to request deletion of their personal information that we have collected about you. Please note that California law provides you this right subject to certain exemptions that may apply (for example, where the information is used by us to detect security incidents, debugging, to comply with a legal obligation, or otherwise not subject to a deletion request).
• Right to Know: You have the right to request that we tell you how we have handled your personal information in the prior 12 months, including:
o The categories of personal information we collected, used, sold, or disclosed for a business purpose.
o The categories of sources from which we collected personal information.
o The business or commercial purposes for collecting and selling your personal information.
o The categories of third parties to whom we sold or disclosed for a business purpose your personal information and the specific categories of personal information sold or disclosed to each category of third party.
Authorized Agents. You can designate an authorized agent, pursuant to a designation that we validate, to make a request under the CCPA on your behalf.
Incentives and Discrimination. The California privacy laws prohibit discrimination against California consumers for exercising their rights under such privacy laws and impose requirements on any financial incentives offered to California consumers related to their personal information. Businesses may offer different prices, rates, or quality of goods or services if the difference is reasonably related to the value of the consumer’s data.
For More Information. For questions or concerns about the business’s privacy policies and practices, please contact us via the same phone number or email address listed used to exercise your rights listed below.
California Consumers: How to Exercise Your Privacy Rights
In order to exercise any of the rights described in this policy, please:
- Contact us at firstname.lastname@example.org [or insert phone number]
We may need to request specific and/or additional information from you to help us confirm your identity and ensure your right to access or delete your personal information. This is a security measure designed to prevent the disclosure of your personal information to a person who has no right to receive it. We will only use this information to verify your identity or authority to make the request.
We will deliver our written response to you. We will not charge you a fee for access to your personal information (or to exercise any of your other rights). However, we may charge a reasonable fee if your request is clearly unfounded, repetitive, excessive, or manifestly unfounded, or we may refuse to comply with your request in these circumstances.
We will not be obligated to respond to more than two requests for data access/data portability in a 12-month period. Any responses will cover the 12-month period preceding your request.
This website and its related service are maintained by us in the United States and are not intended to subject us to the laws or jurisdiction of any state, country or territory other than that of the United States.
Updates to this Policy
We will update this Policy from time to time to reflect changes in our business. If we change how we use your personal information or the purposes or entities for and to which we disclose your personal information we will post the policy change in this Policy on our website.
Our current Policy was last updated Jan 1, 2023.
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