Privacy Statement

Munich Reinsurance America, Inc., Munich Re America Services, Inc., American Alternative Insurance Corporation, Bridgeway Insurance Company and The Princeton Excess and Surplus Lines Insurance Company (collectively, “we,” “us” or “our”) take the privacy of our customers and the security of your information very seriously.

We provide this Privacy Statement ("Statement") because you have the right to know what information we collect, how it is protected and used, and the circumstances under which it may be disclosed. If you have further questions regarding this Statement, please contact us:

by e-mail to info@munichreamerica.com and include your name and telephone number or e-mail or postal address so that we can contact you; or
by phone at +1 609 243-4200; or
by letter to Munich Re America Services, Inc., 555 College Road East, Princeton, NJ 08543-5241, Attn: Chief Compliance Officer. Please include your name and mailing address or telephone number so that we can contact you.

To Whom This Statement Applies

This Statement only applies to Munich Reinsurance America, Inc., Munich Re America Services, Inc., American Alternative Insurance Corporation, Bridgeway Insurance Company and The Princeton Excess and Surplus Lines Insurance Company.

Our website is operated by “Munich Reinsurance Company”. You will therefore find information on the use of cookies in the relevant data protection declaration. Please click here https://www.munichre.com/en/general/privacy.html.

What information do we collect and for what purposes? When you access this website, certain information (e.g. your computer's IP address, date, time) is automatically stored in 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 collecting the IP addresses of visitors to our Web page, we collect the e-mail addresses of those who communicate with us via e-mail, aggregate information on what pages consumers access or visit, visit-specific information on what pages visitors access or visit, information volunteered by the visitor, such as survey information and/or site registrations, name and address, telephone number, and fax number.

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 correspond with you regarding a document or information you have specifically requested
to send you our e-mail newsletter(s)
to improve our website and customer service

We treat with strictest confidence any personal details sent when you access our public website. If you send us an e-mail or complete and submit the online forms 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 or information, or for any other purpose stipulated on the individual form.

For individuals whose personal data is subject to the European Union General Data Protection Regulation (EU GDPR), please refer to our Binding Corporate Rules regarding your rights concerning the processing of your personal data.

The Information We Share and Who We Share It With

We do not rent or sell email address lists. We may share segments of your personal information with our affiliated entities as necessary to complete a transaction that you specifically request or to conduct our business operations. For example, if you request a report or publication, or if you complete and submit a feedback form as a result of your business dealings with us, we may share information about those transactions with your account manager or with our affiliates. We do this in hopes that we can continually improve our service to you.

In some instances, we share your company name (but not your name or personal contact information) with agents or 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 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 telephone, mail or e-mail at the addresses listed on this page.

Other Types of Information We Gather, How It Is Used and Our Use of Gifs and Cookies

We use technology to collect anonymous, non-personal information that indicates how our site is used by visitors. We use this information 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.

We use clear gifs in our HTML-based e-mails to let us know which e-mails the recipients have opened.

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.

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.

Embedded players

This website contains embedded players. These are functionalities by Liberated Syndication Inc. (“Libsyn”). You can use these players to [insert description of player functionality, e.g. “listen to podcasts offered by Libsyn directly on our website”].

We have embedded privacy-friendly player settings to prevent Libsyn from tracking without the user’s active contribution. By default and before you press the play button, no personal data will be processed by Libsyn. By actively using the player, Libsyn will collect personal data directly from you. Libsyn is responsible for the collection and the subsequent processing of the personal data. Specifically, your IP address and the technical agent used to initiate the download will then be processed by Libsyn. We therefore recommend reading Libsyn’s privacy notice before using the player: https://libsyn.com/tos-policies/gdpr/

ADDITIONAL PRIVACY STATEMENT FOR CALIFORNIA RESIDENTS

This section supplements our Privacy Statement and provides specific information for residents of California (“consumers” in this section) and is intended to satisfy the California Consumer Privacy Act of 2018 (“CCPA”), as amended by the California Privacy Rights Act of 2020 (collectively, referred to as "CPRA"). The CPRA requires that we provide certain information to California consumers about how we handle your Personal Information that we have collected, whether online or offline. Under the CPRA, “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 California resident or household, including the categories of Personal Information identified in a 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.

Our website is operated by our parent company “Munich Reinsurance Company”. You will therefore find information on the use of cookies in our general Privacy Statement. Please click here to view the section describing our use of cookies:

This section of our Privacy Statement applies to www.munichre.com/us and other websites or applications that link to this Privacy Statement (the “Services”) and offline activities where California residents are directed to this section of our Privacy Statement. It does not apply to any third party websites or applications that you may access via the Services, which are governed by the privacy policies and terms of use that appear on those sites and applications.

If you would like to exercise your rights under the CPRA, please:

Click here and complete the form; OR
Contact us at this toll-free telephone number: 1-844-960-3128 and when prompted, input PIN number 284763

Our CPRA Notice at Collection is found below.

When We Are Acting as a Service Provider

In some circumstances, we act as a service provider under the CPRA and collect and use Personal Information on behalf of another unaffiliated company. Where your Personal Information is processed by us when acting as a service provider, the other company’s privacy policy will apply, and requests to exercise CPRA rights should be submitted directly to that company. In other circumstances, we act as a service provider for one of our own affiliated companies, and in that situation this section of the Policy will apply. If you make a request to exercise CPRA rights to us where we are acting as a service provider under the CPRA, we may be required to disclose your request to the company for which we are acting as a service provider.

Personal Information Not Covered by the CPRA

For purposes of this Additional Privacy Statement for California residents, the following Personal Information is not covered by the CPRA and does not include:

Publicly information lawfully made available from government records.
De-identified or aggregated consumer information.
Information excluded from the CPRA's scope, like:
- 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;
- 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.

California Notice At Collection

Categories of Personal Information Collected, Disclosed, Sources and Whether Sold or Shared

The type of information we collect from you depends on how you interact with us. The table below lists the categories of Personal Information that we have collected from California residents and have disclosed to others for a business purpose in the preceding twelve (12) months, the categories of sources of Personal Information from which the Personal Information is collected, and whether we sell or share each collected category of Personal Information. Some Personal Information included in the categories below may overlap with other categories.

We collect Personal Information from the following categories of sources and their representatives: our prospective and actual policyholders; other insured persons; corporate policyholders and companies we reinsure; reinsurance intermediaries of the companies we reinsure; claimants; others with information about the risk that we are insuring or reinsuring or about a claim; prospective and actual agents; our policyholders’ agents; brokers; prospective and actual business partners, vendors, contractors and service providers; our affiliates; third party administrators; adjusters; investigators; third party data providers; consumers who access our internet websites, internet forms and applications; and from consumers in connection with research and outreach.

We may disclose for a business or commercial purpose each of the categories of Personal Information described in the table below to the following categories of parties: vendors and service providers, agents, brokers, regulators, auditors, counsel, consultants, reinsurers, retrocessionnaires, advisors, representatives, our affiliates and subsidiaries, other website users, business partners, advertising networks, banks, operating systems or platforms, law enforcement, government entities and courts.

For more information about the business and commercial purposes for which we may collect or disclose such information, please review the “How We Use Your Personal Information,” and “The Information We Share and Who We Share It With” sections in our general Privacy Statement.

Categories Collected & Disclosed in the last 12 months	Personal Information Examples	Collected	Categories of Sources	Disclosed for Business or Commercial Purpose	Sell or Share
Identifiers	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. Some identifiers included in this category may overlap with other categories.	Yes	From you directly. From you directly and automatically if you provide prior affirmative, opt-in consent for unique personal or online identifier, IP address or cookie data. From agents and brokers. From our corporate clients. From our service providers.	Yes	No – do not sell No – do not share. We disclose online identifiers such as a unique personal identifier, device ID, IP address or cookie data for cross-contextual behavioral advertising only if you provide prior affirmative, opt-in consent.
Personal Records information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e))	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. Some personal information included in this category may overlap with other categories.	Yes	From you directly. From agents and brokers. From our corporate clients. From our service providers.	Yes	No – do not sell No – do not share
Characteristics of Protected Classifications under California or federal law	Age (40 years or older), race, color, ancestry, national origin, citizenship, religion, marital status, pregnancy, medical condition, physical or mental disability, sex, sexual orientation, and veteran or military status. Some protected classification characteristics included in this category may overlap with other categories.	Yes	From you directly. From agents and brokers. From our corporate clients. From our service providers.	Yes	No – do not sell No – do not share
Commercial Information	Records of products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.	No	Not applicable.	Not applicable	Not applicable
Biometric Information	An individual’s physiological, biological or behavioral characteristics, including DNA information that can be used to establish individual identity. includes imagery of the iris, retina, fingerprint, face, hand, palm, vein patterns, and voice recordings from which an identifier template such as a faceprint, voiceprint can be extracted, and keystroke patterns or rhythms, gait patterns or rhythms, and sleep, health, or exercise data containing identifying information.	Yes	From you directly. From our service providers.	Yes	No – do not sell No – do not share
Internet or network activity information	Internet or other electronic network activity information, including, but not limited to, browsing history, search history, information regarding a consumer’s interaction with internet websites, applications, or advertisements.	Yes	From you directly automatically and from other sources if you provide prior affirmative, opt-in consent.	Yes	No - do not sell No – do not share. We disclose online identifiers such as a unique personal identifier, device ID, IP address or cookie data for cross-contextual behavioral advertising only if you provide prior affirmative, opt-in consent.
Non-public education information (per the Family Educational Rights and Privacy Act (20 U.S.C. Section 1232g, 34 C.F.R. Part 99))	Education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes and student disciplinary records.	Yes	From you directly. From agents and brokers. From our corporate clients. From our service providers.	Yes	No – do not sell No – do not share
Geolocation Data	Physical location or movements.	Yes	From you directly and automatically. From our service providers.	Yes	No – do not sell No – do not share
Audio, Electronic, Visual, Thermal, Olfactory or similar information	Call recordings, video and photographs.	Yes	From you directly and automatically. From our service providers.	Yes	No – do not sell No – do not share
Professional or employment-related information	Employment history, qualifications, licensing, performance evaluations and disciplinary record.	Yes	From you directly. From our service providers.	Yes	No – do not sell No – do not share
Inferences drawn from other personal information	Inferences drawn from any of the personal information described in this section about an individual to create a profile including inferences reflecting the individual’s preferences, characteristics, behavior and abilities.	Yes	From you automatically and from other sources.	Yes	No – do not sell No – do not share
Sensitive Personal Information	Social security number, driver’s license number, state identification card, or passport number; account log-in, financial account, debit card, or credit card number in combination with any required security or access code, password, or credentials allowing access to an account; precise geolocation (a geographic area that is equal to or less than the area of a circle with a radius of 1,850 feet); racial or ethnic origin, religious or philosophical beliefs, or union membership; contents of a consumer’s mail, email, and text messages unless the business is the intended recipient of the communication; genetic data; processing of biometric information for the purpose of uniquely identifying a consumer; personal information collected and analyzed concerning a consumer’s health; personal information collected and analyzed concerning a consumer’s sex life or sexual orientation.	Yes	From you directly. From agents and brokers. From our corporate clients. From our service providers.	Yes	No – do not sell No – do not share

Business and Commercial Purposes for Which Personal Information is Collected and Used

The categories of Personal Information described above are collected and may be used and disclosed for the following business or commercial purposes:

to provide you with, renew or modify products and services;
to provide you with the information and documents you request and for other customer service purposes;
to process claims and other legal actions;
to provide you with information about our websites, mobile applications, or online services that link to our online Privacy Statement or required notices;
to carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing, collections and payments;
to deliver marketing communications or promotional materials that may be of interest to you and to assist us in determining relevant advertising;
for advertising and marketing purposes, as well as underwriting and claims assessment and actuarial purposes, we may share your information with analytics service providers;
to improve, enhance, and maintain the quality of services we provide and the usefulness of our websites, mobile applications and online services;
to customize your experience and to analyze use of our websites, mobile applications and online services;
to anonymize and aggregate data and reports to assess, develop and improve our products and services and for other analytics and research purposes;
to comply with applicable laws;
to respond to law enforcement requests, court orders or regulations, subpoenas, search warrants, other legal processes, or to perform other reporting obligations, as required by applicable law;
to perform research, testing and product development and demonstrations;
to prevent and detect fraudulent, malicious, deceptive, infringements of our policies and contracts and other potential misuse of or illegal activity relating to our products, services and assets;
to carry out actuarial analysis and develop our actuarial and pricing models;
to assist our affiliates in their everyday business purposes;
to provide training or organize events;
to investigate privacy, security or employment-related incidents;
to refer you to our third-party partners as part of a referral program;
to conduct financial, tax and accounting audits, and audits and assessments of our business operations or security and financial controls;
to plan, engage in due diligence for, and implement commercial transactions;
for employment-related purposes including but not limited to recruiting, hiring, onboarding, performance reviews and staffing decisions; human resource management services; administration of employee benefits, compensation and expenses; maintenance of contact information; conducting healthcare-related services; and provide alerts and notices;
to evaluate or conduct a merger, acquisition, restructuring, reorganization, divestiture, dissolution or other sale or transfer of some or all of our assets as a going concern or as part of bankruptcy, liquidation or similar proceeding;
to secure our offices, premises and physical assets, including through the use of electronic access systems; and
as described to you when collecting your Personal Information or as otherwise set forth in the CPRA.

We will not collect additional categories of Personal Information or use the Personal Information it collected for materially different, unrelated, or incompatible purposes without providing you notice.

Retention of Personal Information

We retain the Personal Information we collect only as reasonably necessary for the purposes described in this Notice or otherwise disclosed to you at the time of collection. We will retain certain Personal Information for as long as it is necessary pursuant to our records retention guidelines. Our records retention guidelines are based on our legal or business needs including but not limited to the following criteria: legal and regulatory obligations and requirements; contractual requirements owed to third parties; operational, fiscal, administrative or historical value to business operations; the duration of our business relationship with you, your employer or another related entity; the possibility of future complaints; whether the record is part of an insurance or reinsurance transaction or claim file; audits; investigations or litigation or the likelihood of these; the possibility of future insurance or reinsurance claim activity; whether the documentation is needed for processing of financial records; statutes of limitations; health and safety requirements; tax requirements; personnel requirements; corporate governance requirements; and record-keeping requirements.

Deidentification of Personal Information

We may deidentify Personal Information and use it for our internal purposes. We commit to maintaining and using this information in deidentified form and will not attempt to reidentify the information, except to determine whether our deidentification process satisfies the CPRA.

Your Rights and Choices Regarding Your Personal Information

This section describes the specific rights California consumers have regarding their Personal Information under the CPRA, subject to certain exceptions, and how to exercise those rights:

Right to Know: You have the right to request from us, up to two (2) times per year and subject to certain exemptions, the Personal Information we have collected about you in the prior twelve (12) months including:

the categories of Personal Information;
the categories of sources from which we collect the Personal Information;
our business or commercial purpose for collecting, selling, or sharing the Personal Information;
the categories of third parties to whom we have disclosed the Personal Information; and
the specific pieces of Personal Information we have collected about you.

Right to Delete. You have the right to request deletion of Personal Information we have collected from you under certain circumstances, subject to certain exceptions.

Right to Correct. You have the right to request correction of inaccurate Personal Information we maintain about you, subject to certain limitations.

Right to Opt-Out of Sale or Sharing of Personal Information: If a business “sells” or “shares” Personal Information as those terms are defined under the CPRA, you have the right to opt-out of the sale or sharing of your Personal Information. As explained below, we do not and will not sell or share your Personal Information.

We do not “sell” your Personal Information under the CPRA because we do not disclose Personal Information to a third party for monetary or other valuable consideration. We only use Statistical / Range Measurement cookies, and disclose information to our website data analytics service provider Adobe that is not traceable to your IP address or linked to your other Personal Information, to perform statistical analyses of use of our website if you direct us to intentionally do so by providing your prior, affirmative authorization.

We also will only disclose your online identifiers such as cookie data for cross-contextual behavioral advertising purposes regarding our products and services if you direct us to intentionally use Marketing cookies by providing your prior, affirmative authorization, which is not “sharing” under the CPRA.

By default, the Statistics / Range Measurement and Marketing cookies on our website are disabled. To learn more, please click on the Cookie Settings link at the bottom of our website where you will find instructions, an explanation of how we use Statistics / Range Measurement and Marketing cookies, and you can change the default settings for each cookie if you wish to enable them.

If you have enabled the Statistics / Range Measurement cookie and / or Marketing cookie, you can use the Cookie Settings link to at any time to disable the cookie(s) again.

We do not have actual knowledge that we sell or share Personal Information of minors under 16 years of age, and we will not do so in the future without affirmative authorization of the individual if between 13 to 16 years of age, or the parent or guardian of an individual less than 13 years of age.

Right to Limit Use and Disclosure of Sensitive Personal Information. We do not use or disclose sensitive Personal Information other than for limited purposes permitted under the CPRA and, as such, are not required to offer consumers a right to limit its use.

Right to Non-Discrimination. We will not discriminate against you for exercising any of your privacy rights under the CPRA.

How to Exercise Your Rights

Click here and complete the form; OR
Contact us at this toll-free telephone number: 1-844-960-3128 and when prompted, input PIN number 284763

Authorized Agent. You may designate an authorized agent to submit requests and act on your behalf. We require authorized agents to provide proof of their authorization from you.

Identity Verification. We will validate your identity and the identify of anyone making a request on your behalf relating to your personal information. The information we request to verify your identity may vary depending on the type of request and your relationship with us. Where feasible, we will match the identifying information you provide to the personal information we already maintain about you. We may in some instances request additional personal information from you which we will use only to verify your identity and will delete as soon as practical after responding to your request, except if we need to retain it to comply with CPRA recordkeeping requirements. If we are unable to verify your identity after a good faith attempt, we may deny your request and we will explain the reason for the denial.

We will respond to your request within the period of time required under law and will notify you if it is reasonably necessary for us to extend our response time.

Contact Information

If you have any questions or comments about this Notice, please do not hesitate to contact us at:

Phone: +1 609 243-4200

Email: info@munichreamerica.com

Postal Address:

Munich Re America Services, Inc.
555 College Road East
Princeton, NJ 08543-5241
Attn: Chief Compliance Officer

Updates to this Statement

We will update this privacy statement 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 privacy statement on our website.

Our current Statement was last updated September 3, 2024.