Privacy Policy

Effective Date: June 16, 2023

MS Transverse respects the privacy of our Customers and our website users. We use information you provide to better serve your insurance needs. We also recognize that this information belongs to you and that we must treat it accordingly. The following statement spells out our privacy policy in more detail. The privacy policy only applies to www.mstransverse.com

Explanation of Terms Used

Claimant – a person or entity that makes a claim under our insurance policy(s).
Customer – a purchaser of our insurance policy(s).
User – a person using our website.

Use of Personal Information

Personal information that can identify a User, such as name, address or policy information is collected only when voluntarily offered and solely for purposes that are clearly identified on our websites. Access to pages with content specific to agents, brokers or Customers is password-protected and requires pre-registration. Personal information acquired through the registration process is kept confidential and will not be disclosed to third parties except as may be required by law, to comply with a subpoena, court order or other regulatory or governmental requirement, or as necessary for business purposes and audit certifications under an appropriate confidentiality agreement. MS Transverse’s websites are not directed to children and we do not knowingly collect personal information from children.

Use of Customer Information

MS Tranverse’s policy is to limit access to Customer information to those who need it to serve Customers’ insurance needs. We do not disclose Customer information to third parties other than our agents and brokers, except as necessary to conduct business, e.g., settling claims. We do not conduct direct online or telephone sales programs to our Customers using information obtained from our websites without prior consent.

Categories of Information Collected Personal information that is voluntarily provided to us by Customers or Claimants may include identifying information and physical, medical and health information. We may use or disclose the personal information we collect for one or more of the following purposes:

Underwrite, rate and service insurance,
Process claims,
Create and market insurance products and services,
Investigate potential fraud,
Satisfy legal and regulatory requirements,
Protect our rights, privacy, safety or property, and/or that of you or others,
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, and
Other business purposes and activities allowed by law.

Use of Tracking and Cookies MS Transverse’s Websites do not respond to “do not track signals”. MS Tranvserse’s Websites do not use tracking devices and do not use cookies.

Security MS Transverse maintains physical, electronic, and procedural safeguards to protect your personal information from unauthorized access. MS Transverse will use industry-standard encryption technologies when transferring confidential medical and claims information. Authorized/registered users will be redirected to a secure server. Depending on the browser/browser setting, a pop up screen may appear notifying the User of a secure environment inside our website.

Nevertheless, transmission via the Internet and online digital storage are not completely secure and MS Tranverse cannot guarantee the security of information you send to us online.

Transfer of Personal Information

MS Transverse is based in the United States, and MS Transverse’s Websites and our services are designed for use in the United States. If you access MS Transverse’s Websites or provide information to us from outside the United States, your information will be transferred to and processed in the United States for purposes described in this privacy policy, and your Personal Information may be subject to different levels of privacy protections than the country you are located in.

Consent By using this website and any websites at www.MSTRANSVERSE.com, you signify your consent to this privacy policy. If you do not agree to this policy, please do not use this website. We reserve the right to change this policy at any time. We will place updates on our website.

Contact If you have any questions or comments about this privacy policy contact MS Transverse’s Privacy Officer by sending an email to info@mstransverse.com or by mail sent to following address:

MS Transverse Insurance Group Attention: Privacy Officer Privacy Inquiries 15 Independence Blvd., P.O. Box 4602 Warren, NJ 07059-0602

This section provides additional information for California Residents

PRIVACY STATEMENT – CALIFORNIA – Commercial Insurance

This Privacy Statement – California – Commercial Insurance supplements the information contained in the MSTRANSVERSE.com Privacy Policy (MS Transverse is “we,” “us,” or “our”) and applies solely to Customers, Claimants, and consumers who reside in the State of California (“consumers” or “you”).

This Privacy Statement describes our collection, use and disclosure of California Consumer personal information (“PI”) as well as the rights California Consumers have under the California Consumer Privacy Act of 2018 (“CCPA”) and other California privacy laws.

Collection and Use of Personal Information

The table below shows the types of PI we may have collected in the past 12 months (or not collected, if indicated below), the sources from which we may collect this information, why we collect it, and with whom we may share it. The chart is representative.

Category	Examples of PI Collected	Sources of PI	Purposes for PI Collection	Categories of Recipients
Identifiers	Name, postal address, email address, social security number, driver’s license number, or other similar identifiers	You, your parent/guardian, your employer, your or your employer’s insurance producer, your or your employer’s insurer	Provide insurance services to Customers and Claimants, and as required by law	Insurance Companies; State or Federal regulatory agencies; others as required by law
Individual Records	Name, postal address, telephone number, email address, driver’s license, medical information, insurance information, employment information	You, your parent/guardian, your employer, your or your employer’s insurance producer, your or your employer’s insurer	Provide insurance services to Customers and Claimants, and as required by law	Insurance Companies; State or Federal regulatory agencies; others as required by law
Protected Characteristics	Marital/familial status, medical condition, gender	You, your parent/guardian, your employer, your or your employer’s insurance producer, your or your employer’s insurer	Provide insurance services to Customers and Claimants, and as required by law	Insurance Companies; State or Federal regulatory agencies; others as required by law
Commercial Information / Purchase Details (Not collected in the past 12 months)	Records of products or services purchased	You, your or your employer’s insurance producer, your or your employer’s insurer, service providers, medical or healthcare providers	Provide insurance services to Customers and Claimants, and as required by law	Service Providers; other Insurance Companies; Insurance Service Organizations; State or Federal regulatory agencies; others as required by law
Biometric Information collected in the past 12 months	Physiological, behavioral, and biological characteristics	You, your parent/guardian, your employer, your or your employer’s insurance producer, your or your employer’s insurer	Provide insurance services to Customers and Claimants, and as required by law	Insurance Companies; State or Federal regulatory agencies; others as required by law
Geolocation Data (not collected in the past 12 months)	Precise physical location, movements, and travel patterns	Your Employer	Provide insurance services to Customers and Claimants and as required by law	Your Employer
Sensory Data (Not collected in the past 12 months)	Audio recordings, CCTV footage	You, your employer, your or your employer’s insurance producer, your or your employer’s insurer, service providers, medical or healthcare providers, insurance fraud investigators	Provide insurance services to Customers and Claimants, and as required by law	Service Providers; other Insurance Companies; Insurance Service Organizations; State or Federal regulatory agencies; others as required by law
Professional or Employment Information	Professional, educational, or employment-related information	You, your parent/guardian, your employer, your or your employer’s insurance producer, your or your employer’s insurer	Provide insurance services to Customers and Claimants, and as required by law	Insurance Companies; State or Federal regulatory agencies, others as required by law

We will not collect additional categories of PI or use the PI we collected for materially different, unrelated, or incompatible purposes without providing notice.

When we disclose PI to a service provider, we do so for a business purpose and pursuant to a written contract that describes the business purpose(s) for the disclosure, specifies the services to be performed, and prohibits the recipient from further using, retaining, or disclosing the PI other than as specified in the contract. We may also disclose PI pursuant to an exemption from the CCPA.

Your Rights and Choices

The CCPA provides California Consumers with specific rights regarding their PI. You may also appoint a representative to exercise your rights. This section describes your CCPA rights and explains how to exercise those rights.

Access to Categories of Information and Specific Information Rights

You have the right to request that we disclose certain information to you about our collection and use of your PI over the past 12 months. You are limited to two requests in a 12-month period. Once we receive and confirm your verifiable consumer request, we can disclose to you:

The categories of PI we collected about you.
The categories of sources for the PI we collected about you.
Our business or commercial purpose for collecting that personal information.
The categories of third parties with whom we share that personal information.
The specific pieces of PI we collected about you.
If we disclosed your PI for a business purpose, a list identifying the PI categories that each category of recipient obtained.

Deletion Request Right

You (California Consumers) have the right to request that we delete any of your PI that we collected directly from you and retained, subject to certain exceptions. Once we receive and confirm your verifiable consumer request, we will delete your PI from our records, unless an exception applies.

Verifiable Consumer Request

You may exercise your access and deletion rights described above by submitting a verifiable consumer request to us. A verifiable consumer request is a request made by a consumer, by a consumer on behalf of the consumer’s minor child, or by a person registered with the California Secretary of State and that we can reasonably verify that the consumer is the consumer about whom we have collected PI.

To verify the consumer we will need your name, policy number and/or claim number.

Your request should also have sufficient detail that allows us to properly understand, evaluate, and respond to it. In other words, tell us if you are requesting categories of information we collect, specific information we collect, or requesting deletion of your PI.

Verifiable consumer requests should be sent to us at the contact information below.

We will make commercially reasonable efforts to identify your PI and to respond to requests, but if we cannot identify your PI, we will tell you. You may submit additional information for us to search again. If there is irrelevant or voluminous data, we may provide a summary of that data or may request a fee for collecting and sending your PI to you. We may verify a requestor’s identity by matching known information internally or via an outside service.

We cannot respond to your request or provide you with PI if we cannot verify your identity or authority to make the request and confirm the PI relates to you. We will only use PI provided in a verifiable consumer request to verify the requestor’s identity or authority to make the request, unless the information was provided for another purpose.

“Do Not Sell”

We do not sell PI. In the preceding 12 months we have not sold PI as defined under the CCPA, and until such time as our practices change by updating this Privacy Notice, we will treat PI collected under this Privacy Statement as subject to a “do not sell” request.

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.

Minors

MS Transverse’s websites are not directed to children and we do not knowingly collect personal information from children.

Changes to Our Privacy Statement

We reserve the right to change this Privacy Statement at any time. We will place updates on our website.

Contact Information

If you have any questions or comments about this Privacy Statement – California – Commercial Insurance, our Privacy Policy, the ways in which we collect and use your PI, your choices and rights regarding such use, or wish to exercise your rights under California law, contact MSIG’s Privacy Officer by one of the following methods:

Mail: MS Transverse Insurance Group

Attention: Privacy Officer Privacy Inquiries 15 Independence Blvd., P.O. Box 4602 Warren, NJ 07059-0602

Email: info@mstransverse.com

Web: www.mstransverse.com

Toll-free Number: 888-250-8023

Last updated June 16, 2023