Vantage Privacy Policy

Last Updated: July 2022

Vantage takes your privacy seriously.  Please carefully read this Privacy Policy (“Privacy Policy” or “Policy”), as well as our Disclaimer and Terms of Use Agreement, to familiarize yourself with our privacy practices regarding your personal information and how we will use it.

This Privacy Policy applies to Vantage’s website and all related websites (“Sites”), mobile applications, email communications, and all (re)insurance and other services, activities and solutions owned, operated or provided by Vantage (“Services,” and collectively, “Sites and Services”).  Vantage’s social media platforms may use services such as Facebook, LinkedIn, and Twitter.  This Privacy Policy does not apply to any social media platform provider, but does apply to any personal information Vantage may receive or have access to through such platforms.

To make this document more readable, “Company”, “we”, “us”, and “our” refer to Vantage.  “You” and “your” refers to anybody using our Sites and Services.

This Privacy Policy describes how Vantage collects and uses your personal information provided to us in connection with the Sites and Services, either directly by you or on your behalf.  It also describes the rights residents of certain states may have regarding their personal information.  By using our Sites and Services, you consent to us collecting, using, and storing your data as described in this Privacy Policy and our Disclaimer and Terms of Use Agreement.  If you do not agree to these terms, please do not use our Sites and Services.

We may revise this Privacy Policy from time to time.  We will post any changes on this page and update the date at the top.  Your continued use of our Sites and Services after changes have been posted will constitute your acceptance of this Privacy Policy and any changes.

Personal Information We Collect and Have Collected in the Past 12 Months – Sources and Categories

In the 12 months preceding the date of this Policy, we may have collected your personal information when you used our Sites and Services. We may collect personal information about you either from you or your agents or representatives. The personal information that Vantage collects, uses, and shares relating to you will depend on Vantage’s relationship or interaction with you (for example, as a policyholder; insured person under another policyholder’s policy, or claimant; commercial broker or appointed representative; employee or applicant for employment or other person relating to our business).  

Personal information we may have collected from these sources during the 12 months preceding the date of this Policy, and will continue to collect, includes:

  • Personal Identifiers such as name, physical address, email address, unique personal identifier, account name, Social Security number, driver’s license or state identification card number, passport number, signature, physical characteristics or description, (re)insurance policy information, financial information, medical information, or other similar identifiers or personal information;
  • Other sensitive information such as age, race, ethnicity, ancestry, national origin, citizenship, political opinions, religious or philosophical beliefs, trade union membership, marital status, medical condition, disability, sex (including gender, gender identity, gender expression, pregnancy/childbirth and related medical conditions), sexual orientation, veteran or military status, biometric or genetic information, and criminal convictions;
  • Commercial information such as records of products or services purchased, obtained or considered, or other purchasing or consuming histories or tendencies;
  • Internet or other electronic activity information such as online identifiers (e.g., Internet Protocol address), internet or other electronic network activity regarding your interaction with our Sites and Services, social media pages, applications or advertisements;
  • Geolocation data such as physical location;
  • Sensory information such as audio, electronic, visual or similar information, which may include recording of training sessions;
  • Professional or employment-related information such as current or past job history;
  • Educational information such as records directly related to a student maintained by an educational or institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes and student disciplinary record; and
  • Inferences drawn from any of the information above.

Personal information does not include publicly available information from government records, or deidentified or aggregated information.

How We Use Your Data

Vantage may use personal information as may be necessary to:

  • Contact you, or send information you have asked to receive about Vantage products and services;
  • Update you with news and other information about the Company, including marketing materials;
  • Service your (re)insurance needs, including to process claims you have submitted relating to Vantage products and services or to confirm or correct information you have submitted;
  • Personalize your experience while using Vantage’s Sites and Services or other digital platforms;
  • Conduct research and data analytics to support Vantage’s risk management and operational purposes, including actuarial analysis and the development of actuarial and pricing tools and models;
  • Contact you for other business reasons;
  • Inform you of Vantage jobs and to decide if you have the skills for a job;
  • Protect Vantage’s privacy and property, as well as the privacy and property of you or others;
  • Resolve complaints and handle any requests for access to or correction of your personal data;
  • Prevent, detect and investigate fraud and other activities that violate our terms or that are illegal;
  • Comply with laws and legal processes, including responding to court, regulatory or governmental requests;
  • As otherwise allowed, or required, by applicable law including laws other than those of your location; and
  • In any other way we may describe when you provide the information.

We also may anonymize, combine or aggregate any of the information we collect for any of these purposes, or to analyze trends or statistics or to provide risk management or (re)insurance services to our clients.

Disclosure of Personal Information for Business Purposes in the Past 12 Months

Vantage does not sell your personal information or provide it to third-parties for their direct marketing purposes.  The following chart describes the categories of personal information that we may have disclosed to third-parties for a business purpose in the 12 months prior to the date of this Policy: 

Categories of Consumers’ Personal Information

Categories of Third-parties With Which We Shared Personal Information for a Business Purpose

Personal identifiers: name, physical address, email address, unique personal identifier, account name, Social Security number, driver’s license or state identification card number, passport number, signature, physical characteristics or description, (re)insurance policy information, financial information, medical information, or other similar identifiers or personal information.

Contractors, third-parties, and service providers that assist us in providing (re)insurance products and financial information processing services; assist us in operating, analyzing, and displaying content on our website; assist us in analyzing, organizing, and maintaining financial and (re)insurance information; conduct research and data analytics; advertise or market our products; provide legal and accounting services.

Other sensitive information: age, race, ethnicity, ancestry, national origin, citizenship, political opinions, religious or philosophical beliefs, trade union membership, marital status, medical condition, disability, sex (including gender, gender identity, gender expression, pregnancy/childbirth and related medical conditions), sexual orientation, veteran or military status, biometric or genetic information, and criminal convictions.

Contractors, third-parties, and service providers that assist us in providing (re)insurance products and services including adjusting claims; assist us in operating, analyzing, and displaying content on our website; conduct research and data analytics; advertise or market our products; and provide legal and accounting services.

Commercial information: records of products or services purchased, obtained or considered, or other purchasing or consuming histories or tendencies.

Contractors, third-parties, and service providers that assist us in providing (re)insurance products and services policy administration, services and claims adjusting; assist us in operating, analyzing, and displaying content on our website; conduct research and data analytics; and advertise or market our products.

Internet or other electronic network activity information:  online identifiers (e.g., Internet Protocol address), Internet or other electronic network activity regarding your interaction with our Sites and Services, social media pages, applications or advertisements.

To service providers that provide data security services and cloud-based data storage; host our Sites and assist with other IT-related functions; provide website hosting, webcast and teleconference services; advertise and market our products; and conduct research and data analytics.

Geolocation data: physical location.

Contractors, third-parties, and service providers that assist us in providing (re)insurance products; assist us in operating, analyzing, and displaying content on our website; conduct research and data analytics; and advertise or market our products.

Sensory information: audio, electronic, visual or similar information, which may include recordings of training sessions.

Contractors, third-parties, and service providers that provide physical security services and audio and visual information storage and host our training platforms.

Professional/employment-related or educational information: current or past job history, 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 record.

Contractors, third-parties, and service providers that assist in us in analyzing job applications and providing benefits for our employees.

Additional Information About How We May Share Personal Information

Generally speaking, we may share your personal information to transfer data to our affiliates from time to time for our legitimate business purposes.  Affiliates are defined as subsidiaries, parent companies, joint ventures, and other corporate entities under common Vantage ownership. We may also share your personal information as required or permitted by law to comply with a subpoena or similar legal process or government request, or when we believe in good faith that disclosure is legally required or otherwise necessary to protect our rights and property or the rights, property or safety of others, including to law enforcement agencies, and judicial and regulatory authorities. We may also share your personal information with third-parties to help detect and protect against fraud or data security vulnerabilities, and we may transfer your personal information to a third-party in the event of a sale, merger, reorganization of our entity or other restructuring.

Security

We are committed to maintaining your confidence and trust and take steps to help protect the personal information you provide to us.  However, no transmission or electronic storage of information is guaranteed to be secure.  We therefore urge you to always use caution when transmitting information over the internet.

Your Privacy Rights

Vantage adheres to all applicable privacy laws and regulations.  Depending on your location, you may have certain rights over your personal information that we hold about you under certain circumstances.  If you wish to exercise any applicable rights or have any other inquiries or complaints in relation to data collected on or through our Site or this Privacy Policy, please refer to the “Contact Us” section below.  We may decline your request where legally permitted, however, we aim to respond to requests, or provide a reason for delay or declination in accordance with timeframes established by applicable laws.

California Privacy Rights

If you are a California resident, you may have separate rights regarding your personal information, in accordance with California law. 

California Consumer Privacy Act

The California Consumer Privacy Act (“CCPA”) gives California residents rights described below with respect to their personal information.

The CCPA defines “personal information” to mean information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a California consumer or household. 

Your Right to Request Disclosure of Information We Collect and Share About You

We are committed to ensuring that you know what personal information we collect. To that end, you can ask us for any or all of following types of personal information we have collected about you in the 12 months prior to our receipt of your request:

  • Specific pieces of personal information we have collected about you;
  • Categories of personal information we have collected about you;
  • Categories of sources from which such personal information was collected;
  • Categories of personal information that the business sold or disclosed for a business purpose about the consumer;
  • Categories of third-parties to whom the personal information was sold or disclosed for a business purpose; and
  • The business or commercial purpose for collecting or selling your personal information.

Your Right to Request Deletion of Personal Information We Have Collected About You 

Upon your request, we will delete the personal information we have collected about you, except for situations where the CCPA authorizes us to retain specific information, including when it is necessary for us to provide you with a good or service that you requested; perform a contract we entered into with you; maintain the functionality or security of our systems; or comply with or exercise rights provided by the law.  The law also permits us to retain specific information for our exclusively internal use, but only in ways that are compatible with the context in which you provided the information to us or that are reasonably aligned with your expectations based on your relationship with us.  We will act on your deletion request within the timeframes set forth below.

Sale of Personal Information

As explained above, we do not sell your personal information.

Exercising Your Rights and How We Will Respond

To exercise any of the rights above, or to ask a question, contact us at 833-552-1772, or email us at [email protected]

For requests for access or deletion, we will first acknowledge receipt of your request within 10 business days of receipt of your request.  We will provide a substantive response to your request as soon as we can and generally within 45 days from when we receive your request; although we may be allowed to take longer to process your request under certain circumstances.  If we expect that your request will take us longer than normal to fulfill, we will let you know.

We usually act on requests and provide information free of charge, but we may charge a reasonable fee to cover our administrative costs of providing the information in certain situations.  In some cases, the law may allow us to refuse to act on certain requests.  When this is the case, we will endeavor to provide you with an explanation as to why. 

Our Commitment to Respect Your Rights

If you exercise any of the rights explained in this Policy , we will continue to treat you fairly.  If you exercise your rights under this Policy , you will not be denied or charged different prices or rates for goods or services or provided a different level or quality of goods or services than others.

Verification of Identity – Access or Deletion Requests

We will ask you for identifying information and attempt to match it to information that we maintain about you. 

If we are unable to verify your identity with the degree of certainty required, we will not be able to respond to your request.  We will notify you to explain the basis of the denial. 

Authorized Agents

You may designate an agent to submit requests on your behalf.  The agent must be a natural person or a business entity that is registered with the California Secretary of State.  

If you would like to designate an agent to act on your behalf, you and the agent will be required to provide us with proof of the agent’s identity and proof that you gave the agent signed permission to submit a request on your behalf.  Additionally, you will be required to verify your identity by providing us with certain personal information as described above or provide us with written confirmation that you have authorized the agent to act on your behalf.

Please note that this subsection does not apply when an agent is authorized to act on your behalf pursuant to a valid power of attorney.  Any such requests will be processed in accordance with California law pertaining to powers of attorney.

Requests for Household Information

There may be some types of personal information that can be associated with a household.  Requests for access or deletion of household personal information must be made by each member of the household.  We will verify the identity of each member of the household using the verification criteria explained above and will also verify that each household member is currently a member of the household.

California Shine the Light

Vantage does not share your personal information or provide it to third-parties for their direct marketing purposes.

California Do Not Track 

Some browsers have a “do not track” feature that lets you tell websites that you do not want to have your online activities tracked.  At this time, our Sites do not respond to browsers’ do not track signals.

International Transfers

Our Site is hosted in the United States. All personal information you submit to us via the Site will be transferred to the United States.

By providing Personal Information and other information to Vantage, including through the Sites and Services, and/or by sending a communication to a “vantagerisk.com” e-mail address, you understand and consent to the collection, use, processing disclosure and transfer of such information in the United States and other countries or territories in accordance with the terms of this Privacy Policy, which may not offer the same level of data protection as the country where you reside. Further, please note that any communication you send to a “vantagerisk.com” e-mail address will be routed through the United States.

Choices about the Collection and Use of Your Information

Vantage and hits service providers may collect “cookies” or other online tracking devices (e.g., web beacons) that recognize you.  A cookie is a piece of information stored on the device you are using to access Vantage’s Sites and Services.  Vantage uses cookies and other tracking devices for security purposes, as well as to help in navigation and enhance your viewing experience.  Cookies also let Vantage select which of Vantage’s advertisements or offers are most likely to appeal to you.  These are then displayed while you are using Vantage’s Sites and Services or other digital platforms.

We may contract with third-parties who may use cookies and web beacons and collect information on our behalf or provide services such as promotional services, data management, or website troubleshooting and analytics.  These third-parties are prohibited by our contract with them from sharing that information with anyone other than us or our other vendors who provide similar services.

If you do not want information collected through the use of cookies, you may opt-out of receiving cookies by changing your internet browser settings.

Third-party Services and Websites

Vantage’s Sites and Services may sometimes include links to third-party websites.  This Privacy Policy does not apply to information you provide to third-party websites.  Vantage is not responsible for the privacy or other practices, including security practices, of any third-party website, nor does a link to a third-party website within Vantage’s services mean that Vantage endorses these websites or the services they provide. Accordingly, we recommend that you review the privacy policies posted on any website that you may access through our Sites and Services.

Collection of Information from Children

Vantage does not knowingly collect personal information from anyone under the age of 13.  

Accessibility

We are committed to ensuring that our communications are accessible to people with disabilities.  To make accessibility-related requests or report barriers, please contact us via the information in the “Contact Us” section below.

Feedback or Questions

If you have questions or comments, please refer to the “Contact Us” section below.

Contact Us

If there are any questions regarding this Policy, or to request a copy of this Policy in another format, you may contact us using any of the methods below:

Vantage Services LLC

River Point, 17th Floor

444 W. Lake St.

Chicago, IL 60606