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Assurant® Privacy Notice

What Information We Collect
How We Use & Disclose Collected Information
Your Choices
Important Information

Caribbean American Property Insurance Company and Assurant Services of Puerto Rico, Inc, with offices at 350 Ave. Carlos Chardón, Torre Chardón Suite 1101, San Juan, PR 00918, (hereinafter, “We”, “Us”, “Our” or “Company”), respects your concerns about privacy. 

This Privacy Notice (“Notice”) describes how We will collect, access, use, disclose, retain, transfer, otherwise process and protect personal information when you use this Internet-based Web Portal (the “Service”) or, which allows users to validate their accounts, submit a claim, track a claim, submit enquiries, and applies to your use of the Service. 

We adhere to the following principles to protect your privacy:

We protect your personal information and will only provide it to third parties: 

(1) with your consent; 
(2) where it is necessary to carry out your instructions; 
(3) as reasonably necessary in order to provide the Service; 
(4) to Our service providers (as described in Section 2.5) in connection with providing the Service or Our associated operations; 
(5) when We reasonably believe it is required by law, subpoena or other legal process; 
(6) as necessary to enforce our Terms of Service, to protect the rights of the Company, or to prevent physical harm or financial loss; or
(7) as part of a reorganization or sale of all or part of Our business.

We have implemented safeguards designed to protect your information in accordance with industry standards.

This Notice applies to the Service only and does not necessarily reflect practices with respect to information gathered through other services We offer or websites We operate or the collection of information through off-line means. To review the privacy practices of those other services, please refer to the policies provided in association with each. 

If you have any concern about providing information to Us or your information being used in any manner permitted by this Privacy Notice and the Terms of Service, you should not visit Our Web Portal or otherwise use the Service.

1. What information We collect

We collect your personal information in the following ways:

1.1 Account Validation

We collect personal information when you access the Web Portal to validate your account. To validate an account, we may ask users to provide Us with your: (a) phone number (b) last four digits of your social security number (c) email address and/or (d) zip code, and agree to the Terms of Service and this Privacy Notice. The term "personal information" includes any individually identifiable information about you, such as, your name, email address, tax identification number, and (in certain jurisdictions) Internet Protocol (“IP”) address.

1.2 Personal Information When Using the Service 

After you have registered for the Service, information is collected directly from you to administer and manage your account and claims submitted by you through the Service. This information varies depending and may include: (a) policy and/or product information; (b) name of insured; (c) contact details (e.g., email, telephone, address, etc.); and (d) name of individuals who send questions to us via Our Contact Us form. 

We collect this information to provide the Service. You may view personal information you have submitted, and request modification or deletion of your personal information collected through the Web Portal.

We collect information about your usage of Our Service and may use third party analytics tools to evaluate user actions relative to the Web Portal. For example, when you are logged in on the Web Portal, your usage information will be associated by Us to your account. Even if you are not logged into the Web Portal, We log information about devices used to access Our Service, including IP address.

1.3 Submit a Claim

When you submit a claim through the Service, we [may] collect your (a) name; (b) contact details (such as phone number and email address); (c) billing address; (d) last four digits of your Social Security Number. We use this information to process your claim. In some cases, we may contact you with questions about your claim.

1.4 Customer Support

When you contact Our customer support (for example, when you enquire about a claim), We may access your personal information to respond to your request. We may also use this information to track potential issues and trends to better serve you. You may report any problems or security concerns with the Web Portal by contacting customer support Our customer support centers are located within and outside of your local country borders and may be operated by Assurant or Our service providers.

1.5 Using the Web Portal 

We collect information when you use Our Web Portal, and may use third party analytics tools to evaluate user traffic. For example We collect information when you view a page or click on a link. If you are logged in on the Web Portal, your usage information and the log data described in this Notice, such as your IP address, will be associated by Us to your account. Even if you are not logged into Our Service, We log information about devices used to access Our Service, including IP address.

1.5 Cookies

We use cookies and similar technologies, such as web beacons, to help Us recognize you, improve your experience, increase security, and measure use and effectiveness of Our Services. Persistent cookies may be used when accessing the Web Portal. These are pieces of information or data sent and stored to your browser or mobile device for record-keeping purposes. We use this information to analyze traffic patterns and improve the Service. If you prefer not to accept cookies into your browser, the help portion of the toolbar on most browsers will tell you how to prevent your browser from accepting new cookies, how to have the browser notify you when you receive a new cookie, or how to disable cookies altogether. However, disabling cookies may result in certain parts of the Web Portal and resources not operating correctly or prevent you from taking full advantage of some of the features of the Service. Where permitted by applicable law, by visiting Our Web Portal, you consent to the placement of cookies and beacons in your browser and HTML-based emails in accordance with this Privacy Notice. In certain jurisdictions, the use of cookies by our partners, affiliates, and service providers is not covered by this Notice. We do not have access or control over these cookies. Our partners, affiliates, service providers use session ID cookies to make it easier for you to navigate Our site.

Our Web Portal uses Google Analytics, a web analysis service provided by Google, in order to better understand your use of Our Web Portal, and how We can improve the Service. In general, Google Analytics collects information such as visits to a website, what pages are visited, and what other website you visited immediately prior to coming to a particular website. Google Analytics collects only the IP address assigned to you on the date you visit a website, rather than your name or other identifying information. We do not combine the information collected through the use of Google Analytics with your personal information. Although Google Analytics places a permanent cookie on your web browser to identify you as a unique user the next time you visit a website, the cookie cannot be used by anyone but Google. Google’s ability to use and share information collected by Google Analytics about your visits to Our Web Portal is restricted by the Google Analytics Terms of Use and the Google Privacy Policy. Google utilizes the data collected to track and examine the use of the website, to prepare reports on its activities and share them with other Google services. Google may use the data collected on Our website to contextualize and personalize the ads of its own advertising network. To more fully understand how Google may use the data it collects on Our website, please review the Google article “How Google uses data when you use Our partners' sites or apps,” located on Google’s website [here] or any successor URL.

Our third party partners may employ clear gifs (a.k.a. web beacons), images, and scripts that help them better manage content on Our site. We may combine information from third parties with information gathered through the use of the Service for market research, analysis and trending purposes.

Some browsers offer a “Do Not Track” (“DNT”) signal whereby you may indicate your preference regarding tracking and cross-site tracking. Although We do not currently employ technology that recognizes DNT signals, We will only process your personal information in accordance with this Notice. We engage third parties, such as marketing or analytics partners, who may collect information about your online activities over time and across different websites when you use Our sites. Third parties may only send you marketing communications if you have opted into such use. Where required by applicable law, You may request that We not share your information with third parties for these purposes by contacting Us through customer service or the Web Portal.

2. How We use and disclose collected information

2.1 Consent to Processing Information about You

By downloading, accessing or otherwise using the Web Portal, you indicated that you have read this Notice and expressly and voluntarily accept the terms of Our Terms of Service and freely consent to Our processing of personal information as set forth in this Notice. Providing any information deemed “sensitive” (such as last 4 digits of a user’s social security number a) by applicable law is totally voluntary on your part. If you do not wish to provide such information, please contact us at 877-281-9767 to file your claim. You can withdraw or modify your consent to our collection and processing of information you provide at any time, in accordance with this Notice and the Terms of Service, by modifying your account or by closing your account as described in Section 3.1. If you do not consent to the terms of this Notice, do not download, access or otherwise use the Service.

2.2 General

We do not sell or rent any of your personal information. 

The personal information We collect through your interaction with the Service is used to provide the Service, to manage your account for the Service, to manage our business and to improve the Service for yourself and other users of the Service, to develop new products and services, and for other purposes to which you consented. Examples of the above uses include:

  • We may disclose the collected information to third parties to perform business services on Our behalf, which are only authorized to use your personal information as necessary to provide these business services to Us such as Our analytics providers (including but not limited to, market research purposes) or hosting provider; 
  • Analyze traffic patterns for the Web Portal and resources We host (for example - to help Us improve your user experience); and
  • We also use the collected personal information, on an individual and collective basis, to track and analyze preferences and trends to improve the quality of the Service and to evaluate possible new features, functionality and services, and to improve the Service for you and other users of the Service.

2.3 Communications

We communicate with you through email and Our Web Portal. We may send you service-related communications (for example – emails about your claim). These messages will be sent to you based on your registration information and messaging preferences. You may change your email and contact preferences at any time by contacting customer support. Opt out: You may also opt out of receiving marketing and promotional messages from Us by using the opt out link in emails sent by Us or contacting customer support. We will request your consent prior to sending you marketing and promotional messages, where required.

Please be aware that you cannot opt out of receiving Service-related messages from Us.

2.4 Sharing information with affiliates

We may share your personal information with Our affiliates meaning entities controlled by, controlling or under common control with Assurant, Inc.), such as Our parent company, Assurant, Inc., as reasonably necessary for use in accordance with this Notice. By creating an account, or by using the Service, you consent to the collection and transfer of your personal information to locations outside of your local country, as described in this Notice.

2.5 Service providers

We may employ third party companies and individuals to facilitate the Service (e.g., customer support, claims adjustment, analytics, audit, application or database hosting, fulfillment, development, customer experience surveys, etc.). These third parties have limited access to your information only to perform these tasks on Our behalf and are obligated to Us. We do not authorize such third parties to disclose or use it for other purposes. Our service providers are located within and outside of the United States of America. You consent to the transfer of information to service providers located in other jurisdictions that may not provide the same level of legal data protection as the country from which you access and use the Service.

2.6 Compliance with legal process and other disclosures

We may disclose your personal information, as required by law, such as to comply with a subpoena, or similar legal process; when We believe in good faith that disclosure is necessary to protect Our rights or enforce Our Terms of Service, protect your safety or the safety of others, investigate fraud, or respond to a government request; to any other third party with your prior consent to do so. We may also disclose your personal information, usage information, and other information about you to parties acquiring part or all of Our assets, as well as to attorneys and consultants. Also, if any bankruptcy or reorganization proceeding is brought by or against Us, your information may be considered a company asset that may be sold or transferred to third parties.

2.7 Data processing outside of your country

Information systems that support the Service and store information collected through the Service are located in the United States of America (“USA”). If you are located outside the USA, please note that the information you provide may be transferred to the USA. By creating an account or using the Service and submitting Personal Information to Us, you consent to such transfers and the processing by Us and Our affiliates and business partners of information as described in this Notice.

3 Your Choices 

3.1 Access, correct, delete or limit use of your personal information and Closing your account

You may (1) request access to, rectification of, cancellation of or opposition of, or limit the use and disclosure, where required by applicable law, of your personal information controlled by Us or (2) cancel your service contract. You can request access to your personal information held by Us through Our customer support center or by sending a written request to us at the address provided in the “Contact Us” section of this Notice. If you cancel your service contract(s), your information will generally be available for 60-90 days after the date of your last claim . You may cancel your service contract by contacting customer support who will guide you through the account closure process. 

If you think that any personal information We have collected about you is inaccurate, or if you would like to limit the use and disclosure of such information, you may send a reasonable written request for review to Us at the address provided below in the “Contact Us” section of this Notice. We will investigate your request and make appropriate changes or deletions if warranted. We will respond to any reasonable requests for access to personal information in 30 days or as permitted under applicable law.

In certain situations and subject to applicable laws, including data protection laws, We may not be able to provide access to all of the personal information that We hold about you. For example, We may not provide access to information if doing so:

  • would likely reveal personal information about a third party;
  • could reasonably be expected to threaten the life or security of another individual;
  • would reveal Our or third party confidential information;
  • includes information that is protected by solicitor or attorney client privilege; or
  • includes information that was processed in relation to the investigation of a breach of an agreement or a contravention of a law.

In order to safeguard your personal information from unauthorized access, We may ask that you provide sufficient information to identify yourself prior to providing access to your personal information.

Depending on the circumstances and applicable laws, We may refuse to process certain access requests.

3.2 Data retention

We retain personal information you provide while your service contract is active or as needed to provide the Service. We may retain your personal information even after you have closed your account if retention is reasonably necessary to comply with Our legal obligations, meet regulatory requirements, resolve disputes, prevent fraud and abuse, or enforce this Privacy Notice and Our Terms of Service . We may retain personal information, for a limited period of time, if requested by law enforcement.

4. Important Information

4.1 Minimum age

We do not knowingly collect personal information from anyone under the age of 13 or such equivalent minimum age in the relevant jurisdiction. You must be at least 13 years of age, or the equivalent minimum age in the relevant jurisdiction, to use the Service.

4.2 Changes to this Privacy Notice

We may update this Notice from time to time. If We make any material changes to Our Notice, We will notify you by email or by means of a notice through Our Web Portal, or by other means prior to the change becoming effective, so that you may review the changes before you continue to use the Service. If you object to any changes contained in the Notice, you may cancel your service contract. Continuing to use Our Services after We publish, or communicate with you about, any changes to this Notice means that you are consenting to the changes. As We may make changes to this Notice, We suggest that you review this Notice each time you access and use the Service. Please review changes carefully. If you agree to the changes, simply continue to use the Service. If you object to any of the changes to Our terms and you no longer wish to use Our Service, you may cancel your service contract(s) as described in Section 3.1. Unless stated otherwise, Our current Notice applies to all information that We have about you and your account. Using Our Services after a notice of changes has been communicated to you or published on Our Service shall constitute consent to the changed terms or practices. If any changes are made to this Privacy Notice, We will revise the Effective Date that is indicated on the Privacy Notice.

4.3 Security Procedures

We have measures in place to restrict access to information to those employees and individuals whom We know have a valid business purpose to have access to such data. We maintain physical, electronic and procedural safeguards. We follow generally accepted standards designed to protect the personal information submitted to Us, both during transmission and once we receive it. We require those who provide services for Us and to whom We provide information collected through the Service to keep such information safeguarded and confidential. However, no method of transmission over the Internet or method of electronic storage is totally secure. Therefore, We cannot guarantee its absolute security.

4.4 Contact Us

We welcome your questions or comments regarding this Privacy Notice. Please write to Us at 350 Ave. Carlos Chardón, Torre Chardón Suite 1101, San Juan, PR 00918. You may also write to Assurant Privacy Office, 260 Interstate North Circle SE, Atlanta, Georgia 30339, USA or e-mail Us your questions at

Effective date: October 18, 2019