Last Updated: March 27, 2014
l This website (“the Site’) by means of the software applications made available by us for use on
or through computers and mobile devices (the “Apps”), through our social media pages and
related Apps linked at:http://www.aig.com/social-media_3171_442101.html (our “Social Media
Pages”) (collectively, including the Site, the Apps and our Social Media Pages, referred to as
the “AIG On-line Services”); and
l Other means (for example, from your application and claim forms, telephone calls, e-mails and
other communications with us, as well as from claim investigators, medical professionals,
witnesses or other third parties involved in our business dealings with you).
For information about our "AIG Careers Site Policy," please click here.
1. Who To Contact About Your Personal Information
You may contact us through the “Contact Us” hyperlink within this site.
For questions relating to: an AIG variable annuity, please call 1-800-445-7862; a fixed, index, immediate or deferred income annuity, 1-800-424-4990; an older “SunAmerica” fixed annuity, call 1-888-333-2349; or an Ovation variable annuity, call 1-800-255-8402.
2. Personal Information That We Collect
Depending on your relationship with us (for example, as a consumer policyholder; insured person benefiting under another policyholder’s policy, or claimant; witness; commercial broker or appointed representative; or other person relating to our business), Personal Information collected about you and your dependents may include:
l General identification and contact information
Your name; address; e-mail and telephone details; gender; marital status; family status; date of
birth; passwords on our systems; educational background; physical attributes; activity records,
such as driving records; photos; employment history, skills and experience; professional licenses
and affiliations; relationship to the policyholder, insured or claimant; and date and cause of death,
injury or disability.
l Identification numbers issued by government bodies or agencies
Social Security or national insurance number; passport number; tax identification number;
military identification number; or driver’s or other license number.
l Financial information and account details
Payment card number; bank account number and account details; credit history and credit
score; assets; income; and other financial information.
l Medical condition and health status
Current or former physical or mental or medical condition; health status; injury or disability
information; medical procedures performed; personal habits (for example, smoking or
consumption of alcohol); prescription information; and medical history (if applicable).
l Other sensitive information
In certain cases, we may receive sensitive information about you for example, if you apply for
insurance through a third party that is a professional, trade, political, religious or community
organization. In addition, we may obtain information about your criminal record or civil litigation
history in the process of preventing, detecting and investigating fraud. We may also obtain
sensitive information if you voluntarily provide it to us (for example, if you express preferences
regarding medical treatment based on your religious beliefs).
l Telephone recordings
Recordings of telephone calls to our representatives and call centers.
l Information to investigate or prevent crime, including fraud and money laundering
For example, insurers commonly share information about their previous dealings with
policyholders and claimants for this purpose.
l Information enabling us to provide products and services
Age categories of individuals you wish to insure; policy and claim numbers; coverage details;
cause of loss; prior accident or loss history; your status as director or partner, or other
ownership or management interest in an organization; and other insurance you hold.
l Marketing preferences and customer feedback
You may let us know your marketing preferences, enter a contest or prize draw or other sales
promotion, or respond to a voluntary customer satisfaction survey.
l Social media account and information from Apps
We may receive certain Personal Information about you when you use our Apps or Social Media
Pages, including your social media account ID and profile picture. If you elect to connect any of
your other social media accounts to your account(s) on the AIG On-line Services, Personal
Information from your other social media account(s) will be shared with us, which may include
Personal Information that is part of you profile relating to those accounts or your friends’ profiles.
3. How We Use Personal Information
We use this Personal Information:
l Communicate with you and others as part of our business.
l Send you important information regarding changes to our policies, other terms and conditions,
our AIG On-line Services and other administrative information.
l Make decisions about whether to provide insurance and assistance services, and other products
and services which we offer, and provide such products and services, including claim
assessment, processing and settlement; and, where applicable, manage claim disputes.
l Assess your eligibility for payment plans, and process your premium and other payments.
l Provide improved quality, training and security (for example, with respect to recorded or
monitored phone calls to our contact numbers).
l Prevent, detect and investigate crime, including fraud and money laundering, and analyze and
manage other commercial risks.
l Carry out market research and analysis, including satisfaction surveys.
l Provide marketing information to you (including information about other products and services
offered by selected third-party partners) in accordance with preferences you have expressed.
l Personalize your experience when using our AIG On-line Services by presenting information
and advertisements tailored to you.
l Identify you to anyone to whom you send messages through any of the AIG On-line Services.
l Allow you to participate in contests, prize draws and similar promotions, and to administer these
activities. Some of these activities have additional terms and conditions, which could contain
additional information about how we use and disclose your Personal Information, so we suggest
that you read these carefully.
l Facilitate social sharing functionality.
l Manage our infrastructure and business operations, and comply with internal policies and
procedures, including those relating to auditing; finance and accounting; billing and collections;
IT systems; data and website hosting; business continuity; and records, document and print
l Resolve complaints, and handle requests for data access or correction.
l Comply with applicable laws and regulatory obligations (including laws outside your country of
residence), such as those relating to anti-money laundering, sanctions and anti-terrorism;
comply with legal process; and respond to requests from public and governmental authorities
(including those outside your country of residence).
l Establish and defend legal rights; protect our operations or those of any of our group companies
or business partners, our rights, privacy, safety or property, and/or that of our group companies,
you or others; and pursue available remedies or limit our damages.
4. International Transfer of Personal Information
5. Sharing of Personal Information
AIG may make Personal Information available to:
l Our group companies
Other AIG group companies may have access to and use of Personal Information in connection
with the conduct of our business where appropriate.
l Other insurance and distribution parties
In the course of marketing and providing insurance and processing claims, AIG may make
Personal Information available to third parties such as other insurers; reinsurers; insurance and
reinsurance brokers and other intermediaries and agents; appointed representatives; distributors;
affinity marketing partners; and financial institutions, securities firms and other business partners.
l Our service providers
External third-party service providers, such as medical professionals, accountants, actuaries,
auditors, experts, lawyers and other outside professional advisors; call center service providers;
IT systems, support and hosting service providers; printing, advertising, marketing and market
research and analysis service providers; banks and financial institutions that service our
accounts; third-party claim administrators; document and records management providers; claim
investigators and adjusters; examiners; jury consultants; translators; and similar third-party
vendors and outsourced service providers that assist us in carrying out business activities.
l Recipients of your social sharing activity
Your friends associated with your social media account(s), other website users and your social
media account provider(s), in connection with your social sharing activity, such as if you connect
another social media account to your AIG On-line Services account or log into your AIG On-line
Services account from another social media account. By connecting your AIG On-line Services
account and your other social media account you authorize us to share information with your
social media account provider and you understand that the use of the information we share will
Information shared with other users or with your other social media account provider(s), please
do not connect other social media accounts with your AIG On-line Services account and do not
participate in social sharing using our AIG On-line Services.
l Governmental authorities and third parties involved in court action
AIG may also share Personal Information with governmental or other public authorities (including,
but not limited to, workers’ compensation boards, courts, law enforcement, tax authorities and
criminal investigations agencies); and third-party civil legal process participants and their
accountants, auditors, lawyers and other advisors and representatives as we believe to be
necessary or appropriate: (a) to comply with applicable law, including laws outside your country
of residence; (b) to comply with legal process; (c) to respond to requests from public and
government authorities including public and government authorities outside your country of
residence; (d) to enforce our terms and conditions; (e) to protect our operations or those of any
of our group companies; (f) to protect our rights, privacy, safety or property, and/or that of our
group companies, you or others; and (g) to allow us to pursue available remedies or limit our
l Other Third Parties
We may share Personal Information with payees; emergency providers (fire, police and medical
emergency services); retailers; medical networks, organizations and providers; credit bureaus;
credit reporting agencies; and other people involved in an incident that is the subject of a claim;
as well as purchasers and prospective purchasers or other parties in any actual or proposed
reorganization, merger, sale, joint venture, assignment, transfer or other transaction relating to
all or any portion of our business, assets or stock.
Personal Information may also be shared by you, on message boards, chat, profile pages and blogs, and other services to which you are able to post information and materials (including, without limitation, our Social Media Pages and Apps). Please note that any information you post or disclose through these services will become public information, and may be available to visitors who access the AIG On-line Services and to the general public. We urge you to be very careful when deciding to disclose your Personal Information, or any other information, on the AIG On-line Services.
AIG will take appropriate technical, physical, legal and organizational measures, which are consistent with applicable privacy and data security laws. Unfortunately, no data transmission over the Internet or data storage system can be guaranteed to be 100% secure. If you have reason to believe that your interaction with us is no longer secure (for example, if you feel that the security of any Personal Information you might have with us has been compromised), please immediately notify us. (See the “ Who to Contact About Your Personal Information ” section above.)
When AIG provides Personal Information to a service provider, the service provider will be selected carefully and required to use appropriate measures to protect the confidentiality and security of the Personal Information.
If we believe the security of your Personal Information in our possession or control may have been compromised, we may seek to notify you of that development. If a notification is appropriate, we would endeavor to do so as promptly as possible under the circumstances, and, to the extent we have your e-mail address, we may notify you by e-mail.
7. Personal Information of Other Individuals
8. Social Security Numbers
It is AIG’s policy to protect customer and employee Social Security Numbers that we collect in the course of our business as confidential. This includes maintaining physical and electronic security procedures to guard against unauthorized access to Social Security Numbers. We also limit access to Social Security Numbers, by among other means, only granting access to Social Security Numbers to our employees who use that information to perform their job-related duties. In addition, we do not disclose Social Security Numbers to third parties, except where required or permitted by law.
9. Questions and Concerns
Please contact us as set out in the “ Who to Contact About Your Personal Information ” section above with any such requests or if you have any questions or concerns about how we process Personal Information.
10. Other Information We Collect Through our AIG On-line Services
“Other Information” is any information that does not reveal your specific identity, such as:
l Browser and device information;
l App usage data;
l Information collected through cookies, pixel tags and other technologies;
l Demographic information and other information provided by you; and
l Aggregated information
How We Collect Other Information
We and our third-party service providers may collect Other Information in a variety of ways, including:
l Through your browser or device: Certain information is collected by most websites or
automatically through your device, such as your IP address (i.e., your computer’s address on
the internet), screen resolution, operating system type (Windows or Mac) and version, device
manufacturer and model, language, internet browser type and version, time of the visit, page(s)
visited and the name and version of the AIG On-line Services (such as the App) you are using.
We use this information to ensure that the AIG On-line Services function properly.
l Through your use of the App: When you download and use the App, we and our service
providers may track and collect App usage data, such as the date and time the App on your
device accesses our servers and what information and files have been downloaded to the App
based on your device number.
l Using cookies: Cookies are pieces of information stored directly on the computer you are using.
Cookies allow us to recognize your computer and to collect information such as internet browser
type, time spent on the AIG On-line Services, pages visited, language preferences, country
website preference. We may use the information for security purposes, to facilitate navigation,
to display information more effectively, to personalize your experience while using the AIG
On-line Services, or to gather statistical information about the usage of the AIG On-line Services.
Cookies further allow us to present to you the advertisements or offers that are most likely to
You can refuse to accept cookies we use by adjusting your browser settings. However, if you do
not accept these cookies, you may experience some inconvenience in your use of the Site and
some online products.
l Using pixel tags, web beacons, clear GIFs or other similar technologies: These may be
used in connection with some AIG On-line Services and HTML-formatted e-mail messages to,
among other things, track the actions of users of the AIG On-line Services and e-mail recipients,
measure the success of our marketing campaigns and compile statistics about usage of the AIG
On-line Services and response rates.
help us understand more about how our website is used by consumers so we can continue to
improve it. Adobe does not have the right to use the information we provide to them beyond what
is necessary to assist us. For more information on Adobe SiteCatalyst HBX, go to
l Using your Physical Location: We may collect the physical location of your device by, for
example, using satellite, cell phone tower or WiFi signals. We may use your device’s physical
location to provide you with personalized location-based services and content. We may also
share your device’s physical location, combined with information about what advertisements you
viewed and other information we collect, with our marketing partners to enable them to provide
you with more personalized content and to study the effectiveness of advertising campaigns. In
some instances, you may be permitted to allow or deny such uses and/or sharing of your
device’s location, but if you choose to deny such uses and/or sharing, we and/or our marketing
partners may not be able to provide you with the applicable personalized services and content.
l Using information provided by you: Some information (for example, your location or preferred
means of communication) is collected when you voluntarily provide it. Unless combined with
Personal Information, this information does not personally identify you.
l By aggregating information: We may aggregate and use certain information (for example, we
may aggregate information to calculate the percentage of our users who have a particular
telephone area code).
Please note that we may use and disclose Other Information for any purpose, except where we are required to do otherwise under applicable law. If we are required to treat Other Information as Personal Information under applicable law, then, in addition to the uses listed in the “ Other Information We Collect ” section above, we may use and disclose Other Information for all the purposes for which we use and disclose Personal Information.
11. Third Party Privacy Practices
Please note that we are not responsible for the collection, usage and disclosure policies and practices (including the data security practices) of other organizations, such as Facebook, Apple, Google, Microsoft, RIM or any other software application developer or provider, social media platform, operating system or wireless service provider, or device manufacturer, including any Personal Information you disclose to other organizations through or in connection with the Apps or our Social Media Pages.
12. Use of Services by Minors
The AIG On-line Services are not directed to individuals under the age of eighteen (18), and we request that these individuals do not provide Personal Information through the AIG On-line Services.