Last updated: October 20, 2017
Insurance Services Office, Inc. (“ISO”) respects your concerns about privacy. This Online Privacy Notice applies to personal information we collect on www.verisk.com (the “Site”). The Online Privacy Notice describes the types of personal information we obtain, how we use the information, with whom we share it, and the choices you can make about our use of the information. We also describe the measures we take to protect the security of the information and how you can contact us about our privacy practices.
Visitors to the Site are subject to important limitations. Please review our Conditions of Use, which govern your visit to this site on the World Wide Web.
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You may choose to provide personal information — including, but not limited to, your first and last name, physical address, e-mail address, or telephone number — through the Sites. Here are ways you may provide the information and the types of information you may submit. We also describe how we may use the information you provide to us.
Information We Obtain
You may contact us by filling in information on forms or by sending an e-mail. Each form varies in the information required and collected. In most cases, an asterisk (*) indicates the required information on a form. You may choose to provide additional information within fields that are not required. You may complete a form or send us an e-mail to purchase a product, request a report, register for a conference, submit a request, respond to an e-mail or blog posting, ask a question, apply for a job, or make a comment. We may use the information provided to respond to your inquiry, contact you about your request, ask a question, provide announcements about products and future events, conduct surveys, consider your application for employment, and contact you for other reasons related to offering and improving our services.
We may offer visitors to our Sites various features, which we may change from time to time. We may ask you to submit certain personal information so we can provide you with those features.
Other Uses of Information
In addition to the uses discussed above, we may also use the personal information you provide on our Sites to operate, evaluate, and improve our business. Specific uses include developing new products and services; managing our communications; performing market research; advertising and marketing; determining the effectiveness of our advertising and marketing; analyzing our products, services, and websites; and administering our websites. We may also use the information to protect against and prevent fraud, claims, and other liabilities and to comply with or enforce applicable legal requirements, industry standards, and our policies and terms. In addition, we may use the information we obtain through the Sites in other ways for which we provide specific notice at the time of collection.
Information We Obtain by Automated Means
When you visit our Sites, we may collect certain information by automated means using technologies such as cookies, non-cookie-based tokens, web server logs, tracking pixels, and web beacons. Cookies are files that websites send to your computer or other Internet-connected device to identify your browser uniquely or to store information or settings in your browser. Your browser may tell you when you receive certain types of cookies and how to restrict or disable certain cookies. Please note, however, that without cookies, you may not be able to use all of the features of our Sites and may not be able to purchase products that use a “shopping cart.” You can order any product by telephone by calling Customer Service at 1-800-888-4476. Non-cookie-based tokens are encoded URL-based identifiers that track e-mail click-thru activity or time-sensitive password reset keys and will work in scenarios where cookies are disabled or a session has not been initiated.
Our web servers may log information such as your operating system type, browser type, domain, and other system settings, as well as the language your system uses and the country and time zone where your device is located. The web server logs may also record information such as the address of the web page that referred you to our Sites and the IP address of the device you use to connect to the Internet. They may also log information about your interaction with the Sites, such as which pages you visit. To control which web servers collect information by automated means, we may place tags called “web beacons” — small files that link web pages to particular web servers and their cookies. We may also collect information from your browser, such as your browsing history, and use it in conjunction with data gathered from forms and e-mails to help us understand and respond to your needs.
To learn how to opt out of Google Analytics, visit: https://tools.google.com/dlpage/gaoptout.
To learn how to opt out of Eloqua web analytics, visit: http://www.eloqua.com/about/privacy/opt_status/.
We use information collected online through cookies, non-cookie-based tokens, web beacons, and other automated means for purposes such as customizing and enhancing our visitors’ visits to the Sites, facilitating use of the Sites, collecting statistics about your visits to the Sites, and understanding the manner in which our visitors browse the Sites. We also use the information to help diagnose technical and service problems, administer the Sites, and identify visitors to the Sites. We use clickstream data to determine how much time visitors spend on web pages of the Sites, how visitors navigate through the Sites, and how we may tailor the Sites to meet the needs of our visitors.
“Do Not Track” Signals
Your browser settings may allow you to transmit a “Do Not Track” signal to websites and online services you visit. Like many other websites and online services, we do not currently process or respond to “Do Not Track” signals from your browser or to other mechanisms that enable choice. Both we and others (such as our service providers) may collect personal information about our visitors’ online activities over time and across third-party websites.
Social Media Widgets
The Sites includes social media functions, such as the Blog, Twitter, LinkedIn, and Facebook widgets. These widgets may collect information about which pages visitors visit on the Sites and the IP address of the device you use to connect to the Internet. The widgets may also set a cookie to ensure the features are functioning properly.
Social media functions and widgets are hosted either by a third party or directly on the Sites. Your interactions with the social media functions and widgets located on the Sites are governed by the privacy policies of the companies that provide them. If you use any of the social media functions or widgets on our Sites, we strongly suggest you review the privacy policies of the companies that provide those functions and features.
For those website visitors that are LinkedIn members and who visit our Sites from LinkedIn, our Sites may use tracking pixels — transparent graphic images placed on web pages — which, in combination with cookies, collect information contained within your LinkedIn profile as well as your access of and interaction with the web pages that contain the pixels. ISO works with LinkedIn to provide Sponsored Updates and advertisements to your LinkedIn news feed. If you complete a form on our Sites you will receive Sponsored InMails in your LinkedIn email account based on your visits to the Sites and your perceived interests. To learn how to opt out of Sponsored InMail, navigate to Privacy & Settings in your LinkedIn account, choose the "Communications" tab, and then click "Turn on/off Partner InMail" to disable Sponsored InMails.
We do not sell or otherwise disclose personal information we collect on our Sites, except as described here. We may share personal information we collect on the Sites with affiliates and service providers that perform services on our behalf. We do not authorize those service providers to use or disclose the information except as necessary to perform services on our behalf or comply with legal requirements. We may share personal information we collect on the Sites with our affiliates, which may use the information for marketing purposes.
In addition, we may disclose personal information about you (a) if we are required to do so by law or legal process (such as court order or subpoena), (b) to law enforcement authorities or other government officials, (c) when we believe disclosure is necessary or appropriate to prevent physical harm or financial loss, or (d) in connection with an investigation of suspected or actual fraudulent or illegal activity. We reserve the right to transfer personal information we have about you in the event we sell or transfer all or a portion of our business or assets (including in the event of a reorganization, dissolution, or liquidation). Should such a sale or transfer occur, we will use reasonable efforts to direct the transferee to use personal information you have provided to us in a manner consistent with our Online Privacy Notice.
We offer you certain choices about how we communicate with you and what information we obtain from you. As required by applicable law, you may withdraw consent you previously provided to us. We will apply your preferences going forward. You may exercise these choices by advising us of your preference by e-mail or contacting us as specified in the “How to Contact Us” section below. You may also, at any time, object — on legitimate grounds and free of charge — to the processing of your personal information.
If you are located in the European Economic Area (“EEA”) or Switzerland, you may direct us not to share your personal information with third parties, except (a) with service providers we have retained to perform services on our behalf, (b) in the event we sell or transfer all or a portion of our business or assets (including in the event of a reorganization, dissolution, or liquidation), (c) if disclosure is required by law or legal process, (d) with law enforcement authorities or other government officials, or (e) when we believe disclosure is necessary or appropriate to prevent physical harm or financial loss or in connection with an investigation of suspected or actual fraud or other illegal activity.
If you are located in the EEA or Switzerland, we use your personal information only for the purposes indicated in this Online Privacy Notice unless we have a legal basis, such as consent, to use it for other purposes. Where required by law, ISO customers obtain your prior opt-in consent at the time of collection for the processing of (a) personal information for marketing purposes and (b) personal information deemed sensitive pursuant to applicable law.
Subject to applicable law, you may have the right to request access to and receive information about the personal information we maintain about you, update and correct inaccuracies in your personal data, and have the information blocked or deleted, as appropriate. The right to access personal information may be limited in some circumstances by local law requirements.
You may contact us by e-mail or as described in the “How to Contact Us” section below to update your preferences, ask us to remove your information from our mailing lists, or submit other requests.
We may transfer the personal information we collect about you to recipients in countries other than the country in which the information originally was collected. Those countries may not have the same data protection laws as the country in which you initially provided the information. When we transfer your information to recipients in other countries (such as the U.S.), we will protect that information as described in this Online Privacy Notice.
We maintain administrative, technical, and physical safeguards designed to protect the personal information you provide against accidental, unlawful, or unauthorized destruction, loss, alteration, access, disclosure, or use.
Through the Sites, you may link to other websites operated by ISO and its affiliates (together, “ISO Sites”). Not all of the ISO Sites use this Online Privacy Notice. Individual ISO Sites may have different Online Privacy Notices that describe their own use and collection practices. To the extent that the Online Privacy Notice of an affiliate is different from the Online Privacy Notice for these Sites, the provisions in the affiliate’s Online Privacy Notice control the practices identified for that ISO Site.
The Sites may provide links to other sites. Companies other than ISO may operate those websites. Linked websites may have their own privacy policies, which we strongly suggest you review if you visit any linked websites. We are not responsible for any use of websites we do not operate, the content of any of those websites, or the privacy practices of those websites.
We may update our Online Privacy Notice periodically and without prior notice to you to reflect changes in our personal information practices or relevant laws. We will post the updated version and indicate at the top of the notice when it was most recently updated.
If you have any questions or comments about this Online Privacy Notice or any issue relating to how we collect, use, or disclose personal information, or if you would like us to update information we have about you or your preferences, please contact us as indicated below.
E-mail us at: email@example.com
Write to us at:
Insurance Services Office, Inc.
Attention: Chief Privacy Officer
545 Washington Boulevard
Jersey City, NJ 07310-1686