Last Updated: March 22, 2019
Insurance Services Office, Inc. (“ISO”) respects your concerns about privacy. ISO participates in the EU-U.S. and Swiss-U.S. Privacy Shield (“Privacy Shield”) framework issued by the U.S. Department of Commerce. ISO commits to comply with the Privacy Shield Principles with respect to Consumer Personal Data the company receives from the EU, United Kingdom, and Switzerland in reliance on the Privacy Shield. This Policy describes how ISO implements the Privacy Shield Principles for Consumer Personal Data.
For purposes of this Policy:
“Consumer” means any natural person who is located in the EU, United Kingdom, or Switzerland, but excludes any individual acting in his or her capacity as an Employee.
“Controller” means a person or organization which, alone or jointly with others, determines the purposes and means of the processing of Personal Data.
“Customer” means any entity that purchases or otherwise obtains products or services from ISO.
“Employee” means any current, former or prospective employee of ISO, or any of its European affiliates, who is located in the EU, United Kingdom, and Switzerland.
“EU” means the European Union and Iceland, Liechtenstein and Norway.
“Personal Data” means any information, including Sensitive Data, that is (i) about an identified or identifiable individual, (ii) received by ISO in the U.S. from the EU, United Kingdom, or Switzerland, and (iii) recorded in any form.
“Privacy Shield Principles” means the Principles and Supplemental Principles of the EU-U.S. and Swiss U.S. Privacy Shield frameworks.
“Processor” means any natural or legal person, public authority, agency or other body that processes Personal Data on behalf of a Controller.
“Sensitive Data” means Personal Data specifying medical or health conditions, racial or ethnic origin, political opinions, religious or philosophical beliefs, trade union membership, sex life, the commission or alleged commission of any offense, any proceedings for any offense committed or alleged to have been committed by the individual or the disposal of such proceedings, or the sentence of any court in such proceedings.
“Swiss” means Switzerland.
“UK” means United Kingdom.
ISO’s EU-U.S. Privacy Shield certification can be found at https://www.privacyshield.gov/. For more information about ISO’s processing of Personal Data obtained from Consumers on its website, please visit ISO’s Online Privacy Notice.
Types of Personal Data ISO Collects
ISO collects Personal Data directly from Consumers. This collection occurs, for example, when a Consumer visits ISO’s website and provides Personal Data to ISO. Click here for information on the types of Personal Data ISO receives through its website. In addition, ISO obtains Consumer Personal Data, such as contact information, in connection with maintaining its Customer relationships and providing its products and services to Customers. ISO also obtains Personal Data, such as contact information, of its vendors’ representatives. ISO uses this information to manage its relationships with its vendors.
As a Processor, ISO receives Personal Data about its Customers’ Consumers located in the EU, United Kingdom, and Switzerland. ISO’s Customers provide the Personal Data to ISO in connection with ISO’s provision of services to its Customers. In this capacity, ISO acts pursuant to its Customers’ instructions. The types of Personal Data ISO’s Customers provide includes information such as names, postal addresses, email addresses, phone numbers, dates of birth, gender, policy numbers, Social Security numbers, and government or other national identification numbers, and health information. ISO processes Consumer Personal Data in the U.S. to provide services such as technology support (including backup storage, system support and application development).
ISO’s privacy practices regarding the processing of Consumer Personal Data comply, as appropriate, with the Privacy Shield Principles of Notice; Choice; Accountability for Onward Transfer; Security; Data Integrity and Purpose Limitation; Access; and Recourse, Enforcement and Liability.
ISO provides information in this Policy and the company’s Online Privacy Notice about its Consumer Personal Data practices, including the types of Personal Data ISO collects, the types of third parties to which ISO discloses the Personal Data and the purposes for doing so, the rights and choices Consumers have for limiting the use and disclosure of their Personal Data, and how to contact ISO about its practices concerning Personal Data.
When ISO acts as a Processor and Consumer Personal Data is transferred to ISO in the U.S. on behalf of a Customer, the Customer is responsible for providing appropriate notice to its Consumers and obtaining the requisite consent.
Privacy notices pertaining to specific data processing activities also may contain relevant information.
When ISO collects Personal Data directly from Consumers, the company generally offers those Consumers the opportunity to choose whether their Personal Data may be
(i) disclosed to third-party Controllers, or (ii) used for a purpose that is materially different from the purposes for which the information was originally collected or subsequently authorized by the relevant Consumer. To the extent required by the Privacy Shield Principles, ISO obtains opt-in consent for certain uses and disclosures of Sensitive Data. Consumers may contact ISO as indicated below regarding the company’s use or disclosure of their Personal Data. Unless ISO offers Consumers an appropriate choice, the company uses Personal Data only for purposes that are materially the same as those indicated in this Policy or the company’s Online Privacy Notice.
When ISO maintains Personal Data about Consumers with whom ISO does not have a direct relationship because ISO obtained or maintains the Consumers’ data as a Processor, ISO’s Customers are responsible for providing the relevant Consumers with certain choices with respect to the Customers’ use or disclosure of the Consumers’ Personal Data.
ISO shares Consumer Personal Data with its affiliates and subsidiaries. ISO may disclose Consumer Personal Data without offering an opportunity to opt out, and may be required to disclose the Personal Data, (i) to third-party Processors the company has retained to perform services on its behalf and pursuant to its instructions, (ii) if it is required to do so by law or legal process, or (iii) in response to lawful requests from public authorities, including to meet national security, public interest or law enforcement requirements. ISO also reserves the right to transfer Personal Data in the event of an audit or if the company sells or transfers all or a portion of its business or assets (including in the event of a merger, acquisition, joint venture, reorganization, dissolution or liquidation).
Accountability for Onward Transfer of Personal Data
This Policy and ISO’s Online Privacy Notice at http://www.verisk.com/iso/privacy-trademarks-use/verisk-online-privacy-notice.html describes ISO’s sharing of Consumer Personal Data.
To the extent ISO acts as a Controller, except as permitted or required by applicable law, ISO provides Consumers with an opportunity to opt out of sharing their Personal Data with third-party Controllers. ISO requires third-party Controllers to whom it discloses Consumer Personal Data to contractually agree to (i) only process the Personal Data for limited and specified purposes consistent with the consent provided by the relevant Consumer, (ii) provide the same level of protection for Personal Data as is required by the Privacy Shield Principles, and (iii) notify ISO and cease processing Personal Data (or take other reasonable and appropriate remedial steps) if the third-party Controller determines that it cannot meet its obligation to provide the same level of protection for Personal Data as is required by the Privacy Shield Principles.
With respect to transfers of Consumer Personal Data to third-party Processors, ISO (i) enters into a contract with each relevant Processor, (ii) transfers Personal Data to each such Processor only for limited and specified purposes, (iii) ascertains that the Processor is obligated to provide the Personal Data with at least the same level of privacy protection as is required by the Privacy Shield Principles, (iv) takes reasonable and appropriate steps to ensure that the Processor effectively processes the Personal Data in a manner consistent with ISO’s obligations under the Privacy Shield Principles, (v) requires the Processor to notify ISO if the Processor determines that it can no longer meet its obligation to provide the same level of protection as is required by the Privacy Shield Principles, (vi) upon notice, including under (v) above, takes reasonable and appropriate steps to stop and remediate unauthorized processing of the Personal Data by the Processor, and (vii) provides a summary or representative copy of the relevant privacy provisions of the Processor contract to the Department of Commerce, upon request. ISO remains liable under the Privacy Shield Principles if the company’s third-party Processor onward transfer recipients process relevant Personal Data in a manner inconsistent with the Privacy Shield Principles, unless ISO proves that it is not responsible for the event giving rise to the damage.
ISO takes reasonable and appropriate measures to protect Consumer Personal Data from loss, misuse and unauthorized access, disclosure, alteration and destruction, taking into account the risks involved in the processing and the nature of the Personal Data.
Data Integrity and Purpose Limitation
ISO limits the Consumer Personal Data it processes to that which is relevant for the purposes of the particular processing. ISO does not process Consumer Personal Data in ways that are incompatible with the purposes for which the information was collected or subsequently authorized by the relevant Consumer. In addition, to the extent necessary for these purposes and consistent with its role as a Controller or Processor, ISO takes reasonable steps to ensure that the Personal Data the company processes is (i) reliable for its intended use, and (ii) accurate, complete and current. In this regard, ISO relies on its Consumers and Customers (with respect to Personal Data of Consumers with whom ISO does not have a direct relationship) to update and correct the relevant Personal Data to the extent necessary for the purposes for which the information was collected or subsequently authorized. Consumers (and Customers, as appropriate) may contact ISO as indicated below to request that ISO update or correct relevant Personal Data.
Subject to applicable law, ISO retains Consumer Personal Data in a form that identifies or renders identifiable the relevant Consumer only for as long as it serves a purpose that is compatible with the purposes for which the Personal Data was collected or subsequently authorized by the Consumer or Customer, as appropriate.
Consumers generally have the right to access their Personal Data. Accordingly, to the extent ISO acts as a Controller, where appropriate, ISO provides Consumers with reasonable access to the Personal Data ISO maintains about them. ISO also provides a reasonable opportunity for those Consumers to correct, amend or delete the information where it is inaccurate or has been processed in violation of the Privacy Shield Principles, as appropriate. ISO may limit or deny access to Personal Data where the burden or expense of providing access would be disproportionate to the risks to the Consumer’s privacy in the case in question, or where the rights of persons other than the Consumer would be violated. Consumers may request access to their Personal Data by contacting ISO as indicated below.
When ISO maintains Personal Data about Consumers with whom ISO does not have a direct relationship because ISO maintains the Consumers’ data as a Processor for its Customers, ISO’s Customers are responsible for providing Consumers with access to the Personal Data and the right to correct, amend or delete the information where it is inaccurate or has been processed in violation of the Privacy Shield Principles, as appropriate. In such circumstances, Consumers should direct their questions to the appropriate ISO Customer. When a Consumer is unable to contact the appropriate Customer, or does not obtain a response from the Customer, ISO will provide reasonable assistance in forwarding the Consumer’s request to the Customer.
Recourse, Enforcement and Liability
In compliance with the Privacy Shield Principles, ISO commits to resolve complaints about our collection or use of your personal information. EU, UK, and Swiss individuals with inquiries or complaints regarding our Privacy Shield policy should first contact ISO at: firstname.lastname@example.org.
ISO has further committed to cooperate with the panel established by the EU data protection authorities (DPAs) and the Swiss Federal Data Protection and Information Commissioner (FDPIC) with regard to unresolved Privacy Shield complaints concerning human resources data transferred from the EU, United Kingdom, and Switzerland in the context of the employment relationship.
ISO has mechanisms in place designed to help assure compliance with the Privacy Shield Principles. ISO conducts an annual self-assessment of its Consumer Personal Data practices to verify that the attestations and assertions the company makes about its Privacy Shield privacy practices are true and that the company’s privacy practices have been implemented as represented and in accordance with the Privacy Shield Principles.
Consumers may file a complaint concerning ISO’s processing of their Personal Data. ISO will take steps to remedy issues arising out of its alleged failure to comply with the Privacy Shield Principles. Consumers may contact ISO as specified below about complaints regarding the company’s Consumer Personal Data practices.
If a Consumer’s complaint cannot be resolved through ISO's internal processes, ISO will cooperate with JAMS pursuant to the JAMS International Mediation Rules, available on the JAMS website at https://www.jamsadr.com/eu-us-privacy-shield. JAMS mediation may be commenced as provided for in the relevant JAMS rules. Following the dispute resolution process, JAMS or the Consumer may refer the matter to the U.S. Federal Trade Commission, which has Privacy Shield investigatory and enforcement powers over ISO. Under certain circumstances, Consumers also may be able to invoke binding arbitration to address complaints about ISO’s compliance with the Privacy Shield Principles.
When ISO maintains Personal Data about Consumers with whom ISO does not have a direct relationship because ISO obtained or maintains the Consumers’ data as a Processor for its Customers, Consumers may submit complaints concerning the processing of their Personal Data to the relevant Customer, in accordance with the Customer’s dispute resolution process. ISO will participate in this process at the request of the Customer or the Consumer.
How to Contact ISO
To contact ISO with questions or concerns about this Policy or ISO’s Consumer Personal Data practices:
Insurance Services Office, Inc.
Attention: Chief Privacy Officer
545 Washington Boulevard
Jersey City, New Jersey 07310-1686