Last Updated December 23, 2019
The Online Channels may provide links to other third-party websites and features, or contain third-party cookies, that are not owned or controlled by the GE Group. Please review the privacy policies of these third parties to familiarize yourself with their practices. You may also exercise your choices regarding third-party cookies using our Cookie Consent Tool by clicking on “Cookies” at the bottom of the page for the GE Business you are interested in managing cookie preferences for.
Personal Information We Obtain
We may obtain personal information through the Channels. The types of personal information we may obtain include:
- contact information (such as name, phone and fax number, email and postal address) for you or for others (e.g., principals in your business);
- information used to create your online account (such as username, password and security question and answer);
- biographical and demographic information (such as date of birth, age, gender, job title/position, marital status and dependent, spousal and other family information);
- purchase and customer service history;
- financial information (such as payment information, including name, billing address and payment card details (i.e., card number, expiration date and security code); bank account information; financial statements; income; and credit score);
- location data (such as data derived from your IP address, country and zip code) and the precise geolocation of your mobile device where we have provided notice and choice, as appropriate;
- audio, electronic, or visual information;
- contact information you provide about friends or other people you would like us to contact;
- inferences about you, including about your preferences;
- other personal information contained in content you submit to us (such as through our “Contact Us” options as shown below).
In addition, in connection with our insurance and financial services products, we may obtain government-issued ID numbers and Tax ID numbers, such as US Social Security numbers.
Please note that providing personal information to us is voluntary on your part. If you choose not to provide us certain information, we may not be able to offer you certain products and services, and you may not be able to access certain features of the Online Channels.
Cookies and Similar Technologies
Cookies contain small amounts of information which are downloaded to your device when you visit our website. Cookies are sent back to our website to allow us to recognize your device.
Essential Cookies allow us to recognize your device to help you navigate efficiently to obtain the information and services you have requested.
Analytical and Customization Cookies allow our site to remember your preferences such as language selection, and help you to view information that is most relevant to your interests; these cookies also help us to maintain and improve our websites by providing information on how visitors find and use the sites, and how well the sites are performing.
Advertising Cookies may be used in some cases to make advertising messages more relevant to you.
Unless you disable the cookies on our website, by using our website you agree to our use of those cookies.
Making Cookie Choices
You may see the list of GE and selected partner cookies on our website and make choices about those cookies by visiting our Cookie Consent Tool, by clicking on “Cookies” at the bottom of the page for the GE Business you are interested in managing cookie preferences for. In addition to our Cookie Consent Tool, most browsers allow you to manage cookie preferences, If you decide to disable cookies on our site, you may not be able to take full advantage of all our website features once you have done so. Except for cookies that are essential to the operation of this website (Essential Cookies), you may make choices about the cookies on this website. Please note that if you choose to manage cookies on our websites, the Tool will place a cookie on your device to allow your choices to be honored.
To enhance your experience on our websites, we sometimes embed content and sharing tools from other third-party sites, such as “like” buttons from social networking sites; these third-party sites may also place and access cookies on your device. GE does not control the placement or access of these third-party cookies. The third parties can be found in our Cookie Consent Tool. Please review the privacy policies of these third parties to familiarize yourself with their practices. You may exercise choices regarding third party cookies using our Cookie Consent Tool, by clicking on “Cookies” at the bottom of the page for the GE Business you are interested in managing cookie preferences for.
How We Use Personal Information
We may use the personal information we obtain to:
- provide and administer our products and services;
- process and fulfill orders and keep you informed about the status of your order;
- communicate about and administer our products, services, events, programs and promotions (such as by sending alerts, promotional materials, newsletters and other marketing communications);
- conduct and facilitate surveys, sweepstakes, contests, focus groups and market research initiatives;
- perform data analytics (such as market research, trend analysis, financial analysis and customer segmentation);
- engage in ad retargeting and evaluate the effectiveness of our marketing efforts (including through our participation in ad networks);
- provide customer support;
- process, evaluate and respond to requests, inquiries and applications;
- create, administer and communicate with you about your account (including any purchases and payments);
- administer and register participants in our courses;
- provide investor services;
- conduct marketing and sales activities (including generating leads, pursuing marketing prospects, performing market research, determining and managing the effectiveness of our advertising and marketing campaigns and managing our brand);
- operate, evaluate and improve our business (such as by administering, enhancing and improving our products and services; developing new products, services and Online Channels; managing our communications and customer relationships; and performing accounting, auditing, billing, reconciliation and collection activities);
- verify your identity and protect against and prevent fraud and other unlawful activity, unauthorized transactions, claims and other liabilities, and manage risk exposure and quality;
- maintain and enhance the safety and security of our products, services, Online Channels, network services, information resources and employees.
We may combine personal information we obtain through Online Channels with information we obtain through Offline Channels, as well as other information, for the purposes described above. We may anonymize or aggregate personal information and use it for the purposes described above and for other purposes to the extent permitted by applicable law. We also may use personal information for additional purposes that we identify at the time of collection. We will obtain your consent for these additional uses to the extent required by applicable law.
Where required by applicable law, we will obtain your consent for the processing of your personal information for direct marketing purposes. The legal basis for GE processing your personal information as described above will typically be one of the following:
- Performance of a contract with you or a relevant party;
- Our legitimate business interests; or
- Compliance with our legal obligations.
Personal Information Sharing
We do not sell or otherwise disclose personal information about you except as described here or at the time of collection.
We may share personal information with service providers we have retained to perform services on our behalf (such as payment processing, order fulfillment, customer support and data analytics). These service providers are contractually required to safeguard the information provided to them and are restricted from using or disclosing such information except as necessary to perform services on our behalf or to comply with legal requirements.
We may disclose personal information about you (1) if we are required or permitted to do so by applicable law or legal process (such as a court order or subpoena), (2) to law enforcement authorities or other government officials to comply with a legitimate legal request, (3) when we believe disclosure is necessary to prevent physical harm or financial loss, (4) to establish, exercise or defend our legal rights, (5) in connection with an investigation of suspected or actual fraud or illegal activity or (6) otherwise with your consent.
We reserve the right to transfer to relevant third-parties any information we have about you in the event of a potential or actual sale or transfer of all or a portion of our business or assets (including in the event of a merger, acquisition, joint venture, reorganization, divestiture, dissolution or liquidation) or other business combination. In such case, we will require the relevant third parties to provide comparable levels of protection as the GE Group provides with respect to the information we share.
For more information, please see the “Individual Rights” section of our Binding Corporate Rules. To help protect your privacy and maintain security, we may take steps to verify your identity before granting you access to the information. To the extent permitted by applicable law, a charge may apply before we provide you with a copy of any of your personal information that we maintain. Depending on your location, you may have the right to file a complaint with a government regulator if you are not satisfied with our response. GE endeavors to respond to complaints within thirty days of receipt.
How We Protect Personal Information
Additional Information & Jurisdiction Specific Notices
Children’s Personal Information
How to Contact Us
Attn: Chief Compliance Officer Electric Insurance Company
75 Sam Fonzo Drive
Beverly, MA 01915
If you have an unresolved privacy or data use concern that we have not addressed satisfactorily, please contact our U.S.-based third-party dispute resolution provider (free of charge) at https://feedback-form.truste.com/watchdog/request.