HCC Insurance Holdings, Inc. and its subsidiaries (collectively, "Tokio Marine HCC," the “Company” or “We”) respect your privacy and are committed to protecting it through our compliance with this policy.

This Website Privacy Policy (the “Policy”) describes the types of information we may collect from you when you visit the website tmhcc.com (our “Website”) and our practices for collecting, using, maintaining, protecting and disclosing that information.

The Policy applies to information we collect:                       

• on this Website      
• in e-mail, text and other electronic messages between you and this Website; and
• through mobile and desktop applications you download from this Website, which provide dedicated non-browser-based interaction between you and this Website.

The Policy does not apply to information collected by:     

• us offline or through any other means, including on any other website operated by Company or any third party (including our affiliates and subsidiaries); or
• any third party, including through any application or content (including advertising) that may link to or be accessible from or on the Website.

Please read this Policy carefully to understand our policies and practices regarding your information and how we will treat it. If you do not agree with our policies and practices, your choice is not to use our Website. By accessing or using this Website, you agree to the collection and use of information as outlined in this Policy. This Policy may change from time to time (see Changes to our Privacy Policy). Your continued use of this Website after we make changes is deemed to be your acceptance of those changes, so please check the Policy periodically for updates.                                                                     

Children Under the Age of 13

Our Website is not intended for children under 13 years of age. We do not knowingly collect personal information from children under 13. If you are under 13, do not use or provide any information on this Website or on or through any of its features/register on the Website, make any purchases through the Website, use any of the interactive or public comment features of this Website or provide any information about yourself to us, including your name, address, telephone number, e-mail address or any screen name or user name you may use. If we learn we have collected or received personal information from a child under 13 without verification of parental consent, we will delete that information. If you believe we might have any information from or about a child under 13 years of age, please contact us at [email protected]

What Information Do We Collect?     

In order to provide a personalized experience, we collect several types of information from and about users of our Website, including information:

• by which you may be personally identified, such as name, postal address, e-mail address or telephone number (“personal information”);
• that is about you but individually does not identify you; and/or
• about your internet connection, the equipment you use to access our Website and usage details.      

We collect this information:

• directly from you when you provide it to us; and
• automatically as you navigate through the site. Information collected automatically may include usage details, IP addresses and information collected through cookies and other tracking technologies.          

Information You Provide to Us.

The information we collect on or through our Website may include:

• information that you provide by filling in forms on our Website. This includes information provided at the time of registering to use our Website, subscribing to our service, posting material or requesting further services. We may also ask you for information when you enter a contest or promotion sponsored by us, and when you report a problem with our Website.
• records and copies of your correspondence (including e-mail addresses), if you contact us.
• your search queries on the Website.      

You also may provide information to be published or displayed (hereinafter, "posted") on public areas of the Website, or transmitted to other users of the Website or third parties (collectively, "User Contributions"). Your User Contributions are posted on and transmitted to others at your own risk. Additionally, we cannot control the actions of other users of the Website with whom you may choose to share your User Contributions. Therefore, we cannot and do not guarantee that your User Contributions will not be viewed by unauthorized persons.

Usage Details, IP Addresses, Cookies and Other Technologies

As you navigate through and interact with our Website, we may automatically collect certain information about your equipment, browsing actions and patterns, including:

• details of your visits to our Website, including traffic data, location data, logs and other communication data and the resources that you access and use on the Website.
• information about your computer and internet connection, including your IP address, operating system and browser type.

The information we collect automatically is statistical data. It helps us to improve our Website and to deliver a better and more personalized service by enabling us to:

• estimate our audience size and usage patterns.
• store information about your preferences, allowing us to customize our Website according to your individual interests.
• speed up your searches.
• recognize you when you return to our Website.                       

The technologies we use for this automatic data collection may include:

Cookies (or browser cookies). A cookie is a small file placed on the hard drive of your computer. You may refuse to accept browser cookies by activating the appropriate setting on your browser. However, if you select this setting you may be unable to access certain parts of our Website. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you direct your browser to our Website.

Flash Cookies. Certain features of our Website may use local stored objects (or Flash cookies) to collect and store information about your preferences and navigation to, from and on our Website. Flash cookies are not managed by the same browser settings as are used for browser cookies. For information about managing your privacy and security settings for Flash cookies, see Choices about How We Use and Disclose Your Information.

We do not collect personal information automatically, but we may tie this information to personal information about you that we collect from other sources or you provide to us.

Our website currently uses cookies. These cookies allow us to distinguish you from other users of our website, which helps us to provide you with a good experience when you browse our website and also allows us to improve our site. The cookies we use are "analytical" cookies. They allow us to recognise and count the number of visitors and to see how visitors move around the site when they are using it. This helps us to improve the way our website works, for example by ensuring that users are finding what they are looking for easily.

Most web browsers allow some control of most cookies through the browser settings. To find out more about cookies, including how to see what cookies have been set and how to manage and delete them, visit www.allaboutcookies.org.

To opt out of being tracked by Google Analytics across all websites visit http://tools.google.com/dlpage/gaoptout.

How We Use Your Information

We use information that we collect about you or that you provide to us, including any personal information: 

• to present our Website and its contents to you.
• to provide you with information, products or services that you request from us.
• to fulfill any other purpose for which you provide it.
• to provide you with notices about your account/subscription, including expiration and renewal notices.
• to carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing and collection.
• to notify you about changes to our Website or any products or services we offer or provide though it.
• to allow you to participate in interactive features on our Website.
• in any other way we may describe when you provide the information.
• for any other purpose with your consent.

We may also use your information to contact you about our own and third-parties' goods and services that may be of interest to you. If you do not want us to use your information in this way, you can

• reply with “unsubscribe” in the subject line of any email send to you
• email [email protected] with a request to update or amend your information or cease using your information for direct marketing purposes

For more information, see Choices About How We Use and Disclose Your Information.

We may use the information we have collected from you to enable us to display advertisements to our advertisers' target audiences. Even though we do not disclose your personal information for these purposes without your consent, if you click on or otherwise interact with an advertisement, the advertiser may assume that you meet its target criteria.

Disclosure of Your Information

We may disclose aggregated information and statistics about our users without restriction so long as such information and statistics does not contain any personal information.

We may disclose personal information that we collect or you provide as described in this privacy policy:

• to our subsidiaries and affiliates.
• to contractors, service providers and other third parties we use to support our business who are bound an obligation to keep personal information confidential and use it only for the purposes for which we disclose it to them.
• to a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution or other sale or transfer of some or all of the Company's assets, whether as a going concern or as part of bankruptcy, liquidation or similar proceeding, in which personal information held by the Company about our Website users is among the assets transferred.
• to fulfill the purpose for which you provide it. For example, if you give us an e-mail address to use the "e-mail a friend" feature of our Website, we will transmit the contents of that e-mail and your e-mail address to the recipients.
• for any other purpose disclosed by us when you provide the information.
• with your consent.

We may also disclose your personal information:

• to comply with any court order, law or legal process, including to respond to any government or regulatory request.
• to enforce or apply our terms of use Tokio Marine HCC Website Terms of Use and other agreements, including for billing and collection purposes.
• if we believe disclosure is necessary or appropriate to protect the rights, property, or safety of the Company, our customers or others. This includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction.

Choices About How We Use and Disclose Your Information

We strive to provide you with choices regarding the personal information you provide to us. We have created mechanisms to provide you with the following control over your information:

• Tracking Technologies and Advertising. You can set your browser to refuse all or some browser cookies, or to alert you when cookies are being sent. To learn how you can manage your Flash cookie settings, visit the Flash player settings page on Adobe's website. If you disable or refuse cookies, please note that some parts of this site may then be inaccessible or not function properly.
• Promotional Offers from the Company. If you do not wish to have your e-mail address/contact information used by the Company to promote our own or third parties' products or services, you can opt-out by using one of the methods described above in How We Use Your Information.
• Targeted Advertising. If you do not want us to use information that we collect or that you provide to us to deliver advertisements according to our advertisers' target-audience preferences, you can opt-out by using one of the methods described above in How We Use Your Information.

Third Party Websites:

The Website contains links to other sites. We cannot be responsible for the policies and practices of other websites if you access them using links from our Website. We recommend that you check the policy of each site you visit.     

We do not control third parties' collection or use of your information to serve interest-based advertising. However these third parties may provide you with ways to choose not to have your information collected or used in this way. You can opt out of receiving targeted ads from members of the Network Advertising Initiative ("NAI") on the NAI's website.

Accessing and Correcting Your Information:

You may also send us an e-mail at [email protected] to request access to, correct or delete any personal information that you have provided to us. We may not accommodate a request to change information if we believe the change would violate any law or legal requirement or cause the information to be incorrect.

If you delete your User Contributions from the Website, copies of your User Contributions may remain viewable in cached and archived pages, or might have been copied or stored by other Website users. Proper access and use of information provided on the Website, including User Contributions, is governed by our terms of use Tokio Marine HCC Website Terms of Use.

Your California Privacy Rights

California Civil Code Section § 1798.83 permits users of our Website that are California residents to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please send an e-mail to [email protected] or write us at:

Attn: Administration
13403 Northwest Freeway
Houston, TX 77040

Data Security

The Company places great importance on the security of all personal information provided by users. We have implemented measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration and disclosure. All information you provide to us is stored on our secure servers behind firewalls. Any financial information is encrypted using SSL technology. Our security and technology policies are reviewed periodically to ensure they are current and provide adequate protection.

Unfortunately, the transmission of information via the internet is not completely secure. Although we do our best to protect your personal information, we cannot guarantee the security of your personal information transmitted to our Website. Any transmission of personal information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on the Website.

Changes to Our Privacy Policy                       

It is our policy to post any changes we make to our privacy policy on this page [with a notice that the privacy policy has been updated on the Website home page]. If we make material changes to how we treat our users' personal information, we will notify you [by e-mail and/or] through a notice on the Website home page. The date the privacy policy was last revised is identified at the top of the page. You are responsible for ensuring we have an up-to-date active and deliverable e-mail address for you, and for periodically visiting our Website and this privacy policy to check for any changes.     

Contact Information

To ask questions or comment about this privacy policy and our privacy practices, contact us at: 

[email protected]

Transparency in Health Coverage 

The Transparency in Health Coverage Final Rules require certain group health plans to disclose on a public website information regarding in-network provider rates and historical out-of-network allowed amounts and billed charges for covered items and services in two separate machine-readable files (MRFs). The MRFs for the benefit package options under the HCC Insurance Holdings, Inc. Welfare Benefit Plan are linked below:            

Transparency in Health Coverage URL