Privacy Policy

1. INTRODUCTION​

This Privacy Notice explains how Travel Insurance (collectively, “our”, “us”, or “we”) collect, use and disclose personal data about you when you use our websites, mobile sites, applications (“apps”) or other online products and services that link to this Privacy Notice, subscribe to our print newspaper, attend our conferences or events, and/or receive our newsletters or emails.

By using our Services, you acknowledge you have read and accept this Privacy Notice.

The Dow Jones Services are intended for general audiences, and we do not knowingly collect personal data from minors under 16 years of age.

2. DATA W​E C​OLLECT​

We may obtain information about you from a variety of sources. This includes personal data you provide to us directly, data we obtain from other sources, and data we gather through automated means.

2.1 Data You Provide to Us

We collect personal data that you provide to us when you interact with the our Services, including the following:

• Contact or identifier data when you sign up for our Services, such as your name, postal address (including billing and shipping address), email address, telephone or mobile phone number;
• Transactional and financial information to process transactions, such as credit or debit card number and related payment information;
• Information you provide when you register for an event or conference, such as your occupation or interests;
• User-generated content when you participate in a community forum or otherwise post content that others can read or view, such as your comments, username or profile picture;
• Information you provide when you create a profile, participate in a sweepstakes, contest or game or take a survey, such as your education, investments, other financial information, interests or gender;
• Information you provide when you use an interactive feature (such as text, chat, chat bot or article sharing options) or scan or use our QR codes, such as your mobile phone number;
• Customer service information, such as messages and other information you address to us through online forms, text, chat, by email, over the phone or by postal mail.

2.2 Data We Receive from Other Sources

We may receive personal data about you in connection with Services from publicly and commercially available source, business partners (such as social networking services with which you engage), and, if applicable to you, the third party provider of your subscription (such as your employer or educational institution). Such personal data may include:

• Purchasing data, including information about your transactions and purchase history, membership in loyalty programs or information about advertisements you have seen or acted upon, including your interaction with advertisers” products and services;
• Demographic data, such as gender, age range, educational level, household income range;
• Occupational data, such as profession, position, title and industry;
• Preferences and shopping interests;
• Geolocation data;
• Your activities on other Internet sites or mobile apps, such as information about content, products, services or advertisements you have seen or interacted with, including the content, products or services of our advertisers.
• If you log in with or connect a social networking profile (e.g., Facebook) with a Dow Jones Service, we may obtain information about you, such as your user ID or user name and other data you have permitted those networks to share with us consistent with your privacy settings on the applicable social networking service.

2.3 Data Collected By Automated Means Through Our Services

We gather by automated means (such as cookies, web beacons, web server logs and similar technologies) certain information through our Services. Such data may include:

• Your IP address;
• Device information, such as unique identifier and connection information, including mobile device advertising IDs (e.g., Apple IDFA or Google AAID);
• Your device type and settings, software used, browser type and operating system;
• Language preferences;
• Viewing behavior, including the content you view and for how long;
• Web pages and advertisements you view and links you click on within, and search queries you may have run on, our Services;
• Other usage data, such as the websites or other services you visited before visiting our Services (referring URL), access times and other details about your use and interactions on our Services;
• Location information, including the city, state and zip code associated with your IP address, information derived through wifi triangulation, and precise location information from GPS-based functionality on your mobile apps, with your consent;
• Your phone number and mobile carrier details in connection with some of our mobile apps

3. HOW W​E USE THE D​ATA WE OBTAIN​

We may use the personal data we collect from and/or about you for the purposes set forth below.

3.1 To Provide and Manage our Services

This may include to:

• Provide our products and services, including to process and fulfill your subscription, or complete a transaction that you requested;
• Create and manage online accounts;
• Provide customer support, including via online chat or chat bot, and to respond to inquiries;
• Send information about your relationship or transactions with us;
• Provide technical support;
• Deliver relevant content and suggestions (e.g., if you use multiple products, we may use your reading history or activity to personalize the content delivered to you across products);
• Conduct research for potential articles if you choose to respond to a journalism survey;
• Communicate about, and administer participation in, online games, sweepstakes, contests, promotions, special events, rewards programs, surveys or market research;
• Send promotional materials, alerts regarding available offers, product or service information, events, and other communications, including via text/SMS messages if you provide your mobile phone number and opted in to receive such messages (“Text Messages”). Your consent to receive Text Messages is not required to purchase goods or services from us;

3.2 To Measure And Improve Our Products And Services/Conduct Analysis

This may include to:

• Operate, evaluate and improve our business (including developing, enhancing, analyzing and improving our Services; managing our communications, performing data and statistical analytics, and performing accounting, auditing and other internal functions);
• Monitor and analyze the extent of your use of our Services, to inform modifications, enhancements, or updates to our Services, or to make marketing or pricing decisions.

3.3 To Allow You To Share User-Generated Content

Certain features on our Services give you an opportunity to interact with us and others. These features include collaboration tools, community forums, chats, submitting a letter to the editor, creating community profiles, rating, tagging, and commenting on articles. If you choose to use these features, any information you choose to share (such as your name, user name, email address, picture or image, likes, status, and comments) becomes public and can be used for purposes over which we have no control. We are not responsible for any information you choose to submit and make public through these interactive features.

3.4 To Deliver Interest-Based Advertising (aka Targeted Advertising)

As described in this Privacy Notice and our Cookie Notice, we, as well as our third-party service providers, may obtain information about your online activity to provide you with advertising about products and services tailored to your individual interests. We also engage third party online advertising companies, advertisers and ad networks to help target our messaging to visitors through interest-based and contextual means. These third parties may collect information about your activities on our Services and on other websites or apps including offline purchases, for such purpose. The networks use this information to show you advertisements on our Services or other third-party websites and apps that may be tailored to your individual interests. This information also helps us track the effectiveness of our marketing efforts. To the extent required by applicable law, we will obtain your consent before using your information for interest-based advertising. To learn how to opt out of online interest-based advertising (or, as it may be called in some jurisdictions, targeted advertising), please follow the instructions in the Your Choices and Rights section below.

3.5 To Protect The Rights

We may use your personal data as we believe to be necessary or appropriate in order to:

• Protect against, identify and prevent fraud and other unlawful activity, claims and other liabilities;
• Secure, protect and defend the privacy, safety or property of our Services, and our employees and agents, or users;
• Comply with and enforce legal requirements, including laws outside your country of residence, relevant industry standards, contractual obligations, and our terms of service and other policies;
• Respond to inquiries from third parties, including inquiries from law enforcement authorities.

4. DATA​​ SHARING​​

We may share your personal data with:

4.1 Our Service Providers

We may share some or all of your personal data identified above, as necessary for the specific services, with our service providers, who provide services to us or to you on our behalf (e.g., sending email or Text Messages on our behalf, processing payments, fulfilling orders or delivering subscriptions or improving or customizing our Services). These third party service providers are not authorized to use it for any other purpose than the specific service they are providing to us or to you on our behalf.

4.2 Our Business Partners

We may share your data with business partners to provide you with co-branded services or features that you participate in, such as conferences, events, contests, sweepstakes or other promotions. The business partner’s use of your information will be governed by its privacy notice.

4.3 For Legal Requirements and Proceedings

We may disclose your personal data to law enforcement authorities or other government officials if we are required to do so to comply with subpoenas, court orders, legal process or other government measures, and to comply with other legal obligations. We may also disclose information if we believe disclosure is necessary or appropriate in connection with an investigation of suspected or actual fraud or illegal activity.

4.4 With Other Third Parties To Complete A Corporate Transaction

We may disclose information we have about you in the event we sell or transfer all or part of our business or assets (including in the event of a merger, reorganization, dissolution or liquidation) to the third party or its advisors involved in such corporate transaction

5. HOW WE PROTECT PERSONAL DATA

We uses a combination of administrative, technical, organizational and physical measures to safeguard personal data in its possession against accidental, unlawful or unauthorized loss, use, access, disclosure or modification. We make reasonable efforts to ensure a level of security appropriate to the risk of the processing, taking into account the costs of implementation and nature of the processing of personal data. However, no one can guarantee the complete safety of your information. If you have reason to believe that your interaction with us is no longer secure, please immediately notify us of the problem by contacting us as set forth in the Contact Us section below.

6. OTHER IMPORTANT INFORMATION

6.1 Do Not Track Disclosure

Some browsers or other tools include “Do Not Track” (DNT) features which, when turned on, send a signal to websites you visit indicating you do not wish to be tracked across websites over time. However, since no technology standard for DNT signals has been developed or adopted to date, we does not currently respond to DNT signals.

6.2 Collection of Personal Financial Information by a Payment Service

In some cases, we may use an unaffiliated payment service to allow you to purchase a product or service or make payments (“Payment Service”). If you wish to purchase a product or service or make a payment, in such a case, you will be directed to a Payment Service webpage. Any information that you provide to a Payment Service will be subject to the applicable Payment Service”s privacy notice, rather than this Privacy Notice. We have no control over, and are not responsible for, any Payment Service”s use of information collected through any Payment Service.

6.3 Updates to Privacy Notice

We may periodically update this Privacy Notice without prior notice to reflect changes in our privacy practices and our Services. If we modify the Privacy Notice, we will update the Effective Date and the changes will become effective as of the date we post such Notice. We will notify you of any material changes by posting a prominent notice on our Services indicating we have updated this Privacy Notice.