Ryan Specialty Privacy Statement 

Summary and Overview

Integrity in our dealings with clients, employees, carrier trading partners and service trading partners (collectively, “clients”) is a cornerstone of our culture. Our commitment extends to personal information about our clients that we might possess or acquire. We strive to protect the personal information under our control and take certain precautions to help maintain the security and accuracy of that data.

Ryan Specialty, LLC is an international firm, with legal entities, business processes, management structures and technical systems that cross geographic borders. This Privacy Statement applies to all Ryan Specialty affiliates and locations including RSG Specialty, LLC and RSG Underwriting Managers, LLC (“Ryan Specialty”). If you have questions or concerns regarding this statement, you should contact Ryan Specialty via the contact information included at the end of this Privacy Statement.

Ryan Specialty also may collect information during your visit to a Ryan Specialty website through cookies, which are used to help compile aggregate statistics about usage of its websites. This information is used to improve content and personalize your user experience. However, by modifying your internet browser preferences, you have the ability to accept all cookies, to be notified when a cookie is set or to reject all cookies. Please note that if you choose to reject all cookies, you will be unable to use those services or engage in activities that require the placement of cookies.

Through ryansg.com, you may link to web pages and websites operated by Ryan Specialty and its subsidiaries and affiliates in various jurisdictions. If a Ryan Specialty subsidiary or affiliate site has its own specific privacy policy, the provisions of that specific policy will prevail. Ryan Specialty also may provide links to websites that are external to Ryan Specialty. These websites are not operated or controlled by Ryan Specialty, and Ryan Specialty is not responsible for the privacy practices or the content of such external websites.

Ryan Specialty will not sell, rent or lease your personal information. Due to the international nature of services provided by Ryan Specialty, the personal information you provide may be transmitted, used, stored and otherwise processed outside of the country where you submitted that information, including jurisdictions that may not have data privacy laws that provide equivalent protection to such laws in your home country.

Individuals may have certain rights of access to personal information held by Ryan Specialty and to have such data corrected where incorrect or deleted. Please email RegulatoryCompliance@ryansg.com or contact us at 888-291-0045 for further information or to request access, correction or deletion, or click on this link in order to make such a request.

From time to time, Ryan Specialty may update this Privacy Statement and the jurisdiction privacy statements set out here. Please note that the effective dates shown for each statement shows when this Privacy Statement was last revised. We encourage you to review this Privacy Statement periodically so that you are informed of our current practices. By continuing to use any of the Ryan Specialty Online Services after we post a newly updated Privacy Statement on the Sites, you consent to any changes we make to this Privacy Statement

Because differing laws apply in the various jurisdictions where Ryan Specialty does business, we have included links to the various privacy statements applicable to residents of different locations. Please see the privacy statement that is applicable to your location.

Effective as of 28 July 2022.

CALIFORNIA PRIVACY NOTICE

This privacy statement applies to RSG Specialty, LLC, USA (in California: RSG Specialty Insurance Services, LLC) and Ryan Specialty Underwriting Managers, LLC, USA (in California: RSG Insurance Services, LLC) and all their subsidiaries and affiliates operating in the United States.

If you are a California resident, you have the right to request that we disclose what personal information we collect, use or disclose about you, and the right to ask that we delete personal information that we hold about you. Please email RegulatoryCompliance@ryansg.com or contact us at 888-291-0045 for further information or to make such a request, or visit Data Subject Request in order to make such a request.

Right to Delete: You have the right to request that we delete the personal information that we have collected and retained (without charge) unless an exemption applies. Once we receive and verify your request, we will delete (and, if applicable, direct our service providers to delete) your personal information from our records, unless an exemption applies.

Right to Know: You have the right to request that we disclose certain information to you about our collection and use of your personal information over the past 12 months (up to twice per year and subject to certain exceptions). Once we receive and verify your request, we will disclose to you as required:

  • the categories of personal information we collected about you;
  • the categories of sources from which we collected personal information about you;
  • categories of personal information we have disclosed for a business purpose;
  • the categories of third parties to whom we have disclosed that personal information;
  • our business or commercial purposes for collecting that personal information; and
  • the specific pieces of personal information we collected from you.

Submitting Requests: You can submit a deletion or right to know request as instructed above.

We will respond to verifiable requests received from California residents as required by law. When you submit a request to know or a request to delete, we will take steps to verify your request by matching the information that you provide with the information we have in our records and/or requiring authentication through your usual log-in credentials if you are an accountholder. You must complete all required fields on our Data Subject Request web page (such as your name, email address, and physical address) or otherwise provide us with this information via the above toll-free number. In some cases, we may request additional information in order to verify your request or where necessary to process your request. We may also carry out checks, including with third party identity verification services, to verify your identity before taking any action with your personal information. If we are unable to adequately verify a request, we will notify the requestor. Authorized agents may initiate a request on behalf of another individual by contacting us at the number above or through our Data Subject Request web page; authorized agents will be required to provide proof of their authorization and we may also require that the relevant consumer directly verify their identity and the authority of the authorized agent.

You have the right not to be discriminated against for the exercise of your privacy rights under the law. We will not discriminate against you for exercising any of your California Consumer Privacy Act rights or impose unreasonable requirements on financial incentives offered to California consumers related to your personal information. We may offer different prices, rates, or quality of goods or services if the difference is reasonably related to the value of your personal information.

What categories of personal information do we collect?

We may collect, and have collected in the past 12 months, the following categories of personal information about you and/or your dependents:

  • Personal identification
    Name; date of birth; gender; race/national origin; physical traits; contact details (home and work address, telephone numbers, email addresses); and username, password, password reminder questions and answers for Ryan Specialty Online Services.
  • Government-issued identification
    Identification numbers include but are not limited to Social Security number, other tax identification number, Medicare number, passport number, military identification number, and driver’s or other license numbers.
  • Background data
    Marital status; family history; educational history; employment history and job titles; professional licenses and affiliations; and relationship to the policyholder, insured or claimant.
  • Health and medical data
    Current or former physical or mental or medical condition; biometric and genetic data; history of medical procedures or surgeries; date and cause of injury, disability, or death; medication information; medical insurance information; and relevant personal habits such as smoking or drug and/or alcohol consumption.
  • Financial data
    Bank account number; other account numbers and details for financial institutions or credit cards or payment cards; income; assets (real and personal property); liabilities; credit history and credit score; history of insolvency; and other financial information.
  • Data that allows Ryan Specialty to provide you with insurance services or products
    Details about your business and status as an insurance agent or broker; your status as owner, director, shareholder, member or partner, or other ownership or management interest in an organization; policy and claim numbers; prior or present insurance policies, coverage and claims; photographs or video recordings received in the course of business such as claims processing; location and identification of insured property such as property address, vehicle license plate, identification number, registration number, or safe deposit box location and number; other insurance you hold; and other data in activity notes and emails based on our previous communications with you.
  • Other sensitive information
    In the course of doing business with you, we may obtain sensitive information about you, such as your history of civil claims and lawsuits, criminal record, job performance, data regarding sexual life or sexual orientation, religious or similar beliefs, or preferences for medical treatment.
  • Your preferences
    We may note your preferred form of communication and marketing and record the interest you show in our services and products.
  • Social media account information
    When you use our Portals or follow our Social Media Pages, Ryan Specialty may receive additional personal information from you, including personal information that is part of your profile relating to those accounts or your friends’ profiles. Please review the applicable privacy policies for your social media accounts. We are not responsible for the data collection or the privacy practices of any social media accounts.
  • Information from Other Sources
    We may also collect personal information about you from other sources, including commercially available sources and our business affiliates or partners.

Where do we collect personal information from?

In general, we may collect personal information about you, directly and indirectly, depending on your relationship with us—whether as an individual client, agent, broker, a policyholder, claimant, employee of our corporate and association clients, family member of any such person, or other person who we employ or with whom we do business.

Specifically, we may collect your personal information from the following sources:

  • You or your family member orally or in paper and/or online applications or other documents for insurance, employment, or other services.
  • Third parties, such as insurance companies, brokers or agents, medical professionals, financial institutions, motor vehicle and driver licensing authorities, and sources of publicly available information.
  • Affiliates, subsidiaries, insurers, intermediaries, third party providers and others in connection with providing or responding to a request for services.
  • Consumer or credit reporting agencies.
  • During your visit to a Ryan Specialty website through cookies, which are used to help compile aggregate statistics about usage of its websites, as set out in the summary and overview above.

How do we use personal information?

We use and disclose, and have used and disclosed in the past 12 months, your personal information to operate our business:

Communications.

We use your personal information to communicate with you and others for reasons such as:

  • to give you information that you requested from us about our services or products;
  • to communicate with you regarding your account or your business or employment relationship with us;
  • to advise you of changes to any of the Ryan Specialty Online Services or any service or product we provide.

Business purposes.

We use and disclose your personal information in running our business such as:

  • to determine eligibility and process applications for insurance services and products;
  • to handle transactions such as payments and claims handling;
  • to perform general business operations including audit; accounting and finance; billing and collection; data storage; website hosting; information technology functions; product development; records and information retention; fraud and risk management, detection, and prevention;
  • to permit you to use the interactive features of the Ryan Specialty Online Services;
  • to conduct data analytics in order to evaluate and improve existing, business operations, services, and products and develop new or improved features, services or products;
  • to confirm an individual’s identity and handle a request to know or delete personal information, as permitted by law;
  • in any other way we disclose when you provide the information; and
  • for any other purpose for which you give consent.

Legal.

We use and disclose your personal information for legal purposes such as:

  • to fulfill our obligations and enforce our rights under any contract between you and us;
  • to comply with legal and regulatory obligations and legal process such as court orders and subpoenas;
  • to respond to lawful inquiries from governmental, regulatory and other authorities; and
  • to obey all applicable laws.

Promotional Marketing.

Ryan Specialty uses and discloses your personal information to provide you with information relating to new or improved service or product such as:

  • to deliver marketing content or promotional communications that may be of interest to you; and
  • to transmit direct marketing, including newsletters, emails or other information that you have requested.

Unsubscribe.

Ryan Specialty uses and discloses your personal information to maintain a list of individuals who have unsubscribed from our mailings or electronic communications.

To whom do we disclose personal information?

We will never sell your personal information.

Ryan Specialty may disclose personal information among its affiliated businesses and with third-party service providers acting on Ryan Specialty’s behalf. To provide you and others with insurance services and products, we may disclose your non-public personal information to:

  • Our subsidiaries, operating companies, and affiliates;
  • Consultants, vendors, and other service providers, who (i) process or complete the transaction for which the information was provided or (ii) provide services for Ryan Specialty such as payment and application processing, marketing, technical support, webhosting, data storage, or data analysis and need your personal information to perform said work services and are contractually restricted from using or disclosing the personal information except as necessary to perform services on our behalf or to comply with legal requirements;
  • Any entity that is needed to protect the rights and property of Ryan Specialty and our employees, agents, users and other third parties or to prevent physical harm or financial loss of Ryan Specialty, our users or any third party;
  • Regulatory, governmental, or other legal authorities to respond to lawful requests for information;
  • A third party in order to comply with a court order, subpoena, search warrant, other legal process or law;
  • An interested buyer (in the course of due diligence), actual buyer or successor of some or all the assets of Ryan Specialty; and
  • Any third party with your authorization or for any other purpose disclosed by us when you provided your information.

How long does Ryan Specialty keep your personal information?

  • We will retain your personal information for as long as it is reasonably necessary, depending on the relevant legal and regulatory obligations and/or the duration of our business relationship with you, your employer, or another related entity.
  • In most instances, personal data will be retained for 10 years after the end of the insurance period or claim settlement, but personal data is sometimes retained longer if deemed necessary. In certain circumstances, we may store your personal information for longer periods of time if we reasonably believe there is a possibility of a future complaint, dispute or litigation or there is another valid business reason the information may be necessary in the future.
  • We will securely delete or erase your personal information if there is no valid business reason for retaining that information.

Privacy of Children

Ryan Specialty Online Services are not intended for children. We do not knowingly collect or solicit personal information from anyone under the age of 13 without parental consent. We do not knowingly allow anyone under the age of 13 to register for any services. If we learn that we have collected personal information from a child under age 13, we will delete that information as quickly as possible. If you believe that a child under 13 may have provided us personal information, please contact us at the email address or telephone number below. We expect all information provided by online users to be truthful and correct regarding age and other information provided.

Changes to this Privacy Statement

From time to time, Ryan Specialty may update this Privacy Statement. Please note that the Effective Date at the top of the page shows when this Privacy Statement was last revised. We encourage you to review this Privacy Statement periodically so that you are informed of our current practices. By continuing to use any of the Ryan Specialty Online Services after we post a newly updated Privacy Statement on the Sites, you consent to any changes we make to this Privacy Statement.

Effective as of 28 July 2022.

UK BUSINESS RELATIONS PRIVACY NOTICE

This privacy notice applies to Ryan Specialty International Limited (previously RSG Underwriting Managers Europe Limited)

Ryan Specialty International Limited, (previously RSG Underwriting Managers Europe Limited) trading as Ryan Specialty Transactional Risks, EmergIn Risk, StartPoint Executive Risks, PERse International, LifeScienceRisk and Emerald Underwriting Managers, with registered address 30 St. Mary Axe, 13th floor, London EC3A 8BF, United Kingdom, is the data controller responsible for the personal data we collect as part of our business relations with third parties. These third parties include insureds, insurance brokers, insurers, syndicates, regulators, vendors, service provides and any other third party that has a business relationship with us.

Ryan Specialty International Limited is a company belonging to Ryan Specialty (www.ryansg.com).

This Privacy Notice sets out what personal data we may collect and how we may collect it, how and why we may use it, how we keep it secure and data subject rights in respect of personal data.

The types of personal data we use, its purposes and its sources.

In order to operate our business, we need to obtain, process and use a limited amount of personal data. The categories of personal data that we collect include:

  • Name
  • Contact Details (including email addresses and phone number)
  • Date of birth
  • IP address

The personal data are provided to us directly by business relations, insurance brokers and/or directly by applicants that apply for an insurance policy from us. As part of our underwriting process third party vendors may provide personal data to us. The lawful bases for collecting and processing personal data are Consent, Contract and/or Legal Obligation.

Who we share data with

Personal data is not processed outside Ryan Specialty businesses, other than:

  • with the Lloyd’s syndicates and insurers that we represent
  • for risk review purposes
  • when we are required by law to do so
  • to transfer the data in case of a merger or sale
  • in case of legal proceedings
  • for audit purposes
  • to prevent or detect fraud.

Security

We are committed to ensuring that the data collected is secure. While we cannot ensure or guarantee that loss, misuse or alteration of data will not occur, we use our best efforts to prevent this. In order to prevent unauthorised access or disclosure we have put in place suitable physical, electronic and managerial procedures to safeguard and secure the data.

How Long We Keep Data

We retain the data on the following terms:

  • In case we underwrite the insurance: 10 years after expiry of the policy or after final settlement of all claims under the policy;
  • In case we do not underwrite the policy, 2 years after our rejection to underwrite.
  • Other business contracts: at least 6 years after termination
  • Our data retention policy applies

Sending Personal Data outside the EU

Personal data is stored on our underwriting administrative systems administered by Ryan Specialty in the United States of America. We ensure that any data is processed securely and in accordance with this Privacy Notice.

Data Subject Rights

Under data protection law, data subjects have rights including

  • the right of access to confirm if we process their data get a copy of the data we process.
  • the right to rectification if personal data is incorrect or incomplete
  • the right to erasure if there are no legitimate grounds for retaining the data
  • the right to restriction of processing if there are no legitimate grounds for processing
  • the right to object to processing if there are no legitimate grounds for processing
  • the right to data portability to transfer the personal information you gave us to another organisation, or to you, in certain circumstances.

Please contact us at compliance-UK@ryansg.com if you would like to make a request.

Complaints

If you have any concerns about our use of your personal information, you can make a complaint to us at compliance-UK@ryansg.com.

You can also complain to the ICO if you are unhappy with how we have used your data. Please refer to www.ico.org.uk/concerns for instructions on how to report a concern.

The ICO’s address:

Information Commissioner’s Office
Wycliffe House
Water Lane
Wilmslow, Cheshire
SK9 5AF

London, Effective 22 May 2022

EUROPE BUSINESS RELATIONS PRIVACY NOTICE

This privacy notice applies to:

  1. Ryan Specialty Nordics AB, Sweden
  2. Ryan Specialty Group Denmark A/S, Denmark
  3. Ryan Specialty Nordics AB, Spanish Branch, Spain

The companies listed under Data Controllers at the end of this notice are responsible for the personal data it collects as part of their business relations with third parties. These third parties include insureds, insurance brokers, insurers, syndicates, regulators, vendors, service provides and any other third party that has a business relationship with us.

Each of the Data Controllers is a company belonging to Ryan Specialty (www.ryansg.com).

This Privacy Notice sets out what personal data we may collect and how we may collect it, how and why we may use it, how we keep it secure and data subject rights in respect of personal data.

The types of personal data we use, its purposes and its sources.

In order to operate our business, we need to obtain, process and use a limited amount of personal data. The categories of personal data that we collect include:

  • Name
  • Contact Details (including email addresses and phone number)
  • Date of birth
  • IP address

The personal data are provided to us directly by business relations, insurance brokers and/or directly by applicants that apply for an insurance policy from us. As part of our underwriting process third party vendors may provide personal data to us. The lawful bases for collecting and processing personal data are Consent, Contract and/or Legal Obligation.

Who we share data with

Personal data is not processed outside Ryan Specialty businesses, other than:

  • with the Lloyd’s syndicates and insurers that we represent
  • for risk review purposes
  • when we are required by law to do so
  • to transfer the data in case of a merger or sale
  • in case of legal proceedings
  • for audit purposes
  • to prevent or detect fraud.

How Long We Keep Data

We retain the data on the following terms:

  • In case we underwrite the insurance: 10 years after expiry of the policy or after final settlement of all claims under the policy;
  • In case we do not underwrite the policy, 2 years after our rejection to underwrite.
  • Other business contracts: at least 6 years after termination
  • Our data retention policy applies

Security

We are committed to ensuring that the data collected is secure. While we cannot ensure or guarantee that loss, misuse or alteration of data will not occur, we use our best efforts to prevent this. In order to prevent unauthorised access or disclosure we have put in place suitable physical, electronic and managerial procedures to safeguard and secure the data.

Sending Personal Data outside the EU

Personal data is stored on our underwriting administrative systems administered by Ryan Specialty in the United States of America. We ensure that any data is processed securely and in accordance with this Privacy Notice.

Data Subject Rights

Under data protection law, data subjects have rights including

  • the right of access to confirm if we process their data get a copy of the data we process.
  • the right to rectification if personal data is incorrect or incomplete
  • the right to erasure if there are no legitimate grounds for retaining the data
  • the right to restriction of processing if there are no legitimate grounds for processing
  • the right to object to processing if there are no legitimate grounds for processing
  • the right to data portability to transfer the personal information you gave us to another organisation, or to you, in certain circumstances.

Please contact us at compliance-UK@ryansg.com if you would like to make a request.

Data Controllers

CountryData Controller
Sweden Personal Data provided to Ryan Specialty Nordics AB

Ryan Specialty Nordics AB, (previously Ryan Specialty Group Sweden AB) trading as, EmergIn Risk Europe, StartPoint Executive Risks Europe, PERse Europe, LifeScience Risk Europe, with registered address Brahegatan 2, 114 37 Stockholm, Sweden

Spain Personal Data provided to Ryan Specialty Nordics AB, Spanish Branch

Ryan Specialty Nordics AB, Spanish Branch trading as, Ryan Specialty Transactional Risks, with registered address seat Calle Monte Esquina 30, 28010 Madrid, Spain

Denmark Personal Data provided to Ryan Specialty Denmark A/S

Ryan Specialty Group Denmark A/S, with registered office at Strandvejen 125, 2900 Hellerup, Denmark

Complaints

If you have any concerns about our use of your personal information, you can make a complaint to us at compliance-UK@ryansg.com.

You can also complain to the applicable data protection regulator if you are unhappy with how we have used your data.

Ryan Specialty CompanyApplicable Data Protection Authority
Sweden Personal Data provided to Ryan Specialty Nordics AB

Integritetsskyddsmyndigheten (IMY)

Spain Personal Data provided to Ryan Specialty Nordics AB, Spanish Branch

Agencia Española de Protección de Datos (AEPD)

Denmark Personal Data provided to Ryan Specialty Denmark A/S

Datatilsunet

Stockholm / Barcelona / Copenhagen, Effective 22 May 2022

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