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Program Design Tool Terms of Use

The term "personal information" means any information that can be used to identify or contact a specific individual, such as a name, address, telephone number, e-mail address, or policy or claim number. The term "non-personal information" means information that does not allow us to identify or contact a specific individual, such as demographic information, industry categories, exposure details, and risk sensitivities.

Subject to other conditions found on the tool, we will only collect personal information from visitors to the tool in order to i) allow them to save, email, print, or otherwise access their report; ii) provide them access to related trainings and educational resources; iii) respond to their request to be contacted by a multinational business representative; iv) allow for internal research and reporting capabilities; and v) allow for distribution of relevant AIG marketing materials.

Depending on your relationship with us (for example, as a consumer policyholder; non-policyholder insured or claimant; witness; commercial broker or appointed representative; or other person relating to our businesses), certain AIG Companies may through other means collect other personal information, including sensitive personal information, such as social security numbers or other personal identification numbers and health information, in the course of their business. Additional privacy notices will be provided by these AIG Companies where relevant. Where applicable, we maintain privacy and security policies and procedures that protect social security numbers and other sensitive personal information by maintaining their confidentiality, prohibiting their unlawful disclosure, guarding against unauthorized access, establishing proper disposal procedures for them (such as shredding), and limiting their disclosure to third parties, except where required or permitted by law.

“Cookies” and “Pixel Tags”

We constantly seek to maintain the integrity of, and make improvements to, the tool. As part of these efforts, we collect and analyze certain information about how visitors use the Website, as stated below.

When you visit our tool, we may collect non-personal information such as responses for industry categories, exposure details, and risk sensitivities in order to perform market trend analyses.

We may also collect various types of technical data including (but not limited to) domain name and/or Web browser information. This data may be gathered using cookies and other similar technologies. Cookies are small pieces of information that our server places on a visitor's computer hard drive to enable that person to more easily communicate and interact with the Website and to provide us with important information on how visitors use the tool. This tool uses cookies to allow you to select a preferred location view and default home page view and to let you access recently visited links (such as products, services, and individual AIG Company pages) more easily. Many Web browsers are automatically set to accept cookies. You may change your browser settings to either reject cookies or notify you when a cookie is about to be placed on your computer. Please note, however, that rejecting cookies while visiting the tool may result in certain parts of the tool not operating correctly or as efficiently as if they were allowed. For example, you will not be able to access a preferred location view, a customized default home page view or your recently visited links.

In addition, we may use a service that collects data remotely by using "pixel tags”, "web beacons", "clear GIFs", or similar means (collectively, "Pixel Tags") embedded in the tool’s content. A Pixel Tag is an electronic image, often a single pixel (1x1) that is ordinarily not visible to tool visitors and may be associated with cookies on the visitors' hard drives. The data we collect includes which operating system and Web browser you use, how you navigate to and through our tool, and how long you stay on our web pages. This information does not include your name, e-mail address or any other personal information.

Please note that certain non-personal information may be linked with personal information. Any linked information will be treated as personal information for the purposes of this Policy as long as it is linked.

“IP Addresses”

As part of our efforts to maintain and improve the tool, we also collect IP addresses. An IP address is usually identified and logged automatically in our server log files whenever a visitor comes to the tool, along with the time of the visit and the page(s) that were visited. Collecting IP addresses is standard practice on the Internet and is done automatically by many other websites.

Subject to other conditions found on the tool, we will use personal information provided by visitors to fulfill the purpose for which such personal information was provided, as described in this Policy, or as disclosed at the time the visitor information is collected.

We may use personal information for our business purposes, such as data analysis, audits, developing new products, enhancing our websites, improving our services, identifying usage trends and determining the effectiveness of our promotional campaigns.

We also may use personal information to provide you with customized content on our tool or to provide you with information most relevant to you. Additionally, we may use personal information to send you important information regarding the tool, changes to our terms and conditions, and policies and/or other administrative information, and to personalize your experience on the tool by presenting products and offers tailored to you.

We use the personal information you submit to respond to your inquiries. If your inquiry might appropriately be answered by a particular AIG Company, it may be forwarded to that company. That AIG Company will use the personal information to respond to your inquiry. Neither AIG nor any AIG Company will share information you submit with any third party for the third party's direct marketing purposes, unless you consent to this use. We also may use the personal information you submit to ask you follow-up questions about which products you have purchased or are considering purchasing, in order to improve our services and better understand your needs.

We may also offer visitors the opportunity to receive special promotions. If a visitor elects to receive such offers by becoming a Member of the tool, we will use the personal information provided by that visitor to send those offers.

We may also use personal information as we believe to be necessary or appropriate: (a) under applicable law, including laws outside your country of residence; (b) to comply with legal process; (c) to respond to requests from public and government authorities, including public and government authorities outside your country of residence; (d) to protect our rights, privacy, safety or property, and/or that of our affiliates, you or others; and (e) to allow us to pursue available remedies or limit the damages that we may sustain.

Usage of the personal information may result in the provision of insurance and services to you by AIG Companies. Please note that insurance and the associated overage may not be available in all jurisdictions and is subject to actual policy language. For additional information, please visit our website at together with the links to our worldwide privacy policies at

Subject to other conditions found on the tool, we will only disclose personal information collected using the tool to third parties in order to: (1) comply with applicable laws; (2) respond to inquiries or requests from government or public authorities, including government or public authorities outside your country of residence; (3) comply with legal process; (4) protect the operations of AIG and AIG Companies; (5) protect the rights, privacy, safety or property of AIG, AIG Companies, tool visitors or the public; (6) permit us to pursue available remedies or limit the damages that we may sustain; and (7) enforce our Terms of Use.

In the event there is a change in the corporate structure of AIG or AIG Companies such as, but not limited to, a merger, consolidation, sale, liquidation or transfer of substantial assets, AIG and AIG Companies may, in their sole discretion, transfer, sell or assign information collected on and through this tool, including, without limitation, personal information concerning visitors, to one or more affiliated parties.

Because non-personal information collected on the tool does not personally identify you, we may use non-personal information for any purpose, and share non-personal information with affiliated parties for any purpose.

“Cookies” and “Pixel Tags”

For example, we share the information gathered using cookies, Pixel Tags and other similar technologies with other AIG companies. In addition, we may evaluate and share statistical information derived from the information submitted with our affiliates; however, such statistical information is not associated with any individual in a personally identifiable manner.

“IP Addresses”

We use IP addresses for purposes such as calculating tool usage levels, helping diagnose server problems, and administering the tool. We may also use and disclose IP addresses for all the purposes for which we use and disclose personal information. Please note that we treat IP addresses, server log files and related information as non-personal information, except where we are required to do otherwise under applicable law.    

This tool may contain links to other websites and/or tools. The operator of such other websites (whether AIG, an AIG Company or an unaffiliated third party) may collect information about you, including through cookies or other technologies. If you link to another website or tool, you will leave this tool and this Policy will not apply to your use of and activity on those other websites or tools. If you provide personal information through any such website, your transaction will occur on that website or tool (not this tool) and the personal information you provide will be collected by, and controlled by the privacy policy of that website or tool's operator. Links on this tool to other websites or tools are provided only as a convenience, and the inclusion of such links does not imply endorsement of the linked website or tool. We encourage you to read the legal notices posted on those websites, meetings, or tools including their privacy policies. We shall have no responsibility or liability for your visitation to, and the data collection and use practices of, such other websites or tool. This Policy applies solely to online information collection and use practices in connection with this tool; it does not apply to any practices conducted offline or in connection with other websites or tools owned or operated by AIG, any AIG Company or any unaffiliated third parties.

We use Adobe's ‘Omniture’ analytics service, which uses cookies and web beacons to help us understand more about how the tool is used by consumers so we can continue to improve it. Adobe does not have the right to use the information we provide to them beyond what is necessary to assist us. For more information on Adobe's Omniture service, including how to opt-out of their cookies, go to

Subject to other conditions found on the tool, we take reasonable precautions to safeguard the personal information transmitted between visitors and the tool, and the personal information stored on our IT servers used to host the tool and your personal information. Unfortunately, no data transmission over the Internet or an electronic data storage system can be guaranteed to be 100% secure. If you have reason to believe that your interaction with us is no longer secure, you must immediately notify us of the problem by contacting us at

In the unlikely event that we believe that the security of your personal information in our possession or control may have been compromised, we may seek to notify you of that development. If a notification is appropriate, we would endeavor to do so as promptly as possible under the circumstances, and, to the extent we have your e-mail address, we may notify you by e-mail.

We maintain this tool in the United States. Further, please note that any communication you send to an "" e-mail address will necessarily be routed through the United States. Subject to other conditions found on the tool, by providing personal information and other information to this tool, and/or by sending a communication to an "" e-mail address, you understand and consent to the collection, use, processing disclosure and transfer of such information to the United States and other countries or territories, which may not offer the same level of data protection as the country where you reside, in accordance with the terms of this Policy.

If you would like to access, correct, object to the use of, or request updating, suppression, delete, or if you have any questions or concerns about how we process personal information, you may contact us at: with any such requests.

Please note that some personal information may be exempt from access, correction, objection, deletion or suppression rights in accordance with local privacy laws.

Yes. We reserve the right to change this Policy, in order to address future developments of AIG and AIG Companies or the tool, or changes in industry, legal trends or as needed, required or specified when using the tool. Depending on the nature of the change, we will either: (1) announce the change on the home page of the tool or (2) take such other action as we deem appropriate under the circumstances, including, without limitation, posting the revised draft of this Policy on the tool. You can determine when this Policy was last revised by referring to the "Last Updated Date" legend at the bottom of this page. Any changes to this Policy will become effective upon posting of the revised Policy on the Internet, accessible through the tool. By continuing to use the tool following such changes, you will be deemed to have agreed to such changes. If you do not agree with the terms of this Policy, as it may be amended from time to time, in whole or part, please do not continue using this tool. If you have any questions or comments about this Policy, please feel free to contact us at

We will retain your personal information for the period necessary to fulfill the purposes outlined in this Policy (or in additional privacy notices we provide to you from time to time) unless a longer retention period is required or allowed by law.

The tool is not directed to individuals under the legal age of consent, and we request that these individuals do not provide personal information through the tool.

For purposes of Hong Kong, this tool is directed primarily for persons working for, or representing, multinational businesses and aims to assist such persons in identifying and understanding issues which need to be considered when designing their multinational insurance programs.

If you have any questions about this Policy, please contact us by e-mail at, or please write to the following address: American International Group, Inc., Attn: E-Commerce Legal, 80 Pine Street, 13th Floor, New York, NY 10005.