The california residential property disclosure describes which of the following?

Privacy & Security

California Consumer Privacy Act Disclosure

Last Updated: January 1, 2020

The Travelers Companies, Inc. and its affiliates (collectively, “Travelers,” “we,” or “us”) value your privacy.  This California Consumer Privacy Act Disclosure explains how Travelers collects, uses, and discloses personal information relating to California residents, pursuant to the California Consumer Privacy Act of 2018 (“CCPA”).

Consistent with the requirements of the CCPA, this Disclosure does not apply with respect to information about individuals who have purchased or applied for, or been involved in a claim involving, a Travelers personal insurance product or service or who were a participant, beneficiary or claimant of an employee benefit product or workers compensation insurance policy underwritten or issued by Travelers (“Consumer Customers”).  For Consumer Customers, please refer to our Privacy Statement for Individual U.S. Personal Insurance Consumers, or to the privacy notice sent to your employer if you are a participant, beneficiary or claimant of an employee benefit product or workers compensation policy, for more information about how Travelers collects, uses, and discloses personal information.

Our Collection, Use, and Disclosure of Personal Information

Under the CCPA, “Personal Information” is information that identifies, relates to, or could reasonably be linked directly or indirectly with a particular California resident or household. The following describes how we collect, use, and disclose Personal Information relating to California residents who are not our Consumer Customers, based on the types of Personal Information listed in the CCPA.

We collect Personal Information relating to California residents in a variety of contexts, including, for example, collecting Personal Information relating to individuals who request or obtain our products or services, apply for employment with us or are our employees, vendors, contractors or similar personnel, and who visit our locations or facilities. The specific Personal Information that we collect, use, and disclose relating to a California resident will depend on our relationship or interaction with that specific California resident.

In the past 12 months, we may have collected the following types of Personal Information relating to California residents who are not our Consumer Customers: 

• Identifiers, such as name and government-issued identifier (e.g., Social Security number);
• Personal information, as defined in the California disposal of records law, such as contact information, financial information and medical information;
• Characteristics of protected classifications under California or federal law, such as sex and marital status;
• Commercial information, such as transaction information and purchase history;
• Biometric information, such as fingerprints or facial biometrics, for certain employees with access to restricted areas;
• Internet or network activity information;
• Geolocation data;
• Audio, electronic, visual, and similar information, such as call recordings;
• Professional or employment-related information, such as work history and prior employer;
• Education information; and
• Inferences drawn from any of the Personal Information listed above to create a profile about, for example, an individual’s preferences and characteristics.

The purposes for which we use this Personal Information depend on our relationship or interaction with a specific California resident. We may use this information in order to operate, manage, and maintain our business, provide our products and services, for our employment and vendor management purposes, and to accomplish our business purposes and objectives, including, for example, providing quotes, underwriting and rating policies; responding to inquiries, fulfilling requests, completing transactions and otherwise servicing insurance policies; investigating and processing claims; personalizing or developing products and services; marketing; research and data analysis; risk and security control; fraud detection and prevention; identity verification; determining eligibility for an employment or other relationship with us; paying compensation and administering benefits; managing performance and other aspects of your relationship with us; accounting, audit, and other internal functions, such as internal investigations; maintaining our facilities and infrastructure; compliance with law, legal process, and internal policies; record keeping; and exercising and defending legal claims.

In the past 12 months, we may have disclosed the following categories of Personal Information relating to California residents who are not our Consumer Customers to third parties for our business purposes: 

• Identifiers;
• Personal information, as defined in the California disposal of records law;
• Characteristics of protected classifications under California or federal law;
• Commercial information;
• Biometric information;
• Internet or network activity information;
• Geolocation data;
• Audio, electronic, visual, and similar information;
• Professional or employment-related information;
• Education information; and
• Inferences drawn from other Personal Information.

In the past 12 months, we have not sold Personal Information relating to California residents who are not our Consumer Customers. For purposes of this Disclosure, “sold” means the disclosure of Personal Information for monetary or other valuable consideration as defined in the CCPA.

Requests Under the CCPA

If you are a California resident, you may request that we:

• Disclose to you the following information covering the 12 months preceding your request:
  1. the categories of Personal Information we collected about you and the categories of sources from which we collected such Personal Information;
  2. the business or commercial purpose for collecting Personal Information about you;
  3. the categories of third parties with whom the business shares Personal Information;
  4. the categories of Personal Information about you that we disclosed to third parties for a business purpose and the categories of third parties to whom we disclosed the Personal Information; and
  5. the specific pieces of Personal Information we collected about you; and 

• Delete Personal Information we collected from you (if applicable).

In some instances, we may not be required to honor your request where a CCPA exception applies, such as where the disclosure of Personal Information would adversely affect the rights and freedoms of other individuals or if you are a Consumer Customer.

You have the right to be free from unlawful discrimination for exercising your rights under the CCPA.

How to Make Requests

If you are a California resident, you may make a request described above using either of the following methods: 

• Web portal, for fast and easy service, at https://consumerprivacy.travelers.com; or
• Toll-free telephone number - 1.866.976.3041

When making a request, you will need to provide certain identifying information to allow us to verify the request and locate your information.

Changes to This California Consumer Privacy Act Disclosure

We may change or update this Disclosure from time to time.  When we do, we will post the revised Disclosure on this page with a new “Last Updated” date.

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