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Privacy and Cookies

Privacy Statement

Aon is committed to protecting your privacy. This Privacy Statement ("Statement") explains our information processing practices. It applies to any personal information you provide to Aon and, subject to local law, any personal information we collect from other sources.

Throughout this Statement, "Aon" refers to Aon plc, including its affiliated companies and subsidiaries (also referred to as "we", "us", or "our").

What type of information does Aon collect?

We collect personal information to offer and administer our services and products. These include insurance broking, claims management, risk management consulting, other forms of insurance services (including underwriting of insurance products and reinsurance), employee benefits program administration and investment advisory services.

We may collect information such as your name, contact details, date of birth, gender, marital status, financial details, employment details and benefit coverage. We may also collect sensitive information about you such as criminal convictions or health information in relation to life, health, professional liability and workers compensation insurance or employee benefit programs.

When you request services, we ask that you provide accurate and necessary information that enables us to respond to your request. In doing so, you consent to our collection, use, storage and disclosure of this information to appropriate third parties for the purposes described in this Statement.

While the personal information we collect may come directly from you, it may also be provided by our affiliates or other third parties (such as employers, insurance companies, insurance brokers or agents, credit organizations, motor vehicle and driver licensing authorities, financial institutions, medical professionals, etc.). If you provide personal information about other individuals (such as employees, dependents, etc.), you must obtain their consent prior to your disclosure to Aon.

Aon may collect information online when you . . .

Visit Aon Websites

For purposes of this Statement, "website" includes our mobile applications.

By using Aon websites and associated microsites, you agree to the processing of your personal information as explained in this Statement, including placing cookies on your device as described in the Cookie Notice.

We collect personal information to fulfill your requests for products and services and to improve your online experience. We strive to limit the amount of personal information collected to support the intended purpose of the collection.

We may ask you for some or all of the following types of information when you register for events, request services, manage accounts, access various content and features or directly visit our websites. This includes, but is not limited to:

  • contact information, such as name, e-mail address, postal address, phone number and mobile number;
  • user name, password, password reminder questions and password answers;
  • communication preferences, such as which newsletters you would like to receive;
  • search queries;
  • contact information about others when you refer a friend to a particular site or service (note: this information is used solely to facilitate requested communications); and
  • information posted in community discussions and other interactive online features.

In some instances, Aon automatically collects certain types of information when you visit our websites and through e-mails that we may exchange. Automated technologies may include the use of web server logs to collect IP addresses, "cookies" and web beacons. The collection of this information will allow us to improve the effectiveness of Aon websites and our marketing activities.

Cookies: Aon collects information during your visit to an Aon website through the use of cookie technology. A cookie is a piece of programming information contained in a very small text file that is placed in your Internet browser or elsewhere on your hard drive. You can control acceptance of cookies 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 block all cookies (including essential cookies) you may not be able to access all or part of our site and may be unable to use those services or engage in activities that require the placement of cookies. Aon uses cookies to distinguish you from other users of our website and to help us compile aggregate statistics about usage of our websites.

In addition, on some occasions, Aon may use tracking technologies such as web beacons, to collect information about your visits to Aon websites. These are small electronic images embedded in web content or e-mail messages and are ordinarily not visible to users. Like cookies, this tracking technology enables us to track pages and content accessed and viewed by users on Aon websites. The use of these technologies also helps us to provide you with a positive experience when you browse our websites, and it also helps refine our content and personalize your experience. For more detailed information, you may wish to visit our Cookie Notice.

For more detailed information about cookies, you may wish to visit www.allaboutcookies.org.

Links to Other websites: Aon websites may contain links to other sites which are outside our control and are not covered by this Statement. If you access other sites using the links provided, the operators of these sites may collect information from you which will be used by them in accordance with their privacy statement. We encourage you to read the privacy statements on other websites you visit. Aon is not responsible for the content or privacy practices of linked sites or any use of those sites.

Please be aware that Aon websites may contain links to sites maintained by other Aon entities that are not governed by this Statement but by other privacy statements that may differ slightly from this Statement. We encourage you to review the privacy statement of each website you visit.

Engage with Aon through Social Media

You can engage with us through social media websites or through features such as plug-ins or applications on Aon websites that integrate with social media sites. You may also choose to link your account with us to third party social media sites. When you link your account or engage with us on or through third party social media sites, plug-ins, or applications, you may allow us to have ongoing access to certain information from your social media account (e.g., name, e-mail address, photo, gender, birthday, the posts or the 'likes' you make).

If you post information when you interact with our websites through social media sites, plug-ins or other applications, depending on your privacy settings, this information may become public on the Internet. You can control what information you share through privacy settings available on some social media sites. For more information about how you can customize your privacy settings and how third party social media sites handle your personally identifiable information, please refer to their privacy help guides, privacy statements and terms of use.

Access our Websites through Mobile Devices

If you access our websites on your mobile telephone or mobile device, we may also collect your unique device identifier and mobile device IP address, as well as information about your device's operating system, mobile carrier and your location information.

When you provide us your mobile device phone number as your contact phone number, you consent to the use of your mobile device phone number for the purposes identified in this Statement. If you choose to receive notifications from us on your mobile device (e.g. text notifications), you also consent to the use of your mobile phone number for that purpose.

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How does Aon use your personal information?

The personal information we collect may be used to:

  • provide information and services as requested by you;
  • determine eligibility and process applications for products and services;
  • provide information and services as requested by clients;
  • understand and assess clients' ongoing needs and offer products and services to meet those needs;
  • carry out client communication, service, billing and administration;
  • administer claims;
  • conduct data analysis;
  • obtain and update credit information with appropriate third parties, such as credit reporting agencies, where transactions are made on credit;
  • execute monitoring and training;
  • develop new services;
  • market products and services (subject to appropriate consent); and
  • conduct processing necessary to fulfill other contractual obligations for the individual.

With your consent, we may also use your personal information for additional purposes.

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Does Aon disclose your personal information?

Business Partners

We disclose personal information to business partners that are necessary to provide our products and services. Examples include:

  • banking and finance products - credit and fraud reporting agencies, debt collection agencies, insurers, reinsurers, and managed fund organizations for financial planning, investment products and trustee or custodial services in which you invest
  • insurance broking and insurance products - insurers, reinsurers, other insurance intermediaries, insurance reference bureaus, medical service providers, fraud detection agencies, our advisers such as loss adjusters, lawyers and accountants and others involved in the claims handling process

We do not rent, sell or otherwise disclose personal information about our online visitors with unaffiliated third parties for their own marketing use.

Authorized Service Providers

We may disclose your information to service providers we have retained to perform services on our behalf. These service providers are contractually restricted from using or disclosing the information except as necessary to perform services on our behalf or to comply with legal requirements.

Legal Requirements and Business Transfers

We may disclose personal information (i) if we are required to do so by law or legal process, (ii) in response to law enforcement authority or other government official requests, (iii) when we believe disclosure is necessary or appropriate to prevent physical harm or financial loss, (iv) in connection with an investigation of suspected or actual illegal activity or (v) in the event that Aon is subject to a merger or acquisition to the new owner of the business. Disclosure may also be required for company audits or to investigate a complaint or security threat.

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Does Aon transfer your personal information across geographies?

Aon may transfer certain personal information across geographical borders to Aon entities or service providers in other countries working on our behalf in accordance with applicable law.

By providing us with your information or using our websites, you consent to the collection, international transfer, storage, and processing of your information. These transfers are governed by European Union (EU) standard contractual clauses, the U.S./EU Safe Harbor Framework or equivalent data transfer agreements to protect the security and confidentiality of personal information.

Upon written agreement with a Controller-client, Hewitt Associates LLC (d/b/a) Aon Hewitt and a subsidiary of Aon, will rely upon certification with the U.S.-EU Safe Harbor Framework and the U.S.-Swiss Safe Harbor Framework established by the U.S. Department of Commerce. Such certification is limited to clients and information systems of Aon Hewitt LLC’s human resources business process outsourcing service.

Hewitt Associates LLC complies with the U.S.-EU Safe Harbor Framework and the U.S.-Swiss Safe Harbor Framework as set forth by the U.S. Department of Commerce regarding the collection, use, and retention of personal information from European Union member countries and Switzerland. Hewitt Associates LLC has certified that it adheres to the Safe Harbor Privacy Principles of notice, choice, onward transfer, security, data integrity, access, and enforcement. To learn more about the Safe Harbor program, and to view Hewitt Associates LLC’s certification, please visit http://www.export.gov/safeharbor/

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How can you access and update your information?

Aon takes reasonable steps to keep your personal information accurate and complete. You can access or update your personal information in the following ways.

Profile

If you have created a profile or account on one of our websites, you can update your contact information after you log into your account.

Newsletters

If you request electronic communications, such as an e-newsletter, you will be able to unsubscribe at any time by following the instructions included in the communication.

Mobile Devices

If you previously chose to receive push notifications on your mobile device from us but no longer wish to receive them, you can manage your preferences either through your device or the application settings. If you no longer wish to have any information collected by the mobile application, you may uninstall the application by using the uninstall process available on your mobile device.

Cookies

As described in our Cookie Notice, you can adjust your browser settings to accept or refuse cookies.

Email

Contact us at the e-mail or postal address listed in the "Contact Us" section at the bottom of this Statement. Please include your current contact information, the information you are interested in accessing and your requested changes. We will provide you access to the personal information requested, subject to reasonable limitations provided by law, unless it infringes on the privacy of other individuals.

If we do not provide you with access, we will provide you with the reason for refusal and inform you of any exceptions relied upon.

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Does Aon have security measures in place to protect your information?

Aon has implemented reasonable physical, technical and administrative security standards to protect personal information from loss, misuse, alteration or destruction.

Our service providers and agents are contractually bound to maintain the confidentiality of personal information and may not use the information for any unauthorized purpose.

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Does Aon collect information from children?

Our websites are not directed to children and we do not knowingly collect personal information from children on our websites.

Contact Us

If you have any questions relating to this Statement, please contact us at the Aon Global Privacy Office, Aon plc, 200 E. Randolph, Chicago, Illinois 60601 or privacy@aon.com.

Changes to this Statement

We may update this Statement from time to time. We encourage you to periodically review this Statement so that you will be aware of our privacy practices. This Statement was last updated on February 1, 2013.

click here to view country-specific privacy statements.

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Cookies

By using the Aon.com website, you agree that we can place cookies on your device as described in our Privacy Statement and this Cookie Notice.

What are cookies?

A cookie is a piece of information contained in a very small text file that is stored in your Internet browser or elsewhere on your hard drive. Cookies allow a website to identify a user's device whenever that user returns to the website and are commonly used in order to make websites work more efficiently and enrich the user experience, as well as to provide information to the owners of the site.

Aon's use of cookies

Aon collects information during your visit to an Aon website through the use of cookies. We use these cookies for a variety of reasons, most commonly to distinguish you from other users of our websites and to help us compile aggregate statistics about usage of our websites. We also use cookies to help us provide you with a positive experience when you browse our website, help improve our content, and to personalize your visit.

Aon's use of web beacons

Aon may also use tracking technologies called web beacons to collect information about your visit to Aon sites. These are small images embedded in web content and HTML-formatted email messages and are ordinarily not visible to users. Like cookies, this technology enables us to track pages and content accessed and viewed by users on Aon sites. Also, when we send HTML-formatted (as opposed to plain text) emails to our users, this technology may be embedded in such emails. Using web beacons allows us to determine whether emails have been opened or links were accessed, and identify aggregate trends, individual usage, and generate statistics about how our site is used. This enables us to provide our users with more relevant content or additional information about our services.

Web beacons are often used in combination with cookies; however unlike cookies, web beacons cannot be declined when delivered via a regular web page. However, they can be refused when delivered via email. If you do not wish to receive this technology via email, configure your email software to disable HTML images or refuse HTML emails (selecting the option for text only viewing). Setting your browser to decline cookies or to prompt you for an opt-in response before cookies are set will also reduce web beacons' functionality.

Main Aon cookies

The table below is a list of the main cookies set by Aon websites. We also are providing both the purpose and the name of each cookie. Please note that we may from time to time modify or update our cookies. When that happens, we will update this list accordingly.

Category of Cookies Purpose Name
Analytics Cookies - These cookies are used to estimate our audience, identify usage patterns, and speed up searches.
Omniture Site Catalyst Cookies At Aon, these cookies are "first party cookies." This marks all Omniture cookies as permanently belonging to Aon.com and they are unable to be read by other websites. This cookie is set and read by JavaScript code to determine if cookies are enabled (simply set to "True") s_cc
s_vi [ID]
Google Analytics Cookies These cookies are used to collect information about how visitors use our site. We use the information to compile reports and to help us improve the site. The cookies collect information in an anonymous form, including the number of visitors to the site, where visitors have come to the site from and the pages they visited.

Google stores the information collected by the cookie on servers in the United States. Google may also transfer this information to third parties where required to do so by law, or where such third parties process the information on Google's behalf. Google will not associate your IP address with any other data held by Google. By using the Aon.com site, you consent to the processing of data about you by Google in the manner and for the purposes set out above.

Click here for an overview of privacy at Google.
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intcmp_cookie
utm_source
utm_medium
utm_channel
utm_term
utm_content
utmc
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utma
utmb
WRUID
Session Cookies These cookies are used to maintain your transaction. Generally your session cookies expire when your browser is closed. The use of the session cookies reduces the need for Aon to transfer your information over the Internet. ASP.NET_SessionId
Web Beacons Web beacons are clear picture files (clear .gif files) that allow Aon to track user interactions. Aon may use web beacons in e-mail messages or newsletters in order to determine whether messages have been opened or links were accessed. They also allow Aon to track customer actions on aon.com in order to tailor our services to you. Customized content is influenced by your interaction with Aon, including the pages viewed, offers that you show an interest in, and responses provided to survey questions. EloqGUID
Functionality Cookies - These cookies are used to recognize repeat visitors to the site and allow the website to remember the choices you make (such as user name, language or the region you are in). They are often used to record specific browsing information (including the way you arrive on the site, the pages you view, options you select, information you enter and the path you take through the site) against an individual customer profile.
Country Preference Cookies These cookies are used to record your country preference. They allow the selected country page to be presented to the visitor without re-entry of country preference during each visit to the website. CMSPreferredCulture
Language Preference Cookies These cookies are used to record preferred language. They allow the preferred language to be displayed to the visitor without re-entry of language preference during each visit to the website. CMSPreferredCulture
Content Management System Cookie Denotes the way the site is being viewed (Live Site/Design Mode, etc.) ViewMode
CMSPreferredUICulture
Authentication Management Contains your authentication ticket information. ASPXFORMSAUTH
Third-Party Cookies - We have also developed relationships with carefully selected and monitored partners to assist in the delivery of a quality website. Some of these partners may set cookies during your visit to track the performance of marketing campaigns and/or meet contractual obligations with Aon. While these cookies do not store any personal details relating to you, we do not have access or control over the cookies and similar technologies that our partners use.
Tracking Cookies Cookies are used by these partners to track the performance of recruitment marketing campaigns. fls.doubleclick.net
Oracle Taleo Enterprise Cookies Cookies are used by this partner to ensure that the Taleo recruiting service is maintained, and the end user’s correct information is retrieved and stored accurately. These cookies are created when the Taleo session is started at login and will expire as soon as the end-user logs out or the session expires. JSESSIONID
Data collected by the cookie: HTTP Session ID and the JBOSS ID.

ARG_SESSIONID
Data collected by the cookie: Encoded user session ID.

How to control cookies

You can control acceptance of cookies 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 block all cookies (including essential cookies) you may not be able to access all or part of our site and may be unable to use those services or engage in activities that require the placement of cookies.

To disable cookies:

  • If you are using Internet Explorer 8.0+:
    • Go to "Tools" in the menu bar and then click on "Internet Options"
    • Click on "Privacy" Tab on top
    • Move the slider up to the "Block all the Cookies" setting
  • If you are using Firefox 4.0+:
    • Go to "Tools" in the menu bar
    • Click on "Options"
    • Click on "Privacy Tab"
    • Disable the box that says "Tell websites I do not want to be tracked"
  • If you are using Google Chrome:
    • Go to "Tools Menu"
    • Click on "Settings"
    • Click on "Advanced Settings"
    • Click on "Privacy/Content Settings"
    • "Cookies" should be selected. Once done select "Block third party cookies and site data"
  • If you are using Safari 5.0:
    • Choose Safari > Preferences and click "Security."
    • In the "Accept Cookies" section, specify if and when Safari should accept cookies from websites. To see an explanation of the options, click the Help button (looks like a question mark). If you have set Safari to block cookies, you may need to temporarily accept cookies to open a page. Repeat the above steps, selecting Always. When you’re done with the page, turn off cookies again and remove the page’s cookies.

For more detailed information on how to control cookies you may wish to visit www.allaboutcookies.org

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