2.1 When we collect Personal Information, we will identify the purpose for which the Personal Information is required in a way that an individual can reasonably understand how that information will be used or disclosed.
2.2 We will only collect, use and disclose Personal Information from our customers and employees for the following business reasons:
(a) to determine which of our products and related services meet the needs of individual customers;
(b) to process applications for insurance and assess risk;
(c) to make underwriting decisions regarding the insurability of a transaction;
(d) to investigate and adjudicate claims made under our policies, including investigations by third parties hired by STGC;
(e) to develop, enhance, market or provide products and services;
(f) to manage and continually develop our businesses and operations, including personnel and employment matters;
(g) to investigate and detect potentially fraudulent transactions;
(h) for the purpose, where required, of obtaining reinsurance; and
(i) to meet legal and regulatory requirements.
2.3 We may also sell, transfer and disclose your Personal Information as part of a business divestiture, sale, merger, reorganization, or acquisition of all or a part of our business.
2.4 If we want to use Personal Information for a purpose other than what was identified at the time the Personal Information was collected, then we will obtain the prior consent of the individual to that additional use.
2.5 When you visit STGC’s websites, if you do nothing during your visit but browse through the information contained on the web pages, we still may gather certain information about your visit automatically. This information does not identify you personally. We may automatically gather the Internet domain (for example, 'companyx.com' if you use a private Internet access account), IP address (an IP address is a number that is automatically assigned to your computer whenever you are surfing the web) from which you access our websites, and the date and time you access our website, and the pages you visit.
We may use 'cookies' to improve our service to you. Cookies may help us recall a previous visit. The cookies we use do not collect personally identifiable information, and we do not use them to determine your identity. If you are not comfortable with this use, you may configure your browser to be notified when cookies are to be received and to provide you with the option of refusing cookies. However, refusing cookies may limit your ability to use our websites in their entirety.