Privacy Policy
Which personal information Norvalis Group collects, what we do with it, who else may handle it, and the choices that remain yours, on norvalisgroup.com and in the cover we write.
Norvalis Group Cargo Underwriters, Inc. (“Norvalis Group”, “we”, “us”) is responsible for the personal information described in this policy. The policy explains what we collect when you deal with us, why we need it, who else may handle it, including recipients in other countries, and the choices you have.
Using norvalisgroup.com or our services means you accept the practices described here, including the cookie and analytics practices in the section headed Cookies and similar technologies and the options presented in our cookie banner. Read this policy together with our Terms of Use.
Scope of this policy
This policy covers information collected through norvalisgroup.com and our other digital channels. Information that reaches us another way, for instance in a broker’s email or a phone call to the loss line, is handled on the same principles wherever that is practical.
Who is responsible for your information
Send privacy questions and complaints, and any request to see or amend your records, to the address below. We aim to acknowledge each message within a few business days:
Norvalis Group Cargo Underwriters, Inc.
7 E Congress St, Suite 500, Savannah, GA 31401, USA
Email: team@norvalisgroup.com
Phone: +1 (912) 555-0154
If your question is specifically about data protection, you may also write to privacy@norvalisgroup.com.
Information we collect
What we collect depends on how you work with us. It falls into four groups:
- Visits to the site: pages viewed and when, IP address, cookie identifiers, browser and operating system, device type, and the page that sent you here.
- Who you are and how to reach you: name, employer, email, mailing address, and phone number, given when you request a quote, apply for cover, open an account, subscribe to updates, or complete any form.
- Policy and claims files: shipment details, declared values, routings, descriptions of damage or loss, supporting photographs and documents, the payment details needed to bind cover or pay a claim, and recordings of calls with our team or appointed service partners.
- Applicants and contractors: information you provide when applying for a role, including the Independent Shipment Inspector program, or when supplying services to us.
You can read most of the site without identifying yourself. Binding cover or filing a claim is different: there is information we cannot proceed without.
How it reaches us
Most of it comes directly from you or from someone acting on your behalf: a broker, an authorized representative, a freight forwarder, or a platform integrated with ours. When a shipment or claim involves other parties (carriers, warehouse operators, surveyors, loss adjusters), they may also pass relevant information to us.
The kinds of records we hold
For policyholders, claimants, brokers, and other business contacts, our files may contain any of the following:
- Name, mailing address, email address, and phone number(s).
- Date of birth or company registration details, where relevant to the cover.
- Bank and account details used to underwrite cover and to make or receive payments.
- Medical or injury information where a claim requires it.
- Information needed for sanctions and compliance screening, where that applies.
Norvalis Group does not sell personal information to marketers, data brokers, list vendors, or anyone else.
Why we use it
We collect and use personal information so that we can:
- Quote, bind, service, and renew cargo and shipping cover.
- Assess risk, underwrite, and price premiums.
- Handle claims from first notice through investigation, adjustment, and payment.
- Collect premiums and process other transactions.
- Make the site easier to use, for example by restoring a form you left half-finished.
- Respond to enquiries and resolve complaints or disputes.
- Meet legal, regulatory, audit, and compliance obligations.
- Keep you informed about your cover and, where the law allows, about other products we offer.
If we cannot obtain the information we need, we may be unable to quote, bind or service cover, respond to your enquiry, or pay a claim.
Who else sees it
Where the law allows, we share personal information with organizations that help us run the business, including:
- Brokers, agents, distribution partners, and program administrators.
- Claims handlers, marine and cargo surveyors, loss adjusters, investigators, and salvage or repair contractors.
- Insurers, reinsurers, and industry reference databases.
- Banks and payment processors.
- Hosting, software, and professional advisers bound by confidentiality obligations.
- Regulators, government agencies, courts, and dispute-resolution bodies where the law requires or permits.
- Other companies in the Norvalis Group group, for administration and reporting.
We do not sell, trade, rent, or otherwise pass your information to unrelated organizations for their own marketing without your consent. Sharing stays within what this policy describes or what is necessary to provide the service you requested.
Moving information across borders
Cargo crosses borders, and so does the information needed to insure it. Our offices in Stavanger and Antwerp, together with partners and service providers elsewhere, may sit in countries whose data-protection rules differ from yours. Whenever information leaves your country we take reasonable steps to ensure the recipient protects it and uses it only for the purposes set out in this policy.
How long we keep it
Policy and client records remain on file for as long as we need them to service cover and handle claims, and for any longer period that legal and regulatory obligations require, including minimum retention periods imposed by insurance regulators where we operate. Once there is no longer a reason to hold information, we take reasonable steps to delete it or remove anything that could reasonably identify a person.
How we protect it
We keep administrative, technical, physical, and organizational safeguards in place to protect the personal information you send us, whether through the site or another channel. Payment details entered online travel over encrypted connections (SSL/TLS) and are processed by secure payment providers. Access to personal information is limited to staff and contractors whose roles require it.
Seeing and correcting what we hold
We try to keep the information we hold accurate and up to date. You can ask to see or amend your records using the contact details above. Before responding we may need to verify your identity, which means asking for your full name, date of birth, contact details, and the particulars of your request. If you are acting for someone else, we may ask for their written authority.
Applicable privacy law allows us to refuse certain access requests, and we will tell you when that is the case. There is no charge for correction requests; where the law permits, a reasonable fee may apply to unusually extensive access requests.
Additional rights under state and regional law
Where they apply, we honor the rights granted by the California Online Privacy Protection Act (CalOPPA) and comparable state or regional privacy laws. Residents of certain jurisdictions may be entitled to learn what we hold about them, correct it, request deletion, or restrict certain uses of their information. Contact us to exercise any of these rights; legal exceptions may apply.
Children
Norvalis Group works with businesses and adults, and we do not knowingly collect personal information from children under 13. If you believe a child has provided information to us, tell us and we will delete it.
Cookies and similar technologies
This section explains the cookies, local storage, and comparable tools used on norvalisgroup.com. It forms part of this Privacy Policy and should be read alongside our Terms of Use.
What cookies are
A cookie is a small text file that a website places on your device. We also use related mechanisms, local storage among them, for example to remember your cookie preference. These tools keep the site working and remember your settings. With your permission, they also show us how visitors move through the site.
The banner and your two choices
On your first visit a banner appears at the bottom of the page and stays there until you choose one of two options:
- Accept all: allows the essential tools plus the optional analytics and measurement cookies listed below, where we use them.
- Essential only: allows nothing beyond the strictly necessary tools that run the site and record your decision. No optional analytics cookies are set.
Your decision is stored in your browser (see norvalisgroup_cookie_consent below), so the banner does not reappear on every visit, unless you clear site data or we change this policy in a way that requires fresh consent.
To change your mind, clear this site’s cookies and local storage in your browser settings and reload the page; the banner returns. Questions are welcome at team@norvalisgroup.com.
Categories in use
| Category | Purpose | Requires consent? |
|---|---|---|
| Strictly necessary | Security, load balancing, remembering your consent decision, and core site functions | No, always active |
| Preferences | Keeps settings you have chosen, including your cookie decision | No, part of normal operation |
| Analytics & performance | Counts traffic and page views so we can improve content and services | Yes, placed only after you choose Accept all |
| Marketing | None. The site carries no advertising or retargeting cookies | Not applicable |
Named cookies and storage keys
| Name | Type | Placed by | Duration | Purpose |
|---|---|---|---|---|
norvalisgroup_cookie_consent |
Local storage | Norvalis Group (first party) | 12 months, or until you clear it | Stores your decision (all or essential) and the version of this policy you accepted |
| Session / security cookies | Cookie (where the host places one) | Norvalis Group / hosting provider | Session | Keeps the site secure and available |
| Google Fonts | Third-party request | Google LLC | Subject to Google's policies | Delivers the typefaces the site uses; may involve processing your IP address |
| Analytics cookies (e.g. _ga) | Cookie | Third-party analytics (when enabled) | Up to 24 months | Placed only after Accept all; measures how the site is used |
If we introduce analytics tools later, this table will be updated and, where the law requires, the banner will request your consent before they run.
Third-party links and embedded content
Links on this site may lead to external websites operated by carriers, ports, partners, or others, each with its own cookie practices. Should we embed third-party content or tools in future, they will be listed here.
Controlling cookies in your browser
All major browsers let you block or delete cookies; look under the Privacy or Site settings menu. Keep in mind that blocking cookies altogether may stop the banner from remembering your decision and can limit how the site works.
Do Not Track and targeted advertising
There is no uniform industry standard for “Do Not Track” browser signals, so we do not respond to every such signal in the same way. We do not sell personal information for cross-context behavioral advertising. To opt out of any targeted advertising associated with our brand, or to exercise other privacy rights, write to team@norvalisgroup.com.
Updates to this section
If our use of cookies changes, this section will be revised and the effective date at the top of the page updated. For a material change, the banner may reappear so you can choose again.
Changes to this policy
This policy will change from time to time. Updates are posted on this page and take effect on the date they appear, so please check back periodically.