Privacy Policy
How FjordMetric collects, uses, protects, and manages personal information you provide through our website and insurance services.
FjordMetric is committed to safeguarding your privacy and the confidentiality of your personal information. This notice explains how we collect, use, protect, and manage personal information you provide to us — including when information may be disclosed to third parties or transferred internationally.
By using our website or services, you agree to the practices described in this policy, including our use of cookies as explained in the Cookie Policy section and your choices in the cookie banner. Please also review our Terms of Use.
Information we collect
Depending on how you interact with us, we may collect:
- Website usage data — such as pages visited, time of visit, IP address, cookie identifiers, browser type, referring URL, and device or operating system information.
- Contact and account details — such as name, business name, email address, mailing address, and telephone number when you request a quote, apply for coverage, register for an account, subscribe to updates, or complete a form.
- Insurance and claims information — such as shipment details, values, routes, loss or damage descriptions, supporting documentation, financial or payment information needed to underwrite policies or process claims, and recordings of calls with our representatives or authorized service partners.
- Employment-related information — when you apply for a role with us or work with us as a contractor.
You may browse portions of our site without providing identifying information. When you request coverage or file a claim, certain information is required to provide our services.
Why we collect, hold, use, and disclose personal information
We collect, hold, use, and disclose personal information so we can:
- Arrange, administer, and renew cargo and shipping insurance.
- Conduct risk analysis, underwriting, and pricing.
- Manage claims, including investigation, adjustment, and settlement.
- Process transactions and payments.
- Personalize your experience (for example, pre-filling forms you have started).
- Respond to inquiries, complaints, and disputes.
- Meet legal, regulatory, audit, and compliance obligations.
- Send service-related communications and, where permitted, updates about our products.
Without your personal information, we may not be able to issue coverage, administer your policy, answer your questions, or process a claim.
Types of personal information we may hold
For insureds, claimants, brokers, and business contacts, this may include some or all of the following:
- Name, address, email, and telephone number(s).
- Date of birth or business registration details, where relevant.
- Financial and account information to underwrite insurance and process payments.
- Medical or injury-related information when relevant to a claim.
- Information required for sanctions or compliance screening, where applicable.
We do not sell personal information to marketing companies.
How we collect personal information
We collect information directly from you, your authorized representatives, brokers, integrated platforms, and — where appropriate — third parties such as carriers, warehouses, or loss adjusters involved in a shipment or claim.
Disclosure to third parties
We may share personal information with parties that help us operate our business, as permitted by applicable law, including:
- Brokers, agents, distributors, and program administrators.
- Claims managers, loss adjusters, investigators, and emergency or repair providers.
- Insurers, reinsurers, and insurance reference bureaus.
- Banks and payment processors.
- Technology, hosting, and professional service providers bound by confidentiality obligations.
- Government authorities, regulators, and dispute-resolution bodies when required or permitted by law.
- Related companies within our corporate group for administrative and reporting purposes.
Your information will not be sold, exchanged, or transferred to unrelated third parties for their own marketing without your consent, except as described in this policy or as required to deliver the service you requested.
International disclosure
As a global cargo insurance provider, we may disclose personal information to offices, partners, or service providers in countries other than your own. Data-protection laws may differ in those locations. Where we transfer information internationally, we take reasonable steps to ensure recipients handle it securely and only for the purposes described above.
Cookies and similar technologies
This section explains how FjordMetric uses cookies, local storage, and related technologies when you visit fjordmetric.com. It should be read together with the rest of this Privacy Policy and our Terms of Use.
What are cookies?
Cookies are small text files placed on your device when you visit a website. We also use similar technologies such as local storage (for example, to remember your cookie preference). Cookies help sites function, remember settings, and — where you agree — understand how visitors use a site.
Your choices (cookie banner)
When you first visit our site, a cookie banner appears at the bottom of the page. You must choose one of the following before the banner is dismissed:
- Accept all — allows essential technologies plus optional analytics and measurement cookies described below (where we use them).
- Essential only — allows only strictly necessary technologies required to operate the site and store your cookie choice. Optional analytics cookies are not used.
Your selection is stored in your browser (see FjordMetric_cookie_consent below) so we do not ask again on every visit unless you clear site data or we update our cookie policy in a way that requires renewed consent.
You can change your mind at any time by clearing cookies and local storage for this site in your browser settings, then reloading the page to see the banner again. For questions, contact coverage@fjordmetric.com.
Categories of cookies we use
| Category | Purpose | Requires consent? |
|---|---|---|
| Strictly necessary | Site security, load balancing, cookie consent storage, basic functionality | No — always active |
| Preferences | Remember choices you make (including cookie consent) | No — tied to necessary operation |
| Analytics & performance | Understand traffic, pages viewed, and how visitors use the site to improve content and services | Yes — only if you click Accept all |
| Marketing | We do not use advertising or retargeting cookies on this site | Not applicable |
Specific cookies and storage items
| Name | Type | Provider | Retention | Purpose |
|---|---|---|---|---|
FjordMetric_cookie_consent |
Local storage | FjordMetric (first party) | 12 months (or until cleared) | Stores your cookie choice (all or essential) and policy version |
| Session / security cookies | Cookie (if set by host) | FjordMetric / hosting provider | Session | Technical operation and security of the website |
| Google Fonts | Third-party request | Google LLC | Per Google's policies | Delivery of web fonts used for site typography; may involve IP address processing |
| Analytics cookies (e.g. _ga) | Cookie | Third-party analytics (if enabled) | Up to 24 months typical | Only placed after Accept all; used to measure site usage |
We may enable additional analytics tools in the future. When we do, we will update this table and, where required, request your consent through the cookie banner before those tools run.
Third-party content and links
Our site may link to external websites (for example, carriers or partners). Those sites have their own cookie policies. Embedded content or tools added in the future will be listed here when relevant.
How to control cookies in your browser
Most browsers let you block or delete cookies. Instructions are usually found under Privacy, Security, or Site settings. Blocking all cookies may prevent the consent banner from remembering your choice and can limit site functionality.
Do Not Track and targeted advertising
We do not respond to all “Do Not Track” browser signals in a uniform way because industry standards vary. We do not sell personal information for cross-context behavioral advertising. To opt out of targeted advertising associated with our brand or to exercise privacy rights, contact coverage@fjordmetric.com.
Updates to this cookie notice
We may update this section when we change how cookies are used on our site. The “Last updated” date at the top of this policy will change accordingly. Material changes may require us to show the cookie banner again.
How we protect your information
We implement administrative, technical, and physical safeguards designed to protect personal information when you submit it through our site or other channels. Sensitive payment data submitted online is transmitted using encryption (such as SSL/TLS) and processed through secure payment providers. Access to personal information is limited to personnel and contractors who need it for their role.
How long we retain information
We retain client and policy-related records for as long as needed to administer coverage, handle claims, and satisfy legal and regulatory requirements — including minimum retention periods applicable to insurance records in relevant jurisdictions. When retention is no longer required, we take reasonable steps to delete or anonymize information so it cannot reasonably be linked to an individual.
Access and correction
We take reasonable steps to keep personal information accurate, complete, and up to date. You may request access to or correction of information we hold about you by contacting us below. We may need to verify your identity (for example, full name, date of birth, and details of your request) before responding. If you act on another person's behalf, we may require their written authorization.
We may refuse access where permitted by applicable privacy law. There is generally no fee to request correction; a reasonable charge may apply for extensive access requests where the law allows.
California and other privacy rights
Where applicable, we honor rights under laws such as the California Online Privacy Protection Act (CalOPPA) and similar state or regional frameworks. Residents of certain jurisdictions may have additional rights to know, delete, or limit use of personal information — contact us to exercise those rights, subject to legal exceptions.
Children's privacy
Our website and services are directed to businesses and adults. We do not knowingly collect personal information from anyone under 13 years of age. If you believe we have collected information from a child, please contact us so we can delete it.
Scope of this policy
This online privacy policy applies to information collected through our website and related digital channels. Information collected offline (for example, through paper applications or telephone) is handled under the same principles where practicable.
Updates to this policy
We may update this privacy policy from time to time. Changes will be posted on this page and take effect when published. Please review this page periodically.
Contact us
Questions about this policy or our data practices may be directed to:
FjordMetric
6206 E Trent Ave, Spokane Valley, WA 99212, USA
Email: coverage@fjordmetric.com
Phone: +1 (509) 463-6238
For data-protection inquiries, you may also write to privacy@fjordmetric.com.