American International Group
Financials
37
out of 100. Number 328 of 512, counting from the worst.
Where American International Group does well
- Arbitration 0 of 20. Nothing found.
- Renewals 0 of 20. Nothing found.
- No forced arbitration or class-action waiver appears anywhere in the public Terms of Use, a rare clean spot for a large insurer.
- The Terms explicitly state they 'do not change or alter any other contract or agreement between you and AIG' and direct customers to their policy documentation, so website fine print doesn't silently rewrite coverage.
- The CCPA notice lays out in a table exactly which data categories are sold/shared to 'Marketing partners' and offers a 'Do Not Sell or Share My Personal Information' link plus a Privacy@aig.com opt-out email.
- There are no consumer auto-renew or subscription cancellation traps on the public surface, and the IP-grab clause expressly excludes personal data.
AIG can rewrite the site's rules whenever it wants and never has to tell you; just visiting the site again means you've silently agreed to the new version.
The fine print
6 clauses and findings from the draft archive, dated 1 October 2026. The plain English comes first; the small print is the company's own words. None of these has been checked yet.
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AIG can rewrite the site's rules whenever it wants and never has to tell you; just visiting the site again means you've silently agreed to the new version.
These Terms of Use may be revised by AIG at any time, without advanced notice, by updating this posting. You will be bound by any such revisions and should therefore periodically visit this page to review the then-current conditions to which you are bound.
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Anything you send AIG through the site that isn't personal data — feedback, suggestions, ideas, questions — permanently becomes AIG's property, and they can turn your ideas into products without paying or crediting you.
Any information, other than personal data or personal information you transmit to AIG via the Website, by electronic mail or otherwise, including data, questions, comments, or suggestions, will be treated as non-confidential and non-proprietary and will become the property of AIG... AIG is free to use any ideas, concepts, know-how, or techniques contained in any communication you send to AIG via the Website or by any other means for any purpose whatsoever, including, but not limited to, developing and marketing products using such information, without any obligation to you.
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If your use of the site (or a breach of the terms) triggers a legal claim, you pay to defend AIG — including its lawyers' fees — and AIG can seize control of the legal defense at your expense.
You agree to defend, indemnify, and hold harmless AIG, including its subsidiaries, Affiliates, and their respective successors, assigns, officers, directors, employees and agents from and against any claim, demand, cause of action, debt, loss, liability, damages or costs, including, without limitation, reasonable attorneys' fees... AIG reserves the right, at your expense, to assume exclusive defense and control of any matter otherwise subject to indemnification by you.
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Because the website is free, AIG's liability cap is effectively zero — even if the site's negligence causes you direct losses, you can recover at most the nothing you paid to visit.
In no event shall AIG's total liability to you for all damages, losses, and causes of action exceed the amount paid by you, if any, for accessing the Website.
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AIG discloses it sells and shares for targeted advertising: identifiers (name, online IDs), customer-records data (policy number, education, employment, financial and medical information), protected-class characteristics (sex, age, race, religion, national origin, disability, medical conditions, citizenship, immigration and marital status), commercial info, browsing history, and geolocation — sold to 'Marketing partners' and shared with marketing partners and affiliates.
The chart also details the categories of personal information that we 'sell' or 'share' for purposes of cross-context behavioral advertising, including within the 12 months preceding the date this notice was last updated... The CCPA defines a 'sale' broadly as any disclosure of personal information for payment or other valuable consideration, including certain types of targeted advertising.
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AIG gives no fixed deletion timeline — data is kept 'as long as needed or permitted' — and your information can be handed to a third party wholesale if AIG sells or restructures the business.
We retain each category of personal information that we collect for as long as needed or permitted in light of the purpose(s) for which it was collected... We may disclose your personal information to third parties in connection with any reorganization, financing transaction, merger, sale, joint venture, partnership, assignment, transfer, or other disposition of all or any portion of our business, assets, or stock (including in connection with any bankruptcy or similar proceedings).
How these were found
Documents read directly via browser_open on aig.com (no mirrors used). Terms of Use last updated February 2023; Privacy Policy page last updated August 8, 2025 (landing/stub page only — the substantive content appears to live in supplemental privacy notices linked from it, which were not individually reviewed); California Consumer Privacy Act Notice last updated December 18, 2025. AIG is primarily a commercial insurer: its CCPA notice explicitly does not cover individual consumers buying products for personal, family or household use (life, travel, homeowners), who receive a separate federal-law privacy notice at account opening — those consumer policy documents were not publicly accessible and were not reviewed. No arbitration, auto-renew, or consumer-facing cancellation language was found on the public surface; score reflects only what the public documents actually contain.
These notes come from the original draft and are not independent verification.