Arthur J. Gallagher & Co.
Financials
31
out of 100. Number 381 of 512, counting from the worst.
Where Arthur J. Gallagher & Co. does well
- Arbitration 2 of 20. Few problems found.
- Renewals 1 of 20. Few problems found.
- No forced arbitration: disputes must be brought in a court of competent jurisdiction in Illinois — you keep access to the courts and there is no class-action waiver in the website terms, which is better than many financial companies.
- The privacy notice states 'We do not share mobile phone numbers (SMS) or the related consent data obtained for sending our marketing or promotional materials via SMS with third parties for their own marketing or promotional purposes.'
- Privacy requests get a response within 30 days, 'usually not charge[d]', and Gallagher requires third parties to maintain a 'comparable level of protection' of personal data via contractual requirements.
- No auto-renewal or cancellation trap exists on the consumer-facing website (there are no consumer subscriptions with recurring billing), and the investor-alert signup explicitly promises not to share your information with any third party.
Gallagher can rewrite the terms whenever it wants, just by posting them on the website.
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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Gallagher can rewrite the terms whenever it wants, just by posting them on the website. You are obligated to keep checking, and simply continuing to use the site counts as agreeing to changes you may never have seen.
Gallagher reserves the right, at its discretion, to change, modify, add or remove portions of these Terms at any time by posting such changes to this Website. You understand that you have the affirmative obligation to check these Terms periodically for changes, and you hereby agree to periodically review these Terms for such changes. The continued use of the Website following the posting of any such modifications to these Terms will constitute your acceptance of such changes.
Terms of Use (ver. effective February 2019, mirrored verbatim)
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Prices can change at any time without warning, and Gallagher can cancel your purchase and correct 'errors' even after you have been charged — your only remedy is a credit back.
Prices and availability of products are subject to change without notice. Errors will be corrected where discovered, and Gallagher reserves the right to revoke any stated offer and to correct any errors, inaccuracies or omissions including after an order has been submitted and whether or not the Order has been confirmed and your payment method accepted and charged.
Terms of Use (ver. effective February 2019, mirrored verbatim)
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Your personal data can flow to a long list of third parties (group companies, insurers, brokers, service providers, debt collectors, credit agencies, even buyers of Gallagher's business), and Gallagher disclaims responsibility for what those third parties do with it once it leaves their hands.
We may also share your personal data with the following third parties... Asset purchasers, such as those who may purchase or to whom we may transfer our assets and business... To the extent permitted by applicable law, we disclaim all liability for the use of your personal data by third parties.
Gallagher Global Privacy Notice, updated 01 March 2025 (official ajg.com PDF)
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Gallagher collects deeply sensitive data about you — health, genetics, biometrics, criminal records — often not from you but from third parties like credit agencies, fraud databases, police, and public records, without you necessarily ever being told directly.
We collect the following types of personal data... Special category data and sensitive personal data, such as data relating to your health (including protected health information), genetic or biometric data, sex life, sexual orientation, gender identity, racial or ethnic origin, political opinions, religious or philosophical beliefs and trade union membership... [collected] From our clients and partners... Publicly available sources... Background checks and screening tools, such as insurance industry fraud prevention and detection databases, credit agencies and sanctions screening tools.
Gallagher Global Privacy Notice, updated 01 March 2025 (official ajg.com PDF)
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There are no fixed retention periods — Gallagher keeps your data as long as its 'business needs' require, decides that itself, and can keep using de-identified versions of it for analytics forever.
We keep your personal data for as long as reasonably necessary to fulfil the purposes set out in this Privacy Notice based on our business needs and legal requirements. When we no longer need your personal data, we deidentify or aggregate the data or securely destroy it based on our retention policy. Please note that deidentified or aggregated data is not treated as personal data under this Privacy Notice and may be used for analytics purposes.
Gallagher Global Privacy Notice, updated 01 March 2025 (official ajg.com PDF)
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Any feedback, ideas, or materials you send Gallagher become their property permanently — they own the copyright worldwide and you waive any moral rights in it.
If you submit Feedback to Gallagher, please note that your Feedback shall become the property of Gallagher. By submitting your Feedback to Gallagher, you agree to assign, and hereby irrevocably assign to Gallagher, all right, title and interest in and to the Feedback and all copyrights and other intellectual property rights embodied in such Feedback on a worldwide basis... You hereby assign and/or waive, as the case may be, any moral rights that you may have in or to the Feedback.
Terms of Use (ver. effective February 2019, mirrored verbatim)
How these were found
Terms of Use read via a verbatim mirror on bluepeakadvisors.com (BluePeak Advisors is a Gallagher subsidiary; the mirror states the Terms govern www.AJG.com and are 'Effective as of February 2019'). ajg.com's own Terms of Use page was not directly fetched, but the text is presented as Gallagher's official corporate terms. Privacy findings come from the Gallagher Re 'Global Privacy Notice and Addendum - Canada - English' PDF on the official ajg.com domain (Global Privacy Notice updated 01 March 2025; Canada Addendum updated 15 October 2025) — the notice states it applies to Arthur J. Gallagher & Co. and all affiliates/subsidiaries globally. Gallagher is a B2B insurance broker with a thin consumer surface; the website terms are generic corporate-site terms and the privacy notice is brokerage-operations-oriented, so the score is kept modest. No auto-renew consumer subscriptions exist on the public site, and no evidence of 'selling' personal data for advertising was found. Note: the 2020 ransomware breach affecting ~7,376 individuals was covered by third-party press, not Gallagher's own documents, so it was not scored as a clause finding.
These notes come from the original draft and are not independent verification.