Aon plc
Financials
30
out of 100. Number 390 of 512, counting from the worst.
Where Aon plc does well
- Arbitration 0 of 20. Nothing found.
- Renewals 0 of 20. Nothing found.
- No forced arbitration or class-action waiver exists anywhere in Aon's website terms — customers keep full court rights, which is rare among large companies.
- Aon explicitly says it does not knowingly collect data from children.
- Sensitive data (health, criminal records) is limited to 'strictly relevant' collection.
- And unusually for an insurance broker, Aon discloses that its subsidiaries may earn commissions from insurers and offers to provide a detailed year-end compensation summary on request.
Aon pools client data — names, industry codes, policy types, expiration dates, insurer details — and lets its own affiliates use it to sell consulting services to insurance companies, earning extra compensation.
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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Aon pools client data — names, industry codes, policy types, expiration dates, insurer details — and lets its own affiliates use it to sell consulting services to insurance companies, earning extra compensation. Aon's clients are the policy buyers; the insurers it advises for pay are often the other side of the table.
In addition to being used for the benefit of Aon's clients, these databases also may be accessed by other Aon affiliates for other purposes, including providing consulting, and other services to insurance companies for which Aon or its affiliates may earn compensation.
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Your data can go to insurers, underwriters, brokers, credit-reference and criminal-record agencies, fraud-prevention outfits, and loosely defined 'business partners' like sponsors and joint-venture entities. A very wide circle for a broker you may never have chosen directly.
We may from time to time share your personal information with the following categories of recipients... (b) insurance market participants... insurers and insurance underwriters, reinsurers, brokers, intermediaries and loss adjusters... (c) vetting and risk management agencies: such as credit reference, criminal record, fraud prevention, data validation and other professional advisory agencies... (j) business partners: such as joint venture entities, sponsors and/or other third-party business partners who collaborate or co-operate with Aon on projects, events, products or Services.
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A computer can automatically reject your insurance application and set your price using models built from your personal data — including sensitive data. You do get a right to demand a human re-review, but the default is algorithmic refusal.
We may carry out a real-time automated assessment to determine whether you are eligible to receive the Service and to calculate your premiums... Your personal information (including sensitive personal information) may therefore be matched against models and also used to create models... Where your application to receive the Service does not appear to meet the eligible criteria, it may be automatically refused.
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Aon keeps your personal data after you stop being a client, with no stated end date, keeps anonymized versions forever, and can extend retention whenever it thinks a lawsuit might be on the horizon.
These records are retained for predefined retention periods that may extend beyond the period for which we provide the Services to you... We may retain anonymised information indefinitely... In some cases, we may retain personal information if we reasonably believe there is a prospect of litigation.
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Aon can change its privacy rules whenever it wants and doesn't promise to tell you — you are told to keep checking the website yourself. Miss a visit, miss the change.
This Statement is not contractual, and Aon reserves the right to reasonably amend it from time to time... Any updates or changes to this Statement will be made available to you on our website. You should periodically review this Statement to ensure you understand how we collect and use your personal information.
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Everything on Aon's site is offered 'as is' with zero warranty, and Aon disclaims liability for any damages from using it — no matter how they happen. Unusually absolute even by corporate-terms standards.
AON HAS NOT MADE AND DOES NOT MAKE ANY WARRANTY OF ANY KIND WHATEVER, EXPRESS OR IMPLIED, WITH RESPECT TO THE CONTENTS OF THIS SITE; AND ALL IMPLIED WARRANTIES OF MERCHANTABILITY, TITLE, NON-INFRINGEMENT AND FITNESS FOR A PARTICULAR PURPOSE ARE HEREBY DISCLAIMED BY AON. AON WILL NOT BE LIABLE TO ANYONE WITH RESPECT TO ANY DAMAGES, LOSS OR CLAIM WHATSOEVER, NO MATTER HOW OCCASIONED...
How these were found
Read directly from aon.com via browser_open on 2026-10-01 (no mirrors needed): the Aon Legal Notice (Terms of Use) and the Global Privacy Statement (page states it was last updated 20 December 2024). Aon is primarily a B2B insurance broker and consultant, so its public legal surface is thin — there is no consumer-facing Terms of Service, no subscription/cancellation flow, and no arbitration clause at all, which naturally keeps arbitration, auto-renew, and unilateral-price-change scores near zero. The clauses found skew toward privacy/data-use rather than classic consumer sneaky terms. Global transfers include countries without EU/UK adequacy decisions (Aon says standard contractual clauses apply). Scores are editorial; the score is deliberately modest given the limited consumer surface.
These notes come from the original draft and are not independent verification.