![\"\"](\"https://storage.googleapis.com/kaggle-media/competitions/kaggle/4852/media/Kaggle_pic_1.PNG\")
You are provided with an anonymized dataset containing both categorical and numeric variables available when the claims were received by BNP Paribas Cardif. All string type variables are categorical. There are no ordinal variables.
\r\nThe \"target\" column in the train set is the variable to predict. It is equal to 1 for claims suitable for an accelerated approval.
\r\nThe task is to predict a probability (\"PredictedProb\") for each claim in the test set.
\r\nAs a global specialist in personal insurance, BNP Paribas Cardif serves 90 million clients in 36 countries across Europe, Asia and Latin America.
\r\nIn a world shaped by the emergence of new uses and lifestyles, everything is going faster and faster. When facing unexpected events, customers expect their insurer to support them as soon as possible. However, claims management may require different levels of check before a claim can be approved and a payment can be made. With the new practices and behaviors generated by the digital economy, this process needs adaptation thanks to data science to meet the new needs and expectations of customers.
\r\n
In this challenge, BNP Paribas Cardif is providing an anonymized database with two categories of claims:
\r\nKagglers are challenged to predict the category of a claim based on features available early in the process, helping BNP Paribas Cardif accelerate its claims process and therefore provide a better service to its customers.
", "isPublished": false, "hasIsPublished": false, "postTitle": "", "hasPostTitle": false, "mimeType": "", "hasMimeType": false }, { "name": "Evaluation", "content": "The evaluation metric for this competition is Log Loss
\r\n$$log loss = -\\frac{1}{N}\\sum_{i=1}^N {(y_i\\log(p_i) + (1 - y_i)\\log(1 - p_i))}$$
\r\nwhere N is the number of observations, \\\\(log\\\\) is the natural logarithm, \\\\(y_{i}\\\\) is the binary target, and \\\\(p_{i}\\\\) is the predicted probability that \\\\(y_i\\\\) equals 1.
\r\nNote: the actual submitted predicted probabilities are replaced with \\\\(max(min(p,1-10^{-15}),10^{-15})\\\\).
\r\nFor every observation in the test dataset, submission files should contain two columns: ID and PredictedProb. The file should contain a header and have the following format:
\r\nID,PredictedProb", "isPublished": false, "hasIsPublished": false, "postTitle": "", "hasPostTitle": false, "mimeType": "", "hasMimeType": false }, { "name": "Prizes", "content": "
0,0.5
1,0.5
2,0.5
7,0.5
etc.
You cannot sign up to Kaggle from multiple accounts and therefore you cannot submit from multiple accounts.
\r\n\r\n Privately sharing code or data outside of teams is not permitted.\r\n It's okay to share code if made available to all participants on the forums.\r\n
\r\n\r\n Team mergers are allowed and can be performed by the team leader. In order to merge, the combined team must have a total submission count less than or equal to the maximum allowed as of the merge date. The maximum allowed is the number of submissions per day multiplied by the number of days the competition has been running.
\r\n
There is no maximum team size.
\r\nYou may submit a maximum of 5 entries per day.
\r\nYou may select up to 2 final submissions for judging.
\r\nStart Date: 2/3/2016 8:48 PM UTC
\r\nMerger Deadline: 4/11/2016 11:59 PM UTC
\r\nEntry Deadline: 4/11/2016 11:59 PM UTC
\r\nEnd Date: 4/18/2016 11:59 PM UTC
\r\n\t\r\nEmployees of BNP Paribas S.A. and its subsidiaries who meet the eligibility criteria defined below must preface their team name with BNPP_.
\r\nCOMPETITION NAME (the 'Competition'): BNP Paribas Cardif Claims Management
\r\nCOMPETITION SPONSOR: BNP Paribas Cardif
\r\nBNP Paribas Cardif is a Société Anonyme (with stated capital of 149 959 051,20 € registered with the Paris Trade and Companies Registry under number 382 983 922 RCS PARIS, whose principal office is located at 1, boulevard Haussmann 75009 Paris
\r\nCOMPETITION WEBSITE: https://www.kaggle.com/c/bnp-paribas-cardif-claims-management
\r\nPRIZES: $30,000
\r\nThe 3 best Participants or Teams will win the following prices:
\r\n* $15,000 for the first one,
\r\n* $10,000 for the second one,
\r\n* $5,000 for the third.
\r\nWINNER LICENSE TYPE: Non-Exclusive License
\r\nMAXIMUM TEAM SIZE: as listed above
\r\nMAXIMUM SUBMISSIONS PER DAY: 5
\r\nThese are the complete, official rules for the Competition (the 'Competition Rules') and incorporate by reference the contents of the Competition Website listed above.
\r\nBy downloading a dataset linked from the Competition Website, submitting an entry to this Competition, or joining a Team in this Competition, you are agreeing to be bound by these Competition Rules which constitute a binding agreement between you and the Competition Sponsor.
\r\nThe Competition is sponsored by the Competition Sponsor listed above and hosted on the Sponsor's behalf by Kaggle Inc ('Kaggle').
\r\nThe Competition will run from Start Date to End Date as listed on the Competition Website. Note that Competition deadlines are subject to change and additional hurdle deadlines may be introduced during the Competition. Any additional or altered deadlines not already described in these Competition Rules will be publicized to the Participants via the Competition Website. It is the Participant's responsibility in this Competition to check the website regularly throughout the Competition to stay informed of any new or updated deadlines. Neither Kaggle nor Competition Sponsor are responsible for any Participant's failure to do so.
\r\nEach registered individual or Team is referred to as a Participant. You may only participate using a single, unique Kaggle account registered at http://www.kaggle.com. Participating using more than one Kaggle account per individual Participant is a breach of these Competition Rules and Competition Sponsor reserves the right to disqualify any Participant (or Team including Participant) who is found to breach these Competition Rules.
\r\nThe Competition is free and open to all individuals over the age of 18 at the time of entry and to all validly formed legal entities that have not declared or been declared in bankruptcy.
\r\nOfficers, directors, employees and advisory board members (and their immediate families and members of the same household) of the BNP Paribas Cardif's Data & Analytics department, Kaggle and their respective affiliates, subsidiaries, contractors (with the express exception of Kaggle's authorized Kaggle Community Evangelists), agents, judges and advertising and promotion agencies are not eligible to participate in the Competition.
\r\nEmployees of BNP Paribas S.A and of its subsidiaries (including employees of BNP Paribas Cardif S.A. and of its subsidiaries), who are not part of the BNP Paribas Cardif's Data & Analytics department, are eligible to participate, but not to receive Prize awards or form a Team with a Prize-eligible Participant.
\r\nEmployees of BNP Paribas SA and of its subsidiaries can get more details about their eligibility to internal awards and their specific conditions on the intranet of the BNP Paribas Group.
\r\nYou are not eligible to receive any Prize in the Competition if you are a resident of a country designated by the United States Treasury’s Office of Foreign Assets Control (see <http://www.treasury.gov/resource-center/sanctions/SDN-List/Pages/default.aspx> for additional information).
\r\n'Submission' means the material submitted by you in the manner and format specified on the Website via the Submission form on the Website. You (or if you are part of a Team, your Team) may submit up to the maximum number of Submissions per day as specified above. All Submissions must be uploaded to the Website in the manner and format specified on the Website. Submissions must be received prior to the Competition deadline and adhere to the guidelines for Submissions specified on the Website.
\r\nSubmissions may not use or incorporate information from hand labeling or human prediction of the validation dataset or test data records.
\r\nIf the Competition is a multi-stage Competition with temporally separate training data and/or leaderboard data, one or more valid Submissions must be made and selected during each stage of the Competition in the manner described on the Competition Website.
\r\n'Data' means the Data or Datasets linked from the Competition Website for the purpose of use by Participants in the Competition. For the avoidance of doubt, Data is deemed for the purpose of these Competition Rules to include any prototype or executable code provided to Participants by Kaggle or Competition Sponsor via the Website. Participants must use the Data only as permitted by these Competition Rules and any associated data use rules specified on the Competition Website.
\r\nUnless otherwise permitted by the terms of the Competition Website, Participants must use the Data solely for the purpose and duration of the Competition, including but not limited to reading and learning from the Data, analyzing the Data, modifying the Data and generally preparing your Submission and any underlying models and participating in forum discussions on the Website. Participants agree to use suitable measures to prevent persons who have not formally agreed to these Competition Rules from gaining access to the Data and agree not to transmit, duplicate, publish, redistribute or otherwise provide or make available the Data to any party not participating in the Competition. Participants agree to notify Kaggle immediately upon learning of any possible unauthorized transmission or unauthorized access of the Data and agree to work with Kaggle to rectify any unauthorized transmission. Participants agree that participation in the Competition shall not be construed as having or being granted a license (expressly, by implication, estoppel, or otherwise) under, or any right of ownership in, any of the Data.
\r\nUnless otherwise expressly stated on the Competition Website, Participants must not use data other than the Data to develop and test their models and Submissions. Competition Sponsor reserves the right in its sole discretion to disqualify any Participant who Competition Sponsor discovers has undertaken or attempted to undertake the use of data other than the Data, or who uses the Data other than as permitted according to the Competition Website and in these Competition Rules, in the course of the Competition.
\r\nParticipants are hereby informed that their personal data related to this Competition are required for the technical organization of the challenge and will be recorded and used only in this framework.
\r\nIn accordance with the provisions of French Act No. 78-17 of January 6, 1978 (as amended) governing data processing and civil liberties, Participants have a right to access, to correct and to oppose the use of their personal data.
\r\nThe Participants may exercise this right by notifying Kaggle in writing through the ‘contact us’ page on Kaggle’s website.
\r\nPersonal data of the winners collected during the Competition, will be sent to the Competition Sponsor in France for its regulatory compliance purposes. These data will be stored and deleted in compliance with applicable laws. The winners can access to their data, modify (or delete them with a legitimate purpose) by writing to:
\r\nBNP Paribas Cardif - Data & Analytics Department
\r\n8, rue du Port - 92 000 Nanterre - France
\r\nNo verbal or telephonic request regarding the interpretation or application of these rules will receive a reply.
\r\nAny dispute or claim related to the Competition must be submitted to Kaggle in writing and will not be taken into consideration more than fifteen (15) days after the end of the Competition.
\r\nAny disputed interpretation of these rules and any circumstance not covered in these rules will be definitively resolved by Kaggle.
\r\nParticipants are prohibited from privately sharing source or executable code developed in connection with or based upon the Data, and any such sharing is a breach of these Competition Rules and may result in disqualification.
\r\nParticipants are permitted to publicly share source or executable code developed in connection with or based upon the Data, or otherwise relevant to the Competition, provided that such sharing does not violate the intellectual property rights of any third party. By so sharing, the sharing Participant is thereby deemed to have licensed the shared code under the MIT License (an open source software license commonly described at <http://opensource.org/licenses/MIT>).
\r\nA Submission will be ineligible to win a prize if it was developed using code containing or depending on software licensed under an open source license:
\r\n* other than an Open Source Initiative-approved license (see <http://opensource.org/>); or
* an open source license that prohibits commercial use.
This Competition is a challenge of skill and the final results are determined solely by leaderboard ranking on the private leaderboard (subject to compliance with these Competition Rules). Participants' scores and ranks on the Competition Website at any given stage of the Competition will be based on the evaluation metric described on the Competition Website, as determined by applying the predictions in the Submission to the ground truth of a validation dataset whose instances were a fixed set sampled from the Data.
\r\nThe evaluation metric used for scoring and ranking Submissions will be displayed on the Competition Website.
\r\nPrize awards are subject to verification of eligibility and compliance with these Competition Rules. All decisions of the Competition Sponsor and judges will be final and binding on all matters relating to this Competition. Competition Sponsor reserves the right to examine the Submission and any associated code or documentation for compliance with these Competition Rules. In the event that the Submission demonstrates a breach of these Competition Rules, Competition Sponsor may at its discretion take either of the following actions:
\r\n* disqualify your Submission(s); or
* require that you remediate within one week all issues identified in your Submission(s) (including, without limitation, the resolution of license conflicts, the fulfillment of all obligations required by software licenses, and the removal of any software that violates the software restrictions).
A tie between two or more valid and identically ranked submissions will be resolved in favour of the tied submission that was submitted first.
\r\nA Participant may decline to be nominated as a Winner by notifying Kaggle directly within one week following the Competition deadline, in which case the declining Participant forgoes any prize or other features associated with winning the Competition. Kaggle reserves the right to disqualify a Participant who so declines at Kaggle's sole discretion if Kaggle deems disqualification appropriate.
\r\nAs a condition of receipt of the Prize, the Prize winner must deliver the final model’s software code as used to generate the winning Submission and associated documentation (consistent with the winning model documentation template available on the kaggle wiki at https://www.kaggle.com/wiki/WinningModelDocumentationTemplate) to the Competition Sponsor. The delivered software code must be capable of generating the winning Submission and contain a description of resources required to build and/or run the executable code successfully.
\r\nIf a potential winning Participant or Team member is a U.S. citizen, potential winner must also sign and return an IRS W-9 form, or if a foreign resident, an IRS W-8BEN form, within the stated time in order to claim the prize.
\r\nPotential winners will be disqualified and the prize may be awarded to an alternate winner (the next-ranked qualified Participant on the leaderboard) if
\r\n* the required documentation is not returned within 14 days after receipt of any request to provide documentation;
* prize notification letter/email or prize is returned as undeliverable; or
* potential winner or winning Team member is disqualified for any reason.
By accepting any Prize, each Participant receiving a Prize thereby agrees to use of his/her name, address, likeness and/or Prize information by Kaggle and Competition Sponsor for promotional purposes in any medium without additional compensation.
\r\nAs a further condition of receipt of a Prize, each winning Participant thereby licenses their winning Submission and the source code used to generate the Submission according to the Winner License Type specified above (note: if no Winner License Type is specified above, the Winner License Type is deemed to be Non-Exclusive License).
\r\nIf the Winner License Type for the Competition (see Winner License Type above) is a Non-Exclusive License then each Winner by accepting a Prize thereby:
\r\n* grants to Competition Sponsor and its designees a worldwide, non-exclusive, sub-licensable, transferable, fully paid-up, royalty-free, perpetual, irrevocable right to use, not use, reproduce, distribute, create derivative works of, publicly perform, publicly display, digitally perform, make, have made, sell, offer for sale and import their winning Submission and the source code used to generate the Submission, in any media now known or hereafter developed, for any purpose whatsoever, commercial or otherwise, without further approval by or payment to Participant; and
* represents that he/she/it has the unrestricted right to grant that license.
Participating using more than one Kaggle account is deemed cheating and, if discovered, will result in disqualification from the Competition and any other affected Competitions and may result in banning or deactivation of affected Kaggle accounts.
\r\nAfter verification of eligibility, each Prize winner will receive the prize in the form of a check or wire transfer made out to the Prize winner (if an individual, or to the individual Team members if a Team). Allow 30 days from final confirmation for Prize delivery. Any winners who are U.S. citizens will receive an IRS 1099 form in the amount of their prize at the appropriate time. Prize winners are responsible for any taxes, fees or other liability resulting from their receipt of a Prize.
\r\nMultiple individuals or entities may collaborate as a team (“Team”). You may not participate on more than one Team. Each Team member must be a single individual operating a separate Kaggle account. You must register individually for the Competition before joining a Team. You must confirm your Team membership to make it official by responding to the Team notification message which will be sent to your Account.
\r\nTeam membership may not exceed the Maximum Team Size.
\r\nTeams may be permitted to merge at Kaggle’s discretion, so long as the merged Team meets all requirements in these Competition Rules. Kaggle will review any merger request and will either approve or reject the request within three business days. Merger requests may be rejected if the combined number of Entries made by the merging Teams exceeds the number of Entries permissible at the date of the merger request. Team merger requests will not be permitted within seven days of any deadline listed on the Competition Website.
\r\nIf a Team wins a monetary Prize, Competition Sponsor will allocate the Prize money in even shares between the Team members unless the Team unanimously contacts Kaggle via the Competition Website within three business days following the Submission deadline to request an alternative prize distribution.
\r\nBy registering, you agree that (a) your Account is complete, correct and accurate and (b) your registration may be rejected or terminated and all Entries submitted by you and/or your Team may be disqualified if any of the information in your Account is (or Competition Sponsor has reasonable grounds to believe it is) incomplete, incorrect or inaccurate. You are solely responsible for your Account. All registration information is deemed collected in the United States.
\r\nParticipation is subject to all federal, state and local laws and regulations. Void where prohibited or restricted by law. You are responsible for checking applicable laws and regulations in your jurisdiction before participating in the Competition to make sure that your participation is legal. You are responsible for all taxes and reporting related to any award that you may receive as part of the Competition. You are responsible for abiding by your employer's policies regarding participation in the Competition. Competition Sponsor disclaims any and all liability or responsibility for disputes arising between you and your employer related to this Competition.
\r\nEach Participant is solely responsible for all equipment, including but not necessarily limited to a computer and internet connection necessary to access the Website and to develop and upload any Submission, and any telephone, data, hosting or other service fees associated with such access, as well as all costs incurred by or behalf of the Entrant in participating in the Competition.
\r\nBy entering a Submission, you represent and warrant that all information you enter on the Website is true and complete to the best of your knowledge, that you have the right and authority to make the Submission (including any underlying code and model) on your own behalf or on behalf of the persons and entities that you specify within the Submission, and that your Submission:
\r\n* is your own original work, or is used by permission, in which case full and proper credit and identify is given and the third party contributions are clearly identified within your Submission;
* does not contain confidential information or trade secrets and is not the subject of a registered patent or pending patent application;
* does not violate or infringe upon the patent rights, industrial design rights, copyrights, trademarks, rights of privacy, publicity or other intellectual property or other rights of any person or entity;
* does not contain malicious code, such as viruses, timebombs, cancelbots, worms, Trojan horses or other potentially harmful programs or other material or information;
* does not and will not violate any applicable law, statute, ordinance, rule or regulation;
* does not trigger any reporting or royalty obligation to any third party; and
* was not previously published and has not won any other prize/award.
A breach of any of these warranties will result in the corresponding Submission being invalid.
By participating in the Competition, each Participant agrees to release, indemnify and hold harmless Competition Sponsor, Kaggle, their respective affiliates, subsidiaries, advertising and promotions agencies, as applicable, and each of their respective agents, representatives, officers, directors, shareholders, and employees from and against any injuries, losses, damages, claims, actions and any liability of any kind resulting from or arising out of your participation in or association with the Competition. Competition Sponsor is not responsible for any miscommunications such as technical failures related to computer, telephone, cable, and unavailable network or server connections, related technical failures, or other failures related to hardware, software or virus, or incomplete, late or misdirected Submissions. Competition Sponsor reserves the right to cancel, modify or suspend the Competition should any computer virus, bug or other technical difficulty or other causes beyond the control of Competition Sponsor corrupt the administration, security or proper play of the Competition, and to determine winners from among Submission not affected by the corruption, if any, in its sole discretion.
\r\nNeither Kaggle nor Competition Sponsor are responsible for (a) late, lost, stolen, damaged, garbled, incomplete, incorrect or misdirected Entries or other communications, (b) errors, omissions, interruptions, deletions, defects, or delays in operations or transmission of information, in each case whether arising by way of technical or other failures or malfunctions of computer hardware, software, communications devices, or transmission lines, or (c) data corruption, theft, destruction, unauthorized access to or alteration of Submission materials, loss or otherwise. Neither Kaggle nor Competition Sponsor are responsible for electronic communications or emails which are undeliverable as a result of any form of active or passive filtering of any kind, or insufficient space in any email account to receive email messages. Competition Sponsor disclaims any liability for damage to any computer system resulting from participation in, or accessing or downloading information in connection with, the Competition.
\r\nCompetition Sponsor reserves the right to modify the Start Date, End Date, and the right to modify, add or remove additional Competition deadlines for any reason. Any changes will be communicated through the Competition Website. Competition Sponsor also reserves the right to modify, remove or add Data to the Website upon notice via the Competition Website. NEITHER KAGGLE NOR COMPETITION SPONSOR ARE RESPONSIBLE FOR ANY FAILURE OF A PARTICIPANT TO RECEIVE DATA CHANGES.
\r\nThe invalidity or unenforceability of any provision of these Competition Rules shall not affect the validity or enforceability of any other provision. In the event that any provision is determined to be invalid or otherwise unenforceable or illegal, these Competition Rules shall otherwise remain in effect and be construed in accordance with their terms as if the invalid or illegal provision was not contained herein.
\r\nYou agree that these terms and the relationship between you and Competition Sponsor shall be governed by the laws of the State of California and the United States of America.
", "isPublished": false, "hasIsPublished": false, "postTitle": "", "hasPostTitle": false, "mimeType": "", "hasMimeType": false }, { "name": "Timeline", "content": "All deadlines are at 11:59 PM UTC on the corresponding day unless otherwise noted. The competition organizers reserve the right to update the contest timeline if they deem it necessary.
", "isPublished": false, "hasIsPublished": false, "postTitle": "", "hasPostTitle": false, "mimeType": "", "hasMimeType": false }, { "name": "About Bnp Paribas Cardif", "content": "BNP Paribas Cardif creates innovative savings and insurance solutions designed for performance in a world shaped by the emergence of new uses and lifestyles.
\r\nA subsidiary of BNP Paribas, BNP Paribas Cardif has become a recognized global specialist in personal insurance, serving 90 million clients in 36 countries with strong positions in three regions – Europe, Asia and Latin America.
\r\nBNP Paribas Cardif has a unique business model anchored in partnerships. The company co-creates solutions with distributors in a variety of sectors (including banks, credit companies, the insurance units of automobile manufacturers, telecoms operators, insurance brokers, retailers, etc), who then market the products to their customers.
\r\nThese strong relationships with its partners allow the company to focus on the different steps of the client experience, in order to determine the right moment to propose a value-added offer.
\r\nTo achieve that, the company analyses the markets and identifies new opportunities by associating its client knowledge to its insurance expertise. The global footprint of BNP Paribas Cardif is backed by integrated information systems and platforms to facilitate either local or global management of partnerships. What's more, this organization allows efficient adaptation of successful products in different countries or different market segments.
\r\nConsistent and high service quality, continual innovation and optimized revenue performance; those are the promises of BNP Paribas Cardif.
", "isPublished": false, "hasIsPublished": false, "postTitle": "", "hasPostTitle": false, "mimeType": "", "hasMimeType": false } ] }