Mealey's (September 16, 2015, 2:13 PM EDT) -- PHILADELPHIA — The Third Circuit U.S. Court of Appeals on Sept. 15 affirmed a lower federal court’s ruling that insurers have no duty to defend against three underlying putative class actions alleging that its retailer insured violated state statutes and common-law privacy rights when gathering customers’ personal ZIP code information while processing credit card transactions (OneBeacon America Insurance Co. v. Urban Outfitters Inc. and Anthropologie Inc. v. The Hanover Insurance Group, No. 14-2976, 3rd Cir.; 2015 U.S. App. LEXIS 16399)....