How We Collect Information
We collect information from you in two ways: 1) we collect information directly from you when you provide it to us on our website; and 2) we collect information automatically as you navigate through our website. Information you provide to us may include information you provide by filling in forms or surveys on our website, including any records and copies of such correspondences. For example, you may provide information to us by filling out our online “First Report of Injury” form.
We collect information on our website using technologies such as cookies. A cookie is a small text file that is placed in your browser and allows us to recognize you each time you visit our website. Cookies are used in a few areas of our site only for maintaining information between pages. They are not used for storing or tracking nonpublic personal information from our customers. These cookies simply carry forward information that you submitted on one screen to the next screen, eliminating the need for repetitive entry. These cookies do not gather any other nonpublic personal information from you or your computer. You may refuse to accept browser cookies by activating the appropriate settings on your browser. However, doing so may disable access to certain parts or features of our website.
Information We Collect
You may provide several types of nonpublic personal information to us, including your name, date of birth, telephone number, physical address, e-mail address, social security number, bank account information, healthcare information, and policy and claim information. In addition, we may automatically collect information about your equipment, browsing actions and patterns, including; details about your visits to our website (e.g., traffic data and other communication data), the resources that you access and use on the website, and information about your computer and internet connection (e.g., your IP address, operating system and browser type).
How We Use the Information We Collect
We use information we collect about you or that you provide to us as needed for lawful business purposes including, presenting our website to you, providing you with information, products or services that you request from us, data analysis, servicing insurance policies, administering claims, developing new products, improving, enhancing or modifying our services, identifying usage trends, and operating and expanding our business activities.
Information we collect automatically about your equipment, browsing actions and patterns helps us improve our website and deliver a better and more personalized service by enabling us to: estimate our audience size and usage patterns; store information about your preferences; speed up your searches; and recognize you when you return to our website, among other things.
Information We Disclose
We may disclose your information as needed for lawful business purposes including to our affiliates, contractors, service providers and other third parties we use to support our business or this website. These third parties have limited access to your information and are obligated not to disclose it or use it for any other purpose.
In the event of a merger, acquisition, reorganization, bankruptcy or a similar event, we may transfer to or assign to another entity, information collected through our website, if permitted by and done in accordance with applicable law.
We may disclose your information where permitted or required by law, to comply with a court order, subpoena, or other legal or regulatory requirement, or to exercise our legal rights or defend against legal claims.
Some services made available to you on our website such as billing, payment and safety blogs may be made available through third parties and may be accessible via separately branded (or MEMIC co-branded) portals, embedded links to third party sites or other technologies. MEMIC does not control and is not responsible for the privacy policies and practices of these third parties. We recommend that you review any applicable third party privacy policies, as they may differ from our own.
We utilize physical, administrative and technical safeguards to protect the confidentiality and security of the information we process and maintain through our website from accidental loss, unauthorized access, use and disclosure. However, the safety and security of your information also depends on you. If you were provided or have chosen user login credentials (e.g., username(s) and password(s)) to access certain parts of our website, you are responsible for keeping such credentials confidential.
Unfortunately, the transmission of information via the internet is never completely secure. Although we do our best to try to protect your information, we cannot guarantee the security of your information transmitted to our website and any transmission of information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on our website.
Updated August 2, 2016