Your privacy is critically important to us.
Last Updated: February 2, 2021
Like most website operators, Insurium collects non-personally-identifying information that web browsers and servers typically make available, such as the browser type, language preference, referring site, and the date and time of each visitor request. Insurium’s purpose in collecting this information is to better understand how visitors use our website. From time to time, Insurium may release non-personally-identifying information in the aggregate, e.g., by publishing a report on trends in the usage of our website.
Insurium also collects potentially personally-identifying information like Internet Protocol (IP) addresses for logged in users and for users leaving comments on any of our websites. Insurium only discloses logged in user and commenter IP addresses under the same circumstances that it uses and discloses personally-identifying information as described below, except that website commenter IP addresses are visible and disclosed to the administrators of the website where the comment was left.
Your privacy is important to us. At Insurium we have a few fundamental principles:
• We do not ask you for personal information unless we need it.
• We don’t share your personal information with anyone except to comply with the law, develop and operate our products and services, or protect our rights.
• We do not store personal information on our servers unless required for the ongoing operation of one of our products or services.
In our member products, we aim to make it as simple as possible for you to control what’s visible to the public, seen by search engines, kept private, and permanently deleted. It is Insurium’s policy to respect your privacy regarding any information we may collect while operating our websites and services.
NOW THE LEGAL STUFF
Collection and Use of Personal Information
Personal information collected from you on our Website will be used to carry out the actions you have requested or authorized. Additionally, we may use your personal information to provide you with information about our Services.
Our Website may collect certain information about your visit, such as the name of your Internet service provider and the Internet Protocol (IP) address through which you access the Internet; the browser you are using; the date and time you access our Website; the pages that you access while at our Website and the Internet address of the Website from which you linked directly to our Website. This information is used to help improve our Website, analyze trends, and administer our Website.
From time to time, we may engage third party providers of marketing services to assist us with the purposes set forth above. We maintain contracts with each of these third parties restricting their access, use, and disclosure of personal data. We otherwise do not disclose personal information collected from our Website to non-agent third parties without authorization from the individual that submitted such information to us.
We provide the opportunity for individuals to “opt-out” of having their personal information (as collected from our Website) used for the purposes set forth above. If you do not wish your personal information (as collected from our Website) to be stored on our systems, or provided to third parties, we will remove your information from these systems. Simply email [email protected] with the details of your request and we will respond promptly.
As part of our Services, we provide a web-based system to our customers (primarily companies and governmental entities) and their designated third-party users (collectively, our “Users”) that tracks information related to insurance and risk in order to help our Users manage insurance claims, improve safety and reduce costs. In providing the Services to our Users, we store and process data that our Users submit to us or instruct us to process. We use such information in order to provide and improve the Services to our Users pursuant to the terms of the written agreement between us and our customer, and we do not use this information for any other purpose.
While our Users decide what data to submit, it typically includes insurance-related information such as claims, incidents, and policies, as well as related supporting documentation and analysis. This information may include personally identifiable information. When we provide our Services to our Users, in some instances we process personal information about third parties that is provided by our Users.
We use a limited number of third-party service providers to assist us in providing our Services to our Users. These service providers fall into one of the following categories:
• Hosting provider (we currently use Microsoft’s Azure Web Services https://azure.microsoft.com ) Please visit Microsoft’s Trust center to learn about the cybersecurity protections afforded our customer’s data through use of our Connections Management System, including: a broad set of international and industry-specific compliance standards, such as General Data Protection Regulation (GDPR), ISO 27001, HIPAA, FedRAMP, SOC 1 and SOC 2, as well as country-specific standards, including Australia IRAP, UK G-Cloud, and Singapore MTCS. Rigorous third-party audits, such as those done by the British Standards Institute, verify Azure’s adherence to the strict security controls these standards mandate. https://azure.microsoft.com/en-us/overview/trusted-cloud/
• Providers of additional functionality for our Services (as set forth in the written agreement between us and our customer)
These third parties may access, process, or store personal data in the course of providing their services. We will only provide personal information to these third parties for the purpose of providing our Services to our Users. We maintain contracts with each of these third parties restricting their access, use, and disclosure of personal data. Our customers and Users generally will not have the opportunity to opt out of having their personal information shared with these third-party service providers for these purposes while receiving our Services. We otherwise do not disclose personal information to non-agent third parties except as may be contemplated by a written agreement with our customer or otherwise as directed by our Users.
Disclosure Required by Law
In certain situations, we may be required to disclose personal data in response to lawful requests by public authorities, including to meet national security or law enforcement requirements. We reserve the right to disclose personal information as required by law and when we believe that disclosure is necessary to protect our legal rights and/or to comply with a judicial proceeding, court order, or legal process.
Access to Personal Information
We acknowledge the desire of individuals to access their personal data as collected through our Website. Individuals wishing to review, edit, supplement or delete their personal data as collected through our Website may do so by contacting us at [email protected], and we will promptly respond to any such request.
Individuals wishing to review, edit, supplement or delete their personal data as provided to us by our Users for use with our Services should contact the applicable User that provided this data to us. Alternatively, such an individual can contact us at [email protected] and we will work with our User to respond to the request. However, note that we are contractually bound to our customers to maintain the confidentiality and integrity of the personal information that we store as part of our Services, and any such request from an individual that is not our customer would need to be approved by our customer except as otherwise required by law.
Security of your Personal Information
We are committed to protecting the security of your personal information. While no computer system is completely secure, we have put in place commercially reasonable physical, electronic, and managerial procedures to safeguard and secure your personal information.
Use of your Personal Information
We may use the personal information we collect in a variety of ways, including to:
• Provide you with the best customer experience possible;
• Provide necessary support, management, and functionality of the Website and Services;
• Remember you when you visit the Website or use the Services;
• Measure the use of the Website and Services and improve the content of the Website and Services;
• Address network integrity and security issues; and
• Comply with applicable laws and as otherwise allowed by law.
Disclosure Required by Law
If you are a California resident and have an established business relationship with us, you can request that we provide certain information about our company’s sharing of personal information with third parties for direct marketing purposes. We do not share any California consumer personal information with third parties for marketing purposes without consent. California residents who wish to make this request may contact us using the contact information below.
Social Media Sites
When you interact with an Insurium account on a social media platform, such as LinkedIn or Twitter, we may collect the personal information that you make available to us on that page or account, including your user ID and/or user name, and any information you have made public in connection with that social media service. Please note, however, that we will comply with the privacy policies of the corresponding social media platform and we will only collect and store such personal information that we are permitted to collect by these social media platforms. Our Website may include social media widgets. These features may collect information about your IP address and which page you’re visiting on our Website, and they may set a cookie to make sure their feature functions properly. Social media features and widgets are either hosted by a third party or hosted directly on our Website. Your interactions with those features are governed by the privacy policies of the companies that provide them.
eChoice of Future Communications
From time to time, we may send you information about our Services that may be of interest to you. At such a time, you will be given an opportunity to opt-out of future communications.
Transfer of Information
If we sell all or part of our business, or make a sale or transfer of our assets, or are otherwise involved in a merger or transfer of all or a material part of our business, or are involved in a bankruptcy, we may transfer your information to the party or parties involved as part of that transaction.
Cookies and Tracking
We may use technology to track the patterns of behavior of visitors to our Website. This can include using a “cookie,” a text file sent by a web server to a web browser, and stored by the browser for record keeping purposes. As a result, it is possible to speed up your future activities on our Website and allow us to provide you with a personalized browsing experience.
You can choose to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. This may prevent you from taking full advantage of the features of our Website.
Our Website does not process or respond to web browsers’ “do not track” signals or other similar transmissions that indicate a request to disable online tracking of users who visit our Website.
Links to Third Party Websites
Our Website and our Services may provide links to unaffiliated third-party websites. As we do not control these websites, we encourage you to review the policies of these third-party sites.
Contact and Enforcement Information