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EMC Internet Privacy Policy

EMC Insurance Companies* (EMC) understands that privacy is an important issue for visitors to our website at emcins.com. It is the policy of EMC to protect the nonpublic, personally-identifiable information of our customers and to keep this information secure and confidential. The following explanation is provided to help our website visitors understand what information is gathered through our site and how that information is handled and used once it is gathered.

EMC’s website consists of secure areas (Agent Access, Personal Policyholder Access, Commercial Policyholder Access, Online Training Administrator Access, Risk Management Policyholder Access, Legal Professionals Access and Employee/Retiree Access) and public access areas. Secure areas require the correct login credentials before a visitor is permitted access. Public access areas, by comparison, are available to any visitor.

Policy Scope

Sites Covered by this Policy - This policy applies to all EMC-owned web sites and domains.

Links to other sites - This site contains a number of links to other sites. EMC is not responsible for the security or privacy practices of these sites, the products or services offered by these sites, or the content appearing on these sites. EMC does not endorse any products or services marketed at these other sites.

Information Gathering and Use

Nonpublic, personally-identifiable information that is provided to EMC is gathered and maintained to provide users with the product or service requested, and to service customer accounts. Nonpublic, personally-identifiable information may include such information as:

  • Name
  • Mailing address
  • Email address
  • Phone number
  • Social Security no.
  • Health information
  • Credit report
  • Driver’s license no.
  • Financial information
  • Other Consumer report information

 

 

Information can be provided to EMC in a variety of ways including from the customer on applications or other forms, from customer transactions with EMC, from consumer report agencies or insurance support organizations and from prospective employees who apply for a position with EMC. The above listed nonpublic, personally-identifiable information and ways of collecting this information are examples from this site and may not be all inclusive. EMC may preserve all information you provide for as long as required or permitted by regulation or law.

Information provided will be used in the normal course of business to provide services to the user and enhance the user experience. Nonpublic, personally-identifiable information may be shared with authorized third parties as necessary to provide services to the user, or otherwise as required or permitted by law. These third parties may include but are not limited to:

  • Our affiliates
  • Independent agents or brokers
  • Service providers
  • Independent claims adjusters or investigators
  • Insurance support organizations for fraud protection
  • Medical providers
  • Other insurance companies or consumer reporting agencies involved in your application/policy/claim
  • Scientific research businesses that conduct studies such as actuarial or underwriting studies
  • Law enforcement, regulators or other governmental authorities
  • Lienholders or other parties with a legal interest in your policy
  • Certificateholders or policyholders
  • Authorized persons by court order or as required by law

EMC contractually prohibits these vendors from using your personal data for any other activities, and from disclosing, selling or leasing that data to any other parties. EMC does not sell or redistribute this information.

EMC does not collect or display nonpublic, personally-identifiable information through its public access areas, except for the collection of contact information necessary to provide products or services to the requesting party. Some of the collected contact information is stored in a secured database and sometimes is used to generate reports that assist EMC in improving service. This contact information is not provided to anyone outside our company except as necessary to deliver products or services as requested.

To help us improve the content and services of our website, EMC gathers general technical data from each site visit. This data allows us to determine how many people visit our website, when they visit, what pages they visit, how long they stay and the website from which they connected to our website. For visits to our secure areas, the visitor’s login credentials are also collected.

Compelled Disclosure of Personal Information

There may be times when we are required by law to disclose the information that you have submitted. Unless we are legally prohibited to do so, we will do our best to provide you with notice that a request for your information has been made to give you an opportunity to object to the disclosure. If you do not challenge the disclosure request, we may be legally required to turn over your information.

Information Confidentiality and Security

Access to EMC’s secure areas is restricted to authorized users: EMC’s agents, policyholders, online training administrators, legal professionals and selected EMC employees/retirees. These users are “authorized” after meeting certain identification criteria and are assigned login credentials for their secure-areas access. Nonpublic, personally-identifiable information pertaining to applicants, policyholders, employees of commercial policyholders, beneficiaries and claimants is obtained from and displayed to our authorized users via secure communications through EMC’s secure areas. Authorized users are only permitted access to nonpublic, personally-identifiable information that pertains to their applicable account(s).

To insure secure communications over the internet for all nonpublic, personally-identifiable information, EMC uses Secure Socket Layer (SSL) encryption technology to protect transmitted information from being intercepted while it is in transit over the internet. Access to EMC’s secure areas requires proper authentication through authorized login credentials. Once confidential information is gathered and stored within EMC’s systems, it is protected by firewalls and other access control systems and processes to keep it secure from unauthorized access. EMC uses reasonable technical and administrative safeguards to protect nonpublic, personally-identifiable information during transmission and within our organization. However, no transmission of information over the internet or method of electronic storage can be guaranteed to be 100% secure.

Cookies

Cookies are small text files that a website loads onto a visitor’s hard drive or in temporary memory that enable the website to recognize the visitor’s browser and capture and remember certain information so the website can give the visitor additional functionality. EMC uses cookies to gather general technical data from each site visit. Cookies are used for such functions as maintaining information between pages on the site and for website analysis to improve the visitor’s experience. For this analysis, we may utilize the following services:

Google Analytics

EMC may use a tool called Google Analytics to collect non-personally-identifiable information about how visitors interact with the website. Google Analytics employs cookies to collect statistical data, such as standard internet log information (including IP address) and visitors’ browsing actions and patterns. The information is used to compile reports for system administration to improve the website functionality.

Google Analytics uses only first-party cookies for data analysis.  This means that the cookies are linked to a specific website domain, and Google Analytics will only use that cookie data for statistical analysis related to your browsing behavior on that specific website. Google Analytics collects information anonymously. It reports website trends without identifying individual visitors. EMC does not combine the information collected through the use of Google Analytics with non-public, personally-identifiable information.

Google’s ability to use and share information collected by Google Analytics about your visits to this site is restricted by the Google Analytics Terms of Service and the Google Privacy Policy.  You can prevent Google Analytics from recognizing you on return visits to this site by disabling cookies in the preferences settings in your web browser. If you reject cookies by changing your browser settings, be aware that this will disable some of the functionality on our website. You can opt out of Google Analytics collecting user information without affecting how you visit the EMC website.  For more information on opting out of being tracked by Google Analytics across all websites that you use, visit the Google Analytics Opt-out Browser Add-on page.

Crazy Egg

EMC may use Crazy Egg Analysis Service to obtain information regarding how visitors are interacting with our web pages, such as how visitors navigate around the webpage and the most commonly clicked links on a specific web page. Crazy Egg may also collect statistical data, such as standard internet log information (including IP address). Crazy Egg creates reports and/or statistics that identify the collective behavior of users of our website, as opposed to the activity of specific individuals.

Crazy Egg uses first-party cookies to collect anonymous data for such purposes as assessing usage patterns, performing traffic analysis, identifying preferences and analyzing trends. Crazy Egg’s Service is not designed to collect nonpublic, personally-identifiable information and EMC does not use it for such purposes. EMC and Crazy Egg do not link cookies or the information collected to nonpublic, personally-identifiable information. EMC does not provide nonpublic, personally-identifiable information to Crazy Egg. Crazy Egg never sells or shares any EMC website user information with anyone other than EMC.

Crazy Egg’s ability to use and share information collected by its Analysis Service about your visits to this site is restricted by the Crazy Egg Privacy Policy. You can prevent Crazy Egg from recognizing you on return visits to this site by disabling cookies in the preferences settings in your web browser. If you reject cookies by changing your browser settings, be aware that this will disable some of the functionality on our website. You can opt out of Crazy Egg collecting user information and without affecting how you visit the EMC website by using the Crazy Egg Opt-out instructions.  

Third Party Disclaimer

This site has links to third party sites which may also use cookies. EMC is not responsible for how cookies are used by these third party sites. The user should reference the privacy policies of these sites for their usage of cookies.

Do Not Track

Currently, we do not support the necessary technology to respond to Web browser “do not track” signals or other, comparable mechanisms. We do not collect or track nonpublic, personally-identifiable information about a user’s online activities over time and across third party websites or online services for targeted advertising or any other purpose. We only use cookies to track non-personally-identifiable technical data related to your browsing behavior on this site as stated in the Cookies section of this policy.

Third Party Behavioral Tracking

We do not give permission to third parties engaging in online behavioral tracking to collect nonpublic, personally-identifiable information about users’ online activities from this site.   

State Privacy Rights

For California Residents
The requirements of The California Online Privacy Protection Act (CalOPPA) have been addressed in this privacy policy.

For more information on how your nonpublic, personally-identifiable information is collected, used or disclosed, refer to the following notice:  (Select the following link to view the notice in PDF format.)

Privacy Notice

For Minnesota Residents
The disclosure of personal information among EMC Insurance Companies and affiliates is authorized under the Minnesota Insurance Fair Information Report Act, § 72A.502, subdivision 8, which allows for disclosure without written authorization where i) the personal information is used for a limited purpose and ii) the affiliate agrees not to disclose the information for any other purpose or to unaffiliated persons.

For Montana Residents
The disclosure of personal information among EMC Insurance Companies and affiliates is authorized under Montana's Insurance Information and Privacy Protection Act, MCA 33-19-306 (12)(a) and (b), which allows for disclosure without written authorization where i) the personal information is used in connection with an audit or to enable EMC to perform an insurance function and ii) an appropriate agreement is executed with the affiliate to limit the affiliate's use and disclosure of the personal information.

For New Mexico Residents
Personal information may be disclosed among EMC Insurance Companies and affiliates without written authorization pursuant to New Mexico's Privacy Rule, 13.1.2.1 through 13.1.3.23 NMAC. Any such disclosure, however, will be only to the extent necessary to effect, administer or enforce a transaction that you have requested or authorized.

For New York Residents
Select the following link to view the EMC notice regarding:

Domestic Violence Notice Pursuant to New York Insurance Law Section 2612

For North Dakota Residents
NDCC 26.1-02-27 permits EMC Insurance Companies to disclose personal information pursuant to NDCC 45-14-01-11, which sets forth North Dakota's rules communicated in accordance with NAIC's Privacy of Consumer Financial and Health Information and allows for disclosure where appropriate opt-out notice and opportunity has been given.

For Vermont Residents
EMC is authorized to disclose personal information under Vermont's Privacy of Consumer Financial and Health Information Regulation Article IV, Sections 14(A), (B) and (C), which provide an exception to the general “opt-in” rule where EMC executes an appropriate agreement with the third party limiting use and disclosure of such personal information. EMC is further authorized to disclose personal information under Sections 15(A) and (B) which provide an exception to the “opt-in” requirement where the disclosure of personal information is necessary to effect, administer or enforce a transaction that the customer authorizes. Our release of personal information is also authorized where permitted by law under Section 16(A).

Children’s Privacy

EMC does not direct products or services towards children under the age of 13. EMC does not intend to collect any information from children and requests no nonpublic, personally-identifiable information be provided to us from children.

Email List Privacy (CAN-SPAM Act)

All subscriber lists for bulk emails, such as EMC’s online newsletter, are opt-in only. By voluntarily entering contact information, such as email address, phone number or physical address, on this site, you agree that EMC may communicate with you regarding the products and services we provide.

EMC does not sell, rent or share email addresses with any other third parties without your permission. We do not link email addresses to any other databases.

If at any time you would like to unsubscribe from receiving future emails, you can follow the unsubscribe instructions at the bottom of each email and we will promptly remove you from that bulk email list or you can contact the privacy coordinator listed below regarding the removal of your personal contact information from our database.

Your Personal Information

Access to Personal Information - We make every effort to keep our records accurate. We will make appropriate changes when you notify us. If you want to view, update or delete the information we have about you in our database, please follow the instructions in the notices below on how to contact us to request your personal information. We will follow procedures to verify your identity before providing this information to further protect your privacy.

For more information on how your nonpublic, personally-identifiable information is collected, used or disclosed, refer to the following notices:  (Select the following links to view the notices in PDF format.)

Personal Lines Privacy Notice (Revised 2015)
Workers' Compensation and Group Benefits Privacy Notice (Revised 2015)

Internet Privacy Notice Changes

From time to time, EMC may make changes to this notice. Visitors should revisit this notice periodically to learn of any change in our internet privacy policy. When changes are made, the effective date, which is located at the bottom of this notice, will be updated.

Your continued use of this site after enhancements are made will be considered acceptance of those changes. We may terminate or suspend any function of this site. We may also impose limits on some functions or restrict access to any part of the site without notice or liability.

How To Contact Us

If you have questions or concerns regarding this privacy notice, you may complete and submit an electronic form, or contact us by using one of the methods listed below. Remember to include, to the extent applicable, your name, address and the last four digits of your policy or claim number.

Mailing Address: Electronic Form:
Privacy Coordinator Policyholder Request Form
EMC Insurance Companies
P.O. Box 712
Des Moines, IA 50303-0712

Email: privacycoordinator@EMCIns.com
Toll-Free Phone: 800-447-2295

* EMC Insurance Companies is the trade name used by several affiliated insurance companies and insurance service corporations of which Employers Mutual Casualty Company is the lead company. This notice is applicable to and made on behalf of the following affiliated insurance companies:

Employers Mutual Casualty Company
EMC Property & Casualty Company
EMCASCO Insurance Company
Dakota Fire Insurance Company
Illinois EMCASCO Insurance Company
EMC Reinsurance Company
Union Insurance Company of Providence
Hamilton Mutual Insurance Company

All of the above listed affiliated insurance companies will be bound by the statements made herein.

References

This policy addresses the requirements of the following regulations and standards:

OECD Fair Information Principles
FTC Online Privacy Principles-US Federal Trade Commissions
COPPA Children's Online Privacy Protection Act
ISO 27002 15.1.4 Data Protection and Privacy of personal information
Health Care: HIPAA Privacy-Final Rule HITECH Act
Financial Services: GLBA Act, title V-Privacy
CAN-SPAM Act
The California Online Privacy Protection Act (CalOPPA)

Effective Date:  May 19, 2015