Effective December 1, 2020
Marsh USA, Inc. (“Marsh”) believes strongly in protecting the privacy and confidentiality of Internet users who visit this website (“site”). This Privacy Notice explains the way which this site collects personal information, how we may use this information, and the ways in which we protect it. Generally, personal information is information that can be used to identify you or your activities on this site or through services offered on this site.
The Privacy Statement is subject to change at any time. If we make changes to this Privacy Statement, we will update the “Effective date” at the top of this page. Any changes we make to this Privacy Statement become effective immediately, so you should review this Privacy Statement regularly for changes.
This Privacy Notice applies solely to data collected via the site; there may be additional personal (and other) information we have or collect about you pursuant to other relationships.
Please take a moment to familiarize yourself with our privacy practices. If you have any questions, contact us at PrivacyPolicyInquiries@marsh.com.
Except where noted in the State Privacy Notices section of this Privacy Notice, this Privacy Notice applies solely to data collected via the Site. We gather this information when you:
"Personal information" is information that identifies you as an individual or relates to an identifiable individual. The type of personal information we may collect may relate to the performance of this site and, when applicable, the product or service being offered to you.
Generally, we may collect the following types of personal information about you and, if required for the services provided, about your dependents or beneficiaries:
Individual Contact and Demographic Information (including Family Members): name, address, email address, telephone number, gender, marital status, date and place of birth, employer, job title and employment history, and/or your relationship to the policyholder, insured, beneficiary or claimant.
Identification details: identification numbers issued by government bodies or agencies (e.g. depending on the country where you reside, this may include your social security or national insurance number, passport number, ID number, tax identification number, or driver’s license number).
Financial information: payment card number, bank account number and account details, income and other financial information.
Insurable Risk Information: the information necessary to secure insurance products, provide risk consulting services, and/or offer guidance on other financial products and services to you – which may include, only to the extent necessary, the following:
Policy Information: information about the insurance quotes individuals receive and the policies they obtain.
Credit and Anti-fraud Data: credit history and credit score, individual information about fraud convictions, allegations of crimes and sanctions details received from various anti-fraud and sanctions databases, or regulators or law enforcement agencies.
Current and/or Previous Claims: information about current and/or previous claims, which may include health data, criminal records data and other Special Categories of personal information (as described in the Insured Risk definition above).
Marketing Data: whether or not the individual has consented to receive marketing from us and/or from third parties.
Site Related Information: information related to the operation of a website, which may include log-in credentials, IP address and other site related information.
We may collect information from you, your representative, your employer, association, group, or benefit program sponsor and/or third parties that have roles in delivering services to you, your employer, association, group or benefit program sponsor. These may include insurance companies, plan administrators and vendors, brokers or agents, credit agencies, and financial institutions. You might provide this information when you visit this site; apply for insurance coverage; enroll in an association, group, or benefits program; communicate with us through email, chat and instant messenger; speak to a Marsh representative by phone or in a call center; or send mail/faxes to our office. In addition, your employer, association, group or benefit program sponsor or someone acting on their behalf may provide us with information about you.
If you supply us with personal information about other people, you represent that you have the authority to provide this information on their behalf. In these instances, you further represent that the individuals to whom this information relates have been informed of and understand the reason(s) for obtaining the information, the manner in which this information will be used and disclosed, and have consented to such use and disclosure.
We use various tools to enhance your user experience and track users of our websites, including cookies and web beacons. These tools may collect personal information including your IP address and domain name, your browser version and operating system, traffic data, location data, web logs and other communication data, and the resources that you access.
You can refuse to accept and delete cookies by adjusting your browser setting. Please note that refusing or deleting cookies may impact your browsing experience on our websites, or prevent you from using some of its services, and it may result in the deletion of any preferences you have set. For more information on how to reject or delete cookies, you should consult with your browser's or device’s help documentation or visit www.aboutcookies.org. We do not use technology that recognizes do-not-track signals from your browser. You can also opt out of Internet based advertising by installing a browser plugin from the third party where available. For more information about interest-based advertising, please see Network Advertising. You may also be able to opt out of our use of certain cookies using our Cookie Management Tool , where available, linked at the bottom of the Site.
In addition, in the course of seeking network security and consistent service for all users, software programs may be employed to monitor network traffic, identify unauthorized access or access to nonpublic information, detect computer viruses and other software that might damage our computers or the network, and monitor and fine-tune our network’s performance. These programs may detect additional information from your computer such as your IP address, addresses from network packets, and other technical information. Any such information is used only for the purpose of maintaining the security and performance of our networks and computer systems.
We may combine the information you provide us and information we automatically collect with information from public or third-party sources.
We will use the information provided by you in order to:
We may share your personal information to assist with managing and running this site, or deliver other insurance and consulting products or services requested by you, your employer, or association, group or benefit program sponsor. We may share this information:
We will not disclose, share, sell, or otherwise disclose your information to unaffiliated third parties for their own marketing unless so authorized by you, your employer or association, group or benefit program sponsor.
Our third-party affiliates, service providers and successors to whom we disclose information are required by law and/or contractual requirements to keep your personal information confidential and secure. These parties may not use or disclose it except as reasonably necessary to provide services to you, on our behalf, or on behalf of your employer or association, group of benefit program sponsor, or to comply with or as permitted by applicable law.
This site and all information submitted by you or on behalf of you through this site may be collected, stored, and processed in countries other than the one in which you reside, including, but not limited to, the United States.
We restrict access to your personal information to employees of ours, our affiliates, and third-party service providers who reasonably need it to support this site or provide our products or services. We have implemented physical, administrative, and technical safeguards to protect your personal information from unauthorized access. However, as effective as our security measures are, no security system is impenetrable. We cannot guarantee the security of our systems, nor can we guarantee that information you supply will not be intercepted while being transmitted to us over the Internet.
Keeping your information accurate and up-to-date is very important. Inaccurate or incomplete information could impact our ability to deliver relevant services to you. Please let us know about any changes that may be required to your personal information using the contact information below.
By using this site, you agree that you will take measures to protect this information, including the maintenance of any username and password in a confidential manner, and restricting system access to only those who may need such access on your behalf.
In the event we sell some or all of our assets, it is possible your personal information could be one of the assets transferred to the purchaser. We may disclose and/or transfer your personal information to a third-party purchaser under these circumstances.
This site is not intended for children, and we do not knowingly collect, use, or disclose information of children under the age of thirteen (13) without the consent of their parents or legal guardians. In an instance where such information was collected, it would be purely accidental and unintentional.
The Privacy Notice is subject to change at any time. If we make changes to this Privacy Notice, we will update the “Effective date” at the top of this page. Any changes we make to this Privacy Notice become effective immediately, so you should review this Privacy Notice regularly for changes.
If you have any questions, requests, concerns or complaints about this Privacy Notice, or our privacy practices in general, please email us at PrivacyPolicyInquiries@marsh.com.
Effective Date: January 1, 2020
These California Resident Privacy Terms are effective January 1, 2020 and supplement the information contained in Marsh’s governing website Privacy Notice. This notice applies solely to consumers who are California residents.
Marsh (“We”) strive to protect the privacy and confidentiality of the personal information with which we are entrusted. This California Resident Privacy Notice explains the personal information we collect or process about California residents in connection with the services we provide or offer to you, including through any site, application, or product that links to this Privacy Notice (the “Service”), how we use, share, and protect that personal information, and what your rights are with respect to your personal information that we gather and process.
In this California Resident Privacy Notice, "personal information" has the same meaning as under the California Consumer Privacy Act (“CCPA”): information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or household, Personal information does not include information that has been de-identified or aggregated.
Please also note that in certain cases, we may collect your personal information for the Service pursuant to a contract we have with a commercial client (our “Client”). In such circumstances, we may be acting as a “service provider” and are obligated to process the personal information we collect or are provided in connection with the Service in accordance with instructions from or the contract with our Client, which is the business ultimately responsible for determining how your personal information will be handled. Accordingly, if you are using the Service in connection with your role as an employee of our Client, or by virtue of some other relationship with, our Client, we encourage you to review that Client’s privacy notice to understand the full scope of how your personal information will be handled. Further, in any case where we are acting as a service provider to a Client, if you or your authorized agent (together referred to hereinafter, where applicable, as “you”) wish to exercise any rights that may be available to you under certain data privacy laws (for example, the right to access or deletion under the CCPA if you are a resident of California as described below), you should direct your request to our Client, who is the party responsible for receiving, assessing, and responding to your requests, as we do not have any obligation, and, notwithstanding anything in this Privacy Notice to the contrary, may elect not, to respond to your requests. If you are not certain whether we are acting as a service provider to a Client in your particular circumstance, please contact us through one of the methods described at the end of this Privacy Notice.
In the past 12 months, we may have collected and shared the following types of personal information from or about users of the Service.
We may also use or share de-identified information that is not reasonably likely to identify you for commercially legitimate business purposes.
We do not sell personal information to any third parties, and have not done so in the preceding 12 months.
Under California law, some California residents have specific rights regarding their personal information as described below. These rights are subject to certain exceptions. Further, if we have collected or processed your personal information in connection with a product or service we are providing to our Client that is a company, partnership, sole proprietorship, nonprofit or government agency, and you are an employee, owner, director, officer, or contractor of that entity, rights 1-3 below are not available to you until at least January 1, 2021.
When required, we will respond to most requests within 45 days, unless it is reasonably necessary for us to extend our response time.
You have the right to request that we disclose certain information regarding our practices with respect to personal information. If you submit a valid and verifiable request and we confirm your identity and/or authority to make the request, we will disclose to you any of the following at your direction:
You have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions. If you submit a valid and verifiable request and we can confirm your identity and/or authority to make the request, we will determine if retaining the information is necessary for us or our service providers to:
If none of the above retention conditions apply, we will delete your personal information from our records and direct our service providers to do the same.
How to exercise the above rights
To exercise your rights to disclosure or deletion described above, please submit a verifiable consumer request to us by visiting our online privacy rights portal by visiting here.
Alternatively, you may call us at 855-275-5436.
Only you or a person who can demonstrate that they are legally authorized to act on your behalf may make a verifiable consumer request related to your personal information.
You may make a verifiable consumer request for access or deletion no more than twice within a 12-month period. The verifiable request must:
You will not be required to create an account with us in order to submit a verifiable request, though we may communicate with you about your request via a pre-established account if applicable. However, in order to safeguard the personal information in our possession, if we cannot verify your identity or authority to act on another’s behalf, we will be unable to comply with your request. We will only use personal information you provide when submitting a verifiable request to confirm your identity or authority, or to fulfill your request.
As a California resident, you have the right to direct a business that sells your personal information to third parties not to sell your personal information. This right is referred to as “the right to opt-out.”
Because we do not sell your personal information, we do not provide any mechanism for you to exercise the right to opt out.
You may exercise your rights under the CCPA without discrimination. For example, unless the CCPA provides an exception, we will not:
We may offer you financial incentives to provide us with personal information that is reasonably related to the information’s value. This could result in different prices, rates, or quality levels for our products or services. Any financial incentive we offer will be described in written terms that explain the material aspects of the financial incentive program. You must opt-in to any financial incentive program and may revoke your consent at any time by contacting us as indicated below.
Under California’s “Shine the Light” law, California residents may request and obtain a notice once a year about the personal information we shared with other businesses for their own direct marketing purposes. Such a notice will include a list of the categories of personal information that were shared (if any) and the names and addresses of all third parties with which the personal information was shared (if any). The notice will cover the preceding calendar year. To obtain such a notice, please contact us as described below. In addition, under this law you are entitled to be advised how we handle “Do Not Track” browser signals. Because there currently is not an industry or legal standard for recognizing or honoring Do Not Track signals, we do not honor Do Not Track requests at this time.
We do not knowingly collect personal information from children under the age of 13. If we learn that we have collected any personal information from a child under the age of 13 without verifiable parental consent, we will delete that information from our files as quickly as possible. If you believe that we may have collected information from a child under 13, please contact us at the email address provided below.
We never sell the personal information of minors under 16 years of age, and would not do so in the future without affirmative authorization of the consumer if between 13 to 16 years of age, or the parent or guardian of a consumer less than 13 years of age.
To submit general questions or requests regarding this Privacy Notice or our privacy practices, please contact us at PrivacyPolicyInquiries@marsh.com.
To submit a request* to access or delete your information, please visit our online request portal by visiting here.
Alternatively, you may call us at 855-275-5436.
*Please note that, as described above, in certain cases we may collect your personal information as a service provider pursuant to a contract we have with a commercial Client to provide the Service. In any case where we are acting as a service provider to a Client, you should direct your requests to exercise your rights available under data privacy laws to our Client, who is the party responsible for receiving, assessing, and responding to your requests. As a service provider, we do not have any obligation, and, notwithstanding anything in this Privacy Notice to the contrary, may elect not, to respond to your requests.
STATE OF CALIFORNIA PRIVACY NOTICE – AS PRESCRIBED BY THE CALIFORNIA CONSUMER PRIVACY ACT
Scope of this Privacy Notice
These California Resident Privacy Terms supplement the information contained in Marsh Saldaña, Inc.’s governing website Privacy Notice. This notice applies solely to consumers who are California residents.