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At FMMJUA.com (the "Site"), protecting your privacy is very important to us. Our goal is to treat the personal information you furnish with the utmost respect and in accordance with this Privacy Policy. Please read on for details about our practices for handling and securing your personal information. This Privacy Policy is applicable only to our WHAT INFORMATION DO WE COLLECT? HOW DO WE USE IT? Anonymous Browsing You can visit the Site without telling us who you are, without revealing any information about yourself (including your email address) and without becoming a registered user. Our web servers will collect user information, such as the IP address or name of the domain you used to access the Site (such as aol.com), the referring URL, which is the address of the site from which you came, and user agent, which identifies the type of browser and platform used to access the Site. We also use this data to monitor Site performance and to make the Site easier and more convenient to use. Personal Information Collection There are times when we may ask you for information about yourself or your business to assist us in meeting your various needs, including: · providing you with products or services you have requested · servicing your account · improving our services · developing and/or informing you of additional products or services that may be of interest to you The amount of personal information that we ask you to provide depends on the product or service in which you are interested but may include, among other things, your name, street address, ZIP Code, telephone number, email address, and if applicable, credit card information. In the event this Site is enabled to allow you to purchase an insurance product online, you will be required to provide additional personal information during the application and underwriting process. We may collect other personal information when you provide comments by email or other means, when you participate in surveys or should you provide us feedback or request information from us online. MESSAGE BOARDS AND CHAT AREAS This Site may contain a bulletin board, message board or chat area. Please remember that your communications in these areas are public and may be viewed by others. Please use care not to disclose your personal information in such areas. CHILDREN AND PRIVACY This site is not intended for anyone under 13 years of age. We do not knowingly solicit information from children, nor do we knowingly market our products or services to children. COOKIES If you are browsing, a cookie is used to help us measure the number of visits, average time spent, page views, and other statistics relating to the Site. This cookie by itself does not tell us your email address or who you are. Should you provide information during online registration, as discussed below, we will use cookies to recognize you on subsequent visits and to make your online experience more convenient. Cookies are small pieces of data that your browser stores on your computer's hard drive. They cannot be used to gather data from your hard drive, get your email address or obtain personal identifying information. You may set your browser to notify you when you receive a cookie or to prevent cookies from being sent. Please note that by not accepting cookies, you will limit the functionality we can provide when you visit our Site. For Netscape users, Netscape Navigator Version 4.0 gives users the ability to control cookies. Newer versions of Microsoft's Internet Explorer have a similar capability. Refer to these companies' internet sites or your browser's help file for additional information. SHARING OF INFORMATION First and foremost, we want to assure you that we do not sell your email address or other personal information to third parties. When you provide information to us, we may share it with our servicing carrier and its affiliated companies and third parties for, among other purposes, fulfilling your requests. We may also compile aggregated statistics about our customers, sales, traffic patterns and services and we may provide these statistics to third parties who can assist us in analyzing and understanding the information and help us to better provide online products and services. Should we share statistical information with third parties, it will not include personally identifiable information about our customers. We may disclose information about you to others if we have a good faith belief that we are required to do so by law or legal process, to respond to claims, or to protect the rights, property or safety of the FMMJUA or others. EMAIL COMMUNICATION AND ONLINE SURVEYS While we are not currently doing so, we may in the future send you email communications with information that we believe you may find useful, including information about our products and services or offerings from affiliates or third parties. When you receive such an email, you will be given instructions on how you can "opt-out" of receiving any further emails of this nature. At times, we conduct online surveys to better understand the needs, profiles and experience of our visitors. Our hope is that you will respond to the surveys, however, we leave the choice to you. HOW DO YOU ACCESS AND UPDATE YOUR INFORMATION? As discussed above, you may need to provide some personal information in order for us to provide certain online products and services. This information will, in part, be provided through online registration. You may access and update the information that you provided when you registered by logging into the Site and clicking on the "My Profile" link located in the left navigation column of the home page. Should you provide us information or submit feedback online you will be asked to provide your name and your email address, phone or fax number so that we may respond to your request. If you would like to update the information provided, please contact us by email through our feedback page. CONSUMER CHOICE We are not currently sharing personal information with anyone. However, in the future we may share personal information as specified in the SHARING OF INFORMATION section above. At that time, we will give you instructions for "opting out" of the sharing of personal information with unaffiliated parties for marketing purposes. HOW IS YOUR INFORMATION SECURED AND PROTECTED? FMMJUA.com uses encryption and authentication tools (password and user identification) to protect your personal information. Emails you send to us and that we send you are not necessarily secure during transmission. If your communication is very sensitive or includes highly confidential information such as premium or loss information, you may want to send it by regular mail instead. Our employees are aware that certain information provided by our customers is confidential and is to be protected. Employees who misuse customer information are subject to disciplinary action. WHAT IF WE CHANGE OUR PRIVACY POLICY? The FMMJUA reserves the right to modify or supplement this Privacy Policy at anytime. If we make any material change, we will update the Site to include such change. Please check this Privacy Policy often to review any changes. BUSINESS RELATIONSHIPS This Site may contain links to other sites including those of our affiliates, business partners, or other third parties. Sometimes the links are necessary in order to provide you with certain products and services. While we try to link only to sites that share our high standards and respect for privacy, we are not responsible and will not be held liable for the content, security, or the privacy practices employed by other sites. We encourage you to review the Privacy Policy of all linked sites and contact directly the site's Operator if you have any questions about the site's content, security, data collection or data-use practices. YOUR OPINION IS IMPORTANT TO US If you have any questions about information security, collection or use on this Site that have not been answered here please contact us by email through our feedback page. We welcome your questions and suggestions about our Privacy Policy. Thank you for visiting FMMJUA.com.
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