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We will share
information about you only as permitted by law. We will not share your
Nonpublic Personal Information with other companies for their marketing
purposes without your consent. There is no need to "opt out" or tell us
not to do this.
Disclosures include
those that we feel are required to provide insurance claims or customer
service, prevent fraud, perform research or comply with the law.
Recipients include, for example, our family of insurance companies, claims
representatives, service providers, consumer reporting agencies, insurance
agents and brokers, law enforcement, courts and government agencies. These
parties may disclose the information to others as permitted by law. For
example, Consumer reporting agencies may disclose Transaction Information
received from us to other insurance companies with which you do
business.
Where permitted by law, we
may also disclose Application or Transaction Information to service
providers that help us market our products. These service providers may
include financial institutions with which we have joint marketing
agreements.
How do you protect my
information? |
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We restrict
access to your Nonpublic Personal Information to our employees and
others who we feel must use it to provide our products and services.
Their use of the information is limited by law, our employee code of
conduct, and written agreements where appropriate. We also maintain
physical, electronic and procedural safeguards to protect your
information. |
How can I review and
correct information you have about me? |
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To review
information we have about you, send a written request to MJS
Insurance, Inc, P.O.
Box 196, Rosedale, IN 47874-0196. You must describe
the kind of information you want to review and state that your
request is in response to this Privacy Policy. Include your full
name, mailing address, and policy number (if applicable). Within 30
business days, we will describe what is available and how you may
request corrections. We will also name anyone we show as having
received the information within two years prior to your request.
Finally, we will identify the companies that have provided Consumer
Report Information about you.
You may review
the information at our offices or receive a copy of it for a fee to
cover our costs. We will not provide information that we feel is
privileged, such as information about insurance claims or
lawsuits.
To correct
information about you, send a written request as described above,
explaining your desired correction. Within 30 business days, we will
either make the requested correction or tell you why we will not. We
cannot correct Consumer Report Information, such as your credit
report. To do this, you must contact the consumer reporting agency
that provided it.
If we make
your requested correction, we will notify you in writing. We will
also notify anyone named by you who may have received the
information within the previous two years. If required by law, we
will also notify others who may have given it to or received it from
us. If we refuse to make the requested correction, you may file with
us a concise written statement about why you object, including the
information you think is correct. Your statement will then become
part of your file. It will be sent to the same persons to whom we
would send a copy of any correction or
change. |
Is there additional
information for Web site visitors? |
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Yes. When you
visit our Web sites, we use the information we collect to provide
services to you. We use Web Site Information to help understand what
you want so that we can enhance your online experience. For example,
if you start an insurance quote on our Web site, but decide to
finish it later, we will save your information so you can pick up
where you left off. We also use Web Site Information to analyze use
of our Web sites. Information that does not identify you, or that
you give us for contests and surveys, may be used for marketing
purposes.
We advertise
on other companies' Web sites. Some of these sites may use cookies
and Web beacons when you click on or move your cursor over our ads.
This technology will transmit non-personally identifiable
information about you to us or our service providers. We use the
information to analyze our marketing efforts.
We may use
advertising companies to display our ads on Web sites. These
companies may use non-personally identifiable information about your
visits to Web sites, together with non-personally identifiable
information about your purchases and interests from other online and
offline sources, to provide ads about goods and services of interest
to you. In addition, we may share Web site usage information with
these companies to manage and target ads and for market research. We
and our ad companies may note some of the pages you visit on our
site through Web beacons. While serving ads to this site, our ad
companies may place or recognize unique cookies on your
computer.
You can choose
to have your browser warn you each time a cookie is delivered to it,
or you can choose to reject all cookies delivered through your
browser. You do this by changing the settings on your browser (e.g.,
Internet Explorer, Netscape, Mozilla Firefox, etc.). Each browser is
a little different, so look at your browser's "Help" menu to learn
how to modify its settings to reflect your cookie preferences.
However, if you choose to reject cookies, you may not have access to
many features that make your Web experience smoother, and some of
our services may not function
properly. |
Why do you ask for my
e-mail address? |
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When you quote
or buy insurance on our Web site, we collect your e-mail address so
that we can send you e-mails concerning your transactions with us,
and other information we think you'll find
useful.
We will also
use your e-mail address to provide updates about our products and
services. You can stop receiving promotional updates by using the
links provided in the emails. Customers may also manage their
preferences in the policy services area of our Web
site.
To ensure you
get our e-mails, our service provider or we may receive
confirmations when you open them or click through e-mail links.
These confirmations may also show whether your e-mail application
supports graphics, so we can tailor our messages to
you.
We will share
your e-mail address with your selected agent or broker. We will not
share your e-mail address with other companies for their marketing
purposes without your consent. |
What about links to
other Web sites? |
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Our Web site
contains links to other sites that are not ours. These links are
solely for your convenience. We make no warranties or
representations about other Web sites. We recommend that you read
the privacy and security policies of these
sites. |
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