When you come to a Moylan's Insurance Underwriters, Inc. web site, we log your current Internet address (this is usually a temporary address assigned by your Internet service provider when you log in), the type of operating system you are using, and the type of browser software used. In addition, we may keep track of what portions of the web site you are visiting. We aggregate this information to help us create a better experience for users of our web site. For example: we may upgrade those parts of the web site that are heavily visited or optimize the web site to work more efficiently with certain operating systems. This is all done without our knowing your name or other personal identifying information. When you visit a Moylan's Insurance Underwriters, Inc. web site you are anonymous, unless you chose to identify yourself to us.
You are not required to provide us with personal information to use our web sites, unless expressly stated. For example, certain features may require you to submit some personal information in order for those features to function as designed. Such information might include name, address, E-mail address, and phone number. Certain of our web sites may require you to provide identifying information and use individual passwords in order to access personal information.
If you do choose to provide us with personal information, you can be assured that such information is kept in secured databases. We may use anything we know about you to help us serve you better. We may use it, and disclose it to our affiliates and others, for any purpose allowed by law. For instance, we may use your information, and disclose it to others, in order to:
- Help us evaluate your request for a Moylan's Insurance Underwriters, Inc. product or service
- Help us process claims and other transactions
- Confirm or correct what we know about you
- Help us prevent fraud, money laundering, terrorism and other crimes by verifying what we know about you
- Help us run our business
- Process data for us
- Perform research for us
- Help us comply with the law
- Audit our business
Other reasons we may disclose what we know about you include:
- Doing what a court or government agency requires us to do; for example, complying with a search warrant or subpoena
- Telling another company what we know about you, if we are or may be selling all or any part of our business or merging with another company
- Giving information to the government so that it can decide whether you may get benefits that it will have to pay for
- Telling your health care provider about a medical problem that you have but may not be aware of
- Giving your information to a peer review organization if you have health insurance with us
- Giving your information to someone who has a legal interest in your insurance, such as someone who lent you money and holds a lien on your policy
When we disclose information to others to perform business services for us they are required to take appropriate steps to protect this information. And they may use the information only for the purposes of performing those business services.
We may use what we know about you in order to offer you our other products and services. We may share your information with other companies to help us. Here are our other rules on using your information to market products and services:
- We will not share information about you with any of our affiliates for use in marketing its products to you, unless we first notify you. You will then have an opportunity to tell us not to share your information by "opting out."
- Before we share what we know about you with another financial services company to offer you products or services through a joint marketing arrangement, we will let you "opt-out."
- We will not disclose information to unaffiliated companies for use in selling their products to you, except through such joint marketing arrangements.
- We will not share your health information with any other company, even one of our affiliates, to permit it to market its products and services to you.
Generally, we will let you review what we know about you if you ask us in writing. (Because of its legal sensitivity, we will not show you anything that we learned in connection with a claim or lawsuit.) If you tell us that what we know about you is incorrect, we will review it. If we agree with you, we will correct our records. If we do not agree with you, you may tell us in writing, and we will include your statement when we give your information to anyone outside Moylan's Insurance Underwriters, Inc.
A cookie is a small piece of information that a web site sends to your computer, which is stored in a file on your hard drive. The next time you visit our web site, we may use the information stored in your cookie file to facilitate your use of our web site. For example, we may use your cookie file to store a password so that you do not have to input it every time you move to a different section of a password protected portion of our web site. A cookie does not tell us your individual identity unless you have chosen to provide it to us. Most cookies expire after a defined period of time, or you can delete your cookie file at any time you choose. In addition, you can set your browser to notify you when you receive a cookie so that you can decide whether to accept or reject it.
A web bug (or web beacon) is a tiny graphical image that is typically on a web page. Somewhat like a cookie, a web bug can tell us information such as what kind of browser is being used and what time of day this page was accessed. Some web bugs can include information such as your IP address. Some technologies will notify you of the presence of web bugs, but browsers typically do not notify you of them.
Moylan's Insurance Underwriters, Inc. uses no encryption (data scrambling) on certain portions of our web site, and up to 128-bit encryption on other portions. When you are on any web site that asks you for confidential information (your social security number or a bank or credit card account number, for example), you should check to see if the information being transmitted is encrypted in order to increase the security of your information. If you need to send confidential information and are concerned about the security of a web site, then you should consider sending it by phone or by regular mail instead.