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Purpose Of This Notice
At Merrimac Marine Insurance, LLC, we understand your concerns about privacy. We hope this notice, which describes our use and protection of nonpublic personal information (“customer information”) will help you understand how we treat the customer information we obtain from you or other sources in the course of providing you with our insurance products and additional services.
Furthermore, we do not collect information for the purposes of distribution or resale and wish to inform you that we do not share your personal information with any non-affiliated third parties. Information that may be obtained is only for internal use to service the quotation, or to address an inquiry made from this website and Merrimac Marine Insurance, LLC and its affiliates.
Whether you’re doing business with us through an agent, broker, or our Web site, we want you to know that Merrimac Marine Insurance, LLC respects your privacy and protects your information.
- We do not sell your customer information.
- We do not share, loan or give customer information to persons, companies, or organizations outside of Merrimac Marine Insurance, LLC that would use that information to contact you about their own products and services.
- We expect persons or organizations that provide services on our behalf to keep customer information confidential and to use it only to provide the services we’ve asked them to perform.
- Within Merrimac Marine Insurance, LLC, we communicate regarding the need to protect your information on to those individuals who may have access to it, and we've established physical, electronic, and procedural safeguard to protect customer information.
As a part of our normal operations we collect, and in some cases disclose information about you. We encourage you to read the following Privacy Statement that contains information about Merrimac Marine Insurance, LLC policies regarding the collection, use, disclosure, and protection of your information. If you are not comfortable with any of the terms or policies described in this Statement, we encourage you to send confidential correspondence through the postal service.
What information do we collect?
Personal, Financial and Product Information
We collect personally identifiable information in order to identify and register you as a Merrimac Marine Insurance, LLC customer. In addition, we collect personal, financial and product information in artier to provide you with services tailored to your particular needs. By learning about you, Merrimac Marine Insurance, LLC can deliver more relevant protection and product offerings and thus offer you better insurance services and options.
The information we collect will vary depending upon the function or processes you select or request,(for example, quote, request for proposal, e-mail, purchase), You may be required to provide information such as:
- Name
- Address
- Birthdates
- Phone Numbers
- Email Address
- Policy Type(s) & Number(s)
- Loss History
- Financial Data
- Social Security Numbers
- Drivers License Number (s) - which may be used to obtain your Motor Vehicle Record (MVR) for accident/violation history; information about vehicle operators; lien/lease holders; vehicle information etc.
While the content of our website is suitable for children of all ages, the site is for Insurance and financial products and services and is not intended for children. We offer insurance and financial products and services and thus do not market any products or services to children under the age of thirteen or knowingly collect any information from children under the age of thirteen. If we become aware that information is or has been submitted by or collected from a child under the age of thirteen, we will destroy this information. In addition, links that may direct to visitor to websites beyond the bounds of the site are out of our control to maintain. However, we do attempt to verify the suitability of such links, and encourage you to let us know of any concerns that may occur.
What kind of customer information do we have, and where did we get it?
Much of the customer information we collect comes directly from you. When submitting your application or request for insurance or other products and services we offer, or in requesting an insurance quote, you may give us information such as your name, address, and Social Security number, financial records etc. We also keep information about your transactions with our affiliates, others, or us -for example, the types of products and services you purchase from us, premiums, policy account balances and payment history. We also may collect information from outside sources, including consumer reporting agencies, and/or health care providers or reporting agencies such as the Medical Information Bureau (MIB). This information includes loss information reports, motor vehicle reports, credit reports, and medical information.
Who collects this information?
In order to better serve your particular needs, the information noted above is collected by Merrimac Marine Insurance, LLC, its agents, and other companies working on behalf of Merrimac Marine Insurance, LLC In addition to collecting information from you, you should also know that, depending on the nature of your transaction, we may collect information from outside sources such as loss information reports, motor vehicle reports, and credit reports. For property insurance, we may send someone to inspect your property and verify information about the value and condition of your property.
How is this information used?
The information you submit to us via our on-line forms and e-mail is used to provide you with the response or service you have requested.
We may also use this information to contact you about our products and services. If you do not wish to receive these communications, you can write us, e-mail us or simply reply to any a-mails you receive from our employees informing us of your desire to be removed from our mailing lists.
Who has access to this information?
In order to better serve your particular needs, Merrimac Marine Insurance, LLC, its employees, and certain companies working on Merrimac Marine Insurance, LLC behalf have access to this information. This information may also be disclosed to third parties without your consent if disclosure is necessary to comply with legal processes or to protect the rights, property, or personal safety of Merrimac Marine Insurance, LLC, its users or the public. We may also provide limited information about you to third parties without your permission when necessary or appropriate to service an Insurance policy we have issued (e.g, inquiries from lien holder or additional insureds listed on the policy) or to address claims submitted under a policy we have issued.
In addition, we may, as permitted by law, provide information about you without your permission to certain persons or organizations, such as: your agent or broker; insurance support organizations; other insurance companies in order to perform their function in regard to an insurance transaction involving you (i.e. a claim); independent claim adjusters; businesses that conduct actuarial or research studies; regulatory and law enforcement authorities; or our affiliated companies, if any.
What are your options regarding collection, use, and distribution of our information?
Any information you submit to us via written applications, our Web site’s on-line forms or e-mail is done so on a voluntary basis. When you access our site in this manner, the collection, use, and distribution of your information will be handled according to the terms and policies outlined in this Privacy Statement. If you object to the collection, use, and distribution policies outlined in this Privacy Statement, we ask that you do not submit information.
What are your options regarding correction or storage of your information?
You may, with proper identification, request to personally see the items we have on file. If you believe the information we have about you in our records or files is incomplete or inaccurate, you may request via telephone or a postal mail letter that we make any necessary additions or corrections or, in the extent that it is feasible, that we delete this information from our files.
Links and Co-Branded Sites
This Web site contains links to other sites. Merrimac Marine Insurance, LLC provides links to other sites as a convenience to persons who visit the Merrimac Marine Insurance, LLC web site. If you choose to use the services provided by those sites, you may be asked by those sites to provide certain personally identifiable information (some of which may, on an individual or aggregated basis, be shared with Merrimac Marine Insurance, LLC. Please be aware that Merrimac Marine Insurance, LLC is not responsible for the privacy practices of those sites, even though Merrimac Marine Insurance, LLC name or logo may appear on those sites. We encourage you to be aware when you leave our site and to read the Privacy Statements of each and every Web site that you visit, as the privacy policy of those sites may differ from ours.
Web Site Disclaimer:
IMPORTANT NOTE: This Web site provides only a simplified description or coverages and is not a statement of contract. Coverage may not apply in all states. For complete details of coverages, conditions, limits and losses not covered, be sure to read the policy, including all endorsements, or prospectus, if applicable. Coverage CANNOT be bound, amended, or altered by leaving a message on, or relying upon, information in this Website or through E-Mail.
