In addition to assets and reputations, we protect your information.
We at Medical Mutual Insurance Company of Maine (“MMIC,” “we,” “us,” or “our”) respect your privacy and are committed to protecting it through our compliance with this website privacy policy (“Privacy Policy”).
This Privacy Policy describes our practices for collecting, using maintaining, protecting, and disclosing the information that we or our service providers collect through our website located at medicalmutual.com (hereinafter the “Website”).
We treat any information that relates to an identified or identifiable individual or that is linked or linkable to them by MMIC as “personal information,” no matter where the individual lives. This means that information that directly identifies you – such as your name – is personal information, and also information that does not identify you, but that can reasonably be used to identify you – such as the serial number of your device.
This Privacy Policy does not apply to information that
- is aggregated, anonymous, or de-identified;
- we collect offline or on any other MMIC websites, or through any other means; or
- you provide to, or is collected by, any third party.
Please read this Privacy Policy carefully to understand our practices regarding your personal information and how we will treat it. If you do not agree with our policies and practices, your choice is to not use the Website. By accessing or using the Website, you acknowledge that you have read, understand, and agree to this Privacy Policy.
Information Collection and Use
Voluntarily Submitted Information
At various areas of our Website, there are opportunities for visitors to voluntarily submit personal and other information to MMIC. All voluntarily submitted personal and other information is protected in accordance with this Privacy Policy.
We use the personal and other information you voluntarily submit through our Website:
- to present our Website and its contents to you;
- to solicit or receive your feedback and inquiries;
- to inform you about our products and services;
- to send you important information regarding our relationship with you, the Website, or changes to our terms, conditions, and policies;
- to perform a contract, comply with a legal obligation, or for other legitimate business or legal purposes;
- to respond to your feedback, questions, and requests for information; and/or
- in any other way or for any other purpose that we may describe when you provide the information or to which you consent.
Voluntarily submitting personal and other information through our Website or using our online forms constitutes your consent to our use of the information for the stated purposes and to our disclosure of the information in accordance with this Privacy Policy. If you do not choose to utilize online forms, we will deliver written forms to you by another means you reasonably request.
Automatically Collected Information
MMIC collects and stores certain technical information about your visit to our Website for use in site management and for security purposes. This information includes, by way of examples, and not exclusively:
- the Internet domain from which you access our Website;
- the IP address (a unique number for each computer connected to the Internet) from which you access our Website;
- the type of browser used to access our Website;
- the operating system used to access our Website;
- the date and time you access our Website;
- the URLs of the webpages you visit; and
- if you visited our Website from another website, the URL of the other website.
With this information we learn about the visitors to our Website and the areas of the Website visitors use most frequently.
Disclosure of Information to Third Parties
We may disclose automatically collected personal and other information about our Website’s users with partners to help us in marketing MMIC services and products. We may disclose personal and other information that is collected:
- to our subsidiaries and affiliates;
- to contractors, service providers, and other third parties we use to support our business and who are bound by contractual obligations to keep personal and other information confidential and use it only for the purposes for which we disclose it to them, such as auditors, reinsurers, and actuaries who may review the information during their annual review of our accounts and marketers who help us identify or contact people who may be interested in our services and products;
- to attorneys whom we ask to advise us on information we receive through our Website, to provide defense for a claims matter, or to provide other legal services MMIC or its insureds require;
- to an insurance agent, if an insured utilizes the services of an agent;
- to comply with any court order, law, or legal process, including any state and federal audits of our files to ensure MMIC is complying with insurance and other business-related laws;
- to enforce our rights arising from any contracts entered into between you and us;
- to fulfill the purpose for which you provide it to us;
- for any other purpose disclosed by us when you provided the information or for which you consented; and
- as necessary to protect the rights, property, or safety of MMIC, its insureds, or others.
Use of Cookies
MMIC places Internet cookies on Website visitors’ hard drives. A cookie is a piece of information stored on the visitor’s hard drive containing information about the visitor’s interactions with our Website. Visitors may decline the Internet cookie by using the appropriate feature of their Internet browser software, if available. However, you may not be able to access all of the Website content if you decline MMIC’s cookie.
Information Retention
Unless specified otherwise, personal and other information obtained through our Website is processed and stored for as long as required for the business purpose for which it was provided to us or collected by us and may be retained for longer if required by applicable law or your consent.
Accessing and Modifying Information
To request access to any personal or other information that you have provided to us for purposes of interacting through our Website, or to correct or delete that information, you contact us as directed in the “Contacting Us” section of this Privacy Policy, below. We may not accommodate a request to change information if we believe the change would violate any legal requirement or cause the information to be incorrect or misleading.
Choice/Opt-Out
Website visitors may opt-out of receiving email communications from us by following the instructions in any email your receive from MMIC or by contacting us as directed in the “Contacting Us” section of this Privacy Policy, below.
Security
MMIC takes commercially reasonable security measures to protect your personal and other information against loss, misuse, and alteration. Information is collected using a secure Web server using encryption technology. The Secure Server Certification is renewed annually. The safety and security of your information also depends on you. Due to the rapid evolution of technology and the inherent nature of the Internet, MMIC cannot guarantee the security of information shared over the Internet or by e-mail.
Collection of Information from Children
The Website is not intended for children, and MMIC will not knowingly collect personal or other information from children through the Website without their parent’s or guardian’s consent. MMIC cannot always determine if a visitor to its site or the sender of an email is a child, however. If you believe we might have received information from or about a child through our Website, please contact us as described in the “Contacting Us” section, below.
Right to Change Privacy Policy
This Privacy Policy is effective as of the date stated at the top. MMIC reserves the right to change this Privacy Policy from time to time. If at some point in the future we make changes, the new Privacy Policy will be posted to this Website and will go into effect immediately. Your use of the Website following any changes means that you accept the revised Privacy Policy. Please refer to this Privacy Policy on a regular basis.
Contacting Us
If you have any questions or concerns about this Privacy Policy, the MMIC Website, your personal and other information provided or collected through the Website, or your dealings with the Website, please contact us as follows.
Mark McGhie, Medical Mutual Web Projects Manager
Regular Mail:
Medical Mutual Insurance Company of Maine
PO Box 15275
Portland, Maine 04112-5275
Telephone:
+1-800-942-2791 or +1-207-775-2791
Email:
info@medicalmutual.com
Right to Contact User
MMIC reserves the right to contact Website visitors regarding account status, changes to the Privacy Policy, and any other matters relevant to Website visitors or their use of the Website.