COLLECTION, USE AND DISCLOSURE OF PERSONAL INFORMATION
The information gathered by Marsh from this Site falls into two categories: (1) information supplied by visitors to our Site and (2) tracking information gathered as visitors navigate through our Site.
Information Voluntarily Provided by You
When using this Site, you may provide us with information to help us serve your needs. For example, you may provide us your e-mail address to request information, or you may send us your mailing address so we may send you the material you have requested. We may also ask you to register for use of certain services available through our Site by submitting information such as your name, your organization, and other contact information as well as information about your organization. Any Personal Information that you send us will be used only for the purpose indicated on the Site or in this Policy. We may also use your information to provide you with information about other services and products that are offered by Marsh or our affiliated companies that we think may be of interest to you.
If you do not wish to be contacted by us, please see the section titled "Opting-Out" below.
Website Navigational Information
As you navigate the Site, Marsh may also collect information through the use of commonly-used information-gathering tools, such as cookies and Web beacons (collectively "Website Navigational Information"). Web Site Navigational Information includes standard information from your Web browser (such as browser type and browser language), your Internet Protocol ("IP") address, and the actions you take on the Site (such as the Web pages viewed and the links clicked). We describe this Website Navigational Information in more detail below:
(ii) Web Beacons. This Site may also use Web beacons alone or in conjunction with cookies to compile information about Users usage of the Site and interaction with emails from Marsh. Web beacons are clear electronic images that can recognize certain types of information on your computer, such as cookies, when you viewed a particular Web site tied to the Web beacon, and a description of a Web site tied to the Web beacon. We use Web beacons to operate and improve the Sites and email communications. We may use information from Web beacons in combination with other data we have about our clients to provide you with information about Marsh and our services.
(iii) IP Addresses. When you visit our Sites, Marsh collects your Internet Protocol ("IP") addresses to track and aggregate non-personally identifiable information. For example, Marsh uses IP addresses to monitor the regions from which Users navigate the Sites.
(iv) Third Party Cookies. From time-to-time, Marsh may engage third parties to track and analyze non-personally identifiable usage and volume statistical information from individuals who visit our Site. The information provided to third parties does not include personal information, but this information may be re-associated with personal information after Marsh receives it. This Privacy Statement does not cover the use of third party cookies.
Discussion Forum And Chat Room Use
If you participate in a Marsh discussion forum or chat room, you should be aware that the information you provide there will be made available to Marsh employees and other users of the service. Also, please recognize that the individual forums and chat rooms may have additional rules and conditions. Each participants opinion on a forum or chat room is his or her own and should not be considered as reflecting the opinion of Marsh.
DISCLOSURE OR USE OF PERSONAL INFORMATION
(i) Agents and Service Providers. We sometimes contract with other companies and individuals to perform functions or services on our behalf, such as hosting this Site, sending e-mail messages and making phone calls on our behalf. They may have access to Personal Information, such as email addresses, needed to perform their functions, but are restricted from using it for purposes other than providing services for Marsh and are required to safeguard any Personal Information they access.
(ii) Business Transfers. As we continue to develop our business, we might sell or buy assets. In such transactions, user information generally is one of the transferred business assets. Also, if either Marsh itself or substantially all of Marsh assets were acquired, your Personal Information may be one of the transferred assets.
(iii) Legal Matters. Marsh may preserve and has the right to disclose without your prior permission any information about you or your use of this Site if Marsh has a good faith belief that such action is necessary to: (a) protect and defend the rights, property or safety of Marsh or its affiliates, employees, other users of this Site, or the public; (b) enforce the Terms, or (c) respond to claims that any content violates the rights of third-parties. We may also disclose information as we deem necessary to satisfy any applicable law, regulation, legal process or governmental request.
We have in place physical, electronic, and procedural safeguards appropriate to the sensitivity of the Personal Information we collect, use and maintain. However, as effective as our security measures are, no security system is impenetrable. We cannot guarantee the security of our databases, nor can we guarantee that information you supply will not be intercepted while being transmitted to us over the Internet. We ask that you do your part by maintaining in strict confidence any computer passwords you use to access the Internet or this Site. We encourage responsible reporting of any vulnerabilities that may be found in our Sites or any application available through our Sites.
MARSH LLC IS NOT INTERESTED IN MINORS
You must be at least 18 years old and possess the legal authority to form legally binding contracts under applicable law to use this Site and the services provided on it. Marsh does not knowingly collect Personal Information from those under the age of 18. In an instance where such information was collected, it would be purely accidental and unintentional.
Attn: Legal Department/Privacy Officer 1166 Avenue of Americas New York, NY 10036
2) Opting Out: If when using this Site, you have previously furnished us with contact information but now do not want to receive further communications which are not necessary to provide you with services, please let us know by sending an email specifying your opt-out instructions to: