E&M GLOBAL INSURANCE, Inc.® ("we" or "us" or "E&M GLOBAL INSURANCE") has established this Privacy Policy to explain how it protects and manages the personal information that it collects from you online.
1. Consent for Collection, Use and Disclosure
Your use of the www.emglobalinsurance.com website ("Website") and/or your registration for Website products and services constitute your consent to the terms of this Privacy Policy. If you do not agree to the terms of this Privacy Policy, please do not use the Website or services.
We may occasionally update this Privacy Policy. When it does, we will also revise the "last update" date at the top of this Privacy Policy. E&M GLOBAL INSURANCE may make new uses or disclosures of information collected from users, such as in connection with an investigation of a breach of an agreement, contravention of laws, an emergency where the life, health or security of an individual is threatened, the collection of a debt or in compliance with the request of a law enforcement agency or a court order, and in such circumstances, this Website will not inform and obtain the consent of the user prior to such change.
A user may withdraw his or her consent for collection, use and disclosure at any time by sending an email to unsubscribe. Please note that, if you do, this Website may suspend its provision of products and services to you.
2. Accountability
E&M GLOBAL INSURANCE collects certain "personal information" (information that personally identifies you) which may include, but is not limited to, your name, email address, home or work address, telephone number, and information about your computer hardware and software (e.g., IP address, operating system, browser type, domain name, URL, access times, and referring web site addresses).
We have implemented this Privacy Policy to protect personal information received from its users, and to respond to any inquiries. The Privacy Policy also provides that we will use appropriate contractual means to establish a comparable level of protection for personal information which is sent for processing by third parties on our behalf.
3. Purposes for Collecting Personal Information
E&M GLOBAL INSURANCE collects and uses personal information for the following Identified Purposes:
(a) to understand user needs regarding Website services;
(b) to develop and provide our Website and our products and services for our users;
(c) to fulfill your requests for products, services or information;
(d) to communicate with users and site visitors, when necessary, and to inform users of upgrades, as well as of other products and services available from E&M GLOBAL INSURANCE, its affiliates and third parties;
(e) to allow users to access limited-entry areas of the Website;
(f) to personalize some of our services and products for you and to deliver targeted advertisements and offers from the Website and third parties;
(g) to bill accounts and maintain payment records;
(h) to comply with any applicable law, regulation, legal process or government request;
(i) to respond to a legitimate claim, or to address our reasonable belief, that you are violating the rights of any third party or any of the agreements or policies that govern your use of the Website or any product or service on the Website;
(j) to protect the services, products, information, or rights of the Website, including but not limited to the security or integrity of the site; and
(k) to identify and resolve technical problems concerning the Website, its information, products and services.
The Website also uses personal information in an aggregate form (i.e., not individually attributable to you) for its business analysis, operational, marketing and other promotional purposes.
If we hire other companies to provide some products or services on our behalf, then we will only provide those companies the personal information they need for the Identified Purposes, and we will limit their rights to use and further disclose your personal information as appropriate in the course of their work for us.
4. Limiting the Collection of Personal Information
E&M GLOBAL INSURANCE limits its collection of personal information to only that information which is necessary for the Identified Purposes. E&M GLOBAL INSURANCE does not direct its site to, nor does it knowingly collect any personal information from children under the age of thirteen and have adopted techniques to ensure compliance with this Privacy Policy and the Children’s Online Privacy Protection Act of 1998 ("COPPA"). COPPA and its accompanying regulations under United States federal law protect the privacy of children using the Internet. Our site includes content that may be unsuitable for children under thirteen and which are not necessarily monitored. We encourage all parents to talk to their children about online safety and to monitor their children’s use of the Internet.
5. Information Collected Automatically
E&M GLOBAL INSURANCE uses "cookies" to obtain certain types of non-personally identifiable information, such as the Internet Protocol and referring web site addresses, browser type and domain name, when a web browser accesses our site or advertisements and other content served by us or on our behalf on other web sites.
We and our partners use various technologies to collect and store non-personally identifiable information and anonymous data when you visit our pages, and this may include using cookies, web beacons or similar technologies to identify your browser or device. If you do not want to allow this level of tracking you can set up rules to manage cookies in your web browser or use incognito mode. If you choose to not have your browser accept cookies from the Website, you may not be able to view all the text on the screens, or to experience a personalized visit, or to subscribe to certain service and product offerings on the Website. For more information on how to opt-out of cookie tracking please visit AboutAds.info (http://www.aboutads.info/choices/).
6. Disclosure, Processing and Retention
We do not sell, rent, or disclose your personal information to anyone else, except:
(a) to someone you have designated to act as your agent, for one or more of the Identified Purposes (listed in Section 3, above);
(b) to E&M GLOBAL INSURANCE' employees, independent contractors, subsidiaries, joint venturers, affiliates, consultants, business associates, service providers, suppliers and agents, acting on our behalf for any of the Identified Purposes;
(c) as necessary if E&M GLOBAL INSURANCE has reason to believe that disclosure is necessary to identify, contact or bring legal action against someone who may be causing injury to or interference (either intentionally or unintentionally) with E&M GLOBAL INSURANCE' rights or property, other users of the Website, products or services, or anyone else that could be harmed by such activities; and
(d) to respond to judicial process and provide information to law enforcement agencies or in connection with an investigation on matters related to public safety, as permitted by law, or otherwise as required by law.
In addition, as we continue to develop our business, we or our affiliates may sell or buy other businesses or entities, or we may merge with another company. In such transactions, personal information may be one of the transferred business assets. Also, in the event that E&M GLOBAL INSURANCE or substantially all of its assets are acquired, your personal information may be one of the transferred assets.
Your information may be stored and processed in the United States, or in any other country in which E&M GLOBAL INSURANCE or its affiliates, subsidiaries or agents maintain facilities. By using this Website, you consent to any such transfer of information outside of your country.
7. Accuracy of Personal Information
We will use reasonable efforts to keep personal information accurate for the Identified Purposes, and for minimizing the possibility of making inappropriate user decisions based on such information. Users are responsible for informing E&M GLOBAL INSURANCE about changes to their personal information. E&M GLOBAL INSURANCE will use new or updated personal information it receives from users to update its own records.
8. Security Safeguards
The safety and security of your online experience is of the utmost concern to us. We ensure the appropriate physical, electronic, and managerial procedures are in place to safeguard and help prevent unauthorized access, maintain data security, and correctly use the information we collect online.
E&M GLOBAL INSURANCE will use commercially reasonable efforts to protect users’ personal information.
It is important for you to protect against unauthorized access to your password and to your computer. Be sure to sign off when finished using a shared computer.
9. Access to Personal Information
E&M GLOBAL INSURANCE will afford you a reasonable opportunity to review the personal information in your file only, upon request to info@markusmp.com.
If E&M GLOBAL INSURANCE is not able to provide access to some aspect of a user's personal information, it will provide reasons for denying access such as: that by doing so would likely reveal personal information about a third party, or that it is confidential commercial information or attorney-client privileged communications, or that the information relates to a breach of an agreement or a contravention of law, or that its disclosure could reasonably be expected to threaten the life or security of another individual.
Users have the right to request that inaccurate or incomplete information be amended as appropriate, by contacting E&M GLOBAL INSURANCE at info@markusmp.com. E&M GLOBAL INSURANCE will promptly correct such personal information.
Thank you for visiting our site.
5/3/2017
