In general, you can visit our Sites without telling us who you are or sharing any information that personally identifies you ("Personally Identifiable Information"). However, throughout our Sites, you may voluntarily submit Personally Identifiable Information. The JM&A Group only collects Personally Identifiable Information about you if you choose to share it with us. For example, you may submit Personally Identifiable Information to assist in processing a claim on our Sites. Personally Identifiable Information may include, but is not limited to, your name, e-mail address, physical address, drivers license number, phone number and account number at a bank or financial institution.
In addition, like many websites, we gather certain information about our Sites’ traffic for administrative and analytical purposes.
Our primary use of personal information is to administer claims, to respond to requests for information, to promote the smooth and efficient administration of the Sites, and to provide you and other customers, including potential customers, with information that may be of interest. We provide this information to you through the Sites, by e-mail, telephone, text messages, social media postings or by postal mail.
If you have opted to receive marketing communications from the JM&A Group, we may provide you with marketing information we think would be of particular interest. We will give you the opportunity to opt out of receiving such direct marketing communications.
In addition, we may disclose information as required by law or when we believe that such disclosure is necessary in connection with a judicial proceeding or to comply with a court order, law or regulation applicable to us or the Sites; as we reasonably determine to be necessary to protect our property or assert our legal rights; or as we reasonably determine to be necessary to protect the property or safety of any other person.
We may assemble collective, non-individually identifiable profiles of Site users and their activities and interests, which may be disclosed to third parties in our discretion.
We do not have a process for you to review and request changes to your nonpublic personal information that is collected through our Sites.
We do not have a process for you to view, update or correct your information.
To prevent unauthorized access, maintain data accuracy, and ensure the correct use of information, we employ physical, technical and administrative procedures to safeguard the personal information we collect online. However, we cannot ensure or warrant the security of any information you transmit to the Sites or to us, and you transmit such information at your own risk.
We use "cookies" on the Sites. A cookie is a small data file that certain websites write to your hard drive when you visit them. A cookie file can contain information such as a user ID that the Sites use to track the pages you've visited, but the only personal information a cookie can contain is information you supply yourself. A cookie cannot read data off your hard disk or read cookie files created by other sites. You can configure your Internet browser to notify you when you receive a cookie, giving you the chance to accept or refuse it. You can also refuse all cookies by turning them off in your browser.
The JM&A Group Sites may contain interactive areas where users might submit comments or other content (including information about the user that might be displayed in the user’s public profile within an online community) that may be posted on the Sites or otherwise published. Users who do this should be aware that when they voluntarily disclose Personally Identifiable Information (e.g., name, e-mail address, etc.) in content submitted for posting or publication, the information can be read and used by others. This may result in unsolicited messages from other posters or parties. We make no representations and undertake no obligations as to the security or use of information you voluntarily include when submitting content.
We restrict access to Personally Identifiable Information about you to those individuals who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with state and federal regulations to guard your nonpublic personal information.
If you have an inactive or closed account(s) with us, we will continue to adhere to the policies and practices described in this notice.
Our Sites are not directed to children under the age of 13, and we do not knowingly collect Personally Identifiable Information from children under the age of 13. If you would like to learn more about COPPA, visit the Federal Trade Commission home page at http://www.ftc.gov.
Pursuant to California Civil Code Section 1798.83, the JM&A Group confirms that it does not disclose any person’s Personally Identifiable Information to third parties for their own direct marketing purposes.
Our Sites are based on computers located in the United States, however, your Personally Identifiable Information may be stored both inside and outside of the United States. While data protection and privacy regulations may differ in different parts of the world, as explained above, we maintain safeguards that comply with state and federal regulations to guard your nonpublic personal information.
Effective November 6, 2018.