COMMITMENT TO YOUR PRIVACY
Because we gather certain types of information about our users, we feel you should fully understand the terms and conditions surrounding the capture and use of that information. This privacy statement discloses what information we gather and how we use it.
INFORMATION BENEFITS RESOURCE GROUP GATHERS AND TRACKS
Marsh & McLennan Agency formerly Benefits Resource Group gathers two types of information about users:
1) Information that users provide through optional, voluntary submissions. These are voluntary submissions to register your warranty, receive our electronic newsletters and coupons, to participate in our message boards or forums, to email a friend, and from participation in polls and surveys. Information requested may include your name, address, e-mail address, telephone number, etc., as well as demographic information. This data is aggregated and analyzed so we can learn more about our customers, their purchasing behavior and habits, and product needs.
2) Information Marsh & McLennan Agency formerly Benefits Resource Group gathers through aggregated tracking information derived mainly by tallying page views throughout our sites. This information allows us to better tailor our content to readers’ needs and to help us better understand the demographics of our audience. Under no circumstances does Marsh & McLennan Agency formerly Benefits Resource Group divulge any information about an individual user to a third party.
Our website also allows you to contact us directly with questions or comments regarding our products. This process requires you to give us certain personal information so that you may answer your questions. All opinions, ideas, suggestions, and other feedback submitted via email or our website may be used by Marsh & McLennan Agency formerly Benefits Resource Group without any restriction and free of charge.
Marsh & McLennan Agency formerly Benefits Resource Group Gathers User Information in the Following Processes:
Optional Voluntary Information
We offer, or may offer in the future, the following free services, which require some type of voluntary submission of personal information by users:
1) Electronic newsletters and coupon dispatches
We may offer our site users a free electronic newsletter to users. Marsh & McLennan Agency formerly Benefits Resource Group gathers the email addresses of users who voluntarily subscribe. Users may remove themselves from this mailing list by following the link provided in every newsletter that points users to the subscription management page. Users can also subscribe to the newsletters at the time of registration.
2) Message boards/forums
We may offer our site users Message Boards and Forums. Users must register separately for these services (both are free of charge) in order to post messages, although they needn’t register to visit the site. During registration the user is required to supply a username, password, and email address.
3)”E-mail this to a friend” Service
We may offer our site users the ability to electronically forward a link, page, or documents to someone else by clicking “e-mail this to a friend.” The user must provide their email address, as well as that of the recipient. This information is used only in the case of transmission errors and, of course, to let the recipient know who sent the email. The information is not used for any other purpose.
We may offer interactive polls to users so they can easily share their opinions with other users and see what our audience thinks about important issues. Opinions or other responses to polls are aggregated and are not identifiable to any particular user. Marsh & McLennan Agency formerly Benefits Resource Group may use a system to “tag” users after they have voted, so they can vote only once on a particular question. This tag is not correlated with information about individual users.
Marsh & McLennan Agency formerly Benefits Resource Group may occasionally conduct user surveys to better target our content to our audience. We sometimes share the aggregated demographic information in these surveys with our sponsors, advertisers and partners. We never share any of this information about specific individuals with any third party.
Consistent with the Federal Children’s Online Privacy Protection Act of 1998 (COPPA), we will never knowingly request personally identifiable information from anyone under the age of 13 without requesting parental consent.
Marsh & McLennan Agency formerly Benefits Resource Group tracks user traffic patterns throughout all of our sites. However, we do not correlate this information with data about individual users. Marsh & McLennan Agency formerly Benefits Resource Group does break down overall usage statistics according to a user’s domain name, browser type, and MIME type by reading this information from the browser string (information contained in every user’s browser).
Marsh & McLennan Agency formerly Benefits Resource Group sometimes tracks and catalogs the search terms that users enter in our Search function, but this tracking is never associated with individual users. We use tracking information to determine which areas of our sites users like and don’t like based on traffic to those areas. We do not track what individual users read, but rather how well each page performs overall. This helps us continue to build a better service for you.
USE OF INFORMATION
Marsh & McLennan Agency formerly Benefits Resource Group uses any information voluntarily given by our users to enhance their experience in our network of sites, whether to provide interactive or personalized elements on the sites or to better prepare future content based on the interests of our users.
As stated above, we use information that users voluntarily provide in order to send out electronic newsletters and coupons and to enable users to participate in polls, surveys, message boards, and forums. We may send out newsletters to subscribers on a regular schedule (depending on the newsletter), and occasionally send out special editions when we think subscribers might be particularly interested in something we are doing. Marsh & McLennan Agency formerly Benefits Resource Group never shares newsletter mailing lists with any third parties, including advertisers, sponsors or partners.
When we use tracking information to determine which areas of our sites users like and don’t like based on traffic to those areas. We do not track what individual users read, but rather how well each page performs overall. This helps us continue to build a better service for you. We track search terms entered in Search function as one of many measures of what interests our users. But we don’t track which terms a particular user enters.
Marsh & McLennan Agency formerly Benefits Resource Group creates aggregate reports on user demographics and traffic patterns for advertisers, sponsors and partners. This allows our advertisers to advertise more effectively, and allows our users to receive advertisements that are pertinent to their needs. Because we don’t track the usage patterns of individual users, an advertiser or sponsor will never know that a specific user clicked their ad. We will not disclose any information about any individual user except to comply with applicable law or valid legal process or to protect the personal safety of our users or the public.
SHARING OF THE INFORMATION
Marsh & McLennan Agency formerly Benefits Resource Group uses the above-described information to tailor our content to suit your needs and help our advertisers and ourselves better understand our audience’s demographics. This is essential to keeping our service free. We will not share information about individual users with any third party, except to comply with applicable law or valid legal process or to protect the personal safety of our users or the public.
Marsh & McLennan Agency formerly Benefits Resource Group has taken precautions to prevent unauthorized access to the site and data collected therein but no server is completely secure, and we cannot be responsible for loss, corruption or unauthorized acquisition of personal information gained through the site.
Our security and privacy policies are periodically reviewed and enhanced as necessary and only authorized individuals have access to the information provided by our customers.
LINKS TO AFFILIATE SITES
OPT-IN / OPT-OUT POLICY
We give users options wherever necessary and practical.
Such choices include:
*Opting not to register to receive our electronic newsletters. We ask customers that wish to receive special offers from us such as coupons, pet-related tips, special offers and new product information to “Opt-in” when they register their product warranty or ask to be placed on our email list.
*Opting not to participate in certain interactive areas, which completely alleviates the need to gather any personally identifiable information from our users.