> Contact Information
> Cookies and Pixel Tags
> How We Collect and Use Information
> Newsletters and Alerts
> Notification of Changes
> Online Applications and Quote Forms
> Third Party Websites
> Usage Tracking
Cookies and Pixel Tags
A "cookie" is a small text file that is placed on your hard drive by a Web page server. Cookies can not be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you and can be read only by a Web server in the domain that issued the cookie to you.
You have the ability to delete cookie files from your hard drive at any time. However, you should know that cookies may be necessary to provide you with access to much of the content and features of this Site and other sites accessed through this Site. Cookie technology may be used to enable authorized Users to move quickly and securely through access-controlled areas of this Site. Cookie technology also allows registered Users to take advantage of certain useful features on this Site, including "remember my password."
Pixel tags, also called "clear gifs" may be imbedded in a web page and note visits to certain locations within the Site or to gather other non-personal usage information. They may also be used in e-mail communications to verify that you have received and opened a communication from MS&A.
Please note that your e-mail, like most, if not all, non-encrypted Internet e-mail communications, may be accessed and viewed by other internet users, without your knowledge and permission, while in transit to us. To protect your privacy, please do not use e-mail to communicate information to us that you consider confidential. Instead, we recommend that you contact us via non-cellular telephone or other secure method.
How We Collect and Use Information
We collect personal information at several different points on this Site in compliance with applicable laws and ethical business practices, in order to provide information, services and products and to conduct business. We limit the information we collect to that which is necessary for, or related to, these purposes.
We may use or disclose your personal information for the purposes for which it was collected, other purposes that you consent to, or as required or permitted by law. We may share this information with insurers, reinsurers, our agents, our representatives or our service providers.
We will not sell, share or rent your personal information, without your consent, with any outside organization for the purpose of that organization marketing its products or services to you. We maintain appropriate safeguards to protect your information and limit access to it to people who need access to do their jobs.
We will keep your information only as long as needed to satisfy the purposes for which it was collected or as required or permitted by law.
Our goal is to keep our records of your personal information as accurate and up to date as is necessary to fulfill the purposes for which it is used.
We will protect personal information with security safeguards that are appropriate to the sensitivity of the information, in order to protect it from unauthorized access, release or use.
Upon your written request, we will provide you with reasonable access to your personal information and a description of its use or disclosure, as required or permitted by law. You may also verify the accuracy and completeness of your information, and request that it be amended, if appropriate.
Newsletters and Alerts
If you register and receive newsletters or alerts from this Site or a site accessed through this Site, you may be asked for additional information, including, but not limited to, your name, address, e-mail address, telephone number or what you are interested in. Other information may also be necessary, depending on the type of newsletter or alert requested. This information is not provided to any outside third party.
Notification of Changes
Online Applications and Quote Forms
This Site contains online applications and quote forms for Users to apply for insurance or to request information on services and products. We collect User's contact information and other information deemed necessary in order to provide quotes for insurance products and services. Also, during the online application process of an insurance policy, we may collect additional information, including, but not limited to, name, address, telephone number, demographic data, credit history, income statements, other insurance products owned, medical history or other factors that affect insurability.
Third Party Websites
MS&A tracks and catalogs certain information regarding the use of this Site, including search terms that you enter, pages or documents viewed, click stream while on the Site, traffic information, and databases used. If you are a registered User, this information is stored with your registration information. A unique identification designation is used solely for purposes of enabling this Site or a site accessed through this Site to provide a personalized experience for you. Anonymous or aggregated forms of this data may also be used in order to help us understand areas for future research and to identify future features and functions to develop for this Site.
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