This privacy policy was created to demonstrate our commitment to privacy. It discloses our information gathering and dissemination practices. By using our web page, you consent to the collection and use of this information by Merchants Mutual Insurance Company and its affiliates (collectively “Merchants” or “us”), its officers, agents and employees. Merchants reserves the right to change its privacy policy as deemed appropriate, and Merchants will update any changes on this page.
Information Merchants Collects
Merchants collects the domain name and e-mail address (where possible) of visitors to our web page, the e-mail addresses of those who communicate with us via e-mail, and other information volunteered by you in various ways including but not limited to through online request forms, other online submissions, feedback forms and surveys. The information Merchants collects is used to service its customers, improve the content of its web page, to notify consumers about updates to its site and may be used by Merchants to contact consumers for marketing purposes. In addition, Merchants may track usage patterns on its sites and 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). Merchants may collect the information described in the three preceding paragraphs indirectly through the use of third party independent contractors.
Information Merchants Shares
Merchants does not share personal information with companies, organizations and individuals outside of Merchants unless one of the following circumstances apply: With your consent Merchants will share personal information with companies, organizations or individuals outside of Merchants when we have your consent to do so.
For External Processing
Merchants will provide personal information to its affiliates or other trusted businesses or persons to complete certain business processes, such as credit card processing companies.
For Legal Reasons
We will share personal information with governmental entities, corporations, companies, organizations or individuals outside of Merchants as necessary or appropriate to:
comply with any applicable law, regulation, legal process or enforceable governmental request;
enforce applicable terms of service, including investigation of potential violations;
detect, prevent, or otherwise address fraud, security or technical issues; and
protect against harm to the rights, property or safety of Merchants, our users or the public as required or permitted by law.
Merchants may share aggregated, non-personally identifiable information publicly and with its partners – like publishers, advertisers or connected sites. For example, we may share information publicly to show trends about the general use of Merchants services.
In the Event of a Transfer of Ownership or Assets or Bankruptcy
Personally identifiable information Merchants has collected may be passed on to a third party without your consent in the event of a transfer of ownership or assets or in the event Merchants or any affiliate is declared insolvent, has a receiver appointed, makes a general assignment for the benefit of creditors or has a similar regulatory action taken against it.
Cookies
Merchants uses cookies to record user-specific information on what pages users access or visit, and records past activity in order to provide better service when visitors return to Merchants websites.
Other Sites Which May be Linked to this Site
This site may contain links to other internet sites maintained by third parties for your convenience only. Please note that when you click on one of these links, you may enter another website for which Merchants has no responsibility. Merchants encourages you to read the privacy statements of all such sites as their policies may be materially different from this Privacy Policy.
Disclaimer; Limitation on Liability
Merchants cannot guarantee that all of your private communications and other personal information will never be disclosed in ways not otherwise described in this Privacy Policy. As a user of this site, you understand and agree that you assume all responsibility and risk for your use of the site, the internet generally and the documents you post or access and for your conduct on and off the site.
Copyrights; Protected Content
The contents of Merchants websites, including its “look and feel” ( e.g., text, graphics, images, logos, and button icons), editorial content, notices, software (including HTML or XML-based computer programs) and other material, are, to the fullest extent permissible, protected under both United States and foreign copyright, trademark, and other laws. These contents belong or are licensed to Merchants. Merchants hereby grants you the right to view and use Merchants websites subject to this Privacy Policy.
How to Contact Us
For any questions or comments regarding our information or security practices, you may contact Merchants by sending an email to: webmaster@merchantsgroup.com.
