Privacy Statement

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Privacy Statement

Munich Reinsurance America, Inc. takes the privacy of our customers and the security of their information very seriously.

We provide this Privacy and Security Statement ("Statement") because you have the right to know what information we collect, how it is protected and used, and the circumstances under which it may be disclosed. If you have further questions regarding this Statement, please contact us:

  • by e-mail to info@munichreamerica.com and include your name and telephone number or e-mail or postal address so that we can contact you; or
  • by phone at +1 609 243-4200; or
  • by letter to us at: Munich Reinsurance America, Inc., 555 College Road East, Princeton, NJ 08543-5241. Please include your name and mailing address or telephone number so that we can contact you.
     

To whom this statement applies
This Statement only applies to Munich Reinsurance America, Inc., American Alternative Insurance Corporation, and The Princeton Excess and Surplus Lines Insurance Company.

What information do we collect and for what purposes? When you access this website, certain information (e.g. your computer's IP address, date, time) is automatically stored in our server’s log files, backed up, and stored temporarily in accordance with our data recovery policies and for data security purposes (e.g. in order to identify and trace any persons gaining or attempting to gain unauthorized access to the web server). In addition to collecting the IP addresses of visitors to our Web page, we collect the e-mail addresses of those who communicate with us via e-mail, aggregate information on what pages consumers access or visit, visit-specific information on what pages visitors access or visit, information volunteered by the visitor, such as survey information and/or site registrations, name and address, telephone number, and fax number.

How we use your personal information
We use your personal information to respond to and fulfill your requests for Munich Reinsurance America Inc.'s products and services and to market our products and services, including:

  • to correspond with you regarding a document or information you have specifically requested
  • to send you our e-mail newsletter(s)
  • to improve our website and customer service

We treat with strictest confidence any personal details sent when you access our public website. If you send us an e-mail or complete and submit the online forms on our website, your personal data (including your name and e-mail address) will be used only for our correspondence with you in order to send you the requested documents or information, or for any other purpose stipulated on the individual form.

The information we share and who we share it with
Munich Reinsurance America, Inc. does not rent or sell its e-mail address lists. We may share segments of your personal information with our affiliated entities as necessary to complete a transaction that you specifically request. For example, if you request a report or publication, or if you complete and submit a feedback form as a result of your business dealings with us, we may share information about those transactions with your account manager or with our affiliates. We do this in hopes that we can continually improve our service to you.

In some instances, we share your company name (but not your name or personal contact information) with agents or contractors who assist in providing support for our internal operations.

The information we collect may be disclosed when legally required to do so, at the request of governmental authorities or regulatory agencies conducting an investigation, to verify or enforce compliance with the policies governing our website and applicable laws, or to protect against misuse or unauthorized use of our website and shared with associates in response to specific inquiries.

How you can control e-mail communications you receive from us
You have the opportunity to choose to receive e-mail communications such as our newsletters and/or notices when certain content, such as publications and reports, are added to our website. If you choose to receive such communications, you have the opportunity to un-subscribe to those communications at any time. To un-subscribe, simply click the unsubscribe link in any of the e-mail communications you receive. Or, contact us directly by telephone, mail or e-mail at the addresses listed on this page.

Other types of information we gather, how it is used and our use of gifs and cookies
We use technology to collect anonymous, non-personal information that indicates how our site is used by visitors. We use this information to improve our site, for example by enhancing pages or features that are visited frequently, and on occasion we may share this information with our affiliates or other third party companies to help us plan for technical improvements to our website. This information will not identify you or any other user of our website as an individual.

We use clear gifs in our HTML-based e-mails to let us know which e-mails the recipients have opened. We may also use session cookies on our website. Session cookies are used to differentiate one user from another and to pass information from page to page during a single user's website session. These session cookies are not used to collect any personal information about you and are automatically deleted as soon as you leave our website or the dialog is ended. When using our internet services, you can decide whether you wish to accept or decline these cookies by modifying the settings in your browser.

How we strive to protect personal information
Munich Reinsurance America, Inc. has implemented a variety of encryption and security technologies and procedures to protect information stored in our computer systems from unauthorized access. We also maintain procedural safeguards that restrict access to your personal information to employees (or people working on our behalf and under confidentiality agreements) who need to know your personal information in order to provide the products and services that you request.

Links to other sites
We provide links to affiliated and non-affiliated entities and on occasion to other sites we think you may find useful. These sites operate independently of Munich Reinsurance America, Inc. and have established their own privacy and security policies. For the best online experience, we encourage you to review these policies before submitting any personal information through these sites.

Consent to transfer
This website is operated in the United States. Please be aware that any information you provide to us will be transferred to the United States. By using this website and/or providing us with your personal information through this website, you consent to this transfer.

Updates to this statement
We will update this privacy statement from time to time to reflect changes in our business. If we change how we use your personal information or the purposes or entities for and to which we disclose your personal information we will post the policy change in this privacy statement on our website.

Our current Statement was last updated 7 November 2011.


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