Privacy Policy

Last updated July 2017

MICA is committed to protecting the privacy and security of your personal information. "Personal information" is information that directly identifies, or might reasonably be used to identify a user of this Website. Examples of personal information include your name, address, phone number, and e-mail addresses. We have developed this Privacy Policy to help you understand how your personal information will be treated as you use MICA's Website and other services. We also recommend that you review the Terms of Use for this Website, which contains additional terms governing use of this Website and its contents. MICA partners or other third parties that have links on our Website may collect personal information about you. Please be aware that the information collected by these partners or other third parties is not covered under this Privacy Policy.

Your Consent

We reserve the right to change this Privacy Policy without providing you with advance notice of our intent to make the changes. If we modify our Privacy Policy, we will post the changes on this page and change the "Last Updated" date at the top of the page. Please check back periodically so that you remain aware of what we collect, how we use it, and under what circumstances we may disclose your personal information. By using MICA's Website, software, or services, you consent to the collection and the use of your personal information by MICA. If you do not consent to the collection and use pursuant to the policy below, please do not use these services.

How does MICA protect your information?

MICA is committed to protecting your privacy and security. MICA's intent is always to use and disclose your information only in a manner that is consistent with this Privacy Policy and with applicable laws, regulations, and contractual obligations. To safeguard your information, the electronic storage and transmission of personal information are secured with appropriate security technologies, such as encryption and authentication tools. Unfortunately, no data transmission can ever be 100% secure. As a result, you transmit your personal information at your own risk, and MICA cannot ensure or warrant the security of such personal information. If your communication is very sensitive, or contains highly confidential information, such as credit card or premium or loss information, you may want to send it by regular mail or delivery service, or verify that encryption is used. Once we receive your personal information we use our best efforts to maintain its security. We maintain technical and physical safeguards and restrict access to non-public personal information about you to employees, agents, or representatives who need to know the information to provide you with products, benefits, or services, and they are required to preserve the confidentiality of any personal information they receive.

What information do we collect?

MICA collects two types of information about you when you use this Website: (1) Personal information, including, but not limited to, name, phone numbers, and e-mail address and (2) non-personal, aggregate information, such as cookies with information regarding the pages on our Website that you have visited and your IP address.

As you use our Website or other services, we may ask for certain personal information. In addition, when you purchase or request products or services from MICA, we may collect information relevant to underwriting claims, and we may collect payment and billing information, including financial account numbers. Anytime MICA collects personal information, we will provide a link to this Privacy Policy.

What are cookies?

A cookie is a small data file that is sent to your browser from a webserver when you register or log-in. It is then stored on your hard drive. The improper use of cookies and other such technologies has generated some anxiety for internet users. Please be aware that MICA uses cookies to track your use of our Website as a way of customizing and personalizing your services. Cookies also help us to estimate the size of our audience and measure traffic patterns. This helps us to know which areas of the Website are of the most use and interest to users. If you would prefer, it may be possible for you to refuse the cookie by adjusting your browser settings.

How do we use the information we collect?

MICA uses the information we collect to provide our users with personalized and customized services, such as to underwrite policies, process claims, service and bill accounts, and to provide CME, policyholder information, and other services. We may use the information to estimate our audience size and measure Website traffic patterns. We may also use the information that we collect to notify you of important functionality changes to MICA, new services, and special offers that we think you will find valuable. If you would rather not receive such information, please contact us at help@mica-insurance.com.

With whom does MICA share information?

MICA will not disclose any of your personal information, except when we have your permission or in special circumstances, such as when we have a good faith belief that such disclosure is necessary to comply with legal requirements, to respond to claims that any files or data violate the rights of third-parties, or to protect the rights, property, or personal safety of MICA, its users, or the public.

In addition, if you choose to purchase insurance or other services through our Website using a credit card or debit card, then your credit or debit card information will be collected and processed by MICA and/or MICA's payment processing vendor. If you choose a recurring billing option to cover payment of future premiums, then your credit or debit card information will be stored until you cancel recurring billing. Although MICA takes steps to confirm that its third-party payment processing vendors have adequate privacy protections in place, MICA cannot guarantee the data privacy practices of any third party. By submitting your credit or debit card information via this Website, you consent to the collection, processing, and usage of credit or debit card information by MICA and any third-party vendors assisting with credit and debit card transactions. If you do not consent to this, please do not provide credit or debit card information via this Website.

Questions or additional information?

We welcome your questions and comments about privacy. Please send them via email to help@mica-insurance.com

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