Privacy Policy

Please note that the practices of Risk Insurance & Reinsurance, Inc., its affiliates, and agents ("RISK"), with respect to data collected and used by RISK in connection with this website and its affiliates with links to this policy (collectively, the "Site") and RISK products and services available or enabled via the Site ("Products and Services"), are governed by this online privacy policy ("Privacy Policy") as amended from time to time. To the extent that any terms of the Privacy Policy conflict with the terms of an existing written (including electronic) agreement between you and RISK regarding the use of specific areas of the Site or specific Products and Services (including Product- and Service-specific licenses, terms of use, or privacy disclosures) (collectively, "Product Agreements"), the terms of the Product Agreements shall govern.

Changes in Privacy Policy
 

All personal information ("personal information" is defined as any information that identifies or can be used to identify the person to whom such information pertains) that we collect and maintain will be subject to this Privacy Policy, as amended from time to time.
 

Entities collecting personal information
 

Personal information on this Site is collected on behalf of RISK which is responsible for this site. RISK's address is 1110 Brickell Avenue, Miami, FL 33131 USA, and its telephone number is 1-800-954-6182.
 

Collection of personal information
 

As a visitor to this Site, you can engage in many activities without providing any personal information. In connection with other activities, such as utilizing online or hosted Products and Services, RISK may ask you to provide certain information about yourself by filling out and submitting a form. RISK may ask that you provide personal information, such as your first and last name, mailing address (including ZIP code), country of residence, e-mail address, employer, job title and department, telephone and facsimile numbers, and other personal information. When ordering Products and Services via the Site, you may be asked to provide a credit card number. Depending upon the activity, some of the information that we ask you to provide is identified as mandatory and some as voluntary. If you do not provide the mandatory data with respect to a particular activity, you will not be able to engage in that activity.

When you use the Site and the Products and Services, RISK may also collect certain information about your computer to facilitate and evaluate your use of the Site and the Products and Services. For example, we may log environmental variables, such as browser type, operating system, CPU speed, referring or exit webpages, and the Internet Protocol (IP) address of your computer. RISK also uses such information to measure traffic patterns on the Site and usage of the Products and Services. We do not match such information with any other information held by RISK unless we have your consent. 

 

SMS Terms of Service

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SMS consent is not shared with third parties or affiliates for marketing purposes. Messaging frequency may vary. Message and data rates may apply. To opt out at any time, text STOP. For assistance, text HELP or visit our website at https://www.usriskinsure.com/. Visit https://www.usriskinsure.com/privacy for privacy policy and for Terms of Service.

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By opting into SMS from a web form or other medium, you are agreeing to receive SMS messages from Risk Management. This includes SMS messages for appointment scheduling, appointment reminders, post-visit instructions, lab notifications, and billing notifications. Message frequency varies. Message and data rates may apply. See privacy policy at https://www.usriskinsure.com/. Message HELP for help. Reply STOP to any message to opt out.

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How your personal information is used

 

RISK collects your information in order to record, support and facilitate your participation in and enhance your use of the Site. Additionally, personal information may be collected for use in preparing insurance sales proposals and illustrations and applications for insurance or other products. RISK may collect information about the use of the Products and Services and the Site, such as the number of downloads, types of Services used, how many users we receive daily, and the IP/Internet address of your computer. This information is collected in aggregate form, without identifying any user individually.

RISK may use this aggregate, nonidentifying statistical data for improving the Site and the Products and Services, providing more relevant experiences to our customers and for statistical analysis.

 

Your choices with respect to personal information
 

RISK recognizes and appreciates the importance of responsible use of information collected on the Site and in connection with the Products and Services. RISK will respect your legal rights regarding access to and correction and deletion of your personal information. Except in the particular circumstances described in this Privacy Policy, RISK will not provide your name to other companies or organizations without your consent.

There are other instances in which RISK may divulge your personal information, such as where required by law, regulation, or litigation. We may also disclose information about you if we determine that such disclosure should be made for reasons of national security, law enforcement, or other issues of public importance.
 

Protection of your personal information
 

RISK takes several steps to protect your personal information and to maintain the confidentiality of those who access the Site or use Products or Services. Access by you to your Products or Services is available through a password and unique customer ID selected by you. This password is encrypted. We recommend that you do not divulge your password to anyone. In addition, your information resides on secure servers that only selected RISK personnel and contractors have access to via password. RISK encrypts your personal information and thereby strives to prevent unauthorized parties from viewing such information when it is transmitted to RISK.

Please note that any information you post to a public bulletin board, blog or chat room, (the "Forums"), is available to all persons accessing that location, and your e-mail address may also be posted on these venues. The information you share, including your email address, would then be available to all persons accessing these venues, and such information may be read, collected or used by others for any purpose, including sending you unsolicited messages. RISK is not responsible for any information you elect to submit in these venues or the use of such information. In addition, you should be aware that the Forums offer a service in which subscribers are e-mailed a copy of all messages posted to the Forums on a particular topic. Consequently, if you post a message to the Forums, your e-mail address will be sent to those subscribers who have indicated an interest in the topic of your message.
 

Tracking, use of cookies, web beacons and similar devices
 

In order to improve our Products and Services and the Site and provide more convenient, relevant experiences to our customers, we and our vendors may use "cookies". A cookie is small amount of data that is transferred to your browser by a web server and can only be read by the server that gave it to you. It functions as your identification card and enables RISK to record your passwords, purchases, and preferences. It cannot be executed as code or deliver viruses.

Most browsers are initially set to accept cookies, and most Products and Services that include similar devices are typically initially activated to collect data. You can set your browser to notify you when you receive a cookie, giving you the chance to decide whether or not to accept it. (For some web pages that require an authorization, cookies are not optional.
 

Privacy complaints
 

RISK takes its users' privacy concerns seriously. If you believe that RISK has not complied with this Privacy Policy with respect to your personal information or if you wish to update or view your personal information or if you have questions about our Privacy Policy, you may write to the RISK Privacy Officer at the following address:

Risk Insurance & Reinsurance, Inc.
Privacy Officer/Customer Information
1110 Brickell Avenue
Miami, FL 33131