Last Updated: July, 2021
At Nevada Mutual Insurance Company (“NMIC”), we secure and protect all information provided by our customers, partners, and visitors to the NMIC website. Your privacy and trust are important to us, and we honor that trust by managing your information with the utmost respect.
Below is NMIC’s Website Privacy Statement, which includes, without limitation, the home page and all other NMIC pages.
We want you, our visitors, to know we take your information’s security seriously and we use our best efforts to protect the files in our data system. We maintain physical, electronic, and procedural safeguards to protect your nonpublic personal information.
However, due to the open communicative nature of the Internet, we cannot guarantee communication between you and NMIC will not be accessed by unauthorized third parties, nor can we be responsible for information stolen from our servers or computer systems by information-harvesting software, which may have the ability to scrape data.
The following sets forth the principles and key elements of our commitment to privacy and data security practices.
Information We Collect
Information You Provide Directly to Us
We, and our service providers, may collect information you directly provide us, such as information included in, but not limited to: claim submissions, including injuries and treatment, names of witnesses, and whether a violation was issued; fraud reports, including names of those persons involved; applications for insurance policies; or online contact forms for comments, questions, or requests. The information you provide may include, but is not limited to: (a) contact information, such as your name, postal address, email address, telephone number, and fax number; (b) other identifying numbers, such as your Social Security Number, Federal Employer Identification Number, and Driver’s License Number; (c) claim and account information, such as account number, policy number, client ID, or access credentials; and (d) relevant information to an insurance policy or claim, such as information about employment, income and net worth, information about property or collateral insurance coverage, and medical information.
Information We Collect by Automated Means
When you use the website, we and our service providers may collect or retain information over time and across different websites by automated means, using technologies such as cookies and web server logs.
Cookies are files websites send to your computer, or other Internet-connected device, to uniquely identify your browser or to store information or settings in your browser. Please review your web browser’s "Help" file to learn how to modify your cookie settings. Without cookies, you may not be able to use all the features of our website. In conjunction with gathering information through cookies, our web servers may log information including but not limited to: your operating system type; domain; system settings; the language your system uses; the country and time zone in which your device is located; the address of the web page that referred you to the website; the IP address and actual location of the device you use to connect to the Internet; and information about your interactions with the website, such as the pages you visit.
We may combine information you provide, and information we automatically collect, with information from public or third-party sources.
Information We Collect from Other Entities
In the process of providing services to you, we may collect information about you from other entities, including but not limited to: information from insurance support organizations; government agencies; insurance information sharing bureaus; and consumer reporting organizations. The information we collect primarily relates to your creditworthiness and the veracity of claims you make with us. In addition, we may occasionally consult with an independent expert, such as a medical professional, when determining the value of the claim you have filed with us.
Information We Retain
We may retain information that can reasonably identify you for as long as your account is active or as we determine is needed for our reasonable business purposes, including to comply with our legal obligations, resolve disputes, and enforce our agreements.
Information We Disclose
NMIC will not share your non-public personal information with third parties, except as permitted by law, and as follows:
To service your insurance needs, by sharing your information with insurance companies and their agents, including our subsidiaries and/or affiliates. Your name, address, telephone number, policy number, and coverage may be shared with service providers to resolve claims.
To an insurance institution, agent, insurance-support organization, or self-insurer to detect or prevent criminal activity, fraud, material misrepresentation, or material nondisclosure, in connection with insurance transactions.
To a medical-care institution or professional for the purpose of verifying insurance coverage or benefits, conducting operations or services audits (provided such information is only disclosed as is reasonably necessary to accomplish the foregoing purposes).
To an insurance regulatory authority.
To an attorney or law firm for the purpose of facilitating a claim.
To law enforcement or other governmental authority, pursuant to law.
To groups for the purpose of conducting actuarial analysis.
To an affiliate or services provider in connection with an audit of the insurance institution or agent, or the marketing of an insurance product or service.
To a group policyholder for the purpose of reporting claims experience or conducting an audit of the insurance institution’s or agent’s operations or services (provided the information disclosed is reasonably necessary for the group policyholder to conduct the review or audit.
Information obtained via a report from an insurance-support organization (an organization regularly engaging, in whole or in part, in the business of assembling or collecting information about natural persons to provide information to an insurance institution or agent for insurance transactions) may be retained by the insurance-support organization and disclosed to other persons.
NMIC does not sell any consumer information to any third parties.
California Privacy Rights
If you are a resident of California, you have the right to request and receive information on any third parties to whom NMIC has disclosed personal information for marketing purposes within the previous calendar year, along with the type of personal information disclosed. NMIC shall not discriminate against you for exercising your rights under California law. If you would like to make such a request, please do so using the contact information below.
As a resident of California, you have the legal right to:
Inquire and verify:
If your personal information is in our possession and the type/categories of information we have about you.
With whom your information has been shared.
The business purpose for sharing your information.
The type/categories of information shared with third parties.
Copies of the specific personal information we have collected or stored.
A deletion of your personal information.
A restriction or to “opt-out” of having your personal information shared with a third party.
Nevada Privacy Rights
Nevada residents have the right to restrict us from selling certain personal information about you to third parties. Specifically, you have the right to restrict us from selling information about you that we have collected through our online services and is tied to or includes a personal identifier indicating your identity. Personal identifiers include your name, Social Security Number, email or physical address, telephone number, or other information that could be used to verify your identity or contact you.
NMIC does not sell any personal information to any third parties.
Privacy Rights Under State Insurance Regulations
If you are or were one of our policyholders, applicants, or claimants and a resident of Arizona, California, Connecticut, Georgia, Illinois, Maine, Massachusetts, Minnesota, Montana, New Jersey, Nevada, North Carolina, Ohio, Oregon, Virginia, or other states pursuant to applicable law, you have rights over your private information under state-level insurance laws and regulations. This includes the right to access a copy of your information, request the correction/amendment of your information, or delete your information. For security reasons, we may elect to provide you with certain medical information through your designated medical professional. We may also direct you to a consumer reporting agency to obtain certain types of information. Additionally, we may charge a reasonable fee to cover the costs of providing you with a copy of your information where it is permitted by law.
Links to Other Sites
We are not responsible for the availability of a link to this site on any other site. We do not take responsibility for the contents, advertising, products, privacy policies or other material made available through any other site, nor do we endorse other sites. Please direct any concerns with another site to the other site’s appropriate contacts.
Privacy Statement Changes
We reserve the right to change or amend our Privacy Statement to address privacy issues, information security, and to reflect changes to our website, business practices, or compliance with laws & regulations. Any new changes and/or amendments will be posted on this page. Each version of this Policy may be identified by its effective date, located at the top of the page.
Your Acceptance of this Policy
By using this website, you signify your acceptance of our Privacy Statement. If you do not agree with this Statement, please do not use our site.