Jewelers Mutual's Privacy Policy

Jewelers Mutual respects the privacy of our customers and those who visit our Web site. If you are merely perusing our site to become familiar with Jewelers Mutual and its products, you may access all of the public areas of our Web site anonymously, without registering or providing personal information.

Information Collection and Use

Jewelers Mutual collects information from our Web site users; potential customers we met online, at trade shows, or through a referral; policyholders; and other customers.
Depending upon the relationship you choose to have with us, we will collect an appropriate level of information about you. We attempt to ask you to share only the information that we need to address and serve your insurance needs.

Our privacy policy explains what we collect, how we use it, and whether and when we might share it with others. The information we may gather and collect falls into three basic categories: contact, personal, and financial. Jewelers Mutual recognizes the importance of protecting the privacy of all information provided by users of our Web sites. This statement will inform you about how we use it, when we might disclose it to others, and to whom we might disclose either with or without your permission.

Through our web hosting service, we collect general statistical information to determine how our site is being used. This information includes the number of visitors to our site, time and day of access, length of visits, host, or server provider. We use this information exclusively for internal purposes.

We restrict access to certain pages of the Web site, which are provided for the sole purpose of a specific user group. These password-protected pages, such as our JM University online courses, require authorization.

Registration

When visiting our booth at trade shows and other in-person events, participating in our customer-sponsored webcasts, or using our Web site, users are often required to register. During registration, users are required to give their contact information (such as name, e-mail address, mailing address, and phone number). For internal purposes, we use this information to communicate with users and provide requested services. We also may collect demographic information (such as gender and age). We use aggregate demographic information about our audience to improve our service, as well as for marketing and/or industry reporting purposes.

Communications with Us

We have features where our customers can submit information to us (such as our feedback forms and contact us Web page). Where such submissions include requests for service, support, or information, we may forward them to our agents, as needed, to best respond to the specific request. In addition, we may retain e-mails and other information sent to us for our internal administrative purposes, and to help us to serve customers better.

When you choose to send personal and financial information to us, for example, while applying for a policy, requesting a quote or reporting a claim, we use that information for the sole purpose of providing insurance and insurance-related services, and to respond to your specific request. Only those who need this information to serve your needs or maintain and improve customer service have access to this information. If you enroll or participate in our JM University online courses as a jewelry industry employee or professional, you expressly authorize us to share information with your employer and others regarding your progress and participation in these training programs.

Should you choose to apply for insurance coverage, however, or report a claim on an existing policy, naturally we must ask for more sensitive information, including social security numbers, financial details, and similar data.

Communications from Us: Service Updates, Special Offers

In order to best serve our customers, we may send updates that contain important information about our products and services. For example, we send new members a welcoming message, and verify password and username for our password-protected Web site. We may also communicate with a customer to provide requested services and for account-related issues via e-mail, phone, or regular mail. In addition to such service and product-essential messages, we offer our customers the option to receive information about our company, related products, services, and special deals. Users, however, can choose not to receive these communications from us, as set forth in the "Permission" section below.

Automatic Data Collection

Our Web site may collect information from customers, to deliver content specific to customers' interests and to honor their preferences. This information assists us in creating products and services that will serve the needs of our customers.

For our internal purposes, we gather date, time, browser type, navigation history, and IP address of all visitors to our Web site. We use this information for our internal security audit log, trend analysis and system administration, and to gather broad demographic information about our user base for aggregate use.

Payment Transactions

For our services that require payment, we also collect credit card information (such as account name, number, and expiration date), which is used for our billing purposes only, and is not shared outside the company and its agents. If you choose to pay with traditional check, we may scan it or retain a copy for our records. If you elect to authorize an electronic draft against your checking account or similar electronic funds transfers, we must work with your financial institution; but all such sensitive financial information is only available to key employees of the company.

With Whom Your Information Is Shared

Your contact information is treated as confidential and is available only to employees and agents who are working on your account. We do not share personally identifiable information with other companies, apart from those acting as our agents and brokers in providing our product(s)/service(s), and which agree to use it only for that purpose and to keep the information secure and confidential.

We do not sell your personal or customer information to third parties. There are limited circumstances when we do share your personal or financial information to others except for our agents and brokers, when that is necessary to conduct business or as permitted or required by law. Examples include processing a claim, cooperating with law enforcement, or alerting authorities to suspicious activities. We may share such information about you if you first provide your written consent or authorization; but when we are required or instructed to share information about you with law enforcement officials, we will not ask your permission first.

Correction/Updating Personal Information

If your personally identifiable information changes, we provide ways to correct or update your personal data: please feel free to contact a Customer Service Representative to change your preferences.

Security

We use standard insurance industry precautions to protect our customers' personal information and to store it securely. Sensitive information that is transmitted to us online (such as a credit card number) is encrypted and is transmitted to us securely. In addition, access to all of our customer information, not just the sensitive information mentioned above, is restricted. Only employees who need the information to perform a specific job (for example, a billing clerk or a customer service representative) are granted access to personally identifiable information. Finally, the computer servers on which we store personally identifiable information are kept in a secure environment.

Links

Our Web sites contain links to other sites. Jewelers Mutual is not responsible for the privacy practices or content of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of each web site to which we may link that may collect personally identifiable information.

You have a right to review the information in our files regarding you. Contact us at the address below to inquire about such data, how to view it, or learn how it was used or shared. If you believe any information in our possession is incorrect, by all means let us know promptly, so we can consider appropriate revisions, deletions, and updates.

Internet Communications

The privacy of communications over the Internet cannot be guaranteed because the Internet is not a secure medium. Jewelers Mutual does not assume any responsibility for losses or damages you may experience or incur by sending personal information over the Internet.

Disclaimer

While we strive to provide accurate, useful and current information, insurance products, procedures, premiums, regulations and industry conditions change. Our goal is to offer you a convenient and user-friendly web site, with excellent features, and reliable, easy access; but even the best website requires maintenance from time to time, and website information and content are no substitute for personalized professional advice, tailored to your business and personal needs. Jewelers Mutual does not warrant or guarantee the content or information provided on this web site. Jewelers Mutual will not be liable for any losses, damages, injuries, or inconvenience you might experience after using or relying upon the information posted on this web site. If you are unable or willing to accept these terms and conditions, then we ask you to discontinue web site visits. We shall rely upon your use of this web site as your agreement to be bound by these terms and limitations.

Changes to our Privacy Policy

We reserve the right, at our discretion, to change this policy. If we change our privacy policy, we will post those changes on this page so that you are aware of what information we collect and how we use it.

Contact Information for records, reviews, and privacy policy questions or comments: