Privacy Policy
This Privacy Policy (the “Privacy Policy”), the Terms and Conditions of Use (the “Terms and Conditions”), and, if you or your employer subscribe to any of the services, products or materials provided by First Coverage on this Site (defined below), the subscription agreement (the “Subscription Agreement”) you or your employer entered into as part of that subscription process, together govern your use of this website (the “Site”).ALL OF THE AFORE-MENTIONED GOVERN YOUR USE OF THE SITE EVEN IN THE EVENT YOU ARE ACTING AS AN EMPLOYEE, AGENT, REPRESENTATIVE OR CONTRACTOR ON BEHALF OF ANY OTHER ENTITY OR PERSON. BY USING THE SITE, YOU SIGNIFY YOUR ACCEPTANCE OF THIS PRIVACY POLICY AND OF OUR PROCESSING YOUR PERSONAL DATA IN ACCORDANCE WITH THE TERMS OF THIS PRIVACY POLICY. IF YOU DO NOT AGREE TO THIS PRIVACY POLICY, YOU SHOULD NOT USE THE SITE. YOUR CONTINUED USE OF THE SITE THROUGH ENTERING YOUR PASSWORD TO ACCESS THE SITE WILL MEAN THAT YOU AGREE WITH OUR PRIVACY POLICIES AND THAT YOU ACCEPT ANY CHANGES THERETO, WHETHER OR NOT YOU HAVE ACTUALLY REVIEWED EITHER THE POLICY OR ANY CHANGES THERETO.
This Privacy Policy explains how we collect your personal data on the Site, how we protect such data, and the choices you have concerning our use of such data. Please read this Privacy Policy carefully. For the purposes of this Privacy Policy, “First Coverage”, “we”, “us”, and “our” means First Coverage and its affiliates.
This Privacy Policy represents our current (as of the date first written above) data collection and usage practices. First Coverage will from time to time review and revise these practices. We will post any changes to this Privacy Policy here. Please refer back to this Privacy Policy on a regular basis. We refer you to the Terms and Conditions and, if you or your employer have entered into a Subscription Agreement with us, that Agreement, for additional language which obligates you and makes you liable regarding third party sites and materials. This Privacy Policy, together with the Terms and Conditions and, if applicable, the Subscription Agreement, constitute your agreement with and obligations to us regarding your access to and use of our online information services through the Site.
This Privacy Policy applies only to information collected by the Site. We are not responsible for the privacy of any information you reveal or post in any public forum (e.g., message board or chat room), that is available to the general public through no action or fault of First Coverage, or that First Coverage receives from any third party reasonably known to have a legal right to transmit such information and under no obligation to keep such information confidential; or for the privacy practices of websites that are operated or owned by third parties.
Collection of Personal Data
Personal data is information that identifies you or can be used to identify or contact you, e.g. your name, e-mail address, postal address, or phone number (“Personal Data”). First Coverage requests Personal Data from you when you register on the Site. The registration process requests that you provide your name, business e-mail address, business postal address, business phone number, and company affiliation, and agree to the Terms and Conditions and, should there be one, the Subscription Agreement, presented at the time of registration. In addition to information collected during registration, First Coverage may collect Personal Data knowingly provided by you in e-mails to the Site, online forms, order and registration forms, surveys, and contest entries. Providing this information is always at your option. If you provide such information you will be required to select a username and a password. To be useful, this information must be stored on the Site, and is accessible to any Site visitor who knows your username and password. For this reason, please safeguard your username and password carefully and do not disclose it to any other person.
In all of these cases, we will collect Personal Data from you only if you voluntarily submit such information to us. Unless you give us permission to do so, we will not sell, share, license, trade or rent your Personal Data other than as specified in this Privacy Policy.
You do not have to provide us with any Personal Data to visit the Site. However, if you choose to withhold requested information, you may not be able to visit all sections or use all features of the Site.
Collection of Monitoring Data and Use of Tracking Tools
In addition to Personal Data, First Coverage may collect and/or track information that by itself cannot be used to identify or contact you, e.g., demographic information, domain names, computer type, browser types, screen resolution, and other anonymous statistical data involving the use of the Site (“Monitoring Data”). We use Monitoring Data to help us understand who uses the Site and to improve and market it and First Coverage’s other web sites. Whenever we use Monitoring Data to create a user profile, we do so under a username.
To enhance the Internet experience on the Site, First Coverage may use various Internet technologies such as, without limitation, ‘cookies,’ ‘action tags,’ ‘web bug,’ ‘.gif tags,’ and ‘JavaScript’ (together, “Tracking Tools”). Tracking Tools are files or tools that are placed on your computer in order to identify your Web browser and the activities of your computer on the Site. First Coverage uses these technologies to customize and enhance the Internet experience of individual users. When you revisit the Site, First Coverage may recognize you by a Tracking Tool and customize your experience accordingly. For example, once you have completed the registration process, a cookie will be used to avoid having you register again. You may decline Internet cookies, if any, by using the appropriate feature of your Web browser software, if available. If cookies are disabled, however, all features of the Site may not operate as intended. Information about the procedure you are required to follow in order to disable cookies can be found on your Internet browser provider’s website.
We believe Tracking Tool technologies add value to the user experience, and the information resulting from these technologies is not sold or otherwise made available to third parties by First Coverage, other than as may from time to time be specified in this Privacy Policy.
Use of Data Collected
First Coverage may use Personal and Monitoring Data it collects for editorial and feedback purposes, marketing and promotion, statistical analysis of users’ behavior, product development, delivering products and services, providing customer support, customizing and improving the content and layout of the Site or other web sites of First Coverage, completing business transactions, administering individual accounts and meeting government regulatory requirements such as sales tax collection. Monitoring Data may be used for internal or external purposes such as researching and identifying market segments and needs. First Coverage will not disclose to third parties any of your Personal Data without your express permission, except to the extent necessary to comply with applicable laws, rules, or regulations, or to preserve First Coverage’s legal rights in the Site’s content, whether the same arises from contract or through force of law. First Coverage reserves the right to transfer such information to successors to the relevant portion of any of First Coverage’s businesses, or to independent contractors it engages to assist with or perform on First Coverage’s behalf any of the foregoing activities. In addition, First Coverage reserves the right to use Personal Data to contact you regarding your account status and changes to this Privacy Policy, the Terms and Conditions, Subscription Agreement (if applicable) or any other policies, agreements or transactions relevant to your use of the Site. First Coverage will take reasonable steps to maintain the integrity of the collected data so that it is reliable and appropriate for the foregoing uses.
Your Choices Regarding Personal Data Collection and Use
You may “opt-in” to having your Personal Data used by First Coverage to send promotional correspondence to you now by checking the appropriate box on the Registration Form, or at any time in the future by changing your User Profile, or by contacting First Coverage via postal mail, e-mail, or telephone at the address below. Except as described in the paragraph above, First Coverage will not share any Personal Data with a third party without giving you the opportunity to “opt-in” and to give or deny us permission to share such Data.
Upon request via postal mail, e-mail, or telephone, First Coverage will provide to you a summary of any Personal Data retained by First Coverage regarding you. You may modify, correct, change or update Personal Data that First Coverage has collected via the Site. You may refuse to have your Personal Data processed by First Coverage or you may request that your Personal Data be anonymised, blocked (so that First Coverage continues to hold your Personal Data but temporarily refrains from processing it) or removed from First Coverage’s database by contacting First Coverage via postal mail, e-mail, or the telephone number indicated below, provided, however, that such requests may require you to register again with First Coverage in the event you later wish to access the Site.
You should be aware that it may not be technologically possible to remove or verify each and every record of information you have provided to us from our system. The need to back-up our systems to protect information from inadvertent loss means that a copy of your Personal Data may exist in archived systems. However, promptly after receiving your request, all Personal Data stored in databases we actively use and other readily searchable media will be updated, corrected, changed, deleted or confirmed to you, as appropriate, as soon as reasonably practicable.
Links
The Site may contain links to other Internet websites (“Other Sites”). First Coverage does not endorse, and is not responsible for, the privacy practices or the content of these websites.
You should review the applicable privacy policies in connection with your use of such third party websites.
BY ACCESSING OTHER SITES, YOU MAY SIGNIFY YOUR ACCEPTANCE OF THOSE SITES’ PRIVACY POLICIES, WHETHER OR NOT YOU HAVE ACTUALLY REVIEWED THEM AND WHETHER OR NOT THEY DIFFER FROM THOSE OF FIRST COVERAGE. IF YOU DO NOT AGREE TO THOSE PRIVACY POLICIES, YOU SHOULD NOT ACCESS THE LINK OR THE OTHER SITE. WE WILL NOT BE LIABLE TO YOU SHOULD ANY OTHER SITE VIOLATE ANY UNDERSTANDING WITH YOU CONTAINED THEREIN OR IN THIS AGREEMENT. YOUR CONTINUED USE OF THE OTHER SITE WILL MEAN THAT YOU AGREE THAT YOU SHALL HOLD US HARMLESS IN THE EVENT SUCH OTHER SITE VIOLATES ANY UNDERSTANDING WITH YOU CONTAINED THEREIN OR IN THIS AGREEMENT.
Security Measures
First Coverage has established reasonable precautions to protect collected Personal Data from loss, misuse, unauthorized access, disclosure, alteration or destruction, which include contractual, administrative, physical, and technical steps. Technical measures include use of firewall protection and encryption technology where appropriate. Although First Coverage takes reasonable precautions to assess the reliability of such technology, it relies on the statements of the vendors of those products and services as part of its security evaluation. By using the Site, you acknowledge and consent to the fact that First Coverage shall have no liability for failures of such products and services and that you shall have RECOURSE SOLELY against the manufacturers or vendors thereof. Please note that while First Coverage has endeavoured to create a secure and reliable site for users, the confidentiality of any communication or material transmitted to/from First Coverage or the Site or via e-mail cannot be guaranteed.
Export of Personal Data
By using the Site, you acknowledge and consent to the fact that Personal Data provided by you or collected by us through your use of the Site is stored and processed by us in the United States where data protection laws may not afford the same level of protection as those of the country in which you are located (this is the case for users located in the European Economic Area (“EEA”)). You also acknowledge and consent to the fact that we may, at our discretion, store and process such data in other countries (including countries outside the EEA) where data protection laws or law enforcement systems, policies or professionals may not afford the same level of protection as those of the country in which you are located.
Contact Information for First Coverage
Questions or concerns regarding First Coverage’s data protection practices should be addressed to:
Office of the President
First Coverage
260 Franklin Street
Boston, MA 02110
Telephone: 617-303-0180
Facsimile: 617-443-9995
E-mail: privacy@firstcoverage.com
If you choose to contact First Coverage via e-mail about this policy, please mark the subject heading of your e-mail “Privacy Enquiry.”
We shall keep a copy of this Privacy Policy and if, at any time, you would like to see a copy of it, you should write to the address above.