Mercer believes strongly in protecting the privacy of Internet users who visit this website ("site"). This Privacy Notice is intended to inform you of the ways in which this site collects personal information, the utilization of this information, and the ways in which we protect it. Generally, personal information is information that can identify you or your activities on the site or through services offered on the site.
This Privacy Notice applies solely to data collected via the site; there may be additional personal (and other) information we have or collect about you pursuant to other relationships.
Please take a moment to familiarize yourself with our privacy practices. Let us know if you have any questions by using the "Contact Us" feature of this Website. You may also contact the following for assistance with any question you may have: firstname.lastname@example.org.
Generally, we may collect the following information about you and, if required for the services provided, about your dependents or beneficiaries:
We collect information from you; your representative; your employer, association sponsor, or benefit program sponsor; and third parties that have roles in delivering services to you, your employer, association sponsor, or benefit program sponsor. These include insurance companies, plan administrators and vendors, brokers or agents, credit agencies, and financial institutions. You might provide this information when you visit this site; apply for insurance coverage; enroll in a benefits program; communicate with us through email, chat, and instant messenger; when you speak to a representative in our call center; or when you send mail/faxes to our office. In addition, your employer, association sponsor, or benefit program sponsor or someone acting on their behalf may provide us with information about you.
If you supply us with personal information about other people, you represent that you have the authority to provide this information on their behalf. In these instances, you further represent that the individuals to whom this information relates have been informed of and understand the reason(s) for obtaining the information, the manner in which this information will be used and disclosed, and have consented to such use and disclosure.
You can refuse to accept cookies and delete them by adjusting your browser settings. Please note that refusing or deleting cookies may impair your browsing experience on the site, or prevent you from using some of its services, and it may also delete any preferences you have set. For more information about how to reject or delete cookies, consult with your browser's or device's help documentation, or visit www.aboutcookies.org. We do not use technology that recognizes Do-Not-Track signals from your browser. You can opt out of Internet-based advertising by installing a browser plugin from a third party, where available. For more information about Internet-based advertising, please see: www.networkadvertising.org/managing/opt_out.asp.
In addition, in the course of ensuring network security and consistent service for all users, software programs may be employed to monitor network traffic, identify unauthorized access or access to nonpublic information, detect computer viruses and other software that might damage our computers or the network, and monitor and fine-tune our network's performance. These programs may detect additional information from your computer such as your IP address, addresses from network packets, and other technical information. Such information is used only to maintain the security and performance of our networks and computer systems.
We use your personal information to:
We share your information to assist with managing and running this site, administer your benefits, or provide other products or services as requested by you, your employer, association sponsor, or benefit program sponsor. We may share this information with:
Third parties to whom we disclose information are required by law and/or contractual requirements to keep your personal information confidential and secure. These parties may not use or disclose it except as reasonably necessary to provide services on our behalf, on behalf of your employer, association sponsor, or other benefit program sponsor, or to comply with or as permitted by applicable law.
We do not rent, sell, or otherwise disclose your information to unaffiliated third parties for their own marketing, unless so authorized by your employer, association sponsor, or benefit program sponsor.
This site and all information submitted by or on behalf of you through this site may be collected, stored, and processed in countries other than the one in which you reside, including, but not limited to, the United States.
We restrict access to your personal information to only those employees of ours, our affiliates, and third- party service providers who reasonably need it to provide products and/or services. We have implemented physical, administrative, and technical safeguards to protect your personal information from unauthorized access. However, as effective as our security measures are, no security system is impenetrable. We cannot guarantee the security of these systems, nor can we guarantee that information supplied by you or on your behalf cannot be intercepted while being transmitted over the Internet.
Keeping your information accurate and up-to-date is very important. Inaccurate or incomplete information could impair our ability to deliver relevant services to you. Please let us know about any necessary changes to your personal information by using the "Contact Us" feature of this Site.
By using this site, you represent that you will likewise take measures to protect this information, including the maintenance of any username and password in a confidential manner, and restricting system access to those who may need such access on your behalf.
In the event we sell some or all of our assets, it is possible your personal information could be one of the assets transferred to the purchaser. We may disclose and/or transfer your personal information to a third-party purchaser in these circumstances.
This site is not intended for children, and we do not knowingly collect, use, or disclose information of children under the age of thirteen (13) without the consent of their parents or legal guardians. In an instance where such information was collected, it would be purely accidental and unintentional.
Click here for our California Resident Privacy Notice.
This Privacy Notice and any document to which it refers are subject to change at any time. If we make material updates to this Privacy Notice, we will update the date it was last changed. Any changes we make to this Privacy Notice will become effective immediately when we post the revised Privacy Notice on this site. We recommend that you review this Privacy Notice regularly for changes.
If you have any questions, requests, concerns, or complaints about this Privacy Notice, or our privacy practices in general, please contact us using the "Contact Us" feature of this site.
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