Effective Date: November 2, 2017
The Workers' Compensation Insurance Rating Bureau of California ("WCIRB," "we," "us," or "our") is committed to respecting your privacy. This privacy notice describes how we and some of the companies we work with collect, use, share, and protect information in connection with our websites, portals, mobile apps, and other online applications (collectively, the "Website"), and your choices and rights regarding the collection and use of your information.
This privacy notice applies to any WCIRB Website that displays or links to this privacy notice and to all members, agents, brokers, policyholders, workers, users, and other visitors who access the Website from the United States (collectively, "users"). This privacy notice does not apply to websites, portals, mobile apps, or other online applications that have their own privacy statement or otherwise do not display or link to this privacy notice. In addition, this privacy notice does not apply to information collected offline.
Some of the concepts below are a bit technical, but we tried our best to explain things in a straightforward and transparent way. If you have any questions or comments about this privacy notice, the ways in which we collect and use the information described below, or your choices and rights regarding such use, please do not hesitate to contact us:
Phone: 888.CA.WCIRB (888.229.2472) Email: [email protected]
Postal Address: Workers' Compensation Insurance Rating Bureau of California,
Attn: Customer Service Department, 1221 Broadway, Suite 900, Oakland, CA 94612
Our Website collects information that either directly identifies you or could reasonably be used in combination with other information to identify you ("personal information"). Examples of personal information include your name, postal address, email address, telephone number, billing and payment information, and any other information provided in combination with such identifiers. Personal information does not include information that has been made anonymous or aggregated so that it can no longer be used to identify a specific person, computer, or device, whether in combination with other information or otherwise.
Our Website may also collect certain technical data and other information that does not directly identify you (for example, by name or contact information), but which may be used to identify a specific computer or device that has accessed our Website, such as your computer's Internet protocol (IP) address or device's unique device identifier.
We collect this personal information when you provide it to us directly through the Website, automatically through your use of the Website, and from our partners and service providers and publically-available sources.
You may choose to give us certain personal information in order to use or interact with our Website. This can include your name, postal address, email address, telephone number, billing and payment information, date of birth, employer information and job title, and any other information provided in combination with such identifiers (such as annual income, education, survey responses, inquiry submissions, and Website enrollment information). For example:
Like most websites and other online services, our Website collects certain information that is created and recorded automatically when you use or interact with our Website. This information includes the following:
We may receive information about you and your activity on and off the Website from members, insurers, brokers, agents, legal representatives, administrators, service providers, and other third parties. For example:
Where permitted by law, we may combine the personal information you provide through the Website with information we collect through other WCIRB Websites, WCIRB's offline records, and information provided to us by third parties. Where permitted by law and feasible, we may also combine your personal information with information generated through your use of the Website (such as log data, transaction data, or cookie data), in which case we will treat any information that is combined or associated with your personal information as personal information for as long as it can reasonably be linked with your personal information.
We may use this consolidated information to improve our Website and product and service offerings, enhance our marketing and research activities, communicate information to you, and engage in any other legitimate business activities set forth under Use of Information below or otherwise described in this privacy notice.
We may use the information described above as necessary or useful to provide, support, personalize, and develop our Website, products, and services, including as follows:
Cookies and similar technologies used on our Website (including the information obtained through such use) fall into four categories:
|Essential||Our Website utilizes first- and third-party cookies and similar technologies that are necessary in order to operate our business and maintain our Website, including verifying and authenticating Website users; preventing fraud and securing our Website and databases; payment processing; enabling users to move around our Website and use its features; and complying with applicable laws and industry standards. These cookies and similar technologies don't gather information about you that could be used for marketing or tracking your browsing activity. This category of cookies generally cannot be disabled.|
|Performance||Our Website may utilize first- and third-party cookies and similar technologies to provide enhanced features and remember user preferences, including identifying return users when visiting our Website (for example, to remember your login credentials); keeping track of user preferences, interests, and past items viewed or utilized (for example, preferred language or past purchases); and providing social features that allow users to interact with social media services through our Website (for example, Facebook or Twitter, as further described below).|
|Analytics||Our Website may utilize first- and third-party cookies and similar technologies for analytics, product development, and market research purposes, including analyzing how users arrive at and engage with our Website; tracking and measuring the performance and effectiveness of our Website; optimizing the location of Website features and other content on our Website; statistical reporting in connection with Website activity; analyzing user preferences and behaviors and market characteristics and trends in order to develop and improve our products and services and Website; segmenting audiences to test features of our Website; and conducting research about our consumers, products, and online services.|
|Advertising||Our Website may utilize first- and third-party cookies and similar technologies to deliver, track, and measure ads both on and off our Website, including ads relevant to your interests (for example, ads based on your past interaction with our Website or based on predictions about your interests derived from your browsing activities on different websites over time); and ads based on your location, demographics, or device characteristics. Cookies are also used for tracking and measuring the reach and frequency of ads and regulating the delivery of such ads (for example, capping the number of times you see a particular ad).|
Most browsers are set to accept cookies by default. However, browsers typically allow individuals to remove or block browser cookies if they choose. For more information on blocking and removing browser cookies, please review your browser's Settings or Preferences tab. More information can be found here:
|Google Chrome||Internet Explorer||Mozilla Firefox||Safari (Desktop)|
|Opera||Opera Mobile||Android Browser||Safari (Mobile)|
For other browsers, please consult the documentation that your browser manufacturer provides.
In addition to removing and blocking browser cookies generally, the following opt-out mechanisms may be available if our Website utilizes the third-party cookies listed below:
The list above identifies some of the third-party cookies we may use on our Website. However, we may use other third-party cookies and similar technologies on our Website that are not listed here. This list is subject to change at any time and without notice.
DNT is a concept that has been promoted by regulatory agencies such as the U.S. Federal Trade Commission (FTC) for the Internet industry to develop and implement a mechanism for allowing Internet users to control the tracking of their online activities across websites by using browser settings. The World Wide Web Consortium (W3C) has been working with industry groups, Internet browsers, technology companies, and regulators to develop a DNT technology standard. While some progress has been made, it has been slow and no standard has been adopted to date. As such, WCIRB does not generally respond to "do not track" signals.
We may disclose your personal information to third parties who provide us with various business services, including monitoring and maintaining our Website, processing payments, preparing and delivering products and services, performing Website analytics, and preparing newsletters and mailings. We may also share your information with third parties as necessary to perform the services requested or utilized through the Website.
If all or part of WCIRB is merged into another entity, the information we have about you may be transferred to a third party as part of that transaction. The acquiring entity will be required to use the personal information that is transferred only in a manner that is consistent with this privacy notice and applicable law.
You can use generally visit our Website without revealing any personal information about yourself. However, to obtain our products and services, create an account with us, or enroll in a Website service, we will ask you to provide certain personal information (as described above). If you choose not to provide this information, you or your organization may be unable to obtain or use our products and services.
You may "opt-out" of receiving marketing communications from us at any time by emailing us at the address above. In addition, you may unsubscribe from promotional email communications from us by clicking on the "unsubscribe link" provided at the bottom of such communications (when such unsubscribe mechanism is required by law). However, you may not opt out of non-promotional product-, service-, or membership/account-related communications.
You have the right to receive information from us about the categories of personal information we maintain about you and the sources of such information. In addition, you have the right to request rectification of any personal information that is inaccurate or incomplete. However, for record keeping and compliance purposes, we may retain certain information collected from you, even if inaccurate or incomplete.
To exercise any of these rights, please send us an email at the address above. To protect your privacy, we will only respond to email messages sent from the email account you used to contact us initially or otherwise associated with your account/enrollment.
WCIRB implements, maintains, and enforces reasonable and appropriate administrative, organization, technical, and physical safeguards to protect the integrity, confidentiality, and availability of our Website, databases, personal information, and related assets. However, no method of transmission over the Internet, or method of electronic storage, is 100% secure. Therefore, we cannot guarantee the absolute security of your personal information.
WCIRB implements and maintains reasonable restrictions on the retention of personal information and generally disposes of such personal information once it is no longer necessary or useful for the purposes for which it was collected or further processed. However, we may continue to store archived copies of your personal information for legitimate business purposes and to comply with the law. In addition, we may continue to store anonymous or anonymized information for any legitimate business use described in this privacy notice.
Our Website is not intended for children. We do not knowingly collect any personal information from children under 13-years old. However, if the parent or the guardian of a child under 13 years old believes that the child has provided us with personal information, the parent or guardian of that child should contact us at the information provided above to request the information's deletion. Anyone under 13 years old should seek their parent's or guardian's permission prior to using the Website or disclosing any personal information to WCIRB.
WCIRB reserves the right to amend this privacy notice at our discretion and at any time. When changes are made to this privacy notice, the updated notice will be posted on the Website and will be effective as of the date posted. YOUR CONTINUED USE OF OUR WEBSITE FOLLOWING THE POSTING OF CHANGES WILL CONSTITUTE YOUR ACCEPTANCE OF SUCH CHANGES. Material revisions to this privacy notice will not be applied retroactively without your affirmative consent.