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In selecting EMSI as a vendor, its clients
express confidence in the reputation EMSI has built as the leading
provider of quality information services to the insurance
industry. In appreciation of that commitment, and to demonstrate
EMSI's clients' confidence is justified, EMSI has established the
following privacy policy. EMSI understands the privacy of
information entrusted to it by clients is vital, and EMSI is
committed to protecting that privacy.
Protecting Information
EMSI maintains security policies and practices in its
facilities and systems to protect appropriate information from
unauthorized access and inappropriate disclosure, alteration or
destruction. Security may include, but is not limited to,
encryption, physical access security and other appropriate
technologies. EMSI continually reviews and enhances security
systems as necessary. EMSI does not use cookies (information which
may be placed on the hard drive of a Web site visitor) on its Web
sites. Internet Protocol (IP) addresses are used only for
reporting demographic information and number of visits. IP
addresses are stored for a limited time and then purged. As EMSI
upgrades, enhances, modifies or maintains its systems, services
and procedures, modifications may be made to this policy.
Personnel failure to hold in confidence private information is
subject to disciplinary process. Personnel are required to execute
an acknowledgement of their receipt and understanding of EMSI's
policies and procedures containing confidentiality obligations
which they are subject to. EMSI does not provide private
information to the general public. EMSI does not compile or
distribute mailing lists or consumer marketing data from
information received from clients. EMSI does not modify or correct
information obtained from other persons or organizations, since
such information is not prepared by EMSI.
Obtaining and Sharing Information
EMSI respects the privacy of individuals while obtaining
information for legitimate businesses that can demonstrate an
appropriate need for the information. EMSI obtains information
ordered by its clients using sources identified by clients -
either the subject individual or a reputable source. EMSI obtains
and discloses such information pursuant to appropriate written
authorizations to gather information for, and disclose it to, its
clients for the purposes of their underwriting and servicing of
insurance policies, and for their other legitimate purposes
authorized by law. EMSI handles such information in accordance
with its clients' directions, the written authorizations, EMSI's
contracts with clients, and applicable law. EMSI does not share
information it obtained for a client with its other clients,
unless the subject's authorization permits such.
Kinds of Information
EMSI is authorized by clients to act on their behalfs to
obtain information on individuals regarding the following:
· Health history
· Medical information
· Family history
· Lifestyle character
· General reputation
· Habits, use of alcohol and other drugs
· Driving records
· Marital status
· Death records
· Civil and criminal court records
· Past and present employment and job duties
· Finances
· Other insurance coverage
· Participation in hazardous hobbies or activities.
Sources of such information may include various governmental
agencies, medical facilities, independent consumer reporting
agencies or other information exchange organizations or
individuals provided for personal and business references.
Opting Out
EMSI does not use the information it obtains on behalf of its
clients. Therefore, if a subject of information desires to opt out
of having the information used for any purpose, the subject should
address this option with EMSI's client when the subject provides
the authorization to release information to EMSI's client.
However, when EMSI makes a direct inquiry of the subject of the
information, there is an opportunity presented for the subject to
opt out of providing the information. In these instances, the
subject need only decline to provide the requested material. In
all other instances, EMSI only gathers and discloses the
information pursuant to the subject's written authorization
obtained by EMSI's clients.
Questions
Please address questions regarding EMSI's privacy policy to
EMSI's privacy officer at 1-800-999-3260 extension 4550.
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