EMC Internet Privacy Policy

This privacy policy was updated on April 9, 2024.

We Care About Your Security

EMC Insurance Companies (collectively, “EMC”, “we”, “us” or “our”) understands that privacy is an important issue for visitors to our websites at emcinsurance.com and countonemc.com. It is the policy of EMC to protect the personal information of our customers and to keep this information secure and confidential. The following explanation is provided to help our website visitors understand what information is gathered through our site and how that information is processed and shared once it is gathered.

EMC’s website consists of secure areas (Agent Access, Personal Policyholder Access, Commercial Policyholder Access, Legal Professionals Access, Independent Adjuster Access and All Retirees and EMCNL Employees Access) and public access areas. Secure areas require the correct login credentials before a visitor is permitted access. Public access areas, by comparison, are available to any visitor.

Policy Scope

This policy applies to personal information provided through emcinsurance.com, which may also be accessed by countonemc.com. It does not apply to the website for EMC National Life (emclifeinsurance.com) an affiliate of EMC, which is subject to a separate privacy policy.

This site contains links to third-party sites. EMC is not responsible for the security or privacy practices of those sites, the products or services offered by those sites, or the content appearing on those sites. EMC does not endorse any products or services marketed at these other sites.

Information Gathering and Use

Personal information that is provided to EMC via this website is gathered and maintained to provide users with the product or service requested, to service customer accounts, and provide insurance or insurance-related services. Personal information includes information that identifies, relates to, describes, or is reasonably capable of being associated or linked with or to a particular individual or household. Examples of such information may include, without limitation* :

• Name
• Phone number
• Address
• Credit report
• Other Consumer report information
• Mailing address
• Social Security no.
• Drivers license no.
• Email address
• Financial information
• Information relating to a protected class (e.g., race, color, religion, national origin)
• Employment and professional information
• Education information
• Biometric data
• Geolocation data

* These categories of personal information are intended as examples only. EMC does not expressly state or imply that it actually collects or maintains such information about any individual, and it is possible EMC may not collect or maintain any personal information.

Information can be provided to EMC via the website in a variety of ways including customer applications or other forms, customer transactions with EMC, consumer report agencies or insurance service providers, and prospective employees who apply for a position with EMC. The above listed personal information and ways of collecting this information are examples from this site and may not be all inclusive. EMC may preserve all information about you for as long as required or permitted by regulation or law.

The information provided will be used in the normal course of business to provide services to the user and enhance the user experience. Personal information may be shared with (1) our affiliated insurance companies, (2) EMC National Life Company and EMC National Life Marketing Services, LLC, and (3) select third parties as necessary to provide services to the user, or otherwise as required or permitted by law. These third parties may include but are not limited to:

• Independent agents or brokers
• Independent claims adjusters or investigators
• Other insurance companies or consumer reporting agencies involved in your application/policy/claim
• Lienholders or other parties with a legal interest in your policy
• Service providers
• Insurance support organizations for fraud protection
• Scientific research businesses that conduct studies such as actuarial or underwriting studies
• Authorized persons by court order or as required by law
• Medical providers
• Certificateholders or policyholders
• Law enforcement, regulators or other governmental authorities

EMC prohibits these third parties from using personal information collected through this website for any other activities and from further disclosing that information unless necessary to support the activities. EMC does not sell personal information or let its third parties do so. However, in the event of a merger, acquisition, asset sale or other transfer of company assets, reorganization, bankruptcy or similar event, personal information collected through this website may be transferred to or assigned to another entity, if permitted and done in accordance with applicable law, without your consent.

EMC does not collect personal information through its public access areas, except for the collection of contact information necessary to provide products or services to the requesting party. Some of the collected contact information is stored in a secured database and sometimes is used to generate reports that assist EMC in improving service. This contact information is provided to an agent to support requests for information regarding EMC products and services.

To help us improve the content and services of our website, EMC gathers anonymous general technical data from each site visit. This data allows us to determine how many people visit our website, when they visit, what pages they visit, how long they stay and the website from which they connected to our website. We may gather such information through cookies, tags and other technologies as described in the “Cookies and Other Technologies” section below. EMC does not associate cookies with any individuals. For visits to our secure areas, the visitor’s login credentials are also collected.

Compelled Disclosure of Personal Information

There may be times when we are required by law to disclose the information that has been submitted via this website. Unless we are legally prohibited from doing so, we will do our best to provide you with notice that a request for your information has been made to give you an opportunity to object to the disclosure. If you do not object or challenge the disclosure request, we may be legally required to turn over the information.

Information Confidentiality and Security

Access to EMC’s secure areas is restricted to authorized users: EMC’s agents, policyholders, legal professionals, independent adjusters, contractors, retirees, EMC employees and EMC National Life Company employees. These users are “authorized” after meeting certain identification criteria and are assigned login credentials for their secure-areas access. Personal information pertaining to applicants, policyholders, employees of commercial policyholders, beneficiaries and claimants is obtained from and displayed to our authorized users via secure communications through EMC’s secure areas. Authorized users are only permitted access to personal information that pertains to their applicable account(s).

To ensure secure communications over the Internet for all personal information, EMC uses Secure Socket Layer (SSL) encryption technology to protect transmitted information from being intercepted while it is in transit over the internet. Access to EMC’s secure areas requires proper authentication through authorized login credentials. Once confidential information is gathered and stored within EMC’s systems, it is protected by firewalls and other access control systems and processes to keep it secure from unauthorized access. EMC uses reasonable technical and administrative safeguards to protect personal information during transmission and within our organization. However, no transmission of information over the Internet or method of electronic storage can be guaranteed to be 100 percent secure.

Cookies and Other Technologies

EMC may use cookies and other similar technologies, such as pixel tags, web beacons, clear GIFs and Local Shared Objects (sometimes called "Flash cookies”), whenever you visit our site or mobile applications to automatically collect common information about your computer or device. We use these technologies to collect anonymous technical information, such as browser information, Internet Protocol (IP) address, operating system (OS), Internet Service Provider (ISP), session ID, page accessed, the time of visit, referring site, mobile device information and geographic location. EMC uses this information to improve the content, services and functionality of our website for the user. EMC does not use cookies or similar technologies to track use of third-party websites.

Cookies are small text files that a website loads onto a visitor’s hard drive or in temporary memory that enable the website to recognize the visitor’s browser, and capture common technical information, so the website can give the visitor additional functionality. Cookies are used for such functions as maintaining information between pages on the site, to securely maintain a session in password protected areas and for website analysis to improve the visitor’s experience. EMC does not associate cookies with any individuals or other personal information. For this analysis, we may utilize the following services:

Google Analytics

EMC may use a tool called Google Analytics to collect non-personally identifiable information about how visitors interact with the website. Google Analytics employs cookies to collect statistical data, such as standard Internet log information (e.g. IP address) and visitors’ browsing actions and patterns. Anonymous information is used to compile reports for system administration to improve website functionality.

Google Analytics uses only first-party cookies which means it will only use cookie data related to browsing behavior on a specific website for statistical analysis. Google Analytics reports website trends without identifying individual visitors. EMC does not combine the information collected through Google Analytics with personal information.

Google’s ability to use and share information collected by Google Analytics about your visits to this site is restricted by the Google Analytics Terms of Service and the Google Privacy Policy. You can prevent Google Analytics from recognizing you on return visits to this site by disabling cookies in the preferences settings in your web browser. If you reject cookies by changing your browser settings, be aware that this will disable some of the functionality on our website. You can opt out of Google Analytics collecting user information without affecting how you visit the EMC website. For more information on opting out of being tracked by Google Analytics across all websites that you use, visit the Google Analytics Opt-out Browser Add-on page.

 Microsoft Clarity

We use Microsoft Clarity to better understand our users’ needs and to optimize this service and experience. Microsoft Clarity is a technology service that helps us better understand our users’ experience (e.g. how much time they spend on which pages, which links they choose to click, what users do and don’t like, etc.) and this enables us to build and maintain our service with user feedback. Microsoft Clarity uses cookies and other technologies to collect data on our users’ behavior and their devices. This includes a device's IP address (processed during your session and stored in a de-identified form), device screen size, device type (unique device identifiers), browser information, geographic location (country only), and the preferred language used to display our website. Microsoft Clarity stores this information on our behalf in a pseudonymized user profile. Microsoft Clarity is prohibited from selling any of the data collected on our behalf.

For further details, please see the Clarity Overview’ section of Microsoft Clarity’s FAQ page.

Cision

EMC obtains contact details and other personal information about media contacts and influencers from various sources including Cision. If you wish to know more about how such information is collected and used, please refer to Cision’s privacy notice at www.cision.com/us/legal/privacy-policy.

Additional Technologies

EMC may use additional technologies which are similar to cookies, such as pixel tags, on its website and may permit our third-party service providers to use these technologies. A pixel tag, also known as a web beacon, clear GIF or pixel, is an invisible tag on a web page which generates a notice when you visit the page. Pixel tags usually work in conjunction with cookies, registering when a particular computer or device visits a specific page. If you turn off cookies, the pixel tag will only detect an anonymous website visit. These technologies, along with cookies, help EMC to improve our website functionality by tracking website usage.

This site may also use Local Shared Objects (sometimes called “Flash cookies”) which are data files that are created and stored outside of your browser on your computer or device. Adobe Flash Player allows Flash content embedded in web pages to create and read locally shared objects. Local Shared Objects are used to enhance your web-browsing experience. Local Shared Objects, by themselves, cannot access the data on your computer. Local Shared Objects will not be deleted when you clear cookies from your browser. Adobe Flash Player can help you manage or disable Local Shared Objects the same way you manage cookies in your browser.

You may accept or decline cookies. If you decline, please note that some of our features and services may not function properly. You may adjust cookie settings at any time.

Third-Party Disclaimer

This site has links to third-party sites which may also use cookies. This site may also include widgets or tools, such as the “Share this” button and links to third-party social media sites like LinkedIn, Facebook and X (formerly Twitter). Information from a third party may be embedded on this site, such as a map or information streaming from another site. These features may collect IP addresses, the pages visited on our site and may set a cookie to enable these features to function properly. Third parties, such as social media sites, may have access to web-browsing history on the pages where the widgets, tools or embedded information are placed on this site. EMC is not responsible for how cookies are used by these third-party sites or for how they collect, use, secure or disclose the information provided to them. The user should reference the privacy policies of these sites for their usage of cookies and usage of information. For the policies of social media sites and to control the data you share with them, the user should consult the documentation and privacy policies of those social media sites.

Geolocation

EMC may use the geolocation feature of a mobile device to tailor our mobile site functionality to your location, such as when using the Find an Agent service. You can prevent the usage of a geolocation by managing your geolocation settings and permissions in your device settings.

Do Not Track

Some browsers have embedded “Global Privacy Controls” (GPC) features which signal to EMC that the visitor doesn’t wish to be tracked. When this signal is received EMC accepts the information as declining optional cookies. We do not collect or track personal information about a user’s online activities over time and across third-party websites or online services for targeted advertising or any other purpose. We only use cookies and similar technologies to track non-personally identifiable technical data related to your browsing behavior on this site as stated in the Cookies and Other Technologies section of this policy.

Third-Party Behavioral Tracking

We do not give permission to third parties engaging in online behavioral tracking to collect personal information about users’ online activities from this site.

Internet Privacy Notice Changes

Sometimes, EMC may change this notice. Visitors should revisit this notice periodically to learn of any change in our Internet privacy policy. The date of the most recent update is at the top of this privacy policy.

Your continued use of this site after enhancements are made will be considered acceptance of those changes. We may terminate or suspend any function of this site. We may also impose limits on some functions or restrict access to any part of the site without notice or liability.

Your Personal Information

Personal lines policyholders and workers' compensation policies.

If you are an EMC personal lines policyholder or an individual associated with a workers' compensation policy issued by EMC, you may have certain rights with respect to accessing, deleting, and correcting your personal information.  Those rights, and the instructions for exercising those rights, are described in the following notices. Please note we will follow strict procedures to verify your identity before providing this information to further protect your privacy.

Personal Lines Privacy Notice (Revised January 2018)
Workers’ Compensation and Group Benefits Privacy Notice (Revised November 2024)

Additional State Privacy Rights

For California Residents

Select the following link to view the EMC notice regarding:

California Privacy Notice

For New Mexico Residents

Select the following link to view the EMC notice regarding:

New Mexico Domestic Abuse Insurance Protection Act

For New York Residents

Select the following link to view the EMC notice regarding:

Domestic Violence Notice Pursuant to New York Insurance Law Section 2612

Children’s Privacy

EMC does not direct products or services towards children under the age of 18. EMC does not intend to collect any information from children and requests no nonpublic, personally identifiable information be provided to us from children.

European Data Subjects

If you are a resident of the European Union and have a policy that is or was reinsured by EMC Reinsurance Company, you may have certain rights relating to your personal data. For that information, please see our GDPR Privacy Notice.

Email List Privacy (CAN-SPAM Act)

All subscriber lists for bulk emails, such as EMC’s online newsletter, are opt-in only. By voluntarily entering contact information, such as email address, phone number or physical address, on this site, you agree that EMC may communicate with you regarding the products and services we provide.

If at any time you would like to unsubscribe from receiving future emails, you can follow the unsubscribe instructions at the bottom of each email and we will promptly remove you from that bulk email list, or you can contact the privacy coordinator listed in the How to Contact Us section below regarding the removal of your personal contact information from our database.

How to Contact Us

If you have questions or concerns regarding this privacy notice, you may contact us by using one of the methods listed below. Remember to include, to the extent applicable, your name, address and the last four digits of your policy or claim number. If you are personal lines or workers' compensation policyholder or consumer, you may submit an online request form using the Policyholder Request Form below.