Privacy Policy

Privacy Policy:  Marsh & McLennan Agency LLC (Northeast)

Last Updated:  January, 2017

Marsh & McLennan Agency LLC (Northeast) is committed to protecting the privacy of Internet users who visit our website, located at (the “Site).  This privacy policy is intended to inform you of the ways in which this Site collects information, the uses to which that information will be put, and the ways in which we will protect any personal information you choose to provide.  The information gathered by Marsh & McLennan Agency LLC (Northeast) from this site falls into two categories:  (1) information voluntarily supplied by visitors to our Site and (2) tracking information gathered as visitors navigate through our Site.

Information Voluntarily Provided by You 
When using this Site, you may choose to provide us with information to help us serve your needs.  For example, you may provide us your e-mail address to request information, or you may send us your mailing address so we may send you the material you have requested.  Any Personal Information you send us will be used only for the purpose indicated on the Site or in this policy.

If you supply us with your telephone number, you may receive telephone contact from us in response to your request.

Our Site uses cookies to monitor use of this Site by visitors.  The Site may use cookies for two purposes: to carry data about your current session at the Site from one web page to the next; and to identify you to the Site.  The only personal information a cookie can contain is information you supply.  A cookie cannot read data off your hard drive.

Some pages of our Site may not function properly if the cookies are turned off.  Cookies are placed on your computer, and accordingly we neither store cookies on our computers nor forward them to any external parties.

The information that may be maintained by a cookie may include:  a registered user’s username, the pages visited on the Site; the data and time of the visit; the internet address (URL or IP address) of the referring site; the domain name and IP address from which the access occurred; the version of browser used; the capabilities of the browser; and the search terms used on our search engines.  This information is used by Marsh & McLennan Agency LLC (Northeast) solely to help us manage the Site, improve features of the Site and understand usage patterns.

In the course of ensuring network security and consistent service for all users, Marsh & McLennan Agency LLC (Northeast) employs software programs to do such things as monitor network traffic, identify unauthorized access to nonpublic information, and detect computer viruses and other software that might damage Marsh & McLennan Agency LLC (Northeast) computers or the network, and monitor and tune the performance of the network.  In the course of such monitoring, these programs may detect such information as e-mail headers, addresses from network packets, and other information.  Information from these activities is used only for the purpose of maintaining the security and performance of Marsh & McLennan Agency LLC (Northeast) network and computer systems.

Use of Client Data
Personal Information.
Marsh & McLennan Agency LLC does not sell or trade its clients’ personal information to third parties.

Data Analytics. Marsh & McLennan Agency LLC (MMA) may include, on an anonymous basis, information relating to its clients’ insurance programs in benchmarking, modeling and other analytics. MMA offers an array of analytics capabilities to clients, insurers and others. For clients, these offerings include benchmarking databases, analytics and modeling tools, surveys and other compilations of information, which are designed to help clients more effectively assess their risks, make more informed decisions and construct insurance programs and other risk mitigation strategies.

Agents and Service Providers.  We sometimes contract with other companies and individuals to perform functions or services on our behalf, such as hosting this Site, sending e-mail messages and making phone calls on our behalf.  They may have access to personal information, such as addresses, needed to perform their functions, but are contractually restricted from using it for purposes other than providing services for Marsh & McLennan Agency LLC (Northeast).

Business Transfers.  As we continue to develop our business, we might sell or buy assets.  In such transactions, user information generally is one of the transferred business assets.  Also, if either Marsh & McLennan Agency LLC (Northeast) itself or substantially all of Marsh & McLennan Companies assets were acquired, your personal information may be one of the transferred assets.

Legal Matters.  Marsh & McLennan Agency LLC (Northeast) may preserve and has the right to disclose any information about you or your use of this Site without your prior permission if Marsh & McLennan Agency LLC (Northeast) has a good faith belief that such action is necessary to: (1) protects and defend the rights, property or safety of Marsh & McLennan Agency LLC (Northeast) or its affiliates, other users of this Site, or the public; (2) enforce the terms and conditions that apply to use of this Site; or (3) respond to claims that any content violates the rights of third-parties.  We may also disclose information as we deem necessary to satisfy any applicable law, regulation, legal process or governmental request.

External Links 
Marsh & McLennan Agency LLC (Northeast) may include links to other websites.  We do not control the privacy policies of those sites.  Once you leave our servers, use of any information you provide is governed by the privacy policy of the operator of the website you are visiting.  That policy may differ from ours.

Information Storage and Security 
This Site and all information that you submit through this Site is collected, stored, and processed in the United States.  All information gathered on our Site is stored within the Marsh & McLennan Agency LLC (Northeast) controlled database.  However, as effective as our security measures are, no security system is impenetrable.  We cannot guarantee the security of our database, nor can we guarantee that information you supply will not be intercepted while being transmitted to us over the Internet.

Marsh & McLennan Agency LLC (Northeast) Is Not Interested in Minors 
MMA does not knowingly collect personally identifiable information from those under the age of 18. In an instance where such information was collected it would be purely accidental and unintentional.

Policy Updates 
This privacy policy was last updated in January 2017.  We may update this privacy policy from time to time.  When we do so, changes in our privacy policy will be effective immediately.  If you are a regular visitor to this Site, we recommend that you check this privacy policy on a regular basis.

Contact Information
Questions regarding this policy should be directed to Marsh & McLennan Agency LLC (Northeast) at:
Mr. William A. Cilente, II
Marsh & McLennan Agency
Park 80 West, Plaza Two, 250 Pehle Avenue, Suite 400, Saddle Brook, NJ 07663
+1 800 642 0106