This Privacy Policy outlines the practices of Mployer Advisor, Inc. ("Mployer," "we," "us," or "our") concerning the collection, use, and disclosure of personal information in connection with its website and all related services, features, content, and applications (collectively, the "Services"). This policy is designed to inform users about the types of information gathered, the purposes for its use, and the circumstances under which it may be shared.
This Privacy Policy constitutes an integral part of the entire agreement between the user and Mployer Advisor, Inc., alongside the Terms of Service. By accessing or utilizing the Services, users affirm that they have reviewed and comprehended both this Privacy Policy and the Terms of Service. Mployer operates as an online directory service, offering comprehensive information on businesses, their employee benefit plans, retirement plans, commercial lines, insurance brokers and advisors, and carriers. The platform leverages both public and private data to generate ratings, profiles, and various other insights, aiming to enhance transparency within the employee benefits and insurance sectors.
Mployer collects information to provide, maintain, and improve its Services, distinguishing between data directly provided by users, data collected automatically, and data obtained from third-party sources.
When users engage with the Services, certain personal information is directly submitted. This includes data provided during account registration or when claiming and managing a company or professional profile. Such information may encompass names, contact details (including email address, phone number, and physical address), company affiliation, and credentials essential for identity verification. Access to features like claiming and managing profiles is part of Mployer's paid services, necessitating a review and approval process that includes verifying the user's identity and their authority to act as an authorized agent for the respective company or professional. This identity verification process involves the collection of specific data to authenticate the user and their representative capacity, underscoring the importance of accurate and complete information provided by the user. Additionally, information is collected when users communicate with Mployer for support, inquiries, or feedback. Any content, including text, images, data, or video, uploaded, posted, or shared via the Services, referred to as "User-Generated Content" (UGC), is also collected. This explicitly includes information provided when claiming or updating company or professional profiles.
As users interact with the Services, Mployer automatically collects certain data. This includes usage data such as IP addresses, browser types, operating systems, referring URLs, pages viewed, time spent on pages, and click stream data. This information is gathered to analyze service usage patterns and enhance the overall user experience. Device information, including device type, unique device identifiers, and mobile network information, may also be collected. Further more, Mployer utilizes cookies, web beacons, and similar tracking technologies to collect data about browsing activities and preferences, serving purposes such as analytics, personalization, and ensuring the proper functionality of the Services.
Mployer's core function as a directory service relies on the aggregation of information from various public and private data sources. This external data is critical for building and maintaining the comprehensive directory, generating ratings, profiles, and insights related to businesses, employee benefit plans, retirement plans, commercial lines, insurance brokers, advisors, and carriers. The proprietary algorithms employed by Mployer process these diverse data sources to produce ratings and other insights. This process involves not only collecting existing data but also deriving new information, such as subjective ratings, from the aggregated data sets. This data aggregation from external sources forms a fundamental aspect of the Services, contributing significantly to the overall directory and analytics provided.
The information collected by Mployer, including personal information, is utilized for various purposes essential to the operation and improvement of its Services.
Information is used to operate, maintain, and enhance the directory services, which includes managing user accounts, processing profile claims and updates, and publicly displaying company and professional profiles.
Data helps Mployer tailor content and features within the Services based on user preferences and usage patterns, aiming to optimize the individual user experience.
Mployer employs proprietary algorithms to analyze collected data, encompassing public, private, and user-provided information, to generate ratings, profiles, and other insights pertinent to employee benefit plans, insurance, and related industries. This process is central to the value Mployer provides.
Information is used to send transactional messages, service announcements, security alerts, and administrative communications, as well as to respond to user inquiries and feedback.
Mployer utilizes collected data for analytical purposes, enabling an understanding of user behavior, trend analysis, monitoring the effectiveness of the Services, and improving overall functionality and performance.
User-Generated Content (UGC) may be leveraged for advertising, promotional, marketing, publicity, trade, or commercial purposes, consistent with the broad license granted to Mployer in the Terms of Service. This use applies to the content of UGC generally. While the content itself may be used for commercial purposes, any personal identifiers within that UGC (e.g., an individual's direct contact details not explicitly provided for public listing) are handled in accordance with the specific privacy principle so outlined in this policy regarding their collection, use, sharing, and security.
Information is used to safeguard the integrity and security of the Services, detect and prevent fraudulent or unauthorized activities, and enforce Mployer's Terms of Service.
Mployer may use and disclose information to comply with legal or regulatory requirements, respond to lawful requests from public authorities (such as subpoenas or court orders), and enforce its legal rights or protect its property.
Mployer may share information under specific circumstances, balancing service provision with user privacy.
Information may be shared with third-party vendors, consultants, and other service providers who perform services on Mployer's behalf. These services include, but are not limited to, hosting, data analytics, customer support, and payment processing. Such service providers are authorized to use personal information solely as necessary to deliver these services to Mployer.
Information submitted by users for company or professional profiles, including User-Generated Content (UGC), is intended for public display as an integral part of the directory services. This encompasses company details, benefit plan information, ratings, and other insights designed for public access and broad dissemination through the platform. This public sharing is a core function of the Services. In contrast, sensitive account-level personal information, such as passwords or identity verification documents used solely for backend authentication, is treated with higher confidentiality and is not publicly shared.
Information may be disclosed or transferred in connection with, or during negotiations of, any merger, sale of company assets, financing, or acquisition of all or a portion of Mployer's business by another entity.
Information may be disclosed if required by law or in the good faith belief that such action is necessary to comply with legal obligations (e.g., subpoenas, court orders, government requests), protect Mployer's rights or property, prevent fraud, or ensure the safety of users or the public.
Information may be shared with third parties when Mployer has obtained explicit consent from the user to do so.
At times, we share the IP addresses of Mployer users to support marketing and other third-party marketing activities.
This section outlines the terms governing User-Generated Content (UGC) on Mployer's platform.
Users retain ownership of any content, including words, pictures, images, data, video, information, or other materials, that they upload, post, or share via the Services ("User-Generated Content" or "UGC"). This explicitly includes information provided when claiming or updating company or professional profiles.
By providing UGC, users irrevocably grant Mployer, its legal representatives, successors, and authorized parties, a non-exclusive, worldwide, perpetual, royalty-free, fully-paid, assignable, and sublicensable license to use, copy, modify, adapt, publish, translate, create derivative works from, sell, and distribute the UGC. This expansive license includes the right to in corporate such content into any form, medium, or technology currently known or subsequently developed, globally, at Mployer's sole discretion, for any purpose, including advertising, promotional, marketing, publicity, trade, or commercial purposes, without requiring compensation or attribution to the user or any other entity. While the content of UGC, particularly business-related data and general information about companies or professionals, is subject to this broad commercial license, any personal information embedded within that UGC (e.g., an individual's name, email, or phone number if provided as a contact for a business profile but not intended for public display) will still be handled in accordance with the specific privacy principles outlined in this Privacy Policy regarding its collection, use, sharing, and security.
Users acknowledge that their UGC will generally be treated as non-confidential, and Mployer has no obligation to maintain its confidentiality, except as specifically required by this Privacy Policy.
When providing UGC, users represent and warrant that they own or control all rights to their UGC, that it is original, has not been copied or derived from other works, and does not infringe upon the intellectual property, privacy, or publicity rights, or any other legal or moral rights of any third party. Users further warrant that they have obtained necessary written permissions and consents for any individuals depicted in their UGC.
Mployer reserves the right to change, condense, edit, modify, transmit, display, or delete any UGC, including information provided for claimed or updated company or professional profiles, at any time, for any reason, and without prior notice.
Mployer retains personal information for the duration necessary to fulfill the purposes for which it was collected. This includes the ongoing provision of Services, compliance with legal obligations (such as tax, accounting, or other regulatory requirements), resolution of disputes, and enforcement of agreements. Users may request the removal of their profile by providing written notification to Mployer, as detailed in the Terms of Service. Upon receipt of a valid request, Mployer will process the removal of the profile within a reasonable time frame, subject to its established data retention policies and any applicable legal obligations.
Mployer implements reasonable technical and organizational measures designed to protect personal information from unauthorized access, use, alteration, or disclosure. These measures encompass administrative, technical, and physical safeguards. However, it is important to acknowledge that no method of transmission over the internet or method of electronic storage can guarantee absolute security. Therefore, Mployer cannot assure the absolute security of personal information. Users bear sole responsibility for maintaining the confidentiality of their account credentials, including username and password, and for all activities that occur under their account.
Mployer provides users with certain choices and rights regarding their personal information.
Users can access and update their account and profile information directly through the Services. As a paying user managing a claimed profile, the primary responsibility rests with the user to ensure the accuracy, completeness, and timeliness of all information submitted for their profile.
Users may request the removal of their profile by contacting Mployer in writing, as specified in the Terms of Service.
Users have the option to opt out of receiving promotional communications from Mployer by following the unsubscribe instructions provided within those communications or by contacting Mployer directly.
Users can manage their cookie preferences through their individual web browser settings. It is important to note that disabling cookies may impact the functionality and performance of certain aspects of the Services.
Mployer's Services are not directed towards individual sunder the age of 18. Mployer does not knowingly collect personal information from children. If Mployer becomes aware that it has in advertently collected personal information from a child without verifiable parental consent, immediate steps will be taken to remove that information from its systems. This policy aligns with the user eligibility requirements outlined in the Terms of Service, which state that users must be lawfully able to enter into contracts and be at least the age of legal majority in their state of residence.
This section clarifies the specific regulatory frame work under which Mployer operates, setting clear boundaries for its services and data handling practices.
The Services provided by Mployer Advisor, Inc. are exclusively intended for use by users located within the United States only. This intentional geographic limitation streamlines Mployer's compliance efforts by focusing solely on the US legal framework, there by minimizing the complexities and stringent requirements often associated with international privacy regulations. This approach is a foundational aspect of Mployer's privacy posture and a key determinant for the applicability of various privacy laws.
Mployer Advisor, Inc. operates outside the purview of certain prominent privacy regulations. Mployer does not fall under the California Consumer Privacy Act (CCPA) or other specific California privacy laws. Further more, Mployer does not collect, process, or store Protected Health Information (PHI) as defined under the Health Insurance Portability and Accountability Act (HIPAA), and consequently, Mployer's operations are not subject to HIPAA. Similarly, Mployer is not a financial institution and does not handle consumer financial data in a manner that would subject it to the Gramm-Leach-Bliley Act (GLBA). This explicit declaration of non-applicability serves as a proactive legal boundary, defining Mployer's regulatory landscape and managing user expectations regarding the scope of privacy rights and obligations under these specific statutes. It underscores that Mployer's core business involves processing business-related information and employee benefits data, not sensitive personal health or financial data of individuals that would trigger these highly regulated laws.
Mployer reserves the right to modify this Privacy Policy at any time. Any revisions will become effective immediately upon the posting of the updated policy on the website, accompanied by a new "Effective Date." Users' continued use of the Services subsequent to such modifications constitutes their acceptance of the revised Privacy Policy. This approach to policy updates is consistent with the modification clauses outlined in Mployer's Terms of Service.
For any questions regarding this Privacy Policy or Mployer's privacy practices, please contact us at:
Mployer Advisor, Inc.
3200 West End Ave, Suite 500
Nashville TN 37203
Email: [email protected]
Phone: (844) 743-6456
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