Website Privacy Policy

Effective Date: February 1, 2019


MDAdvantage Insurance Company of New Jersey ("MDAdvantage," "we," "us" or "our") recognizes the importance of protecting the privacy of our online visitors. It is our intent to balance our legitimate business interests in collecting and using information received from and about you with your reasonable expectations of privacy. The following privacy policy ("Privacy Policy") is the way we handle information learned about you from your visits to our website available at www.mdadvantageonline.com (the "Site").

PLEASE REVIEW THIS PRIVACY POLICY CAREFULLY. When you submit information to or through the Site, you consent to the collection and processing of your information as described in this Privacy Policy. By using the Site, you accept the terms of this Privacy Policy, our Terms of Use, and consent to our collection, use, disclosure and retention of your information as described in this Privacy Policy. IF YOU DO NOT AGREE WITH ANY PART OF THIS PRIVACY POLICY OR OUR TERMS OF USE, YOU ARE NOT AUTHORIZED TO USE THE SITE.

Personal Information



MDAdvantage collects personally identifiable information including name, mailing addresses, e-mail address, phone number, company and industry, job title, educational degree, and information regarding desired registration when an individual uses the online registration form for "MDAdvisor" publication, when you register for risk management education events on the Site or when you contact us via the contact form on our Site. This information is stored electronically when you submit it to us through the Site. When you make a purchase through our Site, the payment is processed by our payment service providers. MDAdvantage, however, does not collect, store or transmit your credit card or payment information.

We may also receive certain contact information about you, such as name and address, from third parties such as industry associations, your state’s board of medical examiners, or other email list providers on an ad-hoc basis.

Information Collected Automatically



In addition, information about your computer hardware and software is automatically collected by MDAdvantage when you use the Site. This information may include: your IP address, browser type, domain names, access times, referring website addresses and other technical information such as protocol status and sub status, bytes sent and received, and server information. We may also collect information about how you interact with the Site. This information is used by MDAdvantage for the operation and improvement of the Site, for technical troubleshooting, to maintain quality of the Site, and to provide general statistics regarding use of the Site.

Cookies and Other Information Collection Tools



What are cookies? A cookie is a small file containing a string of characters that is sent to your computer when you visit a website or use an online service. When you visit the website or use the service again, the cookie allows that website or online service to recognize your browser or device. Cookies may store unique identifiers, user preferences and other information.

Why do we use them? Cookies help us improve the Site by providing us with information about which parts of the Site are most popular, enabling us to analyze technical and navigational information about the Site, and helping us to detect and prevent fraud. We also use cookies and other data collection tools (such as web beacons and server logs) to help improve your experience with the Site. For example, we use Google Analytics to help analyze how users use the Site. These tools use cookies to collect standard Internet log information and visitor behavior information in an anonymous form. The information generated by the cookie about your use of the Site (including IP address) is transmitted to our data collection tool service providers. This information is then used by us to evaluate visitors’ use of the Site and to compile statistical reports on website activity for MDAdvantage. If you would like to opt-out from the use of your information by Google analytics, you may use Google’s analytics opt-out browser add-on designed for this purpose.

How do I control cookies? Web browsers allow some control of most cookies through the browser settings. To find out more about cookies, including how to manage and delete cookies, visit www.allaboutcookies.org. Some web browsers provide settings that allow a user to reject cookies or to alert a user when a cookie is placed on the user’s computer, tablet or mobile device. Most mobile devices also offer settings to reject mobile device identifiers. Although users are not required to accept cookies or mobile device identifiers, blocking or rejecting them may prevent access to some features available through the Site.

How Information is Used



We may use the information we collect for any of the following purposes:

  • to provide the Site to you and to improve the Site;
  • To provide you with our services, such as to provide access to our MDAdvisor publication if you are a subscriber;
  • to operate, improve, and personalize the services we offer, and to give each user a more consistent and personalized experience when interacting with us;
  • to provide you with information about services or events that we think may be of interest to you;
  • for customer service, security, to detect fraud or illegal activities, and for archival and backup purposes in connection with the provision of the Site;
  • for research and analysis purposes; and
  • to communicate with you.

Sharing of Information



  • With Third Party Service Providers Performing Services on Our Behalf. We share your personal information with our service providers to perform the functions for which we engage them. For example, we may use third parties to host the Site or assist us in providing functionality on the Site, provide data analysis and research services, to send out email updates about the Site, provide marketing and advertising services for us, remove repetitive information from our user lists, and process payments.
  • With Brokers. Certain registered users of the Site with whom you have a verified and existing broker/client business relationship may have access to some of the information you provide to us for the purposes of furthering your relationship with those parties.
  • For Legal Purposes. We also may share information that we collect from users as needed to enforce our rights, protect our property or protect the rights, property or safety of others, or as needed to support external auditing, compliance and corporate governance functions. We will disclose personal information as we deem necessary to respond to a subpoena, regulation, binding order of a data protection agency, legal process, governmental request or other legal or regulatory process. We may also share personal information as required to pursue available remedies or limit damages we may sustain.
  • Changes of Control. We may transfer information, including your personal information, in connection with a change of ownership or control by or of us or any affiliated entity (in each case whether in whole or in part).

MDAdvantage does not share your information with third parties for those third parties’ marketing purposes.

Security Used and Retention of Personal Information



MDAdvantage uses reasonable security measures designed to prevent unauthorized intrusion to the Site and the alteration, acquisition or misuse of personal information, however, we will not be responsible for loss, corruption or unauthorized acquisition or misuse of personal information that you provide through the Site that is stored by us, or for any damages resulting from such loss, corruption or unauthorized acquisition or misuse. It is your responsibility to protect the security of your login information.

MDAdvantage will retain your personal information for as long as necessary to fulfill the purpose for which it was collected, or as required by applicable laws or regulation, or until you request that we delete it. You may modify your information with MDAdvantage. Copies of information that you have updated, modified, or deleted will remain in our systems if applicable law requires us to retain it.

Links to External Websites



Our Site may contain links to third party websites. Any access to and use of such third party websites is not governed by this Privacy Policy, but instead is governed by the privacy policies of those third party websites, and we are not responsible for the information practices of such third party websites.

Do Not Track



MDAdvantage does not track its customers over time and across third party websites and therefore does not respond to Do Not Track signals at this time. Do Not Track is a privacy preference that you can set in your web browser to indicate that you do not want certain information about your webpage visits collected across websites when you have not interacted with that service on the page. For details, including how to turn on Do Not Track, visit www.donottrack.us.

Children



We do not knowingly collect or maintain personal information from any person under the age of thirteen. No parts of our Site are directed to or designed to attract anyone under the age of thirteen.

Questions and Changes in Information



If you have any questions regarding this Privacy Policy or would like to change or update your personal information, please contact us as follows.

Call:
888-355-5551 and speak with one of our customer service specialists

Mail to:
MDAdvantage Insurance Company
100 Franklin Corner Road
Lawrenceville, NJ 08648-2104

Notification of Changes



Any changes to our Privacy Policy will be posted to this page so users are always aware of the information we collect and how we use it. Accordingly, please refer back to this Privacy Policy frequently as it may change.