MIC Ltd. (“MICL”) values its customers and is committed to protecting and respecting individual privacy, and the lawful and correct treatment of personal information. This Data Privacy Policy explains how MICL will process and protect any personal information we collect or receive. It applies to personal information provided by customers, brokers, policyholders, claimants, third party services providers, complainants, and job applicants. Please read this Data Privacy Policy carefully to understand our practices regarding personal information.

​

MICL can be contacted via regular mail or by email at the below address.  We aim to respond to all correspondence within thirty (30) days.

​

Data Privacy Officer
MIC Ltd. (Mutual Insurance Company)

30 Woodbourne Ave, 5th Floor

Pembroke, HM 08

Bermuda
Email: dpo@mic.bm

 

MIC Ltd. primarily insures corporations and other media-related organizations.  Our business operations rely on intermediaries such as brokers, bankers, employees, and outsourced vendors.  We may require certain information about ownership to satisfy international or domestic sanctions laws or collect personal information in connections to claims insured by our media liability policies.

​

Personal Information Collection

 

MIC Ltd. has adopted the following policy with respect to personal information.

​

1. We will collect and store personal information only if needed.
 

2. How we use personal information

We may collect personal information to help us with advising on, arranging, underwriting, or administering an insurance contract or administering a claim under an insurance contract. Specifically:

​

a.       Advising on, arranging and underwriting your policy, including:

• Understanding your insurance requirements to offer you a product that matches your needs and circumstances

• Gaining an understanding of the nature of the risk to be covered by the policy including risk modelling and statistical use

• Providing competitive and appropriate pricing

• Performing credit or money laundering checks or other checks required by law

• Fraud prevention
   

b.      Administering your policy, including:

• Managing any changes to your policy

• Providing and improving services under and associated with the insurance contract as appropriate

• Maintaining contact with you, for issues relating to your policy and general customer contact

c.       Administering your claims, including:

• Registering your claims

• Assessing your claims, including any liaison with third parties potentially involved in your claims, e.g. communications regarding health information

• Running due diligence checks e.g. credit or money laundering

• The investigation of fraudulent claims

• The defense of or prosecution of valid and legal claims

d.       Recruitment of current and former employees, directors and service providers:

• Purpose of processing an employment application

• Assess your suitability for employment

• Assessments, tests or occupational profiles

• Providing or requesting references

• To carry out background checks

e.      Further reasons, including:

• To ensure we comply with any legal or regulatory obligations

• To allow us to perform the essential practice and process of underwriting

• Analyzing our clients and the products they select

• For reinsurances purposes

• To audit our business

• Transferring books of business, company sales and reorganizations

• For marketing purposes

​

3. Types of personal information collected
 

a. Individual details

Name, address, other contact details (e.g. email and telephone numbers), gender, marital status, date and place of birth, nationality, national unique identifier passport number, driving licence number, employer, job title and employment history, and family details, including their relationship to you.

b. Risk details

Information about you which we need to collect to assess the risk to be insured and provide a quote.

c. Anti-fraud data

Sanctions and criminal offences, and information received from various anti-fraud databases relating to you or those seeking coverage.

d. Previous and current claims

Information about previous and current claims.

​

4.With Whom we share personal information
 

To allow us to meet our obligations and effectively provide our services to you, it may be necessary to pass your personal information onto external parties. These external parties may include:

• Credit reference agencies

• Anti-fraud databases

• Claims handlers

• Legal professionals

• Loss adjustors

• External parties involved in the claim

• Private investigators

• The police and law enforcement

• External parties involved in the investigation, defense or prosecution of claims

• Other insurers (under court order or to prevent and detect fraud)

• Regulators and Supervisory Authorities

• Companies that are part of the MIC group

• Our third party suppliers and sub-contractors for the performance of any contract we have with them

 

Personal data will be shared securely, and only when necessary. It will never be sold to external parties or organizations for marketing purposes.

​

5.Ongoing storage and use of personal information
 

We will not keep personal information for longer than necessary for the purpose for which it is processed.  It will be retained in accordance with our records management policy. Applicable laws and regulations may require us to keep records for specific periods of time, subject to certain exceptions. We may also need to keep records to administer the insurance relationship, to fulfil our contractual or statutory obligations or to resolve queries or disputes which may arise.

6.Information Security 
 

We implement technical and organizational measures to ensure a level of security appropriate to the risk to the personal information we process. These measures are aimed at ensuring the ongoing integrity and confidentiality of personal information. We evaluate these measures on a regular basis to ensure the security of the processing.

 

Your individual rights

 

You have the right to:

• Obtain a copy of your personal information held by MIC Ltd.

• Have any incorrect personal information corrected

• Request the erasure of any of your personal information

• Restrict or object to the use of your personal information

• Request the personal information you provided to MIC to be moved to another organization

 

If you wish to exercise any of these rights please write to the MIC Privacy Officer at the address or email above stating your request and contact details.

 

If you contact us regarding the exercise of these rights, we will seek to action your wishes. There may be in some cases (particularly where the request relates to the restriction of use of personal information, the objecting to the use of personal information or the erasure of the data) reasons why we are not able to fully comply with your request, particularly where we are required to keep and use that data to comply with contractual, legal or regulatory requirements.  

 

Right to withdraw consent

 

In the limited circumstances where you may have provided your consent to the collection, processing and transfer of your personal information for a specific purpose, you have the right to withdraw your consent for that specific processing at any time. To withdraw your consent please contact us. Once we have received notification that you have withdrawn your consent, we will no longer process your information for the purpose or purposes you originally agreed to, unless we have another legitimate basis for doing so in law.  

 

Complaints

 

MICL is committed to providing high quality products and services. If you feel that we have not met your expectations, we'd like to know so we can put things right for you. You can submit a complaint by writing to the MIC Privacy Officer at the address or email above.

 

We expect that any complaint  be best dealt with by contacting us in the first instance.  We  take complaints made to us seriously. However, if you have a complaint about our use of your personal information, and do not wish to contact us first, you also have the right to submit your complaint directly to the Office of the Privacy Commissioner of Bermuda at www.privacy.bm.   

 

Web analytics

 

In order to develop our site in line with our customers' needs, MICL may track which pages on our website are visited most frequently and how long visitors spend on our site. We use this information to help improve the site.

We never gather other information from your computer.

​

Use of cookies

​

Cookies are small text files that are placed on your computer by websites that you visit. They are widely used in order to make websites work, or work more efficiently, as well as to provide information to the owners of the site.

​

We use cookies on our websites to track how users navigate our sites, and in order to enable us to evaluate and improve our sites. We use this information to compile statistical data on the use of our websites. The information obtained is used on an anonymous, aggregated basis and you cannot be identified from this.  Cookies cannot access your computer too obtain information about you or your family or read any material kept on your hard drive. Cookies cannot be used to identify who you are.

​

You are not obliged to accept a cookie that we send to you and you can in fact modify your browser so that it will not accept cookies. However, if you modify this setting you may be unable to access certain parts of our site.  

​

For further information on our Website Host:  https://www.websitepolicies.com/blog/privacy-policy-for-wix