Privacy policy

Milliman, Inc (“Milliman”, “we”) respects your privacy and is committed to protecting the personal information you share with us. The purpose of this privacy policy is to set out the principles governing our use of personal information. If you give us personal information, we will treat it according to this policy.

Collection of Information and Security

Aggregate information

Like many companies, we monitor the use of this Web site by collecting aggregate information. No personally identifiable data are collected in this process. Typically, we collect information about the number of visitors to the Web site, to each Web page and the originating domain name of the visitor’s Internet Service Provider. This information is used to improve the usability, performance and effectiveness of the Web site.

How we collect aggregate information

In some instances, Milliman may collect aggregate data through cookies. Cookies contain information that is transferred to your computer’s hard drive. The majority of Web browsers accept cookies and similar files, but you can usually change the browser settings to prevent this. However, if you do so, some functionality of this Web site may be lost.

Personal information

If you are required to register in order to use a feature of this Web site or to complete an online application form (e.g. to obtain e-mail updates or online publications), we will collect personally identifiable information about you, such as your name, e-mail address, country of residence, and other information which you voluntarily submit.

Security

We store your personal data on a secure server that is password protected and shielded from the outside world by a firewall. We have in place security policies that are intended to ensure, as far as possible, the security and integrity of all our information, including your personal information.

Sharing Your Personal Information

Data processing and storage

If we obtain any personal information about you, we may share it within Milliman or any of our worldwide subsidiaries for purposes of data processing or storage.

The data that we collect from you may be transferred to, and stored at, a destination outside the European Economic Area (“EEA”). It may also be processed by Milliman or its subsidiaries operating outside the EEA. By submitting your personal data, you agree to this transfer, sorting or processing. Milliman will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this privacy policy.

Use of information about you

We may use information held about you in the following ways:

• To ensure that content from our site is presented in the most effective manner for you and for your computer.
• To provide you with information, products or services that you request from us or which we feel may interest you, where you have consented to be contacted for such purposes.
• To carry out our obligations arising from any contracts entered into between you and us.
• To allow you to participate in interactive features of our service, when you choose to do so.
• To notify you about changes to our service.

We may also use your data, or permit selected third parties to use your data, to provide you with information about goods and services which may be of interest to you and we or they may contact you about these.

If you are an existing customer, we will only contact you by electronic means (e-mail or SMS) with information about goods and services similar to those which were the subject of a previous sale to you. If you are a new customer, and where we permit selected third parties to use your data, we (or they) will contact you by electronic means only if you have consented to this.

If you do not want us to use your data in this way, or to pass your details on to third parties for marketing purposes, please tick the relevant box situated on the form on which we collect your data or send us an email at the address given below.

Notice and choice for onward transfer

We may disclose your personal information to any member of our group, which means our subsidiaries, our ultimate holding company and its subsidiaries, as defined in section 736 of the UK Companies Act 1985.

We may disclose your personal information to third parties:

• In the event that we sell or buy any business or assets, in which case we may disclose your personal data to the prospective seller or buyer of such business or assets.
• If Milliman or substantially all of its assets are acquired by a third party, in which case personal data held by it about its customers will be one of the transferred assets.
• If we are under a duty to disclose or share your personal data in order to comply with any legal obligation, or in order to enforce or apply our Terms of Use and other agreements; or to protect the rights, property, or safety of Milliman, our customers, or others.

Your rights

You have the right to ask us not to process your personal data for marketing purposes. We will usually inform you (before collecting your data) if we intend to use your data for such purposes or if we intend to disclose your information to any third party for such purposes. You can exercise your right to prevent such processing by checking certain boxes on the forms we use to collect your data. You can also exercise the right at any time by contacting us at comments@careguidelines.com.

We will ask you for your opt-in consent to share your personal information with any other third party for any other reason.

Legal requirements and illegal activities

We may respond to subpoenas, court orders, or legal process by disclosing your personal information and other related information, if necessary. We may collect and share personal information in order to investigate or take action regarding illegal activities, suspected fraud, violations of Milliman’s Terms of Use, or as otherwise required by law. We do not accept any liability arising out of or in connection with our use of your data in this way.

Children

Our Web sites do not target and are not intended to attract children under the age of 13. We do not knowingly collect information from or about children.

Access and Corrections

The Data Protection Act 1998 gives you the right to access information held about you. Your right of access can be exercised in accordance with the Act. Any access request may be subject to a fee of £10 to meet our costs in providing you with details of the information we hold about you. You also have a right to require any inaccuracies in your information to be corrected free of charge. You can ask us to modify your details by sending an e-mail to: comments@careguidelines.com.

Third-party Links

Our Web site may provide links to other third-party Web sites that are outside our control and not covered by this policy. We encourage you to review the privacy policies posted on these (and all) sites. We do not accept any responsibility or liability for these sites or policies.

Change

We may change our privacy policy from time to time. We therefore ask you to check it occasionally to ensure that you are aware of the most recent version.

How to Contact Us

We welcome feedback and questions on this privacy policy. If for any reason you wish to contact us, please send an e-mail .

This Web site is provided by Milliman, Inc. References to “Milliman,” “we,” “us,” and “our” are references to Milliman, Inc. and its affiliates.

Law

This privacy policy is governed by the laws of England and shall be subject to the jurisdiction of the courts of England and Wales.