Privacy and Security Statement

The three North Carolina based statutory organizations: the North Carolina Rate Bureau (NCRB), the North Carolina Reinsurance Facility (NCRF) and the North Carolina Insurance Guaranty Association (NCIGA) are committed to protecting the individual privacy of all customers interacting with our Organizations through our web site www.ncrb.org (the “Site”).  We are communicating this Privacy and Security Statement to our visitors in order to disclose our privacy and security practices for our Site.  For convenience, these three organizations will be referred to collectively in this document as “NCRB”.  
Collection of Information

NCRB is the sole owner of information collected on this site.  NCRB does not share, sell or rent this information to others for any other reasons except what is explicitly stated in this document.
Visitors to our site are not required to reveal any personally identifiable information to NCRB.  Visitors who wish to receive information and/or access to NCRB products or services must provide us with certain contact information in order for us to follow-up regarding your request (see under Registration).

In addition, NCRB’s systems collect technical data during your connection to our site that include:Privacy and Security Statement

  •     the name of the domain from which you access the Internet
  •     the type of browser and operating system used to access our Site
  •     the date and time you access our Site
  •     the Internet address of the Web site from which you linked directly to our Site
  •     the pages and files you access on this Site.

This data is collected regardless of whether you are a visitor or a registered User of our web site and does not identify your personally.  NCRB uses this data to improve both the content and the supporting technology of our site.

Registration

In order to access members-only features of this web site, users must complete a registration form. During registration a user is required to give their contact information such as name, e-mail address, address, phone number and User ID.  NCRB uses this information to provide requested products and services and related information to you.

Cookies

There are two types of cookies, standard and session cookies.  Many web applications use standard cookies which are written to your hard drive and are used to remember you the next time you visit the application’s web site.  NCRB does not use standard cookies, and therefore does not store information on your hard drive (unless you explicitly request/download a file).  Instead, NCRB uses session cookies which are stored in memory to remember important information about your session as your navigate from page to page.  Once you close your browser the session cookie is removed from memory.

Security

NCRB has implemented reasonable security measures to help protect against the loss, misuse and alteration of the personal information under our control.  NCRB uses industry-standard firewalls around all NCRB networks and servers that store personal data.  When accessing products and services on our site that contain sensitive information, NCRB employs secure socket layer (SSL) technology using 128 Bit encryption.
If you have reason to believe a breach of security at NCRB has led to disclosure of your personally identifiable information, you should send an e-mail to techsupport@ncrb.org.
Unfortunately, no data transmission over the Internet can be guaranteed to be 100% secure. As a result, while we strive to protect your personal information, NCRB cannot ensure or warrant the security of any information you transmit to us, and you do so at your own risk..

Third-Party Sites

The NCRB Web site contains links to other sites.  NCRB has no responsibility for the privacy practices of other Web sites, including the Web sites of its partners.  Whenever a Web browser window is opened that does not show a Web page created by NCRB (noted by NCRB copyright statement at the bottom of such pages), then this privacy and security statement does not apply.

Legal Requirements

NCRB intends to protect your privacy to the fullest extent possible as described in this Privacy and Security Statement while also fulfilling our responsibility to uphold all applicable laws and regulations.  Due to potential legal requirements and other possible circumstances, we cannot ensure that all of your private communications and other personally identifiable information will never be disclosed or accessed in ways not otherwise described in this policy.  We may be compelled under law to disclose information to government or third parties under certain circumstances or third parties may unlawfully intercept or access transmissions or private communications.  Further, we can, and you hereby authorize us to, disclose any information to law enforcement or other government officials that we, in our discretion, believe is necessary or appropriate in compliance with the law.  In addition, we may transfer your information to the purchaser of the portion of our business to which the information relates, or to an affiliated NCRB entity, but only so long as such party adopts a privacy statement or policy that is substantially similar to this statement.

Enforcement

NCRB intends to comply with applicable data protection and privacy rules and regulations.  The United States Federal Trade Commission is the statutory body that has jurisdiction to hear any claims against NCRB regarding possible unfair or deceptive practices and violations of laws or regulations governing privacy.

Updates and Notifications

NCRB reserves the right to update this statement at any time.  NCRB will post any pending changes in its privacy and security statement at least 30 days before the changes will take effect.

Contacting NCRB

If you have any questions about this privacy and security statement, the practices of this site or your dealings with NCRB please contact our Information Center by e-mail at wcinfo@ncrb.org.

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North Carolina Insurance Guaranty Association