The North Carolina Rate Bureau (NCRB), the North Carolina Reinsurance Facility (NCRF) and the North Carolina Insurance Guaranty Association (NCIGA), all North Carolina-based non-profit, unincorporated, statutory organizations, are committed to protecting the individual privacy of our users interacting with our web site www.ncrb.org (the “Site”) and related software, sites, applications, content, databases, and web services (the “Services”). This Privacy Policy provides information about our privacy and security practices for users of our Services. For convenience, NCRB, NCRF, and NCIGA are referred to collectively in this Privacy Policy as “NCRB”.

INFORMATION COLLECTED

Generally, you can visit our Site without revealing any personal information about yourself. At times, though, we may need information about you. Unless otherwise indicated, the information we request is optional. We only collect personally identifiable information when you choose to reveal it to us.
 
Users will be required to provide their name, organization name, phone number, and e-mail address, and may also be requested to provide other data, when requesting information about our Services, and when registering and using our Services.

NCRB uses this information to provide requested products and services and related information to you.

NCRB may receive personal information from individuals who email or call NCRB for business purposes, such as for information about the Services, or for technical support, or in support of contracts and operations associated with the Services.

In addition, NCRB’s systems collect technical data during your connection to our Services that include:

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

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

NCRB is the sole owner of the information collected through the Services.

COOKIES, TRACKING TECHNOLOGIES, AND ANALYTICS TOOLS

NCRB uses cookies to store information about Users, such as viewing preferences and login information. A cookie is a data file that a web site writes to your computer when you visit or use our Services. Our Services may not be fully functional unless you accept use of Internet cookies. This information is used to identify who you are when you make a request to the Services. If you allow your browser to accept cookies when using the Services, a cookie is set and trusted when you return to the Services after visiting an external site.

We also may use pixel tags, web beacons and other similar technologies to improve our understanding of site traffic, visitor behavior, and response to promotional campaigns, as a supplement to our server logs and other methods of traffic and response measurement. Pixel tags are sometimes used in conjunction with small Javascript-based applications, which are also for the purpose of traffic measurement. We may also implement pixel tags provided by other companies, for the same purpose. The information we obtain in this manner enables us to customize the Service and to measure the overall effectiveness of the Service and associated web site and web activities.

NCRB gathers information about Users collectively and logs IP addresses, session sources, and other data that track access to the Services. We analyze these logs to better understand aggregate behavior and to monitor performance of our Services. The logs are analyzed to ascertain the overall aggregate trends they reveal about our Users, but not as a means of tracking the behavior of individual users outside our Services. This information is used for the purposes of maintaining and improving the Services.

USE AND DISCLOSURE OF INFORMATION

We do not sell, rent, use or share your personal information with others except for the disclosures and uses set forth in this Privacy Policy.

NCRB may use personal information to enroll you in our Services and to provide the Services to you.

In addition, NCRB may use your personal information to:

  • inform you of Service issues
  • communicate to you about information you have requested
  • alert you of new Service features and enhancements
  • enhance and test our Services
  • support and maintain our Services

NCRB may also disclose and use personal information:

  • when we have your permission to do so;
  • to companies who work for NCRB to provide one or more parts of the Services or that provide related administrative functions. These third parties may have access to your personal information; if they do, this access is only so that they may perform these tasks on our behalf, and they are obligated not to disclose or use it for any other purpose; and
  • when we believe in good faith that disclosure is reasonably necessary to (1) comply with a legal process or law, or to respond to a subpoena, court order, or government request for information, (2) enforce our Terms of Use or other agreements, (3) respond to claims that any content on the Service violates the rights of third parties, or that otherwise arise from your use of the Service, or (4) protect the rights, property, or personal safety of NCRB, its users, or the public.

SECURITY

NCRB has implemented reasonable security measures to help protect against the loss, misuse and alteration of personal information under our control. We take reasonable measures to maintain the integrity of information held by us in the Services. Additionally, we take reasonable steps to ensure that our third-party business partners, including our hosting partners, provide appropriate protection for personal information. We will promptly make any legally required disclosures of any breach of the security, confidentiality, or integrity of your unencrypted electronically stored personal data.

You acknowledge that no data transmission over the Internet or other electronic storage or service can be guaranteed to be 100% secure. As a result, while we take efforts 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. If you have any questions about the security of our Services, please contact us at servicedesk@ncrb.org.

THIRD-PARTY SITES

The Site and Services contain 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 Policy does not apply.

UNITED STATES

Our Services are hosted in the United States. If you are accessing the Services from outside the United States, please be advised that through your continued use of the Services, which is governed by United States law and this Privacy Policy, you are transferring your personal information to the United States and you consent to that transfer. The United States may not have the same data protection laws as your country.

CHILDREN

NCRB does not knowingly allow persons under the age of thirteen (13) to sign up for the Services or to otherwise disclose any of their personal information to us. If you are under 13 years old, please do not use or access our Services. If we become aware that we are processing Personal Information about a person under the age of 13, we may delete such information from our records and we may deactivate the related account.

UPDATES AND NOTIFICATIONS

NCRB reserves the right to update this Privacy Policy at any time. Your continued use of the Services after such posting constitutes your agreement to the current Privacy Policy and any future revisions.

SUBJECT TO TERMS OF USE

This Privacy Policy is further subject to the terms set forth in any website Terms of Use or legal disclaimers including without limitation all provisions regarding warranty disclaimers, limits of liability, and dispute resolution mechanisms such as the jurisdiction and forum provisions.

CONTACTING NCRB

If you have any questions about this Privacy Policy, the practices of this site or your dealings with NCRB please contact us at servicedesk@ncrb.org.