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Privacy Policy:  Marsh & McLennan Agency LLC (Northeast)

Last Updated:  November, 2012

Marsh & McLennan Agency LLC (Northeast) is committed to protecting the privacy of Internet users who visit our website, located at www.mma-ne.com (the “Site).  This privacy policy is intended to inform you of the ways in which this Site collects information, the uses to which that information will be put, and the ways in which we will protect any personal information you choose to provide.  Any personally identifiable information collected on this Site is considered Personal Information and will be treated in accordance with this Privacy Policy.

The information gathered by Marsh & McLennan Agency LLC (Northeast) from this site falls into two categories:  (1) information voluntarily supplied by visitors to our Site and (2) tracking information gathered as visitors navigate through our Site.

Information Voluntarily Provided by You
When using this Site, you may choose to provide us with information to help us serve your needs.  For example, you may provide us your e-mail address to request information, or you may send us your mailing address so we may send you the material you have requested.  Any Personal Information you send us will be used only for the purpose indicated on the Site or in this policy.

If you supply us with your telephone number, you may receive telephone contact from us in response to your request.

Cookies
Our Site uses cookies to monitor use of this Site by visitors.  The Site may use cookies for two purposes: to carry data about your current session at the Site from one web page to the next; and to identify you to the Site.  The only personal information a cookie can contain is information you supply.  A cookie cannot read data off your hard drive.

Some pages of our Site may not function properly if the cookies are turned off.  Cookies are placed on your computer, and accordingly we neither store cookies on our computers nor forward them to any external parties.

The information that may be maintained by a cookie may include:  a registered user’s username, the pages visited on the Site; the data and time of the visit; the internet address (URL or IP address) of the referring site; the domain name and IP address from which the access occurred; the version of browser used; the capabilities of the browser; and the search terms used on our search engines.  This information is used by Marsh & McLennan Agency LLC (Northeast) solely to help us manage the Site, improve features of the Site and understand usage patterns.

In the course of ensuring network security and consistent service for all users, Marsh & McLennan Agency LLC (Northeast) employs software programs to do such things as monitor network traffic, identify unauthorized access to nonpublic information, and detect computer viruses and other software that might damage Marsh & McLennan Agency LLC (Northeast) computers or the network, and monitor and tune the performance of the network.  In the course of such monitoring, these programs may detect such information as e-mail headers, addresses from network packets, and other information.  Information from these activities is used only for the purpose of maintaining the security and performance of Marsh & McLennan Agency LLC (Northeast) network and computer systems.

Use of Personal Information
We will not sell, exchange or otherwise distribute your Personal Information without your consent, except to the extent required by law, in accordance with your instructions, or as identified in this privacy policy.

External Links
Marsh & McLennan Agency LLC (Northeast) may include links to other websites.  We do not control the privacy policies of those sites.  Once you leave our servers, use of any information you provide is governed by the privacy policy of the operator of the website you are visiting.  That policy may differ from ours.

Information Storage and Security
This Site and all information that you submit through this Site is collected, stored, and processed in the United States.  All information gathered on our Site is stored within the Marsh & McLennan Agency LLC (Northeast) controlled database.  However, as effective as our security measures are, no security system is impenetrable.  We cannot guarantee the security of our database, nor can we guarantee that information you supply will not be intercepted while being transmitted to us over the Internet.

Marsh & McLennan Agency LLC (Northeast) Is Not Interested in Minors
You must be at least 18 years old and possess the legal authority to form legally binding contracts under applicable law to use this Site and the services provided on it.  Marsh & McLennan Agency LLC (Northeast) does not knowingly collect Personal Information from those under the age of 18.  In an instance where such information was collected it would be purely accidental and unintentional.  Marsh & McLennan Agency LLC (Northeast) encourages parents to discuss the Internet with their children and monitor Personal Information that a child may provide via the Internet.

Policy Updates
This privacy policy was last updated in November 2012.  We may update this privacy policy from time to time.  When we do so, changes in our privacy policy will be effective immediately.  If you are a regular visitor to this Site, we recommend that you check this privacy policy on a regular basis.

Contact Information
Questions regarding this policy should be directed to Marsh & McLennan Agency LLC (Northeast) at:
Mr. William A. Cilente, II
Marsh & McLennan Agency
66 Route 17 Paramus, NJ 07652-2742
+1 800 642 0106