Marsh & McLennan Companies, Inc. (the “Company”) believes strongly in protecting the privacy of individuals who visit this website (the “Site”). This Privacy Statement explains what personal information we collect through this Site, how we use, share, and protect that personal information, and what your rights are with respect to your personal information that we gather through the Site.
This Privacy Statement applies solely to data collected via the Site, www.mmc.com. It does not apply to information we may collect through other means, for example by phone or in the context of a direct client relationship, although such information may be covered by separate policies. This Privacy Statement also does not apply to the websites of our affiliates, who maintain individual privacy policies for their respective websites.
What Data Do We Collect?
The information we collect through the Site falls into two categories:
(1) Information you voluntarily provide to us on the Site.
(2) Information gathered via automated means as you navigate through the Site.
Information Voluntarily Provided by You:
In the course of using this Site, you may choose to provide us with information to help us serve your needs. For example, you may complete a submission on the “Contact” page with your name, e-mail address, telephone number, street address, and/or any other information you voluntarily enter in order to ask us a question or request information.
Information Collected by Automated Means:
You can refuse to accept and delete cookies by adjusting your browser setting. Please note that refusing or deleting cookies may impact your browsing experience on the Site, or prevent you from using some of its services, and it may result in the deletion of any preferences you have set. For more information on how to reject or delete cookies, you should consult with your browser's or device’s help documentation or visit www.aboutcookies.org. The Company does not use technology that recognizes do-not-track signals from your browser. You can also opt out of Internet based advertising by installing a browser plugin from the third party where available. For more information about interest-based advertising, please see: http://www.networkadvertising.org/managing/opt_out.asp.
In addition, in the course of seeking network security and consistent service for all users, software programs may be employed to monitor network traffic, identify unauthorized access or access to nonpublic information, detect computer viruses and other software that might damage our computers or the network, and monitor and fine-tune our network’s performance. These programs may detect additional information from your computer such as your IP address, addresses from network packets, and other technical information. Any such information is used only for the purpose of maintaining the security and performance of the Company’s networks and computer systems.
We may combine the information you provide us and information we automatically collected with information from public or third-party sources.
How Do We Use the Data We Collect?
We will use the information provided by you in order to respond to your inquiries on this Site. For example, we may send you electronic or written materials or, if you supply us with your telephone number, you may receive telephone contact from us in response to your request. We also use information collected on this Site to administer, improve, and personalize the Site, maintain network security and performance and protect against cyber-attacks, to market our services, and to comply with and enforce applicable laws, industry standards, and our own policies.
We work with our business partners to collect information about the use of the Site. Our business partners collect information such as how often users visit the Site and what pages users visited prior to visiting the site. We use this information to maintain and improve the site. We may partner with Google Analytics in these activities. For information about how Google uses the information, see Google’s Terms of Service and the Google Privacy Statement. You can opt out of Google Analytics by visiting https://tools.google.com/dlpage/gaoptout.
Who Do We Share Your Data With?
We will not disclose, share, sell, or otherwise use your personal information without your consent, except to the extent required by law, in accordance with your instructions, or as identified in this Privacy Statement. We may share your personal information with:
- Affiliates: To enable them to provide services to you and to enable them to contact you regarding additional products and services that you have expressed an interest in.
- Agents and Service Providers: We sometimes contract with other companies and individuals to perform functions or services for us or on our behalf, such as hosting this Site, sending e-mail messages, and making phone calls. They may have access to personal information, such as email addresses, needed to perform their functions, but are contractually restricted from using such personal information for purposes other than providing services for the Company or on our behalf.
- Business Transfers: As we continue to develop our business, we might sell or buy assets. In such transactions, user information generally is one of the transferred business assets. Also, if either the Company itself or any of the Company’s assets were acquired (including through bankruptcy proceedings), your personal information may be one of the transferred assets.
- Legal Matters: The Company may preserve, and has the right to disclose any information about you or your use of this Site without your prior permission if the Company has a good faith belief that such action is necessary to: (a) protect and defend the rights, property, or safety of the Company or its affiliates, other users of this Site, or the public; (b) enforce the terms and conditions that apply to use of this Site; (c) respond to claims that any content violates the rights of third parties; (d) respond to claims of suspected or actual illegal activity; (e) respond to an audit or investigate a complaint or security threat; or (f) comply with applicable law, regulation, legal process, or governmental requests.
What Steps Do We Take to Protect Your Information?
This Site and all information that you submit through this Site is collected, stored, and processed in the United States within Company-controlled databases. We restrict access to your personal information to those employees of ours, and our affiliates, and to those service providers who need to use it to provide this Site and our products or services. We have implemented physical, administrative, and technical safeguards to protect your personal information from unauthorized access. However, as effective as our security measures are, no security system is impenetrable. We cannot guarantee the security of our systems, nor can we guarantee that information you supply will not be intercepted while being transmitted to us over the Internet.
How Long Do We Keep Your Information?
We will not retain personal data for longer than is necessary. How long is appropriate will depend on the type of data and the use to which it has been put. In general, we retain information for not less than seven (7) years to comply with local tax reporting and employment regulations and good business practice. Our legal department may direct that information be retained for a longer period of time in the event of a litigation hold or as deemed necessary to protect the interests of MMC or as otherwise required by law.
Some Other Matters
Accessing and Correcting Your Information:
Keeping your information accurate and up-to-date is very important. Inaccurate or incomplete information could impact our ability to deliver relevant services to you. Please let us know about any changes that may be required to your personal information using the contact information below.
For Company Career Candidates:
You can search for and review postings about job opportunities on our Careers page. However, to apply for a position, you must navigate to and sign into a separate global recruitment website that is not covered by this Privacy Statement. Upon logging into the global recruitment website, please review the privacy statement specific to that website.
Applicability of This Privacy Statement to International Users:
Binding Corporate Rules:
Marsh and McLennan Companies’ Binding Corporate Rules – or BCRs – are a means of transferring personal data internationally within the Company group in compliance with applicable data protection legislation in the European Economic Area (EEA). They were formally approved by the Information Commissioner’s Office, the local Data Protection Authority in the United Kingdom, on October 6, 2017. Our BCRs consist of both the Controller and Processor Standards. For further information regarding how our BCR Standards operate, click here. For a list of entities that have agreed to be bound by Marsh & McLennan Companies’ BCRs, click here.
This Site it not intended for children, and we do not knowingly collect, use, or disclose information of children under the age of thirteen (13) without the consent of their parents or legal guardians. In an instance where such information was collected, it would be purely accidental and unintentional.
Rights of California Residents:
Under California’s “Shine the Light” law, Site visitors who are California residents may request and obtain a notice once a year about the personal information the Company shared with other businesses for their own direct marketing purposes. Such a notice will include a list of the categories of personal information that was shared (if any) and the names and addresses of all third parties with which the personal information was shared (if any). The notice will cover the preceding calendar year. To obtain such a notice, please contact us as described below. In addition, under this law you are entitled to be advised how our Site handles “do not track” browser signals. Because there currently is not an industry or legal standard for recognizing or honoring DNT signals, we do not honor Do Not Track requests at this time.
Changes to Privacy Statement
The Privacy Statement is subject to change at any time. If we make changes to this Privacy Statement, we will update the date it was last changed at the top of this page. Any changes we make to this Privacy Statement become effective immediately when we post the revised Privacy Statement on this Site. We recommend that you review this Privacy Statement regularly for changes.
Questions or Concerns?
If you have any questions, concerns, or complaints about this Privacy Statement, or our privacy practices in general, they should be directed to the Company at MMCPrivacy@mmc.com, with a subject line of “WEBSITE”, or by contacting the Company at:
Marsh & McLennan Companies, Inc.
Attn: Chief Privacy Officer
1166 Avenue of Americas
New York, New York 10036-2774