Privacy Policy


INTRODUCTION

Kentucky Employers’ Mutual Insurance (“KEMI”) is committed to protecting your privacy while you use websites and software programs operated by KEMI (collectively “KEMI Access Portals”). Read this Privacy Policy in its entirety so that you will understand all of the practices and procedures that relate to your online privacy. This Privacy Policy outlines the information that KEMI may collect and how we will use that information. 

By your use of KEMI Access Portals, you signify your assent to this Privacy Policy. If you do not assent to this Privacy Policy, you are not permitted to use any KEMI Access Portal. By your use of KEMI Access Portals following posted changes to this Privacy Policy, you signify your assent to those changes.

WHAT WE COLLECT

We aggregate both anonymous and personal data. What we collect depends on what you do when you use our KEMI Access Portals and on what personal information you elect to give us. This Privacy Policy governs use of the information that you provide to us. It does not govern the manner in which we may use information we have obtained from any other source, such as information obtained from a public record or from another person or entity.

Anonymous data

We collect anonymous data when you use KEMI Access Portals, including your internet address, the time of your visit and the information that you access and view. We use this anonymous data to monitor and improve the performance of the KEMI Access Portals. When using a KEMI Access Portal on a mobile phone, personal media player, tablet computer or other mobile device (collectively “Mobile Device”), KEMI may collect information such as a device identifier of the Mobile Device and global positioning system (“GPS”) data if GPS functionality is available and enabled on the Mobile Device.

Personal information

If you wish, you can provide us with personal information about yourself by using the contact forms and email addresses provided by the KEMI Access Portals. We only collect this information directly from you and only when you elect to provide it. Personal information about you is used for business and marketing purposes. If you accept the opportunity to be contacted by us, either by personal email, telephone, mail or email newsletter, you can revoke that acceptance at any time by contacting us at the contact points specified below.

Depending upon which of our services you are utilizing, the types of non-public personal information that we may collect include:

  • Name, business name, postal or mailing address, email address, and telephone number;
  • Information we receive from you on applications, forms and in other communications to us, whether in writing, in person, by telephone or by any other means;
  • Information about your transactions with us, our affiliated companies, or others;
  • Information from your transactions with us, such as payment history; underwriting, audit, and claim documents; and
  • Information we receive from your computing device when you visit a KEMI Access Portal that is unique to e-commerce transactions. It may include the website you visited before ours, your Internet e-mail address and operating system and statistical information on Web traffic and usage patterns.

All information entered into KEMI’s online e-business applications database is stored in a secure location on KEMI’s internal network and KEMI takes reasonable precautions to prevent access by anyone not authorized. If you provide your bank account information, KEMI stores your bank account information.

Cookie Disclosure

We reserve the right to use cookies in connection with your use of KEMI’s website. KEMI’s website may write one or more cookies to your computer while you are browsing KEMI’s website. The cookie(s) that KEMI’s website may use will not store any personally identifiable information. In certain cases, some information about your IP address, web browser, and computer system are automatically transmitted to KEMI’s web servers as an integral part of the operation of the Internet. Thus, KEMI may automatically collect and track:

  • The home server domain names, type of computing device, and type of web browsers for visitors to our website;
  • The pages of the website visitors access; and
  • Information on what websites the visitor has accessed.

We reserve the right to disclose personal data in special cases when we believe that disclosing information is necessary to identify, contact or bring legal action against someone who may be causing injury to or interference with KEMI Access Portals, other users of our KEMI Access Portals, anyone else who could be harmed by such activities, or where we are required to do so by court order or applicable law. We reserve the right to disclose personal data when we believe, in good faith, the law requires it.

WHAT WE SHARE

We DO NOT sell, lease or otherwise share any aggregate non-personably identifiable data or personal information about our visitors with or to any third-party companies or individuals. We do not provide customer information to persons or organizations outside KEMI that are doing business on KEMI’s behalf for their own marketing purposes.

Any information we gather through our online forms or information that you otherwise provide to us for purposes of conducting purpose or marketing will be used only for business or marketing purposes.  Such information will never be shared with unaffiliated third parties without your consent, except we may disclose your personal information if required to do so by law or in the good-faith belief that such action is necessary to: (a) conform to the edicts of the law or comply with legal process served on KEMI or its websites; (b) protect and defend the rights or property of KEMI; or (c) act to protect the personal safety of the employees of KEMI and other users of the website.

Use of Personal Data

Personal information provided by users may be used for marketing and informational purposes only by KEMI and affiliates. Except as otherwise noted, we may utilize third party providers for marketing and informational purposes on our behalf. KEMI does not rent, sell or otherwise distribute to third parties, your personal information entered using KEMI Access Portals. While we use all reasonable efforts to safeguard the confidentiality of your information, KEMI will have no liability for disclosure of any information obtained due to errors in transmission or the unauthorized acts of third parties.

CONTROL YOUR PERSONAL INFORMATION

We strive to provide users with access to their own personally identifying information that we maintain about them where possible. To view and change the personal information that we have about you, you can log in to your account and follow the instructions on that webpage or contact us directly by sending an email to communications@kemi.com.

In addition, if you do not wish for us to share your personal information with any third parties working on our behalf to serve our customers, please let us know by sending your request to communications@kemi.com. Please note that exercising these opt-out rights may limit your ability to receive the full range of our products and services.

We reserve the right to ask for information verifying your identity prior to disclosing any information to you.  Should we ask for verification, the information you provide to verify your identify will be used only for that purpose, and all copies of this information in our possession will be destroyed when the process is complete.

Promotional Communication

If you do not wish to receive promotional emails from us, please let us know by using the opt-out response device that can be found at the bottom of every email we deliver or by emailing us at communications@kemi.com. To help us process your request, please include sufficient information for us to identify you in our records (your email address will suffice).  Please allow a reasonable time for us to process your request. Please note that, although you can opt not to receive promotional messages, we reserve the right to send you informational email messages about any administrative notices regarding the KEMI Access Portals, as permitted under the CAN-SPAM Act (15 U.S.C. §7701 et seq.). 

CONFIDENTIALITY AND SECURITY

KEMI will use its best efforts to ensure that no unauthorized parties have access to any of your nonpublic personally identifiable information. We restrict access to nonpublic personal information about you to those individuals and entities who need to know that information in order to provide products or services to you. We will use our best efforts to train and oversee employees and those acting on behalf of KEMI to ensure that your information will be handled responsibly and in accordance with this Privacy Policy. We currently maintain physical, electronic and procedural safeguards to guard your nonpublic personal information.

Communications with KEMI Access Portals containing confidential information require that a “secure session” be established. Such communication between KEMI and its authorized users is encoded using Secure Sockets Layer (SSL) technology utilizing a minimum of 128-bit encryption.

CHILDREN’S PRIVACY

We believe that protecting the privacy of children is very important. KEMI Access Portals are not designed to attract individuals under the age of 18. In accordance with the Children’s Online Privacy Protection Act (COPPA), we do not collect or store any personal information, even in aggregate, about children under the age of 13. If we discover we have received any information from a child under the age of 13 in violation of this policy, we will delete that information immediately. If you believe that KEMI has any information from or about anyone under the age of 13, please contact us at the contact points specified below.

CALIFORNIA PRIVACY RIGHTS

California’s “Shine the Light” law permits users of the Site that are California residents to request certain information regarding our disclosure of PII to third parties for their direct marketing purposes. To make such a request, please contact us at the Contact Information provided below.

Data Retention

We will retain personal information while users maintain an account with us or to the extent necessary to provide the services through the KEMI Access Portals. Thereafter, we will keep personal information for as long as necessary: (i) to respond to any queries from users; (ii) to demonstrate we treated users fairly; (iii) for ordinary business continuity procedures; or (iv) to comply with any applicable laws. We delete personal information within a reasonable period after we no longer need the information for the purposes set out in this privacy policy.

LINKED SITES

KEMI Access Portals may contain links to various other websites. KEMI assumes no responsibility for the content or practices of websites linked through our access portals, and such linking should not suggest or imply any affiliation or endorsement by KEMI of the linked website. KEMI is not responsible for the privacy practices of such other websites. This privacy statement applies solely to information collected by KEMI Access Portals.

DO NOT TRACK DISCLOSURES

Some web browsers may transmit “do-not-track” signals to websites with which the browser communicates. Our Site does not honor these “do-not-track” signals.

SPAM

We do not participate in bulk email solicitations that you have not consented to receive (i.e., “Spam”). We do not sell or disclose user lists or email address lists to unrelated third parties. Except as otherwise provided herein, we do not share PII with any third-party advertisers.

BUSINESS TRANSITIONS

In the event KEMI goes through a business transition, such as a merger, being acquired by another company, or selling a portion of its assets, users’ personal information will, in most instances, be part of the assets transferred. Users will be notified via prominent notice on our website for 30 days prior to a change of ownership or control of their personal information. If, as a result of the business transition, the users’ personally identifiable information will be used in a manner different from that stated at the time of collection, they will be given a choice consistent with our “Revisions to this Policy” section.

INTERNATIONAL TRANSFERS; U.S. USE AND PURPOSE

Your information, including personal information, may be transferred to and maintained on computers located outside of your state, province, country, or other governmental jurisdiction where the data protection laws may differ than those from your jurisdiction.

If you are located outside the United States and choose to provide information to us, please note we transfer your information, including personal information, to the United States and process it there. Your submission of information to us represents your consent to that transfer. Please note the EU has not adopted an adequacy decision with respect to data transfers to the United States, nor are we a participant in the EU-US Privacy Shield; however, we value your privacy and protect your data using reasonable information security practices.

REVISIONS TO THIS POLICY

KEMI reserves the right to periodically revise this policy. Please check www.kemi.com periodically for changes. The document revision date displayed below will indicate when this policy was last revised.

We will use information in accordance with the privacy policy under which the information was collected. If, however, we are going to use users’ personally identifiable information in a manner different from that stated at the time of collection, we will notify users via email. Users will have a choice as to whether or not we use their information in this different manner. However, if users have opted out of all communication with the site, or deleted/deactivated their account, then they will not be contacted, nor will their personal information be used in this new manner. In addition, if we make any material changes in our privacy practices that do not affect user information already stored in our database, we will post a prominent notice on our website notifying users of the change. In some cases where we provide a notice we will also email users, who have opted to receive communications from us, notifying them of the changes in our privacy practices.

CONTACT INFORMATION

KEMI Access Portals are operated by KEMI, which may be contacted by e-mail at customerservice@kemi.com or by regular mail at 250 West Main Street, Suite 900, Lexington, KY 40507.

Questions about this privacy policy should be directed to KEMI at legalnotices@kemi.com

Questions about our products or services should not be directed to this address and will not be replied to.

Please use this contact information only for legal and privacy policy matters. For all other inquiries, refer to the Contact Us section of our home page.

This document was last revised on 12/13/2021.

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