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PRIVACY
AND SECURITY STATEMENT This
privacy and security statement discloses the privacy and security
practices for the Pennsylvania Compensation Rating Bureau/Delaware
Compensation Rating Bureau, Inc. (PCRB/DCRB).
We are committed to protecting the privacy of confidential
information in our possession. Information
Collection and Use PCRB/DCRB
are the sole owners of the information collected on this site.
We will not sell, share, or rent this information to others in
ways different from what is disclosed in this statement. PCRB/DCRB
collect personally identifiable information (information not otherwise
available for public viewing), when you register for PCRB/DCRB accounts
or when you complete and/or submit Financial Data Reporting Application
information. This
information is used to contact you, the member, about changes to the
service and to provide a method for the PCRB/DCRB or the Insurance
Department to contact the member for communications regarding the
Financial Data Reporting Application or the Financial Data Incentive
Program. PCRB/DCRB
also automatically records information on our server logs detailing user
activity. Registration In
order to access members-only features of this website, users must
complete a registration form. During
registration a user is required to give their contact information such
as the name of a main contact person for their company, e-mail address
of the contact person, address, phone number and User ID and Password. A Password will either be assigned by the PCRB/DCRB or by the
Application. Sharing Personally
identifiable or sensitive information provided to the PCRB/DCRB at this
site is not disclosed to third parties.
However, from time to time, the PCRB/DCRB may be required by law
to disclose personally identifiable, sensitive, non-public financial and
insurance claims information to third parties in response to subpoenas,
court orders, legal process or in response to the requests of the State
Insurance Regulator. In the
event that disclosure of
such information is required, the member will be notified of the
disclosure within a reasonable timeframe, and PCRB/DCRB will disclose to
the party or parties receiving the information that the member has been
notified of the disclosure. The
functions of the PCRB/DCRB include compiling financial data, classifying
employers and proposing underwriting rules, policy forms, loss cost
values and rating plans for workers compensation within their states.
In order to carry out this function, aggregated insurance and
financial data is compiled into various categories and reports.
We will share that aggregated insurance and financial data with
the State Insurance Regulator, our members, and the public.
This aggregated information is otherwise not linked to any
personally identifiable, sensitive information, except where expressly
requested by the State Insurance Regulator. Cookies A
cookie is a small text file stored on the user’s hard drive containing
non-personal information about the user that the website uses to
recognize repeat visitors, facilitate the user’s ongoing access to and
use of the site and allow a site to track usage behavior and compile
aggregate data that will allow content improvements.
Usage of a cookie is in no way linked to any personally
identifiable information while on our site.
Once the user closes the browser, the cookie simply terminates.
Cookies are not programs that come onto a user’s system and
damage files. Cookies work
by assigning a unique number to the user that has no meaning outside the
assigning site. If a user
does not want information collected through the use of cookies, there is
a simple procedure in most browsers that allows the user to deny or
accept the cookie feature; however, users should note that cookies are
necessary in order for some applications to function properly. Links This
website contains links to other sites.
Please be aware that PCRB/DCRB are not responsible for the
privacy and security practices of such other sites.
We encourage our users to be aware when they leave our site and
to read the privacy statements of each and every website that collects
personally identifiable information.
This privacy statement applies solely to information collected by
this website. Security This
website takes every precaution to protect our users' information.
When users submit sensitive information via the website, your
information is protected both online and off-line. The
website was developed to support secure transactions employing socket
layer (SSL) technology; using 128 Bit encryption.
This technology works best when the site is viewed using
Microsoft’s Internet Explorer or Netscape Navigator.
All information that you provide during the site usage is
encrypted for your protection. (You
will know that you are in an encrypted area when you see a solid key
icon when using Netscape Navigator or a closed lock icon when using
Internet Explorer.) This
site is also secured by firewalls to ensure that no unauthorized access
is permitted. Firewalls are
an additional safety method that guarantee that only people who know
your ID and Password are able to access your account.
You will be required to enter your private User ID and Password
each time you access various Bureau applications.
You should make sure that you do not share this information with others.
The
Secure Site Seal indicates that a digital certificate has been acquired
ensuring the secure exchange of encryption keys between your browser and
the PCRB/DCRB web server. Encryption Encryption
is the process of transforming meaningful information into coded
language. Before any
information is transmitted, it is transformed into an unrecognizable
string of characters - to protect the privacy of the information as it
is transmitted over the internet. Correction/Updating
Personal Information If
a user's personally identifiable contact information changes, if a
member no longer desires our service, or if a member would like to
disable a user, we will endeavor to provide a way to correct, update or
remove that user's personal data provided to us.
Requests
to change or update personal information or to change or disable a user
are handled differently for each specific Application. In the Financial Data Reporting Application, they should be
made by completing the change of contact information form provided in
the Application. Changes
for those registered for the Rating and Underwriting Reference can be
made via the link provided in that Application or by sending an e-mail
detailing your request to support@pcrb.com. Notification
of Changes If
we change our privacy policy, we will post those changes on our website
so our users are always aware of what information we collect, how we use
it, and under what circumstances, if any, we will disclose it. If at any point we decide to use personally identifiable
information in a manner different from that stated at the time it was
collected, we will notify our users in advance.
Users will have a choice as to whether or not we use their
information in this different manner.
Otherwise, we will use information only in accordance with the
privacy policy under which the information was collected. Contact
Information If
you have questions or concerns about this privacy and security
statement, you should contact:
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