www.physiciansmutual.com Open in urlscan Pro
66.119.118.64  Public Scan

Submitted URL: http://click.email.physiciansmutual.com/?qs=b2181b9db35cf85b71ea81f489426b0ea7925427f7f3466e1ba0e751957ba4622e4694000f1c3372093fbe2e2640...
Effective URL: https://www.physiciansmutual.com/web/home?showPrivacy=true&utm_source=pmic&utm_medium=email&utm_campaign=ag&utm_content=MSUP_EML_...
Submission: On August 16 via api from US — Scanned from DE

Form analysis 2 forms found in the DOM

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PRIVACY POLICY

Privacy Policy | Terms of Use | Identity Theft and Fraud | Computer Security
Tips


PRIVACY POLICY

The Physicians Mutual family is dedicated to protecting your privacy. That’s why
we want to clearly outline what information we gather and how we ensure its
security.


WHAT INFORMATION WE COLLECT AND WHY

Rest assured, any information you provide is strictly confidential. We simply
want to offer you services and features to better meet your needs. That’s why we
may ask for:

 * General personal information (such as your age, ZIP Code or state of
   residence) — in order to provide you with the correct information on our
   insurance coverage. Since products can vary by state, we want you to have the
   most accurate information available. In addition, this allows us to tailor
   the coverage options just for you.
 * Basic personal information (such as your name, address, phone number and
   email address) — by providing us with this information, you agree to receive
   promotional offers and announcements, as well as company information. If you
   no longer wish to receive information from us, you may contact us at
   1-800-228-91001-800-228-9100. For emails, you may select the unsubscribe link
   found at the bottom of all of our emails.

   When you provide us with your telephone number we may send text messages
   containing marketing information, notifications, reminders, tips and links.
   Standard data and message rates may apply. You can reply STOP to these
   messages at any time to stop receiving them.

 * Sensitive personal information (such as medical information, insurance policy
   number and bank account) — in order to provide you with accurate insurance
   quotes or to allow you to access your account with us. This also lets you pay
   your bill online.


HOW YOUR INFORMATION IS PROTECTED

We want you to feel as safe as possible on our website. That’s why we operate
under a strict Code of Ethics and a rigorous Information Security Program, both
of which are subject to regular examinations and updates.

Our Code of Ethics requires confidential treatment of your personal information.
Only those individuals who provide the products or services you might need are
authorized to have access to your information. Any associate with access to
information must complete privacy and information security training. We will not
sell your information to other marketing, mailing list or telemarketing
companies.

Our Information Security Program allows us to maintain physical, electronic and
procedural safeguards to help protect you from unauthorized access to your
personal information. Your information remains secure because our computer
systems are protected with:

 * Firewalls, intrusion prevention systems and virtual private networks (VPNs) —
   technologies that protect our network from Internet attacks and unauthorized
   access.
 * Secure transmissions and encryption — technologies that ensure information
   remains confidential as it travels over the Internet. We use Secure Socket
   Layer (SSL) to transmit information. This protects data in three ways:
   1. Ensures that you are communicating with us, and prevents another computer
      from impersonating our Company.
   2. Scrambles transferred data so it cannot be read by unauthorized parties.
   3. Verifies the information is not altered during the transfer.
 * Malware protection — technology that detects and prevents viruses, worms,
   Trojans and other forms of Malware from entering our computers.


COOKIES AND OTHER TRACKING INFORMATION

We use cookie technology and other tracking technologies for the following:

 * To gather statistical data, such as the pages you visit within our website,
   what you download, and which sites you go to right before and after our
   website. We then combine and analyze this information with data we gathered
   from other visitors, so we can provide you with a better experience.
 * To remember general details about your visit, so we can enhance your
   experience on our website.
 * To understand how people use our site and enhance features which are used the
   most.
 * To send marketing material from us or our business partners, based on your
   visit to our website. This material may be sent via regular mail or email.
 * To combine with other third-party data to provide you with advertising based
   on this data.
 * To gather information about your activities on this site in order to provide
   you advertising based upon your past browsing activities and interests on
   this site. If you do not want this information used for the purpose of
   serving your interest-based retargeting ads, you may opt-out by visiting
   http://www.networkadvertising.org/managing/opt_out.asp

Your Choices and Rights: You always have the choice on how much information to
give us. But keep in mind, opting out of even general personal information may
mean you have limited access to some of our website’s features and product
information. It can also limit our ability to respond to your needs. You can
also choose to accept or decline cookies. Most browsers automatically accept
cookies. If you would like your browser to automatically decline cookies, go to
your browser’s “Help” menu to learn how to change your cookie preferences.


HOW TO GET ADDITIONAL INFORMATION

For more details on how to be secure online, review our computer security tips.
Also be sure to review our Terms of Use section for valuable information on how
to use our site.

Back to Top


TERMS OF USE

We want all of our website visitors to enjoy their experience. Please read this
information carefully so you get the most out of your visit. Keep in mind, by
using or accessing our site, you agree to the following:

 * This website is intended for a United States audience. If you live outside of
   the United States, or in jurisdictions in which we are not licensed to do
   business, you may see information about products that are not offered in your
   jurisdiction.
 * Product information, state availability and limitations change on a
   continuous basis. The information we provide on this website is to be used as
   a guide only. It is not intended to be a solicitation or offer for sale. The
   insurance policy itself is the governing document that sets forth the
   coverage, limitations and exclusions.
 * All logos, service marks and trademarks remain the property of the Physicians
   Mutual family and are protected by all applicable trade laws. Removal or
   reproduction of any kind is strictly prohibited without prior written consent
   of the Company.
 * No materials from this website may be copied, reproduced, republished,
   uploaded, posted, transmitted, hyperlinked or distributed in any way without
   our prior written consent. You may download material displayed on this
   website for your personal use only and provided you do not remove any
   copyright and other proprietary notices. You may not modify or use the
   content of this website for public or commercial purposes without prior
   written consent of the Company.
 * You are not allowed to post on or transmit to or from this website any
   content that could give rise to civil or criminal liability under the law.
   Use of the Internet itself is solely at your own risk. We will not be liable
   for any loss resulting from things we cannot control, such as, but not
   limited to, electronic or technical failure, computer viruses, unauthorized
   use, operator error, natural disasters or governmental restrictions.
 * You agree to indemnify us (Physicians Mutual®, its officers, directors,
   employees, agents, licensors, suppliers and third party information
   providers) when you use this site from and against all losses, expenses,
   damages and costs, including reasonable attorney fees resulting from any
   violation of this agreement by you.
 * This site may contain links to other third party sites for supplemental
   information or services of interest. We cannot be held responsible for the
   content or accuracy and do not endorse these unless specifically stated.
 * Personal information transmitted to us will be treated in accordance with our
   stated Privacy Policy.

If you have any specific questions or concerns not addressed here, please
contact us. Thank you — we look forward to serving your needs.

Back to Top


IDENTITY THEFT AND FRAUD

The most important thing you can do is to be careful with your personal
information. Only share personal information after you have validated the need
to share the information, and after you have validated the source. Always
discard personal information when you no longer need it. To protect yourself,
always shred documentation that contains personal information before you throw
it away. Our Company shreds all paper documentation and destroys all electronic
information to exacting standards before it is discarded.

To further protect yourself from identity theft and fraud, please read the below
guidelines and the section called Computer Security Tips.


POSTAL SCAMS

Fraudsters send mail that looks like it came from a legitimate company. The
letter often looks very official and could even contain personal information. In
some cases, the bogus mail will instruct you to call a phone number or
send/return personal information.

If you receive a letter, and do not recognize the sender, simply discard it. If
you recognize the sender, but are uncertain what to do simply call the business
by obtaining the phone number from a well-recognized directory. You can also
call your local Better Business Bureau.


EMAIL SCAMS

Online fraudsters often send emails instructing you to click on a link that will
take you to a website that looks identical to the real website. Never open an
email or click on a link if you are suspicious of the sender. It is always safer
to type in the address of a link into your Internet browser.

To help prevent email scams, it is important to use email or have software that
prevents spam. You should also have software or a browser that has a "phishing
filter." A phishing filter will help prevent you from being directed to a bogus
website that looks identical to the real one. All protective software should be
updated on a regular basis.

Our Company will never send you an email requesting you to reply with your
personal information.


WEBSITE AND POP-UP SCAMS

Online fraudsters are able to force a "pop-up" to appear on your screen or
re-direct you to another bogus website. Fraudsters are hoping you will give up
your personal or account information. They do this by making the message sound
important or urgent for you to reply as soon as possible. If you provide your
information, they will be able to steal it and use it to commit fraud (identity
theft).

To help prevent online scams, it is important to use a browser that has software
that will help prevent pop-ups and provides a phishing filter.


PHONE SCAMS

Fraudsters often call and pretend to be from a familiar company, that you won
the lottery or that you are needed to help transfer money. They will use common
personal information that is a matter of public record and try and make the
context of the call sound very important and convincing. They are even able to
modify the Caller ID, to make you think the phone number is legitimate.


WHAT TO DO IF YOU ARE A VICTIM OF IDENTITY FRAUD OR THEFT

Contact us immediately at 1-800-228-91001-800-228-9100 if:

 * You notice suspicious activity with your account
 * You have been a victim of identity theft or fraud

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COMPUTER SECURITY TIPS

Your computer is your first line of defense on the Internet, and with just a
couple of tools and some diligence, you can greatly improve your security.


YOUR OPERATING SYSTEM AND INTERNET BROWSER

The first step to online security is to keep you computer operating system and
Internet browser up-to-date.

If your computer is more than three-years-old, its operating system (such as
Microsoft Windows 98 or Macintosh OS 8) and Internet browser may not offer the
same level of protection as newer ones (such as Windows 7 or Macintosh OS X).

Download updates as soon as you're notified that one is available.


PREVENT MALWARE

Malware is a term for malicious software which includes spyware, viruses,
Trojans, worms, adware and pop-ups. To protect yourself from malware:

 * Install an anti-spyware protection program that detects and removes spyware
 * Install an anti-virus program that detects and removes viruses and other
   forms of malware
 * Check to make sure your anti-spyware or anti-virus protection program also
   protects you from adware and pop-ups
 * Avoid downloading programs from unknown sources

These programs need to be updated on a regular basis to protect your computer
from new malware. Download these updates as soon as you're notified that one is
available.


PERSONAL FIREWALL

A firewall is a program that acts as a barrier to protect your computer from
offensive websites and hackers.

For maximum online safety, install a personal firewall, especially if you have a
wireless or broadband connection to the Internet (such as a cable modem or DSL
connection). Some of the newer operating systems have a built in firewall. Check
to see if yours already includes a firewall prior to purchasing a separate one.


PASSWORDS

It is a good idea to have a different username and password for all your
accounts. This will help lesson the chance that multiple accounts can be
breached if any one of your accounts is accessed by a hacker.

You should also keep passwords as impersonal as possible. Passwords that contain
personal information are not as secure as more random information. That's why
you should:

 * Never use any part of your username or personal information as your password
   (such as your name, Social Security number, date of birth, or family member's
   or friend's name)
 * Always include a combination of letters, numbers and special characters (such
   as @, %, & and #)

It is best to memorize your password and not to write them down. If it is
necessary to write down your password, keep it in a secure location. Also,
change your passwords at least once a year, if not more.


EMAIL SECURITY

It is very important to be wary of suspicious emails … and to never open, click
on, or respond to one. To ensure maximum email security, make sure you:

 * Carefully review any email requesting your username, password or account
   information, particularly if the email states the information is needed to
   award a prize or verify a statement.
 * Delete any email that seems suspicious or is from an unknown source.
 * Open email attachments only if you know the sender. It is best to scan
   attachments with your anti- virus software prior to opening.
 * Avoid clicking on links provided in emails. It is always safer to type the
   address into your Internet browser.
 * Never open email attachments that have file endings of .exe, .pif, or .vbs.
   These are file extensions for executables, and are usually dangerous files.
   Any file that appears to have a double extension, like "heythere.doc.pif"
   should also never be opened.
 * Be careful and selective before providing your email address to a
   questionable website. Sharing your email address makes you more likely to
   receive fraudulent emails.
 * Confirm requests for personal or account information by going to the
   company's website directly. Open a new browser window, type the Web address,
   and check to see if you must actually perform any activity that an email may
   be asking you to do, such as change a password.


ONLINE SECURITY

To protect yourself online, make sure the Web page you are viewing offers
encryption of your data. You can tell a site is secure when:

 * A lock symbol appears in the lower right-hand corner of your browser window.
   You can verify secure sites by double-clicking on the lock icon and reading
   the site information in the box that appears.
 * The Web address begins with "https://" — the "s" indicates "secured" and
   means the page uses encryption.

For additional online security, make sure you:

 * Leave suspicious sites. If a website does not appear to be what you expected,
   leave immediately.
 * Protect your personal and account information. Cyber criminals try to trick
   you by creating sites that look similar to real sites. The best way to know
   who you are dealing with is to type the address in your browser address bar.
 * Report fraud immediately, change your passwords, and continually monitor your
   account activity if you think you may have provided personal or account
   information in response to a fraudulent email or website.
 * Read and familiarize yourself with the site's Privacy Policy and legal
   disclosures.
 * Always logout/sign off from your online session.

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