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About


PRIVACY POLICY




GUY CARPENTER PRIVACY POLICY

This Privacy Policy covers the information practices of www.guycarpenter.com
(the “Site”) provided by Guy Carpenter & Company, LLC ("Guy Carpenter").

To notify you about our practices, we have developed this Privacy Policy, and
personal information collected on or through this Site on our behalf will be
treated in accordance with this Privacy Policy. By using this Site you consent
to the use, storage and processing of your personal information and other
information stored on this Site or submitted by you on or through this Site in
accordance with this Privacy Policy as set out in detail below.

This Privacy Policy is subject to the Site’s Terms & Conditions (the “Terms”).

We use cookies on this Site. Cookies are pieces of information shared between
your web browser and a website. For more information on how we use cookies,
types of cookies that we use and how to opt out of cookies, please see
the website navigational information and cookies sections below.

You have the right to access personal information held about you, and may do so
by contacting us at our contact details on the Site or by contacting your local
Guy Carpenter office. In accordance with the local applicable laws of your
jurisdiction, any such access request may be subject to a fee to meet our costs
in providing you with details of the personal information that we hold about
you.

Privacy Notice California Consumer Protection Act

Data Privacy Policy Mexico/Aviso de Privacidad México

Data Privacy Policy Colombia/Aviso de Privacidad Colombia

Colombia - Data Privacy Manual

Colombia - 2016 Financial Statements

Data Privacy Policy - Australia

Fair Processing Notice for EEA & UK Residents

Guy Carpenter Protection of Personal Information for South African Residents

Guy Carpenter Access to Information Manual for South African Residents

Data Privacy Policy – Brazil / Política de Privacidade – Brasil

Guy Carpenter China Privacy Notice


COLLECTION, USE AND DISCLOSURE OF PERSONAL INFORMATION

The information gathered by Guy Carpenter 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.

(1) Information voluntarily provided by you

When using this Site, you may choose to provide us with information to help us
serve your needs.  The personal information that we collect will depend on how
you choose to use this Site.

(2) Where your make an online employment application

We may ask you for your name, e-mail address, country, telephone number, as well
as information about your position and organization and such other information
as is reasonably necessary. Any personal information that you send us will be
used only for the purpose indicated on the Site or in this Privacy Policy, and
in accordance with the 'Privacy Agreement' you will be requested to accept when
making the online application.

(3) Tracking/Website Navigational Information

As you navigate the Site, we may also collect information through the use of
commonly-used information-gathering tools, such as cookies and web beacons
(collectively “Website Navigational Information”). Website Navigational
Information includes standard information from your web browser (such as browser
type and browser language), your Internet Protocol (“IP”) address, and the
actions you take on the Site (such as the web pages viewed and the links
clicked).  We describe this Website Navigational Information in more detail
below.


WEBSITE NAVIGATIONAL INFORMATION

Cookies

Like many companies, we may use cookies on this Site. Use of cookies enables a
faster and easier experience for the user. The only personal information a
cookie can contain is information you supply. A cookie cannot read data off your
computer's hard drive.

There are different kinds of cookies with different functions:

(i) Session cookies: these are only stored on your computer during your web
session. They are automatically deleted when the browser is closed.  They
usually store an anonymous session ID allowing you to browse a website without
having to log in to each page. They do not collect any information from your
computer.

(ii) Persistent cookies - a persistent cookie is one stored as a file on your
computer, and it remains there when you close your web browser. The cookie can
be read by the website that created it when you visit that website again.

(iii) First-party cookies: the function of this type of cookie is to retain your
preferences for a particular website. They are stored and sent between the
server and your computer’s hard drive. They are not used for anything other than
for personalization as set by you.

We never use third-party or unsatisfactory cookies on our Sites, although we do
use third party provided web beacons (please see the section on Web Beacons).

For information on all of these categories of cookies, and for more information
generally on cookies please refer to aboutcookies.org. We may use cookies for
the following purposes:

Where strictly necessary

These cookies are essential in order to enable you to move around the Site and
use its features, such as accessing secure areas of the Site. Without these
cookies, services you have requested cannot be provided. These cookies do not
gather information about you that could be used for marketing or remembering
where you have been on the internet.

Performance

These cookies collect information about how visitors use a Site, for instance
which pages visitors go to most often, and if they get error messages from web
pages.  They also allow us to record and count the number of visitors to the
Site, all of which enables us to see how visitors use the Site in order to
improve the way that our Site works.  These cookies do not collect information
that identifies a visitor, as all information these cookies collect is anonymous
and is only used to improve how our Site works.

Functionality

These cookies allow our Site to remember choices you make (such as your user
name, language or the region you are in) and provide enhanced features. For
instance, a Site may be able to remember your log in details, so that you do not
have to repeatedly sign in to your account when using a particular device to
access our Site. These cookies can also be used to remember changes you have
made to text size, font and other parts of web pages that you can customize.
They may also be used to provide services you have requested such as viewing a
video or commenting on an article. The information these cookies collect is
usually anonymized. They do not gather any information about you that could be
used for advertising or remember where you have been on the internet.

Please consult your web browser's 'Help' documentation or visit
aboutcookies.org. for more information about how to turn cookies on and off for
your browser.

We use Google Analytics to help us collate Site statistics. For further details
on the cookies set by Google Analytics, please refer to the Google Code website.

Web Beacons

This Site may also use web beacons (including web beacons supplied or provided
by third parties) alone or in conjunction with cookies to compile information
about users’ usage of the Site and interaction with e-mails from Guy Carpenter.
Web beacons are clear electronic images that can recognize certain types of
information on your computer, such as cookies, when you viewed a particular Site
tied to the web beacon, and a description of a Site tied to the web beacon. We
use web beacons to operate and improve the Site and e-mail communications.   We
may use information from web beacons in combination with other data we have
about our clients to provide you with information about Guy Carpenter and our
services.

IP Addresses

When you visit our Site, Guy Carpenter collects your Internet Protocol (“IP”)
addresses to track and aggregate non-personal information. For example, Guy
Carpenter uses IP addresses to monitor the regions from which users navigate the
Site.


DISCLOSURE OR USE OF YOUR INFORMATION

We will not exchange or sell or otherwise distribute your personal information
outside the Marsh & McLennan Companies, Inc. group ("MMCo") without your consent
except in accordance with your instructions (including providing the services
you have contracted with us to provide to you) or as identified in this Privacy
Policy.  This Privacy Policy is not applicable to personal information that is
already in the public domain, or that has been received independently from a
third party on the understanding that the individuals to whom the personal
information relates have been informed of the reason(s) for obtaining the
personal information and the fact that it may be disclosed to third parties such
as MMCo.

We may use or distribute your personal information to the extent required by
law, and as described below:

(i) Providing Services. In the normal course of performing services for our
clients, personal information may be shared within MMCo for research and
statistical purposes, system administration and crime prevention or detection.
When you supply us with information containing third party personal information
(names, addresses, or other information relating to living individuals), we will
hold and use that personal information to perform services for you on the
understanding that the individuals to whom the personal information relates have
been informed of the reason(s) for obtaining the personal information and the
fact that it may be disclosed to third parties such as MMCo.

(ii) Agents and Service Providers. We sometimes contract with other companies
and individuals to perform functions or services on our behalf, such as hosting
this Site, sending e-mail messages and making phone calls on our behalf. They
may have access to personal information, such as addresses, needed to perform
their functions, but are restricted from using it for purposes other than
providing services for Guy Carpenter.  

(iii) Business Transfers. As we continue to develop our business, we might sell
or buy assets. In such transactions, user information, including personal
information, generally is one of the transferred business assets. Also, if
either Guy Carpenter itself or substantially all of its assets were acquired,
your personal information may be one of the transferred assets. Therefore, we
may disclose and/or transfer your personal information to a third party
purchaser in these circumstances.

(iv) Legal Matters. Guy Carpenter may preserve and has the right to disclose
without your prior permission any personal information about you or your use of
this Site if Guy Carpenter has a good faith belief that such action is necessary
to: (a) protect and defend the rights, property or safety of MMCo, employees,
other users of this Site, or the public; (b) enforce the terms and conditions
that apply to use of this Site; or (c) respond to claims that any content
violates the rights of third-parties. We may also disclose personal information
as we deem necessary to satisfy any applicable law, regulation, legal process or
governmental request.


TRANSFERRING INFORMATION OVERSEAS

Your personal information may be transferred to any country, including countries
outside the European Economic Area (“EEA”), which do not have as robust a data
protection regime as those countries within the EEA, to achieve any of the
purposes stated above and for systems administration.

If you submit any personal information relating to another person on or through
the Site to Guy Carpenter and such personal information is protected by another
state or country, you will be responsible for compliance with the applicable
laws in so far as they relate to your right to use such personal information,
your transfer of it to Guy Carpenter, Guy Carpenter’s storage of that personal
information in electronic form on the Site and use of that personal information
in performing services for your organization in accordance with this Privacy
Policy.


UPDATING YOUR PERSONAL INFORMATION

It is important that the personal information that we hold about you is
accurate, complete and up to date.If any of your details change, you can update
us via our contact details on the Site.


EXTERNAL LINKS

Guy Carpenter may include links to other websites whose privacy policies we do
not control. Once you leave our servers (you can tell where you are by checking
the URL in the location bar on your web browser), use of any personal
information you provide is governed by the privacy policy of the operator of the
website you are visiting. That policy may differ from ours. If you can't find
the privacy policy of any of these websites via a link from the website's
homepage, you should contact the website directly for more information.


SECURITY

We have in place physical, electronic, and procedural safeguards appropriate to
the sensitivity of the personal information we collect, use, and maintain.
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 personal information you supply will not be intercepted while
being transmitted to us over the internet. We ask that you do your part by
maintaining in strict confidence any computer passwords you use to access the
Internet or this Site.  We encourage responsible reporting of any
vulnerabilities that may be found in our Site or any application available
through our Site.


INFORMATION RELATED TO EMPLOYMENT

This Site may provide an opportunity to submit your curriculum vitae or an
application form to us or to apply for a position through this Site. If you
submit information for such purposes, we will use (which may include
transferring) the personal information you provide to evaluate your
qualifications and contact you regarding any positions at Guy Carpenter or any
of its affiliated companies in which we believe you may be interested.


PRIVACY POLICY UPDATES

This Privacy Policy was last updated on February 2020. 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

Privacy Policy Questions regarding this Privacy Policy should be directed to us
via our contact details on the Site.

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