Last Modified: January1, 2020– Effective Date: January1, 2020
Lawyers’ Mutual Insurance Company (“Lawyers’ Mutual”, “us”, “we”, or “our”) knows that you care how information about you is used and shared. Lawyers’ Mutual wants you to know, and assures you that Lawyers’ Mutual does not sell your information to anyone.
Information We Collect
Lawyers’ Mutual may collect certain personally information about you in order to provide and improve our Services to you.
“Personal Information” means data about a particular individual or household that identifies, relates to, describes, could be reasonably linked with, or could be used to identify that person or household (or from those and other information either in our possession or likely to come into our possession). It may also include other information that may be associated with your Personal Information, such as Generic Information (defined below), location, preferences or interests, if that information can be used to identify you, your household, or your device.
Personal Information: Lawyers’ Mutual may collect the following “Personal Information” about you when you use our Services: your name, mailing address, phone number, email address, Internet Protocol address (“IP address”), age, education information, professional/practice information such as your California Bar information and area of practice,Social Security number, and information required to process claims made under LMIC policies. Lawyers’ Mutual may also requestyour bank account information and billing address when you provide Lawyers’ Mutual with such information, such as when you pay your premiums or register for CLEs on our Website. We will also collect your email address and a password that you choose when you create a personal “LMIC CLE Account” with the Website.
Please note that all credit card information related to any transaction with Lawyers’ Mutual is collected processed by our third party payment processing vendors, and is not directly collected or retained by Lawyers’ Mutual.
Usage Data. We may also collect information on how you access and use our Services (“Usage Data”). This Usage Data may include information such as your computer’s Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our Services that you visit, the time and date of your visit, the time spent on those pages, unique device identifiers and other diagnostic data.
Generic Information. This information may include Usage Data and other aggregate usage metrics such as total number of Website visitors, pages viewed, and usage patterns within the Website, etc. This may also include information about your device. We may automatically gather some Generic Information from our members, customers, and Website visitors.
At times, Generic Information and Usage Data may qualify as Personal Information, either by itself or when combined with other information that may identify you..
Personal Information Collected over the Last 12 Months
Lawyers’ Mutual has not collected any additional types of Personal Information from our members and visitors over the last 12 months other than those listed above.
Generic Information: this includes information that does not, by itself, identify you. Generic Information may include data that relates to Website pages viewed and their duration, your IP address information, your browser or operating system information, or other information that relates to your interaction with our Website. In some situations, Generic Information may be used or combined in a way that it identifies you. In those situations, such information will be treated like Personal Information.
Cookies & Tracking Data: The Website may use third party products and services to gather anonymous traffic statistics using cookies and web beacons. A cookie is a small piece of information stored on your device that helps websites and multiple servers recognize you. Lawyers’ Mutual and its third party service providers may also use other tracking technologies such as pixels, or transparent GIF files, for web site management and user tracking.
Some of the cookies we use are “strictly necessary” for the functionality of our Websites. Others improve the functionality of our Websites but are not strictly necessary. Some cookies help improve the performance of our Websites (such as by gathering analytic data), while others help provide targeted services to you (like ads that you may be interested in).
Examples of cookies we use include:
Session Cookies. We use Session Cookies to operate our Services. Session cookies are temporary, and are automatically deleted once you close your Internet browser.
Preference Cookies. We use Preference Cookies to remember your preferences and various settings. Preference cookies are first party cookies that remain on your computer or device until you delete them or they are otherwise removed upon expiration.
Pixel Tags, Web Beacons, and Transparent GIFs. Lawyers’ Mutual may use pixel tags, web beacons, transparent gifs or other similar technology to measure response to our communications, track traffic origination, and improve our web pages. Pixel tags and web beacons are tiny graphic images placed on website pages or in emails that allow us to determine whether you have performed a specific action. When you access these pages or open or click an email, the pixel tags and web beacons generate a notice of that action. .
Other Technologies.We collect many different types of information from other technologies to improve the quality of our Website and the services we provide. For example, we may collect Usage Data and other information about the device you use to access our Website, your operating system and/or mobile device type, browser type, domain, and other system settings, as well as the language your system uses and the country and time zone where your device is located. We may record the IP address of the device you use to connect to the Internet.
Your Cookie Choices
How We Collect Your Information
Lawyers’ Mutual collects your information in a few ways: there is information that you give us, information we obtains through your use of our Services – including when you apply for coverage, make a claim, or our Website – and information we obtain from third parties.
Information You Give Us
We collect information that you decide to share with us. At times, we may require you to provide certain information – including Personal Information – in order to use certain parts of our Website, fulfill your requests with us, or provide you with certain Services. For instance, we will require you to provide your name, address, and payment card information when you make a payment through our Website. We may require you to provide your name, email address or other contact information when you contact us with a question or comment. If you establish aaccount with us, we may require you to provide your name, California Bar information, an email address and telephone number, and create a password to create your account.
Information We Obtain When You Use Our Services
We collect certain information from you through your use of our Services, such as Website usage data and other Generic information. For instance, in using our Website, we may collect information about the device you use to log into, access, and use the Website. We may collect other Generic Information in relation to how you use our Website or other Services (for example, aggregate metrics on how often certain pages on our Website are accessed and viewed).
We also may collect information through the use of cookie, pixel tags, or other technologies, as described above.
Information We Obtain from Other Sources / Third Parties
We may obtain information about you from third parties who help us provide our Services to you. For example, we may obtain information about CLEs you have enrolled in or attended from our CLE partners, and information related to claims that you may file with us as part of your coverage.
The categories of third parties we receive Personal Information from include:
Bar Associations or event planners, who may share the names and email addresses of CLE attendees with us
Insurers in relation to cyber claims that you may make through our complementary cyber insurance coverage
Member premium finance providers (as applicable), in relation to your annual coverage payment
How We Use Your Information
Business & Other Purposes for Collection
Lawyers’ Mutualcollects, processes, and uses your information to provide the Services that Lawyers’ Mutual makes available to you. We therefore collect your information for a variety of reasons, including:
To perform a contract with you – including processing and fulfilling your requests for coverage with Lawyers’ Mutualor process claims you have made.
You have otherwise given us permission to do so – for example, when you sign up for coverage with Lawyers’ Mutual, we will collect and process your information to evaluate your application.
To facilitate our business purposes in relation to the Services that we provide to you. These operational purposes may include but are not limited to:
Undertaking tasks related to the operations of our Website, including the placement of ads and/or providing customized content to our users;
Maintenance and improvement of our Services, including the Website;
Detecting security incidents; and
Debugging our Services.
The collection is otherwise related to providing our Services to you. For example, we may collect your information:
To provide member support to you and our other members, members, and visitors.
To gather analysis or valuable information so that we can improve our Services.
To monitor the usage of our Services.
To detect, prevent and address technical issues.
To provide you with news (for instance, via our newsletter), special offers, marketing or promotional materials, and general information about other services, products,CLEs and events which we offer that are similar to those that you have already purchased or enquired, or which we believe may be of interest to you, unless you have opted not to receive such information. You may opt out of receiving any, or all, of these communications from us by contacting us at the contact information listed below, or by following the “unsubscribe” links in such email messages.
We may also use “automatically collected” information and “cookies” information to:
personalize our services, such as remembering your information so that you will not have to re-enter it during your visit or the next time you visit the Website;
monitor and analyze the our effectiveness and third party marketing activities; and
monitor aggregate usage metrics such as total number of visitors, pages viewed, etc.
How We Disclose or Share Your Information
Why We Disclose Your Information
Lawyers’ Mutual may share members’Personal Information provided to Lawyers’ Mutual with third parties who provide services and products to Lawyers’ Mutual. Examples of ways in which your information may be used include, but are not limited to, the following:
Coverage Application and ClaimsFulfillment– for instance, we will share your name and address with the entities that help us process your application for coverage or otherwise process your claims.
Marketing activities including direct mail and e-mail marketing efforts
Database cleaning and maintenance, and analysis
Member experience enhancements, including providing free MCLEs, complementary cyber coverage, and other membership benefits as part of your relationship with Lawyers’ Mutual
To investigate, protect against and help prosecute individuals responsible for malicious, deceptive, fraudulent, or illegal activity involving or affecting Lawyers’ Mutual, our Services, and/or our members. This may include disclosures to law enforcement, prosecutors, and other entities to investigation potential criminal activity and other civil violations. To comply with applicable laws, in response to a lawful and enforceable request by a law enforcement, judicial, or other public authority, or in connection with an applicable legal obligation.
Third parties like Google Analytics may collect aggregate data such as statistical information about how users interact with our Website and other Services. We use this information to help us better improve our Website and the other Services we offer to our members.
Categories of Third Parties that Receive Personal Information
We share or otherwise disclose individuals’ personal information to the following categories of third parties:
Fulfillment Providers: We employ third party fulfillmentproviders, companies, individuals, and agents to facilitate and help us provide our Services to you. Such Service Providers perform tasks or functions on our behalf, provide Services-related services, or assist us in analyzing how our Services are used or delivered. For instance, we will share your name and address with Lawyers’ Mutual’sour cloud services and information technology providersthat help us maintain our Website and other systems. We will also share information with our outside auditors for compliance purposes. These third parties are granted access to your information only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.
Other Lawyers’ Mutual Entities: We may share or disclose your information to other entities in the Lawyers’ Mutual family.
Government Agencies: from time to time we are required to share underwriting information with government agencies such as the California Department of Insurance for compliance purposes.
Member Benefit Vendors: we may share your name and contact information with vendors which offer goods, services, or products as a benefit of your membership with Lawyers’ Mutual.
Marketing Vendors: We may also from time to time provide your information to to vendors like MailChimp who help us in communicating with and providinginformation about our Services to you.
Categories of Personal Information Disclosed for Business Purposes
Lawyers’ Mutual has shared Personal Information as defined above over the last 12 months for our business purposes.
Categories of Personal Information Sold
Lawyers’ Mutualdoes not sell, rent or trade its members‘ personal information to third parties.
Please note that a “sale” of Personal Information does not include those instances when such information is part of a merger, acquisition, or other transaction involving all or part of our business. If we sell all or part of our business or make a sale or transfer of assets or are otherwise involved in a merger or other business transaction, we may transfer your Personal Information to a third party as part of that transaction. If such transaction materially affects the manner in which your Personal Information is processed, we will notify you of such change prior to its implementation.
Transfer of Data
Lawyers’ Mutual’s Services are offered and available to individuals who are licensed to practice law and whose primary mailing addresses are in the State of California, United States of America. While our Website is available for anyone who is interested in Lawyers’ Mutual, we do not sell or make available any products, goods, or other services to individuals outside of the United States, including the European Union. 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 from those of your jurisdiction.
If you are located outside United States and choose to provide information to us, please note that we transfer the data, including Personal Information, to United States and process it there. If you are located in the European Union, you should be aware that U.S. data protection laws are not deemed to be as adequate as those in the European Union.Your submission of such information represents your agreement to that transfer.
Security of Data
The security of your data is important to us but remember that no method of transmission over the Internet or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your Personal Information from loss, misuse, and unauthorized access, alteration, disclosure, and destruction, we cannot guarantee its absolute security. By using or Website and Services, you acknowledge that there are data security and privacy limitations inherent to the use of the Internet, and that the security, integrity, and privacy of any and all information exchanged between you and Lawyers’ Mutual, or between you and other related entities, cannot be guaranteed. We cannot ensure or warrant the security of any information you transmit to us or that we store, and you do so at your own risk.
Our Policy on “Do Not Track” Signals under the California Online Protection Act (“CalOPPA”)
We do not support Do Not Track (“DNT”). Do Not Track is a preference you can set in your web browser to inform websites that you do not want to be tracked. You can enable or disable Do Not Track by visiting the Preferences or Settings page of your web browser.
We do not track consumers’ online activities over time and across third-party Web sites or online services.
Third parties may collect data that relates to you. We cannot control third parties’ responses to do-not-track signals or other such mechanisms. Third parties’ use of data relating to you and responsiveness to do-not-track signals is governed by their respective privacy policies.
Your California Privacy Rights
California residents are afforded certain rights related to their information under state law. Lawyers’ Mutualaims to take reasonable steps to allow California residents to correct, amend, delete or limit the use of your Personal Information, and exercise other rights available under applicable law. Lawyers’ Mutual informs you that, where applicable under relevant law, individuals may be entitled to the following:
Right to Access / Disclosure: to have access to your Personal Information upon simple request – that is, you may receive a copy of such data upon receipt of a verifiable request, along with other information related to the collection or processing.
Disclosure of Direct Marketers: to have access upon simple request, and free of charge, the categories and names of addresses of third parties that have received Personal Information for direct marketing purposes. Please see the “Direct Marketers Disclosure” section below for more information.
Collecting, Selling, Sharing, or Disclosing Personal Information: upon receipt of a verifiable request, to obtain a list of:
The specific pieces of your Personal Information Lawyers’ Mutual holds;
The categories of Personal Information collected about you, sold to third parties, or disclosed to third parties for business purposes;
The categories of Personal Information sold within the last 12 months;
The categories of sources from which Personal Information is collected;
The business or commercial purpose for collecting or selling Personal Information; and
The categories of third parties with whom Personal Information is shared, sold, or disclosed for a business purpose.
Right to Opt-Out of the Sale of Personal Information: California residents have the right under the California Consumer Privacy Act (“CCPA”) to opt-out of the sale of their Personal Information under certain circumstances. As noted elsewhere, however,Lawyers’ Mutualdoes not sell individuals’ Personal Information.
Right to Deletion / “Right to be Forgotten”: to obtain the deletion of your Personal Information in the situations set forth by applicable data protection law and upon receipt of a verifiable request.
Right to Data Portability: to have your Personal Information directly transferred by us to a third-party processor of your choice (where technically feasible; may be limited to situations when processing is based on your consent).
Right to Non-Discrimination. As defined under relevant law, you have a right to non-discrimination in the Services or quality of Services you receive from us for exercising your rights.
Please contact us at the information in “Contact Us” Section below in relation to exercising these rights. Note that we may ask you to verify your identity before responding to such requests.
Direct Marketers Disclosures
If you are a California resident, you have the right to request information from us regarding the manner in which we share certain categories of Personal Information with third parties for their direct marketing purposes, in addition to the rights set forth above. Under California law, you have the right to send us a request at the designated address listed below to receive the following information:
the categories of information we disclosed to third parties for their direct marketing purposes during the immediately preceding calendar year;
the names and addresses of the third parties that received the information; and
if the nature of the third party’s business cannot be determined from their name, examples of the products or services marketed.
To make such a request, please provide sufficient information for us to determine if this applies to you, and attest to the fact that you are a California resident. Please also provide a current California address for our response. You may make this request in writing to us at the below address. Any such request must include “California Privacy Rights Request” in the first line of the description, and include your name, street address, city, state and ZIP code. Please note that we are only required to respond to one request per personeach year, and we are not required to respond to requests made by means other than through the address provided for this purpose below.
Note that responsive information may be provided in a standardized format that is not specific to you.
Links to Other Sites
All of our Services, including our Website, are intended for adult audiences, and are not meant to address anyone under the age of 18 (“Children”). As such, Children under 18 may not use our Website. If you are under 18, do not attempt to register for or use any of our Services, including our Website, and do not provide us any Personal Information about yourself.
Submitting a Verifiable Request to Lawyers’ Mutual
As mentioned above, California residents have certain rights to access, delete, or otherwise control the use, collection, and/or disclosure of their information. Lawyers’ Mutual will respond to an individual’s “verifiable request” to exercise his or her rights under such laws – that is, where Lawyers’ Mutual has received a request purporting to be from a particular individual, and Lawyers’ Mutual has been able to verify the individual’s identity. The need to verify an individual’s identity is critical to protecting your information, and ensuring that your information is not shared with anyone pretending to be you or someone who is not authorized to act as your agent on your behalf.
You may submit a verifiable request via our email address, mailing address, or toll-free number, listed in the “Contact Us” section below, or as otherwise provided on our Website (if such means are available). Lawyers’ Mutual will ask you to provide information about yourself so that we can verify your identity as part of this process. This information may include your name, your address, your account information, and any other information deemed necessary by Lawyers’ Mutual to reasonably verify your identity, to ensure that your information is not shared with anyone impersonating you.
We may ask for additional information if we have difficulty confirming your identity. We will not share your information or honor other requests in those situations in which we are unable to confirm a request for your information is a “verifiable request.”
Under California law a consumer can appoint an “authorized agent” to make certain verifiable requests upon their behalf, such as the right to know what information we collect about the consumer or to request deletion of the consumer’s information. Because the security and privacy of your information is paramount, we will ask that you identify and provide permission in writing for such persons to act as your authorized agent and exercise your applicable rights under California law in such situations. This may require us to contact you directly and alert you that an individual has claimed to be your agent and is attempting to access or delete your information. We will also independently verify your identity to ensure that an unauthorized person is not attempting to impersonate you and exercise your rights without authorization. We will not share your information or honor any other requests in those situations where you cannot or do not grant permission in writing for an identified authorized agent to act on your behalf, or where we cannot independently verify your identity.
How to Contact Us
If you have questions about this privacy statement, the practices of this site or your dealings with this site, please contact Lawyers’ Mutual: