Privacy Notice

Privacy Notice

Text Field

Effective Date: November 2024

This Privacy Notice describes how Marsh LLC and its subsidiaries (collectively, “Marsh”), collect, use, share, retain, transfer and otherwise process information relating to identified or identifiable individuals (Personal Information), and the rights you may have regarding your Personal Information. We believe that it is important for you to understand how we process Personal Information and  encourage you to take a moment to familiarize yourself with our privacy practices outlined below. 

Please note that in some instances we act on behalf of and under the instructions of clients, financial institutions, merchants, and other partners who act as data controllers. Please refer to their respective privacy policies for more information regarding the processing of your Personal Information in these contexts.

Personal Information We Collect

We may collect the following categories of Personal Information where appropriate to fulfill our intended business purposes:

Personal Information We Collect

Category	Examples
Biographical identifiers	Name, date of birth, age, place of birth, gender.
Contact information	Home address, telephone number, personal email address.
Identification information	Tax number, social security number or other government issued identification number, driver’s license number, passport information, bank account details, income tax declaration, income tax number.
Professional or employment-related information	Employer or group, relationship to our company, job title, business contact details, employee ID, employment grade, employee performance, salary and remuneration arrangements and employment history, and/or your relationship to the policyholder, insured, beneficiary or claimant.
Sensitive demographic attributes	Race, citizenship, physical or mental health or disability, sex (including gender identity), pregnancy or childbirth and related medical conditions, sexual orientation, union membership, veteran, or military status.
Financial Information	Payment card number and related bank account number and account details, income, and other financial information.
Benefit and Pension Information	Benefit elections, pension entitlement information, date of retirement and any relevant matters impacting your benefits such as voluntary contributions, details of power of attorney.
Insurable Risk Information	Criminal records data, including driving offenses, vehicle information, health information, injury or disability information, relevant personal habits (e.g., smoking), medical history, psychometric test results, historical information about the insurance quotes and coverages obtained, education information, credit history, and claims information and history, each to the extent relevant to the risk being insured.
Internet or other similar network activity	Browsing and search history, interaction with a website, application, or advertisement, data from cookies or web beacons, login credentials, domain names, and interactions with our emails, including when you read and respond to emails, ISP (Internet Service Provider), browser details, other website activity, online identifiers (including IP address or device ID).
Any other voluntarily provided information	Information regarding partners and dependents (including minor dependents); emergency contact details, disclosure statements, restrictive covenants, geolocation, marketing and communication preferences, information related to company-sponsored events that you have attended, and your feedback or survey responses where you choose to identify yourself.

Please note that these are examples. Marsh strives to adhere to the concept of data minimization and seeks to collect only the Personal Information that is strictly necessary for the provision of services to you.

How We Collect Personal Information

Information Provided by You, Your Representatives or Third Parties

We may collect Personal Information from the following sources:

• Directly from you, for example when you visit a website, enroll in benefits, request a quote, call a service center, or otherwise give us information.
•  Your representatives, including your employer, association, or group or benefit program/plan sponsor
• Other third parties, including insurance companies, plan administrators and service providers, brokers or agents, credit agencies, financial institutions, and government agencies or persons acting on behalf of such parties.
• Vetting and data validation agencies and other professional advisory service providers in connection with our marketing or business development activities.

If you supply us with Personal Information about other people (e.g., family members, beneficiaries, or dependents), you represent that you have the authority to provide this information and that you have shared this Privacy Notice where appropriate. We do not knowingly collect Personal Information directly from minors.

If a third party (e.g., your employer) collects your personal information, we encourage you to read the third party’s privacy policy to learn more about how your information will be used and disclosed by them.

If you communicate with one of our investment advisors through any device or method, please note that we log and monitor all such communications in order to comply with our record-keeping obligations.   

Collection by Automated Means

We use cookies and related tracking technologies (“Cookies”) on our company-owned websites. If available based on your jurisdiction, website users can opt-out of our use of certain Cookies using the Manage Cookies link at the bottom of the website. To find out more about how we use Cookies, please see our Cookie Notice.

Collection by Third Parties

If you conduct a transaction through us, a third party (e.g., a service provider or insurer) may collect and process credit card or other Personal Information about you, including through Cookies, in connection with such a transaction. In those instances, we encourage you to read the third party’s privacy policy to learn more about how your information will be used and disclosed by them.

How We Use the Personal Information We Collect

We May Use Personal Information We Collect:

Purpose	Description of Use	Legal Basis
To conduct our business	We use Personal Information as necessary to conduct our business, including to verify your identity, respond to your queries, communicate with you, process transactions, establish an online account, or carry out our contractual obligations.	Contract performance and, where applicable, legitimate interests (to enable us to perform our obligations and provide our services to you).
To provide you with marketing material where permissible under applicable law	We may use your contact details to send you information about products, services, and insights we think might be of interest to you. These communications may be sent by email, text, post, or phone in accordance with your marketing preferences and applicable global laws, including those relating to data protection and electronic communication. As a result, the basis on which we contact you will vary depending on who you are, our relationship with you, and where you are located. Regardless of the basis on which we share our marketing communications with you, we will comply with local law and provide an option for you to unsubscribe at any time in which case we will stop sending you our marketing communications. You can also change your marketing preferences by contacting us at privacy@mmc.com. Please note that, even if you opt-out of receiving marketing communications, we may still send you communications in connection with the services we provide to you.	Legal obligation, consent (which you can refuse or withdraw) and, where applicable, legitimate interest (to keep you updated with news in relation to our products and services).
For research, data analytics and development purposes	We may analyse Personal Information together with information from other clients to create insights, reports, and other analytics to better understand and improve the quality of our offering; market our advice, products, and services; and evaluate the effectiveness of our marketing activities, websites, and overall service. Please note that we may de-identify Personal Information such that it is not associated with any particular client or individual.	Where applicable, legitimate interests (to allow us to improve our services).
To log and monitor certain activities and maintain network security and performance, and protect against cyber attacks	We log and monitor communications and transactions to ensure service quality, compliance with procedures and legal requirements, and to combat fraud. We also use Personal Information as necessary to maintain network security, monitor website performance, and protect our systems against cyber attacks.	Legal obligation, and, where applicable, legitimate interests (to ensure the quality and legality of our services).
To maintain our websites and ensure website content is relevant	We use Personal Information as necessary to maintain our websites and ensure that content from our websites is presented in the most effective manner for you and for your device.	Contract performance and, where applicable, legitimate interests (to allow us to provide you with content and services on the websites).
To reorganise or make changes to our business	As necessary if we: (i) are subject to negotiations for the sale of our business or part thereof to a third party; (ii) are sold to a third party; or (iii) undergo a re-organisation.	Legal obligation or legitimate interests (to allow us to change our business).
In connection with legal or regulatory obligations	We use Personal Information to comply with our regulatory disclosure requirements or as part of dialogue with our regulators as applicable.	Legal obligation, and where appropriate, legitimate interests (to cooperate with law enforcement and regulatory authorities).
For Fraud, Anti-Money Laundering and Sanctions Screenings	When establishing or maintaining client relationships for the provision of certain services we use Personal Information for the purposes of carrying out fraud, anti-money laundering or sanctions checks.	Legal obligations and, where appropriate, legitimate interests (to cooperate with law enforcement and regulatory authorities).

We may also use the Personal Information we collect and receive as otherwise described to you at the point of collection.

External Links

Our websites may include links to websites that are operated by organizations other than Marsh.  If you access another organization’s website using a hyperlink on our website, the other organization may collect information from you.  Marsh is not responsible for the content or privacy practices of linked websites or their use of your Personal Information.  If you leave a Marsh website via such a link (you can tell where you are by checking the URL in the location bar on your browser), you should refer to that website’s privacy policies, terms of use, and other notices to determine how the other organization will handle any Personal Information they collect from you.

Who We Disclose Personal Information To

We may disclose Personal Information to the following categories of third parties:

Categories of third parties	Purpose for Disclosure
Insurers, third-party agents/brokers, and/or other third parties	Assist in providing the services.
Your employer, association, group, or benefit program sponsor (when applicable)	Assist in the administration of a group insurance program.
Marsh affiliates or other entities within the Marsh McLennan group	Enable them to provide services to you or contact you regarding additional products and services.
Agents or third-party service providers	Perform functions or services for us or on our behalf. Such third parties are contractually restricted from using Personal Information for purposes other than providing services for or on behalf of Marsh.
Marketing partners, including MMC affiliates and third parties engaged by us or our clients in connection with the services.	As permitted by law to provide you with information about our products, services or insights.
Potential partners or successor entities	In the context of mergers, acquisitions, bankruptcies, asset sales or other transactions where a third party assumes control of all or part of our assets.
Website analytics and advertising companies	Help us to personalize ads and content based on your interests, measure the performance of our ads and content, and derive insights about the audiences who see our ads and content.
Anti-fraud databases, supervisory or regulatory authorities, law enforcement and other third parties	As necessary to prevent fraud, communicate with supervisory or regulatory authorities, protect and defend the legal rights, safety, and security of Marsh, our affiliates and business partners, and users of any website, enforce the Terms of Use of a website; respond to claims of suspected or actual illegal activity; respond to an audit or investigate a complaint or security threat; or comply with applicable law, regulation, legal process, or governmental request.

We may also disclose de-identified information that is not reasonably likely to identify you for commercially legitimate and lawful business purposes.  Where we have de-identified information, we will maintain and use it without attempting to re-identify the data other than as permitted under law.

Steps We Take to Protect Personal Information

Our company strives to comply with all applicable cybersecurity and data protection laws. With these goals in mind, Marsh McLennan has a dedicated Chief Information Security Officer (CISO) and a Global Chief Privacy Officer (GCPO). The CISO is responsible for managing a Global Information Security team and a comprehensive cybersecurity program.  As part of our cybersecurity program, we have implemented commercially reasonable physical, administrative, and technical safeguards to protect Personal Information from unauthorized access, use, alteration, and deletion.  

The GCPO leads and oversees a Privacy Center of Excellence and a Data Protection Officer Network responsible for implementing our comprehensive global privacy program. The Data Protection Officer Network connects our Data Protection Officers across the world and seeks to implement our privacy program consistently and thoroughly wherever we process data. You can request the name and contact information for the Data Protection Officer in your jurisdiction by sending an email to privacy@mmc.com.

Your Data Protection Rights

In many cases, we handle Personal Information to provide our services to corporate clients, and you should contact them to exercise any rights you may have under applicable privacy laws. However, where we act as the controller or business that is primarily responsible for deciding how your information is processed, you may have some or all the rights listed below, depending on the jurisdiction and our reason for processing your information.  Please note that we may need to use your Personal Information to verify your identity prior to processing any of the below rights.

• Right of access (Right to know) 
  You may ask us to provide you with further details on how we make use of your Personal Information, the sources, the categories or specific pieces of Personal Information we have collected, the categories of third parties to whom we have disclosed the information, and to request a copy of the Personal Information that we hold about you.
• Right to correct  
  You may ask us to update any inaccuracies in the Personal Information we hold. If we disclose your Personal Information to others, we will tell them about the correction where possible.
• Right to delete
  You may ask us to erase your Personal Information where we no longer have lawful grounds to process it.
• Right to object to or restrict processing 
  You may have a right to restrict the processing of your Personal Information in certain circumstances, such as where you contest its accuracy.
• Right to data portability 
  You may have the right, where it is technically feasible, to ask that we transfer to a third party of your choice a copy of Personal Information we have obtained from you, in a structured, commonly used, and machine-readable format.
• Right to withdraw consent
  If we rely on your consent as our legal basis for processing your Personal Information, you have the right to withdraw that consent.
• Right to lodge a complaint
  You may have the right to lodge a complaint with the relevant supervisory or regulatory authority in your jurisdiction if you have a concern about any aspect of our privacy practices.

If you wish to exercise any of the above rights or request review of a decision or denial, please contact us using the applicable contact information:

• United States and Canada
  Marsh USA: Complete this Form or call 855-275-5436
  Marsh US – Other (Affinity, ICAT, Torrent, Captive Solutions, Advisory): Complete this Form or call 855-275-5436
  Marsh and McLennan Agency: Complete this Form or call 800-960-0416
  Marsh Canada: Complete this Form
• Indonesia, India, Saudi Arabia, Thailand, and Vietnam
  Complete this Form
• All other jurisdictions
  Please send an email to privacy@mmc.com

Depending on your country, you may also have some or all the following rights: 

• Right to Opt in or out of Sale or Sharing for Cross-Context Advertising 
  If you visit one of our websites, we may disclose your internet or other electronic network activity information, biographical identifiers, geolocation data, and professional information (to the extent it can be derived from your activity on our website) to website analytic and advertising providers for cross-context behavioral or targeted advertising purposes utilizing advertising cookies.  Under some laws, this activity may be considered a sale or sharing of information, and you may have the right to opt in or out of these types of disclosures.  To opt-in or out of our selling or sharing of your Personal Information on our websites or to view the names of specific third parties with whom we have sold or shared your information, please click on the “Manage Cookies” link at the bottom of our webpage. If you would like to opt out of the sale or sharing of your information, ensure the toggles for “Advertising” and “Analytics” trackers are set to “No” or, where available, enable the Do Not Sell or Share My Personal Information toggle.
  
  You may also implement a browser setting or extension to communicate your selling and sharing preferences automatically to the websites you visit.  Our websites process such “opt-out preference signals” in a frictionless manner by recognizing the Global Privacy Control (GPC). If you want to use GPC, you can download and enable it via a participating browser or browser extension. More information about downloading GPC is available here.
• Rights in relation to automated decision making and profiling 
  To the extent we engage in the automated processing of your Personal Information, we will provide you in advance with any notices, including regarding your rights, that are required under law.  Decisions regarding insurance premiums, coverage limits and eligibility, however, may be determined by insurance carriers using automated means, including through one of our websites or applications interacting with such insurers’ systems.  In those instances, we encourage you to review the applicable insurers’ privacy notices to obtain additional information regarding their automated decision-making practices, as well as any right to opt-out of such processing or challenge a prediction, recommendation or decision that has impacted you.  
•  Direct Marketing and Do Not Track Signals
  You may have a right to request and obtain a notice once a year about the Personal Information we disclosed to other businesses for their own direct marketing purposes, where permitted by law.  If applicable, such a notice will include a list of the categories of Personal Information that were disclosed (if any) and the names and addresses of all third parties to whom the Personal Information was disclosed (if any).  The notice will cover the preceding calendar year.  You may contact us as provided below if you would like to learn if this right applies to you and, if so, exercise that right. 
  
  Please note that some of these rights may be limited where we have an overriding legitimate interest or legal, regulatory, or contractual obligation to continue to process the Personal Information, or where the Personal Information may be exempt from disclosure or erasure under to applicable law.  Some of these rights can be exercised only in certain circumstances or may otherwise be limited by data protection legislation in your jurisdiction.

Cross-Border Transfer

As a global company operating across more than 80 countries, there are circumstances in which we will have to transfer Personal Information out of the country, province, or territory in which it was collected for the purposes outlined in this Privacy Notice. Specifically, we may transfer data to offer, administer, and manage the Services provided to you, and to enhance the efficiency of our business operations. We will make every effort to ensure that these transfers adhere to all relevant data protection legislation, and that the rights and freedoms of individuals under such laws are appropriately safeguarded.

Where the need for such a transfer arises, we will take steps to ensure that there are appropriate safeguards in place to protect Personal Information such as an impact assessment, adequacy decision by the appropriate supervisory authority, the use of approved binding corporate rules or standard contractual clauses, or your consent. 

For information regarding how Marsh & McLennan Companies’ EU (European Union) Binding Corporate Rules (EU BCRs) operate, click here.  For a list of entities that have agreed to be bound by the EU BCRs, click here.

For information regarding how Marsh & McLennan Companies’ UK Binding Corporate Rules (UK BCRs) operate, click here.  For a list of entities that have agreed to be bound by the UK BCRs, click here.  

Retention of Personal Information

Our products, services, and regulatory obligations are complex, and thus our retention periods for Personal Information vary.  We consider the following obligations when setting retention periods for Personal Information and the records we maintain:

• the need to retain information to accomplish the business purposes or contractual obligations for which it was collected;
• our duties to effectuate our clients’ instructions with respect to Personal Information we process on their behalf;
• our duties to comply with mandatory legal and regulatory record-keeping requirements;
• our backup and disaster recovery procedures; and
• other legal impacts such as the applicable statute of limitations periods.

Based on the factors above, we may retain Personal Information beyond the period for which we provide services to you. When we no longer need to retain Personal Information, our company policies require that we either de-identify or aggregate the information (in which case we may further retain and use the de-identified or aggregated information for analytics purposes) or securely destroy it. 

Questions or Concerns

To submit questions or requests regarding this Privacy Notice or Marsh’s privacy practices, please email us at privacy@mmc.com.   If you would prefer to contact us by post or by phone, please contact your local Data Protection Officer at one of the following addresses:

Chief Compliance Officer
Marsh & Mercer, Canada
120 Bremner Blvd, Suite 800
Toronto, Ontario M5J 0A8

Or

Chief Privacy Officer – US/Canada
Marsh & McLennan Companies, Inc.
1166 Avenue of the Americas
New York, NY 10036