PRIVACY POLICY
Your privacy is very important to Underwriters Rating Board.  This privacy policy may change from time to time to conform with legislation and/or industry developments. We reserve the right to modify this policy and will not explicitly inform our members or website users of these changes. Instead, we recommend that you review this page occasionally for any policy changes.

INFORMATION WE COLLECT & WHY
This website collects and uses personal information for the following reasons:
COOKIES & SITE VISITATION TRACKING
We use cookies, pixel tags, and similar technologies to gather information about your use of our website and to customize your experience using the website. You can choose to disable cookies on your internet browser to stop tracking any part of your visit to pages within this website.
CONTACT FORM
Should you choose to use the form on the Contact Us page, personal information provided may include your name and email address. None of the data you supply will be stored by this website; instead, the data is collated into an email that is sent to us over the Simple Mail Transfer Protocol (SMTP), which is protected by SSL so that the email content is encrypted before being sent to us.
COOKIE POLICY
“Cookies” are small data files that a website can use to recognize repeat users and allow a site to track usage behavior and compile data to allow content improvements. Most browsers automatically accept cookies, but you can choose to disable this feature; however, you should note that cookies may be necessary to provide you with certain features of the website functionality. We use the following categories of cookies:
• Session cookies – These are stored on the user’s hard drive temporarily and are deleted when the user ends the browsing session. Session cookies allow a consistent navigation experience and are optimal to the user’s network speed and choice of device.
• Persistent cookies – These stay on the user’s hard drive until they expire, even after the browser is closed. Persistent cookies are useful for remembering things like login information, so users do not have to enter a password every time they visit a website.
• Analytics cookies – These help collect data to understand how users interact with the website in order to improve content and build better features to enhance the site experience.

EMAIL ADDRESSES & PERSONAL INFORMATION
Our member email addresses are never shared with outside parties. We will never sell, rent, or otherwise distribute or make public your personal information.
We use your email information for a variety of purposes, including but not limited to:
• Providing services and support – Performing the essential functions of our business including responding to inquiries and communicating with members.
• Compliance with legal obligations – Underwriters Rating Board may disclose personal information if required to do so by law or in the good-faith belief that such action is necessary to (a) comply with applicable law or with legal process served on the website, (b) protect and defend the rights or property of Underwriters Rating Board or this website, and (c) act under exigent circumstances to protect the personal safety of users of Underwriters Rating Board, the website or the public.

THIRD PARTY WEBSITES AND LINKS
We use a number of third party websites that process personal data and our site may contain links to other websites that have different privacy policies from our own. You may need to create an individual account or register to use these sites. Any interaction on social media websites is governed by the terms and use of the specific platform.