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Privacy policy


Milliman respects your privacy and is committed to protecting the personal information you share with us. The purpose of this Privacy Policy is to set out the principles governing our use of personal information. If you give us personal information, we will treat it according to this policy and in compliance with the EU Standard Contractual Clauses issued by the European Commission, for the transfer of personal data of Ireland Milliman Ltd. to processors established in third countries and for the transfer of personal data between data controllers, i.e. from Ireland Milliman Ltd. to Milliman Inc. in view of a subsequent use by Milliman Inc. as provided for hereunder.

Collection of Information and Security

Aggregate information

Like many companies, we monitor the use of this Web site by collecting aggregate information. No personally identifiable data are collected in this process. Typically, we collect information about the number of visitors to the Web site, to each Web page and the originating domain name of the visitor's Internet Service Provider. This information is used to improve the usability, performance and effectiveness of the Web site.

How we collect aggregate information

In some instances, Milliman may collect aggregate data through cookies. A "cookie" is a text-only string of information that we send to the cookie file of the browser on your computer's hard disk using our web server. They are used in order to make websites work, or work more efficiently, as well as to provide information to the owners of the website.

This website may use both strictly necessary cookies and performance cookies. Strictly necessary cookies enable you to move from page to page within the website and to use its features. These cookies are deleted when you close your browser. Performance cookies allow us to collect information, including the number of visitors to the website; where they have come to the website from; and the length of time they have spent on the website.

The majority of Web browsers accept cookies and similar files, but you can usually change the browser settings to prevent this. However, if you do so, some functionality of this Web site may be lost.

Personal information

If you are required to register in order to use a feature of this Web site or to complete an online application form (e.g. to obtain e-mail updates or online publications), we will collect personally identifiable information about you, such as your name, e-mail address, country of residence, and other information which you voluntarily submit. This information is used to deliver Web site features, and to contact you about Milliman products or services requested by you or that we think may be of interest to you. If you use a client log-in to access the website, certain criteria such as your user information, transactional data, session surveillance, device fingerprint, IP information, and pattern recognition may be collected and used by us for authentication purposes. Personal information may also be disclosed to subcontractors, for example, for maintenance purposes or as further described below.

Security

We store your personal data on a secure server that is password protected and shielded from the outside world by a firewall. We have in place security policies that are intended to ensure, as far as possible, the security and integrity of all our information, including your personal information.

Data processing and storage

If we obtain any personal information about you, we may share it within Milliman or any of our worldwide affiliates or subsidiaries for purposes of data processing or storage, or to provide a requested service.

Authorized third-party agents

We also may share your personal information with authorized third-party agents or contractors that perform services for Milliman. For example, if we need to ship something to you, we must share your name and address with a shipping company. We only provide third-party agents with the minimum amount of personal information necessary to complete the requested service or transaction.

Legal requirements and illegal activities

We may disclose your personal information and other related information in response to subpoenas, court orders, or other lawful requests by public authorities, including to meet national security or law enforcement requirements. We may collect and share personal information in order to investigate or take action regarding illegal activities, suspected fraud, violations of Milliman's Terms of Use, or as otherwise required by law.

Notice and choice for onward transfer

We will ask you for your opt-in consent to share your personal information with a third party for any other reason.

Children

Our Web sites do not target and are not intended to attract children under the age of 13. We do not knowingly collect information from or about children.

Access and Corrections

If we have personally identifiable information about you, you may review it and instruct that it be corrected, updated, or deleted, by contacting us via email (more.info@milliman.com). It is not technologically possible to change or delete each and every instance of the information we hold on you from our systems, and data may remain in non-erasable forms. We may retain data for a period in our backup systems. We may also retain some information for longer periods as required by law, contract, or auditing requirements.

Opting Out

We may, from time to time, contact you by e-mail with information about our products or services. If you do not wish to receive such e-mails you can easily opt out by sending us an email (more.info@milliman.com)

Third-party Links

Our Web site may provide links to other third-party Web sites that are outside our control and not covered by this policy. We encourage you to review the privacy policies posted on these (and all) sites.

Change

We may change our privacy policy from time to time. We therefore ask you to check it occasionally to ensure that you are aware of the most recent version.

Information Received from the European Union or European Economic Area

For personal information received from the European Union or European Economic Area, Milliman is committed to handling your personal information in accordance with this privacy policy and the EU-U.S. Privacy Shield Framework as administered by the U.S. Department of Commerce. If there is any conflict between the terms of this Policy and the Privacy Shield Principles, the Privacy Shield Principles shall govern. To learn more about the Privacy Shield, and to view Milliman’s certification, please visit https://www.privacyshield.gov/list.

Milliman’s accountability for personal information that it receives under the Privacy Shield and subsequently transfers to a third party is described in the Privacy Shield Principles. In particular, Milliman remains responsible and liable under the Privacy Shield Principles if third parties engaged by Milliman process the personal information in a manner inconsistent with the Principles, unless Milliman proves that it is not responsible for the event giving rise to the damage.

As further explained in the "How Can You Contact Us?" section below, we encourage you to contact us should you have a Privacy Shield-related (or general privacy-related) complaint.

Information Received from Switzerland

For personal information received from Switzerland, Milliman is committed to handling your personal information in accordance with this privacy policy, and we will adhere to the principles of the U.S.-Swiss Safe Harbor Principles as administered by the U.S. Department of Commerce. To learn more about the Safe Harbor program, and to view Milliman’s certification, please visit https://safeharbor.export.gov/swisslist.aspx. Additionally, Milliman has put in place a data protection Agreement between Milliman, Inc. and Milliman AG based on the EU Standard Contractual Clauses issued by the European Commission (the “EU Standard Contractual Clauses”).

How to Contact Us

We welcome feedback and questions on this privacy policy. If for any reason you wish to contact us, please send an email (more.info@milliman.com).

If you have inquiries or complaints regarding your personal data, please send an email (more.info@milliman.com). Complaints will be resolved internally in accordance with Milliman’s complaints procedures. If you live in the European Union, European Economic Area, or Switzerland and efforts to resolve the matter internally are unsatisfactory, the complaint may be submitted to the American Arbitration Association (http://www.adr.org/), which has been selected as the independent recourse mechanism to resolve complaints and disputes relating to treatment of personal information originating in the European Union, European Economic Area, or Switzerland under this privacy policy. Under certain conditions, you may be entitled to invoke binding arbitration through the Privacy Shield Panel when other dispute resolution procedures have been exhausted. Milliman is subject to the investigatory and enforcement powers of the U.S. Federal Trade Commission (FTC).

This Web site is provided by Milliman, Inc. You may contact Milliman by sending us an email (more.info@milliman.com). References to "Milliman," "we," "us," and "our" are references to Milliman, Inc. and its affiliates.