We do not disclose, sell, share or release any data we collect through the Web site, other than disclosures that we make to medical, legal or other authorized representatives as part of the claims process, or disclosures that we are legally required to make. We may maintain some records of individuals who contact us in case we need to contact them later or provide them information in the future. If you choose to correspond with us through e-mail, we may retain the contents of your e-mail messages, your e-mail address and our responses. We do not, however, provide such information about you to anyone else unless you give us your permission or unless we are otherwise compelled by law.
Personal Information Collected on this Web Site
PERMA collects personal information from you when you complete any on-line form, application or survey or when you submit a claim or request a quote for workers’ compensation coverage. Personal information is encrypted during transmission to our web site by Secure Socket Layer (SSL) technology. This will reduce the risk of someone cracking the site and “snooping” on communications with us. The data then resides on a secured Web server at PERMA’s Internet Service Provider, until we collect it from the Web server and transfer it into our own secure database. We treat this sensitive data in the same careful manner in which we treat this information when it is submitted by more traditional means.
Member submissions. To submit claims data or request PERMA services on behalf of a PERMA member organization, a visitor must have a user name and password and must be logged on to the “members only” section of the Web site. When you transmit your password in the login process, it will be encrypted.
We will limit the availability of user names. We will issue a single user name to the person designated as the member organization’s “permanent representative” to PERMA.
If any other person within the organization asks for a user name, we will request the permanent representative’s approval.
Non-personal Information Collected on this Web Site
When you visit our Web site, we also collect information that does not identify you personally, but gives us information about how people use our site. This includes the number of visitors we receive and which pages they visit most frequently. This information helps us to continually improve the usefulness of our Web site.
The written information, graphics, photographs, video, audio and other materials contained within this Web site, including documents that may be downloaded from this Web site, are protected by United States copyright law. All such materials are the property of the Public Employer Risk Management Association, Inc. (“PERMA”). PERMA grants users of this Web site limited permission to copy, reproduce, retransmit, reduce to any electronic medium or machine-readable form or reprint the contents of this Web site only for personal use, for use in connection with requesting quotes for workers’ compensation coverage from PERMA, or for use by PERMA member organizations in connection with their PERMA membership. Any other use of the contents of this Web site without prior written consent of PERMA is expressly prohibited.
DISCLAIMER AND LIMITATION OF LIABILITY
PERMA HAS TAKEN REASONABLE CARE IN THE PRESENTATION AND POSTING OF MATERIALS ON THIS WEB SITE. PERMA DOES NOT GUARANTEE THE ACCURACY OR COMPLETENESS OF SUCH MATERIALS, HOWEVER, AND MAKES NO REPRESENTATIONS CONCERNING THE SUITABILITY OF SUCH MATERIALS FOR ANY PARTICULAR PURPOSE. ADDITIONALLY, WHILE PERMA HAS TAKEN REASONABLE PRECAUTIONS TO SAFEGUARD THE RELIABILITY AND SECURITY OF THE WEB SITE ITSELF, PERMA MAKES NO GUARANTEES CONCERNING THE RELIABILITY OF THE SITE OR THE SECURITY OF THE INFORMATION POSTED ON THE SITE AGAINST COMPROMISE BY PARTIES SEEKING TO GAIN ACCESS TO THAT INFORMATION ILLEGALLY. PERMA DISCLAIMS ANY AND ALL WARRANTIES CONCERNING THE RELIABILITY OR SECURITY OF INFORMATION POSTED ON THIS WEB SITE AND ASSUMES NO LIABILITY FOR ANY LOSS, DAMAGE OR EXPENSE FROM ERRORS OR OMISSIONS IN THE INFORMATION OR IN THE MAINTENANCE AND SECURITY OF THE WEB SITE, WHETHER ARISING IN CONTRACT, TORT OR OTHERWISE.