RAM Mutual Insurance Company Mobile App and Privacy Policy


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    <h1>RAM Mutual Insurance Company Mobile App and Privacy Policy</h1>
    <p>RAM Mutual Insurance Company is committed to protecting and respecting your privacy.</p>

    <h3>Scope</h3>
    <p>This app-specific privacy policy (“Privacy Policy”), together with our general Privacy Policy (found on <a href="http://www.rammutual.com">www.rammutual.com</a>) along with any other documents referred to therein, sets out the basis on which we collect personal data from users, or which users provide when using the RAM Mutual Insurance Company (“RAM”) mobile application (the “App”) and how such personal data will be stored, processed or shared by RAM. Please read the following carefully to understand our views and practices regarding your personal data and how we will treat it. By registering to use the App, clicking the relevant tick boxes before installing the App, and then using the App and/or Services, you agree to the practices described in this Privacy Policy and any other policies or documents referenced herein.</p>

    <h3>Guiding Privacy Principles</h3>
    <p>
        <ul>
            <li>RAM only collects and maintains the minimum amount of data necessary to provide the services RAM offers</li>
            <li>RAM does not sell any customer information</li>
            <li>RAM does not share customer information with third parties unless it is part of providing RAM’s services or otherwise required by law</li>
            <li>RAM handles all collected data in the same uniform fashion – for prospective, current or former customers</li>
            <li>RAM maintains physical, procedural and technological controls to protect customer information and to comply with applicable privacy laws and regulations</li>
        </ul>
    </p>

    <h3>Legal Basis for Processing</h3>
    <p>
        RAM collects and uses the personal data described below in order to provide you with access to the App in a reliable and secure manner. We also collect and use personal data:
        <ul>
            <li>For our legitimate business needs</li>
            <li>To fulfill our contractual obligations to you</li>
            <li>To comply with our legal obligations</li>
        </ul>
    </p>

    <h3>Collection of Information</h3>
    <p>RAM collects personal data from individuals when they use the App, visit our website, conduct activities or transactions in the App or on our website (including through our RAM Policyholder Portal), log in to their account, request information, fill in forms or correspond with us by phone, email or otherwise or report a problem with the App or our website.</p>
    <br />
    <p><i>Information You Provide</i></p>
    <br />
    <p>The information you give us may include your name, user name, password, address, email address, telephone number, title, company name, and any additional information you choose to provide. When you create an account, such information is requested from you as it is necessary to enable the website and/or App to function according to the terms of our agreement with you.</p>
    <br />
    <p><i>Information We Collect</i></p>
    <br />
    <p>
        The information RAM collects from you may vary based on your interaction with our website or App. RAM may collect the following information:
        <ul>
            <li>
                Each time you visit the website or use the App, our web server automatically recognizes your computer or device. We use cookies when you use our website or App. This anonymous information collected may include Internet Protocol (IP) addresses, device, and web browser information, Internet Service Provider (ISP), page navigation, operating system, session identification, date and time stamp, and geolocation. We use this information to:
                <ul>
                    <li>Recognize your browser, computer or device</li>
                    <li>Remember your preferences and actions</li>
                    <li>Collect information about how visitors use our website or App </li>
                    <li>Log website and App activity</li>
                </ul>
            </li>

        </ul>
    </p>
    <br />
    <p><i>Sensitive Data</i></p>
    <br />
    <p>RAM does not collect personal data revealing racial or ethnic origin, political opinions, religious or philosophical beliefs, or trade union membership, and the processing of genetic data, biometric data to uniquely identify a natural person or data concerning health.</p>

    <h3>Cookies</h3>
    <p>We use cookies to distinguish you from other users of our website or App for security and authentication purposes and to track activity, such as page views and downloads.</p>

    <h3>Use of Information</h3>
    <p>We use information held about you in the following ways.</p>
    <br />
    <p><i>Information you provide</i></p>
    <br />
    <p>
        We will use this information:
        <ul>
            <li>To carry out our obligations arising from any contracts entered into between you and us (including managing transactions, reporting, invoices, renewals, and other operations related to providing services to you)</li>
            <li>To provide you with the information, products, and services that you request from us</li>
            <li>To maintain, support, deliver and provide you with requested products and services</li>
            <li>To notify you about changes to our website and the App</li>
            <li>To ensure that content from our website and the App is presented in the most effective manner for you, your device, or your computer</li>
            <li>To satisfy governmental reporting, tax, and other requirements</li>
        </ul>
    </p>
    <br />
    <p><i>Information we collect</i></p>
    <br />
    <p>
        RAM will use this information:
        <ul>
            <li>To create aggregated statistics on all users of the App</li>
            <li>To administer our website or the App and for internal operations, including troubleshooting, data analysis, testing, research, statistical and survey purposes</li>
            <li>To inform you about scheduled website or App downtimes and new features</li>
            <li>To improve our website or the App to ensure that content is presented in the most effective manner for you, your device, or your computer</li>
            <li>For the purposes of performance, usability, site administration, security reviews, and to help improve the experience of visitors to our website and users of the App</li>
            <li>As part of our efforts to keep our website and App safe and secure</li>
        </ul>
    </p>

    <h3>Disclosure of Information</h3>
    <p>RAM also may disclose personal data for other purposes or to other third parties where you have explicitly consented to this on registering to use the App.</p>
    <br />
    <p>Please be aware that RAM may be required to disclose personal data in response to a lawful request by public authorities, including to meet national security or law enforcement requirements. RAM is liable for appropriate onward transfers of personal data to third parties.</p>
    <br />
    <p><i>Information We Share With Third Parties</i></p>
    <br />
    <p>Information about you is an integral part of our business. We neither rent nor sell your personal data to any third party. We will share your personal data with third parties directly participating in or related to the services being provided by RAM. </p>
    <br />
    <p><i>Information We Disclose to Third Parties</i></p>
    <br />
    <p>
        We may disclose your personal data to third parties:
        <ul>
            <li>If we are obliged to disclose or share your personal data to comply with any legal obligation, and/or any other agreements; or to protect the rights, property, or safety of RAM, our users, Customers, or others. This includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction</li>
        </ul>
    </p>
    <br />
    <p><i>Notification of Disclosures</i></p>
    <br />
    <p>Except as stated above, you will be notified when your personal data may be shared with or disclosed to third parties.</p>
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    <p><i>Questions?</i></p>
    <br />
    <p>If you have questions about the RAM Privacy Policy, please <a href="http://www.rammutual.com/contact">contact us</a>.</p>

    <h3>Protection of Information</h3>
    <p><i>Security</i></p>
    <br />
    <p>RAM uses reasonable efforts to maintain personal data's accuracy and integrity and update it as appropriate. RAM has implemented physical and technical safeguards to protect personal data from loss, misuse, unauthorized access, disclosure, alteration, or destruction. For example, electronically stored personal data is stored on a secure network with firewall protection, and access to RAM’s electronic information systems requires user authentication via password or similar means. RAM also employs access restrictions, limiting the scope of employees with access to personal data.</p>
    <br />
    <p>All information you provide to us is stored on our secure servers. RAM uses secure encryption technology to protect certain categories of personal data. Any payment transactions will be encrypted using SSL technology. Where we have given you (or where you have chosen) a password that enables you to access certain parts of the website or the App, you are responsible for keeping this password confidential. We ask you not to share passwords with anyone.</p>
    <br />
    <p>Despite these precautions, the transmission of information via the Internet is not completely secure. Although RAM will endeavor to protect your personal data, we cannot guarantee the security of your data. Any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features to prevent unauthorized access.</p>

    <h3>Links to Other Websites</h3>
    <p>Our website and App include links to other websites whose privacy practices may differ from those of RAM. If you submit personal information to any other site, your information is governed by the privacy statement of the site you provide the information to and not RAM’s privacy statement. We encourage you to carefully read any website’s privacy statement.</p>

    <h3>Accessing Information</h3>
    <p>RAM personnel may access and use personal data only if authorized to do so and only for the purpose they are authorized.</p>

    <h3>Children</h3>
    <p>RAM does not knowingly collect personal information from children. If we learn we have collected personal information from a child under 13, we will delete this information.</p>

    <h3>Right to Access or Rectify Information</h3>
    <p>You have the right to know what personal data RAM holds about you to ensure that such personal data is accurate and relevant for the purposes for which RAM collected it. You may review your personal data stored in the databases and correct, erase, or block any incorrect personal data, as permitted by applicable law and RAM policies. You may edit your personal data by logging into your account profile or by contacting RAM at https://www.rammutual.com/Contact/. When modifying your personal data, you must provide only truthful, complete, and accurate information.</p>

    <h3>Changes to the Privacy Policy</h3>
    <p>We may update this Privacy Policy occasionally as we add new features or change how we manage information. If we make material changes to our Privacy Policy, we will post the changes here and notify you by posting a notice on this site before the change becomes effective. We encourage you to review this page periodically to see if there have been any changes to our privacy practices that may affect you.</p>

    <h3>Contact</h3>
    <p>Questions, comments, and requests regarding this Privacy Policy are welcomed and should be addressed to:<br><br>By post: RAM Mutual Insurance Company, PO Box 308, Esko, MN 55733<br><br>By email: <a href="mailto:general@rammutual.com">general@rammutual.com.</a></p>

    <h3>App Privacy Details</h3>
    <p>Apple&reg; defines tracking as: linking data collected about a user or device with third-party data for advertising, advertising measurement purposes, or sharing data about a user or device with a data broker.</p>
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