This page contains the Terms and Conditions and the Privacy Notice for Crawford & Company and its subsidiaries ("Crawford").
Terms and Conditions
This section sets forth the terms and conditions under which Crawford provides the information on this website ("Site") as well as the terms and conditions governing your use of this Site and the information you provide to us. By using this Site you have agreed to these terms and conditions as stated below ("Agreement"), as well as all applicable laws that may govern internet usage.
We reserve the right to modify these terms and conditions at any time. You should check these terms and conditions periodically for changes. By using this Site after we post any changes to these terms and conditions, you agree to accept those changes, whether or not you have reviewed them. If at any time you choose not to accept these terms and conditions of use, please do not use this Site. Your further use of these pages constitutes consent to and acceptance of the following terms and conditions:
Restrictions on Use of Material
The contents ("Contents") of this Site are protected by copyright under U. S. law and foreign laws. Unauthorized use of the Contents may violate copyright, trademark and other laws. You must retain all copyright and other proprietary notices contained in the Contents on any copy you make of any portion of the Contents. You may not sell or modify any portion of the Contents or reproduce, display, distribute or otherwise use the Contents for any public or commercial purpose. You may cite or refer to information on this Site and make copies of the information for your own personal use but that is all. You must have our written permission to distribute copies of the information to others. To request such permission, send a message via e-mail to: firstname.lastname@example.org or contact us by mail at PO Box 5047, Atlanta, Georgia, 30302-5047, ATTN: Branch 8373.
Accuracy of Information on the Site
Although Crawford seeks to provide accurate and updated information on this Site, we cannot assure that such is the case. We make no representations about the accuracy, reliability, completeness, or timeliness of the Contents of the Site and provide no warranties, express or implied, for the content or accuracy of information of the site. It is your responsibility to evaluate the accuracy, completeness or usefulness of the Contents contained herein. Should you have any questions about the Contents of the Site, send a message via e-mail to the email address in the preceding paragraph.
No Professional Advice
The information provided on the Site is distributed with the understanding that Crawford is not rendering professional advice of any sort. The Contents of this Site cannot replace or substitute for the services of trained professionals in any field. If you have a question or issue requiring profession consultation relating to law, insurance, tax or financial planning or any other area you should consult a professional in the respective area. Any reliance on the information contained herein is solely at your risk.
Functioning of the Site
No representation or warranty is given that any functions contained in the Site will be uninterrupted, error-free, virus-free, free from harmful components, or that any defects will be corrected.
This Site may contain links to websites owned, operated or maintained by parties other than Crawford. Such links are provided for your reference only. Crawford does not control outside websites and is not responsible for their content. Crawford's inclusion of links to an outside website does not imply any endorsement of the material on the site or, unless expressly disclosed otherwise, any sponsorship, affiliation or association with its owner, operator or sponsor. If you have any questions about these other websites they should be directed to the authors of such sites.
If you would like to provide a hypertext link from your website to our Site you must request our permission before doing so. To request such permission please send an e-mail note or letter to the address stated in the section entitled "Restrictions on Use of Material". Please include in your note your name address and telephone number, a description of your website and the reasons why you would like to establish a link to this Site. We will review your website before granting any permission to you. Should we grant permission to you, we reserve the right to withdraw our authorization to link to our Site at any time.
You agree to defend, indemnify and hold harmless Crawford its representatives, officers, directors, and employees, agents and assigns from any and all liabilities, claims, costs, and expenses, including attorneys' fees, that arise from your use of the Site, your posting, downloading or transmission of communications or material on this Site, or from your violation of any applicable law.
Limitation of Liability
UNDER NO CIRCUMSTANCES WILL CRAWFORD OR ANY OF ITS AGENTS, EMPLOYEES, DIRECTORS, OFFICERS, SUBSIDIARIES OR AFFILIATED COMPANIES BE LIABLE FOR ANY DAMAGES WHATSOEVER TO YOU INCLUDING, BUT NOT LIMITED TO, ANY DIRECT, ACTUAL, SPECIAL OR CONSEQUENTIAL DAMAGES , THAT RESULT FROM (1) YOUR USE OF, OR YOUR INABILITY TO USE, THIS SITE OR ANY LINKED SITE, OR (2) FROM THE CONTENTS CONTAINED WITHIN THIS SITE OR FROM ANY LINKED SITE, OR (3) ANY VIRUSES, BAD CODE OR OTHER HARMFUL EFFECTS THAT COULD RESULT TO USERS FROM THIS SITE OR ANY LINKED SITE OR (4) DISCLOSURE OF YOUR PERSONAL IDENTIFIABLE INFORMATION THAT MAY OCCUR OVER THE INTERNET FROM YOUR USE OF THIS SITE OR ANY LINKED SITE OR (5) FROM ANY OTHER CAUSE AS A RESULT OF YOUR USE OF THIS SITE OR ANY LINKED SITE, EVEN IF CRAWFORD IS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
Pages with Restricted Access
Some of the pages within this website are restricted to authorized users only. Unauthorized use or access to these pages is strictly prohibited and may subject you to administrative actions and/or criminal prosecution and revocation of access. Crawford may monitor and record your usage of these pages. Evidence of your use collected during monitoring or recording may be used for administrative and/or criminal actions. Your further use of these pages constitutes consent to monitoring and recording.
You acknowledge that any software available or provided to you on this website may contain technology that is subject to strict controls by various agencies of the United States Government. You hereby agree that you will not transfer or export such software from the United States except in accordance with United States export laws and regulations. Crawford does not authorize the downloading or exportation of any software or technical data from this website to any jurisdiction prohibited by all applicable laws and regulations.
You acknowledge and agree that Crawford may terminate or deny access to all or part of the services, products or materials available on this website without prior notice if you engage in any conduct or activities that Crawford, in its sole discretion, believes violates any of these terms and conditions or any other rule, regulation or applicable law. Neither Crawford nor any of its officers, agents or employees shall be liable to you in the event of such termination.
This Agreement constitutes the entire agreement between you and Crawford pertaining to this Site and it supersedes any and all other agreements, whether oral or in writing. The failure of Crawford to insist upon strict compliance with any of the terms of the Agreement shall not be construed as a waiver with regard to any subsequent failure to comply with such term or provision. This Agreement is personal to you and it may not be assigned by you, although Crawford may assign it to any successor in interest. If any provision of this agreement is invalid or unenforceable under law the remaining provisions shall continue in full force and effect and the invalid or unenforceable provision shall be construed as closely as possible to its original intent. This agreement shall be governed by the laws of the United States and the State of Georgia as if the agreement was a contract wholly entered into and to be performed within Georgia. You agree that any breach of this Agreement by you may result in irreparable harm to Crawford entitling Crawford to equitable relief. Any inquiries or concerns regarding the terms and conditions of this Agreement should be directed by email or letter to the address in Section 1.
If you have questions or concerns regarding the contents of this notice, please contact us at:
Crawford & Company
Global Privacy Office
1001 Summit Boulevard
Atlanta, GA 30319
I. Personally Identifiable Information
We collect PII as required to operate our business, including, but not limited to, the following:
- Information we receive related to claim handling, such as the claimant's occupation, employer, social security and driver's license numbers, protected health information ("PHI", as further defined below), non-public personal financial information ("NPFI" as further defined below), and Trade Secrets (as defined below);
- Information related to your transactions with us, our affiliates, or previous insurers or employers, such as your policy coverage, claim information, premiums, and payment and claim history;
- Information necessary to process your employment application with us;
- Information to better understand your needs as they relate to Crawford's products and services; and
- Other PII as required by our business operations or Sites.
"PHI" is defined as individually identifiable health information that is held or transmitted by our company in performance of our contractual obligations with clients. This type of information includes information in electronic, paper, and oral form.
"NPFI" is defined as information of a financial nature that is shared by a current, prospective, or prior client with us in the course of providing products and services to that client. This type of information is not otherwise available to the public and includes, but is not limited to, the following: credit history, financial benefits, national identifiers, account numbers, business records, accounting information involving the client, contracts in which the client is a party, claims which the client is a party to, client's policy information, and any other data of the client that is financial in nature.
"Trade Secrets" are defined to include any proprietary information of any current, prospective, or prior client that is obtained through the course of our business activities with that client or through the provision of products and services provided by us to the client. This type of information is not otherwise available to the public and includes, but is not limited to, the following: business records, contracts, claims, products, business methods, data processing procedures, marketing strategies, pending projects or proposals, mailing lists, and any other information related to a client's activities, products, or services, which may or may not be protected or protectable under applicable patent laws.
Crawford's policy is to collect, process, and disclose sensitive PII only if required to comply with legal or contractual obligations, or with your consent. Sensitive PII includes PHI, information about racial or ethnic origin; political views or opinions; religious, philosophical, or moral beliefs, sexual preference, habits, or behavior; genetic information; and labor union membership.
II. Cookies and Click Streams
"Cookies" are small pieces of information that are stored by your browser on your computer's hard drive for record-keeping purposes. Cookies and other user tracking devices (e.g., local shared objects) are used to determine whether a visitor is unique or whether a visitor has viewed our Website before, and for other website improvement purposes. We may use these tracking devices, including "persistent cookies" that will remain on your computer even after you close your browser, to enable you to have access to your personal content without having to login each time you visit. While most browsers are set to accept cookies and other tracking devices by default, you can set yours to refuse tracking devices or to alert you before accepting them. However, by disabling tracking devices, you may not have access to the entire set of features of our Sites. Your browser manufacturer has information on changing the default setting for your specific browser.
In addition to information that you provide us voluntarily, we may collect other non-personally identifiable information in connection with the operation of our Sites, including, but not limited to, Internet Protocol ("IP") addresses and browser or operating system information. We may also capture click streams, which record what you click on while browsing the Internet, to help us learn what parts of our Sites are most popular and among which audiences. The typical data that we review includes, but is not limited to, audience size, return visit rate, pages visited, time spent on pages, and similar data. This information is used to help optimize our user interface, improve content, and customize our site content and layout to better serve our clients and visitors. Such information is collected or maintained by us or by service providers acting on our behalf.
If you have provided us with your email address, we may use this information to contact you, or to identify the pages you view when you visit our sites, the amount of time you spent on them, and other similar data.
Information Use and Consumer Choice
In the course of conducting our business, we use information you provide to us to handle and analyze claims, to process employment inquiries, to deliver and administer eLearning courses, or to provide you with information about our products and services. We may share information you provide to us on an as-needed basis or as otherwise required by law. In certain situations, we will share information about you:
- With governmental authorities, but only to the extent that we are required to disclose any PII pursuant to the legal process we receive from the governmental authority;
- With law enforcement agencies;
- With our affiliated companies or a third party if reasonably necessary to enable them to assist in providing our services to clients, fulfilling the requests you make, or the business transactions you conduct, that relate to claims handling and analysis, employment inquiries, and to deliver or administer eLearning courses, or otherwise solely to provide us with contracted services;
- With credit reference and fraud prevention agencies and other third parties, including insurers and loss adjusters, to prevent and detect fraud;
- To protect or defend our legal rights or property or the interests of clients or users of our Sites;
- To respond to claims that any posting or other content violates the rights of third parties;
- To protect the health and safety of our Website's users or the general public when there is an emergency.
We may also outsource some tasks, including the operation of certain Website functions that require access to information you supply online. In such cases, however, we require that the companies acting on our behalf abide by our privacy practices and institute safeguards to protect the confidentiality of your information.
We may contact you in response to your comments or inquiries, as part of the maintenance of your account with us (if you have one), or in order to complete a transaction that you requested. We may also contact you to inform you of other products or services we believe may be of interest to you, but we will offer you an opportunity not to receive such communications. If you decide that you do not want to be contacted by Crawford or to request that we limit the uses and disclosures of your PII, you can send an email to email@example.com with such requests.
If our company or our assets are acquired by another company, or in the event of a merger, consolidation, change in control, transfer of substantial assets, reorganization, or liquidation, we may transfer, sell, or assign to third partiesinformation concerning your relationship with us, including, without limitation, personally identifiable information that you provide and other information concerning your relationship with us. Such third parties will assume responsibility for the personal information collected by us in connection with our business operations or through our Website and such third parties will assume the rights and obligations regarding such information as described in this Privacy Notice.
Outside of the recipients and purposes noted above, we do not use, disclose, sell, or transfer any PII without consent unless required or permitted by law or regulation. Please note that if you choose not to provide such consent and it is required by law before we use, disclose, sell or transfer your PII, including sensitive PII, we may not be able to process your claim, employment inquiry, or other transaction. The recipients of our data may be located in countries throughout the world. If the recipient is not affiliated with Crawford, except as specified above, the recipient's privacy practices will govern its use and disclosure of the transferred data.
Access and Correction
As a claims management, information, and eLearning company, we know the importance of accurate data. Therefore, we strive to maintain the accuracy of the information that we collect. We will provide you with access to PII you provide to us for as long as we maintain that information in a readily accessible format. Similarly, we permit and encourage you to correct inaccuracies in the information you submit to us. Where required by law, we will also allow you to request deletion or object to processing of your data. Please note, as stated in the Terms and Conditions above, we do not make representations about the accuracy, reliability, completeness, or timeliness of the contents of our Sites and provide no warranties, express or implied, for the content or accuracy of information on our Sites.
If you wish to access PII that you have submitted to us, to request the correction of any inaccurate information you have submitted to us, to request deletion of, to object to processing of your data, or to request a paper copy of this Privacy Notice, please send an e-mail that includes your contact information to: firstname.lastname@example.org.
Your California Privacy Rights
California Civil Code Section 1798.83, also known as the "Shine The Light" law, permits our customers who are California residents to request and obtain from us once a year, free of charge, information about the personal information (if any) we disclose to third parties for direct marketing purposes in the preceding calendar year. If applicable, this information would include a list of the categories of personal information that was shared and the names and addresses of all third parties with which we shared information in the immediately preceding calendar year. If you are a California resident and would like to make such a request, please submit your request in writing to: email@example.com
We recognize the importance of security for your PII and employ reasonable administrative, technical, and organizational safeguards to protect it against loss, misuse, unauthorized disclosure, or unauthorized alteration. Please note, however, that we cannot guarantee that unauthorized third parties will never be able to defeat our protection methods or use your information for improper purposes, or that errors in transmission will not occur, and as such we disclaim and limit any liability for such improper use, disclosure, loss,or misuse in the Terms and Conditions section above.
We limit access to PII to those employees and contractors working on our behalf who need access in order to carry out their job responsibilities. We maintain physical, electronic, and procedural safeguards that comply with all applicable laws that protect your PII. The computers and servers in which we store PII are kept in a secure environment.
Links to Other Sites
As noted in the Terms and Conditions above, our Sites may provide links to other websites not owned or controlled by us that we think might be useful or of interest to you. We are not, however, responsible for the privacy practices used by other website owners or the content or accuracy contained on those other websites. You may contact those websites directly for their individual privacy policies.
Privacy Notice Changes
We reserve the right to revise this Privacy Notice from time to time to reflect changes in our privacy practices. We encourage you to review our Sites, and this Privacy Notice in particular, on a periodic basis for any updates or changes to our privacy practices. Your continued access or use of any one of our Sites shall be deemed to be your acceptance of all privacy practices described in this Privacy Notice, including any changes, whether or not you have reviewed them. Please note that this policy is not intended to and does not create any contractual or other legal rights in or on behalf of either Crawford or you or any other party.
This Privacy Notice is effective as of April 30, 2012.