Privacy Statement

LAST UPDATE: (September 13, 2018)

Pinnacle Actuarial Resources, Inc. is committed to protecting your privacy and developing technology that gives you the most powerful and safe online experience. This Privacy Policy (this “Policy”) applies to the Pinnacle Actuarial Resources, Inc. Website and governs how Pinnacle Actuarial Resources, Inc. collects data from you and how it uses that data. By using the Pinnacle Actuarial Resources, Inc. Website, you consent to the data practices described in this Policy.

Please note that this policy only applies to personal information obtained by Pinnacle Actuarial Resources, Inc. and not information collected from your interactions with third parties. Pinnacle Actuarial Resources, Inc. encourages you to review the privacy statements and policies of third party websites you choose to link to from Pinnacle Actuarial Resources, Inc. so that you can understand how those websites collect, use and share your information. Pinnacle Actuarial Resources, Inc. is not responsible for the privacy statements or other content on websites outside of the Pinnacle Actuarial Resources, Inc. Website.

WHAT IS PINNACLE ACTUARIAL RESOURCES, INC. AND HOW DO YOU CONTACT IT?

Pinnacle Actuarial Resources, Inc. is an independent actuarial consulting firm that ranks among the largest property/casualty actuarial firms in the United States of America and serves hundreds of captive and alternative market clients, self-insured employers and risk retention groups. Pinnacle Actuarial Resources, Inc. is the data controller responsible for your personal information under this Policy. Pinnacle Actuarial Resources, Inc. home office is located at 3109 Cornelius Drive, Bloomington, Illinois 61704.

Pinnacle Actuarial Resources, Inc. welcomes your comments regarding this Policy. If you have any questions about this Policy, want to exercise your rights under this Policy or believe that Pinnacle Actuarial Resources, Inc. has not adhered to this Policy, please contact Pinnacle Actuarial Resources, Inc. at websupport@pinnacleactuaries.com. If you notify Pinnacle Actuarial Resources, Inc. of a complaint, Pinnacle Actuarial Resources, Inc. will use commercially reasonable efforts to promptly review and investigate your complaint and taken any action it deems reasonably necessary to remedy any issues it discovers.

WHAT KIND OF INFORMATION DOES PINNACLE ACTUARIAL RESOURCES, INC. COLLECT?

Pinnacle Actuarial Resources, Inc. collects personal information which is specifically requested from, and voluntarily provided by, registered users of the Pinnacle Actuarial Resources, Inc. Website. This information includes a registered user’s individual name, email address, company name, address, postal code, and professional credentials.

Additionally, Pinnacle Actuarial Resources, Inc. may collect personal information that it does not specifically request but may be submitted when an applicant responds to an online job application or provides a resume to Pinnacle Actuarial Resources, Inc. through its Website. This information may include: the applicant’s first name, the applicant’s last name, the applicant’s email address, the applicant’s telephone number, all information listed on the applicant’s professional resume, the applicant’s major, a list of the professional exams the applicant has passed, any internships completed by the applicant, the names of any universities the applicant graduated from and/or attended and the applicant’s GPA.

Pinnacle Actuarial Resources, Inc.’s policy is to limit the amount of information required to provide relevant content and information. If a visitor believes the site has collected excessive information, we encourage the visitor to contact us at websupport@pinnacleactuaries.com to raise any concerns.

Please keep in mind that any comments made on public message boards are available to other users and visitors of the Pinnacle Actuarial Resources, Inc. Website. Any personal information or sensitive information included in comments or messages made on public message boards may be collected and used by third-parties who view the comment or message.

WHY DOES PINNACLE ACTUARIAL RESOURCES, INC. COLLECT THIS DATA AND HOW IT IS USED?

Pinnacle Actuarial Resources, Inc. collects and uses your personal information for a variety of reasons including to operate its business, to deliver the services you have requested, to market its business and to inform you about its products, services and educational opportunities. Additionally, your personal information is used by Pinnacle Actuarial Resources, Inc. to maintain the quality of its service, and to provide general statistics regarding use of the Pinnacle Actuarial Resources, Inc. Website. In order to comply with applicable data protection law, Pinnacle Actuarial Resources, Inc. makes sure that its use of your personal information falls under one or more lawful grounds such as for the performance of a contract, for legitimate business interests, to send you direct marketing with your prior consent, or to meet its legal obligations.

i. For the Performance of a Contract or Other Legitimate Business Interests

For example, during the course of fulfilling its contractual or professional obligations to its customers, Pinnacle Actuarial Resources, Inc. may share data with trusted partners to help it perform statistical analysis, send you email or postal mail, provide customer support, or arrange for deliveries.

ii. To Market and Promote

When it has your consent, Pinnacle Actuarial Resources, Inc. uses your personal information to accurately target invitations for participation in educational opportunities. An example of an educational opportunity offered by Pinnacle Actuarial Resources, Inc. are the webinars Pinnacle Actuarial Resources, Inc. offers on a variety of topics.

When it has your consent, Pinnacle Actuarial Resources, Inc. uses your personal information to market its actuarial consulting services and to share its news, updates and thought leadership content. Examples of thought leadership content offered by Pinnacle Actuarial Resources, Inc. include blogs, white papers and monographs. Pinnacle Actuarial Resources, Inc. also uses your personal information to inform you of other products or services available from Pinnacle Actuarial Resources, Inc. and its affiliates. Pinnacle Actuarial Resources, Inc. may also contact you via surveys to conduct research about your opinion of current services or of potential new services that may be offered.

Additionally, Pinnacle Actuarial Resources, Inc. keeps track of the websites and pages its customers visit within Pinnacle Actuarial Resources, Inc. to determine what Pinnacle Actuarial Resources, Inc. services are the most popular. This data is used to deliver customized content and advertising within Pinnacle Actuarial Resources, Inc. to customers whose behavior indicates that they are interested in a particular subject area.

     

iii. To Meet Pinnacle Actuarial Resources, Inc.’s Legal Obligations

When required by law or where Pinnacle Actuarial Resources, Inc., believes it is necessary to protect its legal rights, interests or the interests of others, Pinnacle Actuarial Resources, Inc. may use personal information in connection with legal claims, compliance and for regulatory and audit purposes.

PINNACLE ACTUARIAL RESOURCES, INC.’S USE OF COOKIES

The Pinnacle Actuarial Resources, Inc. Website uses "cookies" to help you personalize your online experience and simplify navigation of the Website.

The Pinnacle Actuarial Resources, Inc. Website does not require the use of cookies, and visitors and users have the ability to accept or decline cookies. If you choose to decline cookies, you may not be able to fully experience the interactive features of the Pinnacle Actuarial Resources, Inc. Website.

HOW DOES PINNACLE ACTUARIAL SERVICES, INC. OBTAIN YOUR DATA

Pinnacle Actuarial Resources, Inc. collects your personal data through personal contacts as well as via its website registration form. It also collects your personal data through participation in prior Pinnacle Actuarial Resources, Inc. events and through permitted industry event mailing lists.

Pinnacle Actuarial Resources, Inc. may also collect information through means such as cookies, website session information (e.g. IP address, browser type, domain names, access times and referring), or third-party data and combine this with personal information maintained by Pinnacle Actuarial Resources, Inc.

Pinnacle Actuarial Resources, Inc.’s customers consent to provide this personal information when they complete a User Registration at Login or submit their resume in consideration for a position on the Careers Page of the Website.

HOW LONG DOES PINNACLE ACTUARIAL RESOURCES, INC. RETAIN THE DATA IT COLLECTS?

The personal data users submit to Pinnacle Actuarial Resources, Inc. will only be retained for as long as is required for the purposes for which it was collected. Contact information about visitors used for mailing lists is kept until a user unsubscribes to the publication or requests that we delete their information. Users can “unregister” and delete their information directly from the Pinnacle Actuarial Resources, Inc. Website.

Resumes of candidates for employment with Pinnacle Actuarial Resources, Inc. are maintained by Pinnacle Actuarial Resources, Inc. and disposed of when the candidate is no longer under consideration for employment or the resume is considered outdated by Pinnacle Actuarial Resources, Inc.’s Human Resources department.

SECURITY OF YOUR PERSONAL INFORMATION

Pinnacle Actuarial Resources, Inc. has implemented generally accepted industry standards of technology, operational security, and best practices in order to protect the personal information it collects from loss, misuse, alteration or destruction. Only authorized Pinnacle Actuarial Resources, Inc. personnel are provided access to personal information and these employees have agreed to maintain the confidentiality of this information.

Please be advised that no method of transmission over the Internet, or method of electronic storage, is 100% secure. Therefore, Pinnacle Actuarial Resources, Inc. cannot guarantee the absolute security of your personal information.

DOES PINNACLE ACTUARIAL RESOURCES, INC. SHARE YOUR DATA WITH THIRD PARTIES?

Pinnacle Actuarial Resources, Inc. does not sell, rent or lease its customer lists to third parties. Pinnacle Actuarial Resources, Inc. may, from time to time, contact you on behalf of its external business partners about an offering that may be of interest to you. In those cases, your unique personal information is not transferred to the third party. In addition, Pinnacle Actuarial Resources, Inc. may share data with trusted partners to help us perform statistical analysis, send you email or postal mail, provide customer support, or arrange for deliveries. All such third parties are prohibited from using your personal information except to provide these services to Pinnacle Actuarial Resources, Inc. and they are required to maintain the confidentiality of your information.

In the event of the sale of all or substantially all of its business or another similar transaction, Pinnacle Actuarial Resources, Inc. may transfer or disclose your personal information to a purchaser or a prospective purchaser, who may collect, use and disclose such information for the purposes of valuing the proposed transaction or operating and managing the affairs of the acquired business or for other purposes identified in this Policy.

Pinnacle Actuarial Resources, Inc. does not use or disclose sensitive personal information, such as race, religion, or political affiliations, without your explicit consent.

Pinnacle Actuarial Resources, Inc. reserves the right to disclose your personal information as required by law or in the good faith belief that such action is necessary to: (a) conform to the edicts of the law or comply with legal process served on Pinnacle Actuarial Resources, Inc. or its website; (b) protect and defend the rights or property of Pinnacle Actuarial Resources, Inc.; and, (c) act under exigent circumstances to protect the personal safety of users of Pinnacle Actuarial Resources, Inc. or the public.

Pinnacle Actuarial Resources, Inc.’s website may contain links to websites operated by third parties. These third-party websites may collect your personal information. This policy does not apply to the practices of third parties and Pinnacle Actuarial Resources, Inc. does not assume any responsibility for the actions, practices and omissions of third parties. By using Pinnacle Actuarial Resources, Inc.’s website and/or accessing a third parties’ website from Pinnacle Actuarial Resources, Inc.’s website, you release Pinnacle Actuarial Resources, Inc. from any responsibility for the actions, practices and omissions of third parties. Please check the privacy policy at each website you visit.

CHANGES TO THIS POLICY

Pinnacle Actuarial Resources, Inc. may occasionally update this Policy to reflect company and customer feedback. If Pinnacle Actuarial Resources, Inc. makes any changes, it will notify you by revising the “Last Updated” date at the top of this Policy and, in some cases, it may provide you with additional notice (such as adding a statement to its home page or sending you an email notification). If there are material changes to this Policy, Pinnacle Actuarial Resources, Inc. will notify you more directly by email or means of a notice on the homepage prior to the change. Pinnacle Actuarial Resources, Inc. encourages you to periodically review this Policy to be informed of how Pinnacle Actuarial Resources, Inc. is protecting your information.