Privacy Policy

Delaware Captive Insurance Association (“DCIA”) respects the privacy of every individual who visits our websites ("DCIA Website"). This Privacy Policy outlines the information DCIA will collect and how we will use that information. This Policy will also instruct you on how you can verify the accuracy of your personally identifiable information submitted to DCIA through our websites and how you can opt-out.

By accessing the DCIA Website you accept this Privacy Policy ("Privacy Policy").

If you do not agree to this Privacy Policy, do not proceed to further web pages of the DCIA Website.

This Privacy Policy is effective as of May 25, 2018 and will remain in effect except with respect to any changes in its provisions in the future, which will be in effect immediately after being posted on this page. DCIA reserves the right to update or change our Privacy Policy at any time and we encourage you to review this Privacy Policy periodically. Your continued use of the DCIA Website after we post any modifications to the Privacy Policy on this page will constitute your acknowledgment of the modifications and your consent to abide and be bound by the modified Privacy Policy.

What are the purpose and the scope of this Privacy Policy?

DCIA is committed to safeguarding the personal information that we collect from individuals who use the DCIA Website. Accordingly, DCIA has developed this Privacy Policy to describe how and what type of data will be collected from users of the DCIA Website and the purposes for which DCIA may collect, share or disclose the data. DCIA also outlines reasonable precautions which are taken to keep your data secure.

This Privacy Policy applies to any information obtained by DCIA through your use of the DCIA Website. It is not applicable to any Internet websites controlled by third parties not affiliated with DCIA that the DCIA Website may link to ("Third Party Sites"). Please review the privacy statements of Third Party Sites as DCIA is not responsible for and has no influence on the content or the privacy practices of Third Party Sites.

What information do we collect from you and for what purpose?

When you visit the DCIA Website, our web server automatically records details about your visit (for example, your IP address, the website from which you visit us, the type of browser software used, the DCIA Website pages that you actually visit including the date and the duration of your visit).

In addition, we collect personal data (“Personal Data”) which you provide through the DCIA Website, for example when you enter personal details (e.g., name, gender, address, e-mail address, phone/fax number) on a registration page or if you sign up for an email newsletter.

DCIA will use your Personal Data:

  • for the purposes of technical administration and research & development of the DCIA Website;
  • for customer and user administration and marketing;
  • to inform you about our services and products; and
  • for such purposes as otherwise specified.

DCIA respects applicable laws and regulations in its use of Personal Data.

How do we collect and store information from you?

DCIA uses tracking technology such as cookies or tags to gather information as outlined above (see: "What information do we collect from you and for what purpose?") to understand how visitors use the DCIA Website.

Tracking technology helps us manage and improve the usability of the DCIA Website, for example by detecting whether there has been any prior contact between your computer and us and to identify the most popular sections of the DCIA Website.

This website may use a technology called a "cookie.” A cookie is a small data file that a website can place on your computer’s hard drive, where your browser files are kept. A cookie saves you the trouble of reentering certain information in some registration areas because cookies can be used to enable a website to “remember” information a visitor has previously inputted. A cookie also helps deliver content specific information to you and track how areas of the website are used. With most browsers you can change your browser settings to remove cookies from your computer hard drive, block cookies, or receive a warning before a cookie is stored. Please check your browser instructions for more information about these functions. If you reject cookies, the functionality of the website may be limited, and you may not be able to take advantage of many of the website's features.

When you save your cookie settings, they should also apply to your future visits to the DCIA Website. However, for technical reasons beyond DCIA ’s control, this cannot be guaranteed. For example, if you reset your browser, delete your cookies, or access the DCIA Website from another browser or device, your cookie settings may be lost. To comply with applicable laws and regulations, you may be asked to confirm your cookie settings when you first visit the DCIA Website. If you are in a country where you are automatically required to set your cookie settings, you may be asked to set them again on a future visit.

To whom do we disclose your information collected from the DCIA Website?

DCIA may disclose your information to its affiliates and its and their agents and third-party providers inside or outside your country of residence to perform services for DCIA and for the purposes stated above. Our affiliates, agents and third-party providers who have access to Personal Data obtained through the DCIA Website are obliged to respect privacy.

We may also disclose your information to governmental agencies or entities, regulatory authorities, or other persons in accordance with any applicable law, regulations, court order or official request, or under any and for the purposes of any guidelines issued by regulatory or other authorities, or similar processes as either required or permitted by applicable law.

What security measures have we implemented to protect your information collected through the DCIA Website?

DCIA has implemented reasonable technical and organizational security measures to protect your Personal Data collected by DCIA via the DCIA Website against unauthorized access, misuse, loss or destruction.

How will we ensure your information is accurate, complete and if requested deleted?

DCIA will take commercially reasonable steps to ensure that your Personal Data is kept accurate, complete, and up-to-date. If any of the Personal Data DCIA holds about you is inaccurate, incomplete or out-of-date, please contact DCIA immediately using the contact details at the end of this Privacy Policy.

DCIA shall recognize any valid requests from individuals to delete their Personal Data from use for any reason and has systems and procedures in place to comply with a request for deletion. Any such requests should be made by contacting DCIA directly using the contact details at the end of this Privacy Policy.

What is our policy regarding security and retention of your Personal Data?

Personal Data DCIA holds is stored either in hard copy documents or as electronic data. DCIA uses generally accepted industry standard and reasonable security measures to protect any Personal Data held in any form from misuse, loss, unauthorized access, modification, and/or disclosure.

DCIA shall retain your Personal Data only so long as it is necessary for the purposes set out in this policy, or for as long as your account or membership is active (if applicable). We respect requests we receive from individuals wishing to exercise their data protection rights in accordance with applicable data protection laws. We reserve the right to keep certain information in our archives that we deem necessary to comply with any legal obligations we may have, resolve disputes and enforce contractual agreements.

How do we transfer and store data?

While every effort is made to comply with the laws and regulations of all jurisdictions in which the DCIA Website may be accessed, please be advised that the DCIA Website are directed towards users who reside in the United States. The servers on which data is stored, including any Personal Data, are located in the United States, and the DCIA Website comply with relevant laws and regulations under United States law, as explained in this Privacy Policy. By continuing to use the DCIA Website you hereby consent to your information being collected, stored, and used in the United States, as stated in this Privacy Policy.

If you are an individual located in the European Economic Area, the UK, Canada, or another jurisdiction outside of the United States with laws and regulations governing Personal Data collection, use, and disclosure that differ from United States laws, please be aware that information we collect (including through the use of methods such as cookies and other web technologies) will be processed and stored in the United States or in other countries where we or our third-party services providers have operations. By submitting your personal information to DCIA, you expressly consent to having your Personal Data transferred to, processed, and stored in the United States or another jurisdiction which may not offer the same level of privacy protection as those in the country where you reside or are a citizen.

DCIA will only transfer or share Personal Data to the extent it is necessary to fulfill the purpose outlined in this Privacy Policy and your data will be processed in accordance with the provisions set out in this Privacy Policy.

How do we treat electronic messages sent to and from DCIA?

All e-mails sent to and from DCIA are automatically retained in a distinct journaling system which preserves the evidential weight of the e-mails. They are protected by reasonable technical and organizational measures and may only be accessed in justified cases in line with applicable laws and regulations (e.g., court order, suspicion of criminal conduct, violation of regulatory obligations, material breach of employment contract) to specific persons in defined functions (e.g. legal, compliance, risk). Every step of the process, as well as the search criteria used, are logged in an audit trail. All emails are disposed of after the applicable retention period has expired.

What should you consider when sending data over the Internet?

The Internet is generally not regarded as a secure environment, and information sent via the Internet (such as to or from the DCIA Website or via electronic message) may be accessed by unauthorized third parties, potentially leading to disclosures, changes in content or technical failures. Even if both sender and receiver are located in the same country, information sent via the Internet may be transmitted across international borders and be forwarded to a country with a lower data protection level than exists in your country of residence.

Please note that we accept no responsibility or liability for the security of your information whilst in transit over the Internet to DCIA. In order to protect your privacy, we would like to remind you that you may choose another means of communication with DCIA, where you deem it appropriate.

How do we deal with information from individuals under the age of 18?

DCIA Website does not seek to collect Personal Data from individuals under the age of 18. Individuals under the age of 18 should receive permission from their parent or legal guardian before providing any Personal Data to DCIA on the DCIA Website.

How can you access or review your Personal Data?

You may:

  • check whether we hold your Personal Data,
  • ask us to provide you with a copy of your Personal Data, or
  • require us to correct any of your Personal Data that is inaccurate.

Should you have a request regarding the processing of your Personal Data please send a letter to the following address:

DCIA
4023 Kennett Pike | Box 801
Wilmington, DE 19807
Telephone: 888-413-7388
webmaster@delwarecaptive.org www.delawarecaptive.org

Any disputes that arise out of your use of the DCIA Website shall be resolved according to the laws of the state of South Carolina, USA and shall be governed by the Terms of Use available here.