Privacy Notice

Marsh LLC (“Marsh”) believes strongly in protecting the privacy of Internet users who visit our website, located at www.marsh.com (the "Site”). This Privacy statement is intended to inform you of the ways in which this Site collects personal information, the uses to which that information will be put, and the ways in which we will protect any personal information you choose to provide us. Generally, personal information is information that can be used to identify you or your activities on the Site or through services offered on the Site.

This Privacy statement applies solely to data collected via the Site. There may be additional personal (and other) information that we have or collect about you or your company pursuant to other relationships which is subject to other agreements and rules.

What Data Do We Collect?

The information collected by Marsh through the Site falls into two categories: (1) information voluntarily supplied by visitors to our Site and (2) information gathered via automated means as visitors navigate through our Site.

Information Voluntarily Provided by You:

In the course of using this Site, you may choose to provide us with information to help us serve your needs. For example, you may provide us your e-mail address to request information, or you may send us your mailing address so we may send you the material you have requested. Any personal information you send us will be used only for the purpose indicated on the Site or in this statement.

Information Collected by Automated Means:

We use various tools to enhance the Site user experience and track users of the Site, including cookies and web beacons. Cookies are small pieces of text that a website places on your computer to help remember information about your visit. Web beacons are tiny graphics with a unique identifier that are embedded invisibly on the web pages. Neither cookies nor web beacons can read data off your computer's hard drive or collect your personal information. We use information collected from cookies and web beacons to improve your experience and the overall quality of our services. We may also use cookies and web beacons to collect information from third parties (such as Google) to help advertise our products and services, to analyze the effectiveness of our marketing or the performance of this Site, and to determine whether you may be interested in other products or services. We also use web beacons to help deliver cookies and compile analytics. Our cookies and web beacons may also come from third-party service providers who have permission to place such tools on our site.

You can refuse to accept and delete cookies by adjusting your browser setting. Please note that refusing or deleting cookies may impact your browsing experience on the Site or prevent you from using some of its services, and it may result in the deletion of any preferences you have set. For more information on how to reject or delete cookies, you should consult with your browser's or device’s help documentation or visit www.aboutcookies.org. The Company does not use technology that recognizes do-not-track signals from your browser. You can also opt out of Internet-based advertising by installing a browser plugin from the third party where available. For more information about interest-based advertising, please see: http://www.networkadvertising.org/managing/opt_out.asp.

In addition, in the course of ensuring network security and consistent service for all users, Marsh employs software programs to do such things as monitor network traffic, identify unauthorized access or access to nonpublic information, detect computer viruses and other software that might damage Marsh’s computers or the network, and monitor and fine-tune the performance of Marsh network and this Site. In the course of such monitoring, these programs may detect additional information from your computer such as your IP address, addresses from network packets, and other technical information. Any such information is used only for the purpose of maintaining the security and performance of Marsh’s networks and computer systems.

How Do We Use the Data We Collect?

We will use the information provided by you in order to serve your needs. This may include things such as sending you electronic or written materials or, for example, if you supply us with your telephone number, you may receive telephone contact from us in response to your request.

Do We Share Your Data?

We will not sell, exchange, or otherwise distribute your personal information without your consent, except to the extent required by law, in accordance with your instructions, or as identified in this Privacy statement:

Affiliates: Our affiliates to enable them to provide services to you and to enable them to contact you regarding additional products and services in which you have expressed an interest.

Agents and Service Providers: We sometimes contract with other companies and individuals to perform functions or services for us or on our behalf, such as hosting this Site, sending e-mail messages, and making phone calls. They may have access to personal information, such as addresses, needed to perform their functions, but are contractually restricted from using it for purposes other than providing services for Marsh or on our behalf.

Business Transfers: As we continue to develop our business, we might sell or buy assets. In such transactions, user information generally is one of the transferred business assets. Also, if either Marsh itself or any of Marsh’s assets were acquired, your personal information may be one of the transferred assets.

Legal Matters: The Company may preserve, and has the right to disclose, any information about you or your use of this Site without your prior permission if Marsh has a good faith belief that such action is necessary to: (a) protect and defend the rights, property, or safety of Marsh or its affiliates, other users of this Site, or the public; (b) enforce the terms and conditions that apply to use of this Site; (c) respond to claims that any content violates the rights of third parties; (d) respond to claims of suspected or actual illegal activity; (e) respond to an audit or investigate a complaint or security threat; or (f) comply with applicable law, regulation, legal process, or governmental requests.

What Steps Do We Take to Protect Your Information?

This Site and all information that you submit through this Site is collected, stored, and processed in the United States within Company-controlled databases. We restrict access to your personal information to those employees of ours, and our affiliates, and to those service providers who need to use it to provide this Site and our products or services. We have implemented physical, administrative, and technical safeguards to protect your personal information from unauthorized access. However, as effective as our security measures are, no security system is impenetrable. We cannot guarantee the security of our systems, nor can we guarantee that information you supply will not be intercepted while being transmitted to us over the Internet.

Some Other Matters

Accessing and Correcting Your Information:

Keeping your information accurate and up-to-date is very important. Inaccurate or incomplete information could impact our ability to deliver relevant services to you. Please let us know about any changes that may be required to your personal information via our “contact us” form.

External Links:

This Site includes links to other sites that are operated by organizations other than Marsh. If you access another organization’s website using a link provided, the other organization may collect information from you. The Company is not responsible for the content or privacy practices of linked websites or their use. Once you have left this Site via such a link (you can tell where you are by checking the URL in the location bar on your browser), you should refer to those websites' privacy policies, terms of use, and practices to determine how they will handle any information they collect from you.

Applicability of This Privacy Statement to International Users:

This Privacy statement is provided in accordance with and subject to U.S. law. If you access this site from a location outside of the United States, you agree that your use of this site is subject to the terms of this Privacy statement and the Terms of Use.

Children:

This site it not intended for children, and we do not knowingly collect, use, or disclose information of children under the age of thirteen (13) without the consent of their parents or legal guardians. In an instance where such information was collected, it would be purely accidental and unintentional.

Rights of California Residents:

Under California’s “Shine the Light” law, Site visitors who are California residents may request and obtain a notice once a year about the personal information Marsh shared with other businesses for their own direct marketing purposes. Such a notice will include a list of the categories of personal information that was shared (if any) and the names and addresses of all third parties with which the personal information was shared (if any). The notice will cover the preceding calendar year. To obtain such a notice, please contact us as described below. In addition, under this law you are entitled to be advised how our Site handles “do not track” browser signals. As described above, Marsh does not use technology that recognizes do-not-track signals from your browser.

Changes to Privacy Statement

The Privacy statement is subject to change at any time. It was last changed on January 13, 2015. If we make changes to this Privacy statement, we will update the date it was last changed. Any changes we make to this Privacy statement become effective immediately when we post the revised Privacy statement on this site. We recommend that you review this Privacy statement regularly for changes.

Questions or Concerns?

If you have any questions, concerns, or complaints about this Privacy statement, or our privacy practices in general, they should be directed to Marsh via our contact us form or by contacting Marsh at:

Marsh

Corporate Communications

1166 Avenue of Americas

New York, New York 10036-2774

USA