If this Site uses cookies, certain pages of the Site may not function properly if the cookies are turned off.  Please consult your web browser's Help documentation for more information about how to turn cookies on and off for your browser. Cookies are placed on your computer, and accordingly we neither store cookies on our computers nor forward them to any external parties.
The information that may be maintained by a cookie is used by Marsh solely to help us manage the Site, improve features of the Site and understand usage patterns. This may include such items as: username, the pages visited on the Site; the date and time of the visit; the internet address of the referring site; the version of browser used; the capabilities of the browser; and the search terms used on our search engines.  

Discussion Forum and Chat Room Use

If you participate in a Marsh discussion forum or chat room, you should be aware that the information you provide there will be made available to Marsh employees and other users of the service. Also, please recognize that the individual forums and chat rooms may have additional rules and conditions. Each participant’s opinion on a forum or chat room is his or her own and should not be considered as reflecting the opinion of Marsh.

Disclosure or Use of Personal Information

We will not exchange or sell 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 policy: 

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

• 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 substantially all of Marsh assets were acquired, your Personal Information may be one of the transferred assets.

Legal Matters

Marsh may preserve and has the right to disclose without your prior permission any information about you or your use of this Site 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, employees, other users of this Site, or the public; (b) Enforce the terms and conditions that apply to use of this site, or (c) Respond to claims that any content violates the rights of third-parties. We may also disclose information as we deem necessary to satisfy any applicable law, regulation, legal process or governmental request.

External Links

Marsh includes links to other websites whose privacy policies we do not control. Once you leave our servers (you can tell where you are by checking the URL in the location bar on your browser), use of any information you provide is governed by the privacy policy of the operator of the site you are visiting. That policy may differ from ours. If you can't find the privacy policy of any of these sites via a link from the site's homepage, you should contact the site directly for more information.

Information Storage and Security

Information collected through this Site is processed and stored in the United States. If you are located outside the United States, by providing information to Marsh through the use of the Site you are consenting to the transfer of the information to the United States for processing in accordance with this Privacy Policy. We have in place physical, electronic, and procedural safeguards appropriate to the sensitivity of the Personal Information we collect, use, and maintain. However, as effective as our security measures are, no security system is impenetrable. We cannot guarantee the security of our database, nor can we guarantee that information you supply will not be intercepted while being transmitted to us over the Internet. We ask that you do your part by maintaining in strict confidence any computer passwords you use to access the Internet or this Site.

Information Related To Employment

This Site may provide an opportunity to submit your résumé or an application form to us or apply for a position through this Site.  If you submit information for such purposes, we will use (which may include transferring) the Personal Information you provide to evaluate your qualifications and contact you regarding any positions at Marsh or any of its affiliated companies in which we believe you may be interested.

Marsh Inc. is Not Interested in Minors

You must be at least 18 years old and possess the legal authority to form legally binding contracts under applicable law to use this Site and the services provided on it. Marsh does not knowingly collect Personal Information from those under the age of 18. In an instance where such information was collected, it would be purely accidental and unintentional. Marsh encourages parents to discuss the Internet with their children and monitor Personal Information that a child may provide via the Internet.

Policy Updates

This privacy policy was last updated on December 12, 2005. We may update this privacy policy from time to time.  When we do so, changes in our privacy policy will be effective immediately. If you are a regular visitor to this Site, we recommend that you check this privacy policy on a regular basis.

Contact Information

1) Privacy Policy Questions regarding this Privacy Policy should be directed to privacy@marsh.com or by contacting Marsh at:

Marsh
Attn: Privacy Official
Marsh Global Compliance
1166 Avenue of Americas, 22nd Floor
New York, NY 10036

2) Opting Out If when using this Site, you have previously furnished us with contact information but now do not want to receive further communications which are not necessary to provide you with services, please let us know by filling out and submitting our opt-out form.