Last updated September 2018
At Million Dollar Round Table, we are committed to protecting and respecting your privacy. This Policy explains when and why we collect personal information about people who use our websites, how we use it, the conditions under which we may disclose it to others and how we keep it secure.
We may change this Policy from time to time so please check this page occasionally to ensure that you are happy with any changes. By using our website, you’re agreeing to be bound by this Policy.
Any questions regarding this Policy and our privacy practices should be sent by email to firstname.lastname@example.org or by writing to Million Dollar Round Table, 325 West Touhy Road, Park Ridge, IL, 60068-4265, United States. Alternatively, you can telephone +1.847.692.6378.
PARTICULARLY IMPORTANT INFORMATION
Who We Are. Founded in 1927, the Million Dollar Round Table (MDRT), The Premier Association of Financial Professionals®, is a global, independent association of more than 62,000 of the world's leading life insurance and financial services professionals from more than 500 companies in 69 countries. MDRT members demonstrate exceptional professional knowledge, strict ethical conduct and outstanding client service. MDRT membership is recognized internationally as the standard of excellence in the life insurance and financial services business. MDRT has a number of affiliated organizations including MDRT Academy and MDRT Foundation. All references to MDRT in this policy shall include these organizations as well.
For the purpose of applicable data protection legislation, the data controller of your personal information is Million Dollar Round Table.
Contacting Us. You may contact us through our website at www.mdrt.org, via email at email@example.com, via phone at +1.847.692.6378 or via mail: 325 West Touhy Avenue, Park Ridge, IL, 60068, United States.
Changes to This Policy. We will post any modifications or changes to the Policy on our websites. We reserve the right to modify the policy at any time, so we encourage you to review it frequently. The "Last Updated" legend above indicates when this Policy was last changed.
HOW WE COLLECT INFORMATION FROM YOU
We obtain information about you when you use our websites, join our organization, contact us about products and services, make a purchase or donation, or leave comments on any of our websites or mobile applications.
WHAT TYPE OF INFORMATION WE COLLECT FROM YOU
There is a range of information we need to collect about you so that we may serve our members and visitors. This information may include:
Information You Give Us. We collect information provided through our application which includes name, address, company, and production information. If you provide it, we also collect information about your business and expertise, languages you speak/read, and goals for the months and year ahead.
Information We Get From Others. We may get information about you from other sources. For example, companies you work with may provide us with verification of production for the year. We will receive information about grants you have applied for and orders you have made through our meeting registration vendors and store affiliates.
Information Automatically Collected. We automatically log information about you and your device. For example, our websites log your IP address, operating system type, browser type, the referring website, pages you viewed, and access times. We also collect information about actions you take when using our sites, such as authors you follow, comments you make on posted materials, and the resources you have viewed and liked.
Cookies. We may log information using "cookies." Cookies are small data files stored on your device by a website. We may use both session cookies (which expire once you close your web browser) and persistent cookies (which stay on your device until you delete them) to provide you with a more personal and interactive experience.
WHAT WE DO WITH THIS INFORMATION
We use the information we collect in the following ways:
- To operate, maintain, and improve our services.
- To create your account, identify you as a user and/or member, and customize your experience.
- To send you information regarding your membership, content related to the financial industry, and promotional communications. These may include your membership status, meeting information, MDRT goods and services, or sales ideas. You may opt-out of receiving such information at any time: such marketing emails tell you how to "opt-out."
- To send you administrative communications. These may include administrative emails, confirmations, technical notices, updates, and security alerts.
- To respond to your comments and questions, and provide you with support.
- To track and measure MDRT’s efforts and the effectiveness of such efforts.
- To process your payments for membership, registrations, donations, products or other services initiated by you.
- To protect, investigate, and deter against fraudulent, unauthorized, or illegal activity.
HOW WE SHARE THIS INFORMATION
It is MDRT’s policy not to share, sell or rent your personal information with third parties.
We may share your personal information as follows:
Third Parties Designated by You. We may share your personal information with third parties you have indicated as your affiliated company, agency or broker dealer.
Our Third-Party Service Providers. We may share your personal information with our third-party service providers for product fulfillment, data analysis, payment processing, information technology and related infrastructure, email delivery, and other similar services. We require that our third-party service providers use your personal information only to provide the services we've requested.
Other Disclosures. We may share personal information as we believe necessary or appropriate (a) to comply with applicable laws; (b) to comply with lawful requests and legal process, including to respond to requests from public and government authorities to meet national security or law enforcement requirements; (c) to enforce our Policy; and (d) to protect our rights, privacy, safety or property, and/or that of you or others.
When we use the term "anonymous data," we are referring to data and information that does not permit you to be identified or identifiable, either alone or when combined with any other information available to a third party.
We may create anonymous data from the personal data we receive about you and other individuals whose personal data we collect. Anonymous data might include analytics information and information collected by us using cookies. We make personal data into anonymous data by excluding information, such as your name, that makes the data personally identifiable to you. We use this anonymous data to analyze usage patterns in order to make improvements to MDRT’s websites and mobile applications.
INFORMATION THAT IS VISIBLE TO OTHER MEMBERS
Members of MDRT may search for and find contact information on other members of the organization through our directory. Information includes name, preferred name, company, title, address, email, phone and fax numbers, MDRT achievement level, status, and total MDRT membership years.
We use several types of cookies on MDRT websites and apps:
Essential Cookies. These cookies are essential to provide you with services available through our site. For example, when you sign in to MDRT websites, we may send cookies to your device so that we can identify you as a user.
Functionality Cookies. These cookies are used to remember choices you make when you use our websites, such as your country, type of business, or resource viewing history. The purpose of these cookies is to provide you with a more personalized experience.
Analytics and Performance Cookies. These cookies are used to collect information about traffic to MDRT websites and how users use the site. The information is aggregated and anonymous and does not identify any individual visitor. It includes the number of visitors to our site, the pages they visited, and other similar information. We use this information to help operate, maintain, and improve our websites.
Social Media Cookies. These cookies are used when you share information using a social media sharing button on the site or engage with our content on or through a social network such as Facebook or Twitter. The social network will record that you have done this.
You can typically remove and reject cookies from MDRT with your browser settings. For step-by-step instructions, please check your browser’s help section. Here are links for popular browsers: Chrome, Firefox, and Internet Explorer. If you remove or reject our cookies, it could affect how our sites work for you.
We use Google Analytics, a service which collects information anonymously and reports website trends without identifying individual visitors. Google Analytics uses its own cookie to track visitor interactions. To learn more about the information collected by Google Analytics, please visithttps://www.google.com/policies/privacy/.
We use Google reCAPTCHA, which identifies bots by collecting hardware and software information and sending that data to Google for analysis. To learn more about Google reCAPTCHA, please visit https://www.google.com/recaptcha/intro/invisible.html and https://www.google.com/policies/privacy/.
We will only retain your personal data as necessary to fulfill the purposes we collected it for, including for the purposes of satisfying any legal, accounting, or reporting requirements.
To determine the appropriate retention period for personal data, we consider the amount, nature, and sensitivity of the personal data, the potential risk of harm from unauthorized use or disclosure of your personal data, the purposes for which we process your personal data and whether we can achieve those purposes through other means, and the applicable legal requirements.
INFORMATION CHOICES AND CHANGES
Opt-out. You can contact us any time to opt-out of (a) MDRT promotional communications or (b) any new processing of your personal information that we may carry out beyond the original purpose. Please note that your use of some of the services found on our websites or apps may be ineffective upon opt-out.
Access. You can access the information we hold about you at any time by viewing your profile on www.mdrt.org or by contacting us directly.
Amend. You can also contact us to update or correct any inaccuracies in your personal information.
Erase and forget. In certain situations, for example when the information we hold about you is no longer relevant or is incorrect, you can request that we erase your data.
If you wish to exercise any of these rights, please contact us. In your request, please make clear (a) what personal information is concerned, and (b) which of the above rights you would like to enforce. For your protection, we may only implement requests with respect to the personal information associated with the particular email address that you use to send us your request, and we may need to verify your identity before implementing your request. We will try to comply with your request as soon as reasonably practicable.
Please note that we may need to retain certain information for recordkeeping purposes and/or to complete any transactions that you began prior to requesting the change or deletion unless a longer retention period is required or permitted by law (for example, for regulatory purposes).
When you receive promotional emails from us, you can also unsubscribe or opt-out by clicking the link at the bottom of any of the emails. You cannot opt-out of receiving administrative communications.
INTERNATIONAL DATA TRANSFER
Your information, including personal data that we collect from you, may be transferred to, stored at and processed by us and other third parties outside the country in which you reside, including, but not limited to, the United States, where data protection and privacy regulations may not offer the same level of protection as in other parts of the world. By using MDRT’s websites, you agree to this transfer, storing or processing. We will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this Policy.
We will only process your personal information in accordance with applicable data protection and privacy laws. We need certain personal information in order to provide you with access to our websites.
If you use our services while you are outside the EU, your information may be transferred outside the EU in order to provide you with those services.
OUR POLICY ON CHILDREN
MDRT is not directed at children under 16. If a parent or guardian becomes aware that their child has provided us with information without their consent, they should contact us, and we will delete such information as soon as reasonably practicable.
USER TESTIMONIALS AND FEEDBACK
We often receive testimonials and comments from users who have had positive experiences with our Services, and we occasionally publish them. We obtain the user’s consent prior to posting any feedback on a public area of the Site.