General
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 and interact with our websites, mobile applications, our products and services (collectively “Services”), how we use it, the conditions under which we may disclose it to others and how we keep it secure.Contacting Us/Questions. Any questions regarding this Privacy Policy (the “Policy”) and our privacy practices should be sent by email to info@mdrt.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 65,000 of the world's leading life insurance and financial services professionals from more than 500 companies in 70 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.
Changes to This Policy. We will post any modifications or changes to the Policy and provide notice 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, including personal information, about you when you use our Services such as when you 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. “Personal information” is generally defined as any information that can reasonably identify an individual or household.
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 Services which may include 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 Services, 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. 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.
GOOGLE ANALYTICS
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.
GOOGLE RECAPTCHA
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/.
WHAT WE DO WITH THIS INFORMATION
MDRT processes personal information collected through the Services on the lawful basis of legitimate interests to provide the Services to you. Such processing is necessary for the purposes of the legitimate interests pursued by MDRT or by our Service Providers related to the Services.
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 and communications provide instruction on 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 outside of as disclosed in this Policy.
We may share your personal information as follows:
Our Service Providers. MDRT works with various organizations and individuals to help provide the Services to you (“Service Providers”), such as website and data hosting companies and companies providing analytics information, like Google Analytics. We may share your personal information with our Service Providers for the purpose of providing the Services. The information we share to our Service Providers may include both information you provide to us and information we collect about you, including personal information and information from data collection tools like cookies, web beacons, log files, Unique Identifiers, and general location data. MDRT takes reasonable steps to ensure that our Service Providers are obligated to reasonably protect your information on MDRT’s behalf. If MDRT becomes aware that a Service Provider is using or disclosing information improperly, we will take commercially reasonable steps to end or correct such improper use or disclosure.
Business Transactions. MDRT may purchase other businesses or their assets, sell our business assets, or be involved in a bankruptcy, merger, acquisition, reorganization or sale of assets (a “Business Transaction”). Your information, including personal information, may be among assets sold or transferred as part of a Business Transaction.
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.
ANONYMOUS DATA
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 information we receive about you and other individuals whose personal information we collect. Anonymous data might include analytics information and information collected by us using cookies. We make personal information 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.
DATA RETENTION
We will only retain your personal information 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 information, we consider the amount, nature, and sensitivity of the personal information, the potential risk of harm from unauthorized use or disclosure of your personal information, the purposes for which we process your personal information and whether we can achieve those purposes through other means, and the applicable legal requirements.
We may store the information we collect about you indefinitely, or as otherwise required by law. Following termination or deactivation of a MDRT Account, MDRT may retain your information and content for a commercially reasonable time for backup, archival, and audit purposes.
INFORMATION CHOICES AND CHANGES
MDRT acknowledges several U.S. state consumer data protection laws that govern the use and rights related to your personal information. As a non-profit entity, we grant all individuals certain rights regarding the personal information we collection, share, and store in addition to the rights required by law.
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 at memberrelations@mdrt.org or the contact information provided under the “Contact MDRT” Heading.
Amend. You can also contact us to update or correct any inaccuracies in your personal information.
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. However, please note you may not opt-out of Services-related communications, such as account verification, changes or updates to features of the Services, or technical and security notices.
Please note requests to delete or remove your information do not necessarily ensure complete or comprehensive removal of the content or information posted, and removed information may persist in backup copies indefinitely.
If you wish to exercise any of these rights, please contact us at the information provided under the “Contact MDRT” heading.
When making requests, please make clear which of the above rights you wish to exercise, and include your email address, full name, and your specific information about your request(s). If you would like to amend or correct your email address, street address or other personal information with us, please include specific details about the information you wish to have updated or corrected. We will review and respond to 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).
- the right to access;
- right to rectification;
- the right to erasure;
- the right to restrict processing;
- the right to object to processing;
- the right to data portability;
- the right to complaint to a supervisory authority; and
- the right to withdraw consent.
We generally process personal information of those residing in the EEA, UK, and Switzerland on the legal basis of performing the function or service you requested. Where appropriate, we may rely on alternate legal bases, such as your consent to certain types of processing. Where we process your personal information on the basis of consent, we will clearly obtain your opt-in consent.
Where you have provided consent to certain data processing, you have the right to withdraw that consent at any time by contacting us. A withdrawal of consent will not affect the validity of our use of your personal information up until the point you have withdrawn your consent.
More information about your rights relating to MDRT and the Services is provided via this Policy. MDRT welcomes you to contact us regarding the information we have collected about you, including regarding the nature and accuracy of the data that has been collected about you, to request an update, modification, or deletion of your information, to opt-out of certain Services uses of your information, or to withdraw any consent you may have granted to MDRT.
Do Not Track. MDRT does not currently employ a process for automatically responding to “Do Not Track” (DNT) signals sent by web browsers, mobile devices, or other mechanisms. Per industry standards, third parties may be able to collect information, including personal information, about your online activities over time and across different websites or online services when you use Services. You may opt out of online behavioral ads at http://www.aboutads.info/choices/. You also may limit certain tracking by disabling cookies in your web browser.
Information Security. MDRT takes reasonable efforts to secure and protect the privacy, accuracy, and reliability of your personal information and to protect it from loss, misuse, unauthorized access, disclosure, alteration and destruction. MDRT implements security measures as we deem appropriate and consistent with industry standards. As no data security protocol is impenetrable, MDRT cannot guarantee the security of our systems or databases, nor can we guarantee that personal information we collect about you will not be breached, intercepted, destroyed, accessed, or otherwise disclosed without authorization. Accordingly, any information you transfer to or from Services is provided at your own risk.
Please do your part to help us keep your personal information secure. You are responsible for maintaining the confidentiality of your password and MDRT account, and are fully responsible for all activities that occur under your password or MDRT account. MDRT specifically reserves the right to terminate your access to the Services and any contract you have with MDRT related to the Services in the event it learns or suspects you have disclosed your MDRT account or password information to an unauthorized third party.
ADDITIONAL PROVISIONS REGARDING THE SERVICES & YOUR INFORMATION
Transfer And Storage Of Your Information. Please note information MDRT collects about you may be transferred, processed and/or accessed by us in the United States, or another country where we, or our Service Providers operate. Please be aware personal information may be transferred to, and maintained on, computers located outside of your state or country where privacy laws may differ from and may not be as protective as those where you live. If you are located outside the United States and choose to allow us to collect information about you, please be aware that MDRT may transfer your personal information to the United States and process and store it there.
If you are located in the European Economic Area (“EEA”) or other regions with laws governing data collection and use that may differ from U.S. law, please note that we may transfer information to a country or jurisdiction that does not have the same data protection laws as your jurisdiction, as disclosed in this Privacy Policy. It may also be processed by staff operating outside the EEA who work for us or for one of Service Providers, also as disclosed.
Website Hosting: MDRT works with the following companies for its website hosting services:
Amazon Web Services
https://aws.amazon.com
410 Terry Avenue North
Seattle, WA 98109-5210
USA
Microsoft Corporation
https://microsoft.com
One Microsoft Way
Redmond, Washington 98052
USA
MDRT shares your data, including personal information, with our website hosting Service Provider for the purposes of processing your data pursuant to your use of the Services.
Data Hosting: MDRT works with the following companies for its data hosting services:
Amazon Web Services
https://aws.amazon.com
410 Terry Avenue North
Seattle, WA 98109-5210
USA
Microsoft Corporation
https://microsoft.com
One Microsoft Way
Redmond, Washington 98052
USA
Branch Metrics, Inc.
https://branch.io
1400 Seaport Blvd
Building B, 2nd Floor
Redwood City, CA 94063
USA
Google (Firebase, Play)
https://firebase.google.com
https://play.google.com/store
1600 Amphitheatre Parkway
Mountain View, CA 94043
USA
Apple App Store
https://www.apple.com/ios/app-store/
One Infinite Loop
Cupertino, CA 95014
USA
DevBridge Group
https://devbridge.com
350 North Orleans #7500-S
Chicago, IL 60654
Eight Bit Studios
https://eightbitstudios.com
350 W Erie St #300
Chicago, IL 60654
USA
MDRT shares your data, including personal information, with our website hosting Service Provider for the purposes of processing your data pursuant to your use of the Services.
Safely Using MDRT’s Services. Despite MDRT’s safety and privacy controls, we cannot guarantee the Services are entirely free of illegal, offensive, pornographic, or otherwise inappropriate material, or that you will not encounter inappropriate or illegal conduct from other Users when using the Services. You can help MDRT by notifying us of any unwelcome contact by contacting us using the information below.
YOUR CALIFORNIA PRIVACY RIGHTS
Under California Civil Code Section 1798.83 (known as the “Shine the Light” law), MDRT members and customers who are residents of California may request certain information about our disclosure of personal information during the prior calendar year to third parties for their direct marketing purposes. To make such a request, please write to us at the address below or at info@mdrt.org with “Request for California Privacy Information” on the subject line and in the body of your message. We will comply with your request within thirty (30) days or as otherwise required by the statute. Please be aware that not all information sharing is covered by the “Shine the Light” requirements and only information on covered sharing will be included in our response.
APPLICABILITY & ELIGIBILITY
Applicability. This Policy applies only to the Services, and MDRT’s collection, use, disclosure, and protection of your data. It does not apply to third party websites, applications, or services.
Before accessing, using, or interacting with the Services you should carefully review the terms and conditions of this Policy.
Eligibility To Use The Services. The Services are not directed to children under the age of 16. You may not use the Services if you are under the age of 16.
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.
THANK YOU
Thanks for using MDRT’s Services, and for reviewing our Privacy Policy. We welcome your comments or questions about this policy. If you have any feedback, we encourage you to contact us.
Contact MDRT
Data Protection Officers
Singapore:
Gina van Dijk
Senior Director, Global Markets
MDRT Asia Pacific Headquarters
Fraser Tower, 182 Cecil Street, Level 17,
Office 28-29, Singapore 069547
Main +65 6956 9120
All other locations:
Jim Unander
Senior Director – Information Technology
325 West Touhy Avenue
Park Ridge, IL 60068
847.692.6378
junander@mdrt.org