Privacy Policy


Milliman (including Milliman SRL) respects your privacy and is committed to protecting the personal information you share with us. The purpose of this Privacy Policy is to set out the principles governing our use of personal information. If you give us personal information, we will treat it according to this policy and in compliance with the EU Standard Contractual Clauses issued by the European Commission, for the transfer of personal data of Milliman SRL to processors established in third countries and for the transfer of personal data between data controllers, i.e. from Milliman SRL to Milliman Inc. in view of a subsequent use by Milliman Inc. as provided for hereunder. The policy also complies with the EU/US Privacy Shield.

Collection of Information and Security 

Aggregate information

Like many companies, we monitor the use of this Web site by collecting aggregate information. No personally identifiable data are collected in this process. Typically, we collect information about the number of visitors to the Web site, to each Web page and the originating domain name of the visitor's Internet Service Provider. This information is used to improve the usability, performance and effectiveness of the Web site.

How we collect aggregate information

In some instances, Milliman may collect aggregate data through cookies.

A "cookie" is a text-only string of information that we send to the cookie file of the browser on your computer's hard disk using our web server. They are used in order to make websites work, or work more efficiently, as well as to provide information to the owners of the website.

This website may use both strictly necessary cookies and performance cookies. Strictly necessary cookies enable you to move from page to page within the website and to use its features. These cookies are deleted when you close your browser. Performance cookies allow us to collect information, including the number of visitors to the website; where they have come to the website from; and the length of time they have spent on the website.

The majority of Web browsers accept cookies and similar files, but you can usually change the browser settings to prevent this. However, if you do so, some functionality of this Web site may be lost.

Personal information

If you are required to register in order to use a feature of this Web site or to complete an online application form (e.g. to obtain e-mail updates or online publications), we will collect personally identifiable information about you, in particular, your name and surname, e-mail address, country of residence, and information which you voluntarily submit, namely: phone, address, citizenship, profession and job title.

This information is used to deliver website features, and to contact you about Milliman products or services requested by you or that we think may be of interest to you.

Security

We store your personal data on a secure server that is password protected and shielded from the outside world by a firewall. We have in place security policies that are intended to ensure, as far as possible, the security and integrity of all our information, including your personal information.

Sharing Your Personal Information

Data processing and storage

If we obtain any personal information about you, we may share it within Milliman or any of our worldwide subsidiaries for purposes of providing of data processing or storage, or to provide a requested service.

Milliman SRL may share your personal information above-mentioned with Milliman Inc. for purposes of co-ordination of marketing activities within Milliman group.

Authorized third-party agents 

We also may share your personal information with authorized third-party agents or contractors that performs services for Milliman. For example, if we need to ship something to you, we must share your name and address with a shipping company. We only provide third-party agents with the minimum amount of personal information necessary to complete the requested service or transaction.

Any sharing of your personal data will be subject to any recipient's obligation to protect your personal data in accordance with European data protection regulations and - for any transfers outside the European Union - comply with the data protection rules of the EU Standard Contractual Clauses and the new EU-US Privacy Shield, on condition and with the purpose that the data subjects get the widest protection of their rights under all possibly applicable laws and rules.

Storage limit 

Your shared personal data may be stored for no more than 10 years from end of business relation.

Legal requirements and illegal activities 

We may respond to subpoenas, court orders, or legal process by disclosing your personal information and other related information. We may collect and share personal information in order to investigate or take action regarding illegal activities, suspected fraud, violations of Milliman's Terms of Use, or as otherwise required by law or by government and regulatory entities.

Notice and choice for onward transfer 

We will ask you for your opt-in consent to share your personal information with a third party for any other reason.

Children 

Our Web sites do not target and are not intended to attract children. We do not knowingly collect information from or about children.

Access, Corrections and Objections

You may request access to personal data that are held about you upon payment of a small fee (if limited to one request per year to Milliman SRL, the request will be free of charge).

You also may require any inaccuracies in your information to be corrected free of charge. You can ask us to modify your details as well as to respond to any inquiries in respect of your rights by sending us an e-mail.

You may also be able to object to the processing of your personal data relating on compelling legitimate grounds relating to your particular situation.

It is not technologically possible to change or delete each and every instance of the information we hold on you from our systems, and data may remain in non-erasable forms. We may retain data for a period in our backup systems but no longer than 60 days. We may also retain some information for longer periods as required by law, contract, or auditing requirements.

Commercial Communications 

We may, from time to time, contact you by e-mail with information about our products or services (where required under applicable laws, only following receipt of your prior express consent in this regard). If you do not wish to receive such e-mails (and, where required under the applicable laws, only if you initially consented to the use of your e-mail address of such manner) you can easily opt out by sending us an e-mail.

Third-party Links

Our Web site may provide links to third-party Web sites that are outside our control and not covered by this policy. We encourage you to review the privacy policies posted on these (and all) sites.

Change

We may change our privacy policy from time to time. We therefore ask you to check it occasionally to ensure that you are aware of the most recent version. The policy was last updated September 13, 2016.

Information Received from the European Union or European Economic Area

For personal information received from the European Union or European Economic Area, Milliman (including Milliman Inc.) is committed to handling your personal information in accordance with this privacy policy and the EU-U.S. Privacy Shield Framework as administered by the U.S. Department of Commerce. If there is any conflict between the terms of this Policy and the Privacy Shield Principles, the Privacy Shield Principles shall govern if and to the extent such Principles offer greater protection of the data subjects' rights. To learn more about the Privacy Shield, and to view Milliman's certification, please visit https://www.privacyshield.gov/list.

Milliman's accountability for personal information that it receives under the Privacy Shield and subsequently transfers to a third party is described in the Privacy Shield Principles. In particular, Milliman remains responsible and liable under the Privacy Shield Principles if third parties engaged by Milliman process the personal information in a manner inconsistent with the Principles, unless Milliman proves that it is not responsible for the event giving rise to the damage.

As further explained in the "How Can You Contact Us?" section below, we encourage you to contact us should you have a Privacy Shield-related (or general privacy-related) complaint.

How to Contact Us

We welcome feedback on this Privacy Policy. If for any reason you wish to contact us, please send an email.

If you have inquiries or complaints regarding your personal data, please send an email. Complaints will be resolved internally in accordance with Milliman's complaints procedures. If you live in the European Union, European Economic Area, or Switzerland and efforts to resolve the matter internally are unsatisfactory, the complaint may be submitted to the American Arbitration Association (http://www.adr.org/), which has been selected as the independent recourse mechanism to resolve complaints and disputes relating to treatment of personal information originating in the European Union, European Economic Area, or Switzerland under this privacy policy. Milliman is subject to the investigatory and enforcement powers of the U.S. Federal Trade Commission (FTC).

This website is provided by Milliman, Inc. You may contact Milliman by sending us an email. References to "Milliman," "we," "us," and "our" are references to Milliman, Inc. and its affiliates.