Privacy Policy

Our commitment to privacy.
Our Privacy Policy was developed as an extension of our commitment to combine the highest quality products and services with the highest level of integrity in dealing with our clients and business partners. The policy is designed to assist you in understanding how we collect, use and safeguard the personal information you provide to us and to assist you in making informed decisions when using our site and our products and services. This statement will be continuously assessed against new technologies, business practices and our customer’s needs. We reserve the right to revise our Privacy Policy at any time.

What information do we collect?
When you visit our website you may provide us with two types of information:  personal information you knowingly choose to disclose that is collected on an individual basis and website use information collected on an aggregate basis as you and others browse our website.

Personal information you choose to provide.
If you choose to correspond with us through email, or elect to provide personal information on our website (such as your name, company, contact information, etc.) to access additional products and services, we may retain your information and/or the content of your email messages together with your email address and our responses. We provide the same protections for these electronic communications that we employ in the maintenance of information received by mail and telephone.

Text (SMS) messaging.

1. We utilize Multi-Factor Authentication (MFA) in order to verify your identity during the set up and online account management with us. During the set up process, you can expect we will request your permission to send an SMS text message to your mobile device to get started. Additionally, we may leverage SMS text messaging if you attempt to update or change your password, as well as validate whether you want to terminate your online account with us.
2. You can cancel the SMS service at any time. Just text “STOP” to the short code. After you send the SMS message “STOP” to us, we will send you an SMS message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us. If you want to join again, just sign up as you did the first time and we will start sending SMS messages to you again.
3. If you are experiencing issues with the messaging program you can reply with the keyword HELP for more assistance, or you can get help directly at 1.800.442.0593.
4. We are not liable for delayed or undelivered messages.
5. As always, message and data rates may apply for any messages sent to you from us and to us from you. You will receive one (1) SMS text messages if/when you begin an account, change a password or attempt to terminate your online account. If you have any questions about your text plan or data plan, it is best to contact your wireless provider.
6. If you have any questions regarding privacy, please read our privacy policy.

Website use information.
Similar to other commercial websites, our website utilizes a standard technology called “cookies” (see explanation below, “What Are Cookies?”)  and web server logs to collect information about how our website is used. Information gathered through cookies and web server logs may include the date and time of visits, the pages viewed, time spent at our website, and the website visited just before and just after our website. This information is collected on an aggregate basis. None of this information is associated with you as an individual.

How do we use the information that you provide to us?
To the extent we ask for or require user information to access certain services or information on our website, we use such information for purposes of administering our business activities, providing customer service and making available other products and services to our customers and prospective customers. Occasionally, we may also use the information we collect to notify users about important changes to our website, new services and special offers we think users will find valuable.

What are cookies?
Cookies are a feature of Web browser software that allows Web servers to recognize the computer used to access a website. They are small pieces of data that are stored by a user’s Web browser on the user’s hard drive. Cookies can remember what information a user accesses on one Web page to simplify subsequent interactions with that website by the same user or to use the information to streamline the user’s transactions on related Web pages. This makes it easier for a user to move from Web page to Web page and to complete commercial transactions over the Internet. Cookies should make your online experience easier and more personalized.

How do we use information we collect from cookies?
We use website browser software tools such as cookies and web server logs to gather information about our website users’ browsing activities in order to constantly improve our website and better serve our customers. This information assists us to design and arrange our web pages in the most user-friendly manner and to better meet the needs of our customers and prospective customers.
Cookies help us collect important business and technical statistics. The information in the cookies lets us trace the paths followed by users to our website as they move from one page to another. Web server logs allow us to count how many people visit our website and evaluate our website’s visitor capacity. We do not use these technologies to capture individual email address or any personally identifying information about you although they do permit us to send focused online banner advertisements or other such responses to users.

Sharing information with business partners.
From time to time you may notice offers from outside companies advertised on our website. We take measures to select product or service providers that are responsible and afford privacy protections to their customers. However, we cannot make any representations about the practices and policies of these companies or about their products and services.

Notice of new services and changes.
Occasionally, we may also use the information we collect to notify users about important changes to our website, new services and special offers we think users will find valuable. As a user, you will be given the opportunity to notify us of your desire not to receive these offers by clicking on a response box when you receive such an offer or by sending us an email request at customercare@mem-ins.com.

How do we secure information transmissions?
When you send confidential information to us on our website, a secure server software which we have licensed encrypts all information you input before it is sent to us. The information is scrambled en route and decoded once it reaches our website.

Other email that you may send to us may not be secure unless we advise you that security measures will be in place prior to your transmitting the information. For that reason, we ask that you send any confidential information (such as Social Security or account numbers) to us through regular mail.

How do we protect your information?
We utilize encryption/security software to safeguard the confidentiality of personal information we collect from unauthorized access or disclosure and accidental loss, alteration or destruction.

Evaluation of information protection practices.
Periodically, our operations and business practices are reviewed for compliance with corporate policies and procedures governing the security, confidentiality and quality of our information.

Employee access, training and expectations.
Our corporate values, ethical standards, policies and practices are committed to the protection of customer information. In general, our business practices limit employee access to confidential information, and limit the use and disclosure of such information to authorized persons, processes and transactions.

How can you access and correct your information?
You may request access to all of your personally identifiable information that we collect online and maintain in our database by emailing Webmaster@mem-ins.com.

Do we disclose information to outside parties?
We may provide aggregate information about our customers, sales, website traffic patterns and related website information to our affiliates or reputable third parties, but this information will not include personally identifying data, except as otherwise provided in this Privacy Policy.

What about legally compelled disclosure of information?
We may disclose information when legally compelled to do so, in other words, when we, in good faith, believe that the law requires it or for the protection of our legal rights.

What about other websites linked to our website?
We are not responsible for the practices employed by websites linked to or from our website nor for the information or content contained therein. Often links to other websites are provided solely as pointers to information on topics that may be useful to the users of our website.

Please remember that when you use a link to go from our website to another website, our Privacy Policy is no longer in effect. Your browsing and interaction on any other website, including websites which have a link to our website, is subject to that website’s own rules and policies. Please read over those rules and policies before proceeding.

Your consent.
By using our website you consent to our collection and use of your personal information as described in this Privacy Policy. If we change our privacy policies and procedures, we will post those changes on our website to keep you aware of what information we collect, how we use it and under what circumstances we may disclose it.