Privacy Policy

Updated: 09/17/2019

Section 1 - Introduction

At Mozart, a division of Insurance Services Office, Inc. ("ISO"), we respect your privacy and value the trust and confidence you place in us. We are committed to safeguarding your privacy while you are using the Mozart Add-In for the Mozart Form Composer online application. (referred to as the "Add-In"). This Privacy Policy (referred to on this page as the "Policy") describes our commitment to your privacy. By using the Add-In, you acknowledge that you understand and expressly agree to this Policy and the End User Licensing Agreement.

This Policy describes:

  • The information we collect from you and how we collect it (Section 2)
  • How we use the information collected through the Add-In (Section 3)
  • With whom your personal information or other information may be shared and your California Privacy Rights (Section 4)
  • What security precautions we have in place to protect the loss, misuse, or alteration of your information (Section 5)
  • Your rights and choices (Section 6)
  • How you can contact us regarding this Policy and our privacy practices (Section 7)

Please note that this Policy addresses only Mozart privacy practices concerning information we collect from your use of the Add-In and not the privacy practices of other sites or add-ins.

Please carefully read this Policy prior to installation of the Add-In.

A Note about Changes to This Policy

This Policy may change without prior notice to you. Please check back to review this Policy whenever you visit the Add-In, as you will be deemed to have read, understood, received notice of, and agreed to any changes. This Policy supersedes all previous statements or policies concerning Mozart’s collection of personal information by the Add-In.

The date of the last update to this Policy is always indicated near the top of the page. Any change in the date of this Policy since you last accessed the Add-In shall constitute notice to you that the Policy has changed since that visit. The last update to this Policy shall also be its effective date.

Section 2 - Information We Collect from You and How We Collect It

We collect your ISOnet username and password via the Add-In. The information collected is required to provide services and to operate the Add-In. We do not knowingly collect personal information from individuals under the age of 13.

We ask for and collect information in the following circumstances:

When You Download the Add-In
When you download the Add-In, you are required to use your ISOnet login to access the functionality of the Add-In.

When You Contact Us
If you contact Mozart through the Add-In, you are referred to the ISO Customer Service Center. We may keep a record of that correspondence, which includes your e-mail address and any other information you provide to ISO.

Section 3 - How We Use Information Provided Through the Add-In

We may use the information you provide or that we otherwise collect while you are using the Add-In to do the following:

  • operate, evaluate, and improve our business
  • develop new products and services
  • manage our communications
  • perform market research
  • advertise and market our offerings
  • analyze our products, services, and applications
  • administer the Add-In

Section 4 - With Whom We Share Your Information

We do not sell or otherwise disclose information we collect through our Add-In, except as described here. We may share information we collect through the Add-In with affiliates and service providers that perform services on our behalf. We do not authorize those service providers to use or disclose the information except as necessary to perform services on our behalf or comply with legal requirements.

In addition, we may disclose personal information about you (a) if we are required to do so by law or legal process (such as court order or subpoena), (b) to law enforcement authorities or other government officials, (c) when we believe disclosure is necessary or appropriate to prevent physical harm or financial loss, or (d) in connection with an investigation of suspected or actual fraudulent or illegal activity. We reserve the right to transfer personal information we have about you in the event we sell or transfer all or a portion of our business or assets (including in the event of a reorganization, dissolution, or liquidation). Should such a sale or transfer occur, we will use reasonable efforts to direct the transferee to use personal information you have provided to us in a manner consistent with this Policy.

Your California Privacy Rights
If you are a California consumer, we will disclose to you, upon your request, what personal information of yours was shared with our third-party business partners within the immediately preceding calendar year (including disclosing our partners’ names and addresses to you) if our partners used such information for their marketing purposes. (See Section 7 of this Policy entitled, “How to Contact Us Regarding This Policy and Your California Privacy Rights.”)

Reservation of Rights
We reserve the right to disclose personal information when we have reason to believe that disclosing this information is necessary to identify, contact, bring, or defend against legal action involving someone who may be violating this Policy or who may be causing injury to or interference with (either intentionally or unintentionally) Mozart’s rights or property, other Mozart users, or anyone else who could be harmed by such activities. We may disclose or access account information for administrative or other purposes we deem necessary to maintain or improve our products, services, or the operation of the App; for law enforcement purposes; or when we believe in good faith that the law requires it.

Section 5 - Security Precautions We Have in Place to Protect the Loss, Misuse, or Alteration of Your Personal Information

We maintain administrative, technical, and physical safeguards designed to protect the personal information you provide against accidental, unlawful, or unauthorized destruction, loss, alteration, access, disclosure, or use.

Section 6 - Your Rights and Choices

We offer you certain choices about how we communicate with you and what information we obtain from you. As required by applicable law, you may withdraw consent you previously provided to us. We will apply your preferences going forward. You may exercise these choices by advising us of your preference by contacting us as specified in Section 7 below. At any time, you may also object on legitimate grounds and free of charge to the processing of your personal information.

Subject to applicable law, you may have the right to request access to and receive information about the information we maintain about you, update and correct inaccuracies in your data, and have the information blocked or deleted, as appropriate. In some circumstances, local law requirements may limit the right to access information.

You may contact us as described in Section 7 below to update your preferences or submit other requests.

Section 7 - Contacting Us Regarding This Policy and Your California Privacy Rights

If you have any questions or comments about this Privacy Policy or any issue relating to how we collect, use, or disclose personal information, or if you would like us to update information we have about you or your preferences, please contact us as indicated below.

Send e-mail to: privacy@iso.com

Send postal mail to:

Insurance Services Office, Inc.
Attention: Law Department
545 Washington Boulevard
Jersey City, NJ 07310-1686
USA

California Civil Code § 1798.83 also entitles residents of California to request information concerning third parties with which Mozart has shared personal information in the immediately preceding calendar year for those third parties’ direct marketing purposes. California residents may submit one request per calendar year in the form of a report that details: (a) what types of information Mozart shared, (b) with whom Mozart shared such information, and (c) the nature of the third parties’ businesses.