Cookies Statement

Medical Captive Underwriters LLC
Effective Date: July 18, 2025
Last Updated: July 18, 2025

What Are Cookies?

Cookies are small text files that websites store on your device when you visit them. They help websites remember your preferences, improve your experience, and provide insights into how the site is being used. Think of them as digital breadcrumbs that help us navigate your journey through our educational content.

Why We Use Cookies

At Medical Captive Underwriters, we use cookies to:

  • Enhance Your Experience: Remember your preferences and settings
  • Improve Our Content: Understand which educational materials are most helpful
  • Ensure Security: Protect our website and your information
  • Analyze Performance: See how our transparency efforts are working

Types of Cookies We Use

Essential Cookies

Purpose: These cookies are necessary for our website to function properly. Examples:

  • Session management and security
  • Form submission functionality
  • Website navigation and access controls
  • "Tsunami Zone" VIP access authentication

Duration: These cookies are deleted when you close your browser. Can You Disable Them: No, these are required for basic website functionality.

Performance and Analytics Cookies

Purpose: Help us understand how visitors use our website and educational content. Examples:

  • Google Analytics (website traffic and user behavior)
  • Video engagement tracking (YouTube integration)
  • Educational content effectiveness measurement
  • Conference follow-up tracking

Duration: Typically 1-2 years, but you can delete them anytime. Can You Disable Them: Yes, through your browser settings or our cookie preferences.

Functional Cookies

Purpose: Remember your preferences and provide enhanced functionality. Examples:

  • Language and region preferences
  • "Captain's Log" newsletter subscription status
  • Educational content progress tracking
  • Conference meeting preferences

Duration: Up to 1 year or until you change your preferences. Can You Disable Them: Yes, but this may limit some website features.

Marketing and Advertising Cookies

Purpose: We use minimal marketing cookies, primarily for conference follow-up and educational content promotion. Examples:

  • LinkedIn event tracking (for conference attendees)
  • YouTube video promotion tracking
  • Educational content sharing measurement

Duration: Up to 1 year. Can You Disable Them: Yes, and we respect your marketing preferences.

Third-Party Cookies

YouTube (Educational Videos)

When you watch our educational content on YouTube, YouTube may set cookies according to their privacy policy. We embed YouTube videos to provide you with comprehensive medical captive education.

Google Analytics

We use Google Analytics to understand website usage and improve our educational content. Google Analytics cookies help us see which resources are most helpful to consultants and employers.

LinkedIn (Professional Networking)

For conference attendees and professional connections, we may use LinkedIn tracking pixels to coordinate follow-up communications and industry networking.

Managing Your Cookie Preferences

Browser Controls

You can control cookies through your browser settings:

Chrome: Settings > Privacy and Security > Cookies and other site data Firefox: Settings > Privacy & Security > Cookies and Site Data Safari: Preferences > Privacy > Manage Website Data Edge: Settings > Privacy, Search, and Services > Cookies and Site Permissions

Our Cookie Preferences

When you first visit our website, you'll see a cookie consent banner where you can:

  • Accept all cookies
  • Reject non-essential cookies
  • Customize your preferences by cookie type
  • Access this full Cookies Statement

Opting Out of Analytics

You can opt out of Google Analytics by:

  • Installing the Google Analytics Opt-out Browser Add-on
  • Adjusting your cookie preferences on our website
  • Using browser settings to block analytics cookies

Mobile Apps and Devices

If we develop mobile applications in the future, they may use similar tracking technologies. We'll update this statement to reflect any mobile-specific practices.

Cookie Consent and Withdrawal

Initial Consent

When you first visit our website, we'll ask for your consent to use non-essential cookies. You can choose to accept or decline different types of cookies.

Changing Your Mind

You can withdraw your consent at any time by:

Continued Use

By continuing to use our website after seeing our cookie notice, you're agreeing to our use of essential cookies necessary for website functionality.

Impact of Disabling Cookies

What Still Works

  • Basic website navigation
  • Accessing educational content
  • Contacting us through forms
  • Reading our transparency reports
  • Personalized content recommendations
  • Progress tracking in educational series
  • "Tsunami Zone" VIP access features
  • Conference follow-up coordination
  • Newsletter subscription management

What Might Not Work

International Considerations

GDPR Compliance (European Users)

If you're visiting from the European Union, you have additional rights under GDPR:

  • Right to consent to cookie use
  • Right to withdraw consent
  • Right to access cookie-related data
  • Right to data portability

California Privacy Rights

California residents have specific rights under CCPA regarding personal information collected through cookies.

Contact Information

Cookie Questions

For questions about our cookie practices:

Medical Captive Underwriters LLC
Email: privacy@medicalcaptive.com
Phone: [Phone Number]
Website: medicalcaptive.com

Technical Support

For technical issues with cookie settings: Email: support@medicalcaptive.com

Updates to This Statement

We may update this Cookies Statement to reflect:

  • Changes in cookie technology
  • New website features
  • Legal requirement updates
  • Feedback from users

We'll notify you of material changes through:

  • Website notifications
  • The Captain's Log newsletter
  • Updated consent banners

Our Transparency Commitment

As "the transparency company," we believe you should understand exactly how cookies work on our website. We use cookies responsibly to enhance your educational experience while respecting your privacy choices. If you have questions about our cookie practices, we're always happy to explain our approach in plain language.

Last Updated: [Date]
This Cookies Statement is part of our broader Privacy Policy and commitment to transparent business practices.

‍