Privacy Policy

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

Our Commitment to Your Privacy

At Medical Captive Underwriters (MCU), transparency isn't just our business philosophy—it's how we handle your personal information. This Privacy Policy explains how we collect, use, and protect your data when you visit our website, subscribe to The Captain's Log newsletter, or engage with our services.

Information We Collect

Information You Provide to Us

Contact Information: Name, email address, phone number, company name, title
Communication Data: Messages sent through contact forms, email correspondence, consultation requests
Newsletter Subscriptions: Email address and preferences for The Captain's Log newsletter
Conference Interactions: Information shared during industry events and meetings
Educational Content Engagement: Participation in webinars, downloads, and "Captain's Log" email content

Information We Collect Automatically

Website Usage Data: Pages visited, time spent, click patterns, referral sources
Technical Information: IP address, browser type, device information, operating system
Cookies and Tracking: Session data, preferences, and website performance analytics
Video Engagement: YouTube viewing data and educational content interaction metrics

How We Use Your Information

Primary Uses

Educational Services: Providing access to our educational content, YouTube series, and resources
Communication: Sending The Captain's Log newsletter, responding to inquiries, and sharing industry updates
Conference Coordination: Organizing meetings at industry events and maintaining professional relationships
Service Improvement: Analyzing website usage to enhance user experience and content effectiveness
Legal Compliance: Meeting regulatory requirements and maintaining business records

Transparency Commitment

We will never sell, rent, or share your personal information with third parties for their marketing purposes. Our commitment to transparency means we're always clear about how we use your data.

Information Sharing and Disclosure

Limited Sharing

We may share your information only in these circumstances:

Service Providers: Trusted third-party vendors who help us operate our website, send newsletters, or provide technical support
Legal Requirements: When required by law, court order, or government regulation
Business Protection: To protect our rights, property, safety, or that of our users
Professional Partnerships: With your consent, sharing contact information with trusted industry partners

Conference and Industry Events

When you meet us at industry conferences, we may share your contact information with event organizers as required, but will always inform you when this occurs.

Data Security

Our Security Measures

Encryption: All data transmissions are encrypted using industry-standard SSL/TLS protocols
Access Controls: Limited access to personal information on a need-to-know basis
Regular Updates: Ongoing security assessments and system updates
Secure Storage: Personal information stored on secure servers with appropriate safeguards

Your Role in Security

Use strong passwords for any accounts
Keep your contact information current
Report any suspicious activity immediately

Your Rights and Choices

Access and Control

Review: Request access to the personal information we have about you
Correction: Ask us to update or correct inaccurate information
Deletion: Request deletion of your personal information (subject to legal requirements)
Portability: Request a copy of your information in a portable format

Communication Preferences

Newsletter Unsubscribe: Unsubscribe from The Captain's Log newsletter at any time
Email Preferences: Adjust the types of communications you receive from us
Marketing Opt-Out: Opt out of promotional communications while maintaining service-related communications

How to Exercise Your Rights

Email: privacy@medicalcaptive.com

Cookies and Tracking Technologies

Types of Cookies We Use

Essential Cookies: Necessary for website functionality and security
Performance Cookies: Help us analyze website usage and improve user experience
Functional Cookies: Remember your preferences and settings
Analytics Cookies: Provide insights into content effectiveness and user engagement

Managing Cookies

You can control cookies through your browser settings. Note that disabling certain cookies may limit website functionality.

Third-Party Services

YouTube Integration

Our educational content is hosted on YouTube. When you watch our videos, YouTube's privacy policy applies to that interaction.

Newsletter Services

We use professional email services to send The Captain's Log newsletter. These services are bound by strict privacy agreements.

Website Analytics

We use analytics tools to understand website usage and improve our educational content effectiveness.

Children's Privacy

Our services are designed for business professionals and are not intended for children under 13. We do not knowingly collect personal information from children under 13.

International Users

Our services are primarily designed for users in the United States. If you're accessing our website from outside the US, please note that your information may be transferred to and processed in the United States.

Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices or legal requirements. We will notify you of material changes by:

Posting updates on our website
Sending notification through The Captain's Log newsletter
Providing direct notice for significant changes

Contact Information

Privacy Questions

For questions about this Privacy Policy or our data practices:

Medical Captive Underwriters LLC

Email: privacy@medicalcaptive.com
Website: medicalcaptive.com

Data Protection Officer

For data protection concerns or to exercise your rights:Email: privacy@medicalcaptive.com

Our Transparency Promise

As "the transparency company," we're committed to being clear about our data practices. If you have questions about how we handle your information, we're always happy to discuss our practices openly. Our goal is to make you as comfortable with our data handling as you are with our approach to medical captives.

This Privacy Policy is part of our commitment to transparency and ethical business practices. We believe that understanding how your information is handled is as important as understanding medical captives themselves.

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