The PMA Website Privacy Policy

This policy statement describes the privacy policy with respect to information presented through this website only. For our general applicable privacy policy, please refer to The PMA Privacy Policy.

Our Use of Personal and General Statistical Information. Companies which maintain websites generally collect two categories of information about their on-line visitors: personal information and general statistical information. We do not currently log general statistical information such as the domain name, IP address and browser type of our site visitors through the use of cookies or site reporting tools except to the extent necessary to track the use of PMA Cinch, PMA's on line risk management tool, by authorized users.

Personal information that can identify a visitor, such as name, address, employment history or insurance information, is collected only when voluntarily offered, and solely for purposes that are clearly identified on our site. Information provided in a request for employment, services or information is forwarded to the PMA affiliate or division that will respond to the request. PMA may contact visitors who have submitted such a request for additional information about that request.

We do not disclose this information to third parties except as necessary to underwrite or service insurance transactions, deliver our products, enhance our services, or as required by law. PMA does not sell visitors' personal information to third parties. Any information you choose to submit to us via our on-line forms or e-mail is on a voluntary basis. When you access our site, the collection, use, and distribution of your information will be handled according to the terms and policies outlined in this Privacy Statement. If you object to the collection, use, and distribution policies outlined in this Privacy Statement, we ask that you do not submit information or access our site.

System and Data Security. PMA uses a wide variety of computer hardware and software tools to guard system and data privacy and integrity. PMA's computer systems are also protected by additional measures such as network routers and firewalls intended to prevent unauthorized access.

As a visitor to our site, you have unrestricted access to the public pages. Access to certain areas of this site is restricted to registered users for two reasons:

• e-commerce transactions requiring a higher level of security;
• strategic business relationships between PMA and its customers, agents, or brokers.

UserID/Password Use. If you have been assigned a userID for access to restricted sections of this site, you are responsible for all activities executed under your userID and are the only one who may use it. To meet this responsibility, you are expected to select secure passwords and keep them confidential. Allowing another person to use your userID and its associated passwords, using a userID and password assigned to another person, or attempting to gain access to resources for which you are not authorized is a serious breach of security.

Accuracy of Information. PMA does not warrant or guarantee the accuracy or completeness of the information provided on this Web site. Under no circumstances will PMA be liable for any loss or direct, indirect, incidental, special or consequential damages caused by reliance on this information or for the risks of the stock market.

The information on this Web site may be changed or updated without notice. PMA may also make improvements and/or changes in the products, services and/or programs described on this site at any time without notice.

PMA Web Site access by Children. Our Web site is for insurance and financial products and services and is not intended for children. We offer insurance and financial products and services and thus do not market any products or services to children under the age of thirteen or knowingly collect any information from children under the age of thirteen. If we become aware that information is or has been submitted by or collected from a child under the age of thirteen, we will delete this information.

Hypertext Links. This web site does not presently contain links to other web sites, but we may choose to provide such links in the future. In the event such links are provided, please note that if you activate one of these links you may be transferred to another web site not under PMA's control. We encourage you to read the privacy statements of any such linked sites, as their privacy policies may differ from ours. PMA is not responsible for the privacy practices or the content of any other web sites on the Internet that are hyper-linked to or from the PMA web site.

If you would like to provide a hypertext link from your site to this site, please request our permission before doing so. To request such permission, send a message via e-mail to:

Please include in the message your name, address and telephone number, and a description of your site and the reason why you would like to establish a link to this site.

It is up to you to take precautions to ensure that whatever you select for your use is free of such items as viruses, worms, Trojan horses, malicious codes and other items of a destructive nature. IN NO EVENT WILL PMA BE LIABLE TO ANY PARTY FOR ANY LOSS OR DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES CAUSED BY USE OF THIS WEB SITE, OR ANY OTHER HYPERLINKED WEB SITE.

Internet Communication. The privacy of communication over the Internet cannot be guaranteed, because the Internet is not a secure medium. PMA does not assume any responsibility for any harm, loss, or damage you may experience or incur by the sending of personal or confidential information over the Internet by or to PMA.

Consent. By using this site, you signify your consent to PMA's on-line privacy policy. If you do not agree to this policy, please do not use this site. We reserve the right, at our discretion, to update, change, modify, add, or remove portions of this policy from time to time. Any changes to this privacy policy will be promptly disclosed in this area.

Notification of Changes. If we decide to change our privacy policy, we will post those changes on our Homepage so our users are always aware of what information we collect, how we use it, and under circumstances, if any, we disclose it. This privacy statement may be modified from time to time. You may wish to visit this page periodically to review the most recent PMA Website Privacy Statement.

Last modified on:  2/15/05