Privacy Policy

Protecting your privacy is very important to us. We take our obligation to safeguard and secure your personal information very seriously. We want you to understand how we protect your privacy and when we collect and use your information.

Summary

This summary tells you the basics of our privacy commitment to you—how we collect and use the information, how we protect it, and who can see it. You should read the entire privacy policy below for full details.

  • We obtain personal information from you directly, from your transactions with us, and from third parties such as state of Rhode Island.
  • We will not sell your information to third parties.
  • Any third parties who perform services for us are required to safeguard any customer information and may only use it in connection with performing those services.
  • We extensively secure and limit access to your information.
  • We protect information about potential, current, and former policyholders.

The Information We Collect

Non-public personally identifiable information ("Information") is information that identifies you and is not available to the general public. The following sections tell you more about how and when we collect your Information.

Information We Obtain From You

During the quoting, application, or claims handling processes you may give us Information such as:
name
address
phone number
email address
Social Security numbers
driver's license numbers
dates of birth
Property Values
Loss History
Employee Records
Employee Medical Information

Information About Your Entity

We may collect Information about your entity’s transactions and experiences with us and others, such as your property and vehicle loss history, workers’ compensation claims, lines of coverage, and vehicle and property changes.

Authorization for Release of Medical and/or Hospital Information

To ensure that you are in compliance with The Health Insurance Portability and Accountability Act (HIPPA), all employee injury claims must be accompanied by a form for release of any medical information.

Information From Third Parties

We may receive Information about your entity from reporting agencies, which provide us with motor vehicle reports, claim reports, and/or other insurance loss information where permitted by law.

The Information We Disclose

Information about our customers or former customers will only be disclosed as permitted or required by law. Information about you that has been collected is maintained in your policy and/or claims records.

We use this Information to process and service your policy; to settle claims; with your consent; or as directed by you. We may also disclose it to persons or organizations as necessary to perform transactions you request or authorize. Information about our former Members and about individuals who have obtained quotes from us is safeguarded to the same extent as Information about our current policyholders.

Following are some examples of how we may disclose Information:
We may exchange Information about you with any applicable agents, investigators, appraisers, attorneys, and other persons who are or will become involved in processing your application and servicing your policy or any claims you may make.

When you are involved in a claim, policy information is provided to adjusters and the businesses that will repair your vehicle.

We may share Information with persons or organizations that we have determined need the Information to perform a business, professional, or insurance function for us. These include businesses that help us with administrative functions. All of these entities are obligated to keep the Information that we provide to them confidential and to use the Information only for the purpose for which the Information was provided.

Information may be provided to organizations conducting actuarial research or audits. In this case, you will not be individually identified in any research report. The organization must agree not to re-disclose the Information and the Information will be returned to us or destroyed when it is no longer needed.

We may also share your Information for other permitted purposes, including:

  • with another insurance company if you are involved in an accident with their insured
  •  with our reinsurers
  • with insurance-support organizations that detect and prevent fraud
  • with medical professionals or institutions in order to verify coverage or conduct operations or services audits
  • with state insurance departments or other governmental or law enforcement authorities if required by law or to protect our legal interests or in cases of suspected fraud or illegal activities
  • if ordered by a subpoena, search warrant or other court order

Confidentiality and Security

We restrict access to your Information to employees who we have determined need it in order to provide products or services to you. We train our employees to safeguard Member information. We maintain strict physical, electronic, and procedural safeguards to protect your Information from unauthorized access by third parties.

Your Security is Important

Please see our Internet Security Policy to further information on how we protect your information on the Internet.

Additional Information for Our Web site Users

We continuously improve ritrust.com. We are interested in how visitors use our website, what they like and dislike, and where they have problems. We may gather data on how users navigate our site so we can make ritrust.com an easy place to conduct business. Our tools may gather data such as what browser a person uses or even what pages are most popular.

We use cookies to improve your experience while using ritrust.com. Cookies are small files that are stored on your computer. They do not contain any personally identifiable information about you. They help us personalize your experience when you return to our website, and they are required for certain portions of our website. Most browsers let you determine whether or not you accept our cookies. If you do not use cookies, you will not be able to use certain ritrust.com features, such as the "remember me" function for Members that lets you store your User ID so you do not need to input it every time you log in from the same computer.

We also provide some links to third-party websites that are not owned by The Trust. The Trust has no control over their privacy practices and assumes no responsibility in connection with your use of their websites. We recommend that you check the privacy policy of any website before you provide any personally identifiable information.

Changes to This Privacy Policy

We may modify our privacy policy from time to time. The most recent version is always posted at ritrust.com. In the event that we make a significant change to our privacy practices, we will send a revised copy of our privacy policy to each of our Members.

What to Do if You Have Privacy or Security Concerns

You have the right to know what Information we have about you and to receive a copy upon request. Because of its legal nature, however, Information obtained when settling claims or defending lawsuits need not be shared with you.


Within thirty (30) business days of receipt of your written request, we will disclose to you the Information about you in our files. We will tell you to whom we have shared your Information within the past two years, or for the time period required by state law, and we will give you the name and address of any consumer reporting agency that gave us a report about you. Medical records and details about our decisions regarding those records will only be released to your physician or a physician qualified to interpret them.


You may contact The Trust if you believe your file should be corrected. Within thirty (30) business days, we will make the change or provide an explanation of our refusal to do so. If we do not make the change, you may send a statement for insertion in your file. If you ask us to, we will notify persons to whom we have shared your Information of the change or your statement. With any subsequent sharing of Information, we will include a copy of your statement.
This policy applies to prospective, current and former Members of The Trust.

If you have a concern about privacy or security at The Trust, we want to hear about it by mail or email.

Please write to us at:
Privacy Administration
Rhode Island Interlocal Trust
501 Wampanoag Trail, Suite 301
East Providence, RI 02915
or email us at info@ritrust.com

The effective date of this privacy policy is July 1, 2009.

© Copyright 2015 Rhode island Interlocal Risk Management Trust  |  Design by Malcolm Grear Designers