Last updated: July 5, 2013
In selecting EMSI as a vendor, its clients express confidence in the reputation
EMSI has built as the leading provider of quality medical information, risk management
and investigation services to the insurance, legal, clinical and business communities.
In appreciation of that commitment, and to demonstrate EMSI's clients' confidence
the privacy of information entrusted to it by clients is vital, and EMSI is committed
to protecting that privacy.
EMSI maintains security policies and practices in its facilities and systems to
protect appropriate information from unauthorized access and inappropriate disclosure,
alteration or destruction. Security may include, but is not limited to, encryption,
physical access security and other appropriate technologies. EMSI continually reviews
and enhances security systems as necessary. Personnel failure to hold in confidence
private information is subject to disciplinary process. Personnel are required to
execute an acknowledgement of their receipt and understanding of EMSI's policies
and procedures containing confidentiality obligations, to which they are subject.
EMSI does not provide private information to the general public. EMSI does not compile
or distribute mailing lists or consumer marketing data from information received
from clients. EMSI does not modify or correct information obtained from other persons
or organizations, since such information is not prepared by EMSI.
EMSI makes use of both session and persistent cookies on websites it owns and operates
directly or operates indirectly through a third party partner. Cookies are small
pieces of data that are stored by the user’s Web browser on the user’s hard drive.
Cookies are utilized by websites to enhance a user’s experience and remember information
such as user name, language, viewing preferences, shortcut navigation and other
user preferences. On some websites under EMSI’s direct or indirect control, user’s
browsing and/or buying habits are also tracked and stored in a cookie, however,
at no point in time will any user medical or health information be stored in cookie
Server and Application Logging
EMSI Web Servers automatically collect Internet Protocol (IP) addresses which are
used solely for reporting demographic information, number of visits, and in communications
troubleshooting. Authentication credentials are also recorded to comply with auditing
requirements and assist in investigation of customer-initiated service requests.
As EMSI upgrades, enhances, modifies or maintains its systems, services and procedures,
modifications may be made to this policy.
Obtaining and Sharing Information
EMSI respects the privacy of individuals while obtaining information for legitimate
businesses that can demonstrate an appropriate need for the information. EMSI obtains
information ordered by its clients using sources identified by clients - either
the subject individual or a reputable source. EMSI obtains and discloses such information
pursuant to appropriate written authorizations to gather information for, and disclose
it to, its clients for the purposes of their underwriting and servicing of insurance
policies, and for their other legitimate purposes authorized by law. EMSI handles
such information in accordance with its clients' directions, the written authorizations,
EMSI's contracts with clients, and applicable law. EMSI does not share information
it obtained for a client with its other clients, unless the subject's authorization
Kinds of Information
EMSI is authorized by clients to act as their representatives in obtaining information
on individuals regarding the following:
- Health history
- Medical information
- Family history
- Lifestyle character
- General reputation
- Habits, use of alcohol and other drugs
- Driving records
- Marital status
- Death records
- Civil and criminal court records
- Past and present employment and job duties
- Other insurance coverage
- Participation in hazardous hobbies or activities
Sources of such information may include various governmental agencies, medical facilities,
independent consumer reporting agencies or other information exchange organizations
or individuals provided for personal and business references.
EMSI does not use the information it obtains on behalf of its clients. Therefore,
if a subject of information desires to opt out of having the information used for
any purpose, the subject should address this option with EMSI's client when the
subject provides the authorization to release information to EMSI's client. However,
when EMSI makes a direct inquiry of the subject of the information, there is an
opportunity presented for the subject to opt out of providing the information. In
these instances, the subject need only decline to provide the requested material.
In all other instances, EMSI only gathers and discloses the information pursuant
to the subject's written authorization obtained by EMSI's clients.
Notice to all Users
The systems are restricted solely to authorized EMSI users and may be monitored
for administrative and security reasons. All users expressly consent to such monitoring.
Any use of the system must be in compliance with all EMSI policies and applicable
laws. Unauthorized users or any unauthorized use will subject the user to criminal
and civil penalties under applicable law.
at 1-800-530-0560 extension 4578.
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