Privacy Policy

Privacy Policy

Last revised on March 12, 2026.

You can find the previous version of this Policy here.

The Michigan Catastrophic Claims Association (“MCCA”) is committed to protecting your privacy and developing technology that gives you the most powerful and safe online experience. This Privacy Policy describes how MCCA collects, uses, discloses, transfers, stores, retains or otherwise processes your information when you (whether in your individual or business capacity) access or use, in any manner, any content, products, services or related activities (collectively “Services”), including through the Internet domain(s) owned or operated by MCCA, which include but are not limited to:

https://michigancatastrophic.com/

We refer to the above website and all related websites as “website” or as a “site.” When we refer to “we,” “us,” or “our,” we mean MCCA, or the specific division, subsidiary, or affiliate that operates a site, provides its content, or processes information received through it, each as appropriate and applicable. When we refer to “you” or “your,” we mean the person accessing the site or utilizing our Services. If the person interacting with MCCA does so on behalf of, or for the purposes of, another person, including a business or other organization, “you” or “your” also means that other person, including a business organization.

This Privacy Policy applies to your use of our Services and our sites, and covers information collected in connection with your access to and use of our Services and our sites. Please read this Privacy Policy carefully. By continuing to interact with our Services and our sites, you are consenting to the practices described in this Privacy Policy.

Collection of your Personal Information

MCCA may collect different information from or about you depending on the manner in which you use our site or Services. For example, we may obtain information through forms on our website, such as the Contact form.

The type of information that we collect depends on the Services we are providing to you. MCCA collects information from various types of individuals in its ordinary course of business including insurance companies, agents, claimants, vendors, visitors to its websites, etc. The following categories of information and associated examples are provided to help you understand the information we may collect through your use of the site or in the course of us providing our Services to you.

  • Identity Information includes first name, middle name, last name, date of birth, and gender.

  • Contact Information includes personal mailing address, home address, email address, and telephone number.

  • Medical Information includes medical history and current medical condition. Note that we only obtain your Medical Information with your permission, or as otherwise allowed or required by law.

  • Insurance Information includes claims history; household member Identity Information, driving record; and insurance policy information, such as coverages, limits, deductibles.

  • Claims Information including police reports, recorded statements, and Insurance Information.

  • Technical Information includes internet protocol (IP) address, login data, time zone setting and location (geocodes), logs, pages visited, pages viewed, events and page loads, browser plug-in types and versions, operating system and platform and other technology on the devices you use to access the sites.

  • Usage Information includes information about how you use our website, products and Services.

Note: MCCA does not read any of your private online communications.

Information We Receive From Other Sources 

To assist in providing you our Services we may obtain personal information about you from external sources such as our affiliates, insurance companies and service providers, governmental agencies and consumer reporting agencies.

If you use our sites on or through a third-party platform, including via any mobile and/or other Internet-connected device, or click on third-party links, the collection, use, and disclosure of your information and your use of the sites will also be subject to the privacy policies and other terms of such third parties or third-party platforms. You should review such privacy policies, terms, and other agreements. However, all personal information that you provide to such third parties or third-party platforms is subject to those third-parties’ privacy policies.

Use of your Personal Information

We may use information about you for a number of purposes, including:

1. Providing, Improving And Developing Our Services

  • Developing new products and improving our Services;

  • Delivering the information and support you request;

  • Improving, personalizing and facilitating your use of our Services;

  • Measuring, tracking and analyzing trends and usage in connection with your use or the performance of our Services.

2. Communicating With You About Our Services

  • Respond to your questions or concerns;

  • Send you information you have requested from us about our Services;

  • Inform you of other products or services available from MCCA and its affiliates

  • Send you surveys to conduct research about your opinion of current services or of potential new services that may be offered.

3. Protecting Our Services And Maintaining A Trusted Environment

  • Preventing fraud;

  • Enforcing our Terms of Use or other applicable agreements or policies;

  • Verifying your identity;

  • Complying with any applicable laws or regulations, or in response to lawful requests for information from the government or through legal process;

  • Fulfilling any other purpose disclosed to you in connection with our Services;

  • Analyze trends and user traffic and usage information; and

  • Contacting you to resolve disputes and assist you with our Services.

4. Other Uses

  • Reviewing and analyzing user browser and wireless device technical information;

  • For any other purpose disclosed to you in connection with our Services from time to time.

MCCA does not sell, rent or lease its customer lists to third parties. MCCA may, from time to time, contact you on behalf of external business partners about a particular offering that may be of interest to you. In those cases, your unique personally identifiable information is not transferred to the third party. In addition, MCCA may share data with trusted partners to help us perform statistical analysis, send you email or postal mail, provide customer support, or arrange for deliveries. All such third parties are prohibited from using your personal information except to provide these services to MCCA, and they are required to maintain the confidentiality of your information.

MCCA does not use or disclose sensitive personal information, such as race, religion, or political affiliations, without your explicit consent.

Use of Cookies

The MCCA Web site use “cookies” to help you personalize your online experience. A cookie is a text file that is placed on your hard disk by a Web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you.

One of the primary purposes of cookies is to provide a convenience feature to save you time. The purpose of a cookie is to tell the Web server that you have returned to a specific page. For example, if you personalize MCCA pages, or register with MCCA site or services, a cookie helps MCCA to recall your specific information on subsequent visits. This simplifies the process of recording your personal information, such as billing addresses, shipping addresses, and so on. When you return to the same MCCA Web site, the information you previously provided can be retrieved, so you can easily use the MCCA features that you customized.

There are several types of cookies:

  • Session cookies provide information about how a website is used during a single browser session while a user is visiting a website. Session cookies usually expire after the browser is closed.

  • Persistent cookies remain on your device between different browser sessions for a set amount of time in order to enable the website to remember user preferences, settings, or actions across other sites. A persistent cookie will remain on a user’s device for a set period of time specified in the cookie.

  • First-party cookies are cookies set by the operator of the website you are visiting.

  • Third-party cookies are cookies set by third parties that are different from the operator website you are visiting.

  • Web beacons, tags and scripts may be used with the sites or in our emails to help us to deliver cookies, count visits, understand usage and campaign effectiveness and determine whether an email has been opened and acted upon.

We, our partners, affiliates, and analytics or service providers use cookies and other similar technologies across the sites. We group the cookies that we collect into the following categories based upon their function (note that all types of cookies, as described above, may be found in each category):

Description
Category

Essential cookies are sometimes called “strictly necessary” as without them we cannot operate and administer the sites.

Essential Cookies

These cookies track information about visits to the sites so that we can make improvements and report our performance. For example: analyze visitor and user behavior so as to provide more relevant content or suggest certain activities. They collect information about how visitors use the sites, which site the user came from, the number of each user’s visits and how long a user stays on the sites. We might also use analytics cookies to test new ads, pages, or features to see how users react to them.

Analytics or Performance Cookies

During your visit to the sites, cookies are used to remember information you have entered or choices you make (such as your username, language or your region) on the sites. They also store your preferences when personalizing the sites to optimize your use of the sites, for example, your preferred language. These preferences are remembered, through the use of the persistent cookies, and the next time you visit the sites you will not have to set them again.

Functional or Preference Cookies

These Third- Party Cookies are placed by third- party advertising platforms or networks in order to deliver ads, track ad performance, and enable advertising networks to deliver ads that may be relevant to you based upon your activities (this is sometimes called “behavioral” “tracking” or “targeted” advertising) on the sites. They may subsequently use information about your visit to target you with advertising that you may be interested in, on the sites and other websites. For example, these cookies remember which browsers have visited the sites.

Targeting or Advertising Cookies

Third-Party Cookies

Third parties may use cookies on your computer or mobile device to advertise through our sites. These third-party companies may use information about your visits to the sites to advertise goods and services that may be of interest to you. They may also employ technology that is used to measure the effectiveness of the advertisements. The third-party companies can accomplish this by using cookies or web beacons to collect information about your visits to the sites. The information collected through this process does not enable us or them to identify your name or contact details unless you choose to provide them. The cookies from these third-party companies vary based on which company is providing the advertisement, therefore they may not be captured in this Privacy Policy.

Analytics

We may use service providers to provide site metrics and other analytics services. These service providers may use cookies (see above); web beacons (also called clear GIFs or pixels), which are small blocks of code that allow us to measure the actions of visitors using the MCCA sites; and other technologies to collect information, such as your IP address, identifiers associated with your device, other applications on your device, the browsers you use to access our sites and Services, webpages viewed, time spent on webpages, links clicked and conversion information (e.g., transactions entered into). This information may be used by MCCA and its service providers on behalf of MCCA to analyze and track usage of our sites and Services to determine the popularity of certain content and to better understand how you use our sites and Services.

To provide visitors with better service, each site may use analytics software to track usage activity of that site. If, at any time, you choose not to participate in the use of analytics software, please use your search engine’s (i.e. Google, Bing, Yahoo, etc.) available opt-outs for the web as described in the section How To Restrict Cookies. 

How To Restrict Cookies

You can adjust the settings in your browser in order to restrict or block cookies that are set by the sites (or any other website on the Internet). Your browser may include information on how to adjust your settings. Alternatively, you may visit www.allaboutcookies.org to obtain comprehensive general information about cookies and how to adjust the cookie settings on various browsers. This site also explains how to delete cookies from your computer.

You can control and delete these cookies through your browser settings through the following:

  • Google Chrome

  • Mozilla Firefox

  • Safari

  • Opera

  • Microsoft Internet Explorer

  • Microsoft Edge

  • Safari for iOS (iPhone and iPad)

  • Chrome for Android

You have the ability to accept or decline cookies. Most Web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of the MCCA services or Web sites you visit.

Security of your Personal Information

We take reasonable measures, including administrative, technical, and physical safeguards, to protect your information from loss, theft, misuse, and unauthorized access, disclosure, alteration, and destruction. When personal information (such as a credit card number) is transmitted to other Web sites, it is protected through the use of encryption, such as the Secure Socket Layer (SSL) protocol.

Children’s Online Privacy Protection Act Compliance and Related Information

The Children’s Online Privacy and Protection Act regulates online collection of information from persons under the age of 13. It is our policy to refrain from knowingly collecting or maintaining personal information relating to any person under the age of 18. If you are under the age of 18, please do not supply any personal information through the site. If you are under the age of 18 and have already provided personal information through the site, please have your parent or guardian contact us immediately using the information provided under Contact Information so that we can remove such information from our files.

Changes to this Statement

MCCA will occasionally update this Statement of Privacy to reflect company and customer feedback. MCCA encourages you to periodically review this Statement to be informed of how MCCA is protecting your information.

Contact Information

MCCA welcomes your comments regarding this Statement of Privacy. If you believe that MCCA has not adhered to this Statement, please contact MCCA at general@micatastrophic.com. We will use commercially reasonable efforts to promptly determine and remedy the problem.

download privacy policy