This privacy notice is for all visitors from the European economic area. If you are located outside the EEA, please click here.
Mercer LLC and its affiliates (we/The Company) are all affiliates of Marsh & McLennan Companies, Inc. (MMC). We are committed to safeguarding the privacy of our clients and users (you/your) who visit our websites (the "Site”). This Privacy Notice is intended to inform you of the ways in which we collect personal information, the uses to which that information will be put, and the ways in which we will protect any personal information you choose to provide us directly or via this Site, or via your employer or your benefit programme sponsor.
There may be additional personal (and other) information that we have or collect about you or your company pursuant to other relationships which is subject to other notices, agreements and rules. In particular, to find out how we use your data processed by us in the course of our UK Actuarial Services and Career Workforce Products view our privacy notices at https://www.uk.mercer.com/data-protection.html
This Privacy Notice covers the following areas:
(1) Information we collect about you
We will collect and process all or some of the following personal information about you:
(a) Information Voluntarily Provided by You:
In the course of using this Site, you may choose to provide us with information to help us serve your needs. For example, you may provide us your e-mail address to request information, or you may send us your mailing address so we may send you the material you have requested. You may also choose to apply for a job at the Company and submit a job application via our careers site http://www.mmc.com/join-us/overview.html. Any personal information you send us will be used only for the purpose indicated on the careers site or in this notice.
(b) Our correspondence
If you contact us, we will typically keep a record of that correspondence.
(c) Survey information
If we ask you to complete surveys that we use for research purposes, we shall collect the information provided in the completed survey.
(d) Website and communication usage
Details of your visits to the website and information collected through cookies and other tracking technologies including, but not limited to, your IP address and domain name, your browser version and operating system, traffic data, location data, web logs and other communication data, and the resources you access.
(2) How we use your personal information
This section sets out the purposes for which we use personal information that we collect and, in compliance with our obligations under applicable data protection laws of the European Economic Area (EEA) and United Kingdom (UK), identify the “legal grounds” on which we rely to process the information.
EEA and UK Data Protection Laws allows companies to process personal information only when the processing is permitted by the specific “legal grounds” set out in the law (the full description of each of these grounds can be found here).
Please note that in addition to the disclosures we have identified below, in some circumstances we will also disclose personal information to service providers, contractors, agents and affiliates of the Company or MMC that perform activities described in this notice on our behalf.
(a) To communicate effectively with you and conduct our business
To conduct our business, including to respond to your queries, to otherwise communicate with you, or to carry out our obligations arising from any agreements entered into between you and us, which in some circumstances may include sharing your data with third parties such as agents or contractors or with our advisors (e.g. legal, financial, business or other advisors) or with other companies in MMC’s corporate group (MMC Affiliates).
Use justification: contract performance and legitimate interests (to enable us to perform our obligations and provide our services to you)
(b) To provide you with marketing material
To provide you with updates and offers, where you have chosen to receive these. We may use your personal information to provide you with information about products or services which we think would be of interest to you. We may also share your personal information with MMC Affiliates so that they can provide you with information about their products and services. These may be sent by email, SMS, phone, fax or post.
Within MMC, we operate under a number of brands and you may receive such communications from our different trading names, such as, Mercer, Mercer Marsh Benefits (MMB), Darwin, Marsh, Marsh Commercial, Marsh Networks and others.
We take care to ensure that our marketing activities comply with all applicable EEA and UK legal requirements. In some cases, this may mean that we ask for your consent in advance of us or MMC Affiliates sending you marketing materials.
In all cases, you can always opt out of receiving marketing communications from us or MMC Affiliates, at any time. We will always provide an option to unsubscribe or opt-out of further communication on any electronic marketing communications sent to you or you may opt out by contacting us as set out below.
Please note that, even if you opt out of receiving marketing messages, we may still send you communications in connection with the services we provide to you.
Use justification: consent and legitimate interest (to keep you updated with news in relation to our products and services)
(c) For research and development purposes
To analyse your personal information together with information from other clients for data analytics purposes, including to create insights, reports and other analytics to better understand and improve the quality of and market Mercer’s advice, products and services. The output of such analytics does not identify particular clients or individuals.
Use justification: legitimate interests (to allow us to improve our services)
(d) To monitor certain activities
To monitor queries and transactions to ensure service quality, compliance with procedures and to combat fraud.
Use justification: legal obligations, legal claims and legitimate interests (to ensure the quality and legality of our services)
(e) To inform you of changes
To notify you about changes to our services and products
Use justification: legitimate interests (to notify you about changes to our services)
(f) To ensure website content is relevant
To ensure that content from our websites is presented in the most effective manner for you and for your device, which may include passing your data to MMC Affiliates, business partners, suppliers and/or service providers.
Use justification: contract performance, legitimate interests (to allow us to provide you with content and services on the websites)
(g) To reorganise or make changes to our business
If we: (i) are subject to negotiations for the sale of our business or part thereof to a third party; (ii) are sold to a third party; or (iii) undergo a re-organisation, we may need to transfer some or all of your personal information to the relevant third party (or its advisors) as part of any due diligence process for the purpose of analysing any proposed sale or re-organisation. We may also need to transfer your personal information to that re-organised entity or third party after the sale or reorganisation for them to use for the same purposes as set out in this notice.
Use justification: legitimate interests (in order to allow us to change our business)
(h) In connection with legal or regulatory obligations
We process your personal information to comply with our regulatory requirements or as part of dialogue with our regulators as applicable which may include disclosing your personal information to third parties, the court service, regulators and/or law enforcement agencies in connection with enquiries, proceedings or investigations by such parties anywhere in the world or where compelled to do so. Where permitted, we will direct any such request to you or notify you before responding unless to do so would prejudice the prevention or detection of a crime.
Use justification: legal obligations, legal claims, legitimate interests (to cooperate with law enforcement and regulatory authorities)
(i) For Fraud, Anti-Money Laundering and Sanctions Screenings
When establishing or maintaining client relationships for the provision of certain services we process your personal information for the purposes of carrying out fraud, anti-money laundering or sanctions violations checks.
Use justification: legal obligations
(3) How we protect your personal information
(a) Security over the internet
No data transmission over the Internet or website can be guaranteed to be secure from intrusion. However, we maintain commercially reasonable physical, electronic and procedural safeguards to protect your personal information in accordance with data protection legislative requirements.
All information you provide to us is stored on our or our secure servers and accessed and used subject to our security policies and standards. Where we have given you (or where you have chosen) a password which enables you to access certain parts of our websites, you are responsible for keeping this password confidential and for complying with any other security procedures that we notify you of. We ask you not to share a password with anyone.
(b) Export outside the EEA and the UK
Your personal information may be accessed by staff, MMC Affiliates or suppliers in, transferred to, and/or stored at, a destination outside the country in which you are located, whose data protection laws may be of a lower standard than those in your country. We will, in all circumstances, safeguard personal information as set out in this Privacy Notice.
Where we transfer personal information from inside the EEA or the UK to outside the EEA or the UK, we are required to take specific measures to safeguard the relevant personal information. Certain countries outside the EEA and the UK have been approved by the European Commission or the UK government as providing essentially equivalent protections to EEA and UK data protection laws and therefore no additional safeguards are required to export personal information to these jurisdictions. In countries which are not subject to this approval (see the full list here), we will establish legal grounds justifying such transfer, such as MMC Binding Corporate Rules, model contractual clauses, or other legal grounds permitted by applicable legal requirements.
Please contact us as set out below if you would like to see a copy of the specific safeguards applied to the export of your personal information.
(c) Storage Limitation
We will retain your personal information for as long as is necessary for the processing purpose(s) for which it was collected and any other permitted linked purpose (for example where we are required to retain personal information for longer than the purpose for which we originally collected it in order to comply with certain regulatory requirements). Our retention periods are based on business needs and your information that is no longer needed is either irreversibly anonymised (and the anonymised information is retained) or securely destroyed.
(4) Your rights & contacting us
You have the right to ask us not to process your personal information for marketing purposes. You can exercise the right at any time by clicking the “unsubscribe” option on any electronic marketing communication sent to you or by contacting us as set out below.
(b) Updating Information
We will use reasonable endeavours to ensure that your personal information is accurate. In order to assist us with this, you should notify us of any changes to the personal information that you have provided to us by contacting us as set out below.
(c) Your Rights
If you have any questions in relation to our use of your personal information, you should contact us as set out below. Under certain conditions, you have the right to require us to:
Your exercise of these rights is subject to certain exemptions to safeguard the public interest (e.g. the prevention or detection of crime) and our interests (e.g. the maintenance of legal privilege). If you exercise any of these rights we will check your entitlement and respond in most cases within a month.
If you are not satisfied with our use of your personal information or our response to any exercise of these rights you have the right to complain to the data protection regulator in your country.
(d) Contacting Us
Depending on where you are located, the “data controller” of your personal information processed by us under this Privacy Notice will be different. Please see here for a list of which group companies will be data controllers in which countries.
If you have any questions in relation to this Privacy Notice, please contact our Data Protection Officer at firstname.lastname@example.org.
(6) How changes to this Privacy Notice will be made
This Privacy Notice was last updated on 1 June 2021.