Privacy Policy

We value and protect our customers’ privacy.

Precision Bill Review (PBR) does not disclose any non-public personal information about our policyholders, applicants, agents, customers or former customers to any non-affiliated third party other than disclosures required or permitted by law, and even then only for the purpose of transacting the business of your insurance coverage or policy or for other legitimate business purposes.

Collection of Information

In order to serve our customers and to provide workers’ compensation and related products and services, PBR may obtain information from many different sources, including:

Information that comes directly from our policyholders and/or their agents from applications for insurance and from other transactions and interactions with us;
Information that comes from our policyholders or other customers about employees who are workers’ compensation claimants;
Information about our customers from credit reporting organizations and other sources; and
Information about injured employees from insurance reporting organizations, health care providers, government agencies and other sources.

The type of information PBR collects depends on the type of policy or other product and includes the following:
Credit and other financial information;
Claims history;
Information regarding previous insurance policies and programs;
Information needed to investigate and resolve claims;
Employment records and information related to injured employees; and
Health care information and records needed to investigate and resolve work injuries.

We and our third-party providers may collect personal information about your device, browsing actions and website usage patterns when you visit or interact with our website, which may include log data (such as your internet protocol (IP) address, operating system, browser type, browser id, the URL you entered and the referring page/campaign, date/time of your visit, the time you spent on our services and any errors that may occur during your visit to our services), analytics data (such as the electronic path you take to our website, through our website and when exiting our website, as well as your usage and activity on our website) and location data (such as your general geographic location based on the log data we or our third-party providers collect).

We and our third-party providers may use (i) cookies or small data files that are stored on your computer and (ii) other, related technologies, such as web beacons, pixels, embedded scripts, location-identifying technologies and logging technologies (collectively, “cookies”) to automatically collect this personal information. For example, our website may use Google Analytics, a web analytics service provided by Google, Inc. (“Google”), to collect and view reports about the traffic on our online services. You can obtain more information on the use of Google Analytics for these analytical and non‑advertising purposes by visiting Google’s privacy policy here and you can view Google’s currently available opt-out options here.

If you would prefer not to accept cookies, most browsers will allow you to: (i) change your browser settings to notify you when you receive a cookie, which lets you choose whether or not to accept it; (ii) disable existing cookies; or (iii) set your browser to automatically reject cookies. Please note that doing so may negatively impact your experience using our website, as some features and offerings may not work properly or at all. Depending on your device and operating system, you may not be able to delete or block all cookies. In addition, if you want to reject cookies across all your browsers and devices, you will need to do so on each browser on each device you actively use. You may also set your email options to prevent the automatic downloading of images that may contain technologies that would allow us to know whether you have accessed our email and performed certain functions with it.

We may also obtain personal information from other sources that we often combine with personal information we collect either automatically or directly from you. For example, we may receive personal information from documents that our policy holders/agents provide to us related to the insurance services for which they engage us; or from third parties that interact with us in connection with the services we perform (such as medical providers who assist in processing claims).

Use of Information

We use personal information we collect about you or that you provide to us as needed for lawful business purposes including, presenting our website to you, providing you with information, products or services that you or your employer request from us or that we believe you may be interested in, data analysis, servicing insurance policies, administering claims, developing new products, and improving, enhancing or modifying our services, services (including training and refining automated tools leveraging artificial intelligence), identifying usage trends, and operating and expanding our business activities. You may ask us not to send you marketing communications by following any available opt-out instructions in the marketing communications you receive. Please note that we may continue to send you non-marketing communications even after you opt out.

Personal Information we collect automatically about your device, browsing actions and website usage patterns helps us monitor and improve our website and deliver a better and more personalized service by enabling us to: estimate our audience size and usage patterns; store information about your preferences; speed up your searches; and recognize you when you return to our website, among other things.

In addition, we use personal information we collect to prevent, investigate or provide notice of fraud or unlawful or criminal activity, to enforce and carry out contracts and agreements, and to comply with legal obligations.

Disclosure of Information

No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All other categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties. PBR does not sell private information about our policyholders or other customers, nor do we make private information available to nonaffiliated third parties for marketing purposes. No mobile opt-in or text message consent will be shared with third parties or affiliates for marketing purposes. We disclose such information only when it is necessary to conduct our insurance business, such as to:

Service policies we issue;
Investigate and pay claims;
Comply with state or federal regulatory requests for information; and/or
Process transactions that our customers request.

Accordingly, depending on the product or service involved, PBR may, for example, share this information with the following:

Insurance, workers’ compensation and other government regulators;
A policyholder’s or other customer’s independent insurance agent;
Reinsurance companies with whom we do business;
Health care providers;
Attorneys and other agents working on our behalf in the adjudication of claims; and
Data reporting agencies as required by law.

Standard messaging disclosure:

Messages and data rates may apply.
Message frequency may vary.
You can opt-out at any time by texting “STOP”
For assistance, text “HELP” or visit this privacy page (https://precisionbillreview.com/privacy/) and terms and conditions page (https://precisionbillreview.com/terms/).

We may disclose your personal information as needed for lawful business purposes including to our subsidiaries, contractors, claims providers, medical/pharmaceutical providers, data storage providers, communications providers, marketing and analytics providers, payment processors, event coordinators, other service providers and other third parties we use to support our business or this website.

We may take part in or be involved with a merger, acquisition, reorganization, financing, bankruptcy or a similar event. In connection with such an event, we may transfer to or assign to another entity, personal information collected through our website, if permitted by and done in accordance with applicable law.

We may also disclose your personal information to third parties, such as legal advisors and law enforcement, in connection with the establishment, exercise or defense of legal claims, to comply with laws and regulations or to respond to lawful requests and legal process, to protect our rights and property and the rights and property of others, to detect, suppress or prevent fraud, to protect the health and safety of us and others, or as otherwise required by applicable law, court order, subpoena, or other legal or regulatory requirement.

We may also disclose your personal information to certain other third parties with your consent.

Please note that while you may choose to opt-in to receive communication from us, this action does not constitute consent for third parties to contact you. Your consent to receive communications from us is separate from any permissions granted to third parties. We are committed to protecting your privacy and will not share your personal information with third parties for their marketing purposes without your explicit consent.

Safeguarding Information

PBR maintains physical and electronic safeguards to prevent access to nonpublic personal and proprietary information about our customers. We also comply with all applicable state and federal privacy and nondisclosure laws and regulations. Please also see PBR’s terms and conditions on https://precisionbillreview.com/terms/.

Questions

If you have questions or comments regarding this privacy and nondisclosure statement, please contact PBR at (toll-free) 605-362-5699.

Or contact us via email

This privacy and nondisclosure statement applies to PBR and to each of its affiliated companies.