Updated February 2023

Pinnacle Actuarial Resources, Inc. (“Pinnacle”) is committed to protecting your privacy and developing technology that gives you the most powerful and safe online experience. This Privacy Statement (this “Statement”) applies to the Pinnacle website: www.pinnacleactuaries.com. It governs how Pinnacle collects data from you and how it uses that data. By using www.pinnacleactuaries.com you consent to the data practices described in this Statement.

Please note that this Statement only applies to personal information obtained by Pinnacle and not information collected from your interactions with third parties. Pinnacle encourages you to review the privacy statements and policies of third-party websites you choose to link to from www.pinnacleactuaries.com so that you can understand how those websites collect, use and share your information. Pinnacle not responsible for the privacy statements or other content on websites outside of www.pinnacleactuaries.com.

WHAT IS PINNACLE AND HOW DO YOU CONTACT US?

Pinnacle is an independent actuarial consulting firm that ranks among the largest property/casualty actuarial firms in the United States and serves hundreds of captive and alternative market clients, self-insured employers, and risk retention groups. Pinnacle is the data controller responsible for your personal information under this Statement. Pinnacle Actuarial Resources, Inc. home office is located at 3109 Cornelius Drive, Bloomington, Illinois 61704.

Pinnacle welcomes your comments regarding this Statement. If you have any questions about this Statement, want to exercise your rights under this Statement or believe that Pinnacle has not adhered to this Statement, please contact Pinnacle by calling 844-373-2800 or by emailing us at websupport@pinnacleactuaries.com. If you notify Pinnacle of a complaint, Pinnacle will use commercially reasonable efforts to promptly review and investigate your complaint and take any action it deems reasonably necessary to remedy any issues it discovers.

WHAT KIND OF INFORMATION DOES PINNACLE COLLECT?

Pinnacle collects personal information, which is specifically requested from, and voluntarily provided by, registered users of the Pinnacle website; www.pinnacleactuaries.com This information includes a registered user’s individual name, email address, company name, address, postal code, and professional credentials.

Additionally, Pinnacle may collect personal information that it does not specifically request but may be submitted when an applicant responds to an online job application or provides a resume to Pinnacle through its website. This information may include: the applicant’s first name, the applicant’s last name, the applicant’s email address, the applicant’s telephone number, all information listed on the applicant’s professional resume, the applicant’s major, a list of the professional exams the applicant has passed, any internships completed by the applicant, the names of any universities the applicant graduated from and/or attended and the applicant’s GPA.

Pinnacle’s Statement is to limit the amount of information required to provide relevant content and information. If a visitor believes the site has collected excessive information, we encourage the visitor to contact us by calling 844-373-2800 or by emailing us at websupport@pinnacleactuaries.com to raise any concerns.

Please keep in mind that any comments made on public message boards are available to other users and visitors of the Pinnacle website. Any personal information or sensitive information included in comments or messages made on public message boards may be collected and used by third parties who view the comment or message.

WHY DOES PINNACLE COLLECT THIS DATA AND HOW IS IT USED?

Pinnacle may collect and use your personal information for a variety of reasons including to operate its business, deliver the services you have requested, market our business and to inform you about Pinnacle products, services and educational opportunities.

Additionally, your personal information is used by Pinnacle. to maintain the quality of its service, and to provide general statistics regarding use of www.pinnacleactuaries.com. In order to comply with applicable data protection law, Pinnacle makes sure that its use of your personal information falls under one or more lawful grounds such as for the performance of a contract, for legitimate business interests, to send you direct marketing with your prior consent, or to meet its legal obligations.

i. For the Performance of a Contract or Other Legitimate Business Interests

For example, during the course of fulfilling its contractual or professional obligations to its customers, Pinnacle may share data with trusted partners to help perform statistical analysis, send you email or postal mail, provide customer support, or arrange for deliveries.

ii. To Market and Promote

When it has your consent, Pinnacle uses your personal information to accurately target invitations for participation in educational opportunities. An example of an educational opportunity offered by Pinnacle is the APEX Webinars Pinnacle offers on a variety of topics.

When it has your consent, Pinnacle uses your personal information to market actuarial consulting services and to share its news, updates and thought leadership content. Examples of thought leadership content offered by Pinnacle include blogs, white papers and monographs. Pinnacle also uses your personal information to inform you of other products or services available from Pinnacle. and its affiliates. Pinnacle may also contact you via surveys to conduct research about your opinion of current services or of potential new services that may be offered.

Additionally, Pinnacle keeps track of the websites and pages its customers visit within Pinnacle to determine what Pinnacle services are the most popular. This data is used to deliver customized content and advertising within Pinnacle to customers whose behavior indicates that they are interested in a particular subject area.

iii. To Meet Legal Obligations

When required by law or where Pinnacle believes it is necessary to protect its legal rights, interests or the interests of others, Pinnacle may use personal information in connection with legal claims, compliance and for regulatory and audit purposes.

PINNACLE’S USE OF COOKIES

The Pinnacle website www.pinnacleactuaries.com uses "cookies" to help you personalize your online experience and simplify navigation of the website.

The Pinnacle website does not require the use of cookies, and visitors and users have the ability to accept or decline cookies. If you choose to decline cookies, you may not be able to fully experience the interactive features of the Pinnacle website.

HOW DOES PINNACLE OBTAIN YOUR DATA?

Pinnacle collects your personal data through personal contacts as well as via its website registration form. It also collects your personal data through participation in prior Pinnacle events and through permitted industry event mailing lists.

Pinnacle may also collect information through means such as cookies, website session information (e.g., IP address, browser type, domain names, access times and referring), or third-party data and combine this with personal information maintained by Pinnacle.

Pinnacle’s customers consent to provide this personal information when they complete a User Registration at Login or submit their resume in consideration for a position on the Careers Page of the website.

1.   Under California Rights Privacy Act (“CPRA”) California Residents – the personal information we collect includes a registered user’s individual name, email address, company name, address, postal code, and professional credentials and any other data the user entered during the registration process. 
2.   Active subscribers can request access to the information submitted during the registration process utilizing the form https://www.pinnacleactuaries.com/datarequest or calling 844-373-2800
3.   Active subscribers have the right to request Pinnacle Actuarial Resources, Inc. to correct inaccurate personal information. utilizing the form https://www.pinnacleactuaries.com/datarequest or calling 844-373-2800
4.   Active subscribers have the right to direct Pinnacle Actuarial Resources, Inc. to limit use and disclosure of sensitive personal information.

HOW LONG DOES PINNACLE RETAIN THE DATA IT COLLECTS?

The personal data users submit to Pinnacle will only be retained for as long as is required for the purposes for which it was collected. Contact information about visitors used for mailing lists is kept until a user unsubscribes to the publication or requests that we delete their information. Users can unregister or opt out by deleting their information directly from www.pinnacleactuaries.com.

Resumes of candidates for employment with Pinnacle are maintained by Pinnacle and disposed of per federal and state record retention laws, not to exceed four years.

SECURITY OF YOUR PERSONAL INFORMATION

Pinnacle has implemented generally accepted industry standards of technology, operational security, and best practices in order to protect the personal information it collects from loss, misuse, alteration or destruction. Only authorized Pinnacle personnel are provided access to personal information and these employees have agreed to maintain the confidentiality of this information.

Please be advised that no method of transmission over the Internet, or method of electronic storage, is 100% secure. Therefore, Pinnacle cannot guarantee the absolute security of your personal information.

DOES PINNACLE SHARE YOUR DATA WITH THIRD PARTIES?

Pinnacle does not sell, rent or lease its customer lists to third parties. Pinnacle may, from time to time, contact you on behalf of its external business partners about an offering that may be of interest to you. In those cases, your unique personal information is not transferred to the third party. In addition, Pinnacle 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 Pinnacle and they are required to maintain the confidentiality of your information.

In the event of the sale of all or substantially all of its business or another similar transaction, Pinnacle may transfer or disclose your personal information to a purchaser or a prospective purchaser, who may collect, use and disclose such information for the purposes of valuing the proposed transaction or operating and managing the affairs of the acquired business or for other purposes identified in this Statement.

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

Pinnacle reserves the right to disclose your personal information as required by law or in the good faith belief that such action is necessary to: (a) conform to the edicts of the law or comply with legal process served on Pinnacle or its website; (b) protect and defend the rights or property of Pinnacle and, (c) act under exigent circumstances to protect the personal safety of users of Pinnacle or the public.

Pinnacle’s website may contain links to websites operated by third parties. These third-party websites may collect your personal information. This Statement does not apply to the practices of third parties and Pinnacle does not assume any responsibility for the actions, practices and omissions of third parties. By using Pinnacle website and/or accessing a third parties’ website from www.pinnacleactuaries.com, you release Pinnacle from any responsibility for the actions, practices and omissions of third parties. Please check the privacy statement at each website you visit.

CHANGES TO THIS STATEMENT

Pinnacle may occasionally update this Statement to reflect company and customer feedback. If Pinnacle makes any changes, it will notify you by revising the “Last Updated” date at the top of this Statement and, in some cases, it may provide you with additional notice (such as adding a statement to its home page or sending you an email notification). If there are material changes to this Statement, Pinnacle will notify you more directly by email or means of a notice on the homepage prior to the change. Pinnacle encourages you to periodically review this Statement to be informed of how Pinnacle is protecting your information