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Privacy Statement

Last Updated: 10-30-2025

This Privacy Statement applies to USAble MCO, a wholly owned subsidiary of USAble Mutual Insurance Company. USAble MCO is approved to operate through certification by the Arkansas Workers’ Compensation Commission (AWCC). We will use the name  “USAble MCO” (“we,” “our,” or “us”) as a shorthand reference throughout this Privacy Statement.

This Privacy Statement applies to the personal identifying information (which is information related to an identified or identifiable individual also called “PII”) we collect through the website or app from which you accessed this Privacy Statement (the “Site”).

This Privacy Statement also does not apply to other websites, apps, or online services that we control or maintain that do not link to this Privacy Statement. Please note that we will indicate any changes to this Privacy Statement by revising the “Last Updated” date at the top of the Privacy Statement. Any such changes are effective when we post the revised Privacy Statement on the Site.

1. Personal Information (PII) We Collect

PII we collect through the Site may include:

  • Contact information, such as first name, last name, date of birth, email address, telephone number, and mailing address
  • Customer Service Information and User Content, such as information you provide when contacting our customer service department, or your views, comments and other communications providing feedback, comment or content (“User Content”)

2. Cookies and Other Similar Technologies

We, and our vendors, may use cookies, web beacons, pixels, APIs, and other similar technologies on the Site for various purposes such as to help the Site store your preferences and settings, enable functionalities and features, support Site performance, conduct analytics such as to identify where the Site needs to be fixed, combat fraud, and perform marketing. These technologies may process certain information about your interactions with the Site, across the internet and devices, over time, such as IP address, device ID, browsing and search history, browser types, operating system details, referring URLs, length of visits, traffic data, and your time zone.

You may be able to manage certain of these technologies by adjusting your browser or device settings. Note that we do not respond to browser Do-Not-Track signals. We are not responsible for any manager or settings tools provided by third parties, including their functionality.

3. Purpose of Use and Disclosure of Personal Information (PII)

We collect, use, and disclose (such as to subsidiaries and affiliates, vendors, marketing partners, business partners, and other entities) personal information to:

  • Maintain and improve the Site and our services, including providing you services you request
  • Help you book attendance for community events and customer service appointments
  • Communicate with you, including in relation to community events, customer service inquiries, or marketing emails
  • Market and promote our service, including on other platforms we do not control
  • Conduct internal analyses, such as surveys, studies, market research, monitoring or analyzing trends, usage and activities
  • Detect and prevent fraud, enforce our legal rights, comply with certain obligations under applicable laws, regulations, and legal processes, as well as establish or exercise our legal rights, for fraud or crime-prevention purposes, or for the protection of the rights, property, or safety of our company or third parties
  • Otherwise process your personal information at your direction

Additionally, we may disclose personal information as part of a prospective or actual corporate transaction or proceeding such as a merger, financing, acquisition, bankruptcy, dissolution, or at transfer, divestiture, or sale of all or a portion of our business or assets.

4. Your Choices

By adding User Content to the Site users understand and acknowledge that this information may be available to the public and grant USAble MCO a nonexclusive license to display, reproduce, transmit, modify such User Content, and the right to use it for internal and external marketing purposes. Please note that other users may access and distribute posted information beyond the control of USAble MCO. Individuals who do not wish to have their User Content used, published, copied and/or reprinted, should not post on this Site.

To opt-out of marketing emails, you may use the opt-out method described in those marketing emails. You may not be able to opt-out of receiving certain electronic communications from us, such as transactional communications or legal notices.

California residents may request certain information about certain types of personal information we disclose to third-parties for the third-parties’ direct marketing purposes. To submit this type of request, email us using the contact information below with “California Shine the Light Request” as part of the subject line. The information we provide and our response is subject to applicable law.

5. Links and Interactive Features

The Site may contain links to other websites and online services and interactive features provided by third-parties that are not maintained or controlled by USAble MCO. Our vendors may process the information obtained through the features on the Site to provide services on our behalf. Your use of the interactive features on the Site is voluntary. We have no control over and are not responsible for services provided by third-parties and this Privacy Statement does not apply to websites and online services not controlled or maintained by us.

6. Data Security

We maintain reasonable and adequate technical, administrative, and physical security and confidentiality measures designed to help protect your PII from unauthorized access or acquisition. Confidentiality of information transmitted via this Site or over the internet cannot be guaranteed to be completely secure.

7. International Visitors to the Site

If you are located outside of the United States, by using the Site you acknowledge that we collect, process, and store PII in the United States. You also acknowledge that the data protection and privacy laws in the United States may not offer the same level of protection as the applicable laws in your location.

8. Contact Us

You may contact us at [email protected].