Privacy Policy

Eastern Dentists Insurance Company (EDIC) is committed to protecting the privacy of our customers, applicants, policyholders, website visitors, and other individuals who interact with us. This Privacy Policy explains what categories of personal information EDIC may collect, the purposes for which we collect and use that information, the circumstances under which we may disclose it, the choices available to you, and how you may contact us with questions or requests.

EDIC does not sell, trade, or rent your personal information to others. We use personal information to provide insurance-related products and services, process requests and payments, communicate with you, improve our website and services, comply with legal and regulatory obligations, and protect EDIC, our customers, and our operations.

By accessing EDIC’s website or submitting personal information to EDIC, you consent to the collection, use, and disclosure of that information as described in this Privacy Policy.

Information We Collect

EDIC may collect personal information that you provide directly to us, that is generated through your use of our website or online services, or that we receive from authorized third parties in connection with insurance-related services.

Contact information, such as name, mailing address, email address, telephone number, and other contact details.
Professional and practice information, such as dental license information, education, practice location, specialty, employment history, practice ownership, and other information relevant to insurance eligibility or underwriting.
Insurance and claims information, such as policy number, coverage history, prior insurance, claims history, incident reports, applications, and information submitted in connection with underwriting, claims, or risk management services.
Financial and payment information, such as billing information and payment-related details needed to process transactions. EDIC does not store credit card or bank account information relating to online transactions. Account information relating to automatic payments is retained by a third-party payment processor.
Website and technical information, such as IP address, browser type, device information, pages visited, access times, cookie information, and website usage data.
Communications information, such as information you provide when you contact EDIC, request a quote, report a claim, subscribe to communications, participate in risk management programs, or otherwise communicate with us.

Sources of Information

You are the primary source of information EDIC collects about you. EDIC may also receive information from insurance agents or brokers, employers or practice entities obtaining insurance on your behalf, payment processors, claims representatives, defense counsel, reinsurers, professional associations, licensing agencies, prior insurers, and other persons or entities authorized by you or permitted by law to provide information relevant to your application, policy, claim, or services requested.

How We Use Information

To respond to requests, provide quotes, evaluate applications, verify eligibility, underwrite coverage, issue policies, process renewals, administer accounts, and provide customer service.
To process payments, maintain billing records, and support automatic payment arrangements through authorized third-party providers.
To investigate, evaluate, manage, and resolve claims or potential claims, including communications with claims professionals, legal counsel, experts, reinsurers, and other authorized parties.
To communicate with you about your application, policy, claim, account, coverage terms, services, risk management resources, newsletters, alerts, updates, educational programs, and other EDIC products or services.
To operate, maintain, personalize, protect, and improve EDIC’s website, systems, communications, programs, and services.
To perform internal business functions, including auditing, analytics, quality assurance, training, reporting, recordkeeping, compliance, and development of new or improved insurance programs and services.
To comply with applicable laws, regulations, subpoenas, court orders, governmental inquiries, tax obligations, fraud prevention requirements, sanctions screening, and other legal or regulatory obligations.
To protect the rights, safety, property, systems, operations, customers, employees, and customer-owners of EDIC.

Automatically Collected Information, Cookies, and Analytics

As is common with many websites, EDIC may collect certain information automatically when you visit our website, including your IP address, browser type, device information, pages accessed, date and time of access, referring website, and general usage information. EDIC may use cookies, log files, analytics tools (including Google Analytics), and similar technologies to operate the website, understand aggregate website activity, improve functionality, maintain security, and enhance the user experience.

You may be able to adjust cookie settings through your browser. If you disable cookies or tracking technologies, some website features may not function as intended. EDIC may use third-party analytics or security tools to help evaluate website usage, protect online forms, and prevent misuse. EDIC will not use automatically collected information in ways that are inconsistent with this Privacy Policy.

When We Share Information

EDIC may disclose personal information only as described in this Privacy Policy, as authorized by you, or as otherwise permitted or required by law. EDIC may share information with agents, brokers, payment processors, IT vendors, website and analytics providers, administrative service providers, claims administrators, defense counsel, reinsurers, auditors, regulators, law enforcement, courts, governmental authorities, and other parties as necessary to provide services, process transactions, manage claims, comply with legal obligations, or protect EDIC’s rights and operations.

When EDIC grants service providers access to personal information, EDIC expects them to use the information only as necessary to perform services for EDIC and to protect the confidentiality and security of the information. EDIC does not disclose personal information to unaffiliated third parties for their own marketing purposes.

Email, Newsletter, and Communication Preferences

If you voluntarily provide your email address, EDIC may use it to respond to your requests, communicate with you about your application, policy, claim, account, services, risk management resources, educational programs, newsletters, alerts, updates, and other EDIC products or services. If you do not wish to receive non-essential marketing or newsletter communications, you may unsubscribe by following the instructions included in the communication or by contacting EDIC. Please note that EDIC may continue to send service-related or legally required communications even if you opt out of marketing communications.

Mobile and Text Messaging Privacy

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Text messaging originator opt-in data and consent will not be shared with any third parties. EDIC may retain messages transmitted via SMS in an effort to better serve you, document service interactions, comply with legal obligations, or protect EDIC’s rights.

How to Review or Change Information

If your personal information changes, or if you believe information EDIC maintains about you is inaccurate, you may contact EDIC to request that the information be updated. EDIC may need to verify your identity before making changes or disclosing information. Certain records may be retained as required or permitted by law, regulation, underwriting standards, claims handling obligations, or legitimate business purposes.

How We Protect Information

EDIC uses reasonable administrative, technical, and physical safeguards designed to protect personal information. For information collected through our website, EDIC uses secure server software and encryption technologies intended to help protect information transmitted online, including sensitive payment-related information. However, no method of transmission over the Internet or method of electronic storage is completely secure, and EDIC cannot guarantee absolute security.

Links to Other Websites

EDIC’s website may include links to third-party websites or services. EDIC is not responsible for the privacy practices, security, or content of websites or services that EDIC does not control. We encourage you to review the privacy notices of any third-party websites you visit.

Children’s Privacy

EDIC’s website and services are not intended for children under the age of 13. EDIC does not knowingly seek to collect personal information from children under 13 through its website. If EDIC becomes aware that it has collected personal information from a child under 13 through the website, EDIC will delete the information as soon as reasonably practicable.

California Privacy Notice

California residents may have additional rights regarding EDIC’s use of their personal information under applicable California privacy laws. This section applies only to California residents and supplements the rest of this Privacy Policy. Some personal information collected by EDIC may be exempt from certain California privacy rights or requirements, including information subject to federal or state insurance, financial privacy, health privacy, employment, business-to-business, or other applicable legal exemptions.

Subject to applicable law and verification, California residents may have the right to request information about the categories or specific pieces of personal information EDIC has collected, the sources of that information, the purposes for which it was collected or used, and the categories of third parties to whom it was disclosed. California residents may also have the right to request deletion of personal information, correction of inaccurate personal information, limitation of certain uses or disclosures of sensitive personal information, and non-discriminatory treatment for exercising applicable privacy rights.

To submit a verifiable California privacy request, please contact EDIC. EDIC may need to verify your identity before processing the request and may deny the request in whole or in part if EDIC cannot verify your identity or if an exception applies. If EDIC denies a request, EDIC will provide an explanation as required by applicable law.

Changes to This Privacy Policy

EDIC may modify this Privacy Policy from time to time. If EDIC makes changes to its privacy practices, EDIC will update this Privacy Policy and post the revised version on its website. The revised policy will apply as permitted by law from the date it is posted or otherwise communicated.

Contact Us

If you have questions about this Privacy Policy or EDIC’s privacy practices, or if you would like to submit a request regarding your personal information, please contact EDIC at 800-898-3342 or through the contact information provided on EDIC’s website.