We are committed to protecting and respecting your privacy. Please see below the information we collect, how we use it, and the choices and controls you have.

1. Our commitment to privacy
   This privacy policy (“Privacy Policy”) sets out how the Metropolitan Underwriting Discussion Group (MUD) (“we”, “us” and “our” being interpreted accordingly), a volunteer-run organization based in New York, uses and protects the personal information about you that we collect or that you provide, whether through our website (www.mudgroup.org) or by other means.
   
   
2. Changes to our Privacy Policy
   Any changes we may make to our Privacy Policy in the future will be posted on this page and, where appropriate, notified to you by email. Please check back frequently to see any updates or changes to our Privacy Policy.
   
   
3. Information about you
   3.1. We may collect and process personal information from you in various ways, for example if you:Contact us by phone, email, online using a form on our website, or otherwise in writing;
   
   
   • Contact us by phone, email, online using a form on our website, or otherwise in writing;
   • Register for a MUD event, such as a conference or discussion group;
   • Purchase tickets or sponsorships;
   • Subscribe to our newsletter;
   • Visit our website.

   
   3.2. The type of personal information we collect includes your full name, email address, phone number, company name, payment card information, IP address, device/browser information, and website usage data (e.g. via cookies).

   3.3. Such personal information is referred to in this Privacy Policy as “Personal Data.”

4. Information we receive from other sources
   We may receive information about you from service providers such as payment processors (e.g. Stripe), email platforms (e.g. Mailchimp), and analytics tools (e.g. Google Analytics). We may also obtain publicly available information from sources like LinkedIn or corporate websites.
   
   
5. Personal Data about other people
   If you provide Personal Data to us about anyone other than yourself (e.g. colleagues or clients), you must ensure they consent to you sharing it with us for use as described in this Privacy Policy.
   
   
6. Sensitive Personal Data
   We do not intentionally collect sensitive Personal Data. If you provide us with such data voluntarily (e.g. in correspondence), we will consider it as given with your consent and will use it only for the purposes for which it was provided.
   
   
7. Uses we make of Personal Data

   7.1. We may use your Personal Data to:

   • Process ticket and sponsorship purchases;
   • Send event updates and information;
   • Improve and analyze our website performance;
   • Send marketing communications if you opt in;
   • Comply with legal obligations.

   
   7.2. We may also contact you for other purposes from time to time, such as surveys or program feedback.

8. Profiling
   We do not currently use profiling to analyze or segment users. If this changes, we will update this Privacy Policy and provide the ability to opt out
   
   
9. Legal obligations
   We process your Personal Data in accordance with applicable laws including the California Consumer Privacy Act (CCPA), and relevant U.S. data protection laws. MUD does not fall under the scope of GDPR as it does not operate within the EU.
   
   
10. Disclosing Personal Data to third parties
    We do not sell your Personal Data. We may share your information with:
    
    
    • Third-party service providers (e.g. Stripe, Mailchimp, Google Analytics) strictly for providing our services;
    • Authorities or legal bodies if required by law.
      
      
11. Where we store your Personal Data
    Your data is stored securely on systems hosted in the United States. Our service providers may store and process your information in accordance with their own privacy practices and applicable law.
    
    
12. Data Retention
    We retain Personal Data only as long as necessary to fulfill the purposes outlined in this policy, or as required by law. This includes maintaining records of transactions for accounting or legal compliance.
    
    
13. Cookies
    Our website uses cookies to distinguish you from other users and to help us improve your experience. For more information, please see our Cookies Policy.
    
    
14. Security
    We take reasonable technical and organizational measures to protect your Personal Data from unauthorized access or loss. However, no data transmission over the internet can be guaranteed to be fully secure.
    
    
15. Links
    Our website may contain links to websites of partners or third parties. Please review their privacy policies separately, as we are not responsible for their practices.
    
    
16. Your rights
    You have the right to:
    
    
    • Request access to the Personal Data we hold about you;
    • Correct or delete that data;
    • Withdraw your consent to marketing communications;
    • Object to our use of your data for certain purposes.
      To exercise these rights, please contact us at: mud@mudgroup.

     

17. Contact
    Questions or requests regarding this Privacy Policy should be sent to us by email at: mud@mudgroup.org or by mail to: Metropolitan Underwriting Discussion Group, New York, NY, USA.