Privacy Policy

Last Updated: May 2025

Privacy protection is important to the Signal Mutual Indemnity Association Ltd. (“Signal”). This policy explains how we collect, use, disclose, and protect personal information collected both online and during the course of administering claims under the Longshore and Harbor Workers' Compensation Act (LHWCA) and its extensions.

Website Visitors

We collect IP addresses and domain names of visitors to www.signalmutual.com for site administration purposes, including trend analysis and performance improvement. This data is used strictly for internal purposes.

Certain areas of the website require registration and are password protected. These areas are intended solely for the use of Signal Members and approved partners. Registration allows us to verify that users are authorized to access restricted materials and services. Information provided during registration is used only for the stated purposes and is protected through appropriate physical, electronic, and managerial safeguards.

We do not sell, rent, or share any user data with marketers or advertisers.

Collection of Personal Information (Claimants)

We collect personal information necessary to administer claims under the LHWCA, including but not limited to:

• Name
• Contact details (address, phone, email)
• Social Security number
• Employment information
• Medical records related to workplace injuries
• Compensation and benefits details

Use of Personal Information

The information collected is used for:

• Processing claims and administering compensation
• Coordinating medical care and vocational rehabilitation services
• Meeting regulatory and legal obligations

Disclosure of Personal Information

Information may be shared as permitted by law and only as needed, including:

• With healthcare providers for treatment and evaluations
• With vendors or insurance carriers supporting claim administration
• With legal representatives involved in claim resolution
• With government agencies when legally required

SMS/Text Messaging Policy

To better support communication with claimants, Signal may use SMS/text messaging under the following strict protocols:

• Initial contact with a claimant will be by phone or in person.
• Verbal consent is required before initiating text communications.
• Only approved tools and devices may be used by Signal employees for texting.
• Each text message will include an opt-out option ("Reply STOP to unsubscribe").
• If a claimant replies "Stop", a confirmation will be sent, and no further texts will be sent.
• A claimant may later opt back in by texting "Join".
• Signal will never share or use a claimant’s phone number for third-party marketing.

Data Security

We employ a combination of physical, technical, and procedural safeguards to protect personal data from unauthorized access, misuse, or disclosure. This includes secure data storage, controlled access, authentication procedures, and routine security audits.

Claimant Rights

Claimants’ rights regarding their data are governed by the LHWCA and applicable federal administrative laws, including the Administrative Procedure Act and Federal Rules of Civil Procedure.

Changes to This Policy

Signal may revise this policy from time to time to reflect changes in law or practice. Updates will be posted on this website and communicated to affected individuals as appropriate.

Contact Us

For any questions or concerns about this policy or the handling of personal information, please contact:

Signal Management Services, LLC
20 Marshall Street, Suite 220
South Norwalk, CT 06854
Phone: +1 (203) 761-6060