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Your privacy is important to us. To better protect your privacy, we are providing this notice explaining our online information policies and practices. By visiting this website, you are consenting to the practices described in this Privacy Notice. 

Effective Date of This Privacy Notice
This privacy notice is effective August 2006 as revised January 2013, January 2016.

Categories of Personally Identifiable Information We Collect
We may receive and store information about you (such as name, address, gender, and age) whenever your broker provides this information to us through this website. We may also obtain information about you from third parties. This can happen in several ways: We may obtain information about employers and their employees through a participating insurance broker. This can occur when the employer requests a quotation for health insurance coverage. In order to obtain a quotation from us, the broker will obtain information regarding the employer's business and employees this information is provided to us for the quote. 

We may use cookies on our site. A cookie is a piece of data stored on the user's hard drive containing information about the user. Usage of a cookie is in no way linked to any personally identifiable information while on our site. A cookie cannot be used to access or otherwise compromise the data on your hard drive. The "help" portion of the toolbar on most browsers will tell you how to prevent your browser from accepting new cookies, how to have the browser notify you when you receive a new cookie, or how to disable cookies altogether. If the user rejects the cookie, they may still use our site but some functionality may be impaired.

Log Files
This site does record the IP or internet protocol address of users who log on to our site in order to make your use of this website more convenient. IP addresses are not linked to personally identifiable information.

Categories of Third Parties With Whom We May Share The Information We Collect
The information we collect through this website and from other sources is used to provide quotations for health insurance coverage through our health plans and to provide other products and services to our brokers. We may share information with our contracting health plan carriers during the underwriting process, as well as affiliated businesses. The information we receive is a significant part of our business and one of our primary assets. In the future we might buy or sell business assets, which may include this information. Also, in the event that we or substantially all of its assets are acquired, customer information may be one of the transferred assets. We may also release personally identifiable information when we believe that the release of such information is required by law or is necessary to protect the rights, property or safety of ourselves or others.

We adhere to the generally accepted standards of security for the purpose of protecting information provided by visitors to this website. Only employees who need the information to perform a specific job are granted access to this information. Our employees are required to use password-protected screen-savers and must re-enter their password to re-gain access to your information when they return after leaving their desks. Employees are kept up-to-date on our security and privacy practices.

Linked Sites
For your convenience, this website contains links to other websites that may be of interest to you. However, you should be aware that we have no control over these linked sites and are not responsible for the privacy policies and content of these sites. The privacy policies of these linked sites may not conform to the privacy policy maintained by us. We recommend that you check the privacy policy of any website you visit.

Children's Privacy Protection
This website is not designed for or intentionally targeted at children 13 years of age or younger. We collect information regarding children 13 years of age or younger only when that information is provided by or with the consent of their parents or guardians.

Notification of Changes
If we decide to change our privacy policy, we will post those changes on our website. Please review this page periodically for changes. Your use of the site constitutes acceptance of the provisions of this Privacy Policy and your continued usage after changes are posted acceptance of each revised policy. If you do not agree to the terms of this Privacy Policy or any revised policy, please exit the site immediately.

We believe the information provided on this web site is accurate and we make every effort to minimize errors. However, we cannot absolutely guarantee the accuracy of the information provided. If you find an error, or any inaccuracy, please inform us as soon as possible.

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