Privacy Policy

Your privacy is important to us. We take your privacy concerns seriously, and so we have adopted the following policy which explains our online information practices. This policy is a sign of our commitment to zealously safeguard your information. We hope that this notice of our policy will enable you to make informed choices about the way your information is collected and used, and that you will feel secure in visiting our website. This policy applies to all information collected or submitted on this website.

Confidentiality & Security

We maintain strict policies and procedures to protect your privacy and ensure the integrity of the confidential nature of your personal information. We employ physical, electronic, and procedural methods to protect your personal information from unauthorized access and anticipated threats or hazards. We restrict access to your information to only those employees with a "need to know" basis.

This website does not contain or have access to any information provided by you to our company offline as part of underwriting, policy service, loan application, account maintenance, or other similar services.

Children's Issues

At this time, this website is not directed to children under 13 years of age, and children under 13 years of age should not submit any individually identifiable information about themselves.

Personal Information

When you browse our website, you browse anonymously. We do not currently collect personal identifying information on visitors to our website except (1) to the extent that your web browser provides information to our web server (for example, the site you link from); (2) to the extent that you provide information to us in an e-mail message; and (3) to the extent that you provide information to us in CGI (Consumer Gateway Interface) form.

We use return e-mail addresses to answer the e-mail we receive, and we use the information you provide about yourself when contacting us or requesting services only for the purpose for which you have submitted it to us. Such e-mail addresses and personal information may be added to our Marketing databases and used for future marketing and/or electronic mailings regarding site updates, new products and services, upcoming events, and other promotional information. You may opt out of having your e-mail address and other information used by us to send you promotional correspondence by contacting us via postal mail, e-mail, or telephone.

If you send us information in regard to employment with our company, we only use such information for the purpose for which you have submitted it to us. We may add this information to our Human Resources database, but this information will not be used for marketing or promotional purposes. You may opt out of having your e-mail address and other information added to our Human Resources database by contacting us via postal mail, e-mail, or telephone.

We may use non-identifying and aggregate information to better design our website and share with advertisers. For example, this information may be collected and used for editorial and feedback purposes, for content improvement, to inform advertisers as to how many visitors have seen or clicked on their advertisements, or to customize the content and layout of this website.

Cookies [& Other Utility Tools]

"Cookies" are small data files that are transferred from some websites to a visitor's hard drive while that visitor is browsing the website. Cookies are used primarily for record-keeping purposes at many websites, for example, saving passwords and personal preferences of a visitor regarding the use of a particular website. Many consider the use of cookies to be an industry standard. We do not currently use cookies on this website, but may decide to use them at a future date.

Your Web browser might currently accept cookies. However, if you would prefer not to receive cookies, you can alter the configuration of your browser to refuse cookies. If you choose to have your browser refuse cookies, however, it is possible that some areas of our website will not function properly when you view them.

You have the right to delete the Internet cookies placed on your hard drive at any time. Doing so will erase the data about you as an individual visitor, so that when you revisit our website, it will not recognize you or your preferences.

Disclosure to Outside Third-Parties

We do not currently intend to sell or otherwise disclose nonpublic personal information about you to outside third parties for marketing purposes. Should we ever decide to share information to outside third parties for marketing purposes, we will provide advance notice of our new intentions to you and will give you an opportunity to prevent such a disclosure.

For all other purposes, we will not disclose any of your personally-identifying information to an outside third parties without your advance permission, except when we believe the law requires us to do so or we in good faith believe that such action is necessary to (1) comply with the law or with the legal process; (2) protect and defend our rights and property; (3) protect against misuse or unauthorized use of this website; or, (4) protect the personal safety or property of our customers or the public.

For purposes of this policy, the term "outside parties" does not include other companies within our corporate family (our parent company and any present or future direct or indirect subsidiary or division of our company or our parent company) or our attorneys.

Internet Risks

Although we have endeavored to create a secure and reliable website for consumers, and will use all reasonable efforts to safeguard your personal information, transmissions made on the Internet cannot be made absolutely secure. Accordingly, we are not responsible for the security of information transmitted via the Internet, and we will have no liability for disclosure of your personal information due to errors in transmission or unauthorized acts of outside parties.

Links to Other Internet Websites

You should be aware that other Internet websites to which you link from this site may be governed by privacy practices or contain privacy provisions that differ from ours. We have absolutely no control over the privacy procedures of any site that is linked to or from our site.

How to Correct Your Information

Upon a request via postal mail, e-mail, or telephone, we will provide you with a summary of any personal information submitted by you and retained by us. You may modify, correct, change, or update your personal record or request that your personal record be deleted from our databases. We will only send a summary of your personal record to the e-mail address on file for the visitor name associated with it.

Changes in Privacy Policy

We reserve the right to change this policy at any time by posting a new privacy policy at this location. You may want to check this policy semi-frequently so you can be fully informed as to our privacy practices.

If you have any further questions or comments about this policy, or you would like to opt out of any promotional contact, please contact us via one of the following methods:

Last Revised: February, 2003