The security of all information associated with our users is an important concern to us. We exercise care in providing secure transmission of your information from your computer to our servers. Unfortunately, no data transmission over the Internet can be guaranteed to be 100% secure. As a result, while we strive to protect your personal information, we cannot ensure or warrant the security of any personal information you transmit to us or from our online products and services, and you do so at your own risk. Once we receive your transmission we use industry standard efforts to safeguard the confidentiality of your personal information, such as firewalls, etc. However, "perfect security" does not exist on the Internet.
The insurance premium rate quotes provided to you through this website are for pricing comparisons and quotation estimate purposes only. The insurance rate quotes provided are based on general assumptions that may or may not be applicable to you and are subject to change at any time. These rate quotes do not constitute an offer of insurance, nor is any contract, agreement, or insurance coverage implied, formed or bound by the provision of rate quotes. Insurability, final insurance premium rate quotes and an offer of insurance, if any, will be determined by the insurance company providing your insurance policy. You must contact the independent agent directly to obtain a quote for binding purposes.
This site is intended for a United States audience. Any information you provide, including any personal information, will be transferred to and processed by a computer server located within the U.S.
Cookies and non-personal information
“Non-personal information” means information that does not permit us to specifically identify you by your full name or similar unique identifying information such as a social security number, member identification number, address or telephone number. The Company uses various technologies, which may include “cookie” technology, to gather non-personal information from our website visitors, such as which pages are used and how often they are used, and to enable certain features on this website.
“Cookies” are small text files that may be placed on your computer when you visit a website. Cookies may include “single-session cookies” which generally record information during only a single visit to a website and then are erased, and “persistent” cookies which are generally stored on a computer unless or until they are deleted or are set to expire. Your computer may permit you to disable cookies and similar items by adjusting your browser preferences at any time; however, this may limit your ability to take advantage of all the features on this website.
We may also collect other forms of non-personal information, such as what web browsers are used to read our website, and what websites are referring traffic or linking to our website. Aggregate and de-identified data regarding website users is also considered non-personal information.
We may use and disclose non-personal information unless restricted by this policy or by law. Some examples of the ways we use non-personal information include:
Customizing your experience on the website, including managing and recording your preferences.
Marketing, product development, and research purposes.
Tracking resources and data accessed on the website.
Developing reports regarding site usage, activity, and statistics.
Assisting users experiencing website problems.
Enabling certain functions and tools on this website.
Tracking paths of visitors to this site and within this site.
Your Personal information
“Personal information” means information that specifically identifies you as an individual, such as your full name, telephone number, email address, postal address, or certain account numbers.
This website may include web pages that give you the opportunity to provide us with personal information about yourself. You do not have to provide us with personal information if you do not want to; however, that may limit your ability to use certain functions of this website or to request certain services or information.
We may use personal information for a number of purposes such as:
To respond to an email or particular request from you.
To personalize the website for you.
To process an application as requested by you.
To administer surveys and promotions.
To provide you with information that we believe may be useful to you, such as information about health products or services provided by us or other businesses.
To perform analytics and to improve our products, websites, and advertising.
To comply with applicable laws, regulations, and legal process.
To protect someone’s health, safety, or welfare.
To keep a record of our transactions and communications.
As otherwise necessary or useful for us to conduct our business, so long as such use is permitted by law.
We may use personal information to contact you, consistent with applicable law, through any contact information you provide through our websites, including any email address, telephone number, cell phone number, text message number, or fax number. Please see the section below titled “Our online communications practices.”
We may share personal information within the Company, and we may combine personal information that you provide us through this website with other information we have received from you, whether online or offline, or from other sources, such as from our vendors. For example, if you have purchased a product or service from us, we may combine personal information you provide through this website with information regarding your receipt of the product or service.
Sharing personal information
We may share personal information if all or part of the Company is sold, merged, dissolved, acquired, or in a similar transaction.
We may share personal information in response to a court order, subpoena, search warrant, law, or regulation. We may cooperate with law enforcement authorities in investigating and prosecuting activities that are illegal, violate our rules, or may be harmful to other visitors.
If you submit information or a posting to a chat room, bulletin board, or similar “chat” related portion of this website, the information you submit along with your screen name will be visible to all visitors, and such visitors may share with others. Therefore, please be thoughtful in what you write and understand that this information may become public.
We may share personal information with other companies that we hire to perform services on our behalf or collaborate with.
For example, we may hire a company to help us send and manage email, and we might provide the company with your email address and certain other information in order for them to send you an email message on our behalf. Similarly, we may hire companies to host or operate some of our websites and related computers and software applications.
Reviewing your information
This website may permit you to view your visitor profile and related personal information and to request changes to such information. If this function is available, we will include a link on this website with a heading such as “Client Center” or similar words. Clicking on the link will take you to a page (“Client Center” or similar words) through which you may review and request changes to your visitor profile and related personal information.
Website and information security, and third party tools
We use a number of physical security (such as locks and alarm systems), electronic security (such as passwords and encryption methods), and procedural security methods (such as rules regarding the handling and use of information), designed to protect the security and integrity of information submitted through this website. Due to the nature of the Internet and online communications, however, we can not guarantee that any information transmitted online will remain absolutely confidential, and we are not liable for the illegal acts of third parties, such as criminal hackers. When you are accessing third party tools that appear on this website (for example, Google maps), the third party may also collect information about you, including information such as an Internet protocol (IP) address.
Our online communication practices
We send electronic newsletters, notification of account status, and other communications, such as marketing communications, on a periodic basis to various individuals and organizations. We may also send email communications regarding topics, such as general health benefits, website updates, health conditions, and general health topics. We offer you appropriate consent mechanisms, such as opt-out, for marketing and certain other communications. As examples, you may click on the opt-out button associated with the specific email communication or contact us as described below in the section “Contact Us.”
Please be aware that opt-outs may not apply to certain types of communications, such as account status, website updates, and other communications.
Most email, including any email functionality on our site, does not provide a completely secure and confidential means of communication. If you send an email communication to us, it is possible that your email may be accessed or viewed inappropriately by another Internet user while in transit to us. If you wish to keep your information completely private, you should not use email.
Information for children under 13
We will not intentionally collect any personal information from children under the age of 13 through this website without receiving verifiable parental consent. If you think that we have collected personal information from a child under the age of 13 through this website, please contact us.
Social Security Number Protection Policy: Protecting personal information is important to VIP Insurance Professionals. It is our policy to protect the confidentiality of Social Security numbers ("SSNs”) that we receive or collect in the course of business. We secure the confidentiality of SSNs through various means, including physical, electronic, and administrative safeguards that are designed to protect against unauthorized access. It is our policy to limit access to SSNs to that which is lawful, and to prohibit unlawful disclosure of SSNs.