Last Updated; November 24, 2003

As a leader in providing various types of insurance policies, Insurance Planners knows the value of information. We also understand the privacy issues involved in using the Internet and we appreciate your trust. For these reasons, we believe that you have the right to know exactly how we collect and use information on our websites.

What information does Insurance Planners gather about me?
You are able to browse Insurance Planners's web sites without revealing any personal information. However, there are times that your information is necessary when you place an order, register your product, enter contests or respond to promotional campaigns.

For example, if you request a quote from Insurance Planners's web site, we will collect personal information such as contact information, medical information and marital information so we can properly process your quote.

Back to top.

How does Insurance Planners use this information?
Insurance Planners gathers your information to personalize and continually improve your online quote, including the following:

•	The information collected on Insurance Planners's sites is used to process your quote, to provide you the highest quality of service, to tell you about opportunities we think will be of interest to you, and to understand your needs so that we can serve you better. For example, we may use your email or postal address to alert you about new products or to tell you about opportunities we think will be of special interest to you.
•	Insurance Planners creates aggregate reports on user demographics and traffic patterns for internal use and, on occasion, for our partners - again with a view towards improving our service to you. This tracking is not tied to personally identifiable information.
•	Insurance Planners tracks and catalogs the search terms that users enter in the various search engines, but this tracking is not tied to personally identifiable information.

Occasionally, Insurance Planners sends product registrants email communications with information we think they will find useful, including information about new products and services from our selected partners. It is our policy to refrain from sending messages to customers who have asked us not to do so, excluding an initial email message that confirms receipt of your quote request.

If you prefer not to receive promotional information from us, we make it easy for you to let us know. You can let us know at any time by visiting our web site or clicking on the opt-out link at the bottom of your email.

Back to top.

Will Insurance Planners share my information with other companies?
Insurance Planners does not sell, rent, or lease customer information. We do employ other companies and individuals to perform functions on our behalf, and may need to disclose personally identifiable information in order to process many of the activities and functions that Insurance Planners customers request. Examples include sending postal mail and email that customers have requested, removing repetitive information from customer lists, analyzing data, providing assistance processing credit card payments, and providing customer service. These companies, that Insurance Planners has partnered with, need to access personal information to perform their functions, but may not use it for other purposes.

A part from this, we disclose personal information only in the good faith belief that we are required to do so by law, or that doing so is reasonably necessary to:

1. Comply with legal process;
2. Respond to any claims; or
3. Protect the rights, property, or personal safety of Insurance Planners, our customers, or the public.

Insurance Planners may provide information in statistical form, including web sessions, sales, etc., to reliable third parties. These trend statistics will not contain any personal or identifying information.

Back to top.

How does Insurance Planners secure my personal information?
Insurance Planners uses reasonable precautions to protect your personal information stored on our system from loss, misuse and unauthorized access, disclosure, alteration and destruction. While no computer system is completely secure, we believe the measures implemented by our site reduce the likelihood of security problems to a level appropriate to the type of data involved.

Back to top.

What are cookies and how does Insurance Planners use them?
A cookie is a small data file that certain Web sites write to your hard drive when you visit them. A cookie file can contain information (such as a user ID) that the site uses to track the web pages you have visited or how often you've visited e Insurance Planners's site. However, the only personal information a cookie can contain is information you supply yourself. A cookie cannot read data off your hard disk and one Web site cannot read a cookie file created by another Web site. If you have set your browser to warn you before accepting cookies, you will receive the warning message with each cookie. You can refuse cookies by turning them off in your browser.

Back to top.

Does Insurance Planners collect information on children?
Insurance Planners encourages parents to take an active interest in their children's use of the Internet. Insurance Planners does not intend to collect information from children who are under the age of 13. If you are under 13, you should not provide information on this site and should ask your parent to do so for you. If Insurance Planners discovers that it has received information from a person under 13 years of age, it will be deleted and not used for any purpose.

Back to top.

How do I unsubscribe from Insurance Planners email communications?
We hope you enjoy receiving messages from Insurance Planners but if you prefer to be removed from our mailing list, we will be happy to unsubscribe you. We will always keep your information in case we need to notify you of a problem with a product but we will identify you as a user who does not wish to receive any further non-critical information.

If at any time you wish change your personal information or opt-out from receiving messages, please update your account by calling us at 866-582-0003.

Back to top.

How do I update or correct my Insurance information?
Anytime you wish to change your personal information or opt-out from receiving messages, please update your account by calling us at 866-582-0003.

Back to top.

How do I contact a Insurance Planners if I have further questions?
Please contact Insurance Planners if you have any questions about this privacy statement, the practices of Insurance Planners's web sites, or your experience with the sites.

•	US customers may call 1-866-582-0003

Back to top.

Will I be notified if Insurance Planners's privacy policy changes?
Insurance Planners continually improves the web sites by adding new functionality and features. Insurance Planners is also improving and adding products, services and programs. Because of these changes, changes in the law and the changing nature of technology, our data practices will evolve over time. Insurance Planners reserves the right to change, modify, add, or remove portions of this Privacy Policy at any time, but will alert you that changes have been made by indicating on the Privacy Policy the date it was last updated. When you visit any of the Insurance Planners sites, you are accepting the current version of this policy as posted on the site at that time. We encourage you to review our Privacy Policy whenever you use this web site to make sure you understand how your information will be used.

Back to top.

Section 1
Insurance Planners gathers user information at times of purchasing, customer support, software downloads and otherwise as follows:

A.	Insurance Planners's Online Store: Insurance Planners provides Insurance Planners products and Third-Party products for purchase and, at the time of purchase, you are required to provide your credit card number to conclude the transaction and your mailing address to ensure proper delivery. Credit card information is never transferred to our customer database and is only used for collection purposes.
B.	Insurance Planners Forums: During registration for the Insurance Planners Forums support service, the registrant is asked to provide information such as name, email address, the Insurance Planners products owned by the registrant, and other information. The registrant's name, email address, and the Insurance Planners products owned will be added to Insurance Planners\'s customer database, unless you instruct us otherwise. This information helps us to inform customers when upgrades or changes to products occur. Any other information provided by the registrant will be used only in an aggregate form to help Insurance Planners better define the likes, dislikes and general demographic picture of its customers. Remember that any information you disclose while posting messages to the Insurance Planners Forums message boards is immediately accessible by the public - discretion should be used in posting personally identifiable information within such forums.
C.	Software Download: Insurance Planners makes available various software applications for download from the Insurance Planners sites. Before software can be downloaded, you are asked to provide information such as name, email address, the Insurance Planners products owned by the registrant, and other information. The registrant's name, email address, and the Insurance Planners products owned will be added to Insurance Planners's customer database, unless you instruct us otherwise. Any other information provided by the registrant will be used only in an aggregate form to help Insurance Planners better define the likes, dislikes and general demographic picture of its customers. Insurance Planners may also offer Third-Party software for download (such as Adobe ActiveShare software or RealNetwork's RealJukebox software). Visitors requesting to download such Third-Party software are required to provide information such as name, email address, the Insurance Planners products owned by the registrant, and other information. This information may be shared with both Insurance Planners and the owner of the Third-Party software. If you have any questions about the privacy practices of any of the Third-Party software owners, Insurance Planners invites you to visit their respective sites to learn more before submitting your information at the time of download.
D.	Contests and\or Sweepstakes: Insurance Planners often offers contests and sweepstakes on the Insurance Planners sites. Because the rules and terms of each contest or sweepstake can vary, all information about each contest or sweepstake will be clearly posted during the event. All contests and sweepstakes are conducted in full accordance with United States federal and state laws. When registering for a contest or sweepstake, Insurance Planners requests certain personal information. At a minimum, the required information includes name and email address; in some cases, the user must answer mandatory survey questions about a range of other personal data. The information gathered in the entry form is used to: Verify the entrant's identity; To send the entrant an email notification that their entry has been received; To contact winners and/or prize recipients; and To compile general, non-personal demographic information.
E.	Surveys: Occasionally Insurance Planners conducts on-line user surveys or polls to better target the content of the Insurance Planners sites and the Insurance Planners products to our Web visitors and the public in general. We sometimes share the aggregated demographic information in these surveys with our partners. We never share information about specific individuals with any third party.
F.	Insurance Planners Forums Support Service: Users of the Insurance Planners Forums must register separately (free of charge) in order to post messages on the Insurance Planners Forums (although a user need not register to simply read information posted there). During registration, the user is required to supply a username, password, and email address. Remember that any information you disclose while posting messages to the Insurance Planners Forums message boards is immediately accessible by the public - discretion should be used in posting personally identifiable information within such forums.

Back to top.

Section 2
The Insurance Planners sites use cookies as follows:

1. All the Insurance Planners sites may, at one time or another, use cookies or log and track IP addresses to get an accurate count of users visiting our site, what they looked for while at the site, how many pages they viewed and the like. This information is used in an aggregate form to help Insurance Planners improve the content of the Insurance Planners sites, to evaluate shopping trends and to predict demand for products. IP addresses of visitors to the Insurance Planners sites are logged and tracked for systems administration purposes (such as to help diagnose problems with our server, and to administer our Web site) and to track a user\'s session (to give Insurance Planners an idea of which parts of our site people are visiting). We do not link your IP addresses to anything personally identifiable.



2. Insurance Planners may use a cookie in conjunction with a registration form. The purpose of this is to provide added convenience to repeat visitors and to save them the trouble completing the same form on multiple visits.



3. Insurance Planners's Online Store uses cookies to keep track of your shopping cart.



4. The Insurance Planners Forums site uses a cookie in conjunction with the support services offered on that site to provide added convenience to repeat visitors. The Insurance Planners Forums cookie allows this site to display which messages are new since the time the registrant last visited the site. Registrants who have cookies disabled on their web browser may still browse forums, and may even be able to register and post. To best experience the Insurance Planners Forums, however, registrants should enable cookies.



5. From time to time, Insurance Planners may conduct onsite surveys of its customer base in order to gather preference information. Cookies are used in conjunction with these surveys in order to ensure that no participant receives a survey invitation more than once, and to ensure that users who do not wish to participate in the survey are not invited subsequently.



6. Insurance Planners may use cookies in conjunction with Insurance Planners banner or Internet based advertisements displayed on third-party sites. These cookies track the success of a particular advertisement and the number of different individuals "clicking" through to the Insurance Planners site. Such cookies are not linked to anything personally identifiable.



7. Certain third parties advertising on Insurance Planners's sites may use cookies in conjunction with their banner or Internet based advertisements. Insurance Planners does not control these cookies but, for the most part, these cookies track the success of a particular advertisement and the number of different individuals "clicking" through to the third party site. If you have any questions or concerns about such cookies, please contact the third party using the cookie, contact your browser's manufacturer for information about controlling cookies with your particular browser, or do not click on such third-party banner advertisements.



8. In the future, Insurance Planners may choose to use cookies for other purposes. In such an event, Insurance Planners will modify this policy to inform you how Insurance Planners is using the cookie.

Back to top.