PRIVACY POLICY

The Company’s personal information practices on this Site are governed by The Company’s privacy statement. Please review this privacy statement and print a copy for your records.

LEGAL JURISDICTIONS ONLY

The insurance services and products described on this web site are only for persons in those states and jurisdictions where such products and services may legally be sold. Nothing on this web site shall be considered a solicitation to buy or an offer to sell any products or services to any person in any jurisdiction where such offer, solicitation, purchase or sale would be unlawful.

USE LIMITATION

This web site is for the use of consumers and small businesses who are researching and shopping for insurance products. You are not permitted to use this web site or its contents for any commercial or non-personal purpose (direct or indirect). The Company reserves the right to prevent any party who engages in such non-permitted use(s) from accessing this web site.

DISCLAIMER OF WARRANTIES

You acknowledges that The Company makes no representations, warranties, covenants or other claims of any kind with respect to any information acquired through use of this Site and no responsibility or liability is accepted by The Company as to the accuracy or completeness at any time of any information relating to this Site, whether or not expressly provided in these Terms and Conditions. The Company EXPRESSLY DISCLAIMS ANY AND ALL WARRANTIES, EXPRESS OR IMPLIED, OF ANY KIND OR NATURE WHATSOEVER, INCLUDING, WITHOUT LIMITATION, AS TO MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE OR USE. IN NO EVENT SHALL THE COMPANY BE LIABLE FOR ANY LIABILITIES, COSTS, LOSSES, EXPENSES OR DAMAGES, WHETHER PUNITIVE, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR OTHERWISE, ARISING DIRECTLY OR INDIRECTLY FROM THESE TERMS AND CONDITIONS OR THE ACQUISITION OF ANY PROPERTY, WHETHER BASED UPON WARRANTY, TERMS AND CONDITIONS, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE. You hereby indemnify and hold harmless The Company for any and all liabilities, costs, losses, expenses or damages suffered by The Company directly or indirectly as a result of, or otherwise in connection with, any real property, this Site, or these Terms and Conditions.

LINKS

This Site may contain links to or references to third party websites. These links are provided for your convenience only. No endorsement of any third party products, services or information is expressed or implied by any information, material or content of any third party contained in, referred to, included on, or linked from or to this Site. Any information, data, opinions, recommendation, products or services provided by such third parties through links to other websites or otherwise made available through their websites are solely those of such third parties and not of The Company or its affiliates. Your use of such third party websites is subject to the Terms and Conditions of use and the privacy policies of such websites.

APPLICABLE LAW

By visiting this site, you agree that the laws of the state of Illinois, without regard to principles of conflict of laws, will exclusively govern these Legal and Licensing terms and any dispute of any sort that might arise between you and the Company.

This website provides a brief description of the provisions of group policy PAL-STMP-2008 or policy PAL-STMIP-2008. Exclusions and limitations may apply, and benefi ts may vary by state. For a complete description of coverage, see the policy/certifi cate, or contact SMIG. Choice STM is not available in all states.

If you have any questions about our privacy statement, the practices of this site, or your dealings with this Web site, please contact us at the contact info at the bottom of this page.

PRIVACY POLICY

This privacy policy sets out how this site uses and protects any information that you give this site when you use this website.

This site is committed to ensuring that your privacy is protected. Should we ask you to provide certain information by which you can be identified when using this website, then you can be assured that it will only be used in accordance with this privacy statement.

This site may change this policy from time to time by updating this page. You should check this page from time to time to ensure that you are happy with any changes. This policy is effective from January 21, 2013.

We may collect the following information:

– name and job title
– contact information including email address
– information based on your internet connection on browser

What we do with the information we gather:

We require this information to understand your needs and provide you with a better service, and in particular for the following reasons:

Internal record keeping.

We may use the information to improve our products and services.

If you opt-in, we will send you emails regarding This site news and events.

We may periodically send emails about other organizations, events, products or other information which we think you may find interesting using the email address which you have provided.

Security:

We are committed to ensuring that your information is secure. In order to prevent unauthorized access or disclosure, we have put in place suitable physical, electronic and managerial procedures to safeguard and secure the information we collect online.

How we use cookies:

A cookie is a small file which asks permission to be placed on your computer’s hard drive. Once you agree, the file is added and the cookie helps analyze web traffic or lets you know when you visit a particular site. Cookies allow web applications to respond to you as an individual. The web application can tailor its operations to your needs, likes and dislikes by gathering and remembering information about your preferences.

We use traffic log cookies to identify which pages are being used. This helps us analyze data about web page traffic and improve our website in order to tailor it to customer needs. We only use this information for statistical analysis purposes and then the data is removed from the system.

Overall, cookies help us provide you with a better website, by enabling us to monitor which pages you find useful and which you do not. A cookie in no way gives us access to your computer or any information about you, other than the data you choose to share with us.

You can choose to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. This may prevent you from taking full advantage of the website.

Links to other websites:

Our website may contain links to other websites of interest. However, once you have used these links to leave our site, you should note that we do not have any control over that other website. Therefore, we cannot be responsible for the protection and privacy of any information which you provide whilst visiting such sites and such sites are not governed by this privacy statement. You should exercise caution and look at the privacy statement applicable to the website in question.

Controlling your personal information:

You may choose to restrict the collection or use of your personal information in the following ways:

If you have previously agreed to us using your personal information for direct marketing purposes, you may change your mind at any time by writing to or emailing us at the contact info at the bottom of this page.

We will not sell, distribute or lease your personal information to third parties unless we have your permission or are required by law to do so. We may use your personal information to send you promotional information about third parties which we think you may find interesting if you tell us that you wish this to happen.

You may request details of personal information which we hold about you under the Data Protection Act 1998. A small fee will be payable. If you would like a copy of the information held on you please write to the contact info at the bottom of this page.

DoubleClick:We use Google Analytics remarketing codes to log when users view specific pages or take specific actions on a website. This allows us to provide targeted advertising in the future. If you do not wish to receive this type of advertising from us in the future you can opt out using the DoubleClick opt-out page or the Network Advertising Initiative opt-out page.

If you believe that any information we are holding on you is incorrect or incomplete, please write to or email us as soon as possible, at the above address. We will promptly correct any information found to be incorrect.