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Privacy
Policy
Website Privacy Policy for Smart Age
Insurance Services.
This notice describes our privacy policy
("Notice"). By visiting our Web Site ("Web
Site"), you are accepting the practices
described in this Notice.
ARTICLE I PRINCIPLES:
Section 1.01 -- Principles: We may gather
and use information as follows:
(1) Notice: We may gather and use
information as follows:
(a) Volunteered Information: We
will receive and store any
information you enter on the Web
Site or give us in any other way
that personally identifies you to
improve your experience at the Web
Site, to get a better general
understanding of the type of
individuals visiting the Web Site,
and to enable us to contact you when
needed. Typically you will provide
information on the Web Site for the
purchase of products or services or
when you submit comments or
questions for review by us.
(b) Automatic Information: To enable
us to provide content that users
need and desire, we collect
aggregated site-visitation
statistics using cookies. A Cookie
is simply a small data file we place
on your computer's hard drive when
you first visit the Web Site
("Cookie"). This file contains a
unique number that helps us identify
you when you return to the Web Site.
Cookies are employed by thousands of
web sites to enhance users' web
viewing experience. Cookies can
neither damage user files nor can
they read information from users,
hard drives. We combine all usage
information provided by such Cookies
and we do not monitor your use of
the Web Site. Allowing us to create
a Cookie on your hard drive will not
give us or any other site access to
the rest of your computer's hard
drive, and only we will be able to
read the Cookie that the Web Site
creates.
(c) Information Use: We use
information for personal
identification; to get a better
general understanding of the type of
individuals visiting the Web Site;
to respond to your requests for
purchases, comments, or questions;
to improve your experience at the
Web Site; to collect aggregated
site-visitation statistics; and to
alert you to product enhancements,
special offers, updated information,
and other new services from us. We
also use information to alert you of
subscription renewal discounts, to
automatically renew your
subscription and advise you of
upcoming service offerings and
events.
We may disclose information to third
parties, including selling or
disclosing customer lists to
commercial or charitable users
thereof. Disclosure for such
purposes is limited to your name,
company, position, address, phone
and fax numbers, and web site and
email addresses. If you do not wish
to have such information disclosed,
please let us know by
contacting us . To enable us to
process your request, please include
your name and address. Once properly
notified, we will remove your name
from the lists and disclosures as
soon as we practicably can in the
course of normal business practices.
When you order products or services
from us, we ask for your credit card
number and billing address. We use
this information only to bill you
for the products or services you
order at that time and for no other
purpose. Annual subscriptions are
payable on the purchase date of the
Subscription and renew automatically
each anniversary unless canceled in
writing thirty days in advance of
each anniversary date.
Any user questions or comments
submitted to us may become available
in the public sections of the Web
Site, including a section entitled
"Frequently Asked Questions",
immediately after such questions or
comments are submitted to us. If we
publicize any user questions, such
questions will not contain facts
that identify the user or the
specific parties involved. We also
reserve the right to use any user
comments submitted to us for
promotional purposes and by
submitting such comments to us you
agree that we may do so.
We may release any user information
if required to comply with law; to
enforce or to apply the Web Site
Terms and Conditions; or under the
good faith belief that disclosure is
otherwise necessary or advisable
including, without limitation, to
protect the rights, properties, or
safety of us or our users.
(2) Choice: We give you a choice as
to the type and amount of private
information we have, as follows:
(a) Volunteered Information: You
can always choose not to provide
certain information to us. If you
choose not to provide personal
information, you can still use many
parts of the Web Site. However, you
will not be able to purchase
products and services and you will
not be able to take advantage of
many of our features. If you have
previously provided certain
information to us and you desire to
remove such information from our
databases, or if you do not wish for
your information to be disclosed to
third parties, you may contact
us to remove such information.
(b) Automatic Information: Most web
browsers automatically accept
Cookies, but if you prefer, you can
edit your browser options to block
Cookies in the future. The Help
portion of the toolbar on most
browsers will explain how you can
prevent your browser from accepting
new Cookies, how to set the browser
to inform you when you receive a new
Cookie, or how to reject Cookies
altogether.
(3) Access: We provide you with the
ability to ensure that your personal
information is correct and current. You
may review and update your personal
information by
contacting us. For security
purposes, we require user verification
via users user name and password to
receive personal information.
(4) Security: We protect the security of
your personal information. We takes
steps to protect your data from loss,
misuse, alteration, destruction, or
unauthorized access. We use
sophisticated security technologies to
secure users' ordering information, user
name, and password. We encrypt users'
ordering information, user name, and
password (including users' credit card
account number) using Secure Socket
Layer ("SSL") technology. SSL is a
proven coding system that lets your
browser automatically encrypt, or
scramble, data before you send it to us.
To support this technology, users must
have an SSL-capable browser. SSL is one
of the safest encryption technologies
available. While we use such
sophisticated security technology to
secure users' ordering information, user
name, and password, we cannot guarantee
that any electronic commerce is totally
secure.
Section 2.01 -- User Safeguards: You are
responsible for maintaining the secrecy of
your user name, password, and any account
information. It is important for you to be
responsible and protect your user name,
password, and computer against unauthorized
users. It is important to sign off when you
have completed using a computer accessible
by others.
Section 3.01 -- Children: We do not sell
products for children. Users of the Web Site
must be at least eighteen years old. If a
child has provided us with personal
information, that child's parent or guardian
should contact
us to delete such information from our
records.
Section 4.01 -- Third Party Web Sites:
Please be aware that the Web Site may have
links to third party web sites that may
collect personally identifiable information
about you. When you click on one of these
third party links, you are entering another
web site for which we have no
responsibility. This Notice does not cover
the information practices or policies of
such third party web sites. We encourage you
to read the privacy statements of all such
web sites since their privacy policies may
be materially different from our Notice.
Section 5.01 -- Agreement and
Modification: By using and accessing the Web
Site you indicate that you have read and
understand this Notice and you consent to
the collection and use of information by us
in the manner explained in this Notice. This
Notice and the Web Site Terms and
Conditions, including without limitation,
provisions covering limitations on damages,
arbitration of disputes, and the application
of Texas law govern any dispute over
privacy. By using and accessing the Web Site
you agree to indemnify us for any and all
third party claims resulting from your
breach of this Notice or the Web Site Terms
and Conditions. If you have any questions or
concerns about your privacy at the Web Site,
please
contact us. If you do not accept this
Notice, do not access and use the Web Site.
We may revise this Notice at any time
without notice by updating this Notice. Any
modifications in the way we use personal
information will be provided in future
updates of this Notice so you are always
aware of what information we collect, how we
use it, and under what circumstances we
disclose such information. Modifications
will be effective immediately and will be
available on the Web Site. You should visit
this web page periodically to review the
Notice. User accepts any such modifications
to this Notice by continued use of the Web
Site after such modifications are made.
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