Last Updated; November 24,
2003
As a leader in providing various types of insurance policies, Annuity 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 Annuity Planners gather about me?
You are able to browse Annuity 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.
How does Annuity Planners use this information?
Annuity Planners gathers your information to personalize
and continually improve your online quote, including the following:
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The information collected on Annuity 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. |
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Annuity 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. |
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Annuity 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. |
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Occasionally, Annuity 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.
Will Annuity Planners share my information with other companies?
Annuity 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 Annuity 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 Annuity 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:
- Comply with legal process;
- Respond to any claims; or
- Protect the rights, property, or personal safety of Annuity Planners, our customers, or the public.
Annuity 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.
How does Annuity Planners secure my personal information?
Annuity 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.
What are cookies
and how does Annuity 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 Annuity 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.
Does Annuity Planners collect information on children?
Annuity Planners encourages parents to take an active
interest in their children's use of the Internet. Annuity 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 Annuity 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.
How do I
unsubscribe from Annuity Planners email communications?
We hope you enjoy receiving messages from Annuity 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.
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.
How do I contact
a Annuity Planners if I have further questions?
Please contact Annuity Planners if you have any questions
about this privacy statement, the practices of Annuity Planners's web sites, or your experience with the sites.
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US customers may send an email to our
support
team. |
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US customers may call 1-866-582-0003 |
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Will I be notified
if Annuity Planners's privacy policy changes?
Annuity Planners continually improves the web sites
by adding new functionality and features. Annuity 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.
Annuity 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 Annuity 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.
Section 1
Annuity Planners gathers user information at times
of purchasing, customer support, software downloads and otherwise
as follows:
| A. |
Annuity Planners's
Online Store: Annuity Planners provides Annuity 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. |
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| B. |
Annuity Planners
Forums: During registration for the Annuity Planners
Forums support service, the registrant is asked to provide
information such as name, email address, the Annuity Planners
products owned by the registrant, and other information.
The registrant's name, email address, and the Annuity Planners products owned will be added to Annuity 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 Annuity Planners better define the likes, dislikes
and general demographic picture of its customers.
Remember that any information you disclose while posting
messages to the Annuity Planners Forums
message boards is immediately accessible by the public -
discretion should be used in posting personally identifiable
information within such forums. |
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Software Download:
Annuity Planners makes available various software applications
for download from the Annuity Planners sites. Before
software can be downloaded, you are asked to provide information
such as name, email address, the Annuity Planners products
owned by the registrant, and other information. The registrant's
name, email address, and the Annuity Planners products
owned will be added to Annuity 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 Annuity Planners better define the likes,
dislikes and general demographic picture of its customers.
Annuity 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 Annuity Planners products
owned by the registrant, and other information. This information
may be shared with both Annuity 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, Annuity Planners invites you to visit their respective
sites to learn more before submitting your information at
the time of download. |
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Contests and\or Sweepstakes:
Annuity Planners often offers contests and sweepstakes
on the Annuity 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, Annuity 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.
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| E. |
Surveys: Occasionally
Annuity Planners conducts on-line user
surveys or polls to better target the content of the Annuity Planners sites and the
Annuity 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. |
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| F. |
Annuity Planners Forums Support Service: Users of the Annuity Planners Forums must register separately
(free of charge) in order to post messages on the Annuity 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 Annuity Planners Forums
message boards is immediately accessible by the public -
discretion should be used in posting personally identifiable
information within such forums. |
Section 2
The Annuity Planners sites use cookies as follows:
- All the Annuity 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 Annuity Planners improve
the content of the Annuity Planners sites, to evaluate shopping
trends and to predict demand for products. IP addresses of visitors
to the Annuity 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 Annuity Planners an idea of which
parts of our site people are visiting). We do not link your
IP addresses to anything personally identifiable.
- Annuity 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.
- Annuity Planners's Online Store uses cookies to keep track
of your shopping cart.
- The Annuity Planners Forums site uses a cookie in conjunction
with the support services offered on that site to provide added
convenience to repeat visitors. The Annuity 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 Annuity Planners Forums, however, registrants should
enable cookies.
- From time to time, Annuity 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.
- Annuity Planners may use cookies in conjunction with Annuity 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 Annuity Planners site. Such cookies are not
linked to anything personally identifiable.
- Certain third parties advertising on Annuity Planners's
sites may use cookies in conjunction with their banner or Internet
based advertisements. Annuity 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.
- In the future, Annuity Planners may choose to use cookies
for other purposes. In such an event, Annuity Planners will
modify this policy to inform you how Annuity Planners is using
the cookie.
