Insurance Risk (“http://www.insurancerisk.org“) operates http://www.insurancerisk.org and may operate other websites. It is Insurance Risk’s policy to respect your privacy regarding any information we may collect while operating our websites.
Like most website operators, Insurance Risk collects non-personally-identifying information of the sort that web browsers and servers typically make available, such as the browser type, language preference, referring site, and the date and time of each visitor request. Insurance Risk’s purpose in collecting non-personally identifying information is to better understand how Insurance Risk’s visitors use its website. From time to time, Insurance Risk may release non-personally-identifying information in the aggregate, e.g., by publishing a report on trends in the usage of its website.
Insurance Risk also collects potentially personally-identifying information like Internet Protocol (IP) addresses for logged in users and for users leaving comments on http://www.insurancerisk.org blogs/sites. Insurance Risk only discloses logged in user and commenter IP addresses under the same circumstances that it uses and discloses personally-identifying information as described below, except that commenter IP addresses and email addresses are visible and disclosed to the administrators of the blog/site where the comment was left.
Gathering of Personally-Identifying Information
Certain visitors to Insurance Risk’s websites choose to interact with Insurance Risk in ways that require Insurance Risk to gather personally-identifying information. The amount and type of information that Insurance Risk gathers will depend on the nature of the interaction. For example, we ask visitors who sign up at http://www.insurancerisk.org to provide a username and email address. Those who engage in transactions with Insurance Risk are asked to provide additional information, including as necessary the personal and financial information required to process those transactions. In each case, Insurance Risk collects such information only insofar as is necessary or appropriate to fulfill the purpose of the visitor’s interaction with Insurance Risk. Insurance Risk does not disclose personally-identifying information other than as described below. And visitors can always refuse to supply personally-identifying information, with the caveat that it may prevent them from engaging in certain website-related activities.
Insurance Risk may collect statistics about the behavior of visitors to its websites. Insurance Risk may display this information publicly or provide it to others. However, Insurance Risk does not disclose personally-identifying information other than as described below.
Protection of Certain Personally-Identifying Information
Insurance Risk discloses potentially personally-identifying and personally-identifying information only to those of its employees, contractors and affiliated organizations that (i) need to know that information in order to process it on Insurance Risk’s behalf or to provide services available at Insurance Risk’s websites, and (ii) that have agreed not to disclose it to others. Some of those employees, contractors and affiliated organizations may be located outside of your home country; by using Insurance Risk’s websites, you consent to the transfer of such information to them. Insurance Risk will not rent or sell potentially personally-identifying and personally-identifying information to anyone. Other than to its employees, contractors and affiliated organizations, as described above, Insurance Risk discloses potentially personally-identifying and personally-identifying information only in response to a subpoena, court order or other governmental request, or when Insurance Risk believes in good faith that disclosure is reasonably necessary to protect the property or rights of Insurance Risk, third parties or the public at large. If you are a registered user of the Insurance Risk website and have supplied your email address, Insurance Risk may occasionally send you an email to tell you about new features, solicit your feedback, or just keep you up to date with what’s going on with Insurance Risk and our products. If you send us a request (for example via email or via one of our feedback mechanisms), we reserve the right to publish it in order to help us clarify or respond to your request or to help us support other users. Insurance Risk takes all measures reasonably necessary to protect against the unauthorized access, use, alteration or destruction of potentially personally-identifying and personally-identifying information.
If Insurance Risk, or substantially all of its assets, were acquired, or in the unlikely event that Insurance Risk goes out of business or enters bankruptcy, user information would be one of the assets that are transferred or acquired by a third party. You acknowledge that such transfers may occur and that any acquirer of Insurance Risk may continue to use your personal information as set forth in this policy.