Privacy Statement 7/28/04

Privacy Statement 7/28/04



Benefits Manager, Inc. is a licensee of the TRUSTe Privacy Program. TRUSTe is an independent, non-profit organization whose mission is to build users'' trust and confidence in the Internet by promoting the use of fair information practices. This privacy statement covers the site www.benefitsmanager.net. Because this web site wants to demonstrate its commitment to your privacy, it has agreed to disclose its information practices and have its privacy practices reviewed for compliance by TRUSTe.

If you have questions or concerns regarding this statement, you should first contact Mike Oliphant by EMAIL, 1-888-310-9623, 5492 Walzem Rd. PMB 112 San Antonio, Texas 78218. If you do not receive acknowledgment of your inquiry or your inquiry has not been satisfactorily addressed, you should then contact TRUSTe http://www.truste.org/consumers/watchdog_complaint.php . TRUSTe will then serve as a liaison with the Web site to resolve your concerns.

Commitment to confidentiality:

Confidentiality is a top priority at BenefitsManager.net. We are committed to maintaining the highest level of confidentiality with all of the information we receive from our policy owners, including the information received from this Web site.

This Privacy Statement will assure you that the information you share with BenefitsManager.net is kept confidential and fully secure. BenefitsManager.net may change this Privacy Statement at any time by posting revisions to our Web site. You will be notified of any modifications in the use of Personally Identifiable Information via email, mail or phone.

Links to other sites are available in order to provide you with additional useful information and services. Links that take you off our site are clearly labeled. We are not responsible for the privacy policies or actions of those that control other sites. We encourage you to look for and review the privacy policies of any site you visit.

Personal information:

At BenefitsManager.net, we are very aware of the privacy concerns of our customers and others who visit the site. In fact, we share your concerns and will not solicit personal information from you as you tour our site, though you may provide that information voluntarily. If you do elect to provide personal information to us, in no case will we sell, license or transmit that information outside of BenefitsManager.net for any reason, unless you authorize us to do so by means of a written letter (e.g. for Testimonials), or as otherwise required by law.

There are instances in which BenefitsManager.net might internally use the personal information you voluntarily submit. These instances include identifying and registering you for the autoresponder email that is sent to you immediately after you request insurance quotes via email and postal mail. We use your information to identify which policy package would be in your best interest. We mail this package to the postal address you provide us via US postal services regular first class. The autoresponder email can be discontinued by you at any time. The email contains applications that are downloadable (PDF) and helpful tips to securing health insurance coverage.
There may be instances that you seek assistance with health insurance claim problems. You may email us a description of your claim problem along with your policy number. We use your policy number to verify you have coverage with the insurance company via phone or email and assist in resolving the claim problem you have described. the insurer will confirm that we are your appointed agent to represent your interests in helping resolve claims. You always call in the problem to us at our toll free number 1-888-310-9623.

Personally Identifiable Information is described as data that is unique to an individual, such as a name, e-mail and physical address, telephone number and age or date of birth (DOB). At times, we may request personal information from you through our site in order to deliver requested materials to you, respond to your questions, or deliver a product or service. Contact forms are used only to deliver requested materials and respond to your questions.

Information we collect in these areas include:

Members or visitors needing insurance quotes and assistance

First & Last Name

email address

Physical mailing address for US postal service

Zip Code

Age

Individual ID No. if we need to assist you in claim assistance

Group No if part of a group we manage and we need that number to assist you in claim assistance

Request No. of dependents in order to provide you with accurate quotes

By providing an e-mail address, you are indicating that publications can be sent to your e-mail address. You are not required at any time to submit your e-mail address for the purpose of receiving recurring informational/promotional e-mails from BenefitsManager.net. You may opt out of receiving publications via e-mail by contacting the Customer Service toll-free number that appears on our web site or through the autoresponder email programming E.g. following instructions in the email found at the very bottom. You just need to reply to the email stating you no longer want information sent to you via email or postal mail.

Internal Security Procedures

Information that you share with us is kept strictly confidential and fully secure. Your encrypted (encoded) information is protected using "Secure Socket Layers (SSL)" as it passes between your browser and the BenefitsManager.net servers. Only authorized persons are permitted to access your personal information. All authorized persons must abide by a security and confidentiality agreement.

As is true of most Web sites, we gather certain information automatically and store it in log files. This information includes internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and clickstream data. We use this information, which does not identify individual users, to analyze trends, to administer the site, to track users’ movements around the site and to gather demographic information about our user base as a whole. We do not link this automatically-collected data to personally identifiable information. IP addresses are tied to personally identifiable information to determine pages clicked on for marketing quality control purposes. Your IP address is not logged or stored with your personal information.

We use a third-party tracking service called Fast Counter Pro that uses cookies [log files] to track non-personally identifiable information about visitors to our site in the aggregate [pages visited, usage, keyword search you found us by and volume statistics] to improve the relevancy of our site and marketing.

A cookie is a small text file that is stored on a user’s computer for record-keeping purposes. We use cookies on this site to store images on your PC so that when you visit us again our site loads faster. We do not link the information we store in cookies to any personally identifiable information you submit while on our site. We use session ID cookies. We do not use persistent cookies. [We use session cookies to make it easier for you to navigate our site.] A session ID cookie expires when you close you browser.

We use session ID cookies to store images that will load much faster the next time you visit our site. These cookies are designed to enhance the experience on our site. If you reject cookies, you may still use our site, but your ability to use some areas of our site, such as contests or surveys, will be limited. Some of our business partners (e.g., advertisers) use cookies on our site. We have no access to or control over these cookies.

This privacy statement covers the use of cookies by BenefitsManager.net only and does not cover the use of cookies by any advertisers.

What you should know:

The information contained on this BenefitsManager.net web site is provided for general informational purposes, as a convenience to the customers and subsidiaries and as a public service. The material is not a substitute for obtaining professional advice from a qualified person, firm or corporation. Consult the appropriate professional advisor for more complete and up-to-the minute information. BenefitsManager.net is not engaged in rendering any legal, medical or professional services by placing this general informational material on this Web site.

In no circumstances will BenefitsManager.net be liable to any party for any direct, indirect, special or other consequential damages arising out of any use of this web site, or any other hyper-linked web site. This includes, without limitation, any lost profits, business interruption, loss of programs or data on your equipment, or otherwise, even if BenefitsManager.net is expressly advised of the possibility or likelihood of such damages.

Information may be changed or updated without notice. Therefore, information contained on our sites may be out of date at any given time. BenefitsManager.net may also make improvements and/or changes to the products and/or programs described on our sites at any time without notice.

E-mail:

Should you send us your questions, comments and job inquiry via e-mail to any mail box provided on any of our affiliated Web sites, we will share your correspondence with our Customer Service representatives and those employees or agents most capable of addressing your questions and concerns. We will retain your communication until we have done our very best to provide you with a complete and satisfactory response. Ultimately, we will either discard your communication or, in some cases, archive it. Your e-mail address will not be retained for secondary purposes by these agents.

All information and correspondence you share with us will be handled in the strictest confidence. If you wish, you may contact us instead via telephone at the Customer Service toll-free number that appears on your identification card.

For more information:

BenefitsManager.net web site is maintained by Benefits Manager Inc., 5492 Walzem Rd. – PMB 112, San Antonio, Tx 78218

Changes in this Privacy Statement

If we decide to change our privacy policy, we will post those changes to this privacy statement, the homepage, and other places we deem appropriate so that you are aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it. The first place to look would be at > http//:www.benefitsmanager.net/news.htm.

We reserve the right to modify this privacy statement at any time, so please review it frequently. If we make material changes to this policy, we will notify you by email, or by means of a notice on our home page.