Privacy Policy
Welcome to the Personal Health Insurance Web site. When you visit this site and have dealings with me, your privacy is very important. This site is committed to the protection of personal data and the appropriate use of all data managed here.

When you visit and navigate this site and when you communicate with me, this site will not collect personal information about you, unless you provide that information voluntarily. If you provide personal information to me voluntarily via this Web site, I will not sell, license or transmit that information outside of Personal Health Insurance and those affiliated companies involved in administering or providing services, unless required to do so by legal, judicial or governmental proceedings, or unless I do so in accordance with an express authorization you have given me. Also, in some cases, I may disclose information to contractors or agents for the purpose of enabling them to provide the services offered by Personal Health Insurance. This site will disclose information in compliance with applicable laws and regulations and will require the recipient to protect the information and use it only for the purpose of providing functionality for the Web site and for the purpose of providing the services offered via the Web site.

In the event that personal information is included in the "contact" portion of this Web site you will have the opportunity to view, modify or delete this information. All such requests should use the Web site "contact" facility.

You should also be aware that when you visit this Web site, I may collect certain information that does not identify you personally, but provides "usage data," such as the number of visitors or what pages are visited most often. This data helps to analyze and improve the usefulness of the information provided at this Web site. In order to prevent the introduction of viruses and hackers into this Web site, information such as IP address may be collected into a log file to be used solely for the purpose of identifying potential hackers of this Web site.

Like most commercial Web site owners, I may also use what is known as "cookie" technology. A "cookie" is an element of data that a web site can send to your browser when you link to that web site. It is not a computer program and has no ability to read data residing on your computer or instruct it to perform any step or function. By assigning a unique data element to each visitor, the Web site is able to recognize repeat users, track usage patterns and better serve you when you return to that site. The cookie does not extract other personal information about you, such as your name or address. Most browsers provide a simple procedure that will enable you to control whether you want to receive cookies by notifying you when a web site is about to deposit a cookie file. Access to this web site will not be affected in the event that cookies are turned off.

Protecting your privacy and any user information is a top priority at Personal Health Insurance. I have taken careful measures to prevent the loss, misuse and alteration of web site information.

Personal Health Insurance may change this Statement from time to time without notice. This Statement is not intended to and does not create any contractual or other legal rights in or on behalf of any party.

Effective Date: April 3, 2004

2004, Personal Health Insurance. All Rights Reserved.