Cal-Regent Insurance Services is committed to protecting your privacy and developing
technology that gives you the most powerful and safe online experience. This Statement
of Privacy applies to the Cal-Regent Insurance Services Web site and governs data
collection and usage. By using the Cal-Regent Insurance Services website, you consent
to the data practices described in this statement.
Collection of your Personal Information
Cal-Regent Insurance Services collects personally identifiable information, such
as your e-mail address, name, home or work address or telephone number. Cal-Regent
Insurance Services also collects anonymous demographic information, which is not
unique to you, such as your ZIP code, age, gender, preferences, interests and favorites.
There is also information about your computer hardware and software that is automatically
collected by Cal-Regent Insurance Services. This information can include: your IP
address, browser type, domain names, access times and referring Web site addresses.
This information is used by Cal-Regent Insurance Services for the operation of the
service, to maintain quality of the service, and to provide general statistics regarding
use of the Cal-Regent Insurance Services Web site.
Please keep in mind that if you directly disclose personally identifiable information
or personally sensitive data through Cal-Regent Insurance Services public message
boards, this information may be collected and used by others. Note: Cal-Regent Insurance
Services does not read any of your private online communications.
Cal-Regent Insurance Services encourages you to review the privacy statements of
Web sites you choose to link to from Cal-Regent Insurance Services so that you can
understand how those Web sites collect, use and share your information. Cal-Regent
Insurance Services is not responsible for the privacy statements or other content
on Web sites outside of the Cal-Regent Insurance Services and Cal-Regent Insurance
Services family of Web sites.
Use of your Personal Information
Cal-Regent Insurance Services collects and uses your personal information to operate
the Cal-Regent Insurance Services Web site and deliver the services you have requested.
Cal-Regent Insurance Services also uses your personally identifiable information
to inform you of other products or services available from Cal-Regent Insurance
Services and its affiliates. Cal-Regent Insurance Services may also contact you
via surveys to conduct research about your opinion of current services or of potential
new services that may be offered.
Cal-Regent Insurance Services does not sell, rent or lease its customer lists to
third parties. Cal-Regent Insurance Services may, from time to time, contact you
on behalf of external business partners about a particular offering that may be
of interest to you. In those cases, your unique personally identifiable information
(e-mail, name, address, telephone number) is not transferred to the third party.
In addition, Cal-Regent Insurance Services may share data with trusted partners
to help us perform statistical analysis, send you email or postal mail, provide
customer support, or arrange for deliveries. All such third parties are prohibited
from using your personal information except to provide these services to Cal-Regent
Insurance Services, and they are required to maintain the confidentiality of your
information.
Cal-Regent Insurance Services does not use or disclose sensitive personal information,
such as race, religion, or political affiliations, without your explicit consent.
Cal-Regent Insurance Services keeps track of the Web sites and pages our customers
visit within Cal-Regent Insurance Services, in order to determine what services
of Cal-Regent Insurance Services are the most popular. These data is used to deliver
customized content and advertising within Cal-Regent Insurance Services to customers
whose behavior indicates that they are interested in a particular subject area.
Cal-Regent Insurance Services Web sites will disclose your personal information,
without notice, only if required to do so by law or in the good faith belief that
such action is necessary to: (a) conform to the edicts of the law or comply with
legal process served on Cal-Regent Insurance Services or the site; (b) protect and
defend the rights or property of Cal-Regent Insurance Services; and, (c) act under
exigent circumstances to protect the personal safety of users of Cal-Regent Insurance
Services, or the public.
Use of Cookies
The Cal-Regent Insurance Services Web site use "cookies" to help you personalize
your online experience. A cookie is a text file that is placed on your hard disk
by a Web page server. Cookies cannot be used to run programs or deliver viruses
to your computer. Cookies are uniquely assigned to you, and can only be read by
a web server in the domain that issued the cookie to you.
One of the primary purposes of cookies is to provide a convenience feature to save
you time. The purpose of a cookie is to tell the Web server that you have returned
to a specific page. For example, if you personalize Cal-Regent Insurance Services
pages, or register with Cal-Regent Insurance Services site or services, a cookie
helps Cal-Regent Insurance Services to recall your specific information on subsequent
visits. This simplifies the process of recording your personal information, such
as billing addresses, shipping addresses, and so on. When you return to the same
Cal-Regent Insurance Services Web site, the information you previously provided
can be retrieved, so you can easily use the Cal-Regent Insurance Services features
that you customized.
You have the ability to accept or decline cookies. Most Web browsers automatically
accept cookies, but you can usually modify your browser setting to decline cookies
if you prefer. If you choose to decline cookies, you may not be able to fully experience
the interactive features of the Cal-Regent Insurance Services or Web sites you visit.
Security of your Personal Information
Cal-Regent Insurance Services secures your personal information from unauthorized
access, use or disclosure. Cal-Regent Insurance Services secures the personally
identifiable information you provide on computer servers in a controlled, secure
environment, protected from unauthorized access, use or disclosure. When personal
information (such as a credit card number) is transmitted to other Web sites, it
is protected through the use of encryption, such as the Secure Socket Layer (SSL)
protocol.
Changes to this Statement
Cal-Regent Insurance Services will occasionally update this Statement of Privacy
to reflect company and customer feedback. Cal-Regent Insurance Services encourages
you to periodically review this Statement to be informed of how Cal-Regent Insurance
Services is protecting your information.
Contact Information
Cal-Regent Insurance Services welcomes your comments regarding this Statement of
Privacy. If you believe that Cal-Regent Insurance Services has not adhered to this
Statement, please contact Cal-Regent Insurance Services at
Admin@cal-regent.com. We will use commercially reasonable efforts to
promptly determine and remedy the problem.