Privacy Statement
Welcome to the National Association of Insurance Commissioners ("不良研究所官方") Web Site. Because your privacy on-line is very important to us, we want you to understand the 不良研究所官方鈥檚 practices with regard to collecting and using your information. This privacy statement explains the privacy practices for the following 不良研究所官方 Websites: , , , , and . The 不良研究所官方's Privacy Statement is not intended to supersede or modify the terms of any license agreement between 不良研究所官方 and a third party and where inconsistent, the terms of the license agreement control.
Collection, Use and Disclosure of Information
You do not need to reveal any personally identifiable information to browse the 不良研究所官方 Web Sites.
Customer Information
If you order an 不良研究所官方 product or register for an education or training course or a meeting online, the 不良研究所官方 collects your name, address, telephone number, e-mail address, company name, and company size. The 不良研究所官方 collects this information for purposes of fulfilling orders for products, registering for courses and 不良研究所官方 meetings, and billing. The 不良研究所官方 may also use this information to create general mailing lists to send customers marketing and other promotional material. The 不良研究所官方 also collects credit card information if you are making an online purchase. The 不良研究所官方 uses this information for billing purposes only.
If you subscribe or utilize an 不良研究所官方 online service including the I-SITE System (accessible only by State Insurance Departments); the Automated Valuation System; the ATF and the System for Electronic Rate and Form Filing, the 不良研究所官方 collects your name, address, telephone number, facsimile number, and e-mail address. The 不良研究所官方 collects this information for the following purposes: problem resolution, security/authentication, aggregate usage reports. The 不良研究所官方 may also use this information to create general mailing lists to send user notices as well as marketing and other relevant information to customers.
The 不良研究所官方 collects and stores the Internet protocol (the IP address) of the computer you are using, and the date and time you accessed the 不良研究所官方 site. The 不良研究所官方 also tracks the pages or documents accessed within its site. This information is collected for systems administration and for analyzing and improving the value of the material available on the 不良研究所官方 Web Sites.
The main 不良研究所官方 Web Site is portal based and relies upon "cookies" to tailor the information delivered to the user. Cookies are small web-generated files that are stored on your computer hard drive in order to collect information about your activities on a particular web site. The 不良研究所官方 utilizes cookies to monitor security, navigation and usage of the 不良研究所官方 Web Sites.
The 不良研究所官方 uses information collected over the Internet to process your requests, communicate back to you and improve our web sites. The 不良研究所官方 may share the information mentioned above with its non-profit affiliate the National Insurance Producer Registry ("NIPR") for these purposes. The 不良研究所官方 does not provide customer information collected over the Internet to third parties other than in aggregated form.
Google Analytics
The 不良研究所官方 uses a tool called 鈥淕oogle Analytics鈥 to collect information about use of this site. Google Analytics collects information such as how often users visit this site, what pages they visit when they do so, and what other sites they used prior to coming to this site. The 不良研究所官方 uses the information from Google Analytics only to improve this site. Google Analytics collects only the IP address assigned to you on the date you visit this site, rather than your name or other identifying information. The 不良研究所官方 does not combine the information collected through the use of Google Analytics with personally identifiable information. Although Google Analytics plants a permanent cookie on your web browser to identify you as a unique user the next time you visit this site, the cookie cannot be used by anyone but Google. Google鈥檚 ability to use and share information collected by Google Analytics about your visits to this site is restricted by the and the You can prevent Google Analytics from recognizing you on return visits to this site by on your browser.
Information Submitted in an Online Application
Certain 不良研究所官方 online applications collect information for purposes of transmitting the information to state insurance departments (e.g., SERFF) and/or processing the information for the user (e.g. AVS). These online applications require the user to enter into a license agreement with the 不良研究所官方. The license agreement governs the collection, use, and disclosure of information while in these applications and where the terms of this Privacy Statement are inconsistent, the license agreement supersedes.
Insurance companies electronically file annual and quarterly statements as well as other filing information with the 不良研究所官方. The 不良研究所官方 compiles this information into a proprietary database for purposes of assisting its members, state insurance regulators, in carrying out their respective regulatory functions. The 不良研究所官方 also sells non-confidential information from this proprietary database to customers subject to a license agreement.
Security of Information
The 不良研究所官方 views the security of confidential and private information as a top priority. The 不良研究所官方 provides secure transmission of sensitive and personal information from your computers to the 不良研究所官方鈥檚 Web Servers. For instance, when credit card information is transmitted, the 不良研究所官方 uses the industry-standard SSL (security socket layer) encryption. SSL encryption is a state-of-the-art technology by which information is encrypted while being transmitted over the Internet. Unfortunately, no data transmission over the Internet can be guaranteed to be absolutely secure and the 不良研究所官方 does not ensure or warrant the security of the transmission of information. Once the information is received by the 不良研究所官方 via the website, it is stored behind a firewall. The 不良研究所官方 also maintains access control procedures. All 不良研究所官方 and NIPR employees are aware of the privacy and security policies. Your information is only accessible to those employees who have a legitimate need for the information in order to perform their jobs.
Correction and Opt-Out Procedures
If your personally identifiable customer information changes, we will endeavor to correct, update or remove the personal data provided to us. Please visit the 不良研究所官方 Contacts Web page to find the contact information or send your request for change to the Help Desk at help@naic.org. If you no longer wish to receive 不良研究所官方 newsletters, promotional materials or other electronic communications, you may opt-out by replying to the 不良研究所官方 e-mail and inserting the term "unsubscribe" in the subject line or by sending an e-mail to the Help Desk at help@naic.org
Links to Other Web Sites
The 不良研究所官方 provides links to third-party websites as a convenience to its users. The inclusion of any link does not imply an endorsement or recommendation of the third-party organization, its website, or its products and services. The 不良研究所官方 has not reviewed and is not responsible for the privacy practices or content of such websites.
Notification of Change
The 不良研究所官方 reserves the right to change its privacy policy. The most current privacy policy will be posted on the 不良研究所官方 Web Sites so you are always aware of what information the 不良研究所官方 collects, how it is used, and under what circumstances, if any, it is disclosed. If at any point the 不良研究所官方 decides to use personally identifiable information in a manner different from that stated at the time it was collected, the 不良研究所官方 will notify users by way of an e-mail. The 不良研究所官方 will provide a method for a user to opt-out of using their information in this different manner.