Our privacy policy.

Important information for your use of our website.

Website Visitors

Like most website operators, Insurance Underwriters & IUL Risk Solutions 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 Underwriters & IUL Risk Solutions’s purpose in collecting non-personally identifying information is to better understand how Insurance Underwriters & IUL Risk Solutions’s visitors use its website. From time to time, Insurance Underwriters & IUL Risk Solutions may release non-personally-identifying information in the aggregate, e.g., by publishing a report on trends in the usage of its website.

Insurance Underwriters & IUL Risk Solutions also collects potentially personally-identifying information like Internet Protocol (IP) addresses. Insurance Underwriters & IUL Risk Solutions does not use such information to identify its visitors, however, and does not disclose such information, other than under the same circumstances that it uses and discloses personally-identifying information, as described below.

Gathering of Personally-Identifying Information

Certain visitors to Insurance Underwriters & IUL Risk Solutions’s websites choose to interact with Insurance Underwriters & IUL Risk Solutions in ways that require Insurance Underwriters & IUL Risk Solutions to gather personally-identifying information. The amount and type of information that Insurance Underwriters & IUL Risk Solutions gathers depends on the nature of the interaction. For example, we ask visitors who sign up for an account at this website to provide a username and email address. Those who engage in transactions with Insurance Underwriters & IUL Risk Solutions are asked to provide additional information, including as necessary the personal and financial information required to process those transactions. In each case, Insurance Underwriters & IUL Risk Solutions collects such information only insofar as is necessary or appropriate to fulfill the purpose of the visitor’s interaction with Insurance Underwriters & IUL Risk Solutions Insurance Underwriters & IUL Risk Solutions 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.

Use of Personal Data

Insurance Underwriters & IUL Risk Solutions may collect aggregated statistics about the behavior of visitors to its websites. For instance, Insurance Underwriters & IUL Risk Solutions may monitor the most popular website account on this site. Insurance Underwriters & IUL Risk Solutions may display this information publicly or provide it to others. Insurance Underwriters & IUL Risk Solutions does not disclose personally-identifying information other than as described below.

Protection of Certain Personally-Identifying Information

Insurance Underwriters & IUL Risk Solutions 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 Underwriters & IUL Risk Solutions’s behalf or to provide services available at Insurance Underwriters & IUL Risk Solutions’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 Underwriters & IUL Risk Solutions’s websites, you consent to the transfer of such information to them. Insurance Underwriters & IUL Risk Solutions 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 Underwriters & IUL Risk Solutions discloses potentially personally-identifying and personally-identifying information only when required to do so by law, or when Insurance Underwriters & IUL Risk Solutions believes in good faith that disclosure is reasonably necessary to protect the property or rights of Insurance Underwriters & IUL Risk Solutions, third parties or the public at large. If you are a registered user of an Insurance Underwriters & IUL Risk Solutions website and have supplied your email address, Insurance Underwriters & IUL Risk Solutions 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 Underwriters & IUL Risk Solutions and our products. We expect to keep this type of email to a minimum. If you send us a request (for example via a support 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 Underwriters & IUL Risk Solutions takes all measures reasonably necessary to protect against the unauthorized access, use, alteration or destruction of potentially personally-identifying and personally-identifying information.

Cookies

A cookie is a string of information that a website stores on a visitor’s computer, and that the visitor’s browser provides to the website each time the visitor returns. Insurance Underwriters & IUL Risk Solutions uses cookies to help Insurance Underwriters & IUL Risk Solutions identify and track visitors, their usage of Insurance Underwriters & IUL Risk Solutions website, and their website access preferences. Insurance Underwriters & IUL Risk Solutions visitors who do not wish to have cookies placed on their computers should set their browsers to refuse cookies before using Insurance Underwriters & IUL Risk Solutions’s websites, with the drawback that certain features of Insurance Underwriters & IUL Risk Solutions’s websites may not function properly without the aid of cookies.

Privacy Policy Changes

Although most changes are likely to be minor, Insurance Underwriters & IUL Risk Solutions may change its Privacy Policy from time to time, and in Insurance Underwriters & IUL Risk Solutions’s sole discretion. Insurance Underwriters & IUL Risk Solutions encourages visitors to frequently check this page for any changes to its Privacy Policy.

This Privacy Policy is available under a Creative Commons Share-alike license.