applies only to the privacy of users of the Insurance Headlines.com
Our business changes
of use. We may e-mail periodic reminders of material changes to our
our web site frequently to see recent changes. Notice of any changes to
Policy containing such changes on this web site.
What information does
the Web site gather?
When you visit this site
you may provide information on two different levels about your visit:
statistics collected as you browse the site
information you knowingly give us
Please be assured that
we do not collect personal information about you from the website unless
you provide it to us. This means that you can visit our Web sites without
telling us who you are or revealing any personally identifiable
information about yourself (such as your e-mail address).
As you browse the site, our web servers collect information about your
visit, not about you personally. Via web server logs, we monitor
statistics such as:
How many people
visit our site
Which pages people visit on our site
From which domains our visitors come (e.g., aol.com)
Which browsers people use to visit our site
None of this
information is associated with you as an individual (see information about
cookies below). We use these statistics to improve our Web site, to
monitor its performance, and to make the Web site easier for you and other
visitors to use.
What about pages that ask for personal information?
When visitors supply information about themselves for a specific purpose,
we use the information for that purpose (such as to provide the service or
information the visitor has requested). For example, you may be asked to
give us individual information to purchase a product or service, receive
information, manage online account registration, or apply for a job. The
information may range from your zip code, to your phone number, account
number, a credit card number, age, gender, mother's maiden name, social
security number, e-mail address, organization URL, resume, or mailing
When visitors use our Web site to order services, we may use this
personally identifiable information as we would use the same information
obtained in a traditional non-electronic manner. For example, to publish
your name, address, and phone number in our directories (unless you have
requested a non-published number), or to evaluate your service needs and
contact you regarding additional services you may find useful. If you do
not want us to contact you, you can remove your name from our telephone or
mail solicitation lists by clicking on unsubscribe or you may feel free to
Contact Us. Please note that clicking on unsubscribe or delete account
removes your name from Insurance Headlines.com.
Headlines.com does not knowingly collect information from children through
this web site. This web site, and any web site to which users may link
from this web site, may contain content provided by advertisers or other
third parties that may not be suitable for children. Insurance
Headlines.com asks parents or legal guardians to assist Insurance
Headlines.com by supervising the activities of children at this web site.
What happens to information when I fill out registration forms?
The registration forms request accurate contact information (like name and
e-mail address) and preferences that help us better serve you. Your name
and e-mail address are used to send you information about our company,
product updates, special offers, and newsletters. You may change your
email, user ID or password online; or you can choose to remove your name
from our user list by going to Contact Us and emailing us a request to
remove your name.
To improve the services we can offer you, we may decide to expand the
site's capabilities for obtaining information about users in the future.
We will update this privacy statement as policies change to ensure that
you are aware of developments in this area.
Do you sell or give my information to companies outside of the
"Insurance Headlines.com & Affiliated Insurance Yellow Pages Directory
We do not sell or disclose personally identifiable information obtained
online about our visitors, to anyone outside of the "Insurance
Headlines.com & Affiliate Insurance Yellow Pages Directory Websites"
unless you specifically authorize it, to complete a transaction that you
initiated, it is required by law, or disclosure is necessary to protect
the safety of customers, employees or property. If you provide personally
identifiable information to us in the context of an event Insurance
Headlines.com sponsors with another company, such as a contest, or if you
register on a co-sponsored site or feature, you may also be providing the
personally identifiable information to the co-sponsor. This will be made
clear to you before you submit the information and you can decide whether
or not to participate.
Insurance Headlines.com may share non-personally identifiable information
with non-"Insurance Headlines.com Family" companies in order to assess the
results of a promotion, event or third party relationship, to provide
information to current or prospective customers, to complete a search or
to otherwise enhance your online experience. For example, we may provide
statistical information that is not identified with you:
The number of people
who visit the website, which pages were visited and for how long, the
referral URL, the user's IP address, and the User Agent.
we host co-branded versions of the Insurance Headlines.com site (or
portions of the Insurance Headlines.com site). Our co-branded sites
may also contain clear GIFs (electronic images that allow this site to
collect anonymous information about your visit to the site).
Non-personally identifiable information may also be disclosed to
non-Insurance Headlines.com-Family companies if it is required by law,
or disclosure is necessary to protect the safety of customers,
employees or property.
This does not
contain any information that would personally identify you. In
addition, Insurance Headlines.com may support features and content that
appear on other companies' web sites that you may visit. These companies
may collect information about you, but Insurance Headlines.com does not
have control over the collection practices of these companies. If you are
visiting a web site that indicates that it is "powered by Insurance
site for its policies regarding information collection and usage.
Does this site send e-mail to site visitors?
At times, online surveys are conducted in which you can choose to
participate. In addition, we may use e-mail to communicate with our
customers, to respond to visitors' e-mail, to confirm orders placed
online, and to send information that a visitor has requested.
Occasionally, we may use opt-in e-mail lists from third parties to promote
our latest specials. If you receive an unwanted e-mail from us, you can
click Contact Us and simply ask us to remove you from our list.
Do you accommodate links to other sites?
This website contains links to other web sites. These other web sites may,
among other things, allow you to bid on and/or purchase products that you
initially viewed on this web site. These other web sites may (or may not)
be co-branded with Insurance Headlines.com branding. You can tell if
you have linked from one web site to another web site by looking at the
URL in the browser window. If the second level domain of the URL for the
page containing the link is different than the second level domain of the
URL for the page to which you have linked, you have linked to a different
web site. For example, if you link from a page located at the URL
www.thirdleveldomain.InsuranceHeadlines.com to a page located at the
URL www.InsuranceHeadlines.com.secondleveldomain.com, you have
linked to another site. Please note that any of Insurance Headlines.com's
trademarks or service marks (e.g., IPB Insurance Headlines.com, etc) may
be included in the URL of a co-branded or private label web site that is
owned and operated by a third party, in a location other than that
occupied by the second level domain (e.g., as the third level domain). The
companies that own or operate these web sites may track and/or collect
information about you, but Insurance Headlines.com does not have control
over the privacy practices (including, without limitation, those relating
to tracking user activity, collection of user data, use of user data, and
security) of these companies (although, when a user activates a link from
this web site one of these other web sites, Insurance Headlines.com may
pass the user's referral URL and IP address to the server hosting such
other site). We are not responsible for the privacy policies or practices
(including, without limitation, those related to tracking, collection, use
and security) employed by (or in connection with) other sites, and we are
not responsible for the content on, or operation of, other sites
(including, without limitation, any transactions conducted through such
other sites). We are committed to safeguarding customer privacy on our
website. If you are visiting a web site via a link on this web site,
policies regarding information tracking, collection, usage and security.
Insurance Headlines.com may, however, host (or contract with third parties
to host) web site advertising linked to the Insurance Headlines.com sites
(the "Insurance Headlines.com-Hosted Web Site Ad(s)"). If you provide
personally identifiable information while visiting any Insurance
Headlines.com-Hosted Web Site Ad, you will also be providing the
personally-identifiable information to the advertiser. In addition,
Insurance Headlines.com may share non-personally identifiable information
collected from any Insurance Headlines.com-Hosted Web Site Ad with
non-"Insurance Headlines.com & Affiliate Insurance Yellow Pages Directory
Websites" companies in order to complete a transaction that you initiated
or to assess and report the results of the ad. Insurance Headlines.com is
not responsible for the privacy practices employed by the advertiser.
What is Insurance Headlines.com's position regarding online advertising
and third party ad servers?
Insurance Headlines.com accepts advertisements from third parties that
serve advertising into the Insurance Headlines.com and/or Affiliate
Insurance Yellow Pages Directory Websites. Insurance Headlines.com may use
"clear gifs" provided by such third parties in the pages containing the
ad(s) that Insurance Headlines.com sends to your browser. These "clear
gifs" provide usage pattern information about the ads to third parties.
The data does not contain personally identifiable information.
As part of the online advertising process, we may use information supplied
from third party ad serving companies as well as other third party
companies in several ways such as to:
gain a better
understanding of the type of individuals viewing or visiting different
prioritize site selection when developing online media plan
geographically target advertising
deliver product and pricing advertising/information applicable to the
the effectiveness of our online advertising
Non Personally Identifiable Information Collected Automatically
A cookie is a small, encrypted data string our server writes to your hard
drive that contains your unique User ID for our Web site. Cookies help us
to identify returning visitor's to our websites, which allows us to give
you a more personalized, useful experience on our website.
Cookies help Insurance Headlines.com to enhance the user's online
experience and are used to:
appropriate geographic message
manage frequency of
ad exposure; avoid over delivery of the same message
tailor an advertisement to better match your interests and preferences
ensure that you see the correct products and pricing applicable to the
state in which you live
understand advertising effectiveness
However, customers are
free to delete website cookies. Most internet browsers enable you to erase
cookies from your computer hard drive, block all cookies, or receive a
warning before a cookie is stored. To disable cookies, see "Setting Cookie
Preferences" at the end of this policy.
However, you need to understand that some websites/ad serving companies
have the ability to reestablish your history even after cookie deletion,
if you reenter the same site on another occasion, or some other site
tracked by the ad serving company/network, and specifically provide
Deletion of cookies alone does not prevent ad serving companies from
reestablishing history on a visitor. The visitor must either continue to
decline cookies each time it reenters the site to keep the tracking
severed, if desired, or opt-out. When you opt-out, your unique user ID
cookie is erased and you are reassigned an anonymous, non-id cookie. This
new cookie tells websites that you have opted out and they will then know
not to attempt to assign other cookies to you in the future. Opt-out
cookies do not contain a unique user ID number therefore websites are not
able to identify your computer uniquely.
Customers who choose to continually delete cookies and not opt out can
have their browser advise them each time a web site attempts to send a
cookie to your system. At that time, you can choose to either Accept or
Cancel a cookie.
Customers who choose to "opt out" after deleting cookies will receive an
anonymous/non personally identifiable cookie.
Who do I contact if I am concerned about online advertising and
All concerns or questions about your privacy related to online advertising
should be addressed through our Customer Support Center which can be
reached by clicking on
Does Insurance Headlines.com use the information provided online to
profile its customers?
The combination of offline and online information provided by the customer
has the ability to enhance the customer experience, and make the
consumer's interaction with Insurance Headlines.com more meaningful and
relevant. Insurance Headlines.com requires notification of any consumer
profiling or purchasing behavior being captured by Insurance Headlines.com
online and combined with offline information be clearly stated to the
consumer at the time of online data collection. The consumer will have the
ability to choose not to have that information aggregated and be part of
subsequent marketing campaigns by so indicating at the point of the
application, or by choosing to Opt-Out of future marketing campaigns from
Insurance Headlines.com by clicking on
We may disclose personal information when required by law or in the good
faith belief that such action is necessary in order to conform to the
edicts of the law or to comply with a legal process served relating to our
Use of Information on
Use of this site is at
your own risk. This site may contain advice, opinions, and statements of
various information providers and content providers. Insurance
Headlines.com, Inc. does not represent or endorse the accuracy or
reliability of any advice, opinion, statement or other information
provided by any information provider or content provider, or any user of
this site or other person or entity. Reliance upon any such opinion,
advice, statement, or other information shall also be at your own risk.
Neither Insurance Headlines.com nor its information providers or content
providers shall be liable to any User or anyone else for any inaccuracy,
error, omission, interruption, use of any content herein, regardless of
cause, for any damages resulting there from.
How do I know I am on a secured site?
Every secure page on this web site has been secured with a digital
certificate. You know you are on a secure page of this web site when you
see a lock in the status bar at the bottom of your browser. In Internet
Explorer, you can view your status bar by clicking on View, Status Bar.
When you see the lock, double click it and a popup window opens and
displays who issued the digital certificate securing that page and the
dates it is valid.
How does Insurance Headlines.com prevent unauthorized access to my
Your password is set at a minimum of six characters, which provides added
protection for your personal information. On secured pages, this site uses
SSL encryption up to 128-bits.
What security measures are in place to restrict access to personal
There are a variety of security measures in place that limits internal
access to data stored by the Insurance Headlines.com site. Access is
restricted to authorized personnel only and requires an employee to have a
secure ID and password to access the information. In addition, logs are
reviewed regularly to spot any inconsistencies. The site is continually
updated with the latest known security patches that are periodically
published by the system vendor. Any information that you give is password
What information is stored by the site or in cookies?
Registration information, bill and online shopping, data and contact
e-mail addresses are stored in Insurance Headlines.com databases which are
physically secure environments that are not accessible via the Internet.
This information is only available to you through the use of a secure ID
and password, and the information is transferred from our databases for
A cookie is a small, encrypted data string our server writes to your hard
drive that contains your unique User ID for our web site. Cookies help us
to identify returning visitor's to our web sites, which allow us to give
for purposes such as delivering web content specific to your interests,
and to keep track of your order as you order services. A cookie cannot be
used to access or otherwise compromise the data on your hard drive. You
can choose to change your browser settings to disable cookies if you do
not want us to establish and maintain a unique Insurance Headlines.com.com
User ID. Please be aware that cookies may be required to complete certain
functions on this web site, such as My Directory. To disable cookies, see
Here is How to Set Your Cookie Preferences:
3.x: In the Options menu, select Network Preferences. In Network
Preferences, click on the Protocols tab and there you may choose to be
warned before accepting cookies.
Netscape Navigator 4.x: In the Edit menu, select Preferences. In the
Preferences dialog box, in the left hand side menu, click on
'Advanced' and 4 options concerning cookies appear on the lower right.
Choose Help for further details. You can find more information about
cookies and Netscape on the Netscape web site.
Microsoft Internet Explorer 3.x: In the view menu, select Options.
Click on Advanced tab. You may choose to be warned before accepting
Microsoft Internet Explorer 4.x: In the view menu, select Options.
Click on Advanced tab and scroll down to a yellow triangle icon with
an exclamation labeled "Cookies" where you have 3 options.
Contact the manufacturer of the browser for information.