IA&B Policies
IA&B Privacy Policy, Disclaimer and Fax Options:
Insurance Agents and Brokers ("IA&B") respects the privacy of its members and other visitors to its web site. As provided by law, we are generally prohibited from sharing nonpublic personal information about you with a third party unless we provide you with this notice of our privacy policies and practices describing the type of information that we collect about you and the categories of persons or entities to whom that information may be disclosed. Accordingly, we are providing you with this document, which notifies you of the privacy policies and practices of IA&B. IA&B has created this Privacy Policy in order to demonstrate our commitment to user privacy. The following applies to the information gathering and dissemination practices for information collected on or submitted to this web site.
How Information Is Collected
Information You Provide: IA&B only collects personally identifiable information from you if you choose to provide this information to us. In a few areas on IA&B's website, we ask you to provide information that will enable IA&B to: verify whether you are entitled to access and use certain information, materials and services available from IA&B (e.g., Members Only section); enhance your site visit; assist you with customer service or technical support issues; follow up with you after your visit; provide information about products and services; or to otherwise support your customer and/or member relationship with IA&B. While failure to provide this information may mean that you cannot access and use certain information, materials and services on IA&B's website, providing personally identifiable information on IA&B's website is completely optional.
Information That Is Automatically Collected: IA&B's website is not set up to automatically collect personally identifiable information from each visitor to the website. It does automatically collect information that does not identify users personally. Via Web server logs, for example, IA&B may monitor statistics such as the number of people that visit the website, which page(s) are visited, from which domain our visitors come (e.g., aol.com, yahoo.com, etc.), and which browsers people use to visit IA&B's website (e.g., Netscape Navigator, Microsoft Internet Explorer, etc.).
Cookies: A "cookie" is a small file that is placed on your hard drive by a Web page server. Cookies are uniquely assigned to you and can be read only by a Web server in the domain that issued the cookie to you.
Each time you initiate a session on IA&B's website the site sets the cookie in order to identify you and determine your access privileges. Cookies do not store any of the personal information that you have provided to the site. They are simply identifiers. Cookies on IA&B's website are removed from your hard drive when you end the current session, unless you specifically click the "Remember My Login" box when logging in with a username and password. Clicking on this box will store the cookie on your hard drive so that you will not have to log in each time you visit IA&B's website.
You have the ability to delete cookie files from your hard drive at any time. However, you should know that cookies may be necessary to provide you with access to much of the content and features of IA&B's website. We use cookie technology to enable registered users to move quickly and securely through access-controlled areas of the website and to take advantage of certain useful features on the website.
How Information Is Used
Information you provide may be used to verify whether you are entitled to access and use certain information, materials and services available from IA&B; to enhance your site visit; to assist you with customer service or technical support issues; to follow up with you after your visit; to provide information about products and services; or to otherwise support your customer and/or member relationship with IA&B.
IA&B strives to keep the personal information you provide to us when using the website confidential. Agents or contractors of IA&B who are given access to your personal information are required to keep the information confidential and not use it for any other purpose than to carry out the services they are performing for IA&B.
We may disclose information you provide to us to third parties in order to complete a transaction that you requested. We may also outsource some tasks, including the operation of certain web site functions that require access to information you supply online. We may disclose personal information when required by law or in the good faith belief that such action is necessary in order to comply with the law or legal process.
IA&B monitors website "traffic" statistics using information that does not identify users personally so we may improve the website. These statistics contain no personal information and cannot be used to gather such information.
Security
IA&B takes steps to protect against the loss, misuse, or unauthorized alteration of personally identifiable information. We utilize industry standard SSL encryption when accepting credit card information during our online checkout process. Access to some computer data and files at IA&B are secured by password coding with access to personally identifiable information strictly limited to those employees who need access in order to carry out their job responsibilities. The network is behind a firewall designed to prevent unauthorized access.
Means of Redress
If any IA&B user suspects IA&B has handled its personal information in a manner that does not comply with this Privacy Policy, please contact us by e-mail to iab@iabgroup.com or by calling 717-795-9100.
Other Web Sites
IA&B contains "links" to other, external Internet Web Sites who may have privacy policies and procedures that differ from those of IA&B.
Privacy Policy Changes
IA&B reserves the right to change this Privacy Policy at any time. Updated versions of the Privacy Policy will appear on IA&B's website and are effective immediately. You are responsible for regularly reviewing the Privacy Policy. Continued use of IA&B's website after any such changes constitutes your consent to such changes.
Insurance Agents & Brokers ("IA&B") makes reasonable efforts to present accurate and reliable information in this Website in the domain "www.iabgroup.com" ("Site"). But, IA&B is not responsible for any errors in or omissions from the information contained in or accessed through this Site, nor is IA&B responsible for the timeliness of the information. The information in this Site is not intended to provide specific advice about individual legal, business or other questions, and it is not a substitute for users� independent research and evaluation of any issue. If specific legal or other expert advice is required or desired, the services of an appropriate, competent professional should be sought. All of the information in this Site is provided "as is" without warranty of any kind. IA&B makes no representations of any kind and disclaims all express, implied, statutory or other warranties of any kind to the user and/or any other party, including, without limitation, any warranties of accuracy, timeliness, completeness, efficacy, merchantability, and fitness for any particular purpose. IA&B shall have no tort, contract or any other liability to users of this Site and/or to any other party. IIABA shall not be liable to users and/or any other party for any lost profits or lost opportunities, or any indirect, special, consequential, incidental or punitive damages whatsoever, even if IA&B has been advised of the possibility of such damages.
Hyperlinks Are Not Endorsements
IA&B is in the business of promoting the interests of its members as a whole and does not promote the services, products or publications of one IA&B member over any other member. Links to other Websites or references to products, services or publications, other than those of IA&B at this Site, do not imply IA&B�s endorsement or approval of such Websites, products, services or publications, nor are such links or references any indication that IA&B has received specific authorization to provide these links or references. IA&B does not endorse, approve, certify or control these external Websites, and is not responsible for the accuracy, timeliness, completeness, efficacy, merchantability, fitness for any particular purpose or correct sequencing of information located at such sites. Rather, the links on this Site to other Websites are provided solely as a convenience to users of this Site.
Notice of Copyright Ownership
The works of authorship including, but not limited to, all design, text, images, and sounds, contained in this Site (individually and collectively "Publications"), are owned by IA&B, except as otherwise expressly stated. The Publications may not be copied, reproduced, transmitted, displayed, performed, distributed, rented, sublicensed, altered, stored for subsequent use or otherwise used in whole or in part (individually and collectively "Reproduced") in any manner without IAB's prior written consent, except to the extent that such use constitutes "fair use" under the Copyright Act of 1976 (17 U.S.C. § 107), as amended, and except for one temporary copy in a single computer�s memory and one unaltered permanent copy to be used by the viewer for personal and non-commercial use only, with an attached copy of this Disclaimer Notice.
Some of the works of authorship on the Site were provided under license from other entities with all rights reserved. You may provide a hypertext link to this Site on another Website, provided that: (a) the link must be a text-only link clearly marked "IA&B Home Page"; (b) the link must "point" to the URL "http://www.iabgroup.com" and not to other pages within the Site; (c) the appearance, position and other aspects of the link may not be such as to damage or dilute the goodwill associated with IA&B's name and trademarks; (d) the appearance, position and other aspects of the link may not create the false appearance that an entity, product, service or work of authorship is associated with, sponsored by or endorsed by IA&B; (e) the link, when activated by a user, must display this Site full-screen and not within a "frame" on the linked Website; and (f) IIABA reserves the right to revoke its consent to the link at any time, for any reason, in its sole discretion.
If you are interested in obtaining a license to Reproduce one or more of IA&B's publications, please contact IA&B's Communications Department at 717-795-9100 or via e-mail at: iab@iabgroup.com.
Severability
Some U.S. states and foreign countries provide rights in addition to those above or do not allow the exclusion or limitation of implied warranties or liability for incidental or consequential damages. Therefore, the above limitations may not apply to you, or there may be state provisions which supersede the above. Any clause of this Disclaimer Notice declared invalid by the appropriate authority shall be deemed severable and shall not affect the validity or enforceability of the remainder of this Disclaimer Notice. The terms of this Disclaimer Notice are governed by the laws of the Commonwealth of Pennsylvania, without regard to its conflicts of laws rules, and may only be amended in a writing signed by IA&B.
