Collection of Information

You may be asked to voluntarily provide your name, address, e-mail address, postal address and/or other personally identifiable information ("Personal Information") to have access to some features of the website.  By using the website and providing us with your Personal Information, you consent to our use of such information as described in this Policy.  You may always refuse to provide your Personal Information, and this may lead to our inability to provide you with certain services.  We or our business partners may also collect information that is anonymous, such as your IP number (a number used to identify your computer on the Internet) or the type of browser you are using ("Anonymous Information"), through the use of cookies or by other means.  We hope that, by using Anonymous Information, we can update the website to make it more useful to you and other users.  We reserve the right to maintain, update, disclose or otherwise use Anonymous Information, without limitation.

Use of Information

We use your Personal Information for the following purposes:  to administer your account; to administer and improve the website and related services; to notify you of products, services, promotional events or special offers that maybe of interest to you; to provide Internet security; and to meet legal requirements.  We may work with other businesses that may perform certain functions on our behalf, such as sending e-mail messages, managing data, hosting the website, or providing customer service.  These business partners have access to your Personal Information only to the extent necessary to perform these specific functions and may not use it for any other purpose.  Additionally, sometimes we feel so strongly about the quality of products or services of a strategic partner and the possible benefit to our clients and prospective clients that we may share your Personal Information with that partner. If you do not wish for your Personal Information to be included in our communications with these strategic partners, you can make a written request by email sent to privacy@altreo.net  or write to us at the address below.  Other than for the specific purposes set forth in this Policy, we will not disclose your Personal Information unless we obtain your prior consent or are legally required to do so.  If alTreo is involved in the sale of a substantial portion of its business assets, Anonymous or Personal Information may be among the transferred assets.

E-mail Communications

When you send an e-mail to us, you are communicating with us electronically.  You thereby consent to receive communications from us electronically; however, please note that e-mail communications are not necessarily secure and confidential.  For instance, it is possible that information transmitted to us via e-mail may be read or obtained by other parties.  In an attempt to protect your privacy, our e-mail responses do not include personal account information.  We recommend that you do not include such information in e-mail communications directed to us.  We may communicate with you by postal mail, e-mail or by posting notices on the website.  All agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.

Privacy of Children

We encourage parents and guardians to be aware of and participate in their children's online activities.  We strictly adhere to the Children's Online Privacy Protection Act and will not knowingly collect, use or disclose Personal Information from any child under the age of 13 in any manner that violates this law.

Retention

We retain Personal Information for as long as the information is relevant to our business purposes or until you request that we remove the data by contacting us at privacy@altreo.net.  We reserve the right to keep all information sent to us by email, telephone, fax, data or otherwise that is associated with applications for insurance as long as may be necessary for forwarding such information to insurance carriers, for processing payments, to comply with confidentiality agreements, if any, and as otherwise required by law.

Your Opportunity to Opt-out of E-mail Advertising

In the event you do not wish to receive promotional e-mail from us, follow the opt-out instructions contained within the body of any e-mail message you receive.

Cookies

When you visit the website, we or a third party service provider may store or recognize some information on your computer in the form of a "cookie" or similar file that can help us in many ways.  For example, cookies allow us to tailor the website to better match your interests and preferences.  With most Internet browsers or other software, you can erase cookies from your computer hard drive, block all cookies or receive a warning before a cookie is stored.  Please refer to your browser instructions to learn more about these functions.  If you reject cookies, functionality of the website may be limited, and you may not be able to take advantage of many of the website's features.

Links

The website may contain links to other sites on the Internet that are owned and operated by third parties ("Third Party Sites").  We are not responsible for the collection or use of your Personal or Anonymous Information at any Third Party Sites.  Therefore, alTreo disclaims any liability for any third party's use of your Personal or Anonymous Information obtained through using a Third Party Site.

Security

We have policies and procedures in place to protect the privacy and confidentiality of your Personal Information that we collect and maintain.  All Personal Information is stored on secured servers, behind a firewall at a data center with access to data strictly controlled.  Any unauthorized use of the website may result in criminal and/or civil prosecution.

Contacting Us

If you have questions with regard to privacy, send us an email, or write to us at:

alTreo llc, Attn: Privacy Policy, 43 Rose Terrace, Chatham, New Jersey 07928 USA