PRIVACY POLICY

At AHIA, we take your privacy and your privacy concerns very seriously. That is why we have adopted the following privacy policy explaining our online information collection practices on the Web site and the choices you can make about the way information is collected and used.

What Information We Collect
AHIA's Web site (the "Site") collects information in two ways: through the use of cookie technology and through information you may provide to us through our on-line quote process.

Cookies
AHIA employs cookie technology and similar devices on the Site to facilitate site navigation and personalization. AHIA also uses cookies and similar devices to collect non-personal information about users of the Site, such as: (1) a user's IP address (i.e., smu.edu), the type of web browser (i.e., Netscape Navigator or Microsoft Explorer) and operating system (i.e., Windows or Linux) being used, (2) the pages of the Site a user visits, and (3) other Web sites visited after a user leaves the Site. AHIA collects this information in order to monitor usage of the Site and to improve aspects of the Site. Cookies do NOT contain any personally identifiable information such as your name or your e-mail address. We may share some or all of this user information with partners, advertisers and others but only in aggregate form, not in a manner that would allow personal identification of any specific user. Cookies may also be useful tools for you. Cookies can make it possible for you to avoid logging in every time you return to this Site and can personalize the Site to you. Most browsers accept cookies automatically, but can be configured not to do so or to notify the user when a cookie is being sent.

What Types of Personally Identifiable Information Do We Collect?
Personally identifiable information is any information that would reveal specific information about you as an individual. Examples of personally identifiable information include your name, street address, e-mail address, gender, health questions, and date of birth. AHIA only collects this type of information when you provide it to us through our on-line quote process. Areas of our site may ask you to answer general health questions. Your answers help us to better understand your needs, and will also help us improve the accuracy of such quotes.

When AHIA Would Provide Other Parties with Personally Identifiable Information
AHIA is committed to keeping your personally identifiable information secure and will take reasonable steps to protect your personal information from misuse or alteration.

If you have opted-in to receive information regarding AHIA products, its partners or other promotions, AHIA may use your personally identifiable information in conjunction with the activities of those products or promotions, including, but not limited to, sending newsletters and other information regarding offers that may be of interest to you. Each time AHIA contacts you, you will be given the opportunity to remove your e-mail address from our distribution list.

AHIA may be required to provide your personally identifiable information to third parties if requested by law enforcement agencies or if AHIA is required to do so by law through a subpoena, court order, or through a government entity. AHIA may disclose personal information to third parties if AHIA has reason to believe that disclosing such information is necessary to identify, contact or bring legal action against someone who may be violating AHIA's Terms of Use for this site.

Additionally, AHIA may provide your information to third parties who provide services to AHIA. These parties are required to keep such information confidential and may only use the information in conjunction with the services they provide for AHIA.

Links to Other Sites
This Site may contain links to other websites that are owned and operated by third parties. AHIA is not responsible for the privacy or confidentiality practices or the content of such websites. We encourage you to carefully read the privacy policies of each site you visit.

Our Commitment to Data Security
To prevent unauthorized access to user information, maintain data accuracy and ensure the proper use of information, we have put in place appropriate physical, electronic and managerial procedures to safeguard and secure the information we collect online.

Agreeing to Terms
If you do not agree to this privacy policy or the Terms of Use posted on this Site, please do not use this Site or any services offered by this Site. AHIA reserves the right to make periodic changes in this policy. Please check back from time to time to ensure you are aware of any updates or changes in this policy. Your use of the Site indicates acceptance of this privacy policy.

How to Contact Us
Should you have other questions or concerns about this privacy policy, please send us an e-mail at web@ahiabenefits.com