Offices of the Insurance Commissioner
James A. Dodrill
Insurance Commissioner

Privacy Statement

Consumer Services is committed to protecting your privacy and developing technology that gives you the most powerful and safe online experience. This Statement of Privacy applies to the Consumer Services site and governs data collection and usage. By using the Consumer Services site, you consent to the data practices described in this statement.

Collection of your Personal Information

Consumer Services collects personally identifiable information, such as your email address, name, home or work address or telephone number. Consumer Services also collects anonymous demographic information, which is not unique to you, such as your ZIP code, age, gender, preferences, interests and favorites.

There is also information about your computer hardware and software that is automatically collected by Consumer Services. This information can include: your IP address, browser type, domain names, access times and referring website addresses. This information is used by Consumer Services for the operation of the service, to maintain quality of the service, and to provide general statistics regarding use of the Consumer Services site.

Please keep in mind that if you directly disclose personally identifiable information or personally sensitive data through Consumer Services public message boards, this information may be collected and used by others. Note: Consumer Services does not read any of your private online communications.

Consumer Services encourages you to review the privacy statements of Web sites you choose to link to from Consumer Services so that you can understand how those Web sites collect, use and share your information. Consumer Services is not responsible for the privacy statements or other content on Web sites outside of the Consumer Services and Consumer Services family of Web sites.

Use of your Personal Information

Consumer Services collects and uses your personal information to operate the Consumer Services Web site and deliver the services you have requested. Consumer Services also uses your personally identifiable information to inform you of other products or services available from Consumer Services and its affiliates. Consumer Services may also contact you via surveys to conduct research about your opinion of current services or of potential new services that may be offered.

Consumer Services does not sell, rent or lease its customer lists to third parties. Consumer Services may, from time to time, contact you on behalf of external business partners about a particular offering that may be of interest to you. In those cases, your unique personally identifiable information (e-mail, name, address, telephone number) is not transferred to the third party. In addition, Consumer Services may share data with trusted partners to help us perform statistical analysis, send you email or postal mail, provide customer support, or arrange for deliveries. All such third parties are prohibited from using your personal information except to provide these services to Consumer Services, and they are required to maintain the confidentiality of your information.

Consumer Services does not use or disclose sensitive personal information, such as race, religion, or political affiliations, without your explicit consent.

Consumer Services keeps track of the Web sites and pages our customers visit within Consumer Services, in order to determine what Consumer Services services are the most popular. This data is used to deliver customized content and advertising within Consumer Services to customers whose behavior indicates that they are interested in a particular subject area.

Consumer Services Web sites will disclose your personal information, without notice, only if required to do so by law or in the good faith belief that such action is necessary to: (a) conform to the edicts of the law or comply with legal process served on Consumer Services or the site; (b) protect and defend the rights or property of Consumer Services; and, (c) act under exigent circumstances to protect the personal safety of users of Consumer Services, or the public.

Use of Cookies

The Consumer Services Web site use "cookies" to help you personalize your online experience. A cookie is a text file that is placed on your hard disk by a Web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you.

One of the primary purposes of cookies is to provide a convenience feature to save you time. The purpose of a cookie is to tell the Web server that you have returned to a specific page. For example, if you personalize Consumer Services pages, or register with Consumer Services site or services, a cookie helps Consumer Services to recall your specific information on subsequent visits. This simplifies the process of recording your personal information, such as billing addresses, shipping addresses, and so on. When you return to the same Consumer Services Web site, the information you previously provided can be retrieved, so you can easily use the Consumer Services features that you customized.

You have the ability to accept or decline cookies. Most Web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of the Consumer Services services or Web sites you visit.

Security of your Personal Information

Consumer Services secures your personal information from unauthorized access, use or disclosure. Consumer Services secures the personally identifiable information you provide on computer servers in a controlled, secure environment, protected from unauthorized access, use or disclosure. When personal information (such as a credit card number) is transmitted to other Web sites, it is protected through the use of encryption, such as the Secure Socket Layer (SSL) protocol.

Changes to this Statement

Consumer Services will occasionally update this Statement of Privacy to reflect company and customer feedback. Consumer Services encourages you to periodically review this Statement to be informed of how Consumer Services is protecting your information.

Contact Information

Consumer Services welcomes your comments regarding this Statement of Privacy. If you believe that Consumer Services has not adhered to this Statement, please contact Consumer Services at We will use commercially reasonable efforts to promptly determine and remedy the problem.

Consumer Services