Privacy Policy

The policies below are applicable to Insurance Journal Online, which is owned and operated by Wells Media Group Inc.

Introduction

WELLS MEDIA GROUP INC. (“Company” or “We” or “Insurance Journal“) respect your privacy and are committed to protecting it through our compliance with this policy.

This policy describes the types of information we may collect from you or that you may provide when you visit the website www.insurancejournal.com (our “Website“) and our practices for collecting, using, maintaining, protecting and disclosing that information.

This policy applies to information we collect:

• On this Website.
• In e-mail, text and other electronic messages between you and this Website.
• Through mobile and desktop applications you download from this Website, which provide dedicated non-browser-based interaction between you and this Website.
• When you interact with our advertising and applications on third-party websites and services, if those applications or advertising include links to this policy.

It does not apply to information collected by: us offline or through any other means, including on any other website operated by the Company or any third party; or any third party, including through any application or content (including advertising) that may link to or be accessible from or on the Website.

Please read this policy carefully to understand our policies and practices regarding your information and how we will treat it. If you do not agree with our policies and practices, your choice is not to use our Website. By accessing or using this Website, you agree to this privacy policy. This policy may change from time to time (see Updates). Your continued use of this Website after we make changes is deemed to be acceptance of those changes, so please check the policy periodically for updates.

Collection of Information

Information We Collect through Automatic Data Collection Technologies. As you navigate through and interact with our Website, we may use automatic data collection technologies to collect certain information about your equipment, browsing actions and patterns, including:

Details of your visits to our Website, including traffic data, location data, logs and other communication data and the resources that you access and use on the Website.

Information about your computer and internet connection, including your IP address, operating system and browser type.

We also may use these technologies to collect information about your online activities over time and across third-party websites or other online services (behavioral tracking). Our website does not respond to do-not-track signals. We also use retargeting codes that potentially follow you. Click here for information on how you can opt out of behavioral tracking on this website and how we respond to web browser signals and other mechanisms that enable consumers to exercise choice about behavioral tracking.

The information we collect automatically is statistical data and does not include personal information, but we may maintain it or associate it with personal information we collect in other ways or receive from third parties. It helps us to improve our Website and to deliver a better and more personalized service, including by enabling us to:

Estimate our audience size and usage patterns.

• Store information about your preferences, allowing us to customize our Website according to your individual interests.
• Speed up your searches.
• Recognize you when you return to our Website.

The technologies we use for this automatic data collection may include:

Cookies (or browser cookies). We may use cookies and other tracking devices on our websites. Using cookies on our sites provides benefits to you, such as allowing you to maintain your account login information between visits. The use of cookies also allows us to measure site activity to provide a better user experience. Cookies and other tracking devices may be used to tell us the time and length of your visit, the pages you look at on our site, the site you visited just before coming to ours, and the name of your Internet service provider. We may use third parties to serve our advertisements on other websites. In serving our advertisements, these companies may use cookies and other tracking devices to collect certain non-personally-identifiable information about your visits to other websites (such as browser type, IP address, which page was visited, and time of day). This information may be used to evaluate our online advertising campaigns or to tailor promotions and other marketing messages to you. A cookie is a small file placed on the hard drive of your computer. You may refuse to accept browser cookies by activating the appropriate setting on your browser. However, if you select this setting you may be unable to access certain parts of our Website. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you direct your browser to our Website. Please refer to your browser Help instructions to learn more about cookies and how to manage their use.

Flash Cookies. Certain features of our Website may use local stored objects (or Flash cookies) to collect and store information about your preferences and navigation to, from and on our Website. Flash cookies are not managed by the same browser settings as are used for browser cookies. For information about managing your privacy and security settings for Flash cookies, see Choices about How We Use and Disclose Your Information.

Web Beacons. Pages of the Website and our e-mails may contain small electronic files known as web beacons (also referred to as clear gifs. pixel tags and single-pixel gifs) that permit the Company, for example, to count users who have visited those pages or opened an e-mail and for other related website statistics (for example, recording the popularity of certain website content and verifying system and server integrity).

InsuranceJournal.com will also collect personally identifying information in connection with, among others, the following: (i) survey, contest or sweepstakes registration and (ii) subscription. In addition, information is collected in certain portions of sites in which guests specifically and knowingly provide such information along with content submissions, community postings (i.e., forums), suggestions, or reader service responses. InsuranceJournal.com may use such information for editorial and feedback purposes (to the extent that is explained when guests provide the information). In the event InsuranceJournal.com plans to post any such information on a site, guests are provided prior notification of such posting.

The types of personally identifiable information that we collect may include your name, company name, home, work and email addresses, telephone and fax numbers, credit card information, your month of birth, and information about your profession, such as the types and quantities of insurance you sell if you are an insurance agent and your agent/broker premium volume.

Insurance Journal may also collect non-personally identifiable information about you, such as your use of our web site, communication preferences, Internet habits, aggregated data relative to your web site visits, and responses to promotional offers and surveys.

You may be offered the choice not to submit your personal information or to decide what communications you want to receive from us. However, doing so may cause certain transactions to become affected. For example, not providing a name will prevent the processing of subscription requests.

Third-party Use of Cookies and Other Tracking Technologies.

Some content or applications, including advertisements, on the Website are served by third-parties, including advertisers, ad networks and servers, content providers and application providers. These third parties may use cookies alone or in conjunction with web beacons or other tracking technologies to collect information about you when you use our website. The information they collect may be associated with your personal information or they may collect information, including personal information, about your online activities over time and across different websites and other online services. They may use this information to provide you with interest-based (behavioral) advertising or other targeted content.

We do not control these third parties’ tracking technologies or how they may be used. If you have any questions about an advertisement or other targeted content, you should contact the responsible provider directly. For information about how you can opt out of receiving targeted advertising from many providers, see Choices About How We Use and Disclose Your Information.

Use of Information

Insurance Journal may disclose your information that we collect or that you provide to us:

• when we have received your consent to do so;
• when we communicate with employers, companies or organizations, who have made subscription requests, agreed to make payments, arranged for discounts, or purchased services on your behalf or if you use our services under a corporate or other commercial account;
• if you seek to have your subscription charges invoiced to your employer or any other third party, we may disclose personally identifiable data about you to that employer or third party and to any companies that assist the third party in processing invoices;
• when we report to credit card issuers, credit reporting and fraud checking agencies and debt collection agencies;
• if you choose to do business with us through, or with the assistance of, your employer or any third party or other intermediary, we may disclose personally identifiable data about you to the employer or other intermediary to make, modify or cancel a subscription made through the web site, to respond to questions or comments made by the employer on your behalf, to facilitate any other task
that the employer or intermediary advises us that you intend for Insurance Journal to fulfill, or that Insurance Journal would, as a matter of industry practice, typically fulfill;
• in situations where sharing or disclosing your information is required in order to offer you services you desire;
• when companies or service providers that perform business activities on behalf of Insurance Journal require such information (e.g., credit card processing, customer support services, market research administration or database management services);
• when a preferred partner of Insurance Journal ceases to do business with Insurance Journal and access to your personally identifiable information is necessary to facilitate business operations or meet contractual obligations;
• in the event Insurance Journal is merged with or acquired by another company;
• to comply with legal or regulatory requirements or obligations in accordance with applicable law or court order, and otherwise as we believe is necessary or appropriate to satisfy any law, regulation or other governmental request, to operate our web site properly, or to protect or defend our rights or the rights or well-being of our employees, users or others or if you are involved (or
are suspected by governmental authorities or our security functions to be involved) in any illegal activity, even without a subpoena, warrant or court order; or
• in case of emergency such as to safeguard the life, health, or property of an individual.

We may use the information we have collected from you to enable us to display advertisements to our advertisers’ target audiences. Even though we do not disclose your personal information for these purposes without your consent, if you click on or otherwise interact with an advertisement, the advertiser may assume that you meet its target criteria.

If information is shared as mentioned above, we will limit the scope of information that is furnished to the amount necessary for the performance of the specific function. We may confirm personal information you provide us on applications and forms, with third parties, such as your bank, employer, government entities, credit agencies, and other businesses where you have an account or a credit card. Unless otherwise precluded by legal process, we require third parties to protect your personally identifiable information and abide by applicable privacy laws and regulations.

Use of Email

We will use your email address to send a subscription confirmation and, if necessary, might use the other information to contact you for help in processing the subscription. We will also use your email address to:

• notify you about special offers and promotions as described in this privacy statement;
• send you copies of your bills when you request them; and
• send you periodic satisfaction or market research surveys.

Consent

As part of our commitment to keep you informed, we may contact you via mail, email, telephone, or by other means to notify you of new Insurance Journal products and services, or upcoming Insurance Journal special offers, events, enhancements, or other relevant information that may be of interest to you. You may also receive mailings or other communications from carefully selected partners, such as our referral partners or our customer satisfaction surveyors. We may offer you the option to decline any or all of these communications by following the directions included in our emails or other communications, or by contacting Insurance Journal directly.
In some cases your permission will be implied from the nature of the service requested or transaction undertaken. For example, Insurance Journal may collect and use personally identifiable information that you volunteer, or behavioral data or information collected in the aggregate. In addition, your permission will be deemed given for communications from us that are necessary to fulfill transactions and services that you request.

In certain circumstances, we will seek your express permission when we collect information that is regarded under certain countries’ data privacy regulations to be sensitive in nature, such as racial or ethnic origin, marital status, or health conditions.

Choices About How We Use and Disclose Your Information

We strive to provide you with choices regarding the personal information you provide to us. We have created mechanisms to provide you with the following control over your information:

Tracking Technologies and Advertising. You can set your browser to refuse all or some browser cookies, or to alert you when cookies are being sent. To learn how you can manage your Flash cookie settings, visit the Flash player settings page on Adobe’s website. If you disable or refuse cookies, please note that some parts of this site may then be inaccessible or not function properly.
Disclosure of Your Information for Third-Party Advertising. If you do not want us to share your personal information with unaffiliated or non-agent third parties for promotional purposes, you can opt-out by checking the relevant box located on the form on which we collect your data.
Promotional Offers from the Company. If you do not wish to have your e-mail address/contact information used by the Company to promote our own or third parties’ products or services, you can opt-out by using the unsubscribe link provided on the email itself. If we have sent you a promotional e-mail, you may send us a return e-mail asking to be omitted from future e-mail distributions. This opt out does not apply to information provided to the Company as a result of a product purchase, warranty registration, product service experience or other transactions.
Targeted Advertising. If you do not want us to use information that we collect or that you provide to us to deliver advertisements according to our advertisers’ target-audience preferences, you can obtain information on how to opt-out by the methods recommended at http://www.networkadvertising.org/understanding-online-advertising/what-are-my-options.

We do not control third parties’ collection or use of your information to serve interest-based advertising. However, these third parties may provide you with ways to choose not to have your information collected or used in this way. You can opt out of receiving targeted ads from members of the Network Advertising Initiative (“NAI“) on the NAI’s website.

Access

To ensure that your personally identifiable information is accurate and up to date, we encourage you to contact us to update your information in the event your home, work or email address change, or you wish to add an additional method for us to communicate with you. Please note that in an effort to prevent the unauthorized disclosure of your personally identifiable information, you may be
asked to provide proof of identity (or other authentication materials) together with the completed access request form. Access to personally identifiable information from non-Insurance Journal subscribers cannot be provided by telephone.

Occasionally, information that you request to be removed will be retained in certain files for a period of time in order to properly resolve disputes or to troubleshoot problems. In addition, some types of information may be stored indefinitely on “back up” systems or within log files due to technical constraints, or financial or legal requirements. Therefore, you should not always expect
that all of your personally identifiable information would be completely removed from our databases in response to your request for deactivation.

Security

Insurance Journal recognizes the importance of information security, and is constantly reviewing and enhancing all technical, physical, and logical security rules and procedures. After information reaches Insurance Journal, it is stored on a secure server that resides behind firewalls designed to block unauthorized access from outside of Insurance Journal. All Insurance Journal owned websites and servers have security measures in place to help protect your personally identifiable information against loss, misuse, and alteration while under our control. Although “guaranteed security” does not exist either on or off the internet, we safeguard your information using both procedural and technical safeguards. We use Secure Sockets Layer (SSL), an encryption method used to help protect your data from interception and hacking while in transit. If you have reason to believe that your interaction with us is no longer secure, please immediately notify us of the problem by contacting us in accordance with the “Contact Us” section set forth below.

Links To Other Web Sites

In order to anticipate your needs, Insurance Journal provides links to other web sites for your convenience and information. Insurance Journal is not responsible or liable for any content presented by or contained within any independent web site, including, but not limited to, any advertising claims or marketing practices. Please note that while Insurance Journal will protect your information on Insurance Journal owned and operated web sites, we cannot control and will not be responsible for the privacy policies of third party web sites, including web sites owned or controlled by independent franchisees or third party owners of companies that may use the name of an Insurance Journal brand, or web sites not controlled or authorized by Insurance Journal. Third party web sites that are accessed through links on our web site have separate privacy and data collection practices, and security measures. We have no responsibility or liability for the practices, policies and security measures implemented by third parties on their web sites. We encourage you to contact them to ask questions about their privacy practices, policies and security measures before disclosing any personally identifiable information. We recommend that you review the privacy statements and policies of linked web sites to understand how those web sites collect, use and store information.

Children

Insurance Journal does not seek to obtain, nor does it wish to receive personally identifiable information directly from minors; however, we cannot always determine the age of persons who access and use our web site. If a minor (as defined by applicable law) provides us with his/her data without parental or guardian consent, we encourage the parent or guardian to contact us to have this
information removed and to unsubscribe the minor from any future Insurance Journal marketing communications.

Contact Us

If you have comments or questions regarding Insurance Journal’s data privacy practices or this Online Privacy Statement or you would like to update your information, modify your communication preferences, or if you do not want to receive marketing communications from Insurance Journal in the future, you can contact us at:

3570 Camino del Rio North
Suite 200
San Diego, CA 92108
Telephone: (619) 584-1100
US Toll Free: (800) 897-9965
Fax: (619) 584-1200
E-mail: privacy@wellsmedia.com

Your California Privacy Rights

You may request certain information from Insurance Journal concerning the customer information that we have shared with third parties for their direct marketing purposes. The information, which we will provide free of charge once per calendar year upon request, includes a list of the types of customer information that we have provided to third parties for their direct marketing purposes and the names and addresses of all third parties with which we have shared such information during the past calendar year. We will provide the information to you within 30 days of your request.

To request that we provide you with such information, please send a written request to Mark Wooster 3570 Camino del Rio N #200 San Diego, CA 92108. Within 30 days of receiving your request, we will provide you with the information at the address you designate in your request, which may be an email address or physical address.

Updates

Insurance Journal may amend or update this Online Privacy Statement from time to time in order to meet changes in the regulatory environment, business needs, or to satisfy the needs of our customers, affiliates, strategic marketing partners, and service providers. Updated versions will be posted to our web site and date stamped so that you are always aware when the Online Privacy Statement was last updated.

By using this site, you signify your assent to the Insurance Journal Privacy Policy. Wells Media Group Inc. reserves the right to make changes to this privacy statement at its sole discretion without notice to the User.

Revised January 2016