Privacy Notice

INFORMATION COLLECTION AND — USE

Entire contents Copyright © 2004 Turner Risk Consultants Inc. All rights reserved.

” Turner Risk Consultants Inc. ” is the sole owner of the information collected on this site. We will not sell, share, or rent this information to others in ways different from what is disclosed in this statement. ” Turner Risk Consultants Inc. ” collects information from our users at several different points on our web site. Transmission of any user’s personal medical history or other sensitive information covered by Federal HIPPA privacy laws is not allowed. Any electronic communication (e-mail or fax) regarding your private medical information will be discarded permanently without viewing or comment. Sharing or transmitting personal medical information covered by HIPPA to this web site is not encouraged and in the event a user inadvertently transmits personal medical information to this website, it will not be shared with any outside party and will be permanently deleted from our data base system and/or discarded.

Cookies 
A cookie is a piece of data stored on the user’s hard drive containing information about the user. Usage of a cookie is in no way linked to any personally identifiable information while on our site. Once the user closes their browser, the cookie simply terminates. For instance, by setting a cookie on our site, the user would not have to log in a password more than once, thereby saving time while on our site. If a user rejects the cookie, they may still use our site. The only drawback to this is that the user will be limited in some areas of our site. Cookies can also enable us to track and target the interests of our users to enhance the experience on our site.

Log Files
We use IP addresses to analyze trends, administer the site, track user’s movement, and gather broad demographic information for aggregate use. IP addresses are not linked to personally identifiable information.

Sharing 
We will share aggregated demographic information with our partners and advertisers. This is not linked to any personal information that can identify any individual person. This type of information sharing does not apply to any personal or sensitive information covered by HIPPA privacy regulations. We use an outside shipping company to ship orders, and a credit card processing company to bill users for goods and services. These companies do not retain, share, store or use personally identifiable information for any secondary purposes. We partner with another party to provide specific services. When the user signs up for these services, we will share names, or other contact information that is necessary for the third party to provide these services. These parties are not allowed to use personally identifiable information except for the purpose of providing these services.

Links 
This web site contains links to other sites. Please be aware that we ” Turner Risk Consultants Inc. ” are not responsible for the privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of each and every web site that collects personally identifiable information. This privacy statement applies solely to information collected by this Web site.

Sharing 
This web site takes every precaution to protect our users’ information. When users submit sensitive information via the web site, your information is protected both online and off-line. Transmission of any user’s personal medical history or other sensitive information covered by Federal HIPPA privacy laws is not allowed. Any electronic communication (e-mail or fax) regarding your private medical information will be discarded permanently without viewing or comment. Sharing or transmitting personal medical information covered by HIPPA to this web site is not encouraged and in the event a user inadvertently transmits personal medical information to this website, it will not be shared with any outside party and will be permanently deleted from our data base system and/or discarded.

Furthermore, ALL Turner Risk Consultants Inc. employees are kept up-to-date on our security and privacy practices. Every quarter, as well as any time new policies are added, our employees are notified and/or reminded about the importance we place on privacy, and what they can do to ensure our customers’ information is protected.

Notification of Changes 
If we decide to change our privacy policy, we will post those changes on our Homepage so our users are always aware of what information we collect, how we use it, and under circumstances, if any, we disclose it. If at any point we decide to use personally identifiable information in a manner different from that stated at the time it was collected, we will notify users by way of an email. Users will have a choice as to whether or not we use their information in this different manner. We will use information in accordance with the privacy policy under which the information was collected.