Acknowledgement and Acceptance of Terms
Limitation on Scope of Content
The Word & Brown Website contains information regarding Word & Brown and its services. The services described in this site are available only in those states and territories of the U.S. specifically referred to within the description of each such program.
Normal Website Usage & Log Files
If you visit Word & Brown’s Website, we may gather and store certain information about your visit. The information that we collect does not personally identify you and cannot be linked back to you unless you decide at some point to identify yourself. If you are browsing, we may collect the following information: the type of browser and operating system used, the IP address, the date and time you access our site, the number of times you have accessed our site, whether your computer is enabled for Java or cookies, browser language, application and plug-ins, the pages you visit and if you linked to wordandbrown.com from another website, and the address of that website. We use this information to generate statistics and measure site activity to better provide you with a smooth and efficient experience in using our website.
Categories of Third Parties With Whom We May Share The Information We Collect
The information we collect through this website and from other sources is used to provide quotations for health insurance coverage through Word & Brown’s health plans and to provide other products and services to our brokers. We may share information with our contracting health plan carriers during the underwriting process, as well as affiliated businesses, including but not limited to CONEXIS and CHOICE Administrators, as necessary, to provide services through such companies. The information we receive is a significant part of our business and one of our primary assets. In the future, we might buy, sell, exchange, assign, or trade business assets, which may include this information. Also, in the event that Word & Brown is, or substantially all of its assets are acquired, customer information may be one of the transferred assets. We may also release personally identifiable information when we believe that the release of such information is required by law or is necessary to protect the rights, property, or safety of Word & Brown, or others.
Collection of Personally Identifiable Information to Provide a Service or Correspondence
Word & Brown will receive and store information which may be personally identifiable to you (such as name, address, e-mail address, gender, age, type of request, and possibly additional information) whenever you and/or your broker provides this information to us through this website. We may also obtain information about you from third parties. We may obtain information about employers and their employees through a participating insurance broker. This can occur when the employer requests a quotation for health insurance coverage. In order to obtain a quotation from Word & Brown, the broker will obtain information regarding the employer’s business and employees. This information is provided to us in order to obtain a quote. We may also receive the aforementioned information regarding employers and employees when a broker uses our online account management functionality. This personal information is collected and stored in a manner appropriate to the nature of the data, and may be passed on to our affiliates. Once our affiliates, receive this information, that data also becomes the property of each respective affiliate. Any request to opt out of future communications from such affiliates must be made directly to each such party.
Transmission of Information & SecurityHelper
Even though we endeavor to ensure that all available procedural safeguards are integrated into our website and we adhere to the generally accepted standards of security for the purpose of protecting information provided by visitors to this website, transmission of information through our website has the potential of being unstable, unreliable and insecure. Word & Brown makes every effort to ensure the secure collection and transmission of sensitive user information using industry-accepted data collection and encryption methodologies such as SSL (Secure Sockets Layer) and PGP (Pretty Good Privacy); however, there is a risk that such information may be illegally intercepted. Production data is encrypted in storage and kept in a secure facility with advanced environmental controls and 24/7 on site security. Only employees who need the information to perform a specific job are granted access to this information. We have a comprehensive set of policies and procedures designed to protect your personal data and we regularly train all employees who work with PII on security and privacy practices. Employees are kept up-to-date on our security and privacy practices.
Children’s Online Privacy Protection
This website is not designed for or intentionally targeted at children 13 years of age or younger. The Word & Brown Website complies with the Children’s Online Privacy Protection Act of 1998 (COPPA). COPPA and its accompanying FTC regulation protects the privacy of children using the Internet. Word & Brown does not knowingly collect or solicit personally identifiable information from children under 13. The Word & Brown Website is not intended to solicit information of any kind from children under 13, and is designed to block our knowing acceptance of any such information unless such information is provided by or with the consent of the child’s parents or guardians. It is possible that by fraud or deception we may receive information pertaining to children under 13. If we are notified of this, as soon as we verify the information, we will immediately obtain parental consent or otherwise delete the information from our servers. If you want to notify us of our receipt of information by children under 13, please do so by emailing us at HelpDesk@WordandBrown.com.
Changes to Personally Identifiable Information
As required by law, you have the ability to access and edit the Personally Identifiable Information that you have provided to us. You may change any of your Personally Identifiable Information in your account online at any time by linking to your account in accordance with instructions posted elsewhere on this site. You may also access and correct your personal information and privacy preferences by writing us at HelpDesk@WordandBrown.com. Please include your name, address, and/or e-mail address when you contact us. We encourage you to promptly update your Personally Identifiable Information if it changes. You may ask to have the information on your account deleted or removed; however, because we keep track of past transactions, you cannot delete information associated with past transactions on this site. In addition, it may be impossible to completely delete your information without some residual information because of backups.
E-news and Promotional E-mails
From time-to-time, we may offer free e-newsletters and occasionally send out promotional e-mails as a service to our visitors. We send e-mails only if the user has opted to receive communications from Word & Brown through its websites or its affiliates.
Chat Rooms and Forums
The Word & Brown Website may in the future include chat rooms, forums, message boards, and/or news groups. If so, Word & Brown shall be deemed as a passive conduit and will not be liable for any of the transmitted information. Any information that is disclosed in these areas becomes public information. You should exercise caution before disclosing your personal information via these public venues, which you do at your own risk. If you do so, you may receive unsolicited emails or “spam.” Word & Brown cannot safeguard the privacy of personally identifiable information that is disclosed and can be viewed or accessed online in this manner.
Changes to this Statement
Contacting the Website