Privacy Policy

This Privacy Policy (“Policy”) describes the manner in which 21ST CENTURY BENEFIT & INSURANCE BROKERAGE, INC. (“21ST CENTURY BENEFIT & INSURANCE BROKERAGE, INC. “) handles personal information collected in connection with its public web site, www.21stcenturybenefit.com (the “Web site”). 21ST CENTURY BENEFIT & INSURANCE BROKERAGE, INC. has established this Policy to protect the content of the Web site, including all information provided by users of the Web site, from unauthorized access, disclosure, or release. In this Policy, the term “personal information” means information that identifies, or can be used to identify, an individual.

Information Collection

21ST CENTURY BENEFIT & INSURANCE BROKERAGE, INC. is the sole owner of the information on the Web site and collected on the Web site. 21ST CENTURY BENEFIT & INSURANCE BROKERAGE, INC. collects information from visitors wishing to learn more about 21ST CENTURY BENEFIT & INSURANCE BROKERAGE, INC. and its services. This information is collected via electronic mail.

Profiles

21ST CENTURY BENEFIT & INSURANCE BROKERAGE, INC. does not create or maintain profiles of visitors to the Web site.

Cookies

21ST CENTURY BENEFIT & INSURANCE BROKERAGE, INC. may elect to generate “cookies.” A cookie is a piece of data stored on the user’s hard drive containing information about the user. The cookie, and the information inside, is in no way linked to any personally identifiable information. Users may reject a cookie with an understanding that access to and use of the Web site may be severely limited.

We may use session ID cookies and/or persistent cookies. For the session ID cookie, once users close the browser, the cookie simply terminates. A persistent cookie is a small text file stored on the user’s hard drive for an extended period of time. Persistent cookies can be removed by following Internet browser help file directions.

Log Files

Like most standard web servers we use log files and outside services to collect usage information. No personally identifiable information is collected in this process. This includes internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, platform type, date/time stamp, and number of clicks to analyze trends, administer the site, track user’s movement in the aggregate, and gather broad demographic information for aggregate use. Our objective is to monitor the quality of the user experiences on the Web site. IP addresses, and other log information, are not linked to personally identifiable information.

Communications from the Site

The only communications resulting from the Web site are responses to visitor requests for additional information. Communications may be via phone, email, or postal mail in accordance with the visitor’s preferences.

Information Use

21ST CENTURY BENEFIT & INSURANCE BROKERAGE, INC. will not sell, share, or rent collected information to others in ways different from what is disclosed in this statement.

Sharing

Non-Personally Identifiable Information

We may share aggregated demographic information for the purpose of maintaining and expanding the Web site and its contents.

Personally Identifiable Information

Personally identifiable information provided voluntarily by a site visitor may include name, company, address, phone, email, and other information gathered by electronic mail from visitors wishing to be contacted with additional information. To respond to the visitor’s request, this information may be shared with employees of 21ST CENTURY BENEFIT & INSURANCE BROKERAGE, INC as well as with 21ST CENTURY BENEFIT & INSURANCE BROKERAGE, INC’s distributors and their employees and subcontractors.

Legal Disclaimers

21ST CENTURY BENEFIT & INSURANCE BROKERAGE, INC. reserves the right to disclose personal information if required by law enforcement authorities, subpoena or other court order, or other governmental authority, and (to the extent permitted by law and the Safe Harbor principles) to the extent necessary to protect the legal rights and personal safety of 21ST CENTURY BENEFIT & INSURANCE BROKERAGE, INC. and its employees and agents.

Links

The Web site may contain links to other sites owned and operated by third parties. These sites may have privacy policies that differ from this site. This Policy applies solely to information collected by the Web site.

Security

We maintain reasonable precautions designed to ensure the security of personal information covered by this Policy, and to protect such personal information from loss, misuse or unauthorized access, alteration, destruction or disclosure. Although we make every effort to ensure security of customer information, no data transmission over the Internet can be guaranteed to be 100% secure.

Notification of Changes

Changes to this Policy will be posted on the Web site.

Effective Date of Policy: November 2009