All Risk Brokerage ("ARB") has adopted this Privacy Policy to tell you how ARB gathers, uses, and protects information gathered about users of this web site (the "Site"). ¨

Privacy Policy Questions and Feedback

ARB welcomes your feedback. If you have any questions or concerns about this Privacy Policy, please contact us.

The only information collected from a visitor who browses the Site without registering or logging in is the user's domain name, browser type, and the date and time the user accesses various areas of the Site. This information is provided to the Site by the user's browser program and is used to determine which areas of the Site users find useful based upon the traffic to particular areas.

ARB may request that you voluntarily supply personal or business information such as your name, address, and area of business in order to participate in special offers or services offered by ARB and its partners and sponsors. At the time of collection, ARB will let users know how such information will be used and users will be permitted to opt out of providing such information.

To access some features of the Site, you may have to register, supplying us with your name, address, phone number, and business information. At the time of registration, ARB will inform you of how such information will be used. In some instances, ARB may make available certain personal information of yours to other reputable organizations with which ARB does business. In these situations, users will be afforded the opportunity to limit or deny access to the user's personal information prior to disclosure by ARB.

Cookies

In order to allow greater personalized service, the Site uses "cookie" files, which are small files sent to and stored on users' computers that allow web servers to recognize repeat users, facilitate users' access to web sites, and allow sites to compile aggregate data that will allow content improvements. Cookies do not damage users' computers or files. If you do not want cookies to be accessible by ARB, most browser programs allow users to deny or disable the use of cookies. Please note, however, that cookies may be necessary for the Site to operate properly and, in the event you restrict ARB from placing cookie files in your computer, your access to and use of the Site may be limited.

Use of Information

All personally identifiable information you enter into the Site is shared with ARB alone. We only permit authorized personnel, who are trained in the proper handling of customer information, to access your personal, business, and account information.

We at ARB fully understand your concerns about keeping private your personally identifiable information. We will never sell, rent, trade, reveal or otherwise transfer any personally identifiable information about you or your business to any third party without your permission, except to comply with law enforcement or other governmental entities. When you register with the Site, you will be given the opportunity to opt out of receiving information about ARB's products and services and those of reputable third parties. Even if you have given us your permission to share your information with reputable companies, you may always decide later that you no longer wish to take advantage of this feature by simply contacting us.

We may occasionally share data compiled and analyzed on an aggregated basis about our users. Such information may be distributed to third parties. However, such aggregated data will not include personally identifiable information of any of our users.

Internally, we use your personal and account information to develop new features for the Site and for marketing and promotional purposes. We may also tailor content delivered to you on the Site based upon your personal and account information. Our goal is to create a Site with as much content of specific interest to you as possible.

Correcting and Changing

Information From time to time, you may need to update or correct the information you provided during registration with the Site.

Security

Because no Internet data transmission is guaranteed to be 100% secure, we cannot guarantee the security of any transmission of information to us. Once we receive the data, however, we take careful measures to protect your account information against unauthorized access or release.

Other Sites

The Site may contain links to other web sites and, likewise, other web sites may contain links to this Site. ARB does not control or endorse such third-party sites and is not responsible for the content or the privacy practices employed by other sites. You should carefully review the privacy policies of those web sites in order to determine how those web sites treat your personal information.

Changes to this Privacy Policy

Use of the Site is your consent that you have read, understood, and agreed to this Privacy Policy and the collection and disclosure of information as provided herein. If we change this Privacy Policy, we shall place notices of such change on the Site. Use of the Site after such notice constitutes your acceptance of the changed terms of this Privacy Policy.