Thank you for visiting the BeneSaver website (hereinafter, the "Website"; “BeneSaver”), which is owned and operated by Word & Brown Insurance Administrators, Inc. (hereinafter, "Word & Brown"; "We"; "Our" or “Us”). Your privacy is important to Us. To better protect your privacy, We are providing this notice explaining Our on-line information policies and practices. By visiting this Website, you are consenting to the practices described in this privacy policy.

Effective Date of This Privacy Notice
This privacy policy is effective March 14, 2008.

Categories of Personally Identifiable Information We Collect
We will receive and store information about you, including name, address, phone number and email address whenever this information is provided through this Website. We may also obtain information about you from third parties such as discount vendors if there is a need to resolve a dispute.

Cookies
We and/or Our business partners may use cookies on this Website. 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 Website. A cookie cannot be used to access or otherwise compromise the data on your hard drive. The "help" portion of the toolbar on most browsers will tell you how to prevent your browser from accepting new cookies, how to have the browser notify you when you receive a new cookie, or how to disable cookies altogether. If the user rejects the cookie, they may still use the Website but some functionality may be impaired.

Log Files
This Website does record the IP or internet protocol address of users who log on to facilitate use of the Website. IP addresses are not linked to personally identifiable information.

Categories of Third Parties With Whom We May Share The Information We Collect
The information We collect through the Website and from other sources is used to offer access to discounted services.

Review and amendment of information Collected
If you would like to review and/or amend information We have collected about you, please contact BeneSaver at info@benesaver.com.

Security
The Website adheres to the generally accepted standards of security for the purpose of protecting information provided by visitors to this Website. We use SSL encryption to protect sensitive information on-line. The servers that store personally identifiable information are kept in a secure environment in a locked room. Only Our employees who need the information to perform a specific job are granted access to this information. Our employees are required to use password-protected screen-savers and must re-enter their password to re-gain access to your information when they return after leaving their desks. Employees are kept up-to-date on Our security and privacy practices. Notwithstanding the foregoing, We do not make warranties or representations regarding the security of this data. Data sent over the Internet may be intercepted by third parties; if you are concerned about the security of your data, you should not send it over the Internet.

Third Party Links
This Website contains links to third party websites. We make no representation regarding the content or accuracy of any website that you may access through this Website. We do not monitor and are not responsible for the content found on other websites that are linked from this Website. We do not imply endorsement, recommendation or sponsorship for any linked website or the services, products or advice described on the website. The views, opinions, statements, offers or other information or content expressed therein are those of the respective author(s) or distributor(s).

Children's Privacy Protection
This Website is not designed for or intentionally targeted at children 13 years of age or younger. We will not collect information regarding children 13 years of age or younger unless that information is provided by or with the consent of their parents or guardians.

Notification of Changes
If We decide to change Our privacy policy, We will post those changes on Our Website. Please review this page periodically for changes. Your use of the Website constitutes acceptance of the provisions of this privacy policy and your continued usage after changes are posted constitutes acceptance of each revised policy. If you do not agree to the terms of this privacy policy or any revised policy, please exit the Website immediately.

Accuracy
We believe the information provided on this Website is accurate and We make every effort to minimize errors. However, We cannot absolutely guarantee the accuracy of the information provided. If you find an error, or any inaccuracy, please inform Us as soon as possible.