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Privacy Policy

Last Updated on10/2/2002

This document sets forth the HI4.com Online Privacy Policy (the "Privacy Policy") for this Web site, www.HI4.com (the "Site"). If you have objections to the Privacy Policy, you should not access or use this Site. This Privacy Policy does not govern privacy practices associated with offline activities or other HI4.com web sites. All "personal information" ("personal information" is defined as any information that identifies or can be used to identify, contact, or locate the person to whom such information pertains) that we collect and maintain will be subject to the version of the Privacy Policy in effect at the time of such collection. HI4.com reserves the right to change the Privacy Policy from time to time at its sole discretion, and will provide notice of material changes on the home page of the Site.

Entities collecting personal information

Personal information on this Site is collected by HI4.com . HI4.com's address is 17 Accord Park Drive, Suite 107, Norwell, MA 02061 and its telephone number is 781-982-5200. The Site contains links to other sites at which personal information is collected. In such instances, unless expressly provided to the contrary, the collection and use of your personal information will be governed by the privacy policy applicable to that site. That privacy policy should identify the entity that is collecting your personal information.

Collection of personal information

As a visitor to this Site, you can engage in many activities without providing any personal information. In connection withsome marketing activities, such as affiliate programs or reciprocal links, HI4.com may ask you to provide certain information about yourself by filling out and submitting an online form. It is completely optional for you to engage in these activities. If you elect to engage in these activities, however, HI4.com may ask that you provide us personal information, such as your first and last name, mailing address (including ZIP code), e-mail address, employer, job title and department, telephone and facsimile numbers, and other personal information. When ordering products or services on the Site, you may be asked to provide a credit card number. Depending upon the activity, some of the information that we ask you to provide is identified as mandatory and some as voluntary. If you do not provide the mandatory data with respect to a particular activity, you will not be able to engage in that activity. In most cases, product orering is done through our insurance partner sites and is governed by the privacy policies stated on their sites.

When you use the Site, HI4.com or third parties authorized by HI4.com may also collect certain technical and routing information about your computer to facilitate your use of the Site and its services. For example, we may log environmental variables, such as browser type, operating system, CPU speed, and the Internet Protocol ("IP") address of your computer. We use these environmental variables to facilitate and track your use of the Site and its services. HI4.com also uses such environmental variables to measure traffic patterns on the Site. Without expressly informing you in each particular circumstance, we do not match such information with any of your personal information.

When you submit personal information to HI4.com through this Site, you understand and agree that this information may be transferred across national boundaries and may be stored and processed in any of the countries in which HI4.com and its affiliates and subsidiaries maintain offices, including, without limitation, the United States. You also acknowledge that in certain countries or with respect to certain activities, the collection, transferring, storage, and processing of your information may be undertaken by trusted vendors of HI4.com, namely our insurance partners.

HI4.com has established relationships with various insurance partners whose services are available to you from this Site or from Web sites that are linked to this Site. Typically, these providers offer services that HI4.com customers might find useful, such as those that can be used in conjunction with HI4.com services and products. In order to use those services, you may be required to provide personal information to the providers. Unless expressly provided to the contrary, personal information that you provide while you are visiting a provider's Web site will be subject to the privacy policy posted on such site, and personal information that you provide while on this Site in conjunction with a provider's service will be subject to this Privacy Policy. You should be aware that our agreements with these service providers often provide that they will share with HI4.com personal information collected from you. In such instances, HI4.com may use this information in a manner consistent with this Privacy Policy. In the situation where sites have an HI4.com "look and feel," and you reasonably believe you are on an HI4.com site, the site is collecting information in a solely intermediary capacity and does not use personal information for secondary purposes.

How your personal information is used

HI4.com collects your information in order to record and support your participation in the activities you select. If you purchase an insurance plan or request more information, for example, the information is used to register your rights, if any, to buyer support or other benefits that may be made available to our clients. As another example, if you enter a contest, information is collected to qualify the entry and contact you regarding the contest or prize awards. Your personal information is also used to keep you informed about product upgrades, special offers, and other products and services of HI4.com and selected third parties if you have so opted to receive such communications. You also will be receiving reminders of policy expiration dates through from our site.

HI4.com may collect information about the use of the Site, such as the types of services used and how many users we receive daily. This information is collected in aggregate form, without identifying any user individually. HI4.com may use this aggregate, non-identifying statistical data for statistical analysis, marketing, or similar promotional purposes.

Your choices with respect to personal information

HI4.com recognizes and appreciates the importance of responsible use of information collected on this Site. Without your consent, HI4.com will not communicate any information to you regarding products, services, and special offers available from HI4.com, although we will. HI4.com will also not provide your name to other companies or organizations without your consent.

There are other instances in which HI4.com may divulge your personal information. HI4.com may provide your personal information if necessary, in HI4.com's good faith judgment, to comply with laws or regulations of a governmental or regulatory body or in response to a valid subpoena, warrant, or order or to protect the rights of HI4.com or others.

Use of cookies

When you visit this Site, you can browse the Site and access important information without revealing your identity. In order to improve our Site, we use "cookies" to track your visit. A cookie is a small amount of data that is transferred to your browser by a Web server and can only be read by the server that gave it to you. It functions as your identification card, and enables HI4.com to record your passwords, purchases, and preferences. It cannot be executed as code or deliver viruses.

Most browsers are initially set to accept cookies. You can set your browser to notify you when you receive a cookie, giving you the chance to decide whether to accept it. (For some Web pages that require an authorization, cookies are not optional. Users choosing not to accept cookies will probably not be able to access those pages.)

While HI4.com may use cookies to track your visit to HI4.com, and our Web servers automatically log the IP/Internet address of your computer, HI4.com does not generally use this information to identify you personally. However, if you expressly provide consent for HI4.com.com to "remember" the unique identifier that you select when you register for various activities on the site, that unique identifier will be stored on a cookie on your computer, linked to your registration information, and your navigation path around the site will be tracked. We associate this data to understand how our site and services are being used so we can understand our customers and offer appropriate products and services.

Privacy-related inquiries and complaints

HI4.com takes its users' privacy concerns seriously. If you believe that HI4.com has not complied with this Online Privacy Policy with respect to your personal information or you have other related inquiries or concerns, you may write to the HI4.com Privacy Officer at the address indicated above.

In your letter, please describe in as much detail as possible the nature of your inquiry or the ways in which you believe that the HI4.com Online Privacy Policy has not been complied with. We will investigate your inquiry or complaint promptly.

Please note that if you provide HI4.com with inconsistent privacy preferences (for example, by indicating on one occasion that third parties may contact you with marketing offers and indicating on another occasion that they may not), HI4.com cannot guarantee that your most recent privacy preference will be honored.

Also, please note that HI4.com is not responsible for the content or privacy practices of non-HI4.com Web sites to which this Site or any other HI4.com Web site may link. You should review the privacy policy of such sites before using the sites.


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