Thank you for visiting this American Benefit Plan Administrators, Inc. Web site. ABPA is committed to protecting your privacy and using technology that provides you with a safe and productive on-line experience. This Privacy Policy describes ABPA’s information gathering and dissemination practices as they relate to this Web site.

By using this Web site, you agree to and accept the terms of this Privacy Policy. If ABPA changes this Privacy Policy, such changes will be made on this page. Your continued use of this Web site following the posting of any such changes shall constitute your acceptance of those changes.

Collection of Information.
Your personal information is obtained only when you provide it to ABPA voluntarily. In general, you may visit the public portions of this Web site without disclosing who you are or revealing any personal information about yourself. There are instances in which ABPA will ask you for personal information. For example, personal information is required when you register for access to secure portions of this Web site.

Use of Information.
ABPA may use your personal information to provide you with the services or information you request, including services that display customized content and advertising. ABPA may also use the personal information you supply to (a) make the Web site easier for you to use, (b) help ABPA to customize content that is most relevant to you, and (c) notify you of important new products and services, product and service updates and similar information that may be of interest to you. ABPA may share aggregated non-personal information with third parties. If ABPA uses third parties to assist in processing your personal information, ABPA will require such third parties to comply with this Privacy Policy and other appropriate confidentiality and security measures. ABPA may also share information with third parties in limited circumstances, such as in complying with legal proceedings, preventing fraud or imminent harm and ensuring the security of its network and services. ABPA will not sell, rent or lease to others your personally identifiable information.

Managing Information.
In the process of administering this Web site, ABPA will maintain and track usage through Web server logs. Web server logs provide such information as the types of browsers that are accessed on the site, the pages that receive high traffic, and the times of day when ABPA’s server experiences the most volume. ABPA may use this information to improve the content and navigation features of its site. It may compile anonymous or aggregated forms of this information to identify future features and functions to develop for the site and provide better customer service.

Data Security.
ABPA is concerned about the security of your information. To prevent unauthorized access or disclosure, maintain data accuracy, and ensure the appropriate use of information, ABPA has put into place reasonable physical, electronic, and managerial procedures to safeguard and secure the information collected online. You agree and understand that you are responsible for maintaining the confidentiality of user names and passwords associated with any account you use in connection with the services or Materials offered on this Web site. You also agree that you will be solely responsible to ABPA for all activities that occur on your account.

Privacy and Security.
ABPA’s business practices are in compliance with the Privacy and Security provisions of the Health Insurance Portability and Accountability Act of 1996, as amended.

On-line Communications.
Unless you are using a secure email functionality specifically established by ABPA, your email communications may be accessed or viewed inappropriately by other users of the Internet while such communications are in transit. If you wish for your information to remain fully protected, you should not use email to transmit information, unless a secure email functionality has been established.