Our Commitment to Online Privacy

Affinity Insurance Services understands the concerns Internet users have about the privacy and security of information collected on our website. We respect your privacy and are committed to protecting it. This policy describes how we accomplish that.

The following privacy policy applies only to users of the ABI Personal Umbrella Insurance Plan website, alipumbrella.com. Our website contains links to other websites. When you click on one of these links you will leave alipumbrella.com/ and be taken to another website. We are not responsible for the content or practices of other websites. We encourage you to read the privacy policies of any website you visit.

Our Online Privacy Policy

Changes to this Privacy Policy:

Because our business is continuously evolving, this privacy policy may change. Whenever there are changes, the updated privacy policy will be posted on this page and will be effective at the time it is posted. Please check back regularly for updates to this privacy policy. At the time we post a new privacy policy we will also notify users of the update.

Information Gathered by Us:

We gather information about visitors to our website to improve the information and services offered. There are two types of information we collect through our website: Visitor Information and Personal Information. How we collect this information is illustrated below.

Visitor Information:
We routinely gather information about website activity. This information, "Visitor Information," is collected on an aggregate basis. Visitor Information may include information such as how many people visit our website, the pages people visit, the features they use, and how long they stay on our website. Visitor Information is generally gathered through the use of cookies.

"Cookies" are small files your browser places on your computer's hard drive as you use a website. We use session ID. A session ID cookie terminates once a user closes his or her browser. Our website uses cookies to make your online experience more convenient. No other information we collect from cookies can be linked back to your Personal Information.

Most browsers automatically accept cookies, but if you prefer, you can set your browser to refuse cookies. Even without a cookie, you can still use most of the features on our website. However, we cannot guarantee that all applications on the site will function properly. If you choose to not accept cookies, the option exists to submit an application via mail or fax.

Personal Information:
We collect Personal Information when you complete an application, quote request, online form, or survey. We retain Personal Information for only as long as necessary for the fulfillment of the stated purpose(s), or as required by laws and regulations. We also collect email addresses of those who communicate with us via email. We do not sell or share e-mail addresses to any third party.

Use of Personal Information:
We do not sell, trade, or give away your personal information to anyone.

We may use your Personal Information to contact you when necessary to process your quote, application or information request.

We may contact you about additional products and services offered by us. You can opt out of receiving these additional communications from us by following the opt-out procedures below.

We will only disclose your Personal Information to third parties when one of the following limited situations arise:

Insurance Companies and Licensed Agents — If you submit a quote or application, we will disclose your personal information to your chosen insurance company to process your application. If you submit an application for an insurance product offered through an insurance agent or agency with whom we have associated, then we may disclose your Personal Information to that agent or agency to process your requested quote or application. Please be assured that the agent or agency is only allowed to use your personal information to process your requested quote or application and is contractually obligated to maintain strict confidentiality. Be sure to read all notices and authorizations connected with an application before completion.

Service Providers — We may disclose your personal information to other companies that help us process or service your insurance application. Be assured that we will only disclose the portion of your personal information that is necessary to process or service your insurance application. These third parties are not allowed to use personal information except for the purpose of providing these services. For instance, we disclose a customers' credit card number, expiration date, and state of residency to our credit card processor in order to process the charges through the issuing bank of the credit card. The companies we hire to process or service your insurance application or correspond with you are not allowed to use your Personal Information for their own purposes and are contractually obligated to maintain strict confidentiality.

Legal Obligations — We may disclose or report your personal information when we believe, in good faith, that the disclosure is required or permitted under law, for example, to cooperate with regulators or law enforcement authorities or to resolve consumer disputes.

Any third party disputes related to this privacy policy will be resolved according to Aon policies and contractual agreements with Insurance Companies, Licensed Agents and Service Providers.

The ALIP Personal Umbrella Insurance Plan complies with all applicable laws and regulations in the collection and handling of your Personal information, including the Gramm-Leach-Bliley Act of 1999, the Health Insurance Portability and Accountability (HIPAA) Act of 1996, certain other laws.

Our servers use Secure Sockets Layer (SSL), the advanced encryption that safeguards Personal Information and privacy. Unfortunately, data transmitted over the Internet cannot be guaranteed 100% secure. As a result, while we strive to protect your personal information, we cannot ensure or warrant the security of any information you transmit to us, and you do so at your own risk. This is especially true for information you transmit to us via e-mail. We have no way of protecting that information until it reaches us. Once we receive your transmission, we make our best effort to ensure its security on our servers.

Internally, we restrict access to Personal Information to employees who need access to the information in order to process your application, quote or service request. These employees are limited in number, and are committed to our privacy and security policies.

We will review our security arrangements from time to time as we deem appropriate. Should you feel that there has been a breach to the security of this site, please contact us immediately at the e-mail address or the telephone number listed below.

Opting Out:
If you do not wish to receive communications from the ALIP Personal Umbrella Insurance Plan or third parties selected by the program you can opt-out by contacting us via mail, phone or e-mail at:

Mailing Address:
Affinity Insurance Services
Attn: ALIP Umbrella Insurance Plan
1100 Virginia Drive, Suite 250
Fort Washington, PA 19034

Toll-free Phone: 1 (800) 453-4033

Email Us
Please write "Opt-out" in the Subject line.

Please note that even if you opt-out of receiving these types of communications, we may still contact you regarding your account. These communications will not be promotional in nature. Be aware it may take some time for your information to be removed from our mailing lists and the opt-out to take effect.
Questions or Concerns about Our Privacy Policy:
All privacy concerns will receive immediate attention. If you have any questions or concerns about our organization, our privacy policy or our privacy practices on this site, please contact us via mail, phone or e-mail at:

Mailing Address:
Affinity Insurance Services
Attn: ALIP Personal Umbrella Insurance Plan
1100 Virginia Drive, Suite 250
Fort Washington, PA 19034

Toll-free Phone: 1 (800) 453-4033

Date of Last Revision: 2/22/11