Privacy Notice
Tax Saving Experts knows that your privacy is
Important. You have received this notice as required by law and because you are now or may be a customer of one of our companies. This notice will advise you of the types of Nonpublic Personal Information we collect, how we use it, and what we do to protect your privacy.
“Nonpublic Personal Information” refers to personally identifiable information that is not available to the public.“Employees, Representatives, Agents, and Selected Third Parties” refers to individuals or entities who act on our behalf.
• Our Employees, Representatives, Agents, and Selected Third Parties may collect Nonpublic Personal Information about you, including information:
– Given to us on applications or other forms;
– About transactions with us, our affiliates, or third parties;
– From others, such as credit reporting agencies, employers, and federal and state agencies.
• The types of Nonpublic Personal Information we collect depends on the products we offer to you and may include your: name; address; Social Security Number; account balances; income; assets; insurance premiums; coverage and beneficiaries; credit reports; marital status; and payment history.
We may also collect Nonpublic Personal Health Information, such as medical reports, to underwrite insurance policies, process claims, or for other related functions.
• We restrict access to Nonpublic Personal Information to those Employees, Representatives, Agents, or Selected Third Parties who provide products or services to you and who have been trained to handle Nonpublic Personal Information as described in this Notice.
• We have policies and procedures that direct our Employees, Representatives, Agents and Selected Third Parties acting for us, on how to protect and use Nonpublic Personal Information.
• We have physical, electronic, and procedural safeguards in place that were designed to protect
Nonpublic Personal Information.
• We do not share Nonpublic Personal Information about you except as allowed by law.
• We may disclose all types of Nonpublic Personal Information that we collect, including information regarding your transactions or experiences with us, when needed, to:
(i) Affiliated Tax Saving Experts companies, Representatives, Agents, and Selected Third Parties, as permitted by law; or
(ii) other organizations with which we have joint marketing agreements as permitted by law.
• The types of companies and persons to whom we may disclose Nonpublic Personal Information as permitted by law include: banks; attorneys; trustees; third-party administrators; insurance agents; insurance companies; insurance support organizations; credit reporting agencies; registered broker-dealers; auditors; regulators; and reinsurers.
• We do not share your Nonpublic Personal Health Information unless authorized by you or allowed by law.
• Our privacy policy applies, to the extent required by law, to our agents and representatives when they are acting on behalf of Tax Saving Experts.
• You will be notified if our privacy policy changes.
• Our privacy policy applies to current and former
customers.
Privacy Internet Policy
Tax Saving Experts knows that privacy is important. This explains our policy regarding any information we may collect or personal information you might provide to us when you visit this web site.
• You can visit this site without providing any personally identifiable information about yourself.
• If you do provide personal information to us, please refer to the Privacy Notice to learn how we protect and handle that information.
• This Internet Privacy Policy ("Privacy Policy") only applies to web pages at this URL address. It does not apply to any linked site or any other web site owned or sponsored by Tax Saving Experts, its subsidiaries, affiliates, agents or representatives. The sponsors ("Sponsors") of this site are the TAX SAVING EXPERTS whose names appear on the home page of this site.
• QUESTIONS AND ANSWERS about our Internet Privacy Policy:
• Will Tax Saving Expert’s Internet Privacy Policy change?
• Tax Saving Experts may make changes to this Privacy Policy without notice, by e-mail or by posting changes on this site at the sole discretion of Tax Saving Experts. Please review this Privacy Policy for changes on a regular basis.
• What types of information does Tax Saving Experts collect on this site?
• Tax Saving Experts, the Sponsors and their employees, representatives, agents or selected third parties, as may be allowed by applicable law, may retain personally identifiable information which you submit, provide to us by e-mail, or, in information forms placed on this site, in order to answer your questions or provide services to you.
• We may, as may be allowed by applicable law, collect aggregate information about our customers and other visitors to this site, such as web sites you visit, the number of visits to our site, time spent at the site, services requested, or your domain address.
We also use a service that collects data remotely by using "web beacons" or tags embedded in our site's content. The data we collect includes which operating system and browser you use, how you navigate to and through our site, and how long you stay on our web pages. This information is anonymous and does not include your name, e-mail address, or any other contact information. We share this information with other Tax Saving Experts companies and with our third party vendor. We use this data to improve our site by responding to our users' interests and providing more relevant and useful information.
• Does this site use "cookies"?
• We may. In order to provide better service or to address security hazards, we will occasionally use a cookie. A cookie is a small piece of information which a web site stores on your web browser on your PC and can later retrieve. The cookie cannot be read by a web site other than the one that set the cookie. We use cookies for a number of administrative purposes; for example, to store your preferences for certain kinds of information or to store a password so that you do not have to input it every time you visit our site. Most cookies last only through a single session or visit to our site. None will contain information that will enable anyone to contact you via telephone, e-mail, or any other means. You can set up your web browser to inform you when cookies are set or to prevent cookies from being set.
• How do I access and/or correct personal data?
• The site Sponsors will provide individual customers and visitors with personally identifiable information collected on this site that has been retained regarding that individual customer or visitor. Customers or visitors may correct or update personally identifiable information collected via this site. Go to the Contact Us section of this site to request further information.
• How is information collected on this site protected?
• Tax Saving Experts has implemented security measures to prevent the unauthorized release of or access to personally identifiable information collected through this site. For example, we have set up technical security measures such as browser encryption, routers and firewalls to safeguard personal and financial information against unauthorized access. Our servers are located in the United States of America.
• A filtering router verifies the source and destination of each network packet and determines whether or not to let the packet through. Access is denied if the packet is not directed at a specific, available service. A firewall is used to shield information from the Internet. All incoming traffic is addressed to the firewall, which only allows e-mail into the Member service environment. Traffic through the firewall is subjected to a special proxy process which operates in much the same way as a filtering router, verifying the source and destination of each packet. The proxy then changes the IP address of the packet to deliver it to the appropriate site within the internal network. In this way, all inside addresses are protected from outside access.
• We use secure socket layer (SSL) encryption technology for browser contact. SSL protects information as it crosses the Internet. You can tell if you are visiting a secure area by looking at the padlock symbol at the bottom of your browser screen. If it is "locked," you have a secure session. Presently, e-mail responses to your inquiries are not encrypted. There is also a danger that others may have access to your e-mail through your computer system.
• Am I protected when linking to other sites?
• This site may, from time to time, contain links to other Internet web sites, banner ads or advertisements (which in turn may link to other locations) for the convenience of users in locating information and services that may be of interest. If you use these linked Internet web sites or advertisements, you may leave this site and go to web sites that we do not control. If you decide to visit those Internet sites or advertisers, you do so at your own risk and it is your responsibility to read and comply with the privacy policies on those web sites. Your right to privacy on a linked site is limited to whatever rights are provided to you by the owner of the linked site.
• This Privacy Policy only applies to this site. This site only includes its home page and pages hereunder operated by the Sponsors. This Privacy Policy does not apply to any linked site, any site provided by a third party or any other site provided by Tax Saving Experts. You must consult the privacy policy of each site, particularly at any sites provided by third parties, in order to determine what information about you is collected and how that information is used.
• Do we collect information about children?
• We do not knowingly collect, maintain, or use personal information from our site about children under the age of 13. We request that persons under the age of 18 not use our site without supervision from a responsible adult. If a child whom we know to be under the age of 13 sends personal information to us online, we will only use that information to respond directly to that child, notify parents or seek parental consent.
• Is this Privacy Policy a contract?
• This Privacy Policy is not a contract and is not intended to be a contract between customers or visitors, and Tax Saving Experts, its subsidiaries or affiliates, or the site Sponsors, with respect to any information practices concerning information obtained through use of this site.
• How do I contact you for further information?
• Go to the Contact Us section of this site.
• If you desire further information about how we handle personal information about you, please refer to the Privacy Notice.
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