Privacy Policy



  1. Introduction

    1. We are committed to safeguarding and protecting your personal privacy and do so in compliance with federal and state privacy laws; in this policy we explain how we will treat your personal information. may collect, use and disclose financial and medical information about you when doing business with you or others. As stated prior, we take your personal privacy seriously and protect said personal privacy in accordance with our privacy policies and applicable state and federal laws. We also require all business partners and contracted third party vendors to protect your information in accordance with applicable state and federal laws.

  2. Collecting personal information

    1. Provision of information is voluntary. You can always choose not to provide any personal information that we ask you for. However, our ability to offer you complete services as you have requested may be limited if you do not give information that we require to provide you with our services.

    2. We will treat sensitive information (for example, personal information specifying medical or health conditions, racial or ethnic origins, political opinions or affiliations, religious or philosophical beliefs, or trade union membership) with particular care.

    3. This questionnaire is not intended for, and may not be used by children under the age of 13. Children under the age of 13 are not allowed to fill out this survey or receive services from us.

    4. We may collect, store and use the following kinds of personal information:

      1. information about your computer and about your visits to and use of this questionnaire (including your IP address, geographical location, browser type and version, operating system, referral source and website navigation path);

      2. information that you provide to us when taking the questionnaire associated herewith (including, but not limited to your financial information and you medial information);

      3. information that you provide when completing your profile and the questionnaire;

      4. information that you provide to us for the purpose of subscribing to our email notifications and/or newsletters (including your name and email address);

      5. information that you provide to us that are associated with potential services to be performed by us; and

      6. information contained in or relating to any communications that you send to us or send through the questionnaire or via email (including, but not limited to, the communication content and meta data associated with the communication);

    5. Before you disclose to us the personal information of another person, you must obtain that person's consent to both the disclosure and the processing of that personal information in accordance with this policy.

  3. Using your personal information

    1. Personal information submitted to us through this questionnaire will be used for the purposes specified in this policy or on the relevant pages of the questionnaire.

    2. We may use your personal information to:

      1. administer our business;

      2. contact you regarding our services described on our website, by email or on the questionnaire;

      3. send statements, invoices and payment reminders to you, and collect payments from you;

      4. send you non-marketing commercial communications;

      5. send you email notifications that you have specifically requested;

      6. send you marketing communications relating to our business [or the businesses of carefully-selected third parties] which we think may be of interest to you, by post or, where you have specifically agreed to this, by email or similar technology (you can inform us at any time if you no longer require marketing communications);

      7. provide contracted third parties with applicable information so as to help perform the services outlined in the questionnaire or via email (those third parties shall secure and hold all of your personal information as confidential and will not use said personal information but for the completion of the services in which you have requested us to provide to you); and

      8. deal with enquiries and complaints made by or about you.

    3. We will not, without your express consent, supply your personal information to any third party for the purpose of their or any other third party's direct marketing.

  4. Disclosing personal information

    1. We may disclose your personal information to any of our employees, officers, insurers, professional advisers, agents, suppliers or subcontractors insofar as reasonably necessary for the purposes set out in this policy or to accomplish the completion of the services you have requested.

    2. We may disclose your personal information to any member of our group of affiliated companies (this means our subsidiaries, our ultimate holding company and all its subsidiaries) insofar as reasonably necessary for the purposes set out in this policy or to accomplish the completion of the services you have requested.

    3. We may disclose your personal information to any contracted third party vendor insofar as reasonably necessary for the purposes set out in this policy or to accomplish the completion of the services you have requested.

    4. We may disclose your personal information:

      1. to the extent that we are required to do so by law;

      2. in connection with any ongoing or prospective legal proceedings; and

      3. in order to establish, exercise or defend our legal rights (including providing information to others for the purposes of fraud prevention and reducing credit risk).

    5. Except as provided in this policy, we will not provide your personal information to unaffiliated third parties or third parties that do not require said personal information to complete the services requested by you.

  5. Use or Disclosure of your Information in Ways not Described in this Policy

    1. Other than the uses listed herein, your information will only be used or disclosed with your written authorization. You may revoke such an authorization at any time in writing, except to the extent we have already taken an action based on a previously executed authorization.

    2. To authorize us to use or disclose any of your information to a person or organization for reasons other than those described in this policy, please deliver a written authorization to:

  6. Retaining personal information

    1. This Section 6 sets out our data retention policies and procedure, which are designed to help ensure that we comply with our legal obligations in relation to the retention and deletion of personal information.

    2. Personal information that we process for any purpose or purposes shall not be kept for longer than is necessary for that purpose or those purposes.

    3. Notwithstanding the other provisions of this Section 6, we will retain documents (including electronic documents) containing personal data:

      1. to the extent that we are required to do so by law;

      2. if we believe that the documents may be relevant to any ongoing or prospective legal proceedings; and

      3. in order to establish, exercise or defend our legal rights (including providing information to others for the purposes of fraud prevention and reducing credit risk).

  7. Security of your personal information

    1. We will take reasonable technical and organizational precautions to prevent the loss, misuse or alteration of your personal information.

    2. We will store all the personal information you provide on our secure (password- and firewall-protected) servers.

    3. You acknowledge that the transmission of information over the internet is inherently insecure, and we cannot guarantee the security of data sent over the internet. We recommend that you send any and all communications through SSL encrypted channels.

  8. Amendments

    1. We may update this policy from time to time by publishing a new version on our website.

    2. You should check our website, as stated on the questionnaire, occasionally to ensure you are happy with any changes to this policy.

  9. Your rights

    1. You may instruct us to provide you with any personal information we hold about you; provision of such information will be subject to:

      1. the payment of any applicable copying and delivery expenses; and

      2. the supply of appropriate evidence of your identity.

    2. We may withhold personal information that you request to the extent permitted by law.

    3. You may instruct us at any time not to process your personal information for marketing purposes.

    4. In practice, you will usually either expressly agree in advance to our use of your personal information for marketing purposes, or we will provide you with an opportunity to opt out of the use of your personal information for marketing purposes.

  10. Third party websites

    1. Our website and this questionnaire include hyperlinks to, and details of, third party websites.

    2. We have no control over, and are not responsible for, the privacy policies and practices of third parties.

  11. Liability

    1. We shall not be liable for any damages, losses or liabilities resulting from any dissemination, disclosure, damage to, destruction of, or misuse of your personal information or personal documentation absent an action of gross negligence or wilful misconduct on our part or on the part of our employees or agents.

  12. Updating information

    1. Please let us know if the personal information that we hold about you needs to be corrected or updated so as to perform the applicable services.

  13. Our details

    1. This questionnaire was drafted by and is owned and operated by .

    2. Our principal place of business is at .