Disclaimer
The Insurance Asset Manager site (insuranceassetmanager.com) is owned and copyrighted by Insurance Asset Manager LLC ("IAM"). Any reproduction, resale, or distribution of information contained on this site without the express written permission of IAM is a violation of U.S. copyright law and prohibited.

IAM and third-party content providers do not represent or endorse the accuracy or reliability of any of the information, content or advertisements (collectively, the "Materials") contained on, distributed through, or linked, downloaded or accessed from any of the services contained on its website (the "Service"), nor the quality of any products, information or other materials displayed, purchased, or obtained as a result of an advertisement or any other information or offer in, or in connection with, the Service.

Site visitors hereby acknowledge that any reliance upon any Materials shall be at their sole risk. IAM reserves the right, in its sole discretion and without any obligation, to make improvements to, or correct any errors or omissions in any portion of the Service or the Materials.

The Service and Materials are provided by IAM and content providers on an "as is" basis, and IAM expressly disclaims any and all warranties, express or implied, including without limitation warranties or merchantability and fitness for a particular purpose, with respect to the service or any materials and products. In no event shall IAM or content providers be liable for any direct, indirect, incidental, punitive, or consequential damages of any kind whatsoever with respect to the service, the material and the products.

IAM encourages visitors to its site to exercise discretion while using its service, as well as browsing other websites on the Internet after clicking on hyperlinks placed on the IAM site. Visitors should note that hyperlinks may direct them to sites that are inappropriate for their purposes.

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Copyright Notice
The copyright on all material displayed on the Insurance Asset Manager website is held by IAM and its owners or by the original creator of the material, and may not be copied, reproduced, distributed, republished, downloaded, displayed, posted or transmitted in any form or by any means, including, but not limited to, electronic, mechanical, photocopying, recording, or otherwise, without the prior written permission of IAM or the copyright owner.

An exception to this general rule is that permission is granted to display, copy, distribute or download IAM materials on condition that it is obtained for personal, non-commercial use, and that the materials are not modified.

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Privacy Policy
Insurance Asset Management LLC (IAM) is strongly committed to protecting the privacy of subscribers and visitors to our website and to serve everybody in a discreet and professional manner.

Our Commitment: IAM has a standing policy to protect the confidentiality and security of information we collect about our visitors and customers. This notice describes the information we may gather and the circumstances under which we may share it.

Subscriptions: The primary way that Insurance Asset Management (IAM) obtains information on this website is through the subscription process ("Subscription Information"). When you or your company subscribe to an IAM service, we request the appropriate billing information on our order form. This information may include a credit card number, expiration date and billing address. Subscription Information is kept in a database and will be retained for future transactions. The information we collect includes an e-mail address. At the time you or your company subscribe, you also select an IAM user ID and password.

Surveys: IAM also obtains information in the process of conducting industry surveys. Participation in the surveys is voluntary. The survey information may include directory information, comprising a company's name, address, phone, fax numbers and Internet address as well as executives' names, phone and fax numbers, and e-mail address. The companies and individuals concerned are informed in advance of the type of information collected by IAM for its surveys, which are made available to the public by subscription.

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Visitors: IAM does not normally collect information about site visitors unless they fill out a web form or send us an e-mail inquiring about IAM's services. In these cases, we will have the information provided and use it to respond to inquiries or to fulfill requests if we can. We do not routinely share any of this information with anyone else unless appropriate to respond to an inquirer's request.

Weblogs: IAM maintains standard weblogs that automatically record basic information about everyone who visits our website. These logs contain:
The Internet domain from which you access InsuranceAssetManager.com.
The IP address.
Type of browser and operating system.
Date and time of the site visit.
The pages that you accessed.
The address of the website you linked from to IAM.

We may also record page views, click throughs and other statistical and tracking information, which will be aggregated with that of other users in order to understand the user characteristics of our website.

Weblogs may also be used to help identify a person or persons attempting to break into or damage our website. We may share weblog information with law enforcement agencies if we believe that we have evidence of a violation of computer security or related laws.

Advertisers and Other Providers
Through advertisers and other outside content providers, IAM offers subscribers and site visitors the opportunity to contact other companies to obtain information or to buy products or services. Any decision to provide information to these providers belongs to subscribers and site visitors, and not to IAM. And if information is provided, its use is governed by the practices of these companies and not by IAM. Also, if an IAM subscriber or site visitor uses an advertisement on the IAM site to click through to an unaffiliated website, IAM's privacy policies no longer apply.

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Cookies
A cookie is a small amount of data, which often includes an anonymous unique identifier, which is sent to your browser from a website's computers and stored on your computer's hard drive. Cookies can be used to provide you with a tailored user experience and to make it easier for you to use the website upon a future visit. IAM will also use cookies to recognize you when you return to our website. Most web browsers are set to accept cookies by default, though you can manually disable the cookies feature of your browser. You should review the online documentation of your browser or consult with the provider of your browser for instructions on how to disable cookies. Please note that if you disable cookies on your computer, some parts of this website may not function properly.

Notification of Changes
IAM reserves the right to change or modify this Privacy Policy from time to time, or to terminate this Privacy Policy. We will post notice of the new policy from the Privacy Policy link on the homepage of our website. Continued use of our website following any such change constitutes agreement by your and/or your company to follow and be bound by the Privacy Policy, as changed.

Your Consent
By using the IAM website, you and/or your company consent to our collection and use of your information, in accordance with this Privacy Policy. If you do not agree with some, or all of the terms of this Privacy Policy, you may not become a Subscriber, or otherwise visit our website.

Contacting IAM
You may contact us by e-mail or traditional mail at the following addresses:

By mail:
Insurance Asset Manager LLC
61 Main Street
Exeter, NH 03833
U.S.A.

By e-mail: cust@insuranceassetmanager.com

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