InsuranceForMyNonprofit.org
                   Privacy Policy

1. Consent to Privacy Policy
This Privacy Policy describes how the information collected by InsuranceForMyNonprofit ("Site") is used.  This Privacy Policy is subject to change at any time, and use of this Site is subject to the most recent version of the Privacy Policy.  By visiting and using the Site, and continuing to use this Site after posting of changes to the Privacy Policy, you accept and agree to the practices described in the current Privacy Policy.  If you do not agree to these practices, please do not use this Site.  If you have any questions about this Privacy Policy, contact Claire Reiss, Deputy Executive Director and General Counsel of PERI at creiss@riskinstitute.org or (703) 352-1846.

2. Information Collected
Non-personally Identifying Information Collected.
The Site uses “cookies”, which are a small amount of data that is transferred to your browser by a web server and can only be read by the server that provided it to you. Cookies function as a source of identification, recording your passwords and preferences.   Although the Site uses cookies to track your visit and the Site web server automatically logs certain information such as the pages you visit and the IP/Internet address of your computer, this information does not identify you personally, and you remain anonymous unless you have otherwise provided the Site with personally identifying information.
Personally Identifying Information Collected.

Questionnaires. InsuranceForMyNonprofit.org uses two questionnaires.  The exposure assessment questionnaire collects no personally identifying information.  Your responses are limited to exposure information that helps the Site suggest insurance coverage that may benefit your organization.  The coverage assessment questionnaire gathers more detailed information about your organization, its activities, policies and procedures, present insurance coverage, and loss experience, which information includes personally identifying information such as your organization’s name and federal employee identification number.  If you submit a request for quoter to a participating insurer using the Site, the insurer may require you to submit additional information.
Payment Information. If you use a paid service on the Site, you must provide payment information.  PERI uses secure transaction methods when collecting credit card information over the Internet, and does not maintain or further disclose credit card information you provide.

3. Access to, Use of and Sharing Information
Non-personally Identifying Information.
Cookies and tracking information may be reviewed internally for purposes of improving our services, and may be provided on an aggregated, anonymous basis to current and potential participating insurers.  You can opt out of receiving cookies by changing the setting on your browser.  This will affect the delivery of cookies by other sites as well.  If you reject cookies, you may not be able to register and use some features of the Site.  
Personally Identifying Information     
You will have access to your personally identifying information through your personal home page, as long as you maintain your subscription. The information that you provide is saved on the Site and is accessible to you through your private, password protected home page.
PERI uses your personally identifying information to provide you with educational information on the Site.   PERI also uses your contact information to respond to your comments or requests for information, or to contact you about any issues related to the management of your account.   PERI will not sell or rent or otherwise distribute your information outside its organization except as described in this Privacy Policy.  PERI reserves the right to use your contact information to send you information about other PERI products and services unless you opt out of receiving such information.  

PERI’s Technology Vendor may have access to user personally identifying information in the process of addressing site maintenance and improvement, but will not use your personally identifying information for any other purpose.  

Participating Insurers to which you submit a request for quote through the Site can access and download the responses on your exposure assessment and coverage assessment questionnaires and the entire content of any documents you upload to the Site through your private home page, including any identifying information such as your federal employer identification number.  Information submitted to a participating insurer or downloaded by the participating insurer from the Site becomes and remains part of that insurer’s underwriting file, and will be used by the participating insurer to make a decision on your request for quote. Your designated participating insurer(s) will use the information to evaluate your request for quote, make a decision about granting the requested coverage, and contact you directly with its response to your request for quote and for any follow-up.  PERI is not responsible for your information after it is transmitted to, or accessed or downloaded by participating insurers, but the participating insurers are responsible for treating your personally identifying information in accordance with their own privacy practices.  

Brokers, Agents, & Insurance Advisors to whom you entrust your email address and password to your private home page may access the Site for the sole purpose of using the site on your behalf during the term of your subscription.  Anyone to whom you give your password will be able to access your private home page and any personally identifying information saved there.  Thus, PERI encourages you to protect the confidentiality of your password and to entrust it only to trusted advisors.  

4. Legal Issues  

PERI will provide your information in response to subpoenas, court orders, or other legal process, and PERI reserves the right to use your information to preserve our legal rights or defend claims.

5. Sale or Merger

If InsuranceForMyNonprofit.org changes ownership through an acquisition, merger, sale or other change of business status, PERI reserves the right to transfer your information to the new owner.

6. Links to Other Websites
The Site may include links to the web sites of participating insurers or other organizations that provide information that PERI determines may be useful to users of the Site.  If you go to those web sites, they may collect both non-personally identifying and personally identifying information directly from you.  PERI does not control how those sites use your information, and their use is not addressed by this privacy policy.  PERI encourages you to review the privacy policies of those sites before you provide any personally identifying information.     

7. Security
Electronic. We have in place electronic security measures that are designed to protect the information collected by the Site during storage and transmission over the Internet; however, no security system is foolproof.  We cannot guarantee the security of information while it is being stored on the Site or transmitted to or from the Site.  

User Password. A critical tool in our security system is the user password.  Your protection of your password is critical to maintaining the privacy of your information and is solely your responsibility.  We encourage you to keep your password in a secure place, to not divulge it to anyone other than a trustworthy broker, agent or advisor you have retained to represent your interests, and to sign off your account and close the browser window when you have completed each visit to the Site.  This prevents others from accessing your information, especially if you share a computer with others or are using a computer in a public place, such as an Internet cafe or a library.  If you have reason to believe that there has been a breach of your account's or your password's security, notify us at ahoffman@riskinstitute.org.

8. No Use by Minors
Protecting children’s privacy is important.  This Site does not knowingly register or permit use by children under the age of 13, and is not structured to attract use by children under the age of 13.

9. Revision of this Privacy Policy  
PERI may revise this privacy policy at any time, in its sole discretion.  PERI will post advance notice of revisions on the home page of the Site and will provide a link to the revised privacy policy from the home page and from other locations on the Site.  PERI encourages you to regularly check the current privacy policy for changes.  Your continued use of the Site constitutes acceptance of the current privacy policy.