Privacy Statement

Universal Family Insurance Application Wizard is committed to protecting your privacy and developing technology that gives you the most powerful and safe online experience. This Statement of Privacy applies to the Universal Family Insurance Application Wizard site and governs data collection and usage. By using the Universal Family Insurance Application Wizard site, you consent to the data practices described in this statement.

Collection of your Personal Information

Universal Family Insurance Application Wizard collects personally identifiable information, such as your email address, name, home or work address or telephone number. Universal Family Insurance Application Wizard also collects anonymous demographic information, which is not unique to you, such as your ZIP code, age, gender, preferences, interests and favorites.

There is also information about your computer hardware and software that is automatically collected by Universal Family Insurance Application Wizard. This information can include: your IP address, browser type, domain names, access times and referring website addresses. This information is used by Universal Family Insurance Application Wizard for the operation of the service, to maintain quality of the service, and to provide general statistics regarding use of the Universal Family Insurance Application Wizard site.

Please keep in mind that if you directly disclose personally identifiable information or personally sensitive data through Universal Family Insurance Application Wizard public message boards, this information may be collected and used by others. Note: Universal Family Insurance Application Wizard does not read any of your private online communications.

Universal Family Insurance Application Wizard encourages you to review the privacy statements of Web sites you choose to link to from Universal Family Insurance Application Wizard so that you can understand how those Web sites collect, use and share your information. Universal Family Insurance Application Wizard is not responsible for the privacy statements or other content on Web sites outside of the Universal Family Insurance Application Wizard and Universal Family Insurance Application Wizard family of Web sites.

Use of your Personal Information

Universal Family Insurance Application Wizard collects and uses your personal information to operate the Universal Family Insurance Application Wizard Web site and deliver the services you have requested. Universal Family Insurance Application Wizard also uses your personally identifiable information to inform you of other products or services available from Universal Family Insurance Application Wizard and its affiliates. Universal Family Insurance Application Wizard may also contact you via surveys to conduct research about your opinion of current services or of potential new services that may be offered.

Universal Family Insurance Application Wizard does not sell, rent or lease its customer lists to third parties. Universal Family Insurance Application Wizard may, from time to time, contact you on behalf of external business partners about a particular offering that may be of interest to you. In those cases, your unique personally identifiable information (e-mail, name, address, telephone number) is not transferred to the third party. In addition, Universal Family Insurance Application Wizard may share data with trusted partners to help us perform statistical analysis, send you email or postal mail, provide customer support, or arrange for deliveries. All such third parties are prohibited from using your personal information except to provide these services to Universal Family Insurance Application Wizard, and they are required to maintain the confidentiality of your information.

Universal Family Insurance Application Wizard does not use or disclose sensitive personal information, such as race, religion, or political affiliations, without your explicit consent.

Universal Family Insurance Application Wizard keeps track of the Web sites and pages our customers visit within Universal Family Insurance Application Wizard, in order to determine what Universal Family Insurance Application Wizard services are the most popular. This data is used to deliver customized content and advertising within Universal Family Insurance Application Wizard to customers whose behavior indicates that they are interested in a particular subject area.

Universal Family Insurance Application Wizard Web sites will disclose your personal information, without notice, only if required to do so by law or in the good faith belief that such action is necessary to: (a) conform to the edicts of the law or comply with legal process served on Universal Family Insurance Application Wizard or the site; (b) protect and defend the rights or property of Universal Family Insurance Application Wizard; and, (c) act under exigent circumstances to protect the personal safety of users of Universal Family Insurance Application Wizard, or the public.

Use of Cookies

The Universal Family Insurance Application Wizard Web site use "cookies" to help you personalize your online experience. A cookie is a text file that is placed on your hard disk by a Web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you.

One of the primary purposes of cookies is to provide a convenience feature to save you time. The purpose of a cookie is to tell the Web server that you have returned to a specific page. For example, if you personalize Universal Family Insurance Application Wizard pages, or register with Universal Family Insurance Application Wizard site or services, a cookie helps Universal Family Insurance Application Wizard to recall your specific information on subsequent visits. This simplifies the process of recording your personal information, such as billing addresses, shipping addresses, and so on. When you return to the same Universal Family Insurance Application Wizard Web site, the information you previously provided can be retrieved, so you can easily use the Universal Family Insurance Application Wizard features that you customized.

You have the ability to accept or decline cookies. Most Web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of the Universal Family Insurance Application Wizard services or Web sites you visit.

Security of your Personal Information

Universal Family Insurance Application Wizard secures your personal information from unauthorized access, use or disclosure. Universal Family Insurance Application Wizard secures the personally identifiable information you provide on computer servers in a controlled, secure environment, protected from unauthorized access, use or disclosure. When personal information (such as a credit card number) is transmitted to other Web sites, it is protected through the use of encryption, such as the Secure Socket Layer (SSL) protocol.

Changes to this Statement

Universal Family Insurance Application Wizard will occasionally update this Statement of Privacy to reflect company and customer feedback. Universal Family Insurance Application Wizard encourages you to periodically review this Statement to be informed of how Universal Family Insurance Application Wizard is protecting your information.

Contact Information

Universal Family Insurance Application Wizard welcomes your comments regarding this Statement of Privacy. If you believe that Universal Family Insurance Application Wizard has not adhered to this Statement, please contact Universal Family Insurance Application Wizard at IVFinsurance@UniversalFamily.com. We will use commercially reasonable efforts to promptly determine and remedy the problem.