ExPatGlobalMedical.com Web Privacy Statement
ExPatGlobalMedical.com is committed to protecting your private information. This Privacy Statement describes the information that we collect when you visit one of our sites. It also describes how we use that information, and how you can update it. We reserve the right to append or otherwise modify this Privacy Statement at any time. Please re-visit this page occasionally to check for updates.
Information We Collect
Collecting various types of information from our visitors allows ExPatGlobalMedical.com to periodically adjust our site to meet our users' needs and expectations. Some of this information is collected automatically, through cookies. Other information is collected when you register for any of our online services, Free Reports or when you request information from one of our insurance partners.
Information Collected Automatically
Some information is automatically sent to ExPatGlobalMedical.com by your browser or Internet session each time you visit one of our sites. These types of information include:
- The name of your browser, e.g., Internet Explorer, Netscape Navigator.
- Your Internet domain, e.g., AOL, Netcom, Earthlink, etc.
- You computer's operating system, e.g., Windows, Macintosh, UNIX, Linux.
- Your navigation path, e.g., the URL(s) that you use to access our site, which of our pages you visit, and where you go when you leave.
- Your IP address.
This information allows us to see how users are finding our sites, and which pages are visited the most often. We can then use this information to make our web sites more useful and more user-friendly.
Information You Provide to Us
In addition to the information automatically collected by your browser, ExPatGlobalMedical.com also collects information that you provide to us when you request quote information.
Our web sites provide users with the opportunity to request and obtain immediate quote information from insurance providers we represent. To do this, we collect contact information (name, address, phone number, email address, gender, age, work experience, etc.) as well as information relevant to the applicant's insurability (height, weight, pre-existing conditions, etc.). This contact information is then provided to the insurance partners from which the user has requested quote information.
How We Use This Information
The information that is automatically collected by our web site allows ExPatGlobalMedical.com to further develop and improve the layout, design, and usability of the site, in order to better serve your Internet needs. Information you provide to us is used for marketing purposes, and may result in follow-up communications.
ExPatGlobalMedical.com may share personally identifiable information with third-party businesses for the purpose of direct marketing, specifically e-mail marketing. All third parties are bound by the CAN SPAM Act (s.877) of 2003, and are required to be in full compliance of all consumer opt-out rules and regulations.
How Our Insurance Partners May Use This Information
IMPORTANT: All proposed named insured listed on this application must be made aware of the following:
In order to provide you with the most accurate quotes possible, insurance companies may need to obtain additional background information about you. As an example additional medical records or doctors reports may be ordered in connection with your insurance application. These reports provide information that may assist in determining your eligibility for insurance and the price you may be charged. Once any additional requested information is received by our insurance underwriters the applicant will be informed if the policy is issued as initially quoted, issued with certain exclusions or denied due to certain underwriting guidelines not being met.
Your Rights -- Our Obligations
ExPatGlobalMedical.com respects the privacy of users visiting our sites and will abide by all applicable laws concerning the release of personal information. On occasion, we may use certain directory information that we collect from you to send you information about products and services, or updates and other information that we think may be of interest to you. We may share this information with our insurance partners to bring similar information to your attention. If you tell us that you do not wish to have this information used as a basis for further contact with you, we will respect your wishes. Please contact us to request that your name and address should be removed from our lists. If you do not want to receive our e-mail marketing, please submit a request to have your e-mail address removed by e-mailing: unsubscribe@ExPatGlobalMedical.com.
Other than directory information, the data that you provide to us as you use the web site will be held in strict confidence by the company, and will be used for company purposes only.
Our Security Measures
Our web sites have security measures in place to protect against the loss, misuse, and/or alteration of the information under our control.
Why We Use "Cookies"
Links From Our Site To Other Sites
Some of our sites may contain links to other sites external to our sites. When you access these external web sites, the providers of the sites will have access to certain information about you. ExPatGlobalMedical.com is not responsible for the privacy practices or the content of any web sites which we do not directly control.
Data created by a web server that is stored on a user's computer. A cookie provides a way for the web site to keep track of a user's patterns and preferences and, with the cooperation of the Web browser, to store them on the user's own hard disk.
The cookies contain a range of URLs (web addresses) for which they are valid. When the browser encounters those URLs again, it sends those specific cookies to the Web server. For example, if a user's ID is stored as a cookie, it saves that person from typing in the same information all over again when accessing that service for the second and subsequent time during the same browser session.
IP (Internet Protocol) Address
This is the address of a computer attached to a TCP/IP network. Every client and server station must have a unique IP address. Client workstations have either a permanent address or one that is dynamically assigned for each dial-up session. IP addresses are written as four sets of numbers separated by periods; for example, 220.127.116.11.
A browser session is defined as the period of time a browser is in consecutive use. The session begins when you open the browser and ends when you close it. When you re-open the browser, you begin a new session.
SSL Encryption (Secure Sockets Layer)
The leading security protocol on the Internet. When an SSL session is started, the browser sends its public key to the server so that the server can securely send a secret key to the browser. The browser and server exchange data via secret key encryption during that session. ExPatGlobalMedical.com also uses SSL encryption whenever we display your personal information (e.g., name and address, scheduled courses, grades).
URL (Uniform Resource Locator)
An Internet address. URLs are used to locate sites on the Internet and to navigate between sites and pages within sites. The URL for ExPatGlobalMedical is www.ExPatGlobalMedical.com