We know that keeping personal information private is important. That’s why Lotus Benefits Corporation wants you to know how we protect the information you share with us and the measures we take to safeguard all personal information.

On www.lotusbenefits.com, we strive to provide you with the most comprehensive and dependable sources of insurance and financial products information. You can access most of our information with complete anonymity. Whenever you do supply personal information, including the personal information of your employees, it is kept secure and used solely to answer your inquiry, comply with your request, or supply you with information about quotations, new products, and services to help you meet your needs. Lotus Benefits has prepared the following Privacy Policy Statement to describe our policy regarding Lotus Benefits collection, storage and use of information.

Our Privacy Pledge
To meet our users’ insurance and financial needs, we gather and maintain many types of information. To preserve your privacy we pledge to:
•Collect only the information we need to help us deliver superior products and services.
•Protect against unauthorized access to all personal information.
•Refuse to disclose any and all health information to non-affiliated third parties for marketing purposes.
•Refuse to sell your information to non-affiliated mailing list companies or telemarketers.
•Require companies that help us service our policies or accounts to protect all information in accordance with strict privacy standards.
•Maintain up-to-date privacy notices on our Web sites.

Our Online Information Practices
We may disclose information to non-affiliated entities when required by law, such as to respond to a subpoena, to prevent fraud, or to comply with an inquiry by a governmental agency.

Safeguarding Personal Information
We maintain physical, electronic, and procedural safeguards that meet state and federal regulations. Access to information gathered on our Web sites is limited to people who need the information to perform their job responsibilities.

This Web site is owned by Lotus Benefits Corporation
Agents who supply us with their clients’ and customers’ personal information can expect Lotus Benefits to share that information with Lotus Benefits’ affiliates. As such, Agents may receive periodic mailings from Lotus Benefits and its affiliates with information regarding new products and services or upcoming events. If you do not wish to receive such mailings, please indicate it in your on-line communication and Lotus Benefits will remove your name from the list it shares with its affiliates.

Terms and Conditions of Use
Your use of any of the Lotus Benefits web sites is subject to the following the following Terms and Conditions of Use.

Information
This Web site is owned by Lotus Benefits. By accessing, viewing, or using the systems, services or materials on Lotus Benefits web site, (known as the “Site”), you indicate your understanding of these “Terms and Conditions of Use,” and further agree to accept such Terms and Conditions of Use and to be legally bound by them.

Availability and Use of Materials on the Site
“Materials” include information, forms, documents, software and other content present on or available to you from the Site. Lotus Benefits may revise, enhance or update the Materials at any time. You must use the latest version or newest release of the Materials in accordance with the procedures established by Lotus Benefits. Materials which offer descriptions or information on the products Lotus Benefits sell are intended as general information and may not contain complete descriptions of all applicable terms, exclusions and conditions. Product availability varies by state.

Copyright and Proprietary Rights in Marks, Logos and Materials
All service marks and logos located on the Site are owned by Lotus Benefits unless otherwise indicated. All Materials are Lotus Benefits’ property, unless otherwise indicated. All Materials are protected by United States copyright laws and all other applicable laws. Removal or reproduction, by any means, of any Materials, logo, trademark, service mark, or the name of Lotus Benefits or its affiliates, is expressly prohibited without the prior written consent of Lotus Benefits.

License to Use Materials
Lotus Benefits grants you a non-exclusive, non-transferable, temporary license to use Materials. Lotus Benefits may revoke your license to use any Material at any time if you fail to comply with this Agreement, or for any other reason. In no event shall the Materials be used in any manner which Lotus Benefits deems to be directly or indirectly in competition with Lotus Benefits or contrary to Lotus Benefits’ best interests.

Charges
If Lotus Benefits discloses at the time of your use or download of any Materials that Lotus Benefits will charge you for use of the Materials, then your use of those Materials means that you agree to pay to Lotus Benefits any license or use fee then being charged by Lotus Benefits to use specified Materials. All such fees are non – refundable.

Communications with the Site (Agents only)
Except as required by privacy laws, if you elect to communicate with Lotus Benefits via the Site or e-mail, you acknowledge that the information contained in your message shall not be considered confidential and that, subject to privacy laws, Lotus Benefits shall be free to disclose or otherwise use such information contained therein without any liability or limitation, including but not limited to creating and marketing products and/or services using such information. Lotus Benefits is not responsible and shall not be liable for the contents of information, messages or other content posted to the Site by visitors or persons other than Lotus Benefits’ employees. Opinions or comments contained in such items reflect the views of the author and not of Lotus Benefits unless Lotus Benefits expressly states to the contrary.

Links to Other Web Sites
The Site may, from time to time, contain links to other Internet Web sites for the convenience of users in locating information and services that may be of interest. You acknowledge that these third-party sites are maintained by persons or organizations which Lotus Benefits does not control, and Lotus Benefits expressly disclaims any responsibility for the content, the accuracy of the information and/or quality of products or services provided by or advertised on these third-party sites. Lotus Benefits does not control, endorse, promote, or have any affiliation with any other Web site unless expressly stated in the Site or in the other Web Site.

Use of the Internet
While Lotus Benefits endeavors to apply security protocols which are necessary and appropriate to the types of electronic communications which occur through use of the Site, the confidentiality of any communication or material transmitted to or from Lotus Benefits via the Site, other Web Sites or Internet electronic mail cannot be guaranteed, including personal information such as addresses, social security numbers, and other personal information. Lotus Benefits will not be liable for any loss resulting from a cause over which we have no direct control, including but not limited to, failure of electronic or mechanical equipment or communication lines, telephone or other interconnect problems, computer viruses, unauthorized access, theft, operator errors, severe weather, earthquakes, natural disasters, strikes or other labor problems, wars, or governmental restrictions.