This privacy
statement explains the procedures followed by The National
Underwriter Company ("NUCO") in collecting and using
information regarding visitors to this Web site and advises
you what information might be shared with third parties. The
type of information collected will vary depending upon the
portions of the site which you visit and, in certain
instances, which you voluntarily disclose.
1.
COLLECTION OF INFORMATION
Basic Viewing
If you read or
download any pages on a NUCO site, we automatically collect
and store:
the requested Web
page,
the status of the
request (whether it was successful or not),
the date and time
you access our site,
the Internet
address of the Web site or the domain name of the computer
from which you accessed our site,
the type and
version of the Web browser, and
the operating
system of the computer running the Web browser.
In addition to
using this information to send the requested site pages to
your computer, we use this information (i) to monitor the
performance of our Web server and diagnose system problems and
to otherwise administer our system and (ii) to provide
collective demographic and user profile data on visitors to
our site.
Any usage of
on-line chat or newsgroup sessions is considered a public
usage and you assume responsibility for any information or
content which you submit.
Users Who
Register
NUCO sites
include a registration page. This page is optional if you are
simply browsing our site. Visitors may complete a registration
form to be added to our distribution list(s) to receive NUCO’s
e-mail newsletter and information about NUCO products and
services. We may also contact you for other marketing
purposes.
However, in order
to use our online ordering procedure or to access secure pages
(such as online continuing education or our online library) or
to download product demos, visitors must register.
E-Mail Users
If you send us an
e-mail or respond to the Contact Us section, in addition to
the general visitor information, we also will record your
e-mail address and any other personal information included
with your message. We will use this information to respond to
your message and may add your address to an e-mail
distribution list used to announce new products or to update
the status of other products or otherwise contact you for
marketing purposes.
Online
Purchasers/Demo Users
If you access or
download a software or other product demo, in addition to the
general visitor information, we will collect and store your
name and e-mail address and other information on the
registration form. This information will be incorporated into
one or more NUCO database(s). We may use this information to
send you solicitations for NUCO products and make other
marketing contacts.
If you order a
product on-line, in addition to the general visitor
information, we will require certain personal information,
including (i) financial information necessary to process the
order (such as a credit card number or account information),
(ii) location information (including address and business
affiliation) necessary to ship and process the order (which
will include mailing and delivery addresses and telephone
numbers) and to otherwise support the NUCO customer database
and (iii) unique identifiers (such as a user password). We use
this information to authorize and process your order and also
to track order fulfillment and billing. (Customers who do not
wish to provide this information on-line may order products by
telephone or mail.) The customer specific information will be
incorporated into one or more NUCO’s customer database(s). We
periodically send our customers, either by regular mail or
e-mail, information and solicitations for NUCO products and
make other marketing contacts. We also use composite
demographic or profile data for our own internal research and
when dealing with advertisers.
Online Continuing
Education Participants
Individuals
taking continuing education exams on line will have been given
a unique password. This password will be connected to personal
information required for identification of the test taker as
required by the course administrator and the continuing
education authorities of the specific jurisdiction. In
addition to the general visitor information (which, for the
visit to the site when you either order or take the test, may
be linked to your personal identifying test information), if
you ordered the test online, such order data will be recorded
as provided above and will be linked to the test
administration data. We may use composite demographic or
profile data for our own internal research, including test
development, and when dealing with continuing education
providers and certification authorities.
2.
SHARING INFORMATION
Basic Viewing
For visitors who
only read or download pages from a NUCO site, no individual
identifying data is shared outside of NUCO or its providers.
We may disclose or sell collective demographic and user
profile data with third parties.
Registered
Viewers
Visitors who
register may be included in one or more NUCO customer
database(s). This data may be shared or sold to third parties,
unless you request that we not do so. (See the Choice/Opt-Out
section below.)
E-Mail Users
Parties who send
us an e-mail or respond to the Contact Us section may be
included in one or more NUCO customer database. This data may
be shared or sold to third parties, unless you request that we
not do so. (See the Choice/Opt-Out section below.)
Online Purchasers
and Demo Users
Parties who
sample products or order on-line will have certain information
entered in one or more NUCO database(s). Information in NUCO
customer databases may be shared or sold to third parties,
unless you request that we not do so. (See the Choice/Opt-Out
section below.) This may include any information supplied to
NUCO other than individual financial information (such as
credit card or account data, and personal passwords). NUCO
will disclose credit card account, billing and expiration data
only to the institutions with which it has a merchant
relation, including charge authorization services. Delivery
information may be disclosed to shippers and others in the
delivery process for the purpose of delivering goods and
tracking shipments. Payment information may be disclosed to
credit reporting bureaus or used for collection purposes.
Online Continuing
Education Participants
Data gathered as
a general visitor to a NUCO site or as an online purchaser may
be shared as previously described above under those headings.
In addition, you can expect that personal identifying
information, including test results, as required by the
continuing education authority or course provider will be sent
to those parties. Users who have questions as to the specific
data to be provided in any given case, should contact NUCO at
customerservice@nuco.com before registering for a
continuing education program or test.
3.
CHOICE/OPT-OUT
Users who do not wish NUCO to share customer data
information with third parties may request that their name not
be shared either by so indicating when registering at this
site or submitting an on-line order or by contacting us later
to ask that their name be deleted from any such shared lists.
This can be done by contacting NUCO by any of the means given
under the heading CHANGE/MODIFY. Also, NUCO customers who do
not wish to receive future communications on NUCO products or
services may contact us by those same means to have your name
deleted from NUCO customer lists. Such changes normally will
be effective with list usages beginning 10 business days after
we receive your request, although in some cases it may take
longer. This will not affect lists used or shared before the
changes are entered.
4.
COOKIES
A "cookie" is a small data file that is sent to your browser
when you access a web site. NUCO cookies will contain a unique
user ID that tracks the pages you have visited. This user ID
is used only for the operation of the cookie and is not
provided to any third party. A cookie file cannot read other
data from your hard disk or read cookie data created by other
sites. NUCO uses cookies primarily to facilitate your visit
through our sites and to help us improve our sites. NUCO also
will use cookie data in operating its on-line ordering and
product demo functions as well as in granting access to secure
pages.
If you prefer not
to receive cookies from NUCO sites, you should set your
browser to alert you before accepting cookies or to otherwise
block cookies. You do not have to have cookies turned on to
use most areas of a NUCO site. However, you will not be able
to view product samples or demos or to order on-line or use
various other functions.
5. LINKS
As a convenience for our users, NUCO sites may
contain links to third party sites. (This includes links
through advertisements.) These sites are not under the control
of NUCO and are not covered by NUCO’s privacy policy. Once you
link to another site, you are subject to the privacy policy of
that new site. (Check the URL in the location bar on your Web
browser.)
6.
SECURITY
NUCO is committed to taking commercially reasonable steps to
protect any individual identifying information that you
provide to us. We use industry standard secure shopping tools,
including CyberCash™ and Verisign™ technology.
7.
CHANGES/CORRECTIONS
If you have any questions about the accuracy of
information on NUCO’s system or need to modify any information
previously provided, you may contact us to confirm or correct
any individual identifying information as follows:
By e-mail:
customerservice@nuco.com
By regular mail:
The National Underwriter Company
P.O. Box 14367
Cincinnati, Ohio 45250-0367
Attn: Customer Service
By telephone: 800-543-0874
Any other questions regarding this site or this policy should
be directed to
webmaster@nuco.com.
8.
GENERAL
NUCO reserves the right to revise these terms at any
time by updating this posting. Even though you may have
visited this site before, any access is subject to the then
current terms and you are responsible for checking for any
updates. However, the prior terms will continue to apply to
any information submitted under such policy.