The privacy of your personal information is important to Actuarial Risk Tests LLC. To better protect your privacy, we provide you with our Privacy Policy so that you will understand our commitment to you and to your privacy. This Privacy Policy describes what information we may collect about you; how we use your information; how we protect it; and what choices you have on how that information is used. At Actuarial Risk Tests LLC, we understand that health is a very personal, private subject, and we want you to feel as comfortable as possible visiting our various Web sites and using their respective services.


Definitions

For purposes of this Privacy Policy, the following definitions apply:

Qualified Customer” means a qualified clinician, professional, clinic or institution, which has an agreement with Actuarial Risk Tests LLC to use this site for administration, scoring or reporting of certain assessments and complies with Actuarial Risk Tests LLC’s Terms of Use, and meets Actuarial Risk Tests LLC Qualifications to Purchase.

Personal Information” means all personally identifiable information that we collect, receive or process with respect to Test Administrators and Test Takers.

Test Administrator” means a Qualified Customer or an individual designated and authorized by the Qualified Customer to coordinate and manage the assessment and scoring process and/or receive assessment test results and reports.

Test Taker” means an individual who is assigned or administered a clinical assessment by a Test Administrator.

You” means a Test Administrator or a Qualified Customer authorized to use this site.


Site Access

Qualified Customer access to this site is restricted by password to Test Administrators designated and authorized by the Qualified Customer. The Qualified Customer authorizes the level and extent of access provided to each Test Administrator. Test Takers assigned to take a clinical assessment through this system may be provided with access to the assigned assessment administration window only by, and under the supervision of, an authorized Test Administrator.

As our privacy policy changes in significant ways, we will make every effort to notify you of the changes. Minor changes to the policy may occur that will not affect our use of individually identifiable or personal health information. When the privacy policy changes in a way that significantly affects the way we handle personal information, we will not use the information we have previously gathered without providing notice or obtaining your consent when appropriate. We will post privacy policy changes on our Web sites in a timely manner.

The following articles make up our Privacy Policy. We hope that reading them gives you a clear idea of how we manage information regarding you.

When we refer to ourselves as “we” or “Actuarial Risk Tests LLC,” we mean our entire company, including any company that we control (for example, a subsidiary that we own). We may share information among companies that we own or control, and we may share information with our co-promotion partners, and companies working with Actuarial Risk Tests LLC but all information we share will always be protected under the terms of this Privacy Policy.

You should read the Privacy Policy at each Web site that you visit after you leave one of our sites. Actuarial Risk Tests LLC is not responsible for how other Web sites treat your privacy once you leave a Actuarial Risk Tests LLC site.


Personal information we collect
Information we collect from visitors

Visitors to each of our Web sites can access the Web site’s home page, and browse some areas of the site, without disclosing any personally identifiable information. We do track information provided to us by your browser, including the Web site you came from (known as the referring URL), the type of browser you use, the time and date of access, and other information that does not personally identify you. On some of our sites, you must register to access portions of the site.

In addition, we gather information about you that is automatically collected by our Web server, such as your IP address and domain name. Actuarial Risk Tests LLC may use Web server and browser information to individually customize its offerings and presentations if you submit your personal information.

Information we collect when you register

Visitors registering for services on our Web sites are asked to provide identifying information, such as name, gender, and contact information. On the registration screen, we clearly label which information is required for registration, and which information is optional and may be given at your discretion. Actuarial Risk Tests LLC Web sites obtain visitors’ consent before collecting personally identifiable information.

Information from outside sources

We may also collect information about physicians or other health care professionals who register on our Web sites from other sources in order to verify their licensure status and identity. In some cases, we ask customers for information after they register, such as credit card information. Where necessary (for example, to process an order for a purchase), our Web sites may contact financial or credit organizations to confirm customer credit card information.

From time to time we may augment our existing user databases with legally obtained information from third parties. Some of this information may be personally identifiable, such as national change of address information. We do this to better target our information offerings and promotional campaigns and to provide pertinent offers in which we think you would be interested.

Other information

We also collect information that you voluntarily provide to us through responses to surveys, search functions, questionnaires, feedback, Tell Your Story forms and the like.

On some of our Web sites, we offer health assessment tools that ask you to provide self-assessment information.

We may also ask you to provide additional information such as your e-mail address if you want to obtain additional services or information or to resolve complaints or concerns.

Use of cookies and other tracking systems

Cookies, log files, and pixel-tags (Web beacons) are technologies used by the Actuarial Risk Tests LLC Web sites to identify a user as the user moves through our Web sites. Your browser allows us to place some information (session based IDs and/or persistent cookies) on your computer’s hard drive that identifies the computer you are using. We may use cookies to personalize our Web sites and to track your usage across other Actuarial Risk Tests LLC Web sites.

Your Web browser can be set to allow you to control whether you will accept cookies, reject cookies, or to notify you each time a cookie is sent to you. If your browser is set to reject cookies, Web sites that are cookie-enabled will not recognize you when you return to the Web site, and some Web site functionality may be lost. The Help section of your browser will tell you how to prevent your browser from accepting cookies.

On occasion, we contract with third parties to place cookies on your computer’s hard drive. These third parties have entered into an agreement with us that requires them to observe our Privacy Policy.

Although cookies do not normally contain personally identifiable information, if you have provided us information about you, we may associate your registration information with cookies or other tracking utilities our Web site places on your computer’s hard drive. Associating a cookie with your registration data allows us to offer increased personalization and functionality. Without cookies, this functionality would not be possible.

Some of our business partners may use cookies on our sites (for example, links to business partners). We do not want our business partners to use cookies to track our customers’ activities once they leave our sites. However, we may not have total control over how our business partners may use cookies on our Web sites. If you become aware that a Actuarial Risk Tests LLC business partner is placing an unwanted cookie on your hard drive, please contact us to assist us in resolving the problem.

In addition, we may use other tracking systems like pixel-tags. Pixel tags, sometimes called Web beacons, are similar in function to a cookie. But because of their insignificant size, it is not visible; though, they are used to pass certain information to our servers to personalize our Web sites and to track your usage across other Actuarial Risk Tests LLC Web sites. In addition, we may also use pixel tags in our HTML based e-mails.


Aggregate data
How we use the information

We gather aggregate data about visitors to our Web sites for product and service development and improvement activities. We also use it for market analysis. We may provide information from our Web sites in aggregate form, with identifying information removed, to third parties. When aggregate health information is provided, we pool it from many individual records and strip it of any data that could be used to identify an individual before it is used. Any third party that receives aggregated health care data must agree not to attempt to re-identify the people it belongs to.


Marketing
Health Care Messages

We may target our marketing and health care messaging depending on information we have about you. For example, a user we know is a woman may receive information on products targeted at women that a male user will not see, or a user who we know is a health care professional who treats certain conditions may receive information for new tests available to help diagnose such condition. We may send information to you that we may believe will benefit you, including information about any Actuarial Risk Tests LLC product. (See your privacy choices section)

We may also personalize our Web site based on your interests. For example, you may see different articles in different places on our Web site based on information you have shared with us, or information we have gained by reviewing your previous visits, or information we may have gained from your interactions with a third party that shares information with us.

When we share information with third parties working on behalf of Actuarial Risk Tests LLC, we use our best efforts to assure that they agree in writing to abide by Actuarial Risk Tests LLC privacy policies.

If we discover that a third party working on behalf of Actuarial Risk Tests LLC inappropriately disclosed personal information about any of our visitors, we will take immediate action to prevent further occurrences.

Other than as described above, Actuarial Risk Tests LLC will not release personally identifiable information to a third party without your consent.


Protection of information |  Our commitment to security
How Actuarial Risk Tests LLC handles privacy internally

We have put in place appropriate physical, electronic, and managerial procedures to safeguard and help prevent unauthorized access, maintain data security, and correctly use the information we collect online.

Children’s policy

We are committed to protecting the privacy of children. We do not collect personally identifiable information from any person we actually know is a child under the age of 13.

General policies

We have implemented technology and security policies, rules, and other measures to protect the personal data that we have under our control from unauthorized access, improper use, alteration, unlawful or accidental destruction, and accidental loss. We also protect your information by requiring that all our employees and others who have access to or are associated with the processing of your data respect your confidentiality.

Actuarial Risk Tests LLC uses security methods to determine the identity of each registered user, so that appropriate rights and restrictions can be enforced for that user. Reliable verification of user identity is called authentication. Actuarial Risk Tests LLC uses both passwords and usernames to authenticate users. Users are responsible for maintaining their own passwords.

Storage of health information

Personally identifiable health information you share with us is stored on our database servers at Actuarial Risk Tests LLC data centers (in whatever country they may be located) or hosted by third parties who have entered into agreements with us that require them to observe our Privacy Policy. We have a firewall and other technology to prevent individuals from accessing information without authorization. Data centers are designed to be physically secure and protected from unauthorized access by unauthorized persons.

Information in our data centers is backed up routinely, in order to aid in the recovery of information in the event of accidental damage of information or due to a natural disaster. The backup media is stored in a physically secure storage facility.

Third parties

In addition to aggregate information (discussed previously), we may share some kinds of information with third parties as described below.

Companies and people who work for us: we contract with other companies and individuals to help us provide services. For example, we may host some of our Web sites on another company’s computers, hire technical consultants to maintain our Web-based health sites, or work with companies to remove repetitive information from customer lists, analyze data, provide marketing assistance, and provide customer service. In addition, if you are a health care professional, we may validate your licensure status and other information against available databases that list licensed health care professionals. In order to perform their jobs, these other companies may have limited access to some of the personal information we maintain about our users. Other companies may collect information on our behalf through their sites. This occasionally incorporates the use of frames on the site that will not show the URL you are visiting in the browser address window. We require such companies to comply with the terms of our privacy policies, to limit their access to any personal information to the minimum necessary to perform their obligations, and not to use the information they may access for purposes other than fulfilling their responsibilities to us. We use our best efforts to limit other companies’ use of personally identifiable or health care information.

Promotional and informational offers: Sometimes we send offers to selected groups of customers. To accomplish this we may use third parties working on behalf of Actuarial Risk Tests LLC . We provide a variety of mechanisms for you to tell us you do not want to receive such promotional — informational offers. For example, we may provide an opt-in box for customers to receive information that is sent by a third-party fulfillment house, and we make clear that, by opting in, you are submitting your data to a third-party. Legal requirements: We may release account and other personal information when we believe release is required to comply with law. We may release personal health information if, in our judgment after review by an attorney, the release is compelled by law or regulation, or if the release may be necessary to prevent the death or serious injury of an individual.

Choice

You will be given the opportunity to choose whether your personal information is (a) to be disclosed to a third party working with Actuarial Risk Tests LLC or (b) to be used for a purpose that is different from the purpose originally intended or authorized. In addition, for sensitive information that includes personal information specifying medical or health conditions, you will be given an affirmative or explicit opt-in choice.

Onward transfer (transfers to third parties)

We will provide you with notice and choice before either personal information or sensitive information is transferred by us to a third party.


Updating your personal information and contacting Actuarial Risk Tests LLC

You can always contact us in order to (i) remove the personal information that you have provided to us from our systems, (ii) update the personal information that you have provided to us, and (iii) change your preferences with respect to marketing contacts by post at:

 Actuarial Risk Tests LLC
 445 East Ohio St #303
 Chicago, IL 60611