“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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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
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.
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.
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