EMPLOYEE HEALTH INSURANCE & BENEFIT SERVICES NATIONWIDE
© 2005- 2007 JAGDirect; jag insurance & benefit services; all rights reserved.
Welcome to JAGDIRECT!
Important Notice - JAGDIRECT Privacy Statement
or send e-mail to any JAGDIRECT.com e-mail address.
Revised January 27, 2007
At JAGDIRECT, we value you as a customer. We share your concerns about privacy. We are providing this notice to
explain how we treat personal information (“customer information”) that is not public. This is information we obtain
from you or other sources when we provide you with products and services.
We want you to know that we respect your privacy; and we protect your information.
We do not sell customer information.
We do not share your information with persons, companies, or organizations outside of JAGDIRECT that would use
that information to contact you about their products and services.
We expect persons or organizations that provide services on our behalf to keep your information confidential. We also
expect those persons or organizations to use your information only to provide the services we have asked them to
We convey to our employees about the need to protect your information. We have established safeguards (these are
physical, electronic and procedural) to protect this information.
Attention Internet users
This notice provides information about your use of our Web site. This includes:
By using JAGDIRECT.com in any manner (whether browsing, registering for or using the Customer Care Center,
following a link, sending an e-mail to an JAGDIRECT.com e-mail address, obtaining or saving or retrieving a
premium estimate, making a purchase, or using any other content or materials on JAGDIRECT.com), you agree to all
jagdirect.com and do not change or alter any other agreement or contract between you and JAGDIRECT.
constitutes acceptance of those changes.
Who should use our web site;
The security of data transmitted over the Internet; and Links and co-branded sites.
What do we do with your information?
We do not sell your customer or medical information to anyone. We do not share this information with companies or
organizations outside of JAGDIRECT that would use it to contact you about their products and services. If that practice
were to change, we would offer you the means to opt out of this type of information sharing. Also, we would obtain
your consent before sharing your medical information for marketing purposes.
Your agent or broker may use your information to help you with your insurance needs. We may also contact you about
products, features, and options in which you have expressed an interest. Without your consent, we may provide your
information to persons or organizations in and out of JAGDIRECT. This would be done as permitted or required by
law. We may do this to:
- Fulfill a transaction you have requested.
- Service your policy.
- Market our products to you.
- Detect or prevent fraud.
- Participate in insurance support organizations. The information in a report prepared by an insurance
organization may be retained by that organization and distributed to other
- Comply with lawful requests from regulatory and law enforcement authorities.
These persons or organizations may include:
- Our affiliated companies.
- Companies that perform services, such as marketing, on our behalf.
- Other financial institutions with which we have an agreement for the sale of financial
- Other insurance companies. This would be done so they could perform their role in an insurance transaction
- Independent claims adjusters.
- A business or businesses that conduct actuarial or research studies.
- People who request information pursuant to a subpoena or court order.
- Your agent or broker.
What kind of customer information do we have, and where did we get it?
Much of the information that we have about you comes from you. When you perform certain transactions, you may
give us information such as your name, address, e-mail address, telephone number, family member information,
credit/debit card numbers, auto/property ownership and/or Social Security Number. These transactions include when
you submit an application for insurance, submit a request for insurance, submit a request for products and services
we offer, or submit a request for an insurance quote. We keep information about the types of services you purchase
from us and our affiliates. Examples of this include premiums, account balances, and payment history. We may
collect information from our web site. This includes your activity while using our site and information from online
collecting devices known as “cookies” (see below). We may collect information from outside sources such as
consumer reporting agencies and health care providers.
Links to Other Web Sites
This Web site contains links to other sites (including, but not limited to, sites owned and/or operated by
CARBUGY.COM). JAGDIRECT provides links to other sites as a convenience to persons who visit the JAGDIRECT
Web site. If you choose to use the services provided by those sites, you may be asked by those sites to provide certain
personally identifiable information (some of which may, on an individual or aggregated basis, be shared with
JAGDIRECT). Please be aware that JAGDIRECT is not responsible for the privacy practices of those sites, even
though JAGDIRECT's name or logo may appear on those sites. We encourage you to be aware when you leave our
site and to read the privacy policies of each and every Web site that you visit, as the privacy policies of those sites may
differ from ours. Our Privacy Statement applies solely to this Web site.
JAGDIRECT is not responsible for the contents of any linked site or any link contained in a linked site.
THIS WEB SITE IS PROVIDED ON AN "AS IS" BASIS. TO THE EXTENT PERMITTED BY LAW, JAGDIRECT DISCLAIMS
ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF
MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. JAGDIRECT DOES NOT WARRANT THAT THE
FUNCTIONALITY OR OPERATION OF THE JAGDIRECT WEB SITE WILL BE UNINTERRUPTED OR FREE FROM
ERROR, THAT ANY DEFECTS IN THE WEB SITE WILL BE CORRECTED, OR THAT THE WEB SITE OR THE
SERVER(S) THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL CONDITIONS OR
JAGDIRECT MAY CHANGE THE PROGRAMS OR PRODUCTS MENTIONED AT ANY TIME WITHOUT NOTICE.
ADDITIONALLY, ALL INSURANCE PRODUCTS REFERRED TO IN THIS WEB SITE ARE SUBJECT TO AVAILABILITY
AND QUALIFICATIONS. PRODUCT TERMS, CONDITIONS, AND EXCLUSIONS NOT DESCRIBED IN THIS WEB SITE
Limitation of Liability
TO THE EXTENT PERMITTED BY LAW, JAGDIRECT DISCLAIMS LIABILITY, WHETHER BASED IN CONTRACT, TORT,
NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, FOR DAMAGES OF ANY KIND (INCLUDING, BUT NOT LIMITED
TO, DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, PUNITIVE OR EXEMPLARY DAMAGES) IN ANY
WAY ARISING FROM THE FUNCTIONALITY OR OPERATION OF THIS WEB SITE (INCLUDING, BUT NOT LIMITED TO,
DAMAGES ARISING FROM INTERRUPTIONS OF SERVICE OR DELAYS IN OPERATION OR TRANSMISSION), EVEN
IF JAGDIRECT IS EXPRESSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
severable from the remaining provisions, and the remaining provisions shall remain in full force and effect.