1. Collection of Personal Information from Site Visitors.

When you visit www.www.njinsurance.net, or any one of our web sites, NJ Insurance may collect and/or track: (1) your home server domain names, your e-mail address, your type of computer, the files downloaded, the search engine used, operating system, and type of Web browser; (2) the e-mail addresses of Visitors that communicate with NJ Insurance via e-mail; (3) information knowingly provided by the Visitor in online forms, surveys, e-mail, contest entries, and other online submissions (including demographic and personal profile data), and (4) aggregate information on pages accessed by a Visitor.

To better serve you, we use "cookies" to customize your browsing experience. Cookies are simple text files stored by your browser and they provide a method of distinguishing among Visitors to our sites. We use "cookies" to store a randomly generated tag on your computer such that when you revisit our sites, we may recognize the Visitor by the Internet cookie and customize the Visitor's experience accordingly. The cookies created on your computer by using our sites do not contain personally identifiable information. You can refuse a cookie, or delete the cookies file from your computer at any time by using any one of a number of widely available methods. However, you should be aware that if you disable the "cookies" feature of your browser, you may not be able to use the portals within our site.

When a Visitor performs a search on our site, we may record information identifying the Visitor or linking the Visitor to the search performed. NJ Insurance may also record limited information for every search request and use that information only to solve technical problems with the service and to calculate overall usage statistics.

2. Use of Personal Data

NJ Insurance may use the information it collects online for a number of different reasons, including editorial and feedback purposes, marketing and promotions, performing a statistical analysis of Visitor usage, product development, content improvement, or to customize the content and layout of our site. Aggregate data that does not identify individual users may be used for internal purposes or provided to third parties.

Personally identifiable information, such as names, postal addresses, e-mail addresses, phone numbers, and other personal information which Visitors voluntarily provide to NJ Insurance may be added to our databases and used for future communications regarding site updates, new products and services, the confirmation of transactions through the portals, upcoming events and for other purposes in accordance with State and Federal law.

3. Disclosure of Personal Data to Third Parties

Unless otherwise authorized by a Visitor, NJ Insurance will not sell, rent, license or disclose personally identifiable information to unaffiliated third parties.

NJ Insurance will not release personally identifiable information to any party unless required to do so by government authorities or legal process in accordance with applicable law.

4. Link Disclaimer

NJ Insurance occasionally provides links to other entities on its sites for your convenience in locating health-related information, services and products. Please be advised that when you link to these other sites, you are leaving NJ Insurance's site and that these other sites are maintained by organizations over which NJ Insurance has no control. Accordingly, a link on any of our sites does not constitute endorsement of the content, viewpoint, policies, products or services provided or advertised on that site. Once you link to a site not maintained by NJ Insurance, you are subject to the terms and conditions of that site, including, but not limited to its privacy policy.

Certain products, services or treatments referred to on other sites that have a link on our site, may not be covered under certain plans offered by NJ Insurance. Members should refer to their benefit contract for complete details of the terms, limitations and exclusions of coverage. In addition, certain providers may not be network providers. Please refer to our provider directory or call NJ Insurance to make certain the professional listed is a network provider.

5. Security Measures

NJ Insurance has implemented numerous security features to prevent the unauthorized release of or access to personal information. For example, all NJ Insurance employees are required to certify their understanding that personal information is considered confidential, that it is important to safeguard personal information, and that NJ Insurance will take appropriate action against any employee who fails to acknowledge these facts or adhere to the requisite standards of conduct.

The NJ Insurance portals use 128 bit encryption to help keep information secure. You will not be able to access certain pages of our site unless your computer has 128-bit encryption. You should also be aware that despite these and other security measures implemented by NJ Insurance, no security process is completely foolproof. We will continually assess our security procedures and modify them to protect your information and we ask that our Visitors take the appropriate measures to protect their information.

If you register for one of our portals, you will have the opportunity to receive or create a password to access or submit personal information. Visitors who register to use a portal should not divulge their password to anyone and NJ Insurance will never ask for your password in an unsolicited phone call or e-mail. When you are finished with applications that are password protected, you should exit the page.

You should be aware that the confidentiality of any communication or material transmitted to/from NJ Insurance via this site or e-mail cannot be guaranteed. NJ Insurance is not responsible for the security of information transmitted via the Internet. Visitors who prefer to communicate with NJ Insurance in another manner other than through our site can contact us by telephone at 215 241 2400 or write to us via regular mail at: NJ Insurance, 1901 Market Street, Philadelphia, PA 19103 -1480. If you prefer e-mail, you can write to us at ah.eCorrespondence@www.njinsurance.net

6. Opt-Out Right

Visitors may opt out of having certain personally identifiable information used by NJ Insurance for secondary purposes or used by NJ Insurance or its affiliates for marketing or other promotional communications by contacting NJ Insurance via regular mail, e-mail, or telephone at the addresses above. (This does not apply to collection of the type of Web browser of visitors to NJ Insurance's site.)

7. Access to and Ability to Correct Personal Data

Upon request via regular mail, e-mail, or phone, NJ Insurance will provide to Visitors a summary of any personally identifiable information retained by NJ Insurance regarding the Visitor. You will also be able to access personal information retained by NJ Insurance through the Member Portal. Members may seek to modify, correct, change or update information that NJ Insurance has collected by contacting us via regular mail, e-mail, or telephone at the addresses above. Some Visitors may also be able to update their information via the Member Portal.

8. Collection of Personal Data from Children

To the extent that NJ Insurance is able to determine the age of Visitors by their submissions to or communications with NJ Insurance's site, NJ Insurance will not knowingly (a) collect or post information from individuals under the age of thirteen ("children") without their parent's or guardian's consent, or (b) provide any personally identifying information collected from children, regardless of its source, to any third party for any purpose whatever.

If registration is required for any services on the NJ Insurance Site, and a Visitor submits information to NJ Insurance's Web site through such a registration process that indicates that such Visitor is a child, the child's parent or guardian will be alerted to the child's registration and will be provided instructions on how the parent or guardian can delete the child's registration, if so desired. No information collected through NJ Insurance site from Visitors who identify themselves as children will knowingly be used for any direct marketing or promotional purposes. If there are no age restrictions on a contest which requires registration, and if a child wins, notification and prizes will be sent to the parent(s) or guardian(s) identified in the initial registration process.

9. NJ Insurance's Right to Contact User

NJ Insurance reserves the right to contact site Visitors regarding account status and changes to the member handbook, the privacy policy, or any other policies or agreements relevant to those who visit the site.

10. NJ Insurance's Right to Change Privacy Policy

NJ Insurance reserves the right to change this Privacy Policy at any time by notifying Visitors of the existence and location of the new or revised Privacy Policy.