Privacy Policy

Actuarial Risk Management (ARM) respects your privacy and is committed to protecting the personal information you share with us. The purpose of this privacy policy is to set out the principles governing our use of personal information. If you give us personal information, we will treat it according to this policy.

Collection of information and security

Aggregate information

Like many companies, we monitor the use of this Web site by collecting aggregate information. No personally identifiable data are collected in this process. Typically, we collect information about the number of visitors to the Web site, to each Web page and the originating domain name of the visitor’s Internet Service Provider. This information is used to improve the usability, performance and effectiveness of the Web site.

How we collect aggregate information

In some instances, ARM may collect aggregate data through cookies. The majority of Web browsers accept cookies and similar files, but you can usually change the browser settings to prevent this. However, if you do so, some functionality of this Web site may be lost.

Personal information

If you are required to register in order to use a feature of this Web site or to complete an online application form (e.g. to obtain online publications), we will collect personally identifiable information about you, such as your name, e-mail address and other information which you voluntarily submit.

Sharing your personal information

Data processing and storage

If we obtain any personal information about you, we may share it within ARM.

Authorized third-party agents

Our policy is not to share personally identifiable information with third parties, unless required by law, or unless explicitly requested by a visitor. For example, if we need to ship something to you, we must share your name and address with a shipping company. We only provide third-party agents with the minimum amount of personal information necessary to complete the requested service or transaction.

Legal requirements and illegal activities

We may respond to subpoenas, court orders, or legal process by disclosing your personal information and other related information, if necessary. We may collect and share personal information in order to investigate or take action regarding illegal activities, suspected fraud, violations of ARM’s Terms of Use, or as otherwise required by law.

Opting out

We may, from time to time, contact you by e-mail with information about our products or services. If you do not wish to receive such e-mails you can easily opt out by sending us an e-mail.

Third-party links

Our Web site may provide links to other third-party Web sites that are outside our control and not covered by this policy. We encourage you to review the privacy policies posted on these (and all) sites.

Change

We may change our privacy policy from time to time. We therefore ask you to check it occasionally to ensure that you are aware of the most recent version.

How to contact us

We welcome feedback and questions on this privacy policy. If for any reason you wish to contact us, please send an e-mail.

This Web site is provided by Actuarial Risk Management, Ltd. You may contact ARM by sending us an e-mail. References to “ARM,” “we,” “us,” and “our” are references to Actuarial Risk Management, Ltd.