The Iowa Communities Assurance Pool (ICAP) is committed to safeguarding your privacy online. Please read the following statement to understand how your personal information will be treated as you make full use of the ICAPIowa.com website. The ICAPIowa.com website is owned and operated by the Iowa Communities Assurance Pool and Bilbrey Insurance Services, Inc.

If you have any questions regarding our privacy statement, please feel free to contact us by e-mail at contactus@icapiowa.com.

Summary

Our primary goal in collecting user information is to enhance your experience on our website. We use aggregated (gathered up data across all user accounts) information to develop content targeted to users' interests and to better the website user experience. ICAPIowa.com is committed to your privacy and other than as provided herein or after receiving your specific consent, ICAPIowa.com will not share any personal information with any third party at any time, unless required by law.

What this Privacy Policy Covers

This privacy policy covers the website ICAPIowa.com. This privacy policy covers all these transactions. Other ICAPIowa.com sites linked to from this website have their own privacy statements which can be viewed on those sites.

Gathering of Information

Voluntary Submission
ICAPIowa.com does not collect personally identifying information about any individual ICAPIowa.com website user except when knowingly provided by such individual. For example, we may ask you for information, such as your e-mail address, zip code and the country in which you are viewing the website when you register to become a member of ICAPIowa.com. You always have the option not to provide the information we request. If you choose not to provide the information we request, you can still visit most of the ICAPIowa.com website, but you may be unable to access certain options and services. When you register or become a member of ICAPIowa.com or provide information to ICAPIowa.com in any other manner, you agree to provide only true, accurate, current and complete information.

Browser Level Information
ICAPIowa.com Web servers automatically collect information about a site user's IP address, browser type and the URL that you just came from (whether this URL is on the website or not) and which URL you next go to (whether this URL is on the website or not) by reading this information from the user's browser (information provided by every user's browser). This information is collected in a database and used--in an aggregated, anonymous manner--in our internal analysis of traffic patterns within our website. This information is automatically logged by most website. ICAPIowa.com also uses a third party to collect information, including through the use of web beacons.

Use of Information
Our primary goal in collecting user information is to enhance your experience on our website.

To Provide Interactive Communications From ICAPIowa.com
To enhance your experience we may provide you with interactive communications, such as our electronic newsletters, to the e-mail address that you provide to us. Such interactive communications are provided only to those users who have expressly provided us with their permission to receive them as part of their user profile.

From time to time we may provide e-mails highlighting new features, promotions or contests on the website to those users who have expressly provided us with their permission to send such communications as part of their user profile.

Sharing of Information
When you are on an area of ICAPIowa.com and are asked for personal information, you are sharing that information with ICAPIowa.com as well as business partners and vendors providing hosting and other services for ICAPIowa.com. If you do not want your information to be shared, you can choose not to allow the transfer of your information by not using that particular service. In addition, any personally identifiable information provided by our users as part of an advertiser promotion online may be provided directly to advertisers.

As Required By Law
ICAPIowa.com may disclose your personal information if required to do so by law or in the good faith belief that such action is necessary to conform to the edicts of the law or comply with legal process served on ICAPIowa.com or to protect and defend the rights or property of ICAPIowa.com.

Security
Your information is stored on ICAPIowa.com's servers located in the United States. We use procedural and technical safeguards to protect your personal information against loss or theft as well as unauthorized access and disclosure to protect your privacy, including encryption, "firewalls" and Secure Socket Layers. We treat data as an asset that must be protected against loss and unauthorized access. We employ many different security techniques to protect such data from unauthorized access by users inside and outside the company. However, "perfect security" does not exist on the Internet.

Privacy of Children
Kids under 13: Do not send any information about yourself to us--including information such as your name, address, or e-mail address. We do not knowingly collect personally identifiable information from children under 13. In the event that we learn we have collected any personal information from a child under the age of 13 without verification of parental consent, we will delete that information from our database as quickly as possible.

How to Contact Us
If you have any questions regarding our privacy statement, please feel free to contact us by e-mail at contactus@icapiowa.com. We read every message submitted and try to reply promptly to every one.

How Will I Know if the Privacy Policy Is Changed?
This statement may change from time to time, so please check back periodically. [If we are going to be using the information collected from users in a manner materially different from that stated at the time of collection, we will send affected users written notice of the change by e-mail.]