The following documents describe our privacy practices for www.checkmybenefis.com. It details how we handle the information we gather about our customers as well as information about our customers' visits to our web site to retrieve their reports.

Privacy Statement for Customers Using CheckMyBenefits.com

Privacy Principles
Because your privacy is important to us, CheckMyBenefits.com conducts its business under the following privacy principles:

Principle 1 - Your Information is Secure
All the personal information that we collect about you is considered confidential. This information is protected by usernames and passwords. You should keep your password and user name confidential. We have implemented industry standard security mechanisms to protect this information from loss, misuse and unauthorized access, disclosure, alteration and destruction. Examples include limited access, firewalls. CheckMyBenefits.com software and hardware are configured to provide effective security.

Principle 2 - CheckMyBenefits.com Has Limited Access to your Information
CheckMyBenefits.com will not access, modify, or otherwise divulge the information we compile for you except for the express purpose which have been authorized by you or otherwise agreed to by you, or unless acting under a good faith belief that such action is necessary to: (1) conform to legal requirements or comply with legal process; (2) protect and defend the rights or property of CheckMyBenefits.com; (3) enforce our agreements with customers and visitors; or (4) troubleshoot any service problems.

Principle 3 - No Site-Specific Data is Ever Divulged
CheckMyBenefits.com aggregates statistics across the web site services concerning certain broad categories, such as Internet browser usage and screen resolution. This information is presented only in an aggregate form, and in no event will we present specific site data without permission.

Principal 4 - Use of Cookies and other Data Collection Methods
Cookies are small pieces of information that a web site transfers to your computer's hard disk for record-keeping purposes. Cookies can make a web site more useful by allowing CheckMyBenefits.com to personalize information for visitors and by storing information about customer preferences on a particular site. The use of cookies is an industry standard, and many major web sites use them to provide useful features for their customers.

For customers of CheckMyBenefits.com, we store the following information in a cookie:

User ID
Last Visit

And we use this information for the following purposes:

To identify you
To customize our site for you
To help improve navigation
Most browsers are initially set up to accept cookies. If you would prefer, you can set your browser to reject cookies. However, you will not be able to take advantage of our web site if you do not accept the cookie defined above.

Principle 5 - Personal Information
Our site's registration form may require users who signed up for our service, registered for requested additional information to give us contact information (such as their name and e-mail address, last 6 numbers of their social security number.).

When you submit comments and questions on our products via the feedback command, we also ask for your e-mail address. This is to allow us to contact you if there are questions about your feedback.

During registration, this information is temporarily stored in encrypted format in a temporary session cookie. CheckMyBenefits.com does not store such information linked to a permanent cookie.

In addition to the uses for the information you submit to us, we may use personally identifiable information about you to:

Contact you when necessary for additional information necessary, if you are satisfied with our service; to inform you that an upgrade is available; to inform you of the status of your benefit plan with CheckMyBenefits.com.

CheckMyBenefits.com may release account information when we believe, in good faith, that such release is reasonably necessary to (i) comply with law, (ii) protect the rights, property or safety of CheckMyBenefits.com, our users, or others.

Like many companies that accept payment by credit card, CheckMyBenefits.com may share customers’ personal information with qualified third parties in order to process your order or perform a credit worthiness check.

Principle 6 – Access to Personal Information Stored at CheckMyBenefits.com
Customers have access to personal information about them that CheckMyBenefits.com holds in the CheckMyBenefits.com database. Through the web-based administrative console, customers can correct this information where it is inaccurate. This is the only place that a customer must change their information to ensure full functionality of the CheckMyBenefits.com service.

CheckMyBenefits.com may store information about customers in other databases. For more information about changing the information in these databases please contact us using the Feedback page.

Principle 7 -- Opting Out
Individuals may opt-out of receiving future e-mailings from CheckMyBenefits.com. To remove your name from our e-mail list, please go to http://www.checkmybenefits.com/nremove.asp.

Because they are necessary to adequately provide our services, customers cannot opt-out of receiving administrative communications related to their accounts. Such e-mail may include confirmation of a registration or purchase or communication during the sales or support process.

Principle 8 – Changes to Our Privacy Policy
If CheckMyBenefits.com makes any material changes to the way we use you personally identifiable information, we will notify you by e-mail.

For More Information
If you have any questions or comments about this policy, our services, or your experience with CheckMyBenefits.com, you can use the Feedback page on our site, or write to us at:

Callowco Network Services
Attn: Technical Support
P.O. Box 852064
Richardson, TX 75085-2064
Email: http://www.checkmybenefits.comt/nfeedback.htm