Effective 1/23/09

This Privacy Policy describes how we will collect and use your personally identifiable information (“PII”) (i.e. your full name, email address, mailing address, telephone number, or credit card number) as well as data that can, under certain circumstances, indirectly lead to PII (“Related Data”). This Policy applies to PII and Related Data received by us from individuals who provide us with information in connection with their subscriptions

The only personal information we collect about you is what you submit to us via manual e-mail or through the secure membership form.  Membership payment information is shared with an accredited internet payment security system.

From time to time we may revise this Privacy Policy. If we make revisions that change the way we collect or use your PII or Related Data, those changes will be posted in this Privacy Policy and the effective date will be noted at the beginning of the Policy. Therefore, you should review it periodically so that you are up to date on our most current policies and practices. If we make material changes to our practices regarding use of your PII or Related Data, your PII and Related Data will continue to be governed by the Privacy Policy under which it was subject prior to those changes.  
 
When you subscribe to ACTUARIAL QUEST, we collect PII and Related Information from you. When you visit our website we may automatically collect non-PII such as IP addresses and web site usage information from you.
 
We may use information in the following ways:
• For the purposes for which you specifically provided it including, without limitation, to   
   enable us to process and fulfill your subscription or other requests.
• To send you information about your relationship or transactions with us.
• To notify you about our products, services, and special offers.
• To otherwise contact you with information that we believe will be of interest to you.
• To enhance or develop features, products and services.

Special Circumstances: There may be instances when we may disclose PII or Related Data without providing you with a choice in order to protect our legal rights, our members, employees, agents and contractors; to protect the safety and security of visitors to our web sites; to protect against fraud or for risk management purposes; or to comply with the law or legal process. In addition, if we sell all or part of our business, or make a sale or transfer of assets or is otherwise involved in a merger or business transfer, we may transfer your PII to a third party as part of that transaction.

We occasionally send messages to subscribers that are intended to assist in making the most out of your subscription. Each one contains a link that you also may use to opt-out of receiving further ACTUARIAL QUEST messages. To opt out of receiving Actuarial Quest Messages call us at 1-888Quest 51.

We use commercially reasonable measures to safeguard PII and Related Data in our possession against loss, theft and unauthorized use, disclosure or modification. We retain your information for as long as necessary to permit us to use it for the purposes that we have communicated to you and comply with applicable law or regulations.

If you have any questions, comments or concerns about our Privacy Policy, you may contact us at privacypolicy@actuarialquest.com