Version 3.0 - Last Updated: November 23, 2010
Our Commitment to Online Privacy
Aon Insurance Services understands the concerns Internet users have
about the privacy and security of information collected on our website.
We respect your privacy and are committed to protecting it. This policy
describes how we accomplish that.
Our website contains links to other websites. When you click on one of
these links you will leave cpai.com and be taken to another website. We
are not responsible for the content or practices of other websites. We
encourage you to read the privacy policies of any website you visit
before inputting any data.
time it is posted. Please check back regularly for updates to this
users who have opted-in to receive the AICPA Insurance Program's
E-newsletter in the month the update takes effect.
- Information Gathered by Us:
There are two types of information we collect through our website:
Visitor Information and Personal Information. We gather information
about visitors to our website to improve the information, products and
- Visitor Information:
We routinely gather information about website activity. This
information, "Visitor Information," is collected on an aggregate basis.
Visitor Information may include information such as how many people
visit our website, the pages people visit, the features they use, and
how long they stay on our website. Visitor Information is generally
"Cookies" are small files your browser places on your computer's hard
drive as you use a website. We use both session ID cookies and
persistent cookies. A session ID cookie terminates once a user closes
his or her browser. A persistent cookie is a small text file stored on
the user's hard drive for an extended period of time, and must be
experience more convenient. For example, we may use a cookie to store
your account information between sessions and to maintain information
about quotes you have requested during a session. We do not collect any
Personal Information from cookies. Also, no other information we collect
from cookies can be linked back to your Personal Information.
Most browsers automatically accept cookies, but if you prefer, you can
use most of the features on our website. However, we cannot guarantee
that all applications on the site will function properly. If you choose
to not accept cookies, the option exists to submit an application via
mail or fax.
- Personal Information:
We collect Personal Information when you complete an application, a
quote request, an online form, or a survey. We retain Personal
Information only for as long as necessary to fulfill the stated
purpose(s), or as required by laws and regulations. We also collect
e-mail addresses of those users who communicate with us via e-mail. We
do not sell or share e-mail addresses to or with any third party.
- Use of Personal Information:
We do not sell, trade, or give away your Personal Information - See Below.
We may use your Personal Information to contact you when necessary to
process your quote, or application, or to respond to your information
requests and concerns.
We may also use your Personal Information to help target valuable
marketing and advertising offers or help us design and build better
products and services.
You can opt out of receiving these additional communications from us by following the opt-out procedures below.
- Disclosure of Personal Information to Third Parties
We will only disclose your Personal Information to third parties when one of the following limited situations arise:
Insurance Companies and Licensed Agents - If you submit a quote
or application, we will disclose your Personal Information to your
chosen insurance company to process your application. If you submit an
application for an insurance product offered through an insurance agent
or agency with whom we have associated, then we may disclose your
Personal Information to that agent or agency to process your requested
quote or application. Please be assured that the agent or agency is only
allowed to use your Personal Information to process your requested
quote or application and is contractually obligated to maintain strict
confidentiality. Be sure to read all notices and authorizations
connected with an application before completion.
Service Providers - We may disclose your Personal Information to
other companies that help us process or service your insurance
application. Be assured that we will only disclose the portion of your
Personal Information that is necessary to process or service your
insurance application. These third parties are not allowed to use
Personal Information except for the purpose of providing these services.
Depending on the type of insurance application, service providers may
include the Medical Information Bureau (MIB), a third party
administrator, a bank, a premium financing company, or a credit bureau.
For instance, we would only disclose your name, date of birth, and state
of birth to the Medical Information Bureau to check on your health
history for underwriting of a life insurance application. The companies
we hire to process or service your insurance application or correspond
with you are not allowed to use your Personal Information for their own
purposes and are contractually obligated to maintain strict
Legal Obligations - We may disclose or report your Personal
Information when we believe, in good faith, that the disclosure is
required or permitted under law, for example, to cooperate with
regulators or law enforcement authorities or to resolve consumer
resolved according to Aon policies and contractual agreements with
Insurance Companies, Licensed Agents and Service Providers.
The AICPA Insurance Programs complies with all applicable laws and
regulations in the collection and handling of your Personal Information,
including the Gramm-Leach-Bliley Act of 1999, the Health Insurance
Portability and Accountability (HIPAA) Act of 1996, certain other laws,
and Aon policies.
- Accessing Your Personal Information
To gain access to the Personal Information you provided to us, you must
contact the customer service area for the specific product for which
you provided the information. If you need to find a customer service
contact or make a change to your address, customer service contacts and a
change of address form are available in the Contact Us section of the website.
If you have established a "user profile" on a CPAI website, you may change the information you provided by visiting www.trustmyaccount.cpai.com and resubmitting your information.
When you submit an online application on cpai.com please be advised
that we use the latest 128-bit encryption technology. Our servers use
Secure Sockets Layer (SSL), the advanced encryption that safeguards
Personal Information and privacy. Unfortunately, data transmitted over
the Internet cannot be guaranteed 100% secure. As a result, while we
strive to protect your Personal Information, we cannot ensure or warrant
the security of any information you transmit to us, and you do so at
your own risk. This is especially true for information you transmit to
us via e-mail. We have no way of protecting that information until it
reaches us. Once we receive your transmission, we make our best effort
to ensure its security on our servers.
Internally, we restrict access to Personal Information to employees who
need access to the information in order to process your application,
quote or service request. These employees are limited in number, and are
committed to compliance with our privacy and security policies.
Authentication is used to prevent access to Personal Information stored
electronically. Physical security is maintained over Personal
Information stored in hardcopy form. Special security safeguards are
applied to sensitive information.
We will review our security arrangements from time to time, as we deem
appropriate. Should you feel that there has been a breach in security of
this site, please contact us immediately at the e-mail address or the
telephone number listed below.
- Opting Out:
If you do not wish to receive communications from the AICPA Insurance Programs you can:
Please note that even if you opt-out of receiving these types of
communications, we may still contact you regarding your account. These
communications will not be promotional in nature.
- Opt-out from receiving future E-newsletter announcements by
following the "unsubscribe" instructions at the bottom of any
E-newsletter announcement you receive from the AICPA Insurance Programs
or by emailing us at Privacy@cpai.com.
- Opt-out from receiving communications from the AICPA Insurance
Programs or third parties selected by the AICPA Insurance Programs by
regular mail, by contacting us via mail, phone or e-mail at:
Aon Insurance Services
Attn: Diane Urban
159 East County Line Road
Hatboro, PA 19040
Toll-free Phone: 1-800-221-3023
Please write "Opt-out" in the Subject line.
Toll-free Phone: 1-800-221-3023
Direct Line: 1-215-293-1223