MMA Programs is committed to protecting consumer privacy online. We believe that greater protection of personal privacy on the web will not only protect consumers, but also increase consumer confidence and ultimately their participation in online activities. MMA Programs intends to give you as much control as possible over your personal information.

The purpose of our policy is to inform you about the types of information we gather about you when you visit our sites, how we may use that information, whether we disclose it to anyone, and the choices you have regarding our use of, and your ability to correct, the information.

Our site may contain links to other web sites. We have no control over the privacy practices or the content of any of our business partners, advertisers, sponsors or other sites to which we provide links from our sites. You should check the applicable privacy policy of the web site sponsor when linking to other web sites.

Information Which We Collect

We may request that you voluntarily supply us with personal information, including your e-mail address, postal address, home or work telephone number for purposes such as correspondence. If you choose to give us personal information via the Internet that we or our business partners may need -- to correspond with you for example -- it is our intent to let you know how we will use such information.

Like many other sites, our sites may utilize a standard technology called a "cookie" to collect information about how our site is used. Cookies were designed to help a web site recognize a user's browser as a previous visitor and thus save and remember any preferences that may have been set while the user was browsing the site. A cookie cannot retrieve any other data from your hard drive, pass on a computer virus, or capture your e-mail address. Our web sites may use cookies to enhance your visit. Cookies can securely store a user's password, personalize home pages, identify which parts of a site have been visited or keep track of selections. Our cookies may collect your domain name and track your selections through our web pages. We only use "cookies" to gather the information indicated in this policy and do not use cookies to gather personal identifying information about you without your consent.

User Information Usage

We may perform statistical analyses of user behavior. This allows us to measure consumer interest in the various areas of our web sites for product development purposes. Any information we collect is used solely for internal purposes, to improve the content of the web site, to enhance users' experiences when visiting our site, to customize the content and/or layout of our pages, and to provide the services required by an individual user. We do not use personal identifying information for any reason that is not disclosed either in this Statement or at the time the information is requested. There may be instances where you will have the opportunity to subscribe to an e-mail list that will send information about the site or our advertisers to your e-mail address, but this will be done only with your permission and consent.

Third Parties Disclosures

We do not share personal identifying information with any third party without your permission. We disclose only in aggregate form our statistical analyses or demographics of users to third parties, such as advertisers or other business partners. In some instances, we may operate shared web sites with businesses affiliated with us. Our privacy policy will apply to these web sites, our affiliates have agreed to adhere to our privacy policy and they have agreed not to share personal information with any third party without your permission.

User Information Accuracy

Questions regarding our privacy policy, the accuracy of your personal information or the use of the information collected should be directed via e-mail to webmaster@marshmma.com or you can reach us by telephone at 800-321-4696. You can also write us at:

Marsh & McLennan Agency LLC
9171 Towne Centre Drive
Suite 500
San Diego, CA 92122

These privacy policies are effective as of January 1, 2000. We reserve the right to change this policy at any time and will post any changes to this policy as soon as they go into effect.

Use of Materials

The right to download and store or output the materials in our sites is granted for the users' personal use only, and materials may not be reproduced in any edited form. Any other reproduction, transmission, performance, display or editing of these materials by any means mechanical or electronic without the express written permission of us is strictly prohibited. Users wishing to obtain permission to reprint or reproduce any materials appearing on this site may contact us at webmaster@marshmma.com.