PROPRIETARY RIGHTS

This Internet site is owned by Acacia Pacific Holdings, Inc. and its subsidiary company, American All Risk Benefits Insurance Services.  APH and AARBIS maintain this site as a service to its producers and policyholders. The images, design of, and information contained within this site are owned or licensed by APH and AARBIS and protected by copyright, trademark and other proprietary rights. APH and AARBIS own a copyright in the selection, arrangement and design of the entire contents of this Internet site, as well as in the original contents herein. APH and AARBIS and the services referenced herein are either service marks or registered service marks of APH and its group of companies. Other product and company names mentioned herein may be the trademarks, trade names or service marks of their respective owners. One copy of the contents may be viewed and downloaded for your own use. The contents may not be modified and may not be otherwise used, i.e., copied, stored electronically, licensed, transmitted, broadcast, published, or distributed in whole or in part in any manner without the prior written consent of Acacia Pacific Holdings, Inc. and/or AARBIS.

DISCLAIMER

APH and AARBIS will use every reasonable effort to include accurate and up-to-date information regarding products and services offered on this website. The products have been designed and created by the AIG Companies / National Union Fire Insurance Company. Consequently, APH and AARBIS make no warranties or representations as to the accuracy, reliability and completeness of its marketing statements.  APH and AARBIS shall not be liable for damages of any kind arising out of your access of, or inability to access, this site or your reliance on the general information on this site. The products and services descriptions included are for the sole purpose of providing a general reference tool concerning the nature and type of products and services available through APH and AARBIS. Though every effort has been made to be accurate and reliable, the descriptions of products in this web site provide a broad overview only. All products and services are subject to conditions, limitations and exclusions as contained in the policy or contract. These conditions, limitations and exclusions may not be listed on the web site and you must see the product or service itself for an exact description. If the reader has any questions whatsoever reference any statement made on this website, the reader should address the question to the AARBIS Corporate email address. APH and AARBIS also disclaim all liability for any computer viruses that are loaded into users' computers when they download documents or applications from this site. Any communications you send to this site, OTHER THAN THROUGH A PRODUCER PORTAL, are on a non-confidential basis. APH and AARBIS do not utilize unsolicited ideas for products or services. Please do not send any e-mail or in any other way communicate ideas for new products and services. By continuing to access this web site, and by submitting e-mail to us, you agree that you shall have no recourse against any of our companies for any alleged or actual infringement or misappropriation of any proprietary rights in your communication to us.


Hyperlinks

Clicking on certain links within this site will allow you to leave the APH / AARBIS web site. The linked sites are not under the control of APH and/or AARBIS and we are not responsible for the contents of any linked site or any link contained in a linked site. APH and AARBIS are providing these links to you only as a convenience, and inclusion of any link does not imply endorsement by APH and AARBIS of the site. APH and AARBIS believe that these linked sites are publicly accessible over the Internet and that access to them is legally permissible, but if access to any site is restricted, APH and/or AARBIS will remove the linked site upon an appropriate written request.

Update of Legal Information

APH and AARBIS reserve the right to change the information referred to in this site and to change this legal statement at any time.


Privacy / Confidentiality

Any information submitted as part of a quote request form (whether electronic submission, e-mail, telephone, facsimile or regular mail) will be retained for the exclusive use of AIG / National Union Fire Insurance Company and/or Acacia Pacific Holdings, Inc. / American All Risk Benefits Insurance Services, Inc. We treat all information that is in whole or in part related to the quote submission as strictly confidential. We do not and will not release this information except amongst the insurance entities required to deal with the submission or with a claim specific to that quote submission. Under no circumstances do we sell, trade, lease or rent any such information. Should you elect to make a quote submission through the PRODUCER PORTAL, each portal is User Name and Password protected and the installed firewalls prevent the sharing of such confidential information with other producers or companies.

AIG Domestic Accident & Health Division Privacy Notice

Administrative Offices 600 King Street, Wilmington, DE 19801


Our customers’ Privacy Is Important to Us

We are committed to providing individuals covered by our accident and health insurance policies (our “Customers”) with top-notch products backed by top-quality customer service. While information is fundamental to our ability to do this, we recognize the great importance of keeping our Customers’ non-public personal information secure. Accordingly, we, the Domestic Accident & Health Division of the AIG Companies^SM listed below, have established practices and procedures with respect to the collection and sharing of our current and former Customers’ financial and health information (“Customer Information”).


Information Collection

We may collect information about our Customers from enrollment forms, applications, transactions, and other interactions with us or our affiliates, as well as from credit reporting agencies and other third parties. We will collect and disclose this information only in accordance with applicable laws or regulations or in response to our Customer’s request for a product or service from us. The information we gather helps us identify who our Customers are, manage our relationship with them, and develop products and services that meet their needs.


Information Sharing

We may share Customer Information with third parties under the following circumstances:

1. Affiliates: We may share Customer Information with our affiliates. These affiliates may include providers of financial services such as other insurance companies, banks, securities broker-dealers, and insurance agents and agencies. They may also include affiliated non-financial entities such as marketing companies, e-commerce service providers, and companies providing administrative services.
   
   We will not share our Customer’s non-public personal financial information with our affiliates, other than transaction or experience-related information, without first providing our Customer an opportunity to direct that such information not be shared. Furthermore, we will not share our Customer’s non-public personal health information with affiliates except as directed or authorized by our Customer.
   
2. Non-Affiliates: We may also share Customer Information with non-affiliated companies for administrative purposes, the purposes of risk management, underwriting, to detect and prevent fraud, as directed or authorized by our Customer, or as otherwise permitted or required by law.

From time to time, we may also enter into joint marketing and/or service agreements to share Customer non-public personal financial information with non-affiliated third parties as permitted by law. These third parties may include providers of financial products or services such as insurance companies, financial institutions, and securities firms. The types of information we may share in these circumstances include identifying information (e.g., name or address), application information (e.g., income or assets), transactional information (e.g., premium history), and/or information received from a consumer reporting agency (e.g., credit history). Because we do not share Customer Information in any other way, there is no need for an opt-out process in our privacy procedures.


Information Protection

We maintain physical, electronic, and procedural safeguards designed to protect Customer Information and permit only authorized insurance agents, administrators, and employees who are trained in the proper handling of Customer Information, to have access to that information.

We expect any non-affiliated third party that serves our Customers on our behalf to adhere to our privacy policy. Those third parties are legally bound to use our Customers’ Information only for the purposes for which it was provided, and to not disclose it or use it in any way. These third parties are also subject to and governed by federal and state privacy laws and regulations, and we are not responsible for their misuse of information.

To help prevent unwarranted disclosure of your non-public personal information and secure it from theft, we utilize secure computer networks and restrict access to non-public personal information about you to those employees who need to know that information to provide products or services to you.


Maintaining Accurate Information

We also maintain procedures to ensure that the information we collect is accurate, up-to-date, and as complete as possible. If you believe the information we have about you in our records or files is incomplete or inaccurate, you may request that we make additions or corrections, or if it is feasible, that we delete this information from our files. You may make this request in writing to (include your name, address and policy number):

Chief Privacy Officer
AIG - Domestic Brokerage Group
175 Water Street, 3rd Floor
New York, NY 10038
E-Mail: DBG.Privacy@AIG.com

AIG Domestic Accident & Health Division

HIPAA Privacy Notice
Administrative Offices
600 King Street, Wilmington, DE 19801

THIS NOTICE DESCRIBES HOW MEDICAL INFORMATION ABOUT YOU MAY BE USED AND DISCLOSED AND HOW YOU CAN GET ACCESS TO THIS INFORMATION.

PLEASE REVIEW IT CAREFULLY.

By law, the Domestic Accident & Health Division of the American International Companies® listed below is required to maintain the privacy of protected health information and to provide you with notice of our legal duties and privacy practices with respect to protected health information.  "Protected health information" includes any identifiable information that we obtain from you or others that relate to your physical or mental health, the health care you have received, or payment for your health care.

With respect to protected health information, you have the following rights: 

1.	The right to request restrictions on certain uses and disclosures of protected health information including the uses and disclosures listed in this notice and permitted disclosures. However, we are not required to agree to a requested restriction;
2.	The right to reasonably request to receive confidential communications of protected health information by alternative means or at alternative locations;
3.	The right to inspect and copy your protected health information in our records, except for:

• psychotherapy notes;
• information compiled in reasonable anticipation of, or for use in, a civil, criminal, or administrative action or proceeding;
• protected health information that is subject to a law prohibiting access to that information; or
• if the protected health information was obtained from someone other than us under a promise of confidentiality and the access requested would be reasonably likely to reveal the source of the information.
  
  We may also deny your request to inspect and copy your protected health information if:
  
  • a licensed health care professional has determined that the access requested is reasonably likely to endanger your life or physical safety or the life or physical safety of another person;
    
  • the protected health information makes reference to another person and a health care professional has determined that the access requested is reasonably likely to cause substantial harm to such other person; or
    
  • a licensed health care professional has determined that the access requested by your personal representative is reasonably likely to cause substantial harm to you or another person.
    

	If we deny access on one of the above three grounds, you have the right to have the denial reviewed in accordance with applicable law;
4.	The right to amend your protected health information contained in our records. However, if the information was not created by us, is not part of your medical or billing records, is not available for inspection, or the information is accurate and complete, we are not required to amend the information;
5.	The right to receive an accounting of disclosures of protected health information made by us in the six years prior to the date on which the accounting is requested, except for disclosures:

• to carry out payment and health care operations as provided below;
  
• for notification purposes, as provided by law;
  
• for national security or intelligence purposes, as provided by law;
  
• to correctional institutions or law enforcement officials, as provided by law; or
  
• that occurred prior to April 14, 2003; and

6.	The right to obtain a paper copy of this notice upon request if you are viewing this notice electronically.

Uses and Disclosures of Protected Health Information

Under Federal law, we are permitted to use and disclose protected health information for the purposes of treatment, payment, and health care operations.

• Treatment.  We do not provide treatment.
  
• Payment.  Payment refers to activities involving collection of premium and payment      of claims. Examples of uses and disclosures under this section include (1) sharing      protected health information with other insurers to determine coordination of      benefits, the administration of claims, determining coverage, and providing benefits;      and (2) sharing protected health information with third party administrators for the      processing of claims.
  
• Operations.  Operations refer to the business functions necessary for us to operate, such as quality assurance activities, audits, and complaint responses.  Examples of uses and disclosures under this section include (1) using protected health information to for the purpose of underwriting and calculating premium rates, (2) using protected health information to perform legal, actuarial, and auditing services, (3) disclosing protected health information when responding to complaints, and (4) use of protected health information for general data analysis and long term management and planning.
  
  We may also use or disclose your protected health information for other purposes permitted or required by law, including the following:
• to you, as the covered individual;
• to a personal representative designated by you to receive protected health information or a personal representative designated by law such as the parent or legal guardian of child, or the surviving family members or representative of the estate of a deceased individual;
  
• to the Secretary of Health and Human Services, or any employee thereof, as part of an investigation to determine our compliance with the HIPAA Privacy Rules;
  
• to a business associate as part of a contracted agreement to perform services for the group health plan;
  
• to a health oversight agency, such as the Insurance Commissioner's Office, to respond to inquiries or investigations of the plan, requests to audit the plan, or to obtain necessary licenses;
  
• in response to a court order, subpoena, discovery request or other lawful judicial or administrative proceeding;
  
• as required for law enforcement purposes;
  
• as required to comply with Workers' Compensation or other similar programs established by law.

The examples of permitted uses and disclosures listed above are not provided as an all inclusive list of the ways in which protected health information may be used. They are provided to describe in general the types of uses and disclosures that may be made.

Other uses and disclosures of your protected health information may be made only with your written authorization unless otherwise permitted or required by law. You may revoke such authorization at any time by providing written notice to us that you wish to revoke an authorization. We will honor a request to revoke as of the day it is received and to the extent that we have not already used or disclosed your protected health information in good faith with the authorization.

Complaints Regarding Your Privacy Rights

If you believe your privacy rights have been violated, you may complain to the Secretary of Health and Human Services or you may file a complaint with us. Address your complaint to HIPAA Privacy Officer, 600 King Street, 8th Floor, Wilmington, DE 19801. You will not be retaliated against by us for filing a complaint.

Contact Us

For further information regarding any matter covered by this notice, contact HIPAA Privacy Officer, Administrative Offices, 600 King Street, 8th Floor, Wilmington, DE 19801 or at 1-866-244-4786.

Effective Date

This notice becomes effective on April 14, 2003.