What follows is BLACKWOOD BENEFITS privacy policy, which governs personal information gathered on our Internet site (www.blackwoodbenefits.com) and by any representative of the company in person, by phone, fax or any other written method.

Blackwood Benefits Commitment to Online Security
Physical, electronic and managerial procedures have been employed to safeguard the security and integrity of personal information. BLACKWOOD BENEFITS encrypts information wherever requested. All BLACKWOOD BENEFITS agents and contractors with access to personal information obtained on the BLACKWOOD BENEFITS web site are also bound to adhere to this policy as part of their contract with Blackwood Benefits.

Personal Information that Blackwood Benefits May Collect Online
BLACKWOOD BENEFITS collects personal information online, including names, postal and e-mail addresses, phone and facsimile numbers, billing information and other information. Blackwood Benefits may collect both business and individually personal information from those who apply for programs as plan sponsors or participants, some of which could constitute personal information, as well as personal information from individuals acting solely in their business capacity.

BLACKWOOD BENEFITS does not knowingly collect or maintain any personal information from children under legal age of consent to render such information or sign legally binding contracts. In addition, no part of our site is designed with the purpose of attracting any person under legal age (18).

How BLACKWOOD BENEFITS Uses Personal Information Collected
Unless you otherwise consent, we will use your personal information only for the purpose for which it is submitted, such as to reply to your emails, handle your requests for coverage, assist with plan compliance and administration, and we will use such information to provide operational notices, in program record-keeping and to conduct research in the marketplace. Our research may lead to the publication of sharing of data with our carrier or third party administrator partners but will not result in the publication of any personal information provided to us. At certain points where personal information is collected on our site, there may be a box where you may indicate you would like to be on a mailing list to receive information about other BLACKWOOD BENEFITS programs and services. This election box only appears in places where the department collecting personal information maintains such lists. At any time you can add or remove your name from a BLACKWOOD BENEFITS list by contacting us at info@blackwoodbenefits.com.

How Your Information May Be Shared
In order to process your requests, BLACKWOOD BENEFITS may send information to another appropriate organization for handling. For example, BLACKWOOD BENEFITS normally submits company or participant information to carriers. Depending on the type of information, BLACKWOOD BENEFITS will also transfer the results of such a submittal to you. Further, when we receive a request or inquiry that we must handle, we forward the request or inquiry to the appropriate party either within our firm or to the appropriate party (such as a carrier or third party administrator related to your plan). By completing a form or sending us a request or inquiry, you are allowing us to forward your information to the appropriate party, if necessary, and potentially also to the proper business. Without submission of the requested information, BLACKWOOD BENEFITS may not be able to process your requests.

We never sell or rent your personal information.

BLACKWOOD BENEFITS may also release personal information under the following circumstances:
• Where release is required by law (for example, a subpoena) or regulation or is requested by a government agency;
• Where our records indicate a company may be engaged in fraudulent activity or other deceptive practices that a governmental agency should be made aware of;
• To appropriate persons, where your communication suggests possible harm to others.

Help Us Keep Your Personal Information Accurate
If your personal information changes or you would like to review the personal information we may have on file, please e-mail us with the new information or your review request at info@blackwoodbenefits.com . Let us also know what led to your submission of personal information so we may efficiently locate your information.

Computer Tracking
Our web site is not set up to track, collect or distribute personal information not entered by visitors. Our site logs do not generate certain kinds of non-identifying site usage data, such as the number of hits and visits to our sites. Information your give us is used for internal purposes by support staff to provide services to you and others.