AJF, Inc. policy is to protect the confidentiality of the individually identifiable information that you provide, and to limit access to that information only to those with a need to know. AJF, Inc. may collect your name, address, phone number, email address and other pertinent underwriting information at this site. We will use this information to provide you information you request, to refer you to an agent, to refer you to a third-party service provider or to comply with a legal requirement. When you encounter a screen in this site that asks for information you do not want us to have our use, you should not proceed with that screen.

Security

Our policy is to restrict access to nonpublic personal information about you only to those employees who need to know that information to provide products or services to you. We require the employees with access to your nonpublic personal information, including your social security numbers, to use safeguards against unauthorized access, use and unlawful disclosure. We require our employees to adhere to high standards of ethics and integrity in performing their jobs and conducting business.

Logging

In addition to the information you provide us, we collect information about your activities while you are at our site. While you are logged in our site, we log IP addresses, browser and platform types, domain names, access times, referral data, and your activity while using or reviewing our site. We obtain the information by using cookies.

Cookies

A cookie is a message sent to your browser from a web server that is stored on your computer’s hard drive. The message is sent back to the web server whenever the browser requests a page from that server. Many commercial internet sites use cookies. While acode in the cookie file enables the site to label you as a particular user, it does not identify you by name or address unless you have provided the site with such information or set up preferences in your browser to do so automatically. You may opt out of accepting cookies by changing the settings on your browser. However, rejecting cookies may prevent you from using certain functions and you may have to repeatedly enter information to take advantage of services or promotions. In general, cookies allow us to identify you as a particular user and thus provide you with a more customized service. We may also use cookies to track customer or user requests, inquiries and traffic patterns or to determine audience size and repeated usage. When you visit our website, other parties may collect personally identifiable information about your online activities over time and across different websites. Notwithstanding any other provision, we may work with a third-party partner who may collect information from you, such as your IP address and information about your browser or operating system, and my place or recognize a unique cooking on your browser for the purpose of enabling interest based content or advertising to you. The cookies placed by our third-party partners contain no personally identifiable information. They may contain demographic or other interest based data in a de-identifiable form. The information in these cookies may be linked to data you voluntarily have submitted to us, such as your name, postal address or email which we may share in hashed or encrypted form.

Right to Preserve and Disclose

AJF, Inc. may preserve for any period of time it deems appropriate all information you provide. AJF, Inc. may also disclose information you provide if required to do so by law or in the good faith belief that such preservation or disclosure is reasonably necessary to: (a) complete your transaction (b) comply with legal process (c) enforce this agreement (d) respond to claims that any materials on this site violate your rights or the rights of third parties (e) protect the rights, property, or personal safety of AJF, Inc. its users and/or the public or (f) in the event that all or substantially all of AJF, Inc. assets are acquired by a third party.

Modifications

We reserve the right, at any time, to change or modify our policies on the use of information you provide us, and will post the revised policy on our web site. We, therefore, recommend you review this policy statement each time you may be asked to give us personal information after accessing this site.