Privacy Policy

This privacy statement is applicable to www.ppmrrg.com.

Preferred Physicians Medical Risk Retention Group (PPM) does not collect personally identifiable information about individuals except when such individuals specifically provide such information on a voluntary basis. For example, such personally identifiable information may be gathered from a request for a quote, suggestions, voting/polling activities and transactional areas. Personally identifiable information on individual users will not be sold or otherwise transferred to unaffiliated parties without the approval of the user at the time of collection. At such points of collection, the user will have the opportunity to indicate whether he or she would like to “opt out” of receiving promotional and/or marketing information about other products, services and offerings from PPM and/or any third parties. Further, notwithstanding any “opt out” of promotional information by the user, PPM reserves the right to contact a subscriber regarding account status, changes to the subscriber agreement and other matters relevant to the underlying service and/or the information collected.

PPM reserves the right to perform statistical analyses of user behavior and characteristics in order to measure interest in and use the various areas of the site and to inform advertisers of such information as well as the number of users that have been exposed to or clicked on their advertising banners. PPM will provide only aggregated data from these analyses to third parties. Also, users should be aware that PPM may sometimes permit third parties to offer subscription and/or registration-based services through a PPM site. PPM is not responsible for any actions or policies of such third parties and users should check the applicable privacy policy of such parties when providing personally identifiable information.

Users also should be aware that non-personal information and data may be automatically collected through the standard operation of PPM’s Internet servers or through the use of “cookies.” Cookies are small text files a web site can use to recognize repeat users, facilitate the user’s ongoing access to and use of the site and allow a site to track usage behavior and compile aggregate data that will allow content improvement s and targeted advertising. Cookies are not programs that come onto a user’s system and damage files. Generally, cookies work by assigning a unique number to the user that has no meaning outside the assigning site. If a user does not want information collected through the use of cookies, there is a simple procedure in most browsers that allows the user to deny or accept the cookie feature; however, users should note that cookies may be necessary to provide the user with certain features available on the PPM sites.

Upon request, PPM will allow any user to “opt out” of further promotional contacts at any time. Additionally upon request, PPM will use reasonable efforts to allow users to update/correct personal information previously submitted which the user states is erroneous to the extent such activities will not compromise privacy or security interests. Also, upon a user’s request, PPM will use commercially reasonable efforts to functionally delete the user and his or her personal information from its database; however, it may be impossible to delete a user’s entry without some residual information because of backups and records of deletions.

The foregoing policies are effective as of March 5, 2002. PPM reserves the right to change this policy at any time by notifying users of the existence of a new privacy statement. This statement and the policies outlined herein are not intended to and do not create any contractual or other legal rights in or on behalf of any party.