Privacy Policy
 Last Updated on Nov. 25, 2006


     >   Introduction
     >   Contact Information
     >   Cookies and Pixel Tags
     >   E-mail
     >   How We Collect and Use Information
     >   Newsletters and Alerts
     >   Notification of Changes
     >   Online Applications and Quote Forms
     >   Third Party Websites

     >   Usage Tracking


Protecting the privacy of information about a current or past client or visitor (a "User") to this website (the "Site"),, is of paramount importance to M. Silver and Associates, Inc. (MS&A). This privacy policy explains data collection and use practices of MS&A as they relate to this Site. It does not apply to data collected through online or offline company sites, or services and products made available through this Site.

Contact Information

If you have any questions or comments regarding this Privacy Policy please direct them, via e-mail to our Webmaster. Our complete contact information is available here.

Cookies and Pixel Tags

A "cookie" is a small text file that is placed on your hard drive by a Web page server. Cookies can not be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you and can be read only by a Web server in the domain that issued the cookie to you.

You have the ability to delete cookie files from your hard drive at any time. However, you should know that cookies may be necessary to provide you with access to much of the content and features of this Site and other sites accessed through this Site. Cookie technology may be used to enable authorized Users to move quickly and securely through access-controlled areas of this Site. Cookie technology also allows registered Users to take advantage of certain useful features on this Site, including "remember my password."

Pixel tags, also called "clear gifs" may be imbedded in a web page and note visits to certain locations within the Site or to gather other non-personal usage information. They may also be used in e-mail communications to verify that you have received and opened a communication from MS&A.


Please note that your e-mail, like most, if not all, non-encrypted Internet e-mail communications, may be accessed and viewed by other internet users, without your knowledge and permission, while in transit to us. To protect your privacy, please do not use e-mail to communicate information to us that you consider confidential. Instead, we recommend that you contact us via non-cellular telephone or other secure method.

How We Collect and Use Information

We collect personal information at several different points on this Site in compliance with applicable laws and ethical business practices, in order to provide information, services and products and to conduct business. We limit the information we collect to that which is necessary for, or related to, these purposes.

We may use or disclose your personal information for the purposes for which it was collected, other purposes that you consent to, or as required or permitted by law. We may share this information with insurers, reinsurers, our agents, our representatives or our service providers.

We will not sell, share or rent your personal information, without your consent, with any outside organization for the purpose of that organization marketing its products or services to you. We maintain appropriate safeguards to protect your information and limit access to it to people who need access to do their jobs.

We will keep your information only as long as needed to satisfy the purposes for which it was collected or as required or permitted by law.

Our goal is to keep our records of your personal information as accurate and up to date as is necessary to fulfill the purposes for which it is used.

We will protect personal information with security safeguards that are appropriate to the sensitivity of the information, in order to protect it from unauthorized access, release or use.

Upon your written request, we will provide you with reasonable access to your personal information and a description of its use or disclosure, as required or permitted by law. You may also verify the accuracy and completeness of your information, and request that it be amended, if appropriate.

Newsletters and Alerts

If you register and receive newsletters or alerts from this Site or a site accessed through this Site, you may be asked for additional information, including, but not limited to, your name, address, e-mail address, telephone number or what you are interested in. Other information may also be necessary, depending on the type of newsletter or alert requested. This information is not provided to any outside third party.

Notification of Changes

This Privacy Policy is effective as of November 25, 2006. MS&A reserves the right to modify or amend this Privacy Policy and the privacy practices on this page without providing prior notice. When we do, we will revise the "last updated" date at the top of this Privacy Policy page. We encourage Users to periodically review this Privacy Policy to stay informed about how we are protecting the information we collect. Your continued use of this Site constitutes your agreement to this privacy statement and any updates to it. This Privacy Policy is not intended to and does not create any contractual or other legal rights in or on behalf of any party.

Online Applications and Quote Forms

This Site contains online applications and quote forms for Users to apply for insurance or to request information on services and products. We collect User's contact information and other information deemed necessary in order to provide quotes for insurance products and services. Also, during the online application process of an insurance policy, we may collect additional information, including, but not limited to, name, address, telephone number, demographic data, credit history, income statements, other insurance products owned, medical history or other factors that affect insurability.

Third Party Websites

For the convenience of our clients and other User's MS&A provides links to third party websites not owned or controlled by MS&A. These websites have their own unique legal terms of use, security features and privacy policies which should be reviewed in detail should you desire to access and use such sites. Accordingly, MS&A is not responsible for and shall not incur any liability in any way for any content, products or services that are contained or provided on or through any third party website. Access to any such other site linked to this Site is at the User's own risk.

Usage Tracking

MS&A tracks and catalogs certain information regarding the use of this Site, including search terms that you enter, pages or documents viewed, click stream while on the Site, traffic information, and databases used. If you are a registered User, this information is stored with your registration information. A unique identification designation is used solely for purposes of enabling this Site or a site accessed through this Site to provide a personalized experience for you. Anonymous or aggregated forms of this data may also be used in order to help us understand areas for future research and to identify future features and functions to develop for this Site.

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