Personal information is collected in order to allow agents, policy-holders (including the State of Maryland under a Third-Party Administration contract) and claimants to use IWIF’s e-services to transact business with IWIF, including receiving premium quotes, applying for policies of insurance, requesting Certificates of Insurance, filing First Reports of Injury and paying premiums through credit cards and electronic fund transfers. In addition, we collect personal information from third-parties, including medical providers, to allow IWIF to pay medical claims incurred on behalf of claimants.

(III) Note About Personal Information

"Personal information" is information about an individual that can be used to identify that person (e.g. a natural person as opposed to a corporate entity, including an individual’s name, address, phone number or other identifier). A domain name or Internet protocol address is not considered personal information. Personal information is collected through this website either through an online transaction or if you send an e-mail to IWIF.

(IV) Types of Information Collected By IWIF

(a) Information Collected Automatically When You Visit this Web Site:

1. The Internet protocol address and domain name of your Internet service provider. The Internet protocol address is a numerical identifier assigned either to your Internet service provider or directly to your computer, which can be used to direct Internet traffic to you;
2. The type of browser and operating system you used;
3. The date and time you visited this site;
4. The web pages or services you accessed at this site; and
5. The URL or web site address of the web site you visited prior to coming to this website and from which any web page on this site was linked.
6. If you downloaded a file, the file that was downloaded.
7. Any server error messages you may receive while using our site.

(b) Information That You Provide Voluntarily:

We consider all information that you provide in communicating with us in connection with your use of this website to have been voluntarily provided. Voluntary disclosure of personal information to IWIF constitutes consent to the collection and disclosure of the information by IWIF for the purposes for which you disclosed the information to IWIF. You may choose not to send us e-mail, enter into an online transaction or otherwise communicate with us. Your choice not to participate in these activities will not impact on your ability to obtain policies of insurance or information about such policies from IWIF through other means.

(c) Additional Information Collected When You E-mail This Website:

Your request for information may entail communication by e-mail. If in connection with your communication or request for information you send an e-mail to IWIF, your e-mail address and the contents of your e-mail will be collected. The information collected is not limited to text characters and may include audio, video, and graphic information formats you send us. Your e-mail address and the information contained in your e-mail will be used to respond to you, to address issues you identify, to further improve this website, or to forward your e-mail to an agency that is legally authorized to receive the information.

(V) Use and Disclosure of Personal Information.
CONFIDENTIALITY AND SECURITY

IWIF is strongly committed to protecting personal information collected through this website or otherwise against unauthorized access, use or disclosure. IWIF will use its best efforts to ensure that no unauthorized parties have access to any of your personal information. We restrict access to nonpublic personal information about you to those individuals and entities who need to know that information in order to provide products or services to you. We will use our best efforts to train and oversee employees to ensure that your information will be handled responsibly and in accordance with this Privacy Policy. We currently maintain physical, electronic and procedural safeguards to guard your nonpublic personal information.

Personal information obtained will be disclosed only to those employees and authorized contractors who need access to perform a specific job in connection with their official duties. Employees and contractors who have access to this information are required to follow appropriate procedures in connection with any disclosures of personal information. IWIF has implemented procedures to safeguard the integrity of its information technology assets including authentication, monitoring, auditing and encryption. These security procedures have been integrated into the design, implementation and day-to-day operation of this website as part of our continuing commitment to the security of electronic content as well as the electronic transmission of information. For website security purposes and to maintain the availability of the online transaction process, IWIF employs software to monitor traffic and to identify unauthorized attempts to upload, download, change or damage information on, to or from this website.

Communications with IWIF’s web site containing confidential information require that a “secure session” be established. Such communication between IWIF and its authorized users is encoded using Secure Sockets Layer (SSL) technology utilizing 128 bit encryption.

IWIF considers all personal information to be private and confidential. Any information IWIF collects through our online forms or information that you otherwise provide to us for purposes of conducting e-commerce will only be released to third parties that are authorized entities that are under contract with IWIF to perform business functions on behalf of IWIF. Each such contractor is required to execute a nondisclosure agreement barring the redisclosure of any information obtained from IWIF. We do not sell customer information. All information entered into IWIF’s online e-business applications database is stored in a secure location on IWIF’s internal network and IWIF takes reasonable precautions to prevent access by anyone not authorized.

WHAT WE SHARE

IWIF does NOT sell, lease or otherwise share any non-aggregate personably identifiable data or personal information we have collected with or to any third party companies or individuals.

We may disclose your personal information if required to do so by law or in the good-faith belief that such action is necessary to: (a) conform to the edicts of the law or comply with legal process served on IWIF or its web sites; (b) protect and defend the rights or property of IWIF or (c) act to protect the personal safety of the employees of IWIF and other users of the web site.

Information collected through this website in connection with your visit, communication or requests for information, whether personal or otherwise, may be subject to disclosure in the following manner:

1. Pursuant to law, including the Maryland Public Information Act, the Workers’ Compensation Act, or legal process including a subpoena or court order.
2. Pursuant to law for Federal or State law enforcement purposes.
3. For transmittal to another Maryland State agency, including the Workers’ Compensation Commission, Uninsured Employer’s Fund or other entity as provided by law.
4. For use by persons or entities under written contract with IWIF but only in the course of their authorized activities on behalf of IWIF.
5. For statistical purposes that is in a form that cannot be used to identify any particular person.

COOKIE DISCLOSURE

We may use cookies in order to assist us in providing services to you. A “cookie” is a persistent, client-side text file. Cookies are pieces of information that a web site can transfer to a visitor’s hard drive for record-keeping purposes. Cookies facilitate web surfing by saving visitor preferences and other information. The use of cookies is a wide spread industry practice and many major web sites use cookies. Using a cookie allows record-keeping while you are visiting a web site and saves you the extra effort of entering certain information multiple times in one site.

Most browsers are configured initially to accept and process cookies. You can configure your browser to refuse cookies. We reserve the right to use cookies in connection with your use of the IWIF web site. The IWIF web site may write one or more cookies to your computer while you are browsing IWIF’s web site. The cookie or cookies that the IWIF web site may use stores personally identifiable information such as name, phone number and email address. In certain cases, some information about your IP address, web browser, and computer system are automatically transmitted to IWIF’s web servers as an integral part of the operation of the Internet. Thus, IWIF may automatically collect and track:

· The home server domain names, type of computer, and type of web browsers for visitors to our web site;
· The pages of the web site visitors access; and
· Information on what web sites the visitor has accessed.
We reserve the right to disclose personal data in special cases when we believe that disclosing information is necessary to identify, contact or bring legal action against someone who may be causing injury to or interference with our web site, other users of our web site, anyone else who could be harmed by such activities, or where we are required to do so by court order or applicable law. We reserve the right to disclose personal data when we believe, in good faith, the law requires it.

VI. CHILDREN'S PRIVACY

We believe that protecting the privacy of children is very important and children are not permitted to use this web site. Our web site is not designed to attract individuals under the age of 18. In accordance with the Children's Online Privacy Protection Act (COPPA), we do not collect or store any personal information, even in aggregate, from children under the age of 13.

VII. LINKED SITES

Our web site may contain links to various other web sites. IWIF assumes no responsibility for the content or practices of web sites linked through our web site and such linking should not suggest or imply any affiliation or endorsement by IWIF of the linked web site. Please be aware that we, IWIF, are not responsible for the privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of each and every Web site that collects personally identifiable information. This privacy statement applies solely to information collected by IWIF.

VII. Revisions To This Policy

IWIF reserves the right to revise this policy at any time. Please check this page periodically for changes. The document revision date displayed below will indicate when this policy was last revised. If we decide to change our privacy policy, we will post those changes to this privacy statement, and other places we deem appropriate so our users are always aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it. We will use information in accordance with the privacy policy under which the information was collected.

CONTACT INFORMATION:

Questions about this privacy policy should be directed to:

Donna Wilson, Vice-President, IWIF, 8722 Loch Raven Blvd., Towson Maryland, 21286

Please use this contact information only for legal and privacy policy matters. For all other inquiries, refer to the Contact Us section of our home page. Questions about our products or services should not be directed to this address and will not be replied to.

Revised October 30, 2007