This Privacy Policy discloses the information privacy practices for the website you are currently visiting. This privacy statement describes how we collect, use, protect, and store the information you provide to us. This statement is available on our homepage and at all points on our web site where personally identifiable information is requested.

Throughout the policy, we refer to information that can identify you as a specific individual, such as your name, phone number, email address, Social Security number or credit card number, as "personal information." Further, personal information includes any information involving your health or medical history.

1. We do not sell, trade or give away your personal information to anyone.
2. We do not disclose your personal information to third parties, unless one of the following limited exceptions applies
   • Insurance Companies and Licensed Agents. If you submit an application for an insurance product offered by us, then we will disclose your personal information to your chosen insurance company to process your application. If you submit an application for an insurance product offered through an insurance agent or agency with whom we have associated, then we may disclose your personal information to that agent or agency to process your requested quote or application. Please be assured that the agent or agency is only allowed to use your personal information to process your requested quote or application and is contractually obligated to maintain strict confidentiality.
   • Service Providers. We may disclose your personal information to other companies that help us process or service your insurance application or correspond with you. For example, we may provide your personal information to a service provider to verify the validity or credit limit of your credit card. Please be assured that the companies we hire to process or service your insurance application or correspond with you are not allowed to use your personal information for their own purposes and are contractually obligated to maintain strict confidentiality.
   • Legal Obligations. We may disclose or report your personal information when we believe, in good faith, that the disclosure is required or permitted under law, for example, to cooperate with regulators or law enforcement authorities or to resolve consumer disputes.
3. We collect personal information in the normal course of business in order to process your insurance application and to serve you better.
   • Providing you with a quote or processing your application. We may use your personal information to get in touch with you when necessary to process your application or to provide you with a quote. For example, emails may be sent to you throughout the application process to inform you of the status of your application and to seek additional information that is requested as part of the application.
   • Customer satisfaction and other products. We may contact you to survey your satisfaction of our service and/or to inform you of additional products and services offered by us. You may opt out of receiving these additional communications from us.
4. We gather anonymous information about you for our internal purposes, and we may share this anonymous information with third parties.
5. • Anonymous information is any information that does not personally identify you, including aggregate demographic information such as the number of visitors to our website from a particular state.
   • We use anonymous information primarily for marketing purposes and to improve the services we offer you.
   • We may use "Cookies," "Internet Protocol" addresses or other numeric codes to gather anonymous information. For a more detailed discussion on cookies, please see below.
6. We continue to evaluate our efforts to protect your personal information and make every effort to keep your personal information accurate and up to date.
   • If you want to correct or update your contact information, you may contact us by email at contactus@capstone1.com or by mail at Capstone Brokerage, Inc., 2675 S Jones Blvd. Ste 102, Las Vegas, NV 89146.
7. We are available to answer any questions you may have about our privacy policy or our information privacy practices.
   • If you have any questions, please email us at contactus@capstone1.com.
8. This privacy policy applies to this capstonebrokerage.com website, and may not apply to other websites that are owned and/or operated by Capstone Brokerage, Inc.
   • The information privacy practices described in this privacy policy apply only to applications initiated on this website. Accordingly, all of the personal information you submit to us after initiating an application on this website shall be governed by this privacy policy. Additionally, all of the anonymous information collected from this website shall be governed by this privacy policy.

Cookies

Cookies are small files that are stored by your web browser to help a particular system recognize you and the pages you visited in a website. Our website uses cookies to make your online experience more convenient. For example, we may use a cookie to store your account information between sessions and to maintain information about the quotes you've requested during your session. Additionally, we may use data from cookies for a variety of internal purposes, such as studying how users navigate our website. We do not collect any personal information from cookies. Further, no other information we collect from cookies can be linked back to your personal information. Most browsers automatically accept cookies, but if you prefer, you can set yours to refuse cookies. Even without a cookie, you can still use most of the features on our website, including obtaining quotes and applying for an insurance policy.

Links to Other Websites

Our website contains links to other websites. Please note that when you click on one of these links you are "clicking" to another website. Capstone Brokerage, Inc. is not responsible for the information privacy practices or the content of such websites. We encourage you to read the privacy policies of these linked websites as their information privacy practices may differ from ours.

Updated: October 19, 2005.