NMB and SBA, Inc. Privacy Philosophy

NMB and SBA, Inc. value your privacy and recognize the sensitivity of your personal information. Our employees share the same concerns. Together, we work towards protecting your privacy. We have carefully crafted our Privacy Policy to assure you that the personal information you provide to us will be treated carefully and appropriately.

Collection and Use of Information

You may be required to provide certain personal information in order to use this NMB Site, its features and other functions of the site. In addition, other information about you will be generated by your use of the site and any participation in a NMB and SBA, Inc. Plan that provides coverage for you. By providing such information and by using the site, you consent to our collection and use of the information, as described in this Privacy Policy.

Several individuals and entities may require access to your personal information in order for you to participate as a member of NMB and SBA, Inc. plans. Some of these individuals and entities may include your employer for purposes of verifying your participation in a NMB and SBA, Inc. plan and in connection with other administrative activities, and certain other administrative service providers who have agreed to provide support services to NMB and SBA, Inc.. These administrative service providers may include entities providing claims processing, reinsurance and third-party administrator functions. While NMB and SBA, Inc. attempt to require that its service providers not further use or disclose your personal information for any purpose other than as described in this Privacy Policy, NMB and SBA, Inc. cannot guarantee their compliance with such restrictions. NMB and SBA, Inc. will otherwise only release your personal information to third parties in the following limited circumstances:

i.  If legally required to do so under a law, regulation, search warrant, subpoena or court order;

ii.  If the rights or property of NMB and SBA, Inc., its service providers or the users of the website are at risk; or

iii.  If the personal safety of users of the website or other members of the public are at risk.

NMB and SBA, Inc. also use your personal information to generate information about you that does not allow you to be identified or contacted ("Aggregated Information"). Aggregated Information shows user activity as a whole rather than on an individual basis. For example, NMB and SBA, Inc. might compile personal information in order to determine the percentage of NMB and SBA, Inc. Members that live in a particular geographic area or who might obtain a particular healthcare service. NMB and SBA, Inc. reserve the right to perform statistical analyses and profiling of user behavior and characteristics in order to measure interest in and use of the various areas of the site and to inform third parties of such information. In some cases, NMB and SBA, Inc. may receive fees for providing this information. NMB and SBA, Inc. will provide only aggregate data from these analyses to third parties; no personal information will be disclosed.

NMB and SBA, Inc. may also use your contact information to contact you regarding various matters, including the status of your membership. You may also be contacted by us or our brokers regarding additional services and features, or requesting your feedback about your experience with NMB and SBA, Inc..

The SBA, Inc. Site may provide you with e-mail capabilities and/or bulletin boards and chat rooms for your use. In the event you voluntarily disclose personal information using such convenience services, that information, along with any substantive information disclosed in your communication or post, can be collected, correlated and used by third parties. This may result in unsolicited messages from third parties. Such activities are beyond the control of NMB and SBA, Inc.. NMB and SBA, Inc. do not monitor or review the contents of any e-mail, bulletin board or chat room.

Security

NMB and SBA, Inc. take every reasonable precaution to protect our users' information. When users submit sensitive information via the website (such as social security number), that information is encrypted during the transmission process. Despite the use of encryption technology to protect your information, you should be aware that no security system is foolproof. While NMB and SBA, Inc. attempt to prevent unauthorized persons from accessing our files or tampering with our website, we cannot guarantee that these efforts will be successful. NMB and SBA, Inc. are not liable for disclosures of user information due to errors in transmission or unauthorized acts of third parties.

We also do everything reasonable to protect member information off-line. NMB and SBA, Inc. take reasonable measures to limit access of personal information in its possession to NMB and SBA, Inc. employees who need the information to perform a specific job or individuals and entities that may require access to this information to provide you with the benefits of NMB and SBA, Inc. membership. Furthermore, all employees are kept up-to-date on our security and privacy practices. Our employees are notified and/or reminded about the importance we place on privacy, and what they can do to ensure that our Members' information is protected. Finally, the servers that we store personal information on are kept in a secure environment, behind a locked door.

Cookies

Like most websites, the NMB Site uses "cookies" to allow you to move more quickly through the NMB. Cookies are small text files a website can use to recognize repeat users and facilitate their ongoing access to and use of the site. Cookies do not collect personal information, but collect information related to the characteristics of your computer, or when and how you reached the NMB Site. Generally, cookies work by assigning a unique number to the user that has no meaning outside the assigning site. NMB cannot control the use of cookies by advertisers or third parties hosting data for NMB. If you do not want information collected through the use of cookies, there is a simple procedure in most browsers that allows you to deny or accept the cookie feature. Please note that cookies may be necessary to enable you to use certain features on the NMB Site.

Links to Other Websites

NMB and SBA, Inc. may provide you with links to the websites of third parties. In the event you choose to access such websites, NMB and SBA, Inc. are not responsible for any actions or policies of such third parties. We recommend that you check the applicable privacy policy of such party before providing personal information to it, as its privacy policy may differ from that of NMB and SBA, Inc..

Correcting Your Information

By following the simple instructions on the NMB Site, you may correct or update any of the information you provide to us at any time by accessing the "Administration" section of the NMB Site or by calling NMB at (888) 812-1522.

Changes in our Privacy Policy

NMB and SBA, Inc. reserve the right, at its discretion, to change, modify, add, or remove portions of this policy at any time. If we change our privacy policy, we will post those changes on this page so that you may become aware of what information we collect, how we use it and under what circumstances we disclose it. You should visit this page from time to time to review the then- current policy because it is binding on you. We may also contact you by e-mail with any changes.

Children's Privacy

The NMB Site is not intended or designed to attract children under the age of 13. We do not collect personal information directly from any person we actually know is a child under the age of 13. However, if a parent learns that a child under the age of 13 has submitted information to our website, the parent should contact us and that information will be deleted.

How to Contact Us

We invite your comments and questions about NMB, your experience with our site and services, and our Privacy Policy. Please contact us at clientservice@nmbplans