Consumer Privacy Policy

Effective Date: 12-1-2006

Vantage appreciates the trust you place in us and we are committed to protecting your nonpublic personal information, personal financial and health information (collectively referred to as the "protected information") that we may receive from you directly or receive from your health care provider or receive from another source that you have authorized to send us your protected information. We at Vantage are concerned about your privacy and assure you that we will do what is required of us to safeguard your protected information.

Vantage's sources of information about you

Vantage collects information a you required both for our business and pursuant to regulatory requirements. Without it, we cannot provide our products and services for you. We will be collecting protected information about you from:

" Applications or other forms (such as name, address, Social Security number, assets and income, employment status and dependent information)
" Your transactions with us or your transactions with others (such as account activity, payment history, and products and services purchased)
" Consumer reporting agencies or insurance support organizations (such as credit relationships, credit history, claims history, and driving record)
" Other individuals, businesses and agencies (such as medical and demographic information)

Cookies

Our web site uses cookies to monitor use of the Site by visitors. The Site may use cookies for two purposes:
1. to carry data about your current session at the Site from one web page to the next.
2. to identify you to the Site.
We collect personal information (for example, name, address, e-mail address) on our web site only when you voluntarily provide it to us. A cookie cannot read data off your hard drive.

Some pages of our Site may not function properly if the cookies are turned off. Cookies are placed on your computer, and accordingly we neither store cookies on our computers nor forward them to any external parties. The information maintained by a cookie is used by Vantage solely to help us manage the Site, improve features of the Site and understand usage patterns.

In the course of ensuring network security and consistent service for all users, Vantage employs software programs to do such things as monitor network traffic, identify unauthorized access or access to nonpublic information, detect computer viruses, and other software that might damage Vantage computers or the network. In the course of such monitoring, these programs may detect such information as e-mail headers, addresses from network packets, and other information. Information from these activities is used only for the purpose of maintaining the security and performance of Vantage's networks and computer systems.

Vantage's use of personal information

The information Vantage gathers is shared within our company to help us maximize the services we can provide to our customers. We will only disclose your protected information as is necessary for us to provide the insurance products and services you expect from us. Vantage does not sell your protected information to third parties, nor does it sell or share customer lists.

We may also disclose all of the information described above to third parties whom we contract for services, such as hosting this Site, sending e-mail messages and making phone calls on our behalf. They may have access to personal information, such as addresses, needed to perform their functions, but are contractually restricted from using it for purposes other than providing services for Vantage.

In addition, we may disclose your protected information to medical care institutions or medical professionals, insurance regulatory authorities, law enforcement or other government authorities, or to affiliated or nonaffiliated third parties as is reasonably necessary to conduct our business or as otherwise permitted by law.

External links

Vantage includes links to other websites. We do not control the privacy of those sites. Once you leave our servers, use of any information you provide is governed by the privacy policy of the operator of the website you are visiting. That policy may differ from ours.

Reviewing your records

You have the right to review the protected information about you relating to any insurance or business product issued by Vantage that we could reasonably locate and retrieve. You may also request that we correct, amend or delete any inaccurate information by writing to us at:

Vantage Business Support & Insurance Services
2200 Powell St., Suite 530
Emeryville, CA 94608

Policy updates

We may update this privacy policy from time to time. When we do so, changes in our privacy policy will be effective immediately. We recommend that you check this privacy policy on a regular basis.

Copyright © 2005 - 2006, Vantage Business Support Services All rights reserved.