This privacy statement explains the procedures followed by Charter Partners USA,Inc. ("CPUSA") in collecting and using information regarding visitors to this Web site and advises you what information might be shared with third parties. The type of information collected will vary depending upon the portions of the site which you visit and, in certain instances, which you voluntarily disclose.

1. COLLECTION OF INFORMATION
Basic Viewing
If you read or download any pages on a CPUSA site, we automatically collect and store:

• the requested Web page,
• the status of the request (whether it was successful or not),
• the date and time you access our site,
• the Internet address of the Web site or the domain name of the computer from which you accessed our site,
• the type and version of the Web browser, and
• the operating system of the computer running the Web browser.

In addition to using this information to send the requested site pages to your computer, we use this information (i) to monitor the performance of our Web server and diagnose system problems and to otherwise administer our system and (ii) to provide collective demographic and user profile data on visitors to our site.

Any usage of on-line chat or newsgroup sessions is considered a public usage and you assume responsibility for any information or content which you submit.

Users Who Register
CPUSA sites include a registration page. This page is optional if you are simply browsing our site. Visitors may complete a registration form to be added to our distribution list(s) to receive CPUSA’s e-mail newsletter and information about CPUSA products and services. We may also contact you for other marketing purposes.
However, in order to access secure pages or to download information, visitors must register.

E-Mail Users
If you send us an e-mail or respond to the Contact Us section, in addition to the general visitor information, we also will record your e-mail address and any other personal information included with your message. We will use this information to respond to your message and may add your address to an e-mail distribution list used to announce new products or to update the status of other products or otherwise contact you for marketing purposes.

2. SHARING INFORMATION
Basic Viewing
For visitors who only read or download pages from a CPUSA site, no individual identifying data is shared outside of CPUSA or its Web service providers. We may disclose collective demographic and user profile data with third parties.

Registered Viewers
Visitors who register may be included in one or more CPUSA member database(s). This data may be shared to third parties such as insurance carriers or related service providers, unless you request that we not do so. (See the Choice/Opt-Out section below.)

E-Mail Users
Parties who send us an e-mail or respond to the Contact Us section may be included in one or more CPUSA member databases. This data may be shared with third parties, unless you request that we not do so. (See the Choice/Opt-Out section below.)

3. CHOICE/OPT-OUT Users who do not wish CPUSA to share member data information with third parties may request that their name not can be done by e-mailing us and to ask that your name be deleted from any such shared lists. Also, CPUSA members who do not wish to receive future communications on CPUSA products or services may e-mail us to have their name deleted from CPUSA members lists. Such changes normally will be effective with list usages beginning 10 business days after we receive your request, although in some cases it may take longer. This will not affect lists used or shared before the changes are entered.

4. LINKS
As a convenience for our users, CPUSA sites may contain links to third party sites. These sites are not under the control of CPUSA and are not covered by CPUSA’s privacy policy. Once you link to another site, you are subject to the privacy policy of that new site. (Check the URL in the location bar on your Web browser.)

5. SECURITY
CPUSA is committed to taking commercially reasonable steps to protect any individual identifying information that you provide to us. Industry standard secure shopping tools are utilized to maintain the security of our site.

6. CHANGES/CORRECTIONS
If you have any questions about the accuracy of information on CPUSA’s system or need to modify any information previously provided, you may contact us to confirm or correct any individual identifying information as follows:

• By e-mail: http://www.charterpartners.com/
• By regular mail:
  Charter Partners
  Hampton, New Jersey 08827
  Attn: Member Service
  
• By telephone: 1-908-713-4717

7. GENERAL CPUSA reserves the right to revise these terms at any time by updating this posting. Even though you may have visited this site before, any access is subject to the then current terms and you are responsible for checking for any updates. However, the prior terms will continue to apply to any information submitted under such policy.