EXCEL BENEFITS, INC.
WEBSITE PRIVACY NOTICE

Excel Benefits, Inc. cares about your privacy and wants you to feel comfortable concerning the
use of information you provide via our site. We urge you to read this notice explaining our online
information practices. By visiting Excel Benefits, Inc. at www.excelbenefits.biz, you are
accepting the practices described in this Privacy Notice.

There are two types of information that we collect:
Personal Information - this is "individually identifiable" information you provide to us.
Aggregate Information - Standard web server/visitor traffic information, regarding overall Web
site traffic patterns. Normally, web servers collect this type of basic information as part of their
web log processes. We do not report on individual user sessions.

How is this information used?

Personal Information

In our on-line forms (For example, individual quoting requests, Risk Assessment Form, or group
census forms) Excel Benefits, Inc. requests individually identifiable information from its users.
This information may include the following: first and last name, street address, city, state, zip
code, telephone number, email address, and subject of inquiry (i.e., quote requests). This
information is necessary for the conduct of our business and is shared with business associates
for the purposes of fulfilling the services requested by you. The information is not sold to third
parties, nor is it provided to persons not involved (no direct business relationship to the services
you are requesting) in this process. Personal information is retained by our company for use in
future contact with you for purposes such as account servicing or notification of the availability of
additional value added services which would benefit you.
Personal health information that is provided by you to our company, such as current or past
health conditions, current treatment for health conditions, etc., is provided to business
associates for the purpose of providing the services you request via our website. For example,
your personal health information may be used for obtaining quotes for health insurance or
during the underwriting process by a health insurance carrier to assist in determining
appropriate monthly premiums for the requested health insurance coverage. Safeguarding of
personal health information is also governed by the Health Insurance Portability and
Accountability Act (HIPAA). Information on this Act may be found at the U. S. Department of
Labor’s website, www.dol.gov.

Aggregate Information

In addition to information provided by our users, Excel Benefits, Inc. uses the normal Internet
tracking tools associated with standard Internet protocols and web-based systems. This system
information is typically stored in log files and is used for aggregate reporting. Aggregate
reporting includes: total number of visitors, most visited sections, peak traffic times, etc.
Log files are simply transaction records that web servers maintain. These log files are used for
recording information, such as: service provider IP addresses, browser versions, referring Web
sites, search terms used, average number of pages requested, average duration of visit, and/or
total visitor traffic.
We use aggregate information gathered from your visit to better design our Web site. This
information supplies us with a broad picture of how people use our Web site and helps us to
manage our system and to better serve our users.

Email

Should you send us your questions, comments, completed forms, quote requests, job inquiries
or account servicing via email to any mail box provided on this website, we will share your
correspondence with those employees or agents most capable of addressing your questions
and concerns. We will retain your communication until we have done our very best to provide
you with a complete and satisfactory response. Ultimately, we will either discard your
communication or, in some cases, archive it. Your email address will not be sold or provided as
part of any list to third parties not directly involved in procuring the services you have requested
via our website.
All information and correspondence you share with us will be handled in the strictest confidence.
Please note that the email facilities on our website are not secure and do not provide the same
level of security as a secure website with a user identification and password controlled access.
For that reason, please do not use our email to communicate information to us that you consider
to be confidential and in need of safeguarding. If you wish, you may contact us via telephone at
the toll-free number that appears on the “Contact Us” section of our website.

Important Information Regarding Links to Other Sites

This Excel Benefits, Inc. web site contains links to other web sites that are not under its control.
Excel Benefits, Inc. is not responsible for the content of any linked Web site, or any link
contained in a linked Web site, or any changes or updates to such Web sites. The inclusion of
any link does not imply endorsement by Excel Benefits, Inc. of that Web site. Our Web site has
many links to other web sites and when you link to any of these sites, you are no longer on our
site and are subject to the privacy policy of the new site.
Excel Benefits, Inc. reserves the right to change this policy at any time. At all times, our privacy
policy will be kept up-to-date and clearly posted on our Web site.

Recommendations or Issues Concerning Our Website

For any recommendations or issues concerning our website contact our webmaster via email at
webmaster@excelbenefits.biz (can be accessed by clicking the link on the bottom of any of our
web pages).