Collecting and Using Personal Information
      Welcome to Payne & Associates's website. We appreciate your interest in us. When you visit and navigate our sites and when you communicate with us via our sites, we will not collect personal information about you, unless you provide us that information voluntarily. If you provide personal information to us voluntarily via our websites, we will not sell, license or transmit that information outside of Payne & Associates and those affiliated companies involved in administering or providing services for our health benefits plans, unless required to do so by legal, judicial or governmental proceedings, or unless we do so in accordance with an express authorization you have given us. Also, in some cases, we may disclose information to our contractors or agents for the purpose of enabling them to perform certain functions for us. We will disclose information in compliance with applicable laws and regulations and will require the recipient to protect the information and use it only for the purpose provided.

By "personal information," we mean data that is unique to an individual, such as a name, address, social security number, or telephone number. From time to time, we may request personal information from you at our sites in order to deliver requested materials to you, respond to your questions, or deliver a product or service.

Your E-Mail
      We welcome your comments or questions about our websites and have provided e-mail boxes for that purpose. We will share your comments and questions with our customer service representatives and those employees most capable of addressing your questions and concerns.