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Privacy Policy
Our Commitment to You

The Asmark Institute has been providing trusted services and products to its clients since 1990. We greatly appreciate the trust that is placed in us and we will protect that trust by continuing to respect the privacy of all our clients even if our formal client relationship ends.

Our role as a national resource center requires us to handle certain data on behalf of entities that are not clients. All uses of the Asmark Institute website and services, client and non-client are covered by this policy.

At the Asmark Institute, protecting your privacy is a fundamental part of our commitment to you. We take great care in safeguarding the information you entrust with us. Therefore, we want you to know that we take appropriate steps to ensure the confidentiality of this data.

Confidentiality and Security

Access to information is limited to those persons who need to know that information or who must process or handle the information as part of our service to you. The Asmark Institute does not disclose any nonpublic personal or proprietary information about our clients, non-clients or former clients to anyone, except as permitted or required by law. For example, access to information is needed to service your account or provide services and products to you, to resolve questions or inquiries, for internal security or fraud control, or to protect and enforce our rights.

We diligently maintain physical, electronic and procedural safeguards that comply with applicable industry standards to guard your nonpublic personal and proprietary information and to assist us in preventing unauthorized access to that information.

Privacy Online

Privacy, security and service in our online operations are just as critical as in the rest of our business. We therefore employ all of the safeguards described above, along with the following Internet-specific practices.

Our website and servers have security measures in place to protect the loss, misuse and alteration of the information under our control. The Asmark Institute uses a variety of proven protections to maintain the security of your online session. For example, we make extensive use of firewall barriers, encryption techniques and authentication procedures. Your IP address is used to help identify you upon login for security purposes. We use several types of files to receive and deliver content on the website and also save certain information so you don't have to re-enter it each time you visit our site.

When you visit our Internet sites, we may also collect technical and navigational information, such as computer browser type, Internet protocol address, pages visited, and average time spent on our Web sites.

Certain private information is utilized to authenticate your entry and presence on our website. This information is necessary to ensure that login information is not shared or distributed to anyone other than the person registered. It also helps verify and track specific activity by a registrant for the purposes of properly protecting all other persons registered to use our website. Access to the Asmark Institute website is authorized only with valid information.

Client Information We Receive

We receive nonpublic personal information from the following sources:

  • Information we receive from you on applications and other forms;
  • Information we receive from you for the purposes of fulfilling certain regulatory requirements on your behalf; and
  • Information we receive from consumer reporting agencies.
Our Policy About Disclosing Information

We do not disclose nonpublic information we collect about our clients, non-clients or former clients to third parties, except as permitted or required by law. These exceptions are described below. Since this is the Asmark Institute's policy, there is nothing you need to do to request us not to share client information with such third parties.

Discarded Information

It is our policy to act in a responsible manner in the handling, processing and discarding of paperwork that contains personal information or data.

The Asmark Institute utilizes procedures to reasonably identify forms, applications, misprinted paperwork and other forms of paperwork that may contain personal data. We collect discarded information and utilize a contracted service to shred and reasonably destroy any personal information or data.

Routinely, risk management paperwork requirements, such as driver qualification files are shredded in the same manner after being held for three years after the driver's termination date.

Exception for Service Providers

We may disclose certain information on clients, non-clients and former clients, to companies that perform administrative, collection, marketing or other service providers with whom we have joint arrangements or agreements. Examples of such service providers are other risk management organizations, suppliers of technical data, regulatory consultants, services contracted to evaluate data required for regulatory reasons and bulk mailing companies.

Other Exceptions

Other examples of when we disclose information are as follows:

  • In connection with audits or inspections;
  • For fraud, security or risk control;
  • To help complete a requirement or transaction you initiate;
  • To resolve disputes or inquiries you may have about your accounts; With your consent or at your direction, which may be oral, in writing, by telephone, electronic or any other means we recognize;
  • When disclosure is required by law, such as pursuant to court order, subpoena, legal process or government agency examination or investigation, or to protect or enforce our rights;
  • To companies that perform services for us in connection with your accounts;
  • As otherwise necessary to service your account, or as permitted or required by law.
Remember the Risks Whenever You Use The Internet

While we do our best to protect your personal information, we cannot guarantee the security of any information for which you are solely responsible for maintaining the secrecy of any passwords or other account information. In addition other Internet sites or services that may be accessible through our site have separate data and privacy practices independent of us, and therefore we disclaim any responsibility or liability for their policies or actions. Please contact those vendors and others directly if you have any questions about their privacy policies.

Privacy Questions

If you have any questions regarding how the Asmark Institute handles your nonpublic personal or proprietary information, you may telephone us at +1 (270) 926-4600 or write us at: Asmark Institute, 4941 Goetz Drive, Owensboro, Kentucky 42301.