The following discloses our information gathering and dissemination practices for this site. The information we receive depends upon your actions when visiting the company's web site.

Information Collected About Your Visit to the Web Site

The company automatically collects and stores the following information about you when you visit our Website:

The date and time the request was received.
Your Internet Protocol (IP) address, or the proxy address of your Internet Service Provider (e.g. AOL, CompuServe and so on).
The name and IP address of the company server that received and logged the request.
The resource on a company server that was accessed as a result of the request, such as the Web page, image and so on.
The query in the request. This field captures any criteria or parameters issued with a query, such as a policyholder name or policy number.
The name and version of your Web browser (e.g. Microsoft Explorer 4.0).
The content of any sent or received "cookie."
The Uniform Resource Locator (URL) that was accessed before the user made a request for the company's Web server. The URL may be an outsider address that is not related to the company's server.
Other status codes and values resulting from the Web server responding to the request received: HTTP status code, Windows NT code, number of bytes sent, number of bytes received, duration (in seconds) to fulfill the request, server port number addressed, and protocol version.

Some parts of the company's Website may use a "cookie," which is a file placed on your computer hard drive that allows the company Web server to log the page you use in the company's site and to determine if you have visited the site before. The cookie captures no personally identifying information. The company server uses this information to provide certain features during your visit to the Website. You can set your browser to warn you when the placement of a cookie is requested, and decide whether or not to accept it. By rejecting a cookie, some of the features available on the site may not fully function or function properly.

Other than the automatic data collection described above, this site collects no personally identifying information. The sole exception is when you knowingly and voluntarily provide information, such as when you fill in your name, address, and loan number (or other information) on an e-mail form.

The company uses the information it collects for internal system administrative purposes to measure the volume of requests for specific Website pages, and to continually improve the company's internet site to be responsive to the needs of the users. Your choice to use the company's Website or to send electronic mail to the company will be considered your consent for the company to use the information collected therefrom as stated in this notice.

Information Collected From You

You may decide to send information, including personally identifying information. The information you supply - whether through a secure Web form, a standard Web form, or by sending an electronic mail message - is maintained by the company for the purpose of processing your request or inquiry. Confidentiality is a top priority and the company is committed to maintaining the highest level of confidentiality with all of the information we receive from our policyholders, including the information received from this Website.

This information is for our internal use to service your query or request, so that we may access your customer information. It is not shared with any third party, unless permitted or required by law.

When you choose to send electronic mail to the company, you are consenting to the company using the information provided therein, including personal identifying information, in accordance with this notice, unless you expressly state in the e-mail your objection to any use(s).

Contacting the Company About this Website

If you are concerned about how information about you may have used in connection with this Website or you have questions about the company's privacy policy and information practices, you should contact:

M. H. Ross Travel Insurance Services
16933 Parthenia Street, Suite 200
Northidge, CA 91343

Note: Electronic mail sent over the Internet is not necessarily secure. You should be very cautious when sending electronic mail that contains sensitive and confidential personal information. As an alternative, you should give consideration to sending it by U.S. postal service.