PRIVACY & CONFIDENTIALITY POLICY 
                  PaulBalep 
                    is committed to protecting the privacy and confidentiality 
                    rights of our clients. We know that the privacy of your personal 
                    information is important to you. That's why the PaulBalep's 
                    Affiliates of Companies* wants you to know how we protect 
                    your privacy and the measures we take to safeguard your information. 
                  We 
                    have built our business on a foundation of integrity, honesty, 
                    and trust. These values are reflected in our longstanding 
                    commitment to protect your privacy. Whenever you do supply 
                    personal information, such as your name, address, telephone 
                    number, age, or e-mail address, it is kept secure and used 
                    solely to answer your inquiry, comply with your request, or 
                    supply you with information about new products and services 
                    to help you meet your needs. 
                     
                    To meet our clients'  needs with insurance and financial 
                    products and services, we depend on certain information. In 
                    gathering and maintaining this information, we pledge to 
                     
                      - Collect only the information we need to deliver 
                        superior products and services to you. 
                        - Prevent unauthorized access to your information. 
                        - Refuse to disclose your health information to third parties 
                        for marketing purposes without your consent. 
                        - Require companies that help us service your account to protect 
                        your information in accordance with strict privacy standards. 
                        - Maintain control over the confidentiality of your personal 
                        information and give you a choice with regard to having your 
                        information shared with other companies for marketing purposes. 
                        - Maintain up-to-date privacy notices on our Web sites. 
   
                    * 
                          "we," "our," or "us" throughout 
                          this notice currently includes partners companies. Visit the 
                          Home Pages of companies PaulBalep represents. 
                            
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