Effective date: March 21, 2006

Thank you for visiting, owned and operated by Verisk 3E (“Site”). Verisk 3E respects your privacy and is committed to protecting it. Any personal information that you provide to Verisk 3E either implicitly or explicitly will be used for internal purposes only and will not be shared except as described in this Privacy Statement. Verisk 3E does not share personal information with third parties to use for their own direct marketing purposes.

Our Collection and Use of Your Personal Information

We use the information we collect when you log on and visit different sections of our site to help make our site, products and services more useful to you. The types of information we may collect, retain and use include the following:

1. Site Use Information

Information such as your IP address, Browser type, navigation pattern, cookies, and referring site may be implicitly collected automatically as you use this site. Verisk 3E uses this information, in conjunction with information from other sources, to enhance your experience on our Website and as research for offering services that we think will better meet your needs. We may create compilations of information that is not personally-identifying and provide this data to other companies to help them understand the demographics of our customers. If you do not wish to have such personal information collected, Verisk 3E requests you do not complete any forms on this site that request personal information, and that you refrain from browsing the site.

2. Information You Provide to Us

You may visit portions of this Site without providing any information about yourself and without registering on our Site. If you wish to subscribe to our newsletter or submit a request for additional information about our company we collect information from you (“Personally Identifying Information”). You will be asked to provide, for instance, your first and last name, business affiliation, email address, street address, telephone number, and fax number. We may also ask you to provide other optional information, such as how you heard about us or areas of particular interest. Your Personally Identifying Information is stored on our servers or other databases which are password protected or accessible to a limited number of authorized staff. If you send us an email, we will retain your email address after we send our response.

We may use your Personally Identifying Information to respond to your inquiries, to process transactions requested by you, to contact you in connection with products or services which may be of interest to you, to send you newsletters or additional offers, to allow you to access your information or for other purposes. If we send you offers or information about other companies, we do not share your information with the company providing the offer.

3. Child Privacy

Because of the nature of our business, our products and services are not designed to appeal to minors, and therefore we do not knowingly attempt to solicit or receive any information from children.

Disclosing Information to Third Parties

We do not share, rent or sell Personally Identifying Information to any other company, person or agency. We do not disclose Personally Identifying Information to other companies or persons for commercial or direct marketing purposes.

We may disclose Personally Identifying Information (1) if you request or authorize it; (2) to complete a request or transaction for you; (3) in response to a subpoena, court order or a specific request by a law enforcement agency, or otherwise as required by law; (4) to enforce our Terms of Use or other agreements or to protect our rights, property or safety or the rights, property or safety of our users or others (e.g. to a consumer reporting agency for fraud protection, etc.); (5) if the disclosure is done as a part of a purchase, transfer or sale of our services or our assets (e.g., in the event that substantially all of our assets are acquired by another party, Personally Identifying Information about our Site users may be one of the transferred assets); (6) to our agents, outside vendors or service providers to perform functions on our behalf (e.g., analyzing data, providing marketing or mailing assistance, customer service, etc.); or (7) to others as described in this Privacy Statement.

Inapplicability of Privacy Policies of any Linked Sites or Other Parties

Our Site may have links to other websites. We do not exercise control over any information you give to any other entity, even if that information was provided after linking to the entity requesting the information from our Site. We are not responsible for the privacy practices of any third parties or the content of linked sites, although we do encourage you to read the applicable privacy policies and terms and conditions of such parties or web sites.

Notices and Changes to Our Privacy Policy

As our business changes, this Privacy Statement is expected to change from time to time, and we reserve the right to change the Privacy Statement at any time. The use of your information is subject to the Privacy Statement in effect at the time of use. The provisions contained herein supersede all previous notices or statements regarding our privacy practices with respect to this Site. We include the effective date of our Privacy Statement at the top of the statement. We encourage you to check our Site frequently to see the current Privacy Statement in effect and any changes that may have been made to it. If we make material changes to this Statement we will post the revised Statement and the revised effective date on this Site.

Your Access to Your Information

If you have provided information and wish in the future to update or change your information, or if you wish that we stop using this information, you can email us at and we will update or delete your information or, at your request, remove you from our email distribution list. You may unsubscribe to our newsletter service by clicking “unsubscribe” at the bottom of the newsletter or you can follow the link on the newsletter to update your preferences. Alternatively, you may, at any time, direct us to change your information by submitting corrected information to us by mail at the address below. Please be aware that we will remove your information but that it may take up to 30 days to process your request.

Questions Regarding This Privacy Policy

If you have any questions about our Privacy Policy, or any concern about privacy at Verisk 3E, please contact us at or by mail at Verisk 3E, 3207 Grey Hawk Court, Suite 200, Carlsbad, California 92010.

By using this Site, you are agreeing to the terms and conditions of this Privacy Statement. IF YOU DO NOT AGREE WITH THIS PRIVACY STATEMENT, DO NOT USE THIS SITE. We reserve the right at our discretion to change, modify, add, or remove portions of this Statement at any time.

© Copyright 2006 by 3E Company. All rights reserved.