Western Skies MGU is committed to protecting your privacy and developing technology that gives you the most powerful and safe online experience. This Statement of Privacy applies to the Western Skies MGU site and governs data collection and usage. By using the Western Skies MGU site, you consent to the data practices described in this statement.

Collection of your Personal Information

Western Skies MGU collects personally identifiable information, such as your email address, name, home or work address or telephone number. Western Skies MGU also collects anonymous demographic information, which is not unique to you, such as your ZIP code, age, gender, preferences, interests and favorites.

There is also information about your computer hardware and software that is automatically collected by Western Skies MGU. This information can include: your IP address, browser type, domain names, access times and referring website addresses. This information is used by Western Skies MGU for the operation of the service, to maintain quality of the service, and to provide general statistics regarding use of the Western Skies MGU site.

Please keep in mind that if you directly disclose personally identifiable information or personally sensitive data through Western Skies MGU public message boards, this information may be collected and used by others. Note: Western Skies MGU does not read any of your private online communications.

Western Skies MGU encourages you to review the privacy statements of Web sites you choose to link to from Western Skies MGU so that you can understand how those Web sites collect, use and share your information. Western Skies MGU is not responsible for the privacy statements or other content on Web sites outside of the Western Skies MGU and Western Skies MGU family of Web sites.

Use of your Personal Information

Western Skies MGU collects and uses your personal information to operate the Western Skies MGU Web site and deliver the services you have requested. Western Skies MGU also uses your personally identifiable information to inform you of other products or services available from Western Skies MGU and its affiliates. Western Skies MGU may also contact you via surveys to conduct research about your opinion of current services or of potential new services that may be offered.

Western Skies MGU does not sell, rent or lease its customer lists to third parties. Western Skies MGU may, from time to time, contact you on behalf of external business partners about a particular offering that may be of interest to you. In those cases, your unique personally identifiable information (e-mail, name, address, telephone number) is not transferred to the third party. In addition, Western Skies MGU may share data with trusted partners to help us perform statistical analysis, send you email or postal mail, provide customer support, or arrange for deliveries. All such third parties are prohibited from using your personal information except to provide these services to Western Skies MGU, and they are required to maintain the confidentiality of your information.

Western Skies MGU does not use or disclose sensitive personal information, such as race, religion, or political affiliations, without your explicit consent.

Western Skies MGU keeps track of the Web sites and pages our customers visit within Western Skies MGU, in order to determine what Western Skies MGU services are the most popular. This data is used to deliver customized content and advertising within Western Skies MGU to customers whose behavior indicates that they are interested in a particular subject area.

Western Skies MGU Web sites will disclose your personal information, without notice, only if required to do so by law or in the good faith belief that such action is necessary to: (a) conform to the edicts of the law or comply with legal process served on Western Skies MGU or the site; (b) protect and defend the rights or property of Western Skies MGU; and, (c) act under exigent circumstances to protect the personal safety of users of Western Skies MGU, or the public.

Use of Cookies

The Western Skies MGU Web site use "cookies" to help you personalize your online experience. A cookie is a text file that is placed on your hard disk by a Web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you.

One of the primary purposes of cookies is to provide a convenience feature to save you time. The purpose of a cookie is to tell the Web server that you have returned to a specific page. For example, if you personalize Western Skies MGU pages, or register with Western Skies MGU site or services, a cookie helps Western Skies MGU to recall your specific information on subsequent visits. This simplifies the process of recording your personal information, such as billing addresses, shipping addresses, and so on. When you return to the same Western Skies MGU Web site, the information you previously provided can be retrieved, so you can easily use the Western Skies MGU features that you customized.

You have the ability to accept or decline cookies. Most Web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of the Western Skies MGU services or Web sites you visit.

Security of your Personal Information

Western Skies MGU secures your personal information from unauthorized access, use or disclosure. Western Skies MGU secures the personally identifiable information you provide on computer servers in a controlled, secure environment, protected from unauthorized access, use or disclosure. When personal information (such as a credit card number) is transmitted to other Web sites, it is protected through the use of encryption, such as the Secure Socket Layer (SSL) protocol.

Changes to this Statement

Western Skies MGU will occasionally update this Statement of Privacy to reflect company and customer feedback. Western Skies MGU encourages you to periodically review this Statement to be informed of how Western Skies MGU is protecting your information.

Contact Information

Western Skies MGU welcomes your comments regarding this Statement of Privacy. If you believe that Western Skies MGU has not adhered to this Statement, please contact Western Skies MGU at billbay@manhattanlife.com. We will use commercially reasonable efforts to promptly determine and remedy the problem.