Chappell, Smith & Associates, Inc.
shoneysinsurance.com Privacy Policy

Chappell, Smith & Associates, Inc. (hereinafter "Chappell Smith") takes the protection of online consumer privacy seriously. In addition to protecting consumers, we believe that greater protection of personal privacy on the Internet will increase consumer confidence and encourage consumer participation in online activities. Our intent is to give you as much control over your personal information as possible.

This policy covers how Chappell Smith treats information that this Web site collects and receives. By accessing this site, you indicate acknowledgement and acceptance of this Privacy Policy and our Terms & Conditions.

Our site may contain links to other Web sites, including Web sites directed to children. We have no control over the privacy practices or the content of any of our business partners, advertisers, sponsors, or other sites to which we may provide links from our sites. You should check the applicable privacy policy of the Web site sponsor when linking to other Web sites.

Information We Collect
We may request that you voluntarily supply us with personal information, including your name, your postal address, your company's name and address, your e-mail address, sales and payroll information, federal employer ID number, phone numbers, questions, comments, feedback, and other information that may not otherwise be publicly available for purposes such as our Application Questionnaire, our Question and Answer Form, and other correspondence. If you choose to give us personal information via the Internet that we or our business partners need to correspond with you, it is our intent to let you know how we will use such information.

Use of Your Information
We will use information you voluntarily provide in our Application Questionnaire and our Question and Answer Form to contact you and to provide you with information about the Shoney's® Franchisee Insurance Program(s). We may also use your information to perform statistical analyses of aggregate user behavior. This allows us to measure relative consumer interest in the various types of content provided by our Web site for product development purposes. We may use information we collect to improve our Web site, to enhance users' experiences when visiting our site, to customize the advertising and content that you see, to provide the services required by an individual user, and to conduct research. We do not use personal identifying information for any reason that is not disclosed either in this Policy or at the time the information is requested. We never send e-mail to you unless you request a particular service, or consent to being contacted by e-mail. There are instances where you may have the opportunity to subscribe to an e-mail list that will send information about the site or our advertisers to your e-mail address, but this will be done only with your permission and consent.

Unsolicited Material
While we welcome your comments and feedback regarding this Web site, we are under no obligation to respond to all pieces of correspondence received through this Web site, to maintain your submitted comments in confidence, or to pay compensation of any kind for your comments or submissions. All unsolicited comments, feedback, ideas, suggestions, and other submissions that are disclosed or submitted to us through this Web site shall become and remain the property of Chappell Smith. Any such submission by you is a declaration of the full release of all proprietary claims and/or intellectual rights regarding your submission.

Information Sharing and Disclosure
Chappell Smith does not rent, sell, or share personal information about you with other people or nonaffiliated companies except to provide products or services you've requested, when we have your permission, or under the following circumstances:

•  We provide the information to trusted partners who work on behalf of or with us under confidentiality agreements. These companies may use your personal information to communicate offers and other information with you. However, these companies do not have any independent right to rent, sell, or share your personal information.

•  We provide the information in response to subpoenas, court orders, or legal process, or to establish or exercise our legal rights or defend against legal claims.

•  We believe it is necessary to share information in order to investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, violations of Chappell Smith 's Terms and Conditions, or as otherwise required by law.

•  We transfer information about you if Chappell Smith is acquired by or merged with another company. In this event, Chappell Smith will notify you before information about you is transferred and becomes subject to a different privacy policy.

Use of Cookies
Our site may utilize a standard technology called a "cookie" to collect information about how our site is used. A cookie is a data file that is designed to help a Web site recognize a user's browser as a previous visitor, to determine which browser or platform the user may have, and thus save and remember any preferences that may have been set while the user was browsing the site. A cookie cannot obtain your e-mail address, retrieve data from your hard drive, or transmit a computer virus. We only use "cookies" to gather the information indicated in this policy and do not use cookies to gather personal identifying information about you without your consent.

Compliance with COPPA
We recognize the particular importance of protecting the online privacy of children. Our Web site is not directed to children under the age of 13, and we do not knowingly collect personally identifiable information from children under the age of 13. However, we are committed to protecting children's privacy on the Internet. If we discover that a child has provided our Web site with personally identifiable information, we will immediately delete the information about the child from our files.

Security of Information
We use our best efforts to ensure the security of personal information submitted by users. When we collect information from our users, it is stored in an area where the general public does not have access to it. However, we disclaim liability for all accidental breaches by third parties, and we are not liable for any errors in transmission.

Changes to this Privacy Policy
Chappell Smith may update this policy at any time. We will notify you about significant changes in the way we treat personal information by sending a notice to the primary e-mail address specified in your Chappell Smith account or by placing a prominent notice on our site.

Questions or Suggestions about our Privacy Policy
Questions or suggestions regarding our privacy policy, the accuracy of your personal information or the use of the information collected should be directed via e-mail to: tlee@chappellsmith.com. You may also contact us at:

These privacy policies are effective as of April 18, 2005. We reserve the right to change this policy at any time, and will post any changes to this policy as soon as they go into effect.

© 2005 Chappell, Smith & Associates, Inc.