Synergy in Action

Privacy Policy

As part of the day to day business operations of ISCTM operated web sites (“Websites”) and all subsequent pages, we receive information regarding our users. Information received by ISCTM depends in part on what you do when you visit these Websites. ISCTM respects the privacy of every individual who visits our Websites. Therefore, we would like to define the types of information we receive and describe how it is maintained in this privacy policy (“Privacy Policy”). This policy refers only to the information collected and maintained from ISCTM.



Browsers of our Websites often visit solely to obtain general information about ISCTM. If you visit our Websites to read or download information, you enter our site as a guest. As a guest, we may collect and store only the following information:

  • The name of the domain from which you access the Internet
  • The date and time you accessed our site
  • The Internet address of the web site from which you linked directly to our site

We use this information to measure the number of visitors to the different sections of our site and to help us make our site more useful to visitors.


Users who currently have an account with ISCTM may access our Websites to access web logs, download or view content, submit questions, etc.. Prior to utilization of these services, ISCTM may ask for personal information to verify appropriate usage. This information may be collected during registration, and an email which may have a PIN number or other distinguishing information may be generated and mailed to your address on file.
Children under the age of 13 are not authorized to access our Websites. Should you have any additional questions, please contact us at

E-Mail (Requests and Submissions)

Please do not send e-mail to us with personal or sensitive information. ISCTM has no way to secure personal or sensitive information sent via e-mail because this information can be accessed by other users on the Internet. If you send us e-mail to ask a question, we will only use the information you provide to answer your request. Personal information will not be provided to a non-affiliated third party without your prior consent, except as permitted by federal and state law. If you have submitted information about yourself through our web site and/or e-mail message and would like for us to delete that information from our records, please send an e-mail to We will make every effort to delete your personal information from our files.

Statistical Data

ISCTM continually strives to enhance the features and services that are offered to our web site visitors. In an effort to determine the effectiveness and functionality of our web site, we monitor aggregated data regarding the use of our web site. For instance, we track the number of visits to a certain page; direct links from other web sites; and frequency of usage for independent services. Questionnaires or surveys, during usage, are sometimes utilized to develop and improve the services offered. Although questionnaires and surveys assist ISCTM in enhancing the services offered through our web site, we understand that not everyone is comfortable participating. Therefore, questionnaires and surveys are never mandatory for our users, and we allow the user to choose not to participate. We may share statistical data with affiliates, brokers, and providers for marketing purposes and the improvement and promotion of our web site services. Although we reserve the right to share this information as indicated above, this statistical data, including questionnaires and surveys, does not contain any personal information that could disclose the user’s identity.

Disclosure of Non-Public Personal Information

We restrict access to nonpublic personal information unless it is needed to complete a transaction that our member has authorized (i.e. claims administration, adjustment and management; detection, investigation or reporting of actual or potential fraud; misrepresentation or criminal activity; quality assurance and improvements; utilization review, actuarial, scientific, medical or public policy research; grievance procedures, audits, etc). Information is shared with entities (i.e. providers and vendors) that assist ISCTM in supplying products and services to our members or that promote products and services on behalf of ISCTM. Information is provided to nonaffiliated third parties as required or allowed by federal and state law. ISCTM maintains physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

We reserve the right to disclose personal information to entities that perform marketing services (i.e. brokers). ISCTM requires each entity to execute a Confidentiality Agreement prior to disclosure. The following information may be shared:

name, address and telephone number;
email address

Retention of Information Collected

Any non-public personal information collected and maintained from these Websites may be retained. When required by federal or state law, there may be some instances in which your information will be retained longer than six years.

Use of Cookies

A “cookie” is a mechanism that permits a Web server to send small pieces of information or text through your browser to be stored on your hard drive. This information or text allows the server to identify frequent visitors and enhance the user’s experience on the Web site.

ISCTM may collect information through the use of cookies in order to enhance navigation of the site, to direct you to appropriate pages, and for session security and timeout purposes. Our cookies are not used to track your activity on any site other than ISCTM nor will they be utilized to send unsolicited e-mail. We do not use clear GIFs or third party cookies, nor do we share information collected through cookies with third parties.

Your browser software can be set to disallow all cookies. Instructions on setting your browser to reject cookies are usually located in the “Help” section of the toolbar, depending on your browser type. If you choose not to accept our cookies, you should still be able to access most of the public areas of our site, although some of the features of interactive sections may be limited, and we will not be able to authenticate you for the non-public secure sections where a logon is required.

Direct Access to Other Sites

ISCTM may from time to time offer links to other separate and individual web sites that offer information, which could be beneficial to our members. Since these links point to web sites independent of ISCTM, they may not follow the same privacy guidelines set forth here. ISCTM assumes no responsibility or control over the acts or privacy policies of the third party web sites to which ISCTM provides direct links. We suggest that you contact the appropriate controlling authorities of these sites or review their privacy policy.


ISCTM provides its members and users the opportunity to ‘‘opt-out’’ of having their information used for purposes not related to the ISCTM Web site when ISCTM requests such information. Users who wish to remove their information collected by the ISCTM Web site can do so by contacting us at ISCTM will not use your information collected by the ISCTM Web site for marketing purposes unless allowed by State and Federal Law.

Correction / Updating Personal Information

If the personally identifiable information of a user of our services changes or a group’s information changes, or if the user or group no longer desires to use the services on this web site, ISCTM will endeavor to provide a way to correct, update or remove that user’s personal data. Personal data that is removed from our systems cannot be removed from backup files stored prior to your request. To correct or update personal information, contact ISCTM at


ISCTM takes precautions to protect its users’ personal non-public information. When users submit sensitive information to ISCTM, the information is protected both online and off-line.
When the registration/login form asks users to enter sensitive information, that information may be encrypted and protected with encryption software, which may be updated from time to time. While on a secure page, such as the login page, the lock icon on the bottom of web browsers such as Netscape Navigator and Microsoft Internet Explorer becomes locked, as opposed to unlocked, or open, when you are just ‘‘surfing’’.

While ISCTM may use SSL encryption to protect sensitive information online, ISCTM protects user-information off-line. Only employees who need the information to perform their jobs are granted access to personally identifiable information.

ISCTM Reserves The Right To Modify Its Privacy Policy

ISCTM reserves the right to change or update this Privacy Policy at any time. Any changes made to our privacy policy will be posted on this site in a manner that is easily identifiable. Please review our privacy policy on a regular basis to review any changes.

Effective February 1, 2005