The website at (the "Site") is owned and operated by Rating Dynamics, LLC (hereinafter, "Rating Dynamics" or "we," "our," or "us"). This Privacy Policy describes our privacy commitment to you as a user of Rating Dynamics. We recognize the potential sensitivity of the information that you may place on Rating Dynamics. This Privacy Policy describes how we collect personal information about you when you visit our website, and how Rating Dynamics uses that information.


Certain portions of the website may require you to login with a username and/or password. When you register, you may be asked for personal information such as your name, address, phone number, e-mail address and a password that you select. You are solely responsible for all actions taken with your login information. Login information may not be shared with other users.


If you choose to provide us with personal information by sending us an e-mail, by filling out a form with your personal information and submitting it through our website, or through other means, we use that information to respond to you, to provide products and services, and to help us provide the information that you requested. We may also use your information to provide you with information about products and services of Rating Dynamics or other organizations offering products and services that may be of interest to you. At any time, you may opt-out from such use of your information as described below.


During your visit to our website, please also be aware that if you browse, read pages, or download information, we use cookies and other technology to gather and store certain information about your visit including without limitation, as follows: (i) your Internet domain and your IP address from which you accessed our website; (ii) the type of browser and operating system you are using to access our site; (iii) the date and time you accessed our site; (iv) the pages you visited; and (v) if you linked to Rating Dynamics from another website, the address of that website. The information we collect enables us make our site more useful to our visitors and to offer a more personalized service.


Information you provide to Rating Dynamics may be shared with service providers and affiliates of Rating Dynamics for use solely on behalf of Rating Dynamics and its affiliates in accordance with this Privacy Policy


To prevent unauthorized access or disclosure, maintain data accuracy, and ensure the appropriate use of information, Rating Dynamics implements commercially reasonable physical, electronic, and managerial procedures to safeguard and secure the information Rating Dynamics collects. Rating Dynamics uses encryption when collecting or transferring sensitive personally identifiable information. However, Rating Dynamics does not guarantee that unauthorized third parties will never defeat measures taken to prevent improper use of personally identifiable information.


Our website has links to the websites of our partners and other businesses. Please note that once you leave the Rating Dynamics website and link to another website, you are subject to the privacy policy of the new site.


Visitors to this website may be required to agree to written or electronic agreements, including license agreements, terms of use, and other terms and conditions, as a condition of visiting the website or receiving products, services, and other information from Rating Dynamics. Rating Dynamics includes copyrighted material of Insurance Services Office Inc, with its permission. In the event of any conflict with such other terms and conditions and this Privacy Policy, such other terms and conditions shall prevail.


If we decide to change our privacy policy, we will post those changes on our website so our users are always aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it. If at any point we decide to use personally identifiable information in a manner different from that stated at the time it was collected, we will notify users. Users will have a choice as to whether or not we use their information in this different manner. Unless otherwise agreed by a user, we will use information in accordance with the Privacy Policy under which the information was collected.


Rating Dynamics reserves the right to transfer any information we have about you in the event we sell or transfer all or a portion of our business or assets to a third-party acquirer.


You have the opportunity to opt-out of receiving communications from us and to update your privacy preferences, as follows: (i) send an email to stating your request; or (ii) follow the instructions in any email or other communications you receive.


If you have questions or concerns about this Privacy Policy or our privacy practices, please contact us by writing to us as follows: Rating Dynamics, LLC, P.O. Box 16487, Tallahassee, FL 32317-6487.