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Website Privacy Policy

Last updated April 16, 2020
Horizon Actuarial Services, LLC (“Horizon Actuarial” or “we”) and our associates respect your privacy. In this Privacy Policy (“Policy”), we describe the type of data we collect when you access and use this website (“Site”) and through our interactions with you, and how we use, share, and protect that data.

If you are a California resident, additional information applicable to California residents is below in the Section titled “Your California Privacy Rights.”


We collect data: (a) you provide to us, including Personal Information (defined below), and (b) automatically when you visit the Site (collectively, “Collected Data”):
(A) Data You Provide Including Personal Information.  If you elect to provide your name, email, mailing address, phone number, or other information that we can use alone or in combination to identify you or another natural person (“Personal Information”), we collect, use, and share it pursuant to this Policy and applicable law.  WE URGE YOU NOT TO PROVIDE US WITH FINANCIAL INFORMATION WHEN USING THE SITE.  

(B) Data Automatically Collected. We collect certain types of data automatically when you visit our Site, as further set forth below.

IP Addresses, Cookies, & Similar Tracking Technologies

When you use the Site, we and our Site service providers may use technologies such as cookies (i.e., small pieces of data stored on your device’s hard drive by your browser), web beacons, pixel tags, and similar technologies to automatically collect internet protocol addresses assigned to the computers and other devices you use, your internet service provider, device ID number, approximate geographic location, browser type, Site pages visited, websites you access before and after visiting the Site, and data related to how and when you use the Site (e.g., date and time stamps, clickstream data, and data about search terms and websites that direct you to the Site) (collectively all such data, “Automated Data”).  We may combine Automated Data with other data (including Personal Information) and data obtained from third parties. 

Use of Cookies

We may use session, persistent, and flash cookies (local stored objects) on the Site to collect and store data about your preferences and navigation to, from, and on our Site.
Session cookies are used to count visits to certain webpages.  Session cookies are eliminated when you exit your browser.
Your browser may also store persistent cookies on your computer.  When you log in, persistent cookies tell us if you have visited the Site before or if you are a new visitor.
Flash cookies differ from browser cookies regarding the amount and types of data collected and how the data is stored.  Cookie management tools provided by your browser will not remove and cannot manage Flash cookies.  To learn about managing your Flash cookie settings, visit the Flash player settings page on Adobe’s website here.

​Most browsers automatically accept cookies.  You can disable this function, but disabling cookies may impact your use and enjoyment of the Site. 

Do Not Track Requests

Due to the automatic collection of data using cookies, we do not honor “do not track” requests.


We may enable and implement various analytics tools, such as Google Analytics. Google Analytics is an analytics tool provided by Google to collect and process Automated Data consisting of certain telematics about your use of the Site.  Google sets and reads cookies to collect such Automated Data and your web browser will automatically send such Automated Data to Google.  Google uses this data to provide us with reports that we use to improve the Site’s structure and content.
To learn more about how Google uses data, visit Google’s Privacy Policy and Google’s page on “How Google uses data when you use our partners’ sites or apps.”  You may download and install the Google Analytics Opt-out Browser Add-on for each web browser you use.  Using the Google Analytics Opt-out Browser Add-on does not prevent the use of other analytics tools.  To learn more about Google Analytics cookies, visit Google Analytics Cookie Usage on Websites.

Embedded Content

The Site may contain embedded content provided by Horizon Actuarial or third parties, including feeds scripts embedded in the Site’s code and visible content.  Horizon Actuarial and such third parties may collect data about how you interact with such content. 


Horizon Actuarial and its third-party service providers may use Collected Data as described below.  We do not sell or rent Collected Data.

How We Use Data We Collect of Collected for Us by Third-Party Service Providers

We use and share Collected Data for the purpose for which it was collected, for example to:

  • Respond to your requests for information;

  • Notify you of Site changes;

  • Sign you up for events;

  • Process a job application;

  • Send you marketing communications (unless you opt out);

  • Operate and improve our Site;

  • Understand how visitors are using the Site;

  • Develop and improve our business;

  • Enhance the security of the Site;

  • Comply with our legal obligations;

  • Improve our services; and

  • For use with our Customer Relationship Management (“CRM”) system.

Sharing Collected Data

We may share Collected Data with our affiliates, third-party service providers, suppliers, consultants, agents, and other partners (including Site management and hosting, marketing and public relations, and email services) that provide data processing services to us (e.g., to support the delivery of, provide functionality on, or help to enhance the security of the Site or our services) or otherwise process Collected Data for purposes described in this Policy or communicated to you when we collect such data.  The parties described in this paragraph are authorized and may use and disclose Collected Data as needed to provide the applicable services to us and as provided by their own privacy policies.

Aggregate Data

We may use Collected Data to create anonymous aggregate data (“Aggregate Data”).  We may use and share Aggregate Data with our affiliates, third-party service providers, and other third parties to: (1) analyze, develop, and improve the content, products, and services that we make available, (2) inform business strategies, (3) understand the Site’s demographics and user preferences, (4) customize promotional emails and users’ Site experience, and (5) for other lawful purposes.

Security & Protection of Rights

We may use Collected Data and share it with third parties if we believe it is needed to operate the Site or to protect our rights or the rights of others, including sharing data needed to identify, contact, or bring legal action.

Business Transactions

All Collected Data is exclusively our property. If we undergo a change or contemplated change in control, acquisition, merger, or asset sale or if we become the subject of a bankruptcy, liquidation, reorganization, or receivership proceeding, all Collected Data may be transferred, sold, shared, or otherwise shared with potential and actual successors. 

With Your Consent

With your consent, we may use or share Collected Data in ways not specifically described in this Policy.


We use commercially reasonable administrative, technical and organizational measures to help secure Collected Data against loss, misuse, and alteration. While we cannot guarantee the security of Collected Data, we use industry-standard protections to help safeguard against such occurrences.  If a breach of our systems occurs, we will notify you of the breach only if and as required under applicable law.
You understand that no data transmission over the internet or a mobile device can be guaranteed to be 100% secure.  While we strive to protect your Personal Information, we do not guarantee the security of Personal Information and you provide Personal Information at your own risk.

Access from Outside the United States

This Site is operated and maintained by Horizon Actuarial from the United States and is intended solely for a United States audience.  If you access the Site from outside the United States, please be aware that Collected Data will be transferred to, stored in, and processed in the United States.  United States data protection and related laws may not be as comprehensive as those from where you access the Site.

Third-Party Websites

The Site may link to, or be linked to, websites not controlled by us.  We are not responsible for third-parties’ privacy policies or practices.  This Policy does not apply to any third-party websites or to any data that you provide to third parties.  You should read the privacy policy for each website that you visit.

Access & Update Your Personal Information

To access or update your Personal Information as it exists in our records, please contact us using the information below. 


We are committed to protecting children’s privacy.  The Site is not directed at children under 13 years of age.  We do not knowingly collect, use, or share data from children under 13.  If a parent or legal guardian learns their child provided us with Personal Information without his or her consent, please contact us.

Data Retention

We retain Personal Information collected when you use the Site for as long as necessary to fulfill the purpose for which it was collected.  Due to the nature of our business, we may hold Personal Information for extended retention periods as required to operate our business, to comply with our legal and professional standards, to protect our legal rights and for historic purposes. 

Unsubscribe; Opt Out

We may use third-party providers to deliver communications to you.  You may opt out of such emails by using the unsubscribe link in the email or contacting us at with “Unsubscribe” in the subject line.  To opt out of other communications (e.g., postal marketing), please contact us.  Opting out of marketing communications does not opt you out of transactional communications.

Contact Us

Please direct any questions and concerns regarding these Terms to us by email at, by telephone at 678.317.4100.


Subject to certain limitations, if you are a California resident you may make the following requests with regard to your Personal Information.

Shine the Light

You are permitted to request information regarding any Personal Information we disclose to third parties for their direct marketing purposes.  To make such a request, please send an email to

Right to Access

You have a right to request access to the following information: (a) the categories of Personal Information we collected about you in the prior 12-month period, (b) the categories of sources from which the Personal Information was collected, (c) the business or commercial purpose for which we collected your Personal Information, (d) the categories of Personal Information we disclosed in the prior 12-month period, and (e) the categories of third parties with whom we shared your Personal Information. In addition, you have a right to request that we disclose to you the specific pieces of Personal Information that we have collected about you in the prior 12-month period.

Right to Deletion

You have a right to request that we delete Personal Information we collect about you.


You have a right to exercise the above requests and we will not discriminate against you for exercising these rights.

How to Exercise Your Rights

To exercise your rights described in this Policy, you may submit your request to us by contacting us by email at, by telephone at 678.317.4100.

Who May Exercise Your Rights

You may make a request to exercise the above rights on behalf of yourself or on behalf of a child if you are a parent or legal guardian of the child. In addition, you may authorize an agent to exercise your rights on your behalf, if you provide the agent with written permission.  If an authorized agent contacts us to exercise the above rights, we will need to verify their identity as well as your identity.  We will also require proof of your written authorization to the agent, unless the agent have provided us with a Power of Attorney under the California probate laws.

Verification of Your Request

Once we receive your request, we will contact you to confirm receipt of your request.  In addition, we may contact you to provide us with additional information to allow us to verify your identity based on the Personal Information we have in our systems.  In order to verify your request, you must provide sufficient information that allows us to reasonably verify you are the person that is the subject of the Personal Information you have requested.  This information may vary depending on the Personal Information we already have.  Certain types of requests may require additional verification to ensure you are who you say you are.  If you have used an agent to make your request, we will also need to verify the identity of the agent.  Verification of your request may require you, or your agent if applicable, to sign an affidavit verifying identity.  We may deny your request as permitted by law, if we are unable to verify your identity, or if an agent makes the request on your behalf, if we are unable to verify their identity or proof of their authorization.

When We Will Respond

We will confirm receipt of your request within 10 days.  We will try to respond to your request within 45 days.  If we require additional time to respond, we will inform you of the reason and may take an additional 45 days to respond.  Any disclosures we provide will only cover the 12-month period preceding our receipt of your request.  We may charge a fee to process or respond to your request if it is excessive, repetitive, or manifestly unfounded.
Based on the categories required by California law, below are the lists of Personal Information collected, where they are sourced, why they are collected, and if we disclose them, the categories of service providers or other third parties to whom we disclose such Personal Information:


Calif Privacy.png

​Although the categories of information above are collected for the designated purposes, Personal Information may be otherwise used for the purposes set forth in this Policy.

​Based on current California laws, we do not believe that we have sold any Personal Information of an individual under 16 years of age, nor any other Personal Information in the last 12 months. 

Contact Us

Please direct any questions and concerns regarding these Terms to us by email at, by telephone at 678.317.4100.

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