ASR Health Benefits Privacy Statement

ASR Health Benefits (ASR) is a leader in providing benefits administration services throughout Michigan and the upper Midwest.  We recognize privacy and security as being a concern for most individuals accessing the Internet, and we want to make you comfortable with our privacy practices and the security measures we take to protect your personal information.

ASR gathers certain types of information about the users who visit our Website located at www.asrhealthbenefits.comThis statement discloses the privacy guidelines for ASR Websites.  Information submitted solely in a business capacity is not covered by these guidelines.

The following discloses our information gathering and dissemination practices for ASR.  Please review the following statement to understand how the information you provide to ASR will be treated.

Information Collected by ASR

You are free to visit without identifying yourself.  If you would like more information regarding our products and services, you may first be required to register with ASR.  When you register, we may request certain business information, including your name, mailing address, and e-mail address.  This information will enable ASR to contact you regarding our products and services.  It will also provide us with aggregate demographic data that ASR uses to improve the services offered to you and other users.  In addition to registration, ASR may, from time to time, request personal information for purposes such as customer service, network management, surveys, offers of related services, and other exchanges of information.

ASR gathers information about all users collectively, such as what areas users visit most frequently and what services users access most often.  ASR automatically logs IP addresses, session sources, and other data that tracks users' access to as well as other ASR sites.  We analyze these logs in order to understand aggregate user behavior as well as for system performance monitoring.  These logs are analyzed for the overall aggregate trends they reveal about our customers, not for individual user behaviors.

What ASR does with the Information it Collects

The information you supply to ASR will not be given, sold, rented, loaned, or otherwise disclosed to any third parties outside of ASR, except when we have your express permission or under special circumstances, such as when we believe in good faith that disclosure is reasonably necessary to comply with legal process, to enforce the service terms and conditions, or to protect the rights, property, or personal safety of ASR, its customers, or the public.

ASR may use aggregated information to determine the demographics of our users and to distribute statistics and general marketplace information about ASR.  These demographics will always represent aggregate information and will never identify a specific user.  Certain non-personal information regarding users is recorded by the operation of the Internet servers hosting the ASR sites.  ASR may disclose aggregated user statistics in order to describe the service to prospective partners, advertisers, and other third parties, and for other lawful purposes.


A cookie is a small data file that certain Websites send to your Web browser when you visit them.  A cookie file can contain information that allows a Website to track the pages you have visited.  A cookie cannot read data off your hard disk or read cookie files created by other sites.  ASR uses cookies to tell when a user is a repeat visitor and to let us know how the user found the site.  They also allow us to automatically link users to their personalized accounts.  However, ASR does not store personal user information in cookies that we send to your Web browser.  When you create an account, ASR uses a cookie to store a unique, random code.  ASR uses this code to identify you anonymously in our database and to track the pages you visit on our site, which helps us better understand and improve areas of the site that our users find valuable.  ASR also uses this code to enable you to use various services as a member and to visit member-restricted areas of the site without having to log in each time.

If you have set your browser to warn you before accepting cookies, you will receive the warning message with each cookie.  Although some of the services require the use of cookies, you always have the option of disabling cookies via your browser preferences.  However, some of the services, such as those features that allow you to log in to member-restricted areas of the site or to submit a request for a quote, will not work if you have cookies disabled.

Unsolicited Information

ASR does appreciate your feedback and suggestions.  Our goal is to provide all our customers with high-quality products and services.  ASR's ability to freely evaluate and, if appropriate, implement ideas and information improves the online experience for all users.  Therefore, any information, feedback, data, questions, comments, suggestions, or any other material submitted to ASR, whether solicited or unsolicited, regarding its services or Website shall be deemed non-confidential.  By providing any such material, you hereby grant ASR an unrestricted, irrevocable, royalty-free, and perpetual right to freely reproduce, use, disclose, modify, perform, publish, translate, create derivative works from, distribute, and display any such information you send ASR, without limitation, for any and all commercial and non-commercial purposes.  ASR is free to use any ideas, concepts, or techniques contained in this information for any purpose whatsoever including, but not limited to, developing, manufacturing, and marketing products incorporating such ideas, concepts, or techniques.

ASR Privacy Statement Changes

If ASR changes this privacy statement, we will post those changes at so that you will always know what information we gather, how we might use that information, and whether we will disclose it to anyone.  By using ASR's services, you signify your assent to the ASR Privacy Statement.  If you do not agree to this statement, please do not use the ASR Website or its services.  Your continued use of ASR’s services following the posting of changes to these terms will mean you accept those changes.

Contacting ASR Health Benefits

If you have any questions about this privacy statement or this Website, please contact ASR Health Benefits at 618 Kenmoor Ave SE, Ste 200, Grand Rapids, MI  49546.




ASR Health Benefits Terms of Use Policy

ASR Health Benefits (ASR) has created this Privacy Policy statement in order to demonstrate our firm commitment to privacy.  The following discloses our information gathering and dissemination practices for this Website.


Intended Use

ASR provides this Website to you, subject to these Terms of Use.  The Terms of Use may be updated by ASR from time to time without notice to you.  You can review the most current version of the Terms of Use at  This Website and other ASR Websites that are linked to this site or affiliated with this site (collectively "the Site") and all the information, communications, software, scripting, photos, text, video, graphics, music, sounds, images, and other materials and services found on the Site (collectively "Content") are intended for the lawful use of ASR's customers, employees, and members of the general public.  The Site is controlled and operated in whole or in part by ASR, and ASR makes no representation that these materials are appropriate or available for use in other locations.  Those who access the Site from other locations do so at their own risk and are responsible for compliance with applicable local laws.

License Grant

This Terms of Use Policy is a legal Agreement between you and ASR.  The terms of this Agreement govern your use of and access to the ASR Website.  By using this Website, you are agreeing to be bound by this Agreement.  In consideration of your agreement to these terms and for other valuable consideration, ASR grants to you a non-exclusive, non-transferable, limited, terminable license to access and use the ASR Website only in the United States.  ASR reserves all rights not expressly granted in this Agreement.  You acknowledge that ASR reserves the right in its sole discretion to refuse or terminate your access to the Site at any time.

Acceptance of Terms

You acknowledge you have read and agree to be bound by these Terms of Use and to comply with all applicable laws and regulations, including, without limitation, United States export and re-export control laws and regulations regarding the transmission of technical data exported from the United States or the country in which you reside.  You further agree to comply with all local laws, regulations, and rules regarding online conduct and acceptable Content.  You represent you have the legal authority to accept these Terms of Use on behalf of yourself or any party you represent.  IF YOU DO NOT AGREE TO THESE TERMS, PLEASE DO NOT USE THE SITE.

Visitor Tracking

ASR places great importance on visitor privacy and security.  We do not require site registration by visitors to areas of the Site that are not member restricted, and we do not disclose personal information about individual users to any third party without the user's prior knowledge and consent.  ASR reserves the right to perform statistical analyses of user behavior in order to measure consumer interest in the various areas of our Site.  In performance of these analyses, we will disclose information to third parties only in aggregate form and give no individual information.  In addition, we will use the IP addresses of our users to help diagnose problems with our server, to administer our Website, and to gather broad demographic user information.

Aggregate and Statistical Information

Our Website uses Web browser cookie files to maintain a Web browser session, including your possible log-in to restricted areas of the Website.  No personal information is ever stored in a Web browser cookie file.  Our Web servers identify your computer by its IP address, as well as the log-in information you may provide.  We may use this information to help diagnose problems with our servers, to administer our Website, and to gather broad Website use information.

Restrictions on Use of Content

THE UNAUTHORIZED COPYING, DISPLAYING, OR OTHER USE OF ANY CONTENT FROM THIS SITE IS A VIOLATION OF THE LAW.  You acknowledge having been advised by ASR that the Content is protected in the U.S. and internationally by a variety of laws, including, but not limited to, copyright laws and treaty provisions, trademark laws, patent laws, and other proprietary rights laws (collectively "Rights").  In addition to ASR's Rights in individual elements of the Content, ASR or its licensors own a copyright in the selection, coordination, and arrangement of the Content.  You are hereby granted permission to access the Content from the Site, in whole or in part, solely for your personal, non-commercial use of viewing and browsing through the Site or of ordering products or services from the Site.  This permission terminates automatically if you breach any of the Website Terms of Use.  Any use of Content from the Site, including, but not limited to, uploading, downloading, modification, publication, transmission, participation in the transfer or sale of, copying, reproduction, republishing, creation of derivative works from, distribution, performance, display in another Website, reproducing the Site (whether by linking, framing, or any other method), or any other exploitation of any of the Content, in whole or in part, is prohibited without ASR's prior express written consent.

Trademarks and Service Marks

Proprietary logos, service marks, trademarks, slogans, and product designations may be found on this Site.  By making them available on this Site, ASR is not granting you a license to use them in any fashion.  Access to this Site does not confer upon you any license under any of ASR's or any third party's intellectual property rights.

All material contained in this Site is protected by law, including, but not limited to, United States copyright law.  The entire content (including images, text, and look-and-feel attributes) of is copyrighted and all rights are reserved in that regard.  Removing or altering the copyright notice on any material on the Site is prohibited.  ASR owns a copyright in this Site as a collective work or compilation and in the selection, coordination, arrangement, organization, and enhancement of Site content.  Any commercial use of Site content is prohibited without the prior written consent of ASR.  Except as indicated, ASR owns all trademarks, service marks, or other logos featured on the Site.  Use or misuse of these trademarks, service marks, or logos is expressly prohibited and may violate federal and state law.

Some hypertext links in the ASR Website permit you to leave our Website.  The linked Websites are not under the control of ASR, and therefore we are not responsible for the contents of any linked Website.  We are providing these links to you only as a convenience, and the inclusion of any link does not imply any endorsement of the Website by ASR.

ASR Privacy Policy

ASR's collection and use of personally identifiable information about you is subject to our Privacy Policy.  For more information, see our full privacy policy for this Site by clicking the link at the bottom of the ASR Web page.

Site Security Measures

ASR does not sell any personal information gathered at this Site, and only approved ASR staff can view personal information.  Although we receive many e-mail messages from our members, ASR does not sell or otherwise release the names or e-mail addresses of users who access the Site.  Your correspondence with us remains private.

Links to Third-Party Websites

This Site may provide links to other third-party World Wide Websites or resources.  ASR makes no representations whatsoever about any other Website that you may access through this Site.  Because ASR has no control over such sites and resources, you acknowledge and agree that ASR is not responsible for the availability of such external sites or resources and is not responsible or liable for any Content, advertising, products, services, or other materials on or available from such sites or resources.  You are responsible for taking precautions to ensure that whatever you select for your use is free of such items as viruses, worms, trojan horses, and other items of a destructive nature.  References on this Site to any names, marks, products, or services of any third parties or hypertext links to third-party sites or information are provided solely as a convenience to you and do not constitute or imply an endorsement, sponsorship, or recommendation of or affiliation with the third party or its products and services.  ASR makes no representation or warranty as to any third-party Content, products, or services, and you agree that ASR shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such third-party Content, products, or services available on or through any such Site or resource.

Links to other sites are provided for your convenience.  We encourage our readers to check the privacy policies of these Sites before disclosing any personal information.  ASR cannot control the security of any information you choose to voluntarily provide while visiting linked Sites.

No Medical Advice

Nothing contained, expressed, or implied in the Site is intended as, nor shall be construed as, medical advice.  No doctor-patient relationship is established between ASR and you by reason of your use of this Site or under any circumstances whatsoever.  Individual inquiries about medical issues or sensitive or confidential matters should be addressed to appropriate health care professionals.

Corrections or Contacting the Site Administrator

We will note changes to ASR's Privacy Policy on this page.  If you have any questions about this Terms of Use Policy or the practices of this Site, or if you have corrections to the information that you have provided ASR, contact an ASR representative by clicking the Contact Us link at the top of the ASR Web page.

Disclaimer of Warranty

ASR does not warrant or make any representations regarding the availability, use, timeliness, security, validity, accuracy, reliability of, or the results of the use of, or otherwise respecting, the Content of the Site or any other Websites linked to or from the Site.  Any material downloaded or otherwise obtained through the use of the Site is done at your own discretion and risk, and you are solely responsible for any damage to your computer system or loss of data that results from the download of any such material or use of this Site.  The content of the Site is provided "as is" and on an "as available" basis, without warranties of any kind either express or implied.  To the fullest extent possible pursuant to applicable law, ASR disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, non-infringement, or other violation of rights.  Some jurisdictions do not allow the exclusions or limitations on how long an implied warranty lasts, so the above limitations or exclusions may not apply.  No advice or information, whether oral or written, obtained by you from ASR shall be deemed to alter this disclaimer of warranty or to create any warranty.

To the extent permitted by applicable law, the ASR Website is provided on an "as is" basis without express or implied warranty of any kind, including, but not limited to, any implied warranty of merchantability, non-infringement, or fitness for a particular purpose or warranties arising from a course of dealing, trade usage, or trade practice.  ASR does not warrant that the Website will operate uninterrupted, error free, or virus free.  ASR makes no warranties of any kind whatsoever as to the results that you will obtain from relying upon the services provided to you.  You agree that ASR shall not be liable to you or any third party for any losses, damages, or liabilities of any nature whatsoever on account of or associated with the services rendered under this agreement or the use of the Website, unless caused by the gross negligence of ASR.

Limitation of Liability

ASR will not be liable for any damages of any kind arising out of or relating to the use of or the inability to use this Site, its Content, or links, including, but not limited to, damages caused by or related to errors, omissions, interruptions, defects, delay in operation or transmission, computer virus, line failure, and all other direct, indirect, special, incidental, exemplary, or consequential damages even if ASR has been advised of the possibility of such damages.  Some jurisdictions do not allow the exclusion or limitation of incidental or consequential damages, so the above exclusion or limitation may not apply to you.  Notwithstanding the foregoing, ASR's total liability to you for all losses, damages, and causes of action, including, but not limited to, those based on contract, tort, or otherwise arising out of your use of this Site, its Content, or links, shall not exceed the amount you paid to access this Site.

Under no circumstances shall ASR be liable to you or any third party on account of any claim, loss, or damage (whether based upon principles of contract, warranty, misrepresentation, negligence or other tort, breach of any statutory duty, principles of indemnity, the failure of any limited remedy to achieve its essential purpose, or otherwise) or for any special, indirect, reliance, consequential, incidental, or exemplary damages or attorney fees, including, but not limited to, lost profits, lost savings, lost benefits, or lost data, or for any damages or sums paid by you to third parties even if ASR has been advised of the possibility of such damages.


ASR may modify, suspend, withdraw, or discontinue, temporarily or permanently, the Content, in whole or in part, at any time without notice.  You agree that ASR shall not be liable to you or to any third party for any modification, suspension, withdrawal, or discontinuance of the Content.  ASR may at any time revise these Website Terms of Use by updating this posting.  By using the Site, you agree to be bound by any such revisions, and you agree to periodically visit this page to determine the current Website Terms of Use to which you are bound.


You agree that ASR, in its sole discretion, may terminate or restrict your use or access to this Site (or any part thereof) for any reason, including, without limitation, if ASR believes you have violated or acted inconsistently with the letter or spirit of these Terms of Use, or the terms, conditions, or rules of a sweepstakes, contest, or other promotion contained within the Site.

General Information

The Terms of Use constitute the entire agreement between you and ASR and govern your use of the Site, superseding any prior agreements between you and ASR relating to your use of this Site.  If any provision of these Website Terms of Use is held to be invalid by any law, rule, order, or regulation of any government or by the final determination of any state or federal court, such invalidity shall not affect the enforceability of any other provision of the Terms of Use.  The failure of ASR to exercise or enforce any right or provision of the Terms of Use shall not constitute a waiver of such right or provision.  By accessing the Site you agree that the statutes and laws of the United States and the state of Michigan, USA, without regard to conflicts of laws and principles, will apply to all matters relating to use of the Site, and you agree that any litigation shall be subject to the exclusive jurisdiction of the state or federal courts in Michigan, USA.  You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the Site or the Terms of Use must be filed within one year after such claim or cause of action arose or be forever barred.  The section titles in the Terms of Use are for convenience only and have no legal or contractual effect.


Please report any violations of this ASR Terms of Use Policy to ASR.