Privacy Policy


You are about to access the portal operated by The Allen J. Flood Companies, Inc. ("AJF"), an affiliate of the Philadelphia Insurance Companies, which itself is a member of the Tokio Marine Group (the "portal"). The portal is operated on behalf of your educational institution ("Participating School"). The portal is a centralized system established and maintained for the exclusive use of Participating Schools and those of their students who enroll in the insurance plans they offer through AJF ("Plan Members").

As such, only Plan Members and those persons authorized by a Participating School are permitted to access and use the portal. Such access is governed by the terms of use found here and any additional terms of use established by your Participating School.

Any personal information stored in and accessible from the portal, including any such information meeting the definitions of Protected Health Information or electronic Protected Health Information (as each of those terms is defined under the Heath Insurance Portability and Accountability Act or "HIPAA") and/or Education Records under the Family Educational Rights and Privacy Act or "FERPA", is collected, used, protected and transferred solely in accordance with AJF's privacy statement, which you may read here, and the privacy statements and other policies of the Participating School through which you enrolled to become a Plan Member. As between AJF and your Participating School, your Participating School is, to the extent applicable, the party solely responsible for providing you with a Notice of Privacy Practices and such other documentation and disclosure as may be required under HIPAA or FERPA.

You may view and read those statements and policies by visiting your Participating School’s websites or otherwise contacting them. In some cases, a Participating School may frame this page from their own portal or site and such policies may be available by navigating the page you are currently viewing.