OWL uses the information you voluntarily provide to tailor our site to your needs and preferences and to provide the on-line services you are requesting. The type of information we collect will vary with the service being sought and may include your name, address, phone number, e-mail address, social security or federal identification number, credit card number and expiration date, and/or driver license number. If you simply wish to view pages on OWL's site, or conduct transactions, you do not need to personalize the site by registering for an account.

Cookies

In order to customize your browsing experience, OWL uses "cookies". Cookies allow information to change as you navigate through the pages of a web site. Two types of cookies can be used, "session-only" and "persistent". OWL uses cookies in the following ways:

1. If you wish to access State information but do not want to personalize the site, OWL uses session-only cookies to reserve some storage on your computer in order to take your query and pass it along to the page that will serve up the information you request. The session-only cookies are erased either during web browser operation or after your web browser is shut down.
2. If you wish to conduct on-line transactions but do not want to personalize the site, OWL uses session-only cookies to process your request. The type of information voluntarily submitted to fulfill your request varies by transaction and may include your name, address, phone number, e-mail address, social security or federal identification number, credit card number and expiration date, and/or driver license number.
3. If you choose to register with OWL to personalize the site and wish to be remembered, OWL uses permanent cookies that remain on your computer's hard drive as small text files. These permanent cookies allow OWL to recognize you when you return to our site. When you register with OWL, we ask you to identify yourself by your name and email address. This allows OWL to customize the presentation of information for you based upon what you have asked for and/or voluntarily provided during previous visits. OWL only uses permanent cookies with the permission of the user.
4. If you choose to register with OWL to personalize the site but do not wish to be remembered, OWL uses session cookies that are destroyed when you close your browser.

OWL has links to other web sites. When you link to one of these sites, OWL cannot control their use of cookies and this privacy policy will not apply.

If you choose to do so, you can configure your browser to notify you when a new cookie is received. You can also prevent your browser from accepting any new cookies, view and delete existing cookies or disable cookies altogether.
Information Sharing and Disclosure

OWL will only send personal information about you to others when:

Editing and Deleting Your Account Information

You will be able to edit your OWL account information and preferences at any time. You may delete your OWL account by accessing the "Update My Profile" button and selecting "Delete Profile".

Changes to this Privacy Policy

OWL may amend this policy from time to time. OWL will prominently display on this website any substantial change in the way we use your personal information.

Directions for Controlling Cookies:

Using Internet Explorer to Control Which Cookies You Accept:

If you are using Internet Explorer 5.0:

1. Choose Tools, then
2. Internet Options.
3. Click the Security tab,
4. Click Internet, then Custom Level.
5. Scroll down to Cookies and choose one of the two options.

If you are using Internet Explorer 4.0:

1. Choose View, then
2. Internet Options.
3. Click the Advanced tab,
4. Scroll down to the yellow exclamation icon under Security and choose one of the three options to regulate your use of cookies.

In Internet Explorer 3.0, you can choose View, Options, Advanced and click on the button that says Warn Before Accepting "Cookies."

Using Internet Explorer to View or Delete Cookies You Have Accepted:

If you're using Internet Explorer 5.0:

1. Choose Tools, then
2. Internet Options.
3. Under the tab General (the default tab)click
4. Settings, then
5. View Files.
6. To delete a cookie, highlight it and delete it.

If you're using Internet Explorer 4.0

1. Choose View, then
2. Internet Options.
3. Under the tab General (the default tab)click
4. Settings, then
5. View Files.
6. To delete a cookie, highlight it and delete it.

If you are using Internet Explorer 3.0

1. Choose View, then
2. Options, then
3. Advanced, then
4. View Files.
5. To delete a cookie, highlight it and delete it.

Using Netscape to Control Cookies: Netscape bundles all cookies into one file on your hard drive. You'll need to find the file, which it calls Cookie.txt on Windows machines.

If you are using Netscape Communicator 4.0:

If you are using Navigator 3.x:

1. Select "Options | Network Preferences..." from the main menu.
2. Change to the "Protocols" tab.
3. Navigator 3.x does not have an option to completely disable accepting cookies. To get a prompt: Check "Accepting a Cookie" under "Show an Alert Before"
4. Click "OK"