This privacy notice describes our information practices and policies. It applies to our relationship with you if you are an individual who inquires about or obtains products or services from us for business, personal, family or household purposes.

Our Web site is for insurance and financial products and services and is not intended for children. We offer insurance and financial products and services and thus do not market any products or services to children under the age of thirteen or knowingly collect any information from children under the age of thirteen. If we become aware that information is or has been submitted by or collected from a child under the age of thirteen, we will destroy this information.

INFORMATION WE COLLECT

In order to provide our products or services, we may collect personal information about you from a variety of sources, including:

• information that comes from you during the application process;
• information about you from our affiliates,  governmental entities, consumer reporting agencies and other sources;

The type of information that we collect depends on the product or service requested, but may include:

• credit history;
• motor vehicle reports;
• inspections on your property;
• claims history;
• information concerning your previous insurance policies;
• information to properly investigate and resolve any claims.

INFORMATION WE DISCLOSE TO THIRD PARTIES

We do not sell your personal information to anyone. We do not disclose your personal information to third parties - people and companies that are not affiliated with us - for their own marketing purposes. For this reason, no "opt-out" is required. If we share some personal information about you with third parties without your specific authorization, it is to provide you with products and services that you request or expect from us, and as otherwise permitted by law.

For example, we may disclose the personal information we collect (as described above) as necessary to:

• service your policy, lease or account;
• investigate and pay claims;
• comply with state and federal regulatory requests or demands;
• process other transactions that you request.

To whom we make such disclosures depends on the product or service requested but may include:

• insurance companies
• insurance brokers
• insurance regulators;
• reinsurance companies;
• consumer-reporting and fraud prevention agencies;
• your mortgage or premium finance company;
• Insurance adjusters.

We also may disclose personal information about you to companies that perform marketing services on our behalf or to other financial service providers with which we have joint marketing agreements. If information is disclosed, it will not result in telemarketing or direct mail marketing.

INFORMATION SECURITY

We restrict access to personal information about you to those employees who need to know that information in order to provide products and services to you. We maintain physical, electronic and procedural safeguards to guard your personal information.

E-MAIL COMMUNICATIONS

We will not send you an e-mail in which we ask for personal information from you (such as a Social Security number) or link you to our Web site to ask you for such information unless we reference a specific transaction or information that you have requested.