• Applications or other forms received from you;
• Insurance transactions your conduct with us or our affiliates;
• Claims information provided in the event of a claim; and
• Consumer reporting agencies.

We do not disclose any non-public personal information we gather about our customers or former customers to anyone, except as permitted by law. We may disclose non-public personal information about you to related or third-party brokers and/or agents, to premium financial service companies, and to third-party companies who perform marketing services for us. We restrict access to your non-public personal information to those employees who need to know that information in order to provide products or services to you. We maintain physical and procedural safeguards to guard your non-public personal information. We may use your personal information for several purposes, such as monitoring the use of our web site so that we can make improvements; diagnosing and solving technical problems; fulfilling customer requests for certain products and services; and sending material of interest (if you have so requested). Sometimes we must collect medical information in conjunction with a claim. We do not use or share your medical information for any marketing purpose, unless we receive your permission.

Cookies
We may store a cookie on your computer when you visit our web site. A cookie is a piece of information that is required to create and maintain a secure session. With a cookie, each time your browser requests a page from the server, a message is sent to us. A cookie's main objective is to identify users and personalize their visit by customizing web pages for them-for example, by welcoming them by name the next time they visit the same site. A site using cookies may invite you to provide personal information, such as your name, e-mail address and interests. Our cookies do not contain confidential or personal information. Our cookies do not track a user after leaving our web site.

E-mails
We may keep the e-mails you send to us. If you agree to receive e-mail messages from us, we will keep the information you give us to send e-mail of specific interest to you. Please be careful about the information you give us in e-mail. As with any public web site, this communication may not be secure.

Web Links
We may provide links to other web sites on our site. We are not responsible for the collection, use, or security of information by the companies or organizations outside of our site. Please read the privacy policies of those web sites reached through the use of links from our site.

For further information regarding our privacy policy or for information we may have received from you, please contact us.