Terms and Conditions of Use

Broadspire is dedicated to maintaining the trust of those with whom we do business. This Privacy Notice will provide you with our practices and policies with respect to the handling of personal information and compliance with privacy laws.

Why Broadspire collects and discloses personal information

Broadspire collects and discloses personal information only for the purpose of serving the business-related needs of its current and former customers. These needs include evaluating, providing contract-related or administrative services, including compliance with regulatory requirements, claims investigation, adjustment and coverage assessment. Broadspire may also collect and disclose personal information about third parties with respect to claims made against customers.

Types of nonpublic personal information Broadspire collects

Information that may be collected includes, but is not limited to, an individual's name, address, telephone number, Social Security number, motor vehicle reports, policy number, premium and payment history, medical history and credit reports. We may also collect information from clients including name, address, telephone number, Social Security number, claim number, date of loss, type of loss, cause of loss and the value of a claim.

We may initiate the collection of certain nonpublic personal information when handling a claim. The information may be collected from sources such as our affiliates, independent insurance agents or brokers, clients, claimants or other third party sources. Examples of these third party sources may be witnesses to incidents, or persons retained by us or by the claimant in the process of servicing a policy or handling (i.e.,: physicians, attorneys, accountants or appraisers).

We may also collect nonpublic personal information when you use our corporate Web sites. Information is obtained through online collecting devices known as "cookies." Cookies are sets of information that our Web server assigns to your hard drive for recording purposes when you visit our Web site. Broadspire may place an electronic "cookie" in the browser files of a visitor's computer. Cookies do not enable us to access any personal information about our visitors. Cookies do allow us to analyze guests' use of our sites. The purpose of this analysis is for us to learn which areas of our sites are most popular and useful so we can plan reviews, improvements and updates accordingly. These cookies do not gather any other personal information from you or your computer.

Disclosure of nonpublic personal information

Nonpublic personal information may be shared with affiliated and nonaffiliated third parties in order to administer services and as otherwise permitted or required by law. Our affiliates include third party administrators performing services on our behalf, investment companies, brokers/agents and other service providers. Unaffiliated third parties include, but are not limited to, an independent insurance agent or broker, the policyholder, persons or organizations retained to assist in the claim process or in the administration of policies (i.e.,: medical providers, appraisers), reinsurers, and others as permitted or required by law.

Usage of nonpublic personal information

We use nonpublic personal information to administer or service a contract, administer a claim, bill charges, or as otherwise permitted by law. Nonaffiliated third parties having access to our nonpublic personal information are prohibited from using such information for any marketing purposes except as permitted by law. Nonaffiliated third parties may use such information only to perform their obligations to us, or one of our policyholders, claimants, or as otherwise permitted by law. Nonaffiliated third parties are prohibited from disclosing any nonpublic personal information to any other party.

Broadspire's security of nonpublic personal information

Personal information recorded in documents is securely stored at Broadspire's offices and at the offices of its affiliated companies. We control access to nonpublic personal information to those who need access to service our policyholders and to others as permitted or required by law. We maintain physical, electronic and procedural safeguards to better protect the information under our control. Broadspire employees, contractors and representatives are under obligation to access personal information only when they have a legitimate business need to do so.

Internet privacy policy

Broadspire's Privacy Policy with respect to the use of our Web sites is posted on those sites. Please refer to "Terms and Conditions ."

Amendments

Broadspire may amend this policy from time to time at its discretion. A current version of the Privacy Policy is always available on Broadspire's primary Web site under "Terms and Conditions."

Further information

If you have any questions about this privacy policy, please contact us by clicking on "Contact Us."

Links to third-party sites

The product descriptions, if any, provided on Broadspire's Web site are not intended to constitute offers to sell or solicitations in connection with any products or services. Some products may not be available in all jurisdictions. Anyone interested in a particular product should send an e-mail to the pertinent Broadspire business area using the "Contact Us" electronic mail method provided on the home page to ascertain whether the product is available in their jurisdiction and to request a copy of the applicable policy or prospectus for a complete description of the product or service.

While visiting choosebroadspireonline.com, you may leave the Broadspire Web site and access certain non-Broadspire Web sites. Broadspire does not pass upon the content and accuracy of these Web sites and therefore disclaims responsibility for their content and accuracy.

All content directly associated with this site is owned by Broadspire Services, Inc, unless noted otherwise. Broadspire cannot, and does not guarantee or warrant that files available for downloading from this site are free of viruses, worms, Trojan horses, or other codes that may have contaminating or destructive properties.

Content may be downloaded and/or reprinted for personal use only. Permission to reprint or electronically reproduce any document or graphic in whole or in part for any reason except for personal use is expressly prohibited, unless prior written consent is obtained from the appropriate Broadspire copyright holder.

We look forward to your correspondence and have provided a place on this site for you to contact us. To protect your privacy, please do not use e-mail to communicate confidential information.

Please note: The benefits content in this site is intended to provide you with a general outline of your benefits. To the extent a conflict exists between the benefit info at this site and the relevant summary plan description, the latter will govern.