Privacy Policy

This privacy policy (the “Privacy Policy”) sets forth the information collection and use practices of Colonial Insurance Group (“Colonial”) for data collected online at the Colonial-operated web site under the cgigroup.com domain (the “Site”). This Privacy Policy is subject to Colonial's Terms of Use. By accessing or using the Site, you expressly accept and agree to be bound by this Privacy Policy as the same may be amended from time-to-time in accordance with this Privacy Policy.

PLEASE READ THIS PRIVACY POLICY CAREFULLY BEFORE USING THE SITE. IF YOU DO NOT AGREE TO THIS PRIVACY POLICY, PLEASE DO NOT USE THE SITE. BY USING THE SITE YOU ARE ACKNOWLEDGING THAT YOU HAVE READ, UNDERSTOOD AND AGREE TO BE BOUND BY THIS PRIVACY POLICY.

Colonial is committed to protecting the information that our valued customers share with us. As part of this commitment we would like to share with you our guidelines for the collection and protection of your information.

CHANGES TO THIS PRIVACY POLICY

This Privacy Policy is effective as of November 1, 2009. This Privacy Policy may be reviewed and amended as and when Colonial deems necessary to provide for the continued accuracy and protection of our valued customers' information. Colonial reserves the right to modify this Privacy Policy from time to time without notice, which modified Privacy Policy shall be effective immediately upon posting of such modified Privacy Policy. Your continued use of the Site following the posting of any revised Privacy Policy shall be deemed to conclusively indicate your acceptance of such revised Privacy Policy. Accordingly, you should periodically re-review this Privacy Policy.

What personally identifiable information of yours is collected?

Colonial does collect “personally identifiable information” through the Site, which we define as information such as your name, address, date of birth, and other information that can be used to identify you. We collect this information through information you give us through this Site or through any other way, including the purchase of products and services.

How is the information used?

We will use your personally identifiable information to, among other things, serve you better, process your enquiry or application for each product or service together, and respond to your enquiries regarding Colonial. We may also use this information to inform you of any changes to our product and service offerings and pricing structures.

The information that we collect and retain is used to create an accurate view of each individual valued customer. In many cases the information we collect helps us to customize a product or service to met our customer's individual needs.

Customer information is also retained for historical and legal reasons.

With whom will the information be shared?

Generally, we do not share the personally identifiable information collected through the Site with third parties unless we have obtained your prior permission. However, we may share personally identifiable information about you with affiliates and subsidiaries Colonial controls that either are subject to this Privacy Policy or follow practices at least as protective as those described in this Privacy Policy. We may also share personally identifiable information with agents and contractors that assist us in administering the Site and in providing our products and services to you, in response to legal process or when we believe that the law requires it (for example, in response to a court order, subpoena or a law enforcement agency's request), or to protect the rights, property or safety of Colonial, the Site, users of the Site and others. In addition, in the event that assets relating to Colonial are transferred or sold to another entity, personally identifiable information may be transferred to the acquiring entity and/or to potential acquiring entities.

Colonial will not sell or trade customer information with any other organization outside of Colonial.

Customer email information will not be sold or given to an email subscription or marketing organization outside Colonial without the approval of any affected individual.

What other information is collected? How is it used?

Certain Information You Provide in Communications via the Site

We do not consider any information other than personally identifiable information communicated to Colonial (e.g., questions, comments, ideas or suggestions) confidential and we have no obligations of confidentiality to you and disclaim any such obligations with respect to such information. You understand that anything you transmit to Colonial may, subject to applicable law, be used by Colonial for any purpose and you hereby grant to us to use, including reproduce, disclose, transmit, publish, broadcast and post such information. Furthermore, Colonial is free to use any ideas, concepts, know-how, processes or techniques contained in any communication you send via any Site (including via any email address posted on any Site) for any purpose whatsoever including, but not limited to, developing, manufacturing, marketing, and selling products and services using such ideas, concepts, know-how, processes, or techniques.

Additional Information Collected by Colonial on the Site

Colonial may, or may engage an independent organization, to collect certain information in anonymous and/or aggregate form in order to collect data such as the total number of visits to our Site and the number of visitors to each page of our Site. We use this information to understand how visitors use the Site so that we may improve it. We may also share this anonymous and/or aggregate information with Colonial's affiliates, subsidiaries, and third parties (as described in this Privacy Policy). You understand that such information is not personally identifiable information and that we have no obligations of confidentiality to you with respect to such information.

Log Files

As is true of most web site hosts, Colonial gathers certain information automatically and stores it in log files. This information includes user's Internet protocol (IP) addresses, browser type, Internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and clickstream data. Colonial uses this information, which does not identify individual users, to analyze trends, administer the Site, and track users' movements around the Site. We do not link this automatically-collected data to personally identifiable information.

Cookies

A “cookie” is a piece of information that a web server may place on your computer when you visit a web site. Cookies are commonly used by web sites to improve the user experience. Many cookies last only through a single web site session or visit (session cookies). Others may have an expiration date or may remain on your computer until you delete them (persistent cookies).

We may use cookies for a number of purposes, such as maintaining continuity during a user session, to gather data about the usage of our Site for research and other purposes, and to enable our servers to recognize your computer so that your preferences and/or authentication credentials can be recognized so that you do not have to provide this information every time you return to our Site.

You can decide if and how your computer will accept a cookie by configuring your preferences or options in your browser. However, if you choose to reject cookies, you may not be able to use our Site, or certain of our Site's features.

We may occasionally use other companies to set cookies on our Site and gather cookie information for us. In some cases we may also use another company to operate web servers for our Site. We will use the cookie information gathered by these companies in the same manner as stated above.

What kinds of security procedures are in place to protect against the loss, misuse, or alteration of information under the company's control?

All databases containing customer information are secured with encrypted passwords and only authorized personnel are given access. This access is strictly for conducting the day-to-day operation of the business.

All databases run on redundant systems that have battery backup in case of power failure. All databases are backed up on a regular basis and the backup media are stored off-site.

All databases run on systems that are protected by generally accepted industry standard security and firewall technology. We caution, however, that no method of electronic storage is 100% secure. Therefore, while we strive to use commercially reasonable means to protect any personally identifiable information you submit through the Site, we cannot guarantee its absolute security.

How can any inaccuracies in the information be corrected?

You will have the opportunity to change certain information in your customer profile that is inaccurate or otherwise outdated. For example, a change of email address would require a change of information in your customer profile.

Are children allowed to use the Site?

Colonial does not sell products for purchase by children. By use of this Site, you affirm that you are either 18 or older, or an emancipated minor, or possess legal parental or guardian consent, and are fully able and competent to enter into and be legally bound by these Terms.

Links

Colonial may place hypertext links on the Site that connect to third party web sites. You understand and agree that Colonial has no control over these third party web sites, their content, or their terms of use and privacy policies. Your use of such linked sites will be subject to such web sites' terms of use and privacy policies, so you should read them before using such sites or transmitting any information to such sites.