The Privacy Policy applies to the website at www.creins.com (the “Website”) and CRE Insurance Solutions and its affiliates (collectively, “CREINS”, “we” or “us”) and governs data collected through the Website or otherwise and the use of the data. As a part of our normal operations CREINS collects, and in some cases, discloses information about you. We encourage you to read the following Privacy Statement that contains information about policies regarding the collection, use, disclosure, and protection of your information.

By using the Website, you consent to the data practices described in this Privacy Policy. If you do not agree with any of the terms or policies described in this Policy, we ask that you do not submit information to us.

CREINS reserves the right to change this Privacy Policy from time to time. We will notify you about significant changes in the way we treat personal information by sending a notice to the primary email address specified in your account, by placing a prominent notice on the Website, and/or by updating any privacy information on this page. Your continued use of the Website and/or services available through the Website after such modifications will constitute your: (a) acknowledgment of the modified Privacy Policy; and (b) agreement to abide and be bound by that Policy.

What Information Do We Collect?

We collect personally identifiable information that you voluntarily provide in order to identify and register you as a customer. In addition, we collect personal, financial and product information in order to provide you with services tailored to your particular needs. By learning about you, we can deliver more relevant protection and product offerings and thus offer you better insurance services and options. We may also gather additional personal or nonpersonal information in the future.

The information we collect will vary depending upon the function or processes you select or request. Depending upon the function, product or process you select, you may be required to provide information such as:

• Name
• Address
• Phone number
• E-mail address

• Policy(ies) Type(s) & Number(s)

Who Should Use Our Website?

Our Website is for insurance and financial products and services and is not intended for children under the age of 18. We offer insurance and financial products and services and thus do not market any products or services to children under the age of eighteen or knowingly collect any information from children under the age of eighteen. If we become aware that information is or has been submitted by or collected from a child under the age of eighteen, we will destroy this information.

What kind of customer information do we have, and where did we get it?

Much of the customer information we collect comes directly from you. When submitting your application or request for insurance or other products and services we offer, or in requesting an insurance quote, or sending us an email, you may give us information such as your name and address. We also keep information about your transactions with our affiliates, others, or us – for example, the types of products and services you purchase from us, premiums, policy account balances and payment history. We also may collect information from outside sources.

In addition, information about your computer hardware and software may be automatically collected by CREINS. This information can include: your IP address, browser type, domain names, access times and referring websites. This information is used for the operation of the Website, to maintain quality of the Website and provide general statistics regarding use of the Website.

Who collects this information?

In order to better serve your particular needs, the information noted above is collected by CRE Insurance Solutions, its agents, and other companies working on behalf of CRE Insurance Solutions. In addition to collecting information from you, you should also know that, depending on the nature of your transaction, we may collect information from outside sources. For property insurance, we may send someone to inspect your property and verify information about the value and condition of your property.

How is this information used and how to Opt-out?

The information you submit to us via our on-line forms and e-mail is used to provide you with the response or service or insurance information you have requested.

We may also use this information to contact you about our products and services. If you do not wish to receive these communications, you can write us, e-mail us or simply reply to any e-mails you receive from our employees informing us of your desire to be removed from our mailing lists.

Who has access to this information?

We do not sell, rent or lease our customer lists to third parties. In order to better serve your particular needs, our company, its employees, and certain companies working on our behalf have access to this information. This information may also be disclosed to third parties without your consent if required by law or in the good-faith belief that such disclosure is necessary to comply with the law or legal processes or to protect the rights, property, or personal safety of CREINS, its users or the public. We may also provide limited information about you to third parties without your permission when necessary or appropriate to service an insurance policy for which we have acted as broker (e.g., inquiries from lien holders or additional insureds listed on the policy) or to address claims submitted under a policy for which we have acted as broker.

In addition, we may, as permitted by law, provide information about you without your permission to certain persons or organizations, such as: your agent or broker; insurance support organizations; insurance companies in order to perform their function in regard to an insurance transaction involving you (i.e. a claim or writing a policy); independent claim adjusters; businesses that conduct actuarial or research studies; regulatory and law enforcement authorities; or our affiliated companies, if any. We may store your data on servers provided by third party hosting vendors with whom we have contracted.

What are your options regarding collection, use, and distribution of your information?

Any information you submit to us via written applications, our Website’s on-line forms or e-mail is done so on a voluntary basis. When you access our site in this manner, the collection, use, and distribution of your information will be handled according to the terms and policies outlined in this Privacy Statement. If you object to the collection, use, and distribution policies outlined in this Privacy Statement, we ask that you do not submit information.

What are your options regarding correction or storage of your information?

You may either personally see, or obtain from us by mail, the information about you in our files. If you believe the information we have about you in our records or files is incomplete or inaccurate, you may request via telephone or a postal mail letter that we make any necessary additions or corrections or, to the extent that it is feasible, that we delete this information from our files.

Cookies

The Website may use “cookies” to help personalize your online experience. A cookie is a text file that is placed on your hard disk by a webpage server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you and can only be read by a Web server in the domain that issued the cookie to you.

One of the primary purposes of cookies is to provide a convenience feature to save you time. The purpose of a cookie is to tell the Web server that you have a specific page. For example, if you personalize any pages in the Website, or register with CREINS, a cookie helps us to recall your specific information on subsequent visits. This simplifies the process of recording your personal information. When you return to the Website, the information you previously provided can be retrieved, so you can easily use the features that you customized.

In addition, this Website uses Google Analytics, a web analytics service provided by Google, Inc. (“Google”). Google Analytics uses cookies to help the Website analyze how users use the site. The information generated by the cookie about your use of the Website (including your IP address) will be transmitted to and stored by Google on servers in the United States. Google will use this information for the purpose of evaluating your use of the Website, compiling reports on website activity for website operators and providing other services relating to website activity and internet usage. Google may also transfer this information to third parties where required to do so by law, or where such third parties process the information on Google’s behalf. Google will not associate your IP address with any other data held by Google.

You may refuse the use of cookies by selecting the appropriate settings on your browser, or by enabling the Do Not Track settings in your browser, however please note that if you do this you may not be able to use the full functionality of this Website. By using this Website, you consent to the processing of data about you by Google in the manner and for the purposes set out above.

Links and Co-Branded Sites

This Website contains links to other sites. CRE Insurance Solutions provides links to other sites as a convenience to persons who visit the Website. If you choose to use the services provided by those sites, you may be asked by those sites to provide certain personally identifiable information (some of which may, on an individual or aggregated basis, be shared with CRE Insurance Solutions. Please be aware that CRE Insurance Solutions is not responsible for the content or privacy practices of those sites, even though the name or logo of CRE Insurance Solutions may appear on those sites. We encourage you to be aware when you leave our site and to read the Privacy Statements of each and every Website that you visit, as the privacy policy of those sites may differ from ours.

Transfer in the Event of Sale or Change of Control

If the ownership of all or substantially all of our business changes, of if CREINS is subject to a merger, consolidation or other reorganization, we may transfer your information to the new owner. In such a case, your information would remain subject to the promises made in any pre-existing Privacy Policy.