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Privacy Policies

Click here to view our Privacy Policy

Click here to view our SSN Privacy Protection Policy

Click here to view our New York Confidentiality Protocols

Overview

This website is owned and maintained by Nautilus Insurance Group, ("Nautilus Insurance," "we", "us," or "our"), a member of the W. R. Berkley Corporation enterprise of affiliated companies (collectively, the "Company"). This Online Privacy Policy ("Policy") sets forth Nautilus Insurance's data collection and use policies with respect to visitors to this website. By using this website, you acknowledge your acceptance of this Policy.

This Policy applies only to information received and collected by Nautilus Insurance through this website.

We recommend that you use the secure website or FTP site for the transfer of sensitive information, rather than via email.

Nautilus Insurance respects the privacy of our website visitors, and we are committed to protecting our visitors' personal information. We want you to understand how and why we collect, use, and disclose the information we obtain about you from this website.

PERSONAL INFORMATION Nautilus Insurance COLLECTS ONLINE

Through this website, we may collect two types of information: non-personal information and personal information. Personal information is information that identifies or can be readily associated with a particular individual.

At times, Nautilus Insurance may ask you to provide a limited amount of personal information that could identify you, such as your name, e-mail address, and/or policy information. This information is collected only when you voluntarily provide it.

Personal information may be required for the use of certain services or to process certain transactions on this website. Users who do not wish to provide the required information are free to decline to provide such information, but may not be able to take advantage of the specific service or engage in that sort of transaction online as a result.

The personal information we collect may vary depending on how you use our website. Such information may include:

Information about individuals' transactions with us, with our affiliates, or with others, such as policy coverage, premium, payment history, motor vehicle records; and

Information we receive from a consumer reporting agency, such as a credit history.

User Accounts: Nautilus Insurance may collect information, including your name and e-mail address, that personally identify you in connection with establishing and maintaining your user account. When you access this website using a User ID and password, we may use the personal information associated with your User ID and password to identify you as a user and track your activities on this website.

Financial Information: We may gather information about your transactions with us and our affiliates and, as permitted by applicable law, may receive information from credit reporting bureaus and other third parties relating to your finances, such as your credit history.

HOW Nautilus Insurance USES THE PERSONAL INFORMATION IT COLLECTS

We may use personally identifiable information from you for a limited number of purposes, including providing you with services or information, billing you for services, conducting transactions. We may also use the information we collect to respond to e-mails, provide customer support, and other similar business purposes.

We do not disclose any personal information to anyone except as is necessary to provide our products or services to a person, or otherwise as we are required or permitted by law. In certain instances, we may release information collected through this website in order to comply with requests from law enforcement or government agencies, to enforce the Terms of Use or other agreements herein, or to protect customers and others. We may disclose this information when we believe in good faith that disclosure is necessary or advisable, including, for instance, to identify, contact, or bring legal action against someone who may be causing injury to or interfering with the rights or property of Nautilus Insurance, another user, or anyone else that could be harmed by such activities.

Personal information you provide through this website may be combined with other personal information that we collect or receive about you through other methods, and such combined personal information may be used as described in this Policy.

COLLECTION AND USE OF NON-PERSONAL INFORMATION

Non-personal information is information that does not identify an individual and cannot be readily associated with a particular individual.

Certain information is automatically collected when you visit our website. For example, we may collect information to track the number of visitors we receive and the way that visitors navigate the website. Information collected may include the date and time you accessed the website, the page or pages you visited and images you accessed, the name of any other website that referred you to the Nautilus Insurance website, as well as your IP address, operating system, browser type, and type of computer. We may share this aggregated information with our affiliates and/or third parties. We reserve the right to use non-personal information in order to investigate unlawful conduct and/or breaches of this Policy and this website's Terms of Use.

Data may be gathered using cookies and other similar technologies. A "cookie" is a piece of data that a web server may place on your computer when you visit a website. Cookies are commonly used by websites to improve the user experience. Many cookies last only through a single website session, or visit. Others may have an expiration date, or may remain on your computer until you delete them. Our cookies will track only your activity relating to your online activity on this website. Our cookies do not gather personal information.

We may use cookies on this website for a number of purposes – for example, to maintain continuity during a user session, to gather data about the usage of our website for research and other purposes, to store your preferences for certain kinds of information and marketing offers, or to store a user name or encrypted identification number so that you do not have to provide this information every time you return to our website. We may also use other companies to set cookies on this website in order to gather cookie information for us, and we use such cookie information in the same manner as stated above.

You can decide if and how your computer will accept a cookie by configuring your preferences or options in your browser. You may change your browser settings to either reject cookies or notify you when a cookie is about to be placed on your computer. However, if you choose to reject cookies, you may not be able to use certain of our website's features.

In addition, we may collect data by using "pixel tags", "web beacons", or "clear GIFs" embedded in the website's content. The data we collect includes pages visited, transactions executed, and the associated timing. This information does not include your name, e-mail address, or any other personal information.

Nautilus Insurance also collects IP addresses as part of our efforts to maintain and improve the website. IP addresses are usually identified and logged automatically whenever a visitor accesses the website. The time of the visit and the page(s) visited may also be logged.

In addition to the information we collect automatically, we also obtain non-personal information that you provide to us online – for example, when you use our tools and calculators or communicate with us through the website. In some cases, we automatically retain the cookie information and/or the information you provide to us online – for example, to complete a transaction you requested or to keep historical records of your past transactions. In other cases, for example, when you use our tools and calculators, we only retain the cookie information and/or information you provide if you request that we do so for your use in subsequent sessions.

CONFIDENTIALITY AND SECURITY OF PERSONAL INFORMATION

We utilize physical, electronic, and procedural safeguards to protect your personal information and guard against its unauthorized access. However, no transmission of information over the Internet can be guaranteed to be totally secure, and we cannot ensure or warrant the security of any such transmission to the website. When you disclose information to us online, you do so at your own risk. If you have any reason to believe that your interaction with us is no longer secure, contact us immediately at: [email protected].

LIMITATIONS

This Policy applies only to information collected through this website. It does not apply to any information you provide to websites on which Nautilus Insurance advertises, nor does it apply to information we collect through other communications with you, including e-mail communications, phone calls, or non-electronic written communications.

CHANGES TO OUR ONLINE PRIVACY POLICY

Nautilus Insurance reserves the right to change this Policy at any time without notice. Depending on the nature of the change, we may or may not announce the change on the home page of the Nautilus Insurance website. You can determine when this Policy was last revised by referring to the "Last Updated Date" below. It is your responsibility to visit the link at the bottom of the home page of this website to periodically review the most current version of this Policy.

Any changes to this Policy are effective upon the posting of the revised Policy on the Nautilus Insurance website. By continuing to use this website following such changes, you will be deemed to have agreed to the changes. If you do not agree with the terms of this Policy, as it may be amended from time to time, in whole or part, please do not continue using this website.

CONTACTING US

If you have any questions or comments about our Online Privacy Policy, or would like to learn more about how we protect privacy, please contact us at nic_regulatory@nautilus–ins.com

Last Updated: January 21, 2014

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Social Security Number Privacy Protection Policy

I. Policy

Nautilus Insurance Company and Great Divide Insurance Company ("we", "our" or "us") are committed to maintaining the confidentiality of Social Security numbers that it collects during the regular course of business. Accordingly, we have established this policy to restrict access, disclosure, use and disposal of Social Security numbers that have been collected by us. The purpose of this policy is to comply with Federal, state and local law protecting the confidentiality of Social Security numbers, including but not limited to Connecticut Public Act No. 08-167, effective October 1, 2008.

II. Procedures To Protect The Confidentiality Of Social Security Numbers

Authorized Collection And Access To Social Security Numbers

We collect the Social Security numbers of employees, applicants, independent contractors, interns and other individuals only for legitimate business reasons. Examples of such reasons may include:

The handling of insurance claims and payments in connection with operating its insurance business;
Background checks for applicants for employment;
Determining eligibility for employment;
Enrollment in employee benefits programs;
Reporting that is required by law, such as for tax purposes.

We restrict access to the Social Security numbers that it collects only to our employees and certain third parties who are authorized to access this information. Authorized employees are those whom we have determined to have a legitimate business need to access this information. Authorized third parties are those who have a legitimate need to access this information and owe a duty to maintain its confidentiality (e.g. vendors who are provided Social Security numbers to run background checks and insurance providers).

Disclosure And Use Of Social Security Numbers

We prohibit the disclosure and use of Social Security numbers unless such disclosure and use complies with this policy and with Federal, state and local law. Social Security numbers shall not be displayed on identification cards or badges, bulletin boards, or any similar materials that are publicly displayed. Documents, materials or computer screens that display Social Security numbers shall be shown only to authorized employees and third parties and shall be kept out of public view at all times.

Social Security numbers may only be used by authorized employees for legitimate business reasons, including but not limited to those reasons described above.

Storage And Disposal Of Personal Information Including Social Security Numbers

We shall take reasonable steps so that all documents and files (both electronic and in hard copy) that contain personal information such as Social Security numbers shall be stored in a physically secure manner. "Personal information" is defined under the law as information capable of being associated with a particular individual through one or more identifiers. Examples of personal information include a person's Social Security number, driver's license number, passport number, credit or debit card numbers and health insurance identification numbers.

We require that personal information be stored in a way that prevents unauthorized access. For example, hard copy documents that contain personal information should be stored in files that can only be accessed by authorized employees or third parties, and computers or other electronic devices that contain personal information should be secured against unauthorized access, such as through the use of a password. We require that any authorized personnel who maintains personal information must take appropriate steps consistent with this policy to safeguard such information.

Documents or other materials (both electronic and in hard copy) that contain personal information shall be disposed of in a manner such that the personal information is erased or made unreadable at the time of disposal. It may be necessary to consult with our IT department to ensure proper disposal of personal information that is stored electronically.

III. Non-Compliance With This Policy And The Law

Failure to comply with this policy may result in disciplinary action up to and including termination. Furthermore, the law provides civil and criminal penalties for individuals who violate laws protecting the confidentiality of Social Security numbers.

If you have any questions about this policy, including about how to dispose of personal information, please contact Jan Shemanske, Vice President at [email protected] or by telephone at 1.800.842.8972.