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NFS is committed to protecting your privacy. This Privacy Statement ("Statement") explains our information processing practices. It applies to any personal information you provide to NFS and, subject to local law, any personal information we collect from other sources.

Throughout this Statement, "NFS" refers to NFS, including its affiliated companies and subsidiaries (also referred to as "we", "us", or "our").

What type of information does NFS collect?

We collect personal information to offer and administer our services and products. These include insurance broking, claims management, risk management consulting, other forms of insurance services (including underwriting of insurance products and reinsurance), employee benefits program administration and investment advisory services.

We may collect information such as your name, contact details, date of birth, gender, marital status, financial details, employment details and benefit coverage. We may also collect sensitive information about you such as criminal convictions or health information in relation to life, health, professional liability and workers compensation insurance or employee benefit programs.

When you request services, we ask that you provide accurate and necessary information that enables us to respond to your request. In doing so, you consent to our collection, use, storage and disclosure of this information to appropriate third parties for the purposes described in this Statement.

While the personal information we collect may come directly from you, it may also be provided by our affiliates or other third parties (such as employers, insurance companies, insurance brokers or agents, credit organizations, motor vehicle and driver licensing authorities, financial institutions, medical professionals, etc.). If you provide personal information about other individuals (such as employees, dependents, etc.), you must obtain their consent prior to your disclosure to NFS.

NFS may collect information online when you . . .

Visit NFS websites

For purposes of this Statement, "website" includes our mobile applications.

By using NFS websites and associated microsites, you agree to the processing of your personal information as explained in this Statement, including placing cookies on your device as described below.

We collect personal information to fulfill your requests for products and services and to improve your online experience. We strive to limit the amount of personal information collected to support the intended purpose of the collection.

We may ask you for some or all of the following types of information when you register for events, request services, manage accounts, access various content and features or directly visit our websites. This includes, but is not limited to:

• contact information, such as name, e-mail address, postal address, phone number and mobile number;
• user name, password, password reminder questions and password answers;
• communication preferences, such as which newsletters you would like to receive;
• search queries;
• contact information about others when you refer a friend to a particular site or service (note: this information is used solely to facilitate requested communications)
• Information posted in community discussions and other interactive online features.

In some instances, NFS automatically collects certain types of information when you visit our websites and through e-mails that we may exchange. Automated technologies may include the use of web server logs to collect IP addresses, "cookies" and web beacons. The collection of this information will allow us to improve the effectiveness of NFS websites and our marketing activities.

Cookies: NFS collects information during your visit to an NFS website through the use of cookie technology. A cookie is a piece of programming information contained in a very small text file that is placed in your Internet browser or elsewhere on your hard drive. You can control acceptance of cookies by modifying your Internet browser preferences. You have the ability to accept all cookies, to be notified when a cookie is set or to reject all cookies. Please note that, if you choose to block all cookies (including essential cookies) you may not be able to access all or part of our site and may be unable to use those services or engage in activities that require the placement of cookies. NFS uses cookies to distinguish you from other users of our website and to help us compile aggregate statistics about usage of our websites.

In addition, on some occasions, NFS may use tracking technologies such as web beacons, to collect information about your visits to NFS websites. These are small electronic images embedded in web content or e-mail messages and are ordinarily not visible to users. Like cookies, this tracking technology enables us to track pages and content accessed and viewed by users on NFS websites. The use of these technologies also helps us to provide you with a positive experience when you browse our websites, and it also helps refine our content and personalize your experience.

You can adjust your browser settings to accept or refuse cookies. Please note that, if you choose to block all cookies (including essential cookies) you may not be able to access all or part of our site and may be unable to use those services or engage in activities that require the placement of cookies.

• If you are using Internet Explorer 8.0+:
• • Go to "Tools" in the menu bar and then click on "Internet Options"
  • Click on "Privacy" Tab on top
  • Move the slider up to the "Block all the Cookies" setting

• If you are using Firefox 4.0+:
• • Go to "Tools" in the menu bar
  • Click on "Options"
  • Click on "Privacy Tab"
  • Disable the box that says "Tell websites I do not want to be tracked"

• If you are using Google Chrome:
• • Go to "Tools Menu"
  • Click on "Settings"
  • Click on "Advanced Settings"
  • Click on "Privacy/Content Settings"
  • "Cookies" should be selected. Once done select "Block third party cookies and site data"

• If you are using Safari 5.0:
• • Choose Safari > Preferences and click "Security."
  • In the "Accept Cookies" section, specify if and when Safari should accept cookies from websites. To see an explanation of the options, click the Help button (looks like a question mark). If you have set Safari to block cookies, you may need to temporarily accept cookies to open a page. Repeat the above steps, selecting Always. When you’re done with the page, turn off cookies again and remove the page’s cookies.

For more detailed information about cookies, you may wish to visit www.allaboutcookies.org

Links to Other websites: NFS websites may contain links to other sites which are outside our control and are not covered by this Statement. If you access other sites using the links provided, the operators of these sites may collect information from you which will be used by them in accordance with their privacy statement. We encourage you to read the privacy statements on other websites you visit. NFS is not responsible for the content or privacy practices of linked sites or any use of those sites.

Please be aware that NFS websites may contain links to sites maintained by other NFS entities that are not governed by this Statement but by other privacy statements that may differ slightly from this Statement. We encourage you to review the privacy statement of each website you visit.

Engage with NFS through Social Media

You can engage with us through social media websites or through features such as plug-ins or applications on NFS websites that integrate with social media sites. You may also choose to link your account with us to third party social media sites. When you link your account or engage with us on or through third party social media sites, plug-ins, or applications, you may allow us to have ongoing access to certain information from your social media account (e.g., name, e-mail address, photo, gender, birthday, the posts or the 'likes' you make).

If you post information when you interact with our websites through social media sites, plug-ins or other applications, depending on your privacy settings, this information may become public on the Internet. You can control what information you share through privacy settings available on some social media sites. For more information about how you can customize your privacy settings and how third party social media sites handle your personally identifiable information, please refer to their privacy help guides, privacy statements and terms of use.

Access our Websites through Mobile Devices

If you access our websites on your mobile telephone or mobile device, we may also collect your unique device identifier and mobile device IP address, as well as information about your device's operating system, mobile carrier and your location information.

When you provide us your mobile device phone number as your contact phone number, you consent to the use of your mobile device phone number for the purposes identified in this Statement. If you choose to receive notifications from us on your mobile device (e.g. text notifications), you also consent to the use of your mobile phone number for that purpose.

How does NFS use your personal information?

The personal information we collect may be used to:

• provide information and services as requested by you;
• determine eligibility and process applications for products and services;
• provide information and services as requested by clients;
• understand and assess clients' ongoing needs and offer products and services to meet those needs;
• carry out client communication, service, billing and administration;
• administer claims;
• conduct data analysis;
• obtain and update credit information with appropriate third parties, such as credit reporting agencies, where transactions are made on credit;
• execute monitoring and training;
• develop new services;
• market products and services (subject to appropriate consent); and
• conduct processing necessary to fulfill other contractual obligations for the individual.

With your consent, we may also use your personal information for additional purposes.

Does NFS disclose your personal information?

Business Partners

We disclose personal information to business partners that are necessary to provide our products and services. Examples include:

• banking and finance products - credit and fraud reporting agencies, debt collection agencies, insurers, reinsurers, and managed fund organizations for financial planning, investment products and trustee or custodial services in which you invest
• insurance broking and insurance products - insurers, reinsurers, other insurance intermediaries, insurance reference bureaus, medical service providers, fraud detection agencies, our advisers such as loss adjusters, lawyers and accountants and others involved in the claims handling process

We do not rent, sell or otherwise disclose personal information about our online visitors with unaffiliated third parties for their own marketing use.

Authorized Service Providers

We may disclose your information to service providers we have retained to perform services on our behalf. These service providers are contractually restricted from using or disclosing the information except as necessary to perform services on our behalf or to comply with legal requirements.

Legal Requirements and Business Transfers

We may disclose personal information (i) if we are required to do so by law or legal process, (ii) in response to law enforcement authority or other government official requests, (iii) when we believe disclosure is necessary or appropriate to prevent physical harm or financial loss, (iv) in connection with an investigation of suspected or actual illegal activity or (v) in the event that NFS is subject to a merger or acquisition to the new owner of the business. Disclosure may also be required for company audits or to investigate a complaint or security threat.

Does NFS transfer your personal information across geographies?

NFS may transfer certain personal information across geographical borders to NFS entities or service providers in other countries working on our behalf in accordance with applicable law.

By providing us with your information or using our websites, you consent to the collection, international transfer, storage, and processing of your information. These transfers are governed by European Union (EU) standard contractual clauses or equivalent data transfer agreements to protect the security and confidentiality of personal information.

How can you access and update your information?

NFS takes reasonable steps to keep your personal information accurate and complete. You can access or update your personal information in the following ways.

Profile

If you have created a profile or account on one of our websites, you can update your contact information after you log into your account.

Newsletters

If you request electronic communications, such as an e-newsletter, you will be able to unsubscribe at any time by following the instructions included in the communication.

Mobile Devices

If you previously chose to receive push notifications on your mobile device from us but no longer wish to receive them, you can manage your preferences either through your device or the application settings. If you no longer wish to have any information collected by the mobile application, you may uninstall the application by using the uninstall process available on your mobile device.

Email

Contact us at the e-mail or postal address listed in the "Contact Us" section at the bottom of this Statement. Please include your current contact information, the information you are interested in accessing and your requested changes. We will provide you access to the personal information requested, subject to reasonable limitations provided by law, unless it infringes on the privacy of other individuals.

If we do not provide you with access, we will provide you with the reason for refusal and inform you of any exceptions relied upon.

Does NFS have security measures in place to protect your information?

NFS has implemented reasonable physical, technical and administrative security standards to protect personal information from loss, misuse, alteration or destruction.

Our service providers and agents are contractually bound to maintain the confidentiality of personal information and may not use the information for any unauthorized purpose.

Does NFS collect information from children?

Our websites are not directed to children and we do not knowingly collect personal information from children on our websites.

Contact Us

If you have any questions relating to this Statement, please contact us at privacy@nationalfloodservices.com

Changes to this Statement

We may update this Statement from time to time. We encourage you to periodically review this Statement so that you will be aware of our privacy practices. This Statement was last updated on October 1, 2018.

NATIONAL FLOOD SERVICES LLC