This Privacy Policy describes the privacy practices of the AEGISLink.com Web site. Additional security information is contained in the "Terms of Use", which you should also review.

1. Our Privacy Principles

We, Associated Electric & Gas Insurance Services Limited and its affiliates (collectively, "AEGIS"), know that for you to be confident about using our site, you can't be worried about your privacy. That's why we follow four principles to protect your privacy and gain your confidence:

First, we will only ask for information intended to enhance your experience at our site. We will not exchange, sell, or otherwise provide to third parties your personal information unless we have your prior consent and only in the limited circumstances described below.

Second, it's your choice; you will always be able to decide whether or not to provide the information on line.

Third, you may access, modify or edit any of the information you submit to us at any time.

Fourth, AEGIS has established security practices and procedures (described below) that we think will protect your privacy.

2. Information We Obtain:

a. When You Access Our Web Site:

On your first visit to the site, we will automatically identify basic information about your computer, including, your type of computer and/or its operating system (such as Windows 95 or Macintosh iMac), the browser you are using and its version number (such as Microsoft Internet Explorer 5.0 or Netscape Navigator 4.0) and your computer's IP address, which is a series of numbers automatically assigned by your Internet service provider to your computer when you use it to surf the Web.

We record your IP address to help us manage our Web site and to diagnose problems with our server. It also helps us track broad demographic information about our user population, which is statistical data and does not identify any individual. Our customer service representatives use it to help you with technical problems. When necessary, an IP address may be used to help us enforce a member's compliance with our terms of service, or to otherwise protect our users and our site.

This information is collected through the use of "session cookies." AEGISLink.com will not download permanent cookies onto your computer. For more information about the use of cookies at AEGISLink.com and other Web sites, please see section 6, below.

b. When You Register:

When you first register we request basic identification information, such as your name, e-mail address and location.  Each registration is for a single user only.  We do not permit you to share your user name and password with any other person nor with multiple users on a network.  Responsibility for security of your password rests with you.

You may also provide optional contact information and other unique data.

The information we collect will be used to enhance your experience within our site by helping us to deliver content and functionality we believe you will find interesting and helpful and to enable you to use the site easily, to provide you with information that you request from us or which we believe may interest you (where you have consented to being contacted for such purposes), to carry out our obligations arising from any contracts entered into between you and us, to allow you to participate in any interactive features of our services if you choose to do so, and to notify you about changes to our services.
Information that personally identifies you, or that can be used to personally identify you, such as your name, address, e- mail address, and telephone number may be shared amongst the AEGIS group and with persons or entities who may provide services to the AEGIS group but will not otherwise be shared with third parties, including advertisers; and will not be shared in the future unless we first obtain your consent.  [PLEASE CAN AEGIS CONFIRM THAT INFORMATION WILL NOT BE PASSED TO ANY THIRD PARTIES]

We may use your e-mail address and certain other information to send you targeted e-mail messages about new information, promotions and other news which we believe will be of interest to you. When you register, you will have the opportunity to choose not to receive these mailings. Of course, you can modify your registration information at anytime.
We may disclose your personal information to third parties in the event that we sell or buy any business or assets, in which case we may disclose your personal data to the prospective buyer or seller of such assets, or if we are under a duty to disclose or share your personal data in order to comply with any legal obligation, or in order to enforce or apply our terms of use, or to protect the rights, property or safety of AEGIS, our members, policyholders, website users, or others.  This includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction.

3. Links Outside AEGISLink.com:

We provide links to other Web sites that contain information that we believe you will find valuable. However, we have not investigated the privacy or security policies of those linked Web sites and cannot guarantee and should not assume those sites have a privacy policy equivalent to ours. In the event that you follow a link that takes you off our Web site, a new pop-up window will open, identifying that you are linking to a third party site. AEGIS will not transfer any of your personally identifiable information to the third party site. If you have any questions regarding the privacy policies of sites we link to, or questions about data collected by those sites, you must contact the appropriate people at those sites directly.

4. Content Provided by One of Our Partners:

In some cases, we will offer content from one of our partners. We have selected this information because it is of the highest quality and we hope it will be of high value to you. Although it will be presented within the context of our site, the partner owns the content and is solely responsible for it.

It is possible that the partner will collect personally identifiable information about you through your use of the partner's content on our site. If you have any questions regarding the privacy policies of our partners or about the information they collect from our site, you must contact them directly.

5. Surveys:

We offer voluntary online surveys to ask for feedback about our site. In some cases, surveys are designed to gauge our members' opinions on specific topics. In others, we explore our members' views on the site and its features and functions. Individual member or personally identifiable information obtained from surveys is not released to third parties.

6. Cookies:

Cookies are small files a Web site transfers to your computer's hard drive for record- keeping purposes. We use cookies to recognize you throughout your visit to our site and make your session more productive. Through the use of cookies, we can keep track of where you are in a particular function, and direct you to other information you might find useful.

You may configure your browser to refuse all cookies. However, doing so will not allow us to provide you with tailored information and enhance your experience on our site.  Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you log on to our site.
7. Where we store your Personal Data;
The data that we collect from you may be transferred to, stored at, or processed by our staff at any destination worldwide, including outside the European Economic Area ("EEA"). By submitting your personal data, you agree to this transfer, storing or processing. We will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this privacy policy.
Unfortunately, the transmission of information via the internet is not completely secure. Athough we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to our site; any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorised access.
We shall retain your information for a reasonable period or as long as the law requires.



8. AEGISLink.com Security:

AEGISLink.com makes every possible effort to protect your online information using Secure Sockets Layer (SSL) technology. SSL encrypts information as it travels between your browser and our site so it cannot be intercepted in transit. While no method of encryption is completely secure, AEGISLink.com continuously evaluates new security methods and products to protect your information.

9. Opting Out of Communications:

When we request user registration information, our site allows users to opt out of receiving communications from AEGISLink.com or our partners. You can also opt out at any time by mailing to:
AEGISLink Site Administrator
1 Meadowlands Plaza
East Rutherford, NJ 07073

Questions and Concerns:

If you have any questions about the practices of the AEGISLink.com site, or your experience with this Web site, or you wish to make any necessary changes to ensure that your information is accurate and kept up to date please contact:
AEGISLink Site Administrator
1 Meadowlands Plaza
East Rutherford, NJ 07073

10. Changes to our privacy policy:

This privacy policy may change so please refer back to this policy from time to time.

If you feel that this company is not abiding by its posted privacy policy, you should contact:
Mary Ellen Lenahan
Vice President, Legal Division
AEGIS Insurance Services
1 Meadowlands Plaza
East Rutherford, NJ 07073
Or by e-mail at MaryEllenLenahan@AEGISlimited.com, or by telephone at 201.508.2756.