Privacy Policy

This Privacy Policy describes the privacy practices of the 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 the principles described below to protect your privacy:

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 information except as described below.

Second, you may access, modify or edit any of your information prior to its submission to us.

Third, 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, through the use of "session cookies," identify basic information about your computer, including, your type of computer and/or its operating system, the browser you are using and your computer's IP address.

b. When You Register:

When you first register we require 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.

The information we collect will allow you to participate in any interactive features of our service, including the online application, and 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, to carry out any obligations arising from any contracts entered into between you and us, and to notify you about changes to our services.

Information about you that has been collected is maintained in your policy and/or claims files. This information is used to process and service your policy and to settle claims. We may disclose this information to persons or organizations as necessary or desirable to perform transactions. For example, we may disclose this information to your agents and brokers, investigators, adjusters, attorneys and others who may become involved in processing your application, servicing your policy and any claims and with persons or organizations performing insurance functions for us. We may also share this information with other insurers involved in a claim, reinsurers, and regulators or as required in litigation or other method of dispute resolution.

Personal information will not be shared with advertisers.

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.

We may disclose your information to third parties in the event that we sell or buy any business or assets, in which case we may disclose your information to the prospective buyer or seller of such assets, or if we are under a duty to disclose or share your information 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

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 pop-up notification 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 Third parties:

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

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

5. Surveys:

We conduct online surveys to gauge our members' opinions on specific topics or views on the site and its features and functions. Individual member or personally identifiable information obtained from surveys will not be 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.

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 reasonable steps designed 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 and we cannot guarantee the security of your data transmitted to our site; any transmission is at your own risk.

We shall retain your information for a reasonable period or as long as the law requires.

8. Opting Out of Communications:

When we request user registration information, our site allows users to opt out of receiving communications from or our partners. You can also opt out at any time by mailing to:

AEGISlink Site Administrator

AEGIS Insurance Services, Inc.

1 Meadowlands Plaza

East Rutherford, NJ 07073


9. Questions and Concerns:

If you have any questions about the practices of the 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

AEGIS Insurance Services, Inc.

1 Meadowlands Plaza

East Rutherford, NJ 07073


10. Changes to Our Privacy Policy:

AEGIS reserves the right to change this privacy policy in its discretion and without notice, 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:

Mark A. Walsh

Senior Vice President & General Counsel

AEGIS Insurance Services, Inc.

1 Meadowlands Plaza

East Rutherford, NJ 07073

Or by e-mail at, or by telephone at 201.508.2676.