Privacy Statement

Since we value our customer's privacy, we share their concerns. This Privacy
Statement is provided after gathering information from yourself or other
sources. We want you to know that we respect your privacy; and we protect
your information.

• We do not sell customer information.
• We do not share your information with individuals, companies, or
  organizations outside Sinclair.
• We expect individuals or organizations providing services on our behalf to maintain the privacy of customer information. We also expect these
  individuals or organizations to use personal information only to provide
  services we have asked them to furnish.
• Our employees are instructed in matters regarding the requirement to
  protect customer information. To insure confidentiality we have established physical, electronic and administrative security procedures.

For Internet users:

This notice provides information concerning the use of our Website and
includes:

• Log on and use of online data collection files called “cookies";
• Data collection such as IP addresses (number assigned to a computer when using Internet) browser and platform versions, domain names, access time, referral data and website activity;
• Who should use our website;
• Security of data transmitted over Internet;
• Links and subsidiary sites.

Below are answers to questions you might have about privacy.

Are you wondering about what we do with personal information? Read below for answers to all the questions you might have concerning privacy. 

Customer or health information are not sold to other parties. Sinclair does
not share personal information with companies or organizations which could
use it to offer their products and services. Should our customers notice any
inappropriate use of personal information sharing, Sinclair would
immediately and efficiently put in place all procedures to end such a
situation. Even before the sharing of any medical information for marketing
purposes is considered, Sinclair insures that customers have given their
consent.

Only upon reception of your written consent can your agent or broker use
your personal information even if it is to assist you with your insurance
needs. If you have expressed interest in a product, feature or option,
Sinclair might contact you to offer relevant information. According to the
requirements of the conditions listed below, Sinclair may provide personal
information to individuals or organizations other than ours. This practice
would be enforced as authorized or required by law and might occur in the
following conditions: 

• Fulfilling a requested agreement;
• Implementing a policy;
• Marketing of our products;
• Investigating or handling claims;
• Detecting or preventing fraud;
• Participating in insurance support organizations. The information included in a report prepared by an insurance organization may be retained by that organization and issued to other individuals;
• Complying with requests from regulatory and appropriate law enforcement authorities.

These individuals or organizations may include:

• Our affiliated companies;
• Companies that provide marketing or management services on our behalf;
• Financial institutions with which we have a sales agreement for the
  provision of financial services;
• Other insurance companies. This procedure would only be considered to
  adequately provide services regarding an insurance transaction involving yourself;
• Independent claim adjusters;
• Businesses or firms that conduct actuarial or research studies;
• Individuals who request information pursuant to a subpoena or court order;
• Repair shops and recognized claim vendors;
• Your agent or broker, as appointed by you.

What sort of customer information do we have and where was it gathered?

The majority of the information gathered about yourself comes from you. When
you make certain queries you may enter information such as your name,
address, email address, telephone number, family member information,
credit/debit card number, automobile/property ownership and Social Security
Number. These entries pertain to an insurance application, a request for an
insurance, a request for information on our products and services and a
request for an insurance quote.  We gather information regarding the type of
services you purchase from Sinclair and our affiliates.  Examples of this
include premiums, account balance, and payment history. We may additionally
gather information from our Website. The information gathered includes your
activity while using our site and information transmitted by online data
collection files called “cookies” (see below). We may gather information
from outside sources such as consumer report agencies and health care
providers. The information we gather may include the following:

• Loss information reports;
• Motor vehicle reports;
• Credit reports;
• Medical information.

How do we protect your customer's personal information?

We expect any company with whom we share your personal information to use it only to provide the services we have asked them to furnish. Your personal information is additionally available at Sinclair. It is made accessible to
certain individuals but only for the necessity to provide services according to your needs. All our employees and agents are instructed in matters
regarding the requirement to protect your personal information. Privacy is a factor that is highly emphasized to the individuals who have access to
confidential information. Furthermore, we have established physical, electronic, and administrative procedures to insure that all your personal
information is kept confidential.

Should you choose to terminate your business relationship with Sinclair, we can guarantee that all personal information gathered will remain
confidential. Confidentiality will be maintained in respect to the terms of privacy outlined in this statement.

N.M. SIM Management Limited
Authorized Representatives for Sinclair Insurance Company Limited
Customer Inquiry Email

_____________________________

For Internet Users:

Our Website www.sinclairpremium.com provides information about our company, our products and services as well as our representative agencies and brokers. You may also make certain transactions through our website. This Privacy Statement applies to all users of sinclairpremium.com, even if you are not a Sinclair customer. 

As an Internet user you should be aware of the following:

What are cookies and how are they used?
Do you register activity while I am visiting your site?
Will I receive promotional emails from Sinclair?

While you are logged on to our site, we register IP addresses (number
assigned to a computer when using Internet), browser and platform versions,
domain names, access time, referral data (the last site or URL you visited
before logging into our site and the first site or URL you visit after
leaving our site), and your activity while using or navigating on our site.

As part of our services we also use cookies. A cookie is a file originating
from a Web server and transferred to your browser which is then stored on
your computer's hard drive. The file is returned to the Web server whenever
the browser detects an access request to a page from that server. Several
commercial Internet Websites use cookies.

While a protocol in the cookie file enables the site to label you as a user, it does not identify your name or address unless you have provided that information on Internet or otherwise and if your browser preferences are configured to do so automatically. In this case you can be identified by name, address or any other personal information. You may configure your browser to prevent the acceptance of cookies. However, refusing cookies may prevent you from using certain functions and you may have to repeatedly enter information to take advantage of services or promotions.

Generally, cookies allow us to identify you as a particular user and
therefore provide you with a more personalized service. We may also use
cookies to track and measure customer or user requests, queries,
preferences, interests, demographics, traffic patterns, Website usage,
audience size and repeated visits.  This information may also be used to
manage and customize our Website's content, presentation, and services in
order to improve our site, enhance customer services, and provide messages
suited to your needs.

As specified above, we may also use customer information to convey
promotional information concerning products, features, and options that we
believe may be of interest to you.  If your email address is available that
is where the information will be forwarded. If you do not wish to receive
our promotional emails you can inform us of your desire to be removed from
our mailing list by writing to Sinclair Insurance Company.