Privacy Policy

REVISION DATE: January 10, 2020

INTRODUCTION
USLI and its subsidiaries, affiliates, and related entities (collectively, “USLI," "we," or "us") respect your privacy and are committed to protecting it through compliance with this General Privacy Notice (“Privacy Notice”). In accordance with that commitment, this Privacy Notice is intended to notify you of our practices for protecting, collecting, using, and disclosing your personal information.

For purposes of this Privacy Notice, “personal information” means any information that identifies or could reasonably be linked, directly or indirectly, with a particular individual or household. Personal information does not include publicly available information, deidentified data, or aggregate consumer information.

Please carefully read this entire Privacy Notice to understand our policies and practices regarding your personal information. Your use of our Website as well as our products and services will be deemed acceptance of our privacy policies and practices.

DATA SECURITY
We have implemented measures designed to secure your personal information from accidental loss and unauthorized access, use, alteration, and disclosure. Such measures involve strict physical, electronic, administrative, and procedural safeguards.

As part of USLI’s privacy policy, we restrict access to your personal information to those who need it to provide our products and services to you. Our employees are also trained to safeguard customer information. Furthermore, a “PRIVACY NOTICE,” is automatically included with all Personal Lines policies issued by USLI, which notifies our consumers of what information we collect about them, what information we disclose, who we disclose it to, and how we protect that information from unauthorized use or disclosure.

PERSONAL INFORMATION COLLECTED
Depending on the particular individual and business purpose, we may collect any of the following from you:

Identifiers and other personal information, including or regarding your name, characteristics protected under state or federal law, postal address, email address, telephone number, social security number, USLI account information, relevant medical, property and financial information, employment history, and insurance licenses, policy numbers and other coverages.

Additionally, we may collect commercial information, such as credit and claims history and motor vehicle reports, from consumer reporting companies.

PURPOSES OF COLLECTED PERSONAL INFORMATION
We may use personal information collected about you:

To process your application and quote
To service your policy and any claims you may make
To provide you with notices about your policy, including expiration and renewal notices
For various communications with you, as needed
To carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing and collection
To comply with applicable laws and regulations
In any other way we may describe when you provide the information
For any other purpose for which you provide it and/or consent

THIRD PARTIES/DISCLOSURE OF COLLECTED PERSONAL INFORMATION
We will not sell collected personal information to any third parties whatsoever. Additionally, we will only disclose personal information to third parties when required and permitted by law. For example, we may disclose collected personal information:

To agents, investigators, adjusters, appraisers, attorneys, and other individuals or entities involved in processing your application, issuing your quote, and servicing your policy and any claims you may make
To individuals or entities as necessary to perform transactions you request or authorize
To enforce or apply our agreements with you, including for billing and collection purposes
If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of USLI, our customers, and/or others
With state insurance departments or other governmental or law enforcement authorities if required by law or to protect our legal interests, including in cases of suspected fraud or illegal activities
If ordered by a subpoena or other court order
To the subsidiaries, affiliates, and related entities of USLI by virtue of their commonality of employees and systems

We issue a “NOTICE” to all third parties with whom we do business cautioning against the disclosure of personal information in connection with any agreements we may have with them and/or services they may provide to us.

While we have links to third party organizations and companies, a link does not constitute an endorsement of content, viewpoint, policies, products, or services of that website. Please be aware that USLI is not responsible for the privacy practices of those sites even though USLI’s logo may appear on those sites. This Privacy Notice applies solely to our website.

COOKIES/AUTOMATIC DATA COLLECTION
Cookies help promote functionality and to personalize your experience. Cookies are small text files automatically sent from a website the user is browsing and stored in the user's web browser. Some cookies are present only for the session, while other cookies persist for a pre-determined time. In some cases, the browser sends the cookie back to the server every time the user loads that website.

Our website uses cookies in a very limited manner. Cookies are used on our website only to collect account information from our agents. This allows our appointed customers to access secure areas of our website. Our website does not collect any other information from our appointed customers, nor does it collect any information whatsoever from other individuals.

Most browsers allow you to manage your cookie preferences with common options such as:

Enable or disable all cookies indefinitely (i.e., always accepted or always blocked)
Selectively block cookies
View and selectively delete cookies
Wipe all private data, including cookies
Block third party (tracking) cookies

Some browsers also have extensions or add-on tools for managing cookies and cookie permissions. For more information about managing or disabling cookies, check your browser or mobile device settings, and visit http://www.allaboutcookies.org.

CHANGES TO OUR PRIVACY NOTICE
We will occasionally modify our Privacy Notice as needed. Any changes will be incorporated into this Privacy Notice, and the most recent version of the Privacy Notice will always be posted on our website. The date the Privacy Notice was last revised is identified at the top of the page. You are responsible for periodically reviewing our website and this Privacy Notice for any changes. Your continued use of this website will be deemed acceptance of any such changes.

PRIVACY NOTICE APPLICABILITY
This Privacy Notice applies to all subsidiaries, affiliates, and related entities of USLI, specifically including:

United States Liability Insurance Company
Mount Vernon Fire Insurance Company
U.S. Underwriters Insurance Company
Mount Vernon Specialty Insurance Company
Radnor Specialty Insurance Company
Apogee Insurance Group
Gateway Underwriters Agency, Inc.
Gateway Specialty Insurance

This Privacy Notice merely supplements, and does not replace, other applicable privacy policies and procedures that relate to your business relationships with USLI.

CONTACT INFORMATION
For questions or comments regarding this Privacy Notice or our privacy practices, please write us at:

Attn: Legal and Compliance, Cybersecurity and Data Privacy
USLI
1190 Devon Park Drive
Wayne, PA 19087

You may also email us at [email protected].

NOTICE TO NONAFILLIATED THIRD PARTY CONTRACTORS

Available to nonaffiliated third party contractors (prohibiting against disclosure of nonpublic information in connection with agreements we have with them and/or in connection with services they provide for us).