Privacy Policy

Mitsui Sumitomo Marine Management (U.S.A.), Inc. ("MSMM", which includes MSIG Holdings (Americas), Inc., Mitsui Sumitomo Insurance Company of America, Mitsui Sumitomo Insurance USA Inc., and Aioi Nissay Dowa Insurance Company of America) respects the privacy of our customers and our web site visitors. We use information you provide to better serve your insurance needs. We also recognize that this information belongs to you and that we must treat it accordingly. The following statement spells out our privacy policy in more detail. The privacy policy only applies to www.MSIGUSA.com.

Our Use of Personal and Non-Personal Information

We collect two kinds of information about our on-line visitors, personal and non-personal information. Visitors are not required to register to access the public pages of MSMM's sites. Non-personal information is collected to track the total number of guests visiting MSMM's sites and to guide our efforts to improve our sites. The non-personal information we monitor includes areas of the sites visited; date of access, and identification of the referring site. This information is used exclusively for our internal purposes and is not disclosed to any non-affiliated third parties except our producers.

Personal information that can identify a visitor, such as name, address or policy information is collected only when voluntarily offered and solely for purposes that are clearly identified on our sites. Access to pages with content specific to agents, brokers or customers is password-protected and requires pre-registration. Personal information acquired through registration is kept confidential and will not be disclosed to third parties except as may be required by law, to comply with a subpoena, court order or other regulatory or governmental requirement, or as necessary for business purposes and audit certifications under an appropriate confidentiality agreement. MSMM does not seek personal information from children.

Our Use of Customer Information

MSMM 's policy is to limit access to customer information to those who need it to serve customers' insurance needs. We do not disclose customer information to third parties other than our agents and brokers, except as necessary to conduct business, e.g., settling claims. We do not conduct direct on-line or telephone sales programs to our customers using information obtained from our web sites without prior consent.

Our Use of "Cookies"

Cookies are pieces of information that a web site transfers to an individual's computer hard drive for record-keeping purposes. MSMM does not place electronic "cookies" in the browser files of a guest's computer.

Internet Communication

The privacy of communication over the Internet cannot be guaranteed, because the Internet is not a secure medium. MSMM does not assume any responsibility for any harm, loss, or damage you may experience or incur by the sending of personal or confidential information over the Internet by or to MSMM.

Security

MSMM maintains physical, electronic, and procedural safeguards to guard your personal information from unauthorized access. MSMM will use industry-standard encryption technologies when transferring confidential medical and claims information. Authorized/registered users will be redirected to a secure server. Depending on the browser/browser setting, a pop up screen may appear notifying the visitor of a secure environment inside our web site.

Consent

By using this site, you signify your consent to MSMM's on-line privacy policy. If you do not agree to this policy, please do not use this site. We reserve the right, at our discretion, to update, change, modify, add, or remove portions of this policy from time to time. Any changes to this privacy policy will be promptly disclosed in this area.

Contact

Any questions or concerns about this privacy policy, including access to and correcting your personal information, contact MSMM's Privacy Officer by sending an email to jmcghghy@msigusa.com or by mail sent to following address:

Mitsui Sumitomo Marine Management (U.S.A.), Inc.
Attention: Privacy Officer
Privacy Inquiries
312 Elm Street, Suite 1100
P.O. Box 5435
Cincinnati, Ohio 45201-5435

MITSUI SUMITOMO INSURANCE®