The Mercer Insurance Group companies believe that the personal information we collect about our customers, potential customers, and proposed insureds (referred to collectively in this privacy Policy as "customers") must be treated with the highest degree of confidentiality. For this reason and in compliance with the law, the Mercer Insurance Group has developed a privacy policy. For purposes of this policy, the term "personal information" includes all information we obtain about a customer and maintain in a personally identifiable way. In order to assure the confidentiality of the personal information we collect and in order to comply with applicable laws, all individuals with access to personal information about our customers are required to follow this policy.

Collection, Retention and Correction of Personal Information about a Customer: We collect the personal information about a customer that we determine is necessary to deliver our products and services. The sale of personal information to a third party is not permitted.

We retain personal information only as long as required by our business practices and applicable law.

If we become aware that an item of personal information may be materially inaccurate, we will make reasonable effort to re-verify its accuracy and correct any error as appropriate.

Storage of Personal Information about a Customer: We have in place safeguards to protect data and paper files containing personal information.

Sharing / Disclosing of Personal Information about a Customer: We maintain procedures to assure that we do not share personal information with an unaffiliated third party for marketing non-Mercer Insurance Group products or services unless such sharing is permitted by law. Personal information may be disclosed to an unaffiliated third party for necessary servicing of the product or service or for other normal business transactions as permitted by law.

We do not disclose personal information to an unaffiliated third party for servicing purposes or joint marketing purposes without informing the third party of its duty maintain the confidentiality of the information. Unless a consumer consents, the Mercer Insurance Group companies do not disclose "consumer credit report" type information obtained from an application or a credit report regarding a customer who applies for a financial product to any unaffiliated third party for the purpose of serving as a factor in establishing a consumer's eligibility for credit, insurance or employment. "Consumer credit report type information" means such things as net worth, credit worthiness, life style information (piloting, skydiving, etc.) solvency, etc. The Mercer Insurance Group companies may share with other affiliated companies information that relates to the company's experiences and transactions with the customer.

We do not disclose to any unaffiliated third party a policy or account number for use in marketing.

Policy for Personal Information Relating to Mental or Physical Health of a Customer: We do not disclose mental or physical health information about a customer to any affiliated company or any unaffiliated third party unless the customer gives a written authorization or unless the disclosure is for any specific business exception provided in the law.

We do not use mental or physical health information about a customer in determining a customer's eligibility for a bank loan or other type of consumer credit card and will not use it for marketing. We use such information only for the specific purpose for which it was given to us and for purposes permitted by law.