You are a valued customer and we strive to meet your privacy concerns. We want to make sure your personal information is protected and that you understand the policies that protect you. There are several legal terms in our privacy policy that we are required to use. We’ve tried to provide easy-to-understand explanations of the most frequently used legal terms. You’ll find the same terms used in many companies’ privacy policies.

Assurant Services Ireland provides insurance, service contracts and membership products. Our products are offered on behalf of other companies and through our agents. These other companies may be banks; finance companies; retailers; utilities; automobile dealers; manufactured housing and mortgage companies. Those companies that qualify as financial institutions must give our Privacy Policy to you each year. If you have asked not to be solicited, that request is still in effect. You do not need to contact us again. This is not a solicitation. You do not need to respond.

This Privacy Policy gives you examples of the types of data we collect, use, share or disclose; and the kinds of companies with whom we may share such data. We will comply with The Irish Data Protection Acts 1988 and 2003 that may apply to data about you. Below is our privacy pledge to you:

Our Privacy Principles:

• We do not sell your personal information.
• We do not share customer information with anyone within the Assurant Solutions or Assurant Specialty Property group of companies unless you expressly authorise the sharing, or we are required to do so by law.
• We do not allow those with whom we do business to use our customer information for their own marketing purposes.
• We contractually require any person or business providing products or services on our behalf to safeguard our customer information.

Information We May Collect

Types of information we may collect and how we gather it:

• From you (or provided to us on your behalf), on applications and other forms you submit to us; for example: your name; address; telephone number; employer; and income.
• For your transactions with our companies or other nonaffiliated parties; for example: your name; address; telephone number; age; credit card use; insurance coverage; transaction history; claims history; and premiums.
• The information that you provide to us will be held on a computer, computer database, e-mail, imaged documents, files, and letter and/or in any other way. We will use this information to (i) administer and process any products /services you have purchased from us, (ii) administer any future agreements we may have with you, (iii) manage any claim notified by you or by a third party and (iv) for client services, research and statistical analyses.
• From consumer reporting agencies, public records and data collection agencies; for example: your obligations with others and your creditworthiness.
• From you when you enroll, request a service, or file a claim on one of our websites; for example: your name, address, contract number, credit card issuer and account number, personal identification number, e-mail address, service contract and claim information.
• In some cases, from your visits to our Internet websites; for example: session number and user ID. By reviewing the legal notice, terms of use, site agreement or similar named link appearing on any of our websites that you visit you may learn of any “cookies” utilized by us and of any additional information that may be collected from you on that site.

What is a cookie?

Cookies are small pieces of information, stored in simple text files, placed on your computer by a web site. Cookies can be read by the web site on your subsequent visits. The information stored in a cookie may relate to your browsing habits on the web page, or a unique identification number so that the web site can "remember" you on your return visit. Generally speaking, cookies do not contain personal information from which you can be identified, unless you have furnished such information to the web site.

How do we use cookies?

We use cookies to collect information about visitors' use of the website, including things like connection speed, operating system details, the time and duration visits and IP addresses. The information collected by cookies enables Bank of Ireland to understand the use of its site, including the number of visitors it has, the pages viewed per session, time exposed to particular pages etc. This in turn helps to provide visitors with a better experience. We will not attempt to personally identify visitors from their IP addresses.

Cookies will not be used to contact you for marketing purposes other than by means of advertisements offered within our website. Cookies do not in any way compromise the security of your computer. Visitors can use this Website with no loss of functionality if cookies are disabled from the web browser.

Information We May Disclose or Share and with Whom

We may share customer information with other entities as needed to deliver products and services to you, provide customer service, or handle your account.

Rights of Customers

You have the right of access to the personal data we hold about you by sending a written request to Data Protection, Assurant Services Ireland Ltd, Cork Business & Technology Park, Model Farm Road, Cork, Ireland, and on payment of a fee of €6.35. You also have the right to require us to correct any inaccuracies in the information we hold about you.

Our Security Procedures

We restrict access to customer information to those employees whom we know have a valid business purpose to have access to such data. We maintain physical, electronic and procedural safeguards. We require those who provide services for us and to whom we provide your data to keep your information safeguarded and confidential.

Changes to this Privacy Policy

We reserve the right to change this Privacy Policy at any time. If we make material changes, we will provide current customers a new notice that describes our new practices and will post it on our Internet websites. Any comments regarding this Privacy Policy should be made in writing to the ‘Data Protection’ address above.