Privacy Stement

We value you as a customer and respect your right to privacy. We know that you purchase our products and services because you trust that we stand behind our promises. We pledge our commitment to treat your information responsibly. We created this privacy policy to show you that we are working hard to protect your privacy.

Information sharing and opt out
We do not sell your personal information to anyone for any reason. We do not share it, except for the reasons described below, which are permitted by federal and state law. Therefore, there is no need for you to opt out. If we change our policy, we will tell you and give you a chance to opt out before we share your information.

Confidentiality and security
We use physical and technical safeguards to protect your information. We restrict access to your information to those who need it to perform their jobs. Third-party business partners are bound by law to use the information only for our purposes. They may not disclose it or use it in any other way. We comply with all data security laws.

Collecting your personal information
We collect personal information about you from different sources. For example, we collect information you send us on applications and forms. We may collect information from a consumer-reporting or other agency's. This collection depends on the product or service you request.

Disclosing your personal information
We do not sell your information to anyone. We may disclose this information to a business that carries out services for us. We may disclose your information as required or permitted by law. We may disclose your information for a legal or regulatory purpose. These include the following types of information.

• We may disclose information we receive from you on applications or other forms. This may include your name, address, beneficiaries, Social Security number and family member information. This may also include assets, income, and the property address and value.
• We may disclose information we receive from a consumer-reporting agency or other report. This may include, your credit report, motor vehicle and driver data. This may also include medical and employment data, loss history reports, and other driver data. This disclosure depends on the products you select.
• We may disclose information to companies that perform marketing services on our behalf. As permitted by law, we may disclose some information to other financial institutions with which we have joint marketing agreements.

Web Links
It is important to note that other companies or organizations may have links on Palladium Web sites. We are not responsible for the collection, use, or security of information by the companies or organizations outside of Palladium. Please read the privacy policy of Web sites reached through the use of links from Palladium web sites.

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