At Risk Reduction Insurance Services, LLC, ("RRIS") we respect the privacy of our web site visitors. We also recognize that the information you submit belongs to you and that we must treat it accordingly. We value our customers (Host and Policy Holders) and our website visitors and we also know how much privacy means to you. The following statement spells out our Privacy Policy in detail.

The Privacy Policy applies to www.age-insurance.com (A.G.E.™ and Asset Guard Endorsement™) only. If there are any material changes to this policy in the future, information concerning such change will be posted to this webpage.

OUR PRIVACY PRINCIPLES
We do not sell, rent or make public any customer (Host, current or past Policy Holders) or visitor information. We do not allow those who are doing business on our behalf to use our customer information for their own marketing purposes. We require any person or organization providing products or services on our behalf to protect RRIS/A.G.E™/Asset Guard Endorsement™ customer or visitor information unless:

• Expressly authorized by you; or
• It is required by law; or
• Your insurance policy contract with us permits us to do so.
• We provide our prospective and former customers the same protections as existing customers with respect to the use of personal information.

WHAT INFORMATION WE MAY COLLECT – PERSONAL AND NON-PERSONAL
We collect, use, and share information that we need to conduct our business, to advise you of our products and services, and to provide you with customer service. We collect two kinds of information about our on-line visitors, personal and non-personal information, which is required for the purposes defined herein and for those delineated below:

• From customers on their applications for insurance and through telephone or in-person interviews with your Host and our Customer Response Center, such as your address and telephone number.
• From your transactions or experiences with us; such as your payment history, underwriting and claim record.
• From those visiting www.age-insurance.com visitors are not required to register to access the public pages of our site, non-personal information is collected to track the total number of guests visiting our site. This non-personal information includes the browser type and operating system being used by our visitors; areas of the sites visited; date and time of access; host or service provider information, and identification of the referring site, if any. This information is used exclusively for our internal purposes and is not disclosed to any non-affiliated third parties except our Webmaster company.

Personal information that can identify a visitor or customer, such as name, postal or email address, telephone number, product coverage purchased or other policy information, is collected only when voluntarily offered and solely for the purpose of purchasing an A.G.E [Asset Guard Endorsement™) policy. 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.

USE OF COOKIES:
RRIS, LLC and A.G.E.™ (Asset Guard Endorsement™) may place an electronic "cookie" in the browser files of your residential host computer. Cookies are pieces of information that a web site transfers to an individual’s computer hard drive for record-keeping purposes. We use "cookies" to enhance you or your Host’s experience when visiting assetguardendorsement.com. "Cookies" are files we place in your residential host’s computer browser to store your web site preferences.

Our "cookies" are only used when you or your Host are visiting our site. By themselves, "cookies" do not tell us the Host, prospective, past or current customer or policyholder e-mail addresses or other personally identifiable information. "Cookies" help your Web site usage, and us to understand your Host’s so we can continually improve web site usability. For example, we may use "cookies" to personalize your Host’s experience at our Web site, if you have accepted this option (e.g., to remember your customer ID on the RRIS/ A.G.E.™ (Asset Guard Endorsement™) log-in page).

HOW WE USE INFORMATION ABOUT YOU
We use customer information, including consumer report information, to underwrite and/or rate your policies and products, process your claims, ensure proper billing and service your account. We share information about our transactions (such as payment of premium) and experiences (such as a slip and fall accident) within our RRIS/ A.G.E.™ (Asset Guard Endorsement™) family of companies to better serve you and to help meet your current product and service needs.

We may share information about you with persons or organizations inside or outside our family of companies as permitted or required by law, including sharing with companies that perform marketing, website or other services for us or with whom we have joint business or marketing agreements. We may also share customer information with consumer reporting agencies and with other entities as needed to handle your claim and to protect against fraud and unauthorized transactions. We do not sell information to any businesses or agencies.

WHY WE MAY SHARE YOUR INFORMATION
• To enhance our service to you;
• To underwrite and/or rate your policies and products;
• To serve your customer needs such as claim service;
• To measure your interest in our products or services;
• To research, develop, and improve our products;
• To monitor customer trends.

YOUR CHOICE TO SHARE INFORMATION: CONSENT By using this site, you signify your consent to RRIS/ A.G.E.™ (Asset Guard Endorsement™) (www.age-insurance.com) on-line privacy policy. If you do not agree to this policy, please do not use this site.