Privacy

VacationGuard considers privacy with the utmost of seriousness and is strongly committed to protecting the privacy of visitors and users of our site and services.

Safe Harbor Data Privacy Notice
VacationGuard adheres to the Safe Harbor Principles published by the U.S. Department of Commerce (the "Safe Harbor Principles") with respect to personal information (as defined below) it receives from the European Union.

This notice outlines our general policy and practices for implementing the Safe Harbor Principles, including the type of information to which this notice applies, how we use personal information, and the choices individuals have regarding our use of, and their ability to correct, that personal information. If there is any conflict between the policies in this notice and the Safe Harbor Principles, the Safe Harbor Principles will govern.

This notice applies to all personal information we handle, including on-line (except as noted below), off-line, and manually processed data. For purposes of this notice, "personal information" means data that:

• is transferred from the European Union to the United States;
• is recorded in any form; and
• is about, or pertains to, a specific individual who is identified in, or is identifiable from, the data.

"Sensitive information" is a subcategory of personal information. Sensitive information is defined as personal information specifying medical or health conditions, racial or ethnic origin, political opinions, religious or philosophical beliefs, trade union membership, or the sex life of the individual. Sensitive information also includes personal information received from a third party where the third party treats and identifies it as sensitive.

Safe Harbor Principles Regarding Personal Information
Notice and Choice

We notify individuals about the personal information we collect from them, how we use it, and how to contact us with privacy concerns. We obtain personal information only as permitted by the Safe Harbor Principles or with the consent of the individual affected. Consent for personal information to be collected, used, and/or disclosed in certain ways may be required in order for an individual to obtain or use our services. To the extent permitted under the Safe Harbor, we reserve the right to process personal information in the course of providing professional services to our clients without the knowledge of individuals involved.

Collection of Data
VacationGuard is committed to protecting personally identifiable information (PII) furnished by, or collected from, guests and plan-holders while accessing our on-line systems or personal representatives. We may have to ask you for your information so we can process your specific request(s). At no point will anyone from VacationGuard ever contact you to request your personal banking information.

Disclosures and Transfers
We do not disclose personal information to third parties, except when one or more of the following conditions is true:

• We have the individual's permission to make the disclosure;
• The disclosure is permitted by law or mandatory professional standards;
• The disclosure is reasonably related to the sale or other disposition of all or part of our business or assets;
• The personal information to be disclosed is publicly available;
• The party to whom the disclosure is made controls, is controlled by, or is under common control with VacationGuard;
• The disclosure is reasonably necessary for the establishment or maintenance of legal claims; or
• The disclosure is to persons or entities for whom we are providing services, provided the disclosure is consistent with the purpose for which the personal information was obtained.

We will comply with the Safe Harbor Principles with respect to disclosures of sensitive information, including, when applicable, obtaining the explicit consent of the individual prior to disclosing sensitive information to a third party or using sensitive information for purposes other than those for which it was originally collected or subsequently authorized by the individual. Transfers of information permitted under this notice, either to third parties or within VacationGuard, include the transfer of data from one jurisdiction to another, such as transfers to and from the United States of America.

Offers and informational updates
We may mail, e-mail, telephone, or contact you by other means to notify you of new products, services, or content meant as educational that is available as a result of your purchase of VacationGuard products, inclusive of mailings or other communications from our insurance carrier partner, Nationwide®. You may decline similar future communications by following the opt-out directions included with these offers.

We do not provide, extend, sell or offer your information to any non-affiliated outside parties, unless required to do so under Disclosures & Transfers

Technologies
VacationGuard uses cookies and other electronic tools to allow you to service your plan faster and easier. A cookie is a small text file passed to your browser from a web server and stored on you computer. Our cookie will assign your computer a unique identifier, which becomes you unique key whenever you return to the VacationGuard web site, however, this cookie will not follow you when traveling on the Internet, nor provide us any information related to same.
Cookies will customize your on-line experience with us by:

• If applicable, helping remember your user name and password for future visits so log-in is easier and faster
• Providing access to and loading of your information or screens in a faster manner, without having to sign in or authenticate each screen or request.

Cookies can be disabled by you on your machine, following the instructions provided by your software platform; however, rejecting cookies will slow down and affect your ability to perform transactions perceived as customized and value-added on our web sites.

Data Security, Integrity, and Access
We employ physical, electronic, and managerial measures, including education and training of our personnel, designed to provide the personal information in our possession with reasonable protection from accidental loss or destruction, improper use, alteration, or disclosure. Personal information collected or displayed through a Web site is protected in transit by industry standard encryption processes. However, we cannot guarantee the security of personal information accessible on or transmitted via the Internet.

We process personal information in ways compatible with the purpose for which the personal information was collected, or as otherwise authorized by the individual. To the extent necessary for such purposes, we take reasonable steps to make sure that personal information is accurate, complete, current, and otherwise reliable with regard to its intended use.

If an individual becomes aware that personal information we maintain about that individual is inaccurate, or if an individual would like to update or review his or her personal information, the individual may contact us using the contact information below. As a security precaution, we may request that the individual provide identifying information such as name, address, birth date, and/or social security number. In addition, we may limit or deny access to personal information where providing such access would be unreasonably burdensome or expensive in the circumstances, or as otherwise permitted by the Safe Harbor Agreement. In some circumstances, we may charge a reasonable fee, where warranted, for access to personal information.

Accountability and Enforcement
We established a program to monitor our adherence to the Safe Harbor Principles and to address questions and concerns regarding our adherence.

With respect to any dispute relating to this notice that cannot be resolved through our internal processes, we will cooperate with competent European Union data protection authorities and comply with the advice of such authorities. In the event that we or such authorities determine that we did not comply with this notice, we will take appropriate steps to address any adverse effects and to promote future compliance.

Amendment
We may amend this notice from time to time by posting a revised notice on this Web site, or a similar Web site that replaces this Web site. If we amend the notice, the new notice will apply to personal information previously collected only insofar as the rights of the individual affected are not reduced. So long as we profess to adhere to the Safe Harbor Principles, we will not amend this notice in a manner inconsistent with the Safe Harbor Principles.

Information Subject to Other Policies
We are committed to following the Safe Harbor Principles for all personal information, as that term is defined herein. Other information we receive may be subject to policies that may differ in some respects from the policies set forth in this notice. Certain of our Web sites have their own privacy policies that apply specifically to those Web sites. Those policies may be accessed through the Web sites in question. Information relating to present or former VacationGuard personnel is subject to our policies concerning personnel data privacy, which are available to present and former VacationGuard personnel upon request. Information obtained from or relating to clients or former clients is further subject to the terms of any privacy commitment made to the client, any agreements with the client, and/or any applicable laws and professional standards.