Thank you for visiting the AmRisk website and reviewing our Legal Notices & Privacy Policy, including our terms and conditions of use, and intellectual property rights policy. Your privacy is of great importance to us and our Website has been developed with that in mind. We recognize your right to know what information is being collected about you and how that information will be used, as well as our legal obligations to limit collection and protect what we do collect. It is important to read the following terms of use. Your use of this Website constitutes your agreement to abide by these terms.

LEGAL NOTICES

AmRisk Insurance & Financial Services (“AmRisk”) Online Terms And Conditions Of Usage. Thank you for visiting the AmRisk website and reviewing our Legal Notices and Privacy Policy, including our terms and conditions and us intellectual property rights policy. Your privacy is of great importance to us and our Website has been developed with that in mind. We recognize your right to know what information is being collected about you and how that information will be used, as well as our legal obligations to limit collection and protect what we do collect. It is important to read the following terms of use. Your use of this Website constitutes your agreement to abide by these terms.

1. The AFIG Website is created and designed for the purpose of communicating general information with users of the Internet by electronic means.

2. The AFIG Website should not be relied upon for on-line technical assistance or any other emergency services and is in no way designed to serve as an alternative to the technical support services provided by AmRisk or independent third-party technical support services.

3. EQGROUP.COM, The Equestrian Group and The Equestrian Group Logo are all service marks and/or copyrights owned by AmRisk Insurance & Financial Services ALL RIGHTS RESERVED. All materials published on this website are protected by copyright, and owned or controlled by the AFIG, or the party listed as the provider of the content, software or other materials.

4. AmRisk reserves the right to modify, update or alter these Terms of Use at any time. Your continued use of the website constitutes your agreement to comply with such modifications. You may not advertise or solicit on these pages without AmRisk’s express written permission. This publication is distributed internationally and may contain references to AmRisk products, programs and services that have not been announced in your country. These references do not imply that AFIG intends to announce such products, programs or services in your country.

5. Communications made through this website’s e-mail and messaging system shall in no way be deemed to constitute legal notice to AmRisk or any of its agencies, officers, employees, agents, or representatives, with respect to any existing or potential claim or cause of action against AmRisk or any of its agencies, officers, employees, agents, or representatives, where notice to the AFIG is required by contract, or any federal, state or local laws, rules, or regulations.

6. This website may be used as intended by AmRisk for its authorized purposes. Unauthorized use or modification of any information stored on this website may result in criminal and/or civil prosecution under Federal, State, and local law. AmRisk and its agents may monitor and audit the usage of this system, and all persons are hereby notified that use of this system constitutes consent to such monitoring and auditing.

7. UNAUTHORIZED COPYING, REPRODUCTION, REPUBLISHING, UPLOADING, DOWNLOADING, POSTING, TRANSMITTING OR DUPLICATING ANY OF THE MATERIAL IS PROHIBITED. You may download or copy any downloadable materials displayed on the website for the specified uses only, provided that you maintain all copyright, trademark and other notices contained in such material and you agree to abide by all additional copyright notices, information or restrictions contained in any material accessed through the website. Commercial use, copying, or unauthorized distribution of the website materials is prohibited without the prior written permission of AmRisk. Except as may be otherwise indicated in specific documents within this publication, you are authorized to view, copy, print, and distribute documents within this publication, subject to your agreement that:

1. Your use is for informational and noncommercial purposes only;
2. You will not modify the documents or graphics;
3. You will not copy or distribute graphics separate from their accompanying text, nor will you quote materials out of their context;
4. You will display the above copyright notice and retain any other copyright and other proprietary notices on every copy you make; You acknowledge that AFIG has not conferred upon you by waiver, estoppel or otherwise, any license or right under any patent, trademark or copyright (except as expressly provided above). You agree that AFIG shall free to use any ideas, concepts or techniques contained in your response for any purpose whatsoever including, but not limited to, developing, manufacturing and marketing products incorporating such ideas, concepts or techniques.

8. You shall not restrict or inhibit any other user from using and enjoying any service conducted on this website, nor shall you upload, transmit, distribute or otherwise publish on the website (i) any unlawful, threatening, abusive, defamatory, obscene, vulgar, pornographic, profane or indecent materials; (ii) any materials which infringe any intellectual property right of any third party or advertise or otherwise solicit funds or is a solicitation for goods and services; or (iii) any materials containing a computer virus or other harmful component. While AmRisk has no obligation to monitor the website and is not responsible for the content of any messages, information or files transmitted on the website, AmRisk reserves the right to delete, move, edit, refuse to post or take other appropriate action with respect to such messages, information or files which AFIG, in its sole discretion, deems objectionable or otherwise in violation of these Terms of Use.

9. The information provided on this Site, and links to other related websites, are provided as a courtesy to AmRisk website visitors only, and are in no manner an endorsement, recommendation or approval of any person, any product or any service contained on any other Website. AmRisk recognizes the importance of protecting the information that we collect from customers during the process of registering for a service, product, newsletter, or membership area in the AmRisk website. It is our policy to use the information we acquire through the registration process or through user postings at our sites for internal business uses only, and we maintain appropriate security measures to keep this information private. Gathering this information helps us develop websites and products to meet your needs. You should be aware that personal information–such as your name or e-mail address–that you voluntarily disclose are accessible to other users could be collected and disclosed by others. AmRisk cannot take any responsibility for such collection or disclosure. By accessing this website, you also agree to allow us to send you communications or emails offering products, goods, services or other valuable information.

10. AmRisk is neither responsible nor liable for any viruses or other contamination of your system nor for any delays, inaccuracies, errors or omissions arising out of your use of the website or with respect to the material contained on the website, including without limitation, any material posted on the website. THIS WEBSITE AND ALL MATERIALS CONTAINED ON IT ARE DISTRIBUTED AND TRANSMITTED “AS IS” WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION, WARRANTIES OF TITLE OR IMPLIED WARRANTIES OF MERCHANTABILITY OF FITNESS FOR A PARTICULAR PURPOSE. AFIG IS NOT RESPONSIBLE FOR ANY SPECIAL, INDIRECT, INCIDENTAL OR CONSEQUENTIAL DAMAGES THAT MAY ARISE FROM THE USE OF, OR THE INABILITY TO USE, THE WEBSITE AND/OR THE MATERIALS CONTAINED ON THE WEBSITE, WHETHER THE MATERIAL IS PROVIDED BY AFIG, OR A THIRD PARTY.

11. AmRisk operates this website from its office in Maricopa County, Arizona and makes no representations that materials in this website are appropriate or available for use in other locations. If you access this website from other locations, you do so at your own risk and are solely responsible for compliance with any and all applicable laws, rules and regulations. The display of this website alone, by AmRisk, does not subject AmRisk to any specific jurisdiction.

12. This Agreement shall be governed by, construed and enforced in accordance with the laws of the State of Arizona as applied to agreements made and to be performed entirely therein. Any action brought to enforce the Agreement or in connection with this website shall be brought in either the state or federal courts in Maricopa County, Arizona. PRIVACY STATEMENT: Our Internet privacy policy is: You do not have to give us personal information to visit our site. We collect personally identifiable information (name, email address, or other unique identifier) only if specifically and knowingly provided by you. In some cases, the personally identifiable information you provide will be used to merely respond to your electronic inquiry and will not be maintained. If we ask you to provide personally identifiable information in order to take advantage of AmRisk services and we maintain that information, you agree to be bound to this Privacy Act statement before transmission of your information to us. In this statement we advise you of the purposes for collecting the information and the potential uses of it. Information is commonly collected for statistical purposes and AFIG sometimes performs analyses of user behavior in order to measure customer interest in the various areas of our site. We will disclose this information to third parties only in aggregate form. Further, AmRisk uses cookies (a file placed on your hard drive by a Web site that allows it to monitor your use of the site) for limited purposes that enable your use of and improve the functionality of our Web site. Information collected and stored automatically If you do nothing during your visit but browse through the website, read pages, or download information, we will gather and store certain information about your visit automatically. This information does not identify you personally.

We automatically collect and store only the following information about your visit:

1. The Internet domain (for example, “xcompany.com” if you use a private Internet access account, or “yourschool.edu” if you connect from a university’s domain) and IP address (an IP address is a number that is automatically assigned to your computer whenever you are surfing the Web) from which you access our Web site;

2. The type of browser and operating system used to access our site;

3. The date and time you access our site;

4. The pages you visit; and

5. If you linked to the eqgroup.com Web site from another Web site, the Internet address of that Web site. We use this information to help us make our site more useful to visitors, to learn about the number of visitors to the different sections of our site, what information is of most and least interest, and technical information that will enhance ease of use, such as, the types of technology our visitors use and system performance or problem areas. Information collected from emails and on-line forms. Some of our Web pages allow you to send us an email.

If your email message includes personally-identifying information, for example, in an electronic mail message containing an inquiry, we will use that information to respond to your inquiry. In addition, in some cases, it may be used to send you follow-up information about postal products and services in which you have expressed an interest. Remember that e-mail is not necessarily secure against interception. If your communication is very sensitive, or includes information such as your bank account, charge card, or social security number, you should send it by mail unless our Web site indicates the particular site is secured.

Security — Detection of unauthorized intrusions. For site security purposes and to ensure that this service remains available to all users, our computer system employs software programs to monitor network traffic to identify unauthorized attempts to upload or change information, or otherwise cause damage. Except for authorized law enforcement investigations, no other attempts are made to identify individual users or their usage habits. Significant actions when information enters a System of Records. Some of our websites allow you to purchase products and services or request information electronically. In those instances, we will collect the information needed to fulfill your order or request, just as though your order or request had been made on paper. That information will be maintained and protected in accordance with the Privacy Act, 5 U.S.C. 552a, which means that if you have sent it in a secured manner, it will be secured in transit to us and once received.

Before transmitting the information to us, you will be given a Privacy Act statement similar to this statement that tells you the purpose for collection and the potential disclosures that may be made of the information you provide. We will let you know those circumstances in which it may be necessary to make a disclosure, such as to a government agency for law enforcement or other official need.

PRIVACY POLICY

OUR PRIVACY POLICIES AND PRACTICES

1. PERSONAL INFORMATION COLLECTED FROM OR ABOUT YOU
We collect nonpublic personal information about you from the following sources: · Information that you provide us on applications and other forms such as your name, address, phone number and insurance coverage information. · Information about your transactions with us and our service providers and from the insurance companies we contact to underwrite your insurance. · Information we receive from the Department of Motor Vehicles, inspection services or other consumer reporting agencies. · Information contained in medical records or from medical professionals that is related to insurance claims. · We may collect nonpublic personal information from individuals other than those proposed for coverage. We use the information we collect to issue and administer insurance policies, process insurance benefits and claims, and provide services we think may be of interest to you. We also use the information as otherwise required or permitted by Federal or State law. We reserve the right to release information to others if needed to transact or effect an insurance transaction.

2. SHARING INFORMATION GATHERED
We do not disclose information about you to third parties whose only use of the information is to market a product or service. However, we may share information about you in the normal business of conducting insurance operations, such as providing you with an insurance quote, processing, servicing, and administering your insurance policy and your claims. We are permitted by law to share information about you when you become a customer or claimant with, for example: · A third party if the disclosure will enable that party to perform a business, professional or insurance function for us; · A third party that performs services for us, such as actuarial studies, appraisals, audits, claims investigations, inspections, reinsurance, or for the detection of fraud or misrepresentations; · Any of our affiliated companies; · A medical care institution or medical professional in order to verify coverage or benefits, or conduct an audit that would enable us to verify treatment; · Insurance regulatory authorities and reporting agencies; · The Arizona Department of Insurance, other regulatory authority, law enforcement agencies or other governmental authorities in order to protect our interests in preventing or prosecuting fraud, or if we believe that you have conducted illegal activities; · Persons or organizations conducting insurance actuarial or research studies, subject to appropriate confidentiality agreements; and · As otherwise permitted or required by law.

3. PROTECTING INFORMATION GATHERED
We restrict access to nonpublic personal information about you to those employees, agents and companies who need to know that information to provide products or services to you and to conduct our internal operations. This information is kept internal to Allen Financial Insurance Group, Inc. except when required or permitted by law and is not available to the general public. We maintain physical, electronic and procedural safeguards that comply with applicable regulations to guard your nonpublic personal information. Allen Financial Insurance Group, Inc. retains the information collected for as long as required by law or regulation.

4. YOUR RIGHT TO ACCESS AND AMEND YOUR PERSONAL INFORMATION
You have the right to request access to the personal information that we record about you. Your right includes the right to know the source of the information and the identity of the persons, institutions or types of institutions to whom we have disclosed such information within 2 years prior to your request. Your right includes the right to view such information and copy it in person, or request that a copy of it be sent to you by mail (for which we may charge you a reasonable fee to cover our costs). Your right also includes the right to request corrections, amendments or deletions of any information that is in our possession. The procedures that you must follow to request access to or an amendment of your information are as follows: To obtain access to your information: You should submit a request in writing to AmRisk Insurance & Financial Services, Attn: Legal Department, P.O. Box 6230 Scottsdale, AZ 85261. The request should include your name, address, social security number, telephone number, policy or account number, and the recorded information to which you would like access. The request should state whether you would like access in person or a copy of the information sent to you by mail. Upon receipt of your request, we will contact you within 30 business days to arrange providing you with access in person or the copies that you have requested. To correct, amend, or delete any of your information: You should submit a request in writing to AmRisk Insurance & Financial Services  PO Box 6230 Scottsdale, AZ  85261. The request should include your name, address, social security number, telephone, number, policy or account number, the specific information in dispute, and the identity of the document or record that contains the disputed information. Upon receipt of your request, we will contact you within 30 business days to notify you either that we have made the correction, amendment or deletion, or that we refuse to do so and the reasons for the refusal, which you will have the opportunity to challenge.

4. 5. OUR POLICY REGARDING DISPUTE RESOLUTION
Any controversy or claim arising out of or relating to our privacy policy, or the breach of our privacy policy, shall be settled by arbitration in accordance with the rules of the American Arbitration Association, and judgment upon the award rendered by the arbitrator(s) may be entered in any court having jurisdiction over the dispute.

4. 6. RESERVATION OF RIGHT TO DISCLOSE INFORMATION IN UNFORESEEN CIRCUMSTANCES:
In connection with the potential sale or transfer of its interests, AmRisk Insurance & Financial Services and its affiliates (if any), reserve the right to sell or transfer your information (including but not limited to your name, address, age, sex, zip code, state and country of residency, and other information that you provide through other communications) to a third party entity that (1) concentrates its business in a similar practice, product or service; (2) agrees to be AmRisk Insurance & Financial Services’ successor in interest with regard to the maintenance and protection of the information collected; and (3) agrees to the obligations of this privacy statement.