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ACCEPTANCE OF TERMS

This Web Site is owned and maintained by ACE Group Holdings, Inc. and/or one or more of its affiliates (the "Owner", “we”, “us” or “our”) within the ACE Group of Insurance and Reinsurance Companies (collectively, the “ACE Group”).  The ACE Group is comprised of insurance and reinsurance companies that are licensed or otherwise approved to transact insurance and/or reinsurance business in various countries and jurisdictions around the world. The ACE Group also includes companies that provide services to the insurance industry and other customers.

The information contained in this Web Site Privacy Statement is not for use within any country or jurisdiction or by any persons where such use would constitute a violation of law. If this applies to you, you are not authorized to access or use any of the information on this Web Site.

By using this Web Site or any ACE Group web site (unless otherwise provided for on a particular web site), you are agreeing to be bound by the terms of this Web Site Privacy Statement and our Terms of Use. Please review the terms of this Web Site Privacy Statement from time to time, as we reserve the right to modify or amend this Web Site Privacy Statement or our Terms of Use at any time.

The ACE Group strongly believes in maintaining the privacy of nonpublic personal information we collect from individuals who visit our web sites. We want you to understand how and why we collect, use and disclose the personal information about you on our web sites. This Web Site Privacy Statement provides information concerning ACE Group’s practices and procedures as they relate specifically to information we collect at this Web Site.

PERSONAL INFORMATION WE COLLECT AND USE AT THIS WEB SITE

We do not collect any personal information about you at our web sites unless you choose to provide it to us voluntarily. We define “personal information” as information that is unique to you and might include your phone number, name, age, address or Social Security number. If you encounter a screen or page that requests information you do not want to share with us, do not enter the information and do not proceed with that screen or page.

If you do provide us with personal information, we will use it only for the purposes described where it is collected, and we will not sell, license, transmit or disclose this information outside of the ACE Group unless (1) you expressly authorize us to do so, (2) it is necessary to allow our contractors or agents to provide services for us, (3) in order to provide our products or services to you, (4) it is disclosed to entities that perform marketing services on our behalf or to other entities with whom we have joint marketing agreements, (5) in connection with a merger, consolidation, acquisition, divestiture or other corporate restructuring, or (6) otherwise as we are required or permitted by law.

CONFIDENTIALITY AND SECURITY

We restrict access to personal information collected about you at our web sites to our employees, our affiliates' employees, or others who need to know that information to provide services to you or in the course of conducting our normal business operations. We maintain appropriate administrative, technical and physical safeguards to protect personal information. When you enter sensitive information (such as a credit number or social security number) on our web sites, we encrypt that information using secure socket layer technology (SSL) or similar technology during its transmission to our web site. However, please be advised that electronic communications, including the internet, are not completely secure, and we cannot guarantee the security of your information conveyed in this manner.

YOUR RIGHT TO VERIFY THE ACCURACY OF INFORMATION WE COLLECT

Keeping information accurate and up to date is important to us. An individual may see and correct their personal information that we collect except for information relating to a claim or a criminal or civil proceeding. Contact us at the address provided below if you wish to verify your personal information.

LINKS TO OTHER SITES

For your convenience we may provide links to other web sites and web pages that we do not control. We cannot be responsible for the privacy practices of any web sites or pages not under our control and we do not endorse any of those web sites or pages, the services or products described or offered on such web sites or pages, or any of the content contained on those web sites or pages. Before providing any personal information to such web sites, please be sure to carefully review the web site’s privacy policy.

USE OF “COOKIES” OR OTHER DATA COLLECTION TOOLS

A cookie is a piece of information that a web server may place on your computer when you visit a web site. Cookies are commonly used by web sites to improve the user experience and have not been known to transmit computer viruses or otherwise harm your computer. Many cookies last only through a single web site session, or visit. Others may have an expiration date, or may remain on your computer until you delete them.

We may use cookies for a number of purposes -- for example, to maintain continuity during a user session, to gather data about the usage of our web site for research and other purposes, or to enable our servers to recognize your computer so that your preferences and/or authentication credentials can be recognized and so you do not have to provide this information every time you return to our web site.

Our cookies will track only your activity relating to your online activity on this web site, and will not track your other Internet activity. Our cookies do not gather personally identifiable information.

You can decide if and how your computer will accept a cookie by configuring your preferences or options in your browser. However, if you choose to reject cookies, you may not be able to use certain of our online products and services or web site features.

We may occasionally use other companies to set cookies on our web sites and gather cookie information for us. In some cases we may also use another company to operate web servers for our web site. We use the cookie information gathered by these companies in the same manner as stated above.

In addition to cookies, we may also use other means of passively collecting non-personally identifiable data about your use of our web sites, such as through the use of “clear GIFs” (small pieces of data that may be embedded in images on our web sites that enable us to track your usage of our web sites) and analyzing “click stream” data (the virtual trail you leave behind while browsing the Internet and viewing our web sites). We only use clear GIFs and click stream data to gather anonymous data about your visit to our web sites. Blocking cookies will prevent clear GIFs from tracking your activity, and also prevent us from collecting certain other anonymous unique information, such as your IP address, but the clear GIF will still account for an anonymous visit.

In addition to the information we collect from cookies, from clear GIFs, through the analysis of click stream data and any other means we may employ to collect non-personally identifiable information about you or your visits to our web sites, we may also obtain anonymous information which you provide to us online -- for example, when you use our tools and calculators.

We reserve the right to use and share aggregate and anonymous data (including data aggregated from you and other users of our web sites, tools and calculators) for any purpose and with any third parties, unless prohibited by law.

CHANGES TO OUR WEB SITE PRIVACY STATEMENT

We may change this Web Site Privacy Statement at any time and from time to time. Any amendments or modifications to this Web Site Privacy Statement will become effective immediately upon posting. Your continued use of any of our web sites following the posting of a revised version of this Web Site Privacy Statement will constitute your acceptance of the revised Web Site Privacy Statement. If you do not agree with the revised Web Site Privacy Statement, do not use any of our web sites.

CONTACTING US

If you wish to verify your personal information, or if you have any questions about this Web Site Privacy Statement or would like to learn more about how we protect your privacy, please write to us at ACE Group Holdings Corporate Communications c/o Web Manager, 1133 Avenue of the Americas, 44th floor, New York, N.Y. 10036.

Last Updated: August 22, 2011