When you come to a Fairmont Specialty web site, we log your current Internet address (this is usually a temporary address assigned by your Internet service provider when you log in), the type of operating system you are using, and the type of browser software used. In addition, we may keep track of what portions of the web site you are visiting. We aggregate this information to help us create a better experience for users of our web site. For example: we may upgrade those parts of the web site that are heavily visited or optimize the web site to work more efficiently with certain operating systems. This is all done without our knowing your name or other personal identifying information. When you visit a Fairmont Specialty web site you are anonymous, unless you chose to identify yourself to us.

You are not required to provide us with personal information to use our web sites, unless expressly stated. For example, certain features may require you to submit some personal information in order for those features to function as designed. Such information might include name, address, E-mail address, and phone number. Certain of our web sites may require you to provide identifying information and use individual passwords in order to access personal information.

If you do choose to provide us with personal information, you can be assured that such information is kept in secured databases. Fairmont Specialty treats this information as confidential. However, we may disclose this information to third parties when we believe it is necessary in order for us to conduct our business, or where such disclosure is required by law. For example, we may disclose information to others to enable them to perform business services for us relating to the products and services we offer, or who help us to evaluate requests for insurance or benefits.

We may also disclose this information to others: (i) to our affiliates so that they may offer you their respective products or services; (ii) to others outside of the Fairmont Specialty family of companies, such as marketing companies, to assist us in offering our products and services to individuals who apply for or obtain products and services from us; and (iii) to unaffiliated financial services companies with which we have a joint marketing agreement. For example, we may disclose information to another financial services company so that the company may offer its products or services to you. We do not make any other disclosures of personal information to other companies who intend to sell their products or services to you. For example, we will not sell your name or E-mail address to a catalog company.