Privacy Statement

Collection of Information

This is a secure site that is hosted by H&H Agency, Inc. representing Sterling Casualty Insurance Company. H&H agency, Inc. values their relationships with participating affiliated and nonaffiliated insurance producers posting a link to this site. Protecting the privacy of your information is of the greatest importance to us. When you visit and use this website your personal information is not automatically collected from you, nor is so-called cookie technology used to collect personally identifying information. This means that we will not know your name, your email address, or any other personally identifiable information just because you browse this H&H Agency, Inc. web site unless you:

• access the web site from a link in an email that we sent;
• obtain an insurance quotation, or
• purchase an insurance policy online via this site

When we do need to collect personally identifiable information from you, we will ask you to voluntarily supply us with the information we need. For example, if you would like to obtain a quote, we will ask you for information such as:

• name
• address
• phone number
• email address
• driver's license number
• date of birth

As an insurance provider, we are regulated by Federal and State laws protecting the confidentiality and security of your information, as well as our use and disclosure of it.

• Whether you are a current, former, or potential customer, H&H Agency, Inc. treats your personal information with the same high level of confidentiality and security.
• We never sell your personal information.
• We only share your personal information as necessary to provide the insurance products and services you have requested or to contact you about H&H Agency, Inc’s products and services.
• We DO NOT share information with third parties for marketing purposes.

Additional Information We Collect From You

This includes information you provide us when you apply for our products or request services, either on the Internet, by phone, or by other means. It may include information such as your vehicle information, driver's license number, driving history, current or former insurance information, gender, date of birth, marital status. It also includes information from your communications with us such as letters, telephone calls, and emails.

Use And Disclosure of Information

At H&H Agency, Inc., we gather information about you that may be used to process and service your insurance policy, settle your claims and offer you additional products and services that we think may be of interest to you, and as permitted or directed by you. Some of this may be nonpublic, personal information (information not available to the general public) that is provided by you, that we gather from transactions and communications with you, through services performed for you, that we obtain from third parties, or that we obtain through other means, all as permitted by law.

Information We Collect From Third Parties

This includes information we collect from insurance support organizations, such as consumer reporting agencies and other third parties. It includes information such as motor vehicle reports, demographic information, insurance histories, and claims reports. Information obtained from insurance support organizations may be retained by such organizations and disclosed to other persons as permitted by law.

H&H Agency, Inc. may also collect non-personally identifiable information about you, such as information related to your use of our web site, communication preferences, aggregated data relative to your web site visits, and responses to promotional offers and surveys.

You may be offered the choice not to submit your personal information or to decide what communications you want to receive from us. However, doing so may cause certain transactions to become affected. For example, not providing a name will prevent the processing of subscription requests.

Information We Disclose

H&H Agency, Inc. may disclose your information to others:

• when we have received your consent to do so;
• when we communicate with, insurance companies, who we have identified as a carrier that will address your insurance needs;
• when we report to California Department of Motor Vehicles;
• in situations where sharing or disclosing your information is required in order to offer you services you desire;
• when companies or service providers that perform business activities on behalf of H&H Agency, Inc. Online require such information (e.g., credit card processing, customer support services, market research administration or database management services);
• when a preferred partner of H&H Agency, Inc. Online ceases to do business with H&H Agency, Inc. Online and access to your personally identifiable information is necessary to facilitate business operations or meet contractual obligations;
• in the event H&H Agency, Inc. Online is merged with or acquired by another company;
• to comply with legal or regulatory requirements or obligations in accordance with applicable law or court order, and otherwise as we believe is necessary or appropriate to satisfy any law, regulation or other governmental request, to operate our web site properly, or to protect or defend our rights or the rights or well-being of our employees, users or others or if you are involved (or are suspected by governmental authorities or our security functions to be involved) in any illegal activity, even without a subpoena, warrant or court order; or
• in case of emergency such as to safeguard the life, health, or property of an individual.

If information is shared as mentioned above, we will limit the scope of information that is furnished to the amount necessary for the performance of the specific function. We may confirm personal information you provide us on applications and forms, with third parties, such as your bank, employer, government entities, credit agencies, and other businesses where you have an account or a credit card. Unless otherwise precluded by legal process, we require third parties to protect your personally identifiable information and abide by applicable privacy laws and regulations.

Use of Email

We will use your email address to send a quote confirmation and, if necessary, might use the other information to contact you for help in processing the online insurance application. We will also use your email address to:

• notify you about special offers and promotions as described in this privacy statement;
• send you copies of your quotes when you request them; and
• send you periodic satisfaction or market research surveys.

Access

To ensure that your personally identifiable information is accurate and up to date, we encourage you to contact us to update your information in the event your home, work or email address change, or you wish to add an additional method for us to communicate with you. Please note that in an effort to prevent the unauthorized disclosure of your personally identifiable information, you may be asked to provide proof of identity (or other authentication materials) together with the completed access request form. Access to personally identifiable information from non-H&H Agency, Inc. subscribers cannot be provided by telephone.

Occasionally, information that you request to be removed will be retained in certain files for a period of time in order to properly resolve disputes or to troubleshoot problems. In addition, some types of information may be stored indefinitely on "back up" systems or within log files due to technical constraints, or financial or legal requirements. Therefore, you should not always expect that all of your personally identifiable information would be completely removed from our databases in response to your request for deactivation.

Security

H&H Agency, Inc. recognizes the importance of information security, and is constantly reviewing and enhancing all technical, physical, and logical security rules and procedures. After information reaches H&H Agency, Inc., it is stored on a secure server that resides behind firewalls designed to block unauthorized access from outside of H&H Agency, Inc. All H&H Agency, Inc. owned web sites and servers have security measures in place to help protect your personally identifiable information against loss, misuse, and alteration while under our control. Although "guaranteed security" does not exist either on or off the internet, we safeguard your information using both procedural and technical safeguards, including security certificates to secure our website. H&H Agency, Inc. uses 128-bit Secure Socket Layer (SSL) encryption technology to ensure your transactions are secure. SSL converts your information into a secret code and lets your browser know that our Web site is authentic, which in turn protects your data from interception and hacking while in transit.

Links to Other Websites

In order to anticipate your needs, H&H Agency, Inc. provides links to other web sites for your convenience and information. H&H Agency, Inc. is not responsible or liable for any content presented by or contained within any independent web site, including, but not limited to, any advertising claims or marketing practices. Please note that while H&H Agency, Inc. will protect your information on H&H Agency, Inc. owned and operated web sites, we cannot control and will not be responsible for the privacy policies of third party web sites, including web sites owned or controlled by independent franchisees or third party owners of companies that may use the name of an H&H Agency, Inc. brand, or web sites not controlled or authorized by H&H Agency, Inc. Third party web sites that are accessed through links on our web site have separate privacy and data collection practices, and security measures. We have no responsibility or liability for the practices, policies and security measures implemented by third parties on their web sites. We encourage you to contact them to ask questions about their privacy practices, policies and security measures before disclosing any personally identifiable information. We recommend that you review the privacy statements and policies of linked web sites to understand how those web sites collect, use and store information.

Children

We cannot always determine the age of persons who access and use our web site. If a minor (as defined by applicable law) provides us with his/her data without parental or guardian consent, we encourage the parent or guardian to contact us to have this information removed and to unsubscribe the minor from any future H&H Agency, Inc. marketing communications.

Contact Us

If you have comments or questions regarding H&H Agency, Inc.'s data privacy practices or this Online Privacy & Security Statement or you would like to update your information, modify your communication preferences, or if you do not want to receive marketing communications from H&H Agency, Inc. in the future, you can contact us at:

Helen Hayden
P.O. Box 8128
Newport Beach, CA 92658
Telephone: (949) 851-6362
US Toll Free: (800) 949-3274
Fax: (949) 851-1718

Updates

H&H Agency, Inc. may amend this Online Privacy & Security Statement from time to time in order to meet changes in the regulatory environment, business needs, or to satisfy the needs of our customers, affiliates, strategic marketing partners, and service providers. Updated versions will be posted to our web site and date stamped so that you are always aware when the Online Privacy & Security Statement was last updated.

By using this site, you signify your assent to the H&H Agency, Inc. Online Privacy & Security Policy. H&H Agency, Inc. reserves the right to make changes to this privacy and security statement at its sole discretion without notice to the User.

Revised April 2012

H&H Agency, Inc. Secures Your Data

At sterling.live.ptsdirect.com, the privacy and security of customer data is as important to us as it is to you. Physical safeguards, procedural controls and data access controls protect your data from unauthorized access. We continually monitor our systems to prevent unauthorized attempts at intrusion.

Our Security

Our site is securely encrypted with a Class 2 Certification, utilizing a 1024 bit RSA public key.

In addition, the Manage Your Policy/Insured Portal portion of our website is only available to policyholders. It provides a private and secure environment to access policy and account information.

Note: Our web pages are designed to be Browser Independent, but for the final procurement of an insurance policy you are required to use; Microsoft Internet Explorer 6.x, Microsoft Internet Explorer 7.x, Microsoft Internet Explorer 8.x and Microsoft Internet Explorer 9.x. Presentation and layout of our pages is best appreciated using this browser. Other browsers will also work with our site.

We use the digital certificate services of Go Daddy.

Your Security

Other things you can do to enhance your security whenever you are online include the following:

Use an Internet firewall (hardware or software).
Use current software and operating system versions; get updates and security patches regularly.
Use anti-virus software and download updates frequently.
Use your own PC.
Choose a hard-to-guess password; change your password regularly.
Use a unique Username/Password, not one you use on other websites.
Use strong 128-bit encryption available in the latest version of your browser.
When finished, logoff the website and close your browser.
For additional security, you can also clear your browser’s cache and temporary Internet files.

Revised April 2012