Privacy Policy

PRIVACY POLICY OF LANCER INSURANCE COMPANY, LANCER INDEMNITY COMPANY AND LANCER MANAGEMENT COMPANY, INC.

Lancer Insurance Company, Lancer Indemnity Company (formerly North Sea Insurance Company) and Lancer Management Company, Inc. ("LMC") (referred to collectively as "Lancer") are committed to treating the personal information we collect about our customers, potential customers, former customers and claimants with the highest degree of confidentiality. For this reason and in compliance with the law, Lancer has developed this Privacy Policy that applies to all of these companies. For purposes of this Policy, the term "personal information" includes all information we obtain about an individual and maintain in a personally identifiable way. In order to assure the confidentiality of the personal information we collect and in order to comply with applicable laws, all individuals with access to personal information about our customers, potential customers, former customers and claimants are required to follow this policy.

Collection, Retention And Correction Of Personal Information About A Customer Or Claimant

Lancer, its agencies and other affiliated companies that provide service on behalf of Lancer, collect personal information about a customer, potential customer or claimant that is determined to be necessary to deliver our products and services or to process a claim. We obtain nonpublic personal information about you from you through your request for a quotation of rates, application for coverages, or your transactions and interactions with us, as well as from consumer reporting agencies, state motor vehicle departments, and other third parties. We obtain and use this information in accordance with applicable state and federal laws. Individuals with access to personal information use such information for such purposes only. We retain personal information only as long as required by our business practices and applicable law.

If we become aware that an item of personal information may be materially inaccurate, we will make a reasonable effort to re-verify its accuracy and correct any error as appropriate.

Confidentiality And Security

We maintain physical, electronic and procedural safeguards to ensure that personal information is treated in compliance with applicable laws and regulations and in accordance with our Privacy Policy. We also restrict access to personal information within our organization to those employees who need to know that information to provide products or services to our customers or to conduct Lancer business. Employees who have access to customer information may use it only on behalf of Lancer for legitimate business purposes.

Disclosure Of Personal Information

We maintain procedures to assure that we do not share personal information with any nonaffiliated third party unless such sharing is permitted or required by law. Personal information may be disclosed to a nonaffiliated third party for necessary servicing of our products or other related services or for other normal business transactions as permitted by law.

We require nonaffiliated third parties to whom we disclose customer information for the purpose of performing a service for us to sign an agreement that the information will not be used or disclosed except to carry out the purposes for which we disclosed the information and only as permitted by applicable state and federal law.

Personal Information Relating To Mental Or Physical Health

We do not use or share personal information relating to mental or physical health for any purpose except as required or permitted by law or as otherwise authorized by the individual to whom the information relates.

Additional Information For Our Internet Users

We may use web browser tracking devices in order to track website visitor statistics. This information is used internally only by Lancer and its affiliates. Visitor statistics are collected at an aggregate level and no personally identifiable information is collected or retained as a result of these activities. We do not use cookies to provide visitors with targeted advertising or content. Currently, Lancer does not support technology to respond to web browser "do not track" signals or other comparable mechanisms.

Accessing webpages on lancerinsurance.comlimoinsurancedirect.comowneroperatordirect.comnobelinsurance.com, and mopsmarinelicenseinsurance.com constitutes the user's agreement to our Terms and Conditions.  Information collected via these websites is protected by this Privacy Policy.

Changes To This Privacy Policy

We may modify our Privacy Policy from time to time. The most recent version will be posted at lancerinsurance.comlimoinsurancedirect.comowneroperatordirect.comnobelinsurance.com and mopsmarinelicenseinsurance.com.

Inquiries

Questions regarding this Privacy Policy should be directed to Lancer's General Counsel at 370 West Park Avenue, P.O. Box 9004, Long Beach, New York 11561.

The effective date of this policy is August 1, 2018.