CALLICOON CO-OPERATIVE INSURANCE COMPANY NOTICE OF PRIVACY POLICY

Our Privacy Notice We at Callicoon Co-operative Insurance Company understand the level of trust that you have placed with us and are committed to maintaining that trust. We will safeguard your information. We will attempt to keep your information up-to-date and accurate. We will not disclose your nonpublic personal information to anyone except as authorized by law. Callicoon Co-operative Insurance Company does not sell information about you to others. This notice explains our privacy policy and applies to current and former customers alike.

Collecting Information We may collect information from you to properly maintain and service your account. Some of this is called “Nonpublic Personal Information” which generally means any information that you provide us or the information we obtain in connection with your policy or claim or the information resulting from your transactions with us. This information comes from the following sources (examples noted under each source are not necessarily a complete list):

- Application Information You provide us with most of the information we need to process your policy or claim on the application for insurance, loss notice, other forms or by telephone. This information may include your name, address, telephone number, social security number, date of birth, employment, gender, marital status, and prior insurance information.

- Third Party Information This is information we receive to verify or supplement your application or loss notice. This information may come from property inspection reports, credit reports, and your agent.

- Transaction Information Your file may contain information that we develop and maintain based on transactions and experiences you have with us. This may include account balances, payment history, and loss history.

Information Disclosure We may disclose certain information about you to third parties with your consent or at your direction. We may provide certain information about you to nonaffiliated third parties without your permission for the conduct of our business or as required by law. Information may be provided to others to provide business services for us, performing general administrative activities for us, provided for audit or research purposes, or to law enforcement or regulatory agencies to help us prevent fraud, other insurers or consumer reporting agencies. We may make other disclosures only as permitted by law. Whenever we hire third parties to provide services for our benefit, we will require them to conform to our standards of privacy.

Protecting Your Personal Information From Unauthorized Access We treat your information in a confidential manner. We limit access to information about you to employees who need to know that information to provide products or services for you. We maintain physical, electronic, and procedural safeguards that comply with state and federal regulations to guard the information about you. All employees are required to comply with our established policies and are subject to our normal disciplinary process for any violations of this policy.

Access to and Correction of Information Upon your written request, we will make available certain information we have collected for your review. Information collected in connection with, or in anticipation of, any claim or legal proceeding will not be made available. You have the right to request correction of any inaccurate information. We will promptly update or correct any erroneous information.

E-mail: info@callicooncoop.com