Kairem Insurance Privacy Statement

We treat your information with respect and concern for your privacy. We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted or required by law.

For example, we may share any or all of your information with our affiliated companies. We may also disclose any or all information we have collected about you to companies that perform services on our behalf.

Before disclosing your information, we require these companies to agree to keep it confidential and use it only for the transaction we request.

The independent insurance agents authorized to sell Kairem products and services are not Kairem’s employees, but they are subject to Kairem's Privacy Policy, to the extent that they sell or service our products, unless they have provided you with a copy of their own privacy policy. Because they have a unique business relationship with you, they may have additional personal information about you that Kairem does not. They may use this information differently than Kairem. Contact your Kairem Agent or advisor to learn more about their privacy practices.

Kairem collects personal information (for example, name, address, E-mail address, telephone number or Social Security number) on our web site only when you voluntarily provide it to us. We do not collect any personally identifiable information about your online activities across other sites or online services. Only your Internet domain is recognized when you visit our website; your individual E-mail address is not.

If you provide us with your E-mail address, Kairem may use it to occasionally notify you of new services, special offers, or to confirm transactions.

The Kairem Insurance may work with several third-party vendors, including, but not necessarily limited to Yahoo!/Bing, Google, Facebook, and others, to research usage and activities on our website. These third-party vendors use Web beacons and cookies to conduct this research. The information collected through these Web beacons and cookies is used to find out more about our Web site usage patterns, for more accurate reporting, and to improve the effectiveness of our marketing. These vendors may collect information about the online activity of visitors to our website for the purpose of customizing ads to your interests (sometimes referred to as "interest-based" advertising). No personally identifiable information is collected. Information recorded through the use of these Web beacons and cookies is aggregated and then shared with us.

We may collect personal information about you from:

• The information you provide on quotes, applications or other forms (such as your name, address and Social Security number)
• Your transactions with us (such as your payment history and claims information)
• The information we receive from a consumer reporting agency (such as your credit history, your driving record, and claims history with other insurance carriers)
• Your insurance agent/broker (such as updated information pertaining to your account)
• Public records (such as motor vehicle reports and criminal records)

Kairem does not sell information about you to others. If you only browse our website and do not supply any information, you will not receive unsolicited E-mail, telephone calls, or other marketing materials from Kairem as a result of your visit.

When you make changes to your account or request more information about our products we may forward information you supply to us to your Kairem Independent Insurance Agent. We do this so they can service your account or contact you with additional information about our products.

Kairem uses cookies to maintain the continuity of browser sessions and to track repeat visitors. No personally identifiable information about you is stored in these cookies.

Kairem uses secure technology, which encrypts information as it crosses the Internet. You can tell if you are visiting a secure area by looking at the padlock symbol on your browser screen. If it is "locked," you have a secure session.

Kairem has security measures in place to protect the loss, misuse, and alteration of your personal information. Our servers are located in the United States of America and are designed to prevent unauthorized access.

We limit employee access to customer information to those employees with a legitimate business reason for such access. We maintain physical, electronic and procedural safeguards to protect your personal information from being accessed by unauthorized persons. We also conduct risk assessments, risk management and control, and oversight of our service providers to assure the effectiveness of these safeguards.

Kairem obtains medical information only in connection with specific products or claims. We will not use or share personally identifiable medical information for any purpose other than the underwriting or administration of your policy, claim or account, or as otherwise disclosed to you when the information is collected.

If you submitted information to Kairem online and would like to review that information, please request a copy of the information about you that we have in our files to review it for completeness and accuracy. Your request must be in writing. Please contact your Agent to submit your request.

The effective date of this Statement was May 21, 2025. Please be aware that we may periodically update or revise this Statement, and any changes are effective as of the date posted. Please check our Consumer Privacy Statement frequently for changes.