Privacy Policy

Table of content

1. We may collect your information when you use our Services, when you apply for products, or from third parties.
2. We may collect information you provide us when you use our Services.
3. We may collect your information when you apply for or use our Services.
4. We may collect your personal information from third parties.
5. We may use your information to provide you with our Services.
6. We may retain your information for our business purposes.
7. We may share your information to provide you with our Services.
8. You can manage your browser cookies.
9. We do not respond to Do Not Track signals.
10. We may provide links to other companies.
11. We may record calls to our call centers and in-house agents.
12. We encourage caution in posting information publicly.
13. We take measures to protect your personal information.
14. Our Services are not intended for minors.
15. We provide you with additional disclosures relating to various state privacy laws.
16. You may have additional rights under various state privacy laws.
17. Victims of domestic violence may have confidentiality rights.
18. We are based in the United States.
19. We may change this privacy policy.
20. Spinnaker provides you with a Consumer Privacy Notice.
21. Spinnaker provides you with a California Financial Information Privacy Act Notice.
22. You may contact us

1. 1.We may collect your information when you use our Services, when you apply for products, or from third parties.

   We may collect information from you in various ways, including the following:

   • We collect information you provide us when you use our Services;
   • We collect information when you apply for or use our Services; and
   • We collect information from third parties, such as our service providers, data providers, or partners
2. 2.We may collect information you provide us when you use our Services.

   When you use our Services, we may collect the information you provide us, for example, when you:

   • Ask a question;
   • Email us or modify your account;
   • Conduct transactions;
   • Apply for Services;
   • Begin or complete a form;
   • Modify your coverage;
   • Inquire about the status of a claim;
   • Contact customer support; and
   • Provide feedback or a complaint.
3. 3.We may collect your information when you apply for or use our Services.

   We may collect information when you apply for or use our Services, including:

   • Name, email address, postal address, or residential property address;
   • Driver’s license number;
   • Date of birth;
   • Your signature, phone number, and family member information;
   • Payment card information, financial account information, or insurance policy information;
   • Age, gender, marital status, and veteran or military status;
   • Payment history, claims history, property information and records;
   • Records of Services requested or purchased;
   • Lender information, and information necessary to determine discount qualification and eligibility; and
   • Other information you provide to us.

   Some forms on our Services may require that you provide certain information to submit the form. You may choose not to provide information in those cases, but this may prevent you from being able to use certain features of our Services.

4. 4.We may collect your personal information from third parties.

   We may collect personal information about you from third parties. In some instances, we may combine the personal information we collect about you from third parties with personal information we collect from you. We also may obtain personal information about you from consumer reporting agencies or insurance support organizations as well as from commercially available sources such as data aggregators and public databases. Depending on your relationship with us, this personal information we collect from third parties may include:

   • Name, email address, postal address, or residential property address;
   • Information about your property, including its condition; or
   • Demographic information.

   Additionally, if you purchase insurance through an insurance agent or agency, we may receive personal information from the agent or agency about you, including information listed in Section 3. We may also receive information about you from public databases or third parties from whom we have obtained data, among other sources. We may combine this information with other information we have about you.

5. 5.We may use your information to provide you with our Services.

   We may use your information in a variety of ways, including to:

   • Complete an application on your behalf;
   • Communicate insurance information to a lender or mortgagor designated by you;
   • Service your policy;
   • Intake and process claims;
   • Respond to your requests, questions, or comments;
   • Send billing notices to you and your lender, mortgagor, or lender service company;
   • Communicate with you and others;
   • Develop new Services;
   • Improve our existing Services;
   • Address problems and review the usage and operations of our Services or business;
   • Improve our Services, content, products, and offerings;
   • Protect the security and integrity of our Services and our business, including to detect fraud or illegal activities;
   • Enforce our terms of use and other applicable policies;
   • Conduct actuarial or research studies;
   • Protect and defend our rights and property or the rights of third parties; and
   • As otherwise described to you at the point of collection.
6. 6.We may retain your information for our business purposes.

   We may retain and use your information in accordance with our records retention schedule, as required or permitted by law, to comply with our legal obligations, to resolve disputes, and to enforce our agreements. We also retain your information as needed to provide Services to you and while you maintain an account with us.

7. 7.We may share your information to provide you with our Services.

   In addition to sharing your information as described at time of collection, we may share your information with the following persons or entities or in the following circumstances, among others:

   • When we have your consent or at your direction;
   • To perform or provide the Services you requested;
   • With a parent, subsidiary, or affiliate entity within the Spinnaker corporate family, as permitted by law;
   • With third parties that play a role in an insurance or other transaction such as insurance companies, payment vendors, inspection companies, loss control companies, claims adjusters and other claims-related companies, contractors, investigators, attorneys and other third parties who provide services relating to your claim or a service that we offer;
   • With participating insurance support organizations (information obtained from a report prepared by an insurance-support organization may be retained by the insurance-support organization and disclosed to other persons), reinsurance companies, and regulators;
   • With our authorized agents and brokers who sell or facilitate the sale of our Services;
   • With our vendors, as needed to perform their functions for us;
   • With third parties to provide you with a product or service, as permitted by law;
   • With legal entities, if required by law, or a regulatory authority or at the request of governmental, law enforcement, or regulatory authorities;
   • When we believe such sharing is necessary, such as to protect the rights, property, life, security, or safety of Spinnaker or others; and
   • In the case of a corporate transaction, such as a merger, acquisition, or divestiture.
8. 8.You can manage your browser cookies.

   Most internet browsers allow you to block, manage, or delete cookies or local storage through the privacy features of your browser. Please refer to the help section of your browser or mobile device for additional information. Your browser may also offer add-ons, plugins, or extensions to manage local storage objects, scripts, or similar technologies mentioned in our privacy policy. Please note that if you block cookies or similar technologies, you may not be able to use the full functionality of our Services. For further information about cookies and similar technologies, including how to manage and delete cookies on your device, you can visit All About Cookies.

9. 9.We do not respond to Do Not Track signals.

   Our Services do not currently respond to Do Not Track signals. To learn more about Do Not Track signals, you may visit the Future of Privacy Forum’s website for additional information.

10. 10.We may provide links to other companies.

    Our Services, other materials, and products may contain references or links to third-party websites and services, including references and links to third parties that accept and process your payments to us. We are not responsible for any third party’s data collection or privacy practices, and we have no control over what information third parties track or collect. Any access to and use of such linked websites is not governed by this privacy policy but instead is governed by the privacy policies of those third-party websites. We encourage you to review the privacy policies posted on those third-party websites for further information.

11. 11.We may record calls to our call centers and in-house agents.

    We may record or monitor our conversations with you if you call our customer service centers or if our customer service centers or agents call you. We may use these recordings for business records, training, quality assurance, fraud prevention, and other business purposes. We may use your voiceprint for verification or anti-fraud purposes when you call our call centers or in-house agents.

12. 12.We encourage caution in posting information publicly.

    Our Services may permit you to post or submit content publicly. If you choose to submit content containing personal information to any public area of our Services, your content will be accessible by anyone, including us. We encourage you to exercise caution when making decisions about what you disclose publicly.

13. 13.We take measures to protect your personal information.

    We may take reasonable measures designed to secure your personal information. However, we cannot guarantee that your personal information will not be lost, accessed without authorization, disclosed, altered, or destroyed. Any information you provide to us is at your own risk.

14. 14.Our Services are not intended for minors.

    Our Services are not intended for children under the age of 13. We do not knowingly collect any personal information from anyone under the age of 13. You must be 18 years of age or older to submit any information to us.

15. 15.We provide you with additional disclosures relating to various state privacy laws.

    You may have additional privacy rights that we describe in further detail below.

    Various state comprehensive privacy laws give individuals the right to know what personal information is collected about them, including whether it is being sold or disclosed to third parties. These state privacy laws also grant these individuals certain rights and prevent companies from retaliating against consumers for exercising those rights. This notice applies to all activities of Spinnaker, including those activities that occur online and offline.

    The types of personal information we have collected or disclosed in the last twelve (12) months or beyond depend on your relationship with Spinnaker. If the nature of your relationship with Spinnaker changes, an additional data privacy notice may apply.

    The personal information that Spinnaker collects about you may include the following categories of personal information:

    1. Identifiers, such as real name, alias, postal address, unique personal identifier, online identifier, email address, account name, driver's license number, passport number, or other similar identifiers;
    2. Personal information described in California Civil Code Section 1798.80(e), such as signature, physical characteristics or description, telephone number, insurance policy number, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information;
    3. Characteristics of protected classifications under California or federal law, such as race, gender, physical or mental disability, and religion;
    4. Commercial information, such as records of personal property, Services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies;
    5. Biometric information, such as your voiceprint when you call our call centers;
    6. Internet or other electronic network activity information, such as browsing history, search history, and information regarding a consumer's interaction with an internet website, application, or advertisement;
    7. Geolocation data, such as information used to identify your physical location, including geolocation data collected in connection with your use of our Services;
    8. Audio, electronic, visual, thermal, olfactory, or similar information;
    9. Professional or employment-related information, such as information collected from job applications and resumes;
    10. Education information, such as information collected from job applications, transcripts, or resumes;
    11. Inferences, such as those drawn from any of the information Spinnaker collects to create a profile about a consumer reflecting the consumer's preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes; and
    12. Sensitive personal information, such as driver’s license number, passport number, account log-in, financial account, debit card, or credit card number in combination with any required security or access code, password, or credentials allowing access to an account, precise geolocation, racial or ethnic origin, religious beliefs, mental or physical health condition or diagnosis, sex life or sexual orientation, or citizenship or immigration status.

    Types of Personal Information	Do we collect it?	Categories of Sources	Purposes of Collection	Do we disclose it to third parties?	Purposes of Disclosure	Categories of Third Parties PI Disclosed To	Do we sell it to third parties?	Purposes of Selling	Do we Share for Behavioral Advertising?	Retention
    Identifiers	Yes	You, publicly available databases, government databases, data aggregators, affiliates, subsidiaries, agents or other producers, financial service providers, and other service providers	Respond to questions, requests, complaints, and emails; provide customer service; provide Services to you; set up, manage accounts; verify your identity; regulatory reporting; and update our records	Yes	Customer service, account set up, management, or servicing, data verification services, regulatory reporting requirements	Service providers that provide us with customer service, account set up, management, or servicing or data verification services, regulatory authorities	No	Not applicable	No	Generally 1 years but also subject to data retention schedules
    Personal information described in California Civil Code Section 1798.80(e)	Yes	You, publicly available databases, government databases, data aggregators, affiliates, subsidiaries, agents or other producers, financial service providers, and other service providers	Respond to questions, requests and emails; provide customer service; set up, manage accounts; verify your identity; regulatory reporting; and update our records	Yes	Customer service, account management, servicing or data verification services, regulatory reporting requirements	Service providers that provide us with customer service, account management, or servicing or data verification services, regulatory authorities	No	Not applicable	No	Generally 1 years but also subject to data retention schedules
    Characteristics of protected classifications under California or federal law	Yes	Directly from you or from service providers	Provide Services to you	Yes	Provide Services to you and regulatory reporting requirements	Entities that provide us with services to provide Services to you and regulatory authorities	No	Not applicable	No	Generally 1 years but also subject to data retention schedules
    Commercial information	Yes	You directly, from your use of our Services, or from credit or consumer reporting agencies	Service your account	Yes	Policy administration and claims adjudication	Entities that provide us with services to provide Services to you and regulatory authorities	No	Not applicable	No	Generally 1 years but also subject to data retention schedules
    Biometric information	Yes	You directly when you call our call centers	Detecting security incidents; fraud detection; authentication; protecting against and prosecuting malicious, deceptive, or illegal activity; verifying or maintaining the quality or safety of a service or device or improving a service or device	Yes	To assist in authentication and to service your account	Service providers that assist in authentication and to service your account	No	Not applicable	No	Generally 1 years but also subject to data retention schedules
    Internet or other electronic network activity information	No	Not applicable	Not applicable	Not applicable	Not applicable	Not applicable	Not applicable	Not applicable	Not applicable	Not applicable
    Geolocation datal	No	Not applicable	Not applicable	Not applicable	Not applicable	Not applicable	Not applicable	Not applicable	Not applicable	Not applicable
    Audio, electronic, visual, thermal, olfactory, or similar information	Yes	When you call our customer service call center	Improve our Services, quality assurance, analytics, or for security purposes	Yes	Improve customer service, loss prevention, authentication or fraud investigations	Entities that provide us with services to improve customer service; entities that provide us with loss prevention services; entities that provide authentication or fraud services	No	Not applicable	No	Generally 1 years but also subject to data retention schedules
    Professional or employment-related information	No	Not applicable	Not applicable	Not applicable	Not applicable	Not applicable	Not applicable	Not applicable	Not applicable	Not applicable
    Education information	No	Not applicable	Not applicable	Not applicable	Not applicable	Not applicable	Not applicable	Not applicable	Not applicable	Not applicable
    Inferences	No	Not applicable	Not applicable	Not applicable	Not applicable	Not applicable	Not applicable	Not applicable	Not applicable	Not applicable
    Sensitive personal information	Yes	You, your use of our Services, affiliates, subsidiaries, agents or other producers, or financial or other service providers	Maintain or service accounts, provide customer service, process and provide Services, verify customer information, regulatory purposes, or other similar services	Yes	Customer service, account management, financial services, quality and safety services, storage, and regulatory reporting	Entities that provide or assist us with customer service, account management, financial services, storage, and regulatory authorities	No	Not applicable	No	Generally 1 years but also subject to data retention schedules

    For all categories of personal information, we may collect data directly from you, from third parties, including those to whom you have previously provided data, and from our service providers.

    We collect and use personal information for business or commercial purposes. For all categories of personal information, these purposes may include auditing; detecting security incidents; protecting against and prosecuting illegal activity (such as fraud); ensuring the physical safety of individuals; debugging, short-term transient use of personal information; performing services on behalf of Spinnaker, such as maintaining or servicing accounts, providing customer service, processing or fulfilling orders and transactions, verifying customer information, processing payments, providing storage, or providing similar services on behalf of Spinnaker; undertaking internal technological research; verifying or maintaining the quality or safety of a service or device; improving a service or device; and monitoring and improving our Services’ functionality. We combine the data that we collect in order to provide these functions.

    We also collect and use personal information to comply with our legal obligations, resolve disputes, enforce our agreements, and for everyday servicing purposes.

    For all categories of personal information, we may disclose your personal information to third parties in the event Spinnaker is involved in a merger, acquisition, or sale or transfer of all or part of its assets. We may also disclose all categories of personal information with our affiliates and subsidiaries. Spinnaker may be required to disclose your personal information to law enforcement, regulatory agencies, or litigants based on enforceable requests for this information. We may also need to disclose information based on fraud protection, credit risk reduction, or other legal purposes.

    Please note that for all categories of personal information, we may also disclose your personal information to our service providers, partners, or collaborators we work with in the course of our business, agents or other insurance producers, any entity you instruct us to disclose your personal information to, and others.

    Spinnaker retains personal information in accordance with our legal obligations, to defend against claims, or in compliance with our data retention policies and procedures. Also, we may retain your personal information in our backup or archived systems until the retention period of those systems expires.

16. 16.You may have additional rights under various state privacy laws.

    You may have the following rights with respect to your personal information:

    • The right to a notice about our collection, use, disclosure, sale, or sharing of personal information about you. This statement is intended to satisfy this right.
    • The right to request access to the personal information, including the specific pieces of personal information that Spinnaker has about you and personal information about any automated-decision making concerning you made by Spinnaker.
    • The right to request that Spinnaker correct or amend your personal information.
    • The right to request that we delete the personal information we have about you. We may not be required to delete personal information under particular circumstances.
    • The right to opt out of the sale your personal information. You may have the right to opt out of cross-context behavioral advertisements.
    • The right to ask us to limit our use of your sensitive personal information.
    • The right to obtain a copy of your personal information in an easily understandable and portable format that you may also request be transmitted to another entity.
    • The right to appeal Spinnaker’s denial of your request to exercise a right herein.
    • The right to opt out with respect to Spinnaker’s use of automated decision-making technology, including profiling.
    • The right to be free from retaliation for exercising these rights. We may, however, offer you incentives in return for your data. When you exercise your rights, you may lose access to these incentives, which can include discounts, coupons, or additional services.
    • The right to use an authorized agent to submit a request on your behalf.
    • The right to request a statement be placed in your file for others accessing your file if you disagree with Spinnaker’s refusal to correct, amend, or delete your personal information with a concise statement of what you think is correct, relevant, or fair information and the reasons you disagree with Spinnaker’s refusal to correct, amend, or deleted recorded personal information.

    You may call us at 1-888-221-7742 or visit our portal to exercise your rights.

    Your authorized agent may call us at 1-888-221-7742 to make a request on your behalf. You will be asked to confirm your identity with at least two identification factors, such as a verified email and phone number. If we cannot verify your identity, we will let you know and may deny the request. We must also receive a properly executed authorization form that adequately describes you, your designated agent, and the purpose of the designation. We may deny a request from an agent that does not submit proof that they have been authorized by you to act on your behalf. We may also require that you directly confirm with us that you provided the authorized agent permission to submit the request. The authorized agent must be a natural person or a business entity that is registered with the appropriate state regulatory agency to conduct business in the state they operate and must comply with the requirements of applicable laws.

17. 17.Victims of domestic violence may have confidentiality rights.

    New York State Insurance Law § 2612 prohibits insurers from discriminating against victims of domestic violence. This law also provides that if any person covered by an insurance policy delivers to the insurer a valid order of protection against the policyholder or other person covered by the policy, then the insurer is prohibited for the duration of the order from disclosing to the policyholder or other person the address and telephone number of the insured, or of any person or entity providing covered services to the insured. If a child is a covered person, then the right established by this section may be asserted by the child’s parent or guardian.

    Making a request:

    To initiate a confidentiality request as it pertains to an order of protection, please submit a valid order of protection to the below listed address. You may use this confidential communication request form, if you’d like:
    
    Spinnaker Insurance Company
    1 Pluckemin Way, Suite 102
    Bedminster, NJ 07921
    Toll Free Line: 1-(888) 221-7742

    If the protected individual is a child, the parent or guardian may make the above request.

    Revoking a request:

    To revoke a confidentiality request, please contact our customer service at 1-(888) 221-7742.

18. 18.We are based in the United States.

    If you are visiting our Services from outside the United States, please be aware that we are based in the United States and the information we collect will be transferred to, processed, and stored on our servers in the United States in accordance with this privacy policy and applicable laws. The data protection laws and regulations applicable to your information transferred to the United States may be different from the laws in your country of residence

19. 19.We may change this privacy policy.

    We may change this privacy policy from time to time. If we make material changes to this privacy policy, we will post the changes on our Services (or our Services that replace them) and provide you notice prior to the changes becoming effective either through the relevant Services or by some other means, such as email or through your account. Your continued use of our Services after such notice constitutes your consent to the changes. We encourage you to periodically review our privacy policy for the latest information on our privacy practices.

20. 20.Spinnaker provides you with a Consumer Privacy Notice.

    If you are a Spinnaker customer, then Spinnaker provides you with the Spinnaker Consumer Privacy Notice below.

21. 21.Spinnaker provides you with a California Financial Information Privacy Act Notice.

    If you are a Spinnaker customer in California, then Spinnaker provides you with the Spinnaker California Financial Information Privacy Act Notice below.

22. 22.You may contact us

    If you have any questions about this privacy policy or our other information practices, please contact us at [email protected]; 1-888-221-7742; or Spinnaker Insurance Company, 1 Pluckemin Way, Suite 102, Bedminster, NJ 07921.

    Rev. 10/2023

    Facts	What spinnaker does with your personal information?
    Why?	Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
    What?	The types of personal information we collect and share depend on the product or service you have with us.  This information can include: Name and date of birth Property information and property records Checking account information and credit-based insurance scores
    How?	All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Spinnaker chooses to share; and whether you can limit this sharing.

    Reasons we can share your personal information	Does Spinnaker share?	Can you limit this sharing?
    For our everyday business purposes — such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus	Yes	No
    For our marketing purposes — to offer our products and services to you	No	No
    For joint marketing with other financial companies	No	No
    For our affiliates’ everyday business purposes — information about your transactions and experiences	Yes	No
    For our affiliates’ everyday business purposes — information about your creditworthiness	No	We don’t share
    For our affiliates to market to you	No	We don’t share
    For nonaffiliates to market to you	No	We don’t share

    What we do
    How does Spinnaker protect my personal information?	To protect your personal information from unauthorized access and use, we maintain physical, electronic, and procedural safeguards that comply with federal law. These measures include computer safeguards and secured files and buildings.
    How does Spinnaker collect my personal information?	We collect your personal information, for example, when you: apply for insurance or pay insurance premiums provide account information or give us your contact information file an insurance claim We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
    Why can’t I limit all sharing?	Federal law gives you the right to limit only sharing for affiliates’ everyday business purposes – information about your creditworthiness affiliates from using your information to market to you sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.
    What happens when I limit sharing for an account I hold jointly with someone else?	Your choices will apply to everyone on your account.

    Definitions
    Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. Our affiliates include financial companies such as companies that share the Spinnaker, Wingsail, Masthead, or Hippo brand.
    Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. Spinnaker does not share with nonaffiliates so they can market to you.
    Joint marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Spinnaker doesn’t jointly market.

    Other Important Information

    We will also comply with more restrictive state laws to the extent they apply.   California Residents: We will not share your information with nonaffiliated third parties for their marketing purposes except with your express consent. California residents will also be provided an “Important Privacy Choices” notice explaining their rights under the California Financial Information Privacy Act.   Nevada Residents: Nevada law allows us to make marketing calls to our existing customers listed on the National Do Not Call Registry. This notice is provided to you pursuant to state law. If you prefer not to receive marketing calls from us, you may be placed on our internal Do Not Call List by calling 1-888-221-7742. If you would like more information about our practices, you may call 1-888-221-7742. You may also contact the Nevada Attorney General’s office: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; Phone number: (702) 486-3132; email: [email protected].   Vermont Residents: We will not disclose information about your creditworthiness to our affiliates and will not disclose your personal information, credit report, or health information to nonaffiliated third parties to market to you, other than as permitted by Vermont law, unless you authorize us to make those disclosures.   AZ, CA, CT, GA, IL, ME, MA, MN, MT, NV, NJ, NC, OH, OR, or VA Residents. The term "Information" means information we collect in connection with insurance transactions. You have the right to request access to, correction, amendment, and deletion of personal information that we have about you. Please contact us at [email protected] or Spinnaker Insurance Company, 1 Pluckemin Way, Suite 102, Bedminster, NJ 07921 with a notarized letter and include your name, address, and your policy, contract, or account number, and describe the information you wish to access, delete, or correct. We may share your Information with nonaffiliates without your prior authorization as permitted or required by law, such as for purpose of conducting actuarial or research studies that comply with applicable law. We may share your Information with insurance regulatory authorities, law enforcement, consumer reporting agencies, auditors, and as permitted or required by law. Information we obtain from a report prepared by an insurance-support organization may be retained by that insurance-support organization and disclosed to others.

    Rev. 10/2023

    The notice below applies only to California residents.   

    Important Privacy Choices for Consumers

    You have the right to control whether we share some of your personal information.
    Please read the following information carefully before you make your choices below.

    Your Rights

    You have the following rights to restrict the sharing of personal and financial information with our affiliates (companies we own or control) and outside companies that we do business with. Nothing in this form prohibits the sharing of information necessary for us to follow the law, as permitted by law, or to give you the best service on your account with us. This includes sending you information about some other products or services.

    Your Choices

    Restrict Information Sharing With Companies We Own or Control (Affiliates): Unless you say “No,” we may share personal and financial information about you with our affiliated companies.

    (__) NO, please do not share personal and financial information with your affiliated companies.

    Restrict Information Sharing With Other Companies We Do Business With To Provide Financial Products And Services: Unless you say “No,” we may share personal and financial information about you with outside companies we contract with to provide financial products and services to you.

    (__) NO, please do not share personal and financial information with outside companies you contract with to provide financial products and services.

    Time Sensitive Reply

    You may make your privacy choice(s) at any time. Your choice(s) marked here will remain unless you state otherwise. However, if we do not hear from you, we may share some of your information with affiliated companies and other companies with whom we have contracts to provide products and services.

    To exercise your choices, utilize any of the options below:

    • Call 1-800-747-3214, toll free; or
    • Complete the information needed below, sign, and return this form to us (you may want to make a copy for your records):

    - Mail to: Spinnaker Group, 1 Pluckemin Way, Suite 102, Bedminster, NJ 07921, Attn: Privacy Officer

    Name:_______________
    Account Number(s):________________
    Property Address:__________________
    Mailing Address:_____________________
    (if different than property address)
    Signature:__________________    Date:_____________