The Penn Warranty Corporation

The Penn Warranty Corporation Privacy Policy

The Penn Warranty Corporation ("TPWC") is committed to protecting your privacy. "TPWC does not share information outside of TPWC's family of companies, unless directly related to providing you with service under your existing agreement."

This Privacy Policy discloses our information use policies and practices in greater detail. Please read it to learn more about the ways we protect the information we collect, and find out how you can limit the information about you that we share within TPWC family of companies and with unaffiliated third parties external to TPWC.

If you are comfortable with TPWC's handling of information we collect, you do not need to take any action at this time. Please read this policy and keep a copy of it for your records. If TPWC changes its information practices, we will provide you notice of any material changes. This Privacy Policy supercedes all previous notices or statements with respect to subject matters described in this policy.

The policy applies to you
The descriptions in this Policy apply to our relationships with individual consumers who inquire about and/or obtain products or services from TPWC for personal, family and household purposes.

Strict security measures
TPWC takes the security of information very seriously and has established security standards and procedures to prevent unauthorized access to customer information. These standards exist for both our physical facilities and our online services. We maintain physical, electronic and procedural safeguards that comply with federal standards to guard consumer information.

Limited employee access
To protect you, TPWC has policies and procedures to limit employee access to information to only those employees with a business reason for accessing such information. TPWC educates its employees about the importance of confidentiality and customer privacy. We take appropriate disciplinary measures to enforce employee responsibilities regarding customer information.

TPWC has established procedures so that the information we collect is accurate, current and complete. TPWC is committed to working with you to promptly correct any inaccurate information.

Why TPWC collects information
TPWC collects information about you to:
Accurately identify you;
Protect and administer your records and policies;
Help us design or improve our products and services;
Save you time when you apply for new products and services;
Offer you quality products and services and to comply with certain laws and regulation
We collect information from:
You (from applications and other forms and information that you provide to us, such as your name, address, and credit card numbers);
Your transactions with TPWC, such as your account balance, payment history and claims history and;
Outside sources, such as your repair facility.

The selective sharing of information
Depending on the type of relationship you have with TPWC, we may share information within TPWC family of companies, as well as with unaffiliated third parties external to TPWC. TPWC reserves the right to share all information we collect as this policy describes. We also disclose information to complete transactions initiated by you when you request or authorize the disclosure, or if the disclosure is required by law. At times it is necessary to disclose information to enforce or apply the terms and conditions or any agreement we have with you and to protect the rights, property, or safety of TPWC, our customers, or others. This includes exchanging information with other companies and organizations for fraud protection and credit risk reduction.

Sharing within TPWC family
We share information about you within TPWC family of companies in order to service you and your policy as completely as possible. TPWC's affiliates offer many services to its policy holders including, claims management and adjustment. Under the law, TPWC is permitted to share identification information within TPWC family companies, as well as information related to the transactions and experiences we have with our customers. By sharing this information, TPWC is able to streamline claims processes to ensure you receive the service you need should a loss occur. We also disclose information to nonaffiliated third parties as permitted by law. For example, we provide information to outside companies to perform services on our behalf, such as date analysis, bill payment, mail house services, printing and account statements, collection services and to government entities to respond to subpoenas and audits, to credit reporting agencies, and to re-insurers and financial auditors. Whatever the reason for sharing information, we require strict confidentiality by the receiving parties and limit the use of the information to the purpose for which it was disclosed.

Former customers
If you end your relationship with TPWC, we will adhere to the information policies and practices described in this policy.

For more information, or to opt out
If you would like more information about your options, or wish to opt out of information sharing, please call (570) 270-3804. If you have previously opted out, please be assured that your election will remain effective. You do not need to call unless you wish to change your election.

Your relationship with TPWC is a way for you to receive necessary service contract products at a reasonable cost. We offer innovative products and personal attention. At the same time, we work hard to protect the confidentiality and security of your information.

Thank you for allowing us to provide you with the products and services you need.

The Penn Warranty Corporation

June 30, 2001