General Information IntroductionAttune Insurance Services, LLC™, (Attune, “we” or “us”) formerly known as NHT3Insurance Services, LLC (NHT3), is a Delaware-domiciled limited liabilitycompany conducting business as an insurance producer, licensed in all 50 statesand the District of Columbia. Its principal address is 44 Wall Street, Floor 22,New York, NY 10005.Trademarks and CopyrightsAttune’s name, logo and all related names, logos, product and service names,designs and slogans are trademarks of Attune Insurance Services, LLC or itsparent company or its licensor. All other names, logos, product and servicenames, designs and slogans on this Website are the trademarks or service marksof their respective owners. The word marks “Attune Insurance Services, LLC”,“Attune Insurance”, MyAttune” and “Attune” (in any font size or color) as theymay appear alone or in conjunction with the following symbol are trademarks ofAttune Insurance Services, LLC and may not be copied, duplicated or used forcommercial purposes without express written permission. Nothing contained onthis website should be construed as granting, by implication, estoppel, orotherwise, any license or right to use any trademark displayed on this websitewithout the written permission of Attune. Your use of the trademarks displayedon this website, or any other content on this website, except as providedherein, is strictly prohibited. Images displayed on this website are either theproperty of, or used with the permission by Attune. The use of these images byyou, or anyone else authorized by you, is prohibited unless specificallypermitted by Attune. Any unauthorized use of images may violate copyright laws,trademark laws, the laws of privacy and publicity, and communicationsregulations and statutes.Attune’s BusinessAttune is a licensed property/casualty insurance producer. We principally act asan agent for insurance companies, while dealing fairly and in good faith andintegrity with policyholders, other producers and business partners. For someinsurance products, Attune may act as a licensed surplus lines producer withauthority from an eligible surplus lines insurer. Attune maintains insuranceproducer and surplus lines insurance producer licenses in all 50 states and theDistrict of Columbia.Attune represents insurance companies in the solicitation and sale of insuranceproducts, but currently is not a Managing General Agent (MGA) for any insurer asthat term is defined in state insurance laws. Most of Attune’s business isgenerated from retail brokers (often called sub-producers) who represent insuredclients. In some transactions, intermediary producers may be involved.Attune owns and maintains MyAttuneTM, a proprietary on-line portal that may beaccessed by licensed producers having a producer contract with or otherpermission from Attune. Access may be through the “Broker Log-in” function ofthis Website or independently from the producer’s location. Access to and use ofMyAttune permits producers to make submissions and complete insurancetransactions with Attune on behalf of their clients. Access to MyAttune is not agrant of binding or underwriting authority and is not intended to create anagency relationship between Attune and the producer, but rather is anapplication of technology to effectuate insurance transactions. Authoritygranted by Attune, if any, is limited by the terms of the producer contract. Attune maintains a Customer Care Center for the purpose of providing assistanceto producers and other third parties by responding to business inquiries andassisting with insurance transactions not completed through MyAttune.Attune does not accept claim notices or service of legal process on behalf ofthe insurance companies it represents, nor does it adjust claims. When a claimis made, notice should be given to the insurance company, which is responsiblefor determining the parties’ rights and obligations under the insurance policiesissued. Instructions for filing a claim are typically included with the policy.In some cases, the insurance company may be represented by a claim servicecompany. Attune is not a claim service company.Any descriptions of insurance products or services by Attune do not amend,modify or supplement any insurance policy. Policyholders should consult theactual policy and their insurance agent or broker for details regarding terms,conditions, coverage and exclusions in the policy, as well as products, servicesand programs which may be available. Eligibility for particular products andservices is subject to the final determination of underwriting qualifications.Not all policies and/or coverages are available in every jurisdiction.Whether coverage exists or does not exist for any particular claim or loss underany policy depends on the facts and circumstances involved in the claim or loss,the law applicable to the claim and all applicable policy wording. Anyinformational statements regarding insurance coverage, either in this web siteor other Attune material, are for general description purposes only.The general information contained in this Website is not an offer to sellinsurance. No binder, insurance policy, change, addition, and/or deletion toinsurance coverage goes into effect until the policy is issued and premium ispaid. Any proposal of insurance Attune may present will be based upon theinformation the applicant provides. Information provided on this site does notconstitute professional advice. For legal, tax or financial planning questions,please contact an appropriate professional. Any hypertext links to other sitesare provided as a convenience only. Attune has no control over those sites anddoes not endorse or guarantee any information provided by those sites.CompensationAttune is committed to dealing fairly and with complete integrity withconsumers, other insurance producers and others with whom we work in providinginsurance products and services. To that end, we provide this disclosureregarding Attune’s sources of its compensation from insurance companies or otherparties.Attune may receive compensation in the form of commissions paid by an insurancecompany, calculated as a percentage of premiums, pursuant to an arrangement withthe insurance company. These commissions are for the service we perform inplacing and servicing insurance policies on the insurance company’s behalf.Attune may also be eligible to receive other forms of compensation such asincentive or contingency payments or bonuses and/or supplemental commissionsfrom insurance companies. These may be based on our aggregate historical orcurrent performance with respect to a line of business or customer segment andnot specifically related to any particular policy or policyholder.Other insurance producers who perform service in placing and servicing insurancethrough Attune may receive compensation from Attune in the form of service feesas determined by Attune’s arrangement with such producer.Attune may hold premium or return premium funds temporarily, in which caseAttune may receive interest or investment income on such funds.Please contact Attune or your retail producer if you have specific questionsregarding the compensation Attune receives as it relates to your account. Website Privacy Policy (Revised through 10/2019)Attune Insurance Services, LLC respects your privacy and is committed toprotecting it through compliance with this policy.The principal purposes of the Website are to introduce the public to Attune,describe our products and services, invite applications for employment andfacilitate interaction with potential business partners. Currently, we do notcollect information from you when you visit the website www.attuneinsurance.com(the “Website”).From the Website, through the “broker sign-in” link, insurance producers maylink to MyAttune, Attune’s on-line portal for making submissions to underwriteinsurance business and complete insurance transactions. This is not a publicwebsite. In order to access MyAttune, a producer must have an in-force producercontract with Attune and must have current user names and passwords. Information collected by us through MyAttune transactions, offline or throughany other means, are subject to Attune’s data privacy and security and recordretention policies.The insurance producers, insurance companies and other third parties with whichAttune conducts business are responsible for the efficacy of their own privacyand data security policies in protecting the privacy of their customers,employees, business partners and those visiting their websites. Information provided by job applicants through Attune’s “Careers” page will beheld in confidence and not disclosed to any third parties unless required bylaw. Such information will be used only for the purpose of evaluating thequalifications of job applicants. By accessing or using the Website, you agree to this privacy policy. This policymay change from time to time. Your continued use of the Website after we makechanges is deemed to be acceptance of those changes, so please check the policyperiodically for updates.Changes to this Privacy PolicyIt is our policy to post any changes we make to our Website privacy policy onthis page. If we make material changes to how we treat our users’ personalinformation, we will notify you through a notice on the Website home page. Thedate the privacy policy was last revised is identified at the top of the page.You are responsible for periodically visiting the Website and this privacypolicy to check for any changes.Contact Information To ask questions or comment about this privacy policy and our privacy practices,contact us at: Attune Insurance Services, LLC 44 Wall Street, Floor 22, New York, NY 10005hello@attuneinsurance.com Terms of UseAcceptance of the Terms of UseThese terms of use are entered into by and between you and Attune. The followingterms and conditions, together with any documents they expressly incorporate byreference (collectively, these “Terms of Use”), govern your access to and use ofwww.attuneinsurance.com, including any content, functionality and servicesoffered on or through www.attuneinsurance.com (the “Website”).Please read the Terms of Use carefully before you start to use the Website. Byusing the Website, you accept and agree to be bound and abide by these Terms ofUse and our Privacy Policy, found on this page, incorporated herein byreference. If you do not want to agree to these Terms of Use or the PrivacyPolicy, you must not access or use the Website.This Website is offered and available to users who are 18 years of age or olderand reside in the United States or any of its territories or possessions. Byusing this Website, you represent and warrant that you are of legal age to forma binding contract with Attune and meet all of the foregoing eligibilityrequirements. If you do not meet all of these requirements, you must not accessor use the Website.Changes to the Terms of UseWe may revise and update these Terms of Use from time to time in our solediscretion. All changes are effective immediately when we post them, and applyto all access to and use of the Website thereafter. However, any changes to thedispute resolution provisions set forth under Governing Law and Jurisdictionbelow will not apply to any disputes for which the parties have actual noticeprior to the date the change is posted on the Website.Your continued use of the Website following the posting of revised Terms of Usemeans that you accept and agree to the changes. You are expected to check thispage from time to time so you are aware of any changes, as they are binding onyou.Accessing the Website and Account SecurityWe reserve the right to withdraw or amend this Website, and any service ormaterial we provide on the Website, in our sole discretion without notice. Wewill not be liable if for any reason all or any part of the Website isunavailable at any time or for any period. From time to time, we may restrictaccess to some parts of the Website, or the entire Website, to users, includingregistered users.You are responsible for: * Making all arrangements necessary for you to have access to the Website. * Ensuring that all persons who access the Website through your internet connection are aware of these Terms of Use and comply with them.To access some of the resources the Website offers, you may be asked to providecertain registration details or other information. It is a condition of your useof the Website that all the information you provide on the Website is correct,current and complete. You agree that all information you provide to registerwith this Website or otherwise, including through the use of any interactivefeatures on the Website, is governed by our Privacy Policy, and you consent toall actions we take with respect to your information consistent with our PrivacyPolicy.If you choose, or are provided with, a user name, password or any other piece ofinformation as part of our security procedures, you must treat such informationas confidential, and you must not disclose it to any other person or entity. Youagree to notify us immediately of any unauthorized access to or use of your username or password or any other breach of security.We have the right to disable any user name, password or other identifier,whether chosen by you or provided by us, at any time in our sole discretion forany or no reason, including if, in our opinion, you have violated any provisionof these Terms of Use.Additional Intellectual Property RightsIn addition to the notice concerning Attune’s ownership of its service marks andlogo above, the Website and its entire contents, features and functionality(including but not limited to all information, software, text, displays, images,video and audio, and the design, selection and arrangement thereof), are ownedby Attune or its licensors or other providers of such material and are protectedby United States and international copyright, trademark, patent, trade secretand other intellectual property or proprietary rights and laws.You may not reproduce, distribute, modify, create derivative works of, publiclydisplay, publicly perform, republish, download, store or transmit any of thematerial on our Website, except as follows: * Your computer may temporarily store copies of such materials incidental to your accessing and viewing those materials. * You may store files that are automatically cached by your Web browser for display enhancement purposes. * You may print one copy of a reasonable number of pages of the Website for your own reasonable business use and not for further reproduction, publication or distribution. * If we provide desktop, mobile or other applications for download, you may download a single copy to your computer or mobile device solely for your own personal, non-commercial use, provided you agree to be bound by our end user license agreement for such applications. * If we provide social media features with certain content, you may take such actions as are enabled by such features.You must not: * Modify copies of any materials from this site. * Use any illustrations, photographs, video or audio sequences or any graphics separately from the accompanying text. * Delete or alter any copyright, trademark or other proprietary rights notices from copies of materials from this site.If you print, copy, modify, download or otherwise use or provide any otherperson with access to any part of the Website in breach of these Terms of Use,your right to use the Website will cease immediately and you must, at ouroption, return or destroy any copies of the materials you have made. No right,title or interest in or to the Website or any content on the Website istransferred to you, and all rights not expressly granted are reserved by Attune.Any use of the Website not expressly permitted by these Terms of Use is a breachof these Terms of Use and may violate copyright, trademark and other laws.Prohibited UsesYou may use the Website only for lawful purposes and in accordance with theseTerms of Use. You agree not to use the Website: * In any way that violates any applicable federal, state, local or international law or regulation (including any laws regarding the export of data or software to and from the United States or other countries). * For the purpose of exploiting, harming or attempting to exploit or harm minors in any way by exposing them to inappropriate content, asking for personally identifiable information or otherwise. * To impersonate or attempt to impersonate Attune, a Company employee, representative or agent, another user or any other person or entity (including by using email addresses or screen names associated with any of the foregoing). * To engage in any other conduct that restricts or inhibits anyone’s use or enjoyment of the Website, or which, as determined by us, may harm Attune or users of the Website or expose them to liability.Additionally, you agree not to: * Use the Website in any manner that could disable, overburden, damage, or impair the site or interfere with any other party’s use of the Website, including their ability to engage in real time activities through the Website. * Use any robot, spider or other automatic device, process or means to access the Website for any purpose, including monitoring or copying any of the material on the Website. * Use any manual process to monitor or copy any of the material on the Website or for any other unauthorized purpose without our prior written consent. * Use any device, software or routine that interferes with the proper working of the Website. * Introduce any viruses, Trojan horses, worms, logic bombs or other material which is malicious or technologically harmful. * Attempt to gain unauthorized access to, interfere with, damage or disrupt any parts of the Website, the server on which the Website is stored, or any server, computer or database connected to the Website. * Attack the Website via a denial-of-service attack or a distributed denial-of-service attack. * Otherwise attempt to interfere with the proper working of the Website.Monitoring and Enforcement; TerminationWe have the right to: * Take appropriate legal action, including referral to law enforcement, for any illegal or unauthorized use of the Website. * Terminate or suspend your access to all or part of the Website for any violation of these Terms of Use.YOU WAIVE AND HOLD HARMLESS ATTUNE AND ITS AFFILIATES, LICENSEES AND SERVICEPROVIDERS FROM ANY CLAIMS RESULTING FROM ANY ACTION TAKEN BY ANY OF THEFOREGOING PARTIES DURING OR AS A RESULT OF ITS INVESTIGATIONS AND FROM ANYACTIONS TAKEN AS A CONSEQUENCE OF INVESTIGATIONS BY SUCH PARTIES OR LAWENFORCEMENT AUTHORITIES.We assume no liability for any action or inaction regarding transmissions,communications or content provided by any third party. We have no liability orresponsibility to anyone for performance or nonperformance of the activitiesdescribed in this section.Reliance on Information PostedThe information presented on or through the Website is made available solely forgeneral information purposes. We do not warrant the accuracy, completeness orusefulness of this information. Any reliance you place on such information isstrictly at your own risk. We disclaim all liability and responsibility arisingfrom any reliance placed on such materials by you or any other visitor to theWebsite, or by anyone who may be informed of any of its contents.This Website may include content provided by third parties. All statementsand/or opinions expressed in these materials, other than the content provided byAttune, are solely the opinions and the responsibility of the person or entityproviding those materials. These materials do not necessarily reflect theopinion of Attune. We are not responsible, or liable to you or any third party,for the content or accuracy of any materials provided by any third parties.Changes to the WebsiteWe may update the content on this Website from time to time, but its content isnot necessarily complete or up-to-date. Any of the material on the Website maybe out of date at any given time, and we are under no obligation to update suchmaterial.Information About You and Your Visits to the WebsiteAll information we collect on this Website is subject to our Privacy Policy. Byusing the Website, you consent to all actions taken by us with respect to yourinformation in compliance with the Privacy Policy.Additional Terms and ConditionsAdditional terms and conditions may also apply to specific portions, services orfeatures of the Website. All such additional terms and conditions are herebyincorporated by this reference into these Terms of Use.Linking to the Website and Social Media FeaturesYou may link to our homepage, provided you do so in a way that is fair and legaland does not damage our reputation or take advantage of it, but you must notestablish a link in such a way as to suggest any form of association, approvalor endorsement on our part without our express written consent.This Website may provide certain social media features that enable you to: * Link from your own or certain third-party websites to certain content on this Website. * Send emails or other communications with certain content, or links to certain content, on this Website. * Cause limited portions of content on this Website to be displayed or appear to be displayed on your own or certain third-party websites.You may use these features solely as they are provided by us, solely withrespect to the content they are displayed with and otherwise in accordance withany additional terms and conditions we provide with respect to such features.Subject to the foregoing, you must not: * Establish a link from any website that is not owned by you. * Cause the Website or portions of it to be displayed, or appear to be displayed by, for example, framing, deep linking or in-line linking, on any other site. * Link to any part of the Website other than the homepage. * Otherwise take any action with respect to the materials on this Website that is inconsistent with any other provision of these Terms of Use.You agree to cooperate with us in causing any unauthorized framing or linkingimmediately to cease. We reserve the right to withdraw linking permissionwithout notice.We may disable all or any social media features and any links at any timewithout notice in our discretion.Links from the WebsiteIf the Website contains links to other sites and resources provided by thirdparties, these links are provided for your convenience only. This includes linkscontained in advertisements, including banner advertisements and sponsoredlinks. We have no control over the contents of those sites or resources, andaccept no responsibility for them or for any loss or damage that may arise fromyour use of them. If you decide to access any of the third party websites linkedto this Website, you do so entirely at your own risk and subject to the termsand conditions of use for such websites.Geographic RestrictionsThe owner of the Website is based in the State of New York in the United States.We provide this Website for use only by persons located in the United States. Wemake no claims that the Website or any of its content is accessible orappropriate outside of the United States. Access to or use of services providedon the Website may not be legal by certain persons or in certain countries. Ifyou access the Website from outside the United States, you do so on your owninitiative and are responsible for compliance with local laws.Disclaimer of WarrantiesYou understand that we cannot and do not guarantee or warrant that filesavailable for downloading from the internet or the Website will be free ofviruses or other destructive code. You are responsible for implementingsufficient procedures and checkpoints to satisfy your particular requirementsfor anti-virus protection and accuracy of data input and output, and formaintaining a means external to our site for any reconstruction of any lostdata. WE WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY A DISTRIBUTEDDENIAL-OF-SERVICE ATTACK, VIRUSES OR OTHER TECHNOLOGICALLY HARMFUL MATERIAL THATMAY INFECT YOUR COMPUTER EQUIPMENT, COMPUTER PROGRAMS, DATA OR OTHER PROPRIETARYMATERIAL DUE TO YOUR USE OF THE WEBSITE OR ANY SERVICES OR ITEMS OBTAINEDTHROUGH THE WEBSITE OR TO YOUR DOWNLOADING OF ANY MATERIAL POSTED ON IT, OR ONANY WEBSITE LINKED TO IT.YOUR USE OF THE WEBSITE, ITS CONTENT AND ANY SERVICES OR ITEMS OBTAINED THROUGHTHE WEBSITE IS AT YOUR OWN RISK. THE WEBSITE, ITS CONTENT AND ANY SERVICES ORITEMS OBTAINED THROUGH THE WEBSITE ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE”BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. NEITHERATTUNE NOR ANY PERSON ASSOCIATED WITH ATTUNE MAKES ANY WARRANTY ORREPRESENTATION WITH RESPECT TO THE COMPLETENESS, SECURITY, RELIABILITY, QUALITY,ACCURACY OR AVAILABILITY OF THE WEBSITE. WITHOUT LIMITING THE FOREGOING, NEITHERATTUNE NOR ANYONE ASSOCIATED WITH ATTUNE REPRESENTS OR WARRANTS THAT THEWEBSITE, ITS CONTENT OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE WEBSITE WILLBE ACCURATE, RELIABLE, ERROR-FREE OR UNINTERRUPTED, THAT DEFECTS WILL BECORRECTED, THAT OUR SITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OFVIRUSES OR OTHER HARMFUL COMPONENTS OR THAT THE WEBSITE OR ANY SERVICES OR ITEMSOBTAINED THROUGH THE WEBSITE WILL OTHERWISE MEET YOUR NEEDS OR EXPECTATIONS.ATTUNE HEREBY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED,STATUTORY OR OTHERWISE, INCLUDING BUT NOT LIMITED TO ANY WARRANTIES OFMERCHANTABILITY, NON-INFRINGEMENT AND FITNESS FOR A PARTICULAR PURPOSE.THE FOREGOING DOES NOT AFFECT ANY WARRANTIES WHICH CANNOT BE EXCLUDED OR LIMITEDUNDER APPLICABLE LAW.Limitation of LiabilityIN NO EVENT WILL ATTUNE, ITS AFFILIATES OR THEIR LICENSORS, SERVICE PROVIDERS,EMPLOYEES, AGENTS, OFFICERS OR DIRECTORS BE LIABLE FOR DAMAGES OF ANY KIND,UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, ORINABILITY TO USE, THE WEBSITE, ANY WEBSITES LINKED TO IT, ANY CONTENT ON THEWEBSITE OR SUCH OTHER WEBSITES OR ANY SERVICES OR ITEMS OBTAINED THROUGH THEWEBSITE OR SUCH OTHER WEBSITES, INCLUDING ANY DIRECT, INDIRECT, SPECIAL,INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO,PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSSOF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, LOSS OFGOODWILL, LOSS OF DATA, AND WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE),BREACH OF CONTRACT OR OTHERWISE, EVEN IF FORESEEABLE.THE FOREGOING DOES NOT AFFECT ANY LIABILITY WHICH CANNOT BE EXCLUDED OR LIMITEDUNDER APPLICABLE LAW.IndemnificationYou agree to defend, indemnify and hold harmless Attune, its affiliates,licensors and service providers, and its and their respective officers,directors, employees, contractors, agents, licensors, suppliers, successors andassigns from and against any claims, liabilities, damages, judgments, awards,losses, costs, expenses or fees (including reasonable attorneys’ fees) arisingout of or relating to your violation of these Terms of Use or your use of theWebsite, any use of the Website’s content, services and products other than asexpressly authorized in these Terms of Use or your use of any informationobtained from the Website.Governing Law and JurisdictionAll matters relating to the Website and these Terms of Use and any dispute orclaim arising therefrom or related thereto (in each case, includingnon-contractual disputes or claims), shall be governed by and construed inaccordance with the internal laws of the State of New York without giving effectto any choice or conflict of law provision or rule (whether of the State of NewYork or any other jurisdiction).Any legal suit, action or proceeding arising out of, or related to, these Termsof Use or the Website shall be instituted exclusively in the federal courts ofthe United States or the courts of the State of New York in each case located inthe City of New York. You waive any and all objections to the exercise ofjurisdiction over you by such courts and to venue in such courts.ArbitrationAt Attune’s sole discretion, we may require you to submit any disputes arisingfrom the use of the Website or these Terms of Use, including disputes arisingfrom or concerning their interpretation, violation, invalidity, non-performance,or termination, to final and binding arbitration under the Rules of Arbitrationof the American Arbitration Association applying New York law.Waiver and SeverabilityNo waiver by Attune of any term or condition set forth in these Terms of Useshall be deemed a further or continuing waiver of such term or condition or awaiver of any other term or condition, and any failure of Attune to assert aright or provision under these Terms of Use shall not constitute a waiver ofsuch right or provision.If any provision of these Terms of Use is held by a court or other tribunal ofcompetent jurisdiction to be invalid, illegal or unenforceable for any reason,such provision shall be eliminated or limited to the minimum extent such thatthe remaining provisions of the Terms of Use will continue in full force andeffect.Entire AgreementThese Terms of Use and our Privacy Policy constitute the sole and entireagreement between you and Attune Insurance Services, LLC with respect to theWebsite and supersede all prior and contemporaneous understandings, agreements,representations and warranties, both written and oral, with respect to theWebsite.Your Comments and ConcernsThis website is operated by Attune Insurance Services, LLC, at 83 Maiden Lane,Floor 6, New York, NY 10038. Official correspondence must be sent via postalmail to: Attune Insurance Services, LLC 44 Wall Street, Floor 22, New York, NY 10005Feedback, comments, requests for technical support and other communicationsrelating to the Website should be directed to hello@attuneinsurance.com.Attune also offers an Ethics Hotline, administered by Lighthouse Services, forreporting potential ethical violations, fraud, unlawful and other types ofimproper behavior. The Ethics Hotline may be contacted in confidence by:• Website: www.lighthouse-services.com/attuneinsurance• Toll-free telephone: 833-480-0010• Email: reports@lighthouse-services.com (include company name withreport)• Fax: (215) 689-3885 (include company name with report)Lighthouse Services toll free number and other methods of reporting areavailable 24 hours a day, 7 days a week.Gramm-Leach-Bliley Privacy Notice For Attune PolicyholdersWe would like to thank you for the opportunity to serve you, and assure you thatwe recognize our obligation to keep your information secure and confidential.This notice will provide you with more detail about how we do that, and how wecomply with the laws that protect your information under the Gramm-Leach-BlileyAct. This act applies to your non-public personal information as it is definedbelow, and provides guidelines about how we protect your information, thecollection and use of your information, and any disclosure of your information.Protecting Your InformationWe are committed to protecting and maintaining the privacy of all of yourinformation in our possession. We do this by having established internalpolicies and procedures that clearly outline proper handling and maintenance ofthe non-public personal information of our policyholders. These include, but arenot limited to, policies related to the transmission, storage and disposal ofpaper and electronic information; the prevention of unauthorized access anddamage to systems, including damage due to environmental hazards; and assigningand terminating user IDs. We ensure that all Attune employees are trained onthese policies and any updates to the policies are communicated on a regularbasis.Collection and Use of InformationWe may collect non-public personal information about our policyholders for usein the processing and evaluation of applications or eligibility for insurance,investigating a claim, and in connection with other activities relating to yourinsurance. Non-public personal information includes financial information,employment-related information and medical information. Any information thatAttune collects and/or receives is used by authorized company personnel solelyfor the purposes described above, and it may be integrated into our databasesfor statistical and audit purposes. Unless permitted by law, we will onlycollect information from sources other than our policyholders with properauthorization.Disclosure of InformationWe do not disclose any non-public personal information about our policyholdersor former policyholders to anyone unless permitted by law or with properauthorization from the policyholder. We do not sell policyholder lists or othernon-public personal information. As permitted by law, there are circumstanceswhen we will disclose non-public personal information related to a claiminvestigation or other activities relating to your insurance policy withoutauthorization to third parties or affiliates assisting us with these activities. Some examples of the situations in which we may disclose non-public personalinformation include: * Insurers that provide reinsurance; * Attune or our carrier affiliated companies; * Regulatory agencies such as departments of insurance and accreditation organizations; * Courts or attorneys who serve us with a subpoena; * Successor program or claim administrators; * Companies that assist Attune in recovering overpayments, paying claims or performing utilization review services; * Other companies not affiliated with Attune that provide services to us when disclosure is permitted, not prohibited or otherwise required by applicable law. We may change these policies, standards and procedures at any time. If there arematerial changes, we will notify our insureds of the changes.If you have any questions regarding this notice, you may either call us at thetoll free number below or write to us at the following address: :Privacy OfficeAttune Insurance Services, LLC44 Wall Street, Floor 22, New York, NY 10005Telephone Number: 888.530.4650Email: privacy@attuneinsurance.com California Consumer Privacy Act NoticeLast Updated December 30, 2019: Effective January 1, 2020This Consumer Privacy Notice (“Notice”) is provided on behalf of AttuneInsurance Services, LLC (referred to hereinafter as “Attune,” “we” or “our”). We are providing this Notice in accordance with our obligations underapplicable law and as part of our commitment to handling your personalinformation responsibly and transparently. Please review this Notice tounderstand our privacy practices, including what personal information wecollect, why we collect it, how we collect it, and how you can exercise yourrights with respect to your personal information.This Notice applies to individuals associated with corporations, partnerships,other non-individual clients, and other non-client individuals who areCalifornia residents and whose personal information Attune collects. We refer toany company that is not part of Attune as a non-affiliated third party.If you are not a California resident or this Notice does not otherwise apply toyou, please refer to https://blog.attuneinsurance.com/attunes-legal-info/ formore information about how Attune handles personal information.1. What Personal Information Does Attune Collect?The type of personal information we collect may vary depending on yourrelationship with us. We may have collected the following categories ofpersonal information: 1. Identifiers, such as name, contact information, online identifiers and Social Security numbers and other government-issued ID numbers; 2. Personal information, as defined in the California customer records law, such as insurance policy number, education, employment, employment history and financial information; 3. Characteristics of protected classifications under California or federal law, such as sex, age, race, religion, national origin, disability, medical conditions and information, citizenship, immigration status and marital status; 4. Commercial information, such as transaction information and history; 5. Internet or network activity information, to the extent you visit our websites or use our software applications, such as browsing history and interactions with our and other websites and systems; 6. Geolocation data, to the extent you access our website and choose to share your device geolocation data; 7. Audio, electronic, visual, and similar information, such as recordings of calls to our representatives and call centers; 8. Professional or employment-related information, such as work history, prior employer, information relating to references, details of qualifications, skills and experience, human resources data, and data necessary for benefits and related administration services; and 9. Inferences drawn from any of the personal information listed above to create a profile or summary about, for example, an individual’s preferences and characteristics. 2. What Are Attune’s Sources of Personal Information?We collect the personal information described above directly from you such asthrough your transactions with Attune and our business partners, and yourinteractions with us on our websites and social media pages. We also collectthis personal information from other categories of sources such as publiclyavailable databases, consumer reporting agencies, commercially availablesources, third parties authorized by you and prior and current employers, whenthey share the information with us.3. How Does Attune Use Personal Information?Depending on your relationship with us, we may use the personal Informationdescribed above for the following purposes: * to operate, manage, and maintain our business, such as to make insurance decisions, communicate with you and others as part of our business, provide our products and services, and maintain records; * to develop and improve our products and services, such as to undertake quality and safety assurance measures, audit customer interactions, facilitate social sharing functionality, resolve complaints, and evaluate customer service; * for our employment and vendor management purposes; * for security purposes, such as to maintain our facilities and infrastructure, protect against malicious, deceptive, or fraudulent activity, and conduct internal investigations; * for monitoring purposes, such as to establish the existence of facts, maintain compliance with regulatory or self-regulatory practices, or for other purposes permissible under applicable law; * to perform other necessary and appropriate internal functions, such as accounting and auditing; * to conduct research, analytics, and data analysis, and for marketing purposes, such as to personalize, advertise, and market our products and services and administer contests and promotions, in accordance with applicable law; and * to comply with legal and regulatory requirements, defend legal claims, and assist with legal processes such as investigations, and regulatory requests, litigation, and arbitration. 4. How Does Attune Share Personal Information?Due to the size and complexity of our operations, we cannot identify everyrecipient of your personal information. Depending on your relationship with us,we may share your personal information for the purposes described in Section 3with the following categories of recipients: insurance and distribution parties;service providers; providers of Internet-connected devices and associatedsoftware; governmental authorities and third parties involved in court action;parties to a merger or acquisition; and our business partners or other thirdparties as may be required and where we have obtained the appropriateauthorization. The following categories of personal information may have been disclosed asdescribed above: 1. Identifiers, such as name, contact information, online identifiers and Social Security numbers and other government-issued ID numbers; 2. Personal information, as defined in the California customer records law, such as insurance policy number, education, employment, employment history and financial information; 3. Characteristics of protected classifications under California or federal law, such as sex, age, race, religion, national origin, disability, medical conditions and information, citizenship, immigration status and marital status; 4. Commercial information, such as transaction information and history; 5. Internet or network activity information, to the extent you visit our websites or use our software applications, such as browsing history and interactions with our and other websites and systems; 6. Geolocation data, to the extent you access our website and choose to share your device geolocation data; 7. Audio, electronic, visual, and similar information, such as recordings of calls to our representatives and call centers; 8. Professional or employment-related information, such as work history, prior employer, information relating to references, details of qualifications, skills and experience, human resources data, and data necessary for benefits and related administration services; and 9. Inferences drawn from any of the personal information listed above to create a profile or summary about, for example, an individual’s preferences and characteristics.When we share personal information with a non-affiliated third party, that thirdparty cannot use the information except to perform services for Attune, or asmay be permitted or required by law.We do not sell personal information.5. What Rights Are AvailableIf you are a California resident and this Notice applies to you, you may requestthat we:1. Disclose to you the following information covering the 12 months precedingyour request: 1. The categories of personal information we collected about you and the categories of sources from which we collected such personal information; 2. The specific pieces of personal Information we collected about you; 3. The business or commercial purpose for collecting personal information about you; 4. The categories of personal information about you that we otherwise shared or disclosed, and the categories of third parties with whom we shared or to whom we disclosed such personal information (if applicable).2. Delete certain personal information we collected from you. In the event thatyou choose to exercise this right, please note that we may nevertheless retainyour personal information as permitted under applicable law, including but notlimited to the following purposes: 1. To provide goods or services within the context of our relationship with you; 2. To detect security incidents or other fraudulent or illegal activity; 3. To comply with Attune’s legal and regulatory obligations; and 4. To enable other uses that are compatible with your expectations or appropriate given the context in which the personal information was collected. In order to make either of the requests listed above, please contact us bye-mail at privacy@attuneinsurance.com.To submit a verifiable request, we will require that you or your authorizedrepresentative provide certain identifying information. Authorizedrepresentatives will also be required to provide proof of their authority to acton your behalf. If we are unable to verify your identity, or confirm that youhave authorized the request, we may not be able to respond to your request infull.Under California law, you are entitled to exercise your rights withoutexperiencing any discriminatory treatment.6. Changes to this CCPA NoticeWe may change or update this CCPA Notice from time to time. When we do, we willpost the revised CCPA Notice on this page with a new “Last Updated” date.