Effective Date: January 1, 2014

Thank you for visiting EpiqAgency.com. We post these policies to better inform you
about our services, data we collect, and how we use visitor information.
We seek to protect the integrity of our websites and welcome your feedback.

For questions about these policies, please contact us at:

Customer Support E-mail: info@epiqagency.com
Customer Support Phone: 216-765-1580
Customer Support Address: Epiq Agency 5895 Harper Road, Solon, OH 44139

1. IN GENERAL

Agreement

All use of EpiqAgency.com (this “Site”) is subject to these Privacy Policy /
Terms of Service (these “Policies”). By accessing and using this Site you
agree to these Policies. EpiqAgency.com (“Epiq Agency”) reserves the
right to change these Policies at any time for any reason, and to include a notice
of any change to these Policies on this Site. By continuing to use this Site you
agree to be bound by such revisions. In addition, by filling out an insurance quote
application and providing Personal Information, you acknowledge that you have
read, understand and agree to these Policies.

Scope of these Policies

These Policies apply only to information collected through this Site and do not apply
to information collected offline.

These Policies apply only to this Site and do not apply to other companies’ or
organizations’ web sites to which we may link. In some states, or for certain lines of
coverage, we may provide direct links to insurance company or agency web sites.
Epiq Agency assumes no responsibility or liability for the content or activities of any
linked site. When you purchase products or services through third party web sites,
you become their customer and are subject to their policies. We encourage you to
review those companies’ policies and do business with only those who adhere to
privacy practices with which you are comfortable.

These Policies do not create any third party rights.

2. INFORMATION WE COLLECT FROM VISITORS

Online Interview

In order to provide insurance quotations, we ask visitors to fill out an application
form and provide good contact information. We match this data with insurance
agents / carriers we think are likely to meet the insurance need. We do not collect
any personally identifiable information (“Personal Information”) from you
unless you voluntarily choose to disclose such information while taking advantage
of the services on this Site. Personal Information is used to facilitate your requests
to apply for insurance and the following may be needed in order for us to provide
targeted quotes:

  • Full name
  • Street address
  • E-mail address
  • Phone number
  • Date of birth
Offline Interview

If you take advantage of post-application processes, whether through call / contact
center services or with licensed insurance agents, additional Personal Information
may be collected and incorporated into Epiq Agency’s systems so the products or
services you select may be fulfilled and policies purchased tracked.

Aggregate Data

We gather non-personally identifiable information (“Aggregate Data”) with
respect to all visitors’ use of this Site to determine the extent to which certain parts
of the Site are used and for other purposes that enable us to make the Site more
useful. Aggregate Data collected is used to enhance the Site, consumer experience,
insurance quote application processes, and communications. Aggregate Data
includes, but is not limited to, all of the following:

Cookies We use cookies on this Site. Cookies are bits of information
sent to browsers from web servers and stored on computer hard drives
for record-keeping purposes. Cookies collect technical data and identify
operating systems and session IDs. Cookies save information previously
provided and help us recognize visitors who return to this Site. If you prefer,
you can reset your browser to notify you when you’ve received a cookie or,
alternatively, to refuse to accept cookies.

Web Beacons We use web beacons on this Site. Web beacons place
a cookie on an end-user’s computer so that when they visit a partner site the
end-user’s cookie data may be tracked and allow the partner to identify that
an end-user has achieved a certain milestone. This tracking concept is used
commonly on the Internet and is sometimes referred to as “pixel tracking”.

Session IDs We collect end-user data based off of a session ID. This is
how we organize answers to questions. Session IDs allow us to see all of the
end-user input for one quote.

IP Addresses We collect and analyze traffic on this Site by keeping
track of the IP addresses of visitors. IP addresses are unique numeric
identifiers assigned to computer browsers accessing the Internet. An IP
address, by itself, cannot identify you personally. However, when combined
with other information provided by your ISP (“Internet Service Provider”) your
IP address can be used to identify the computer originating a message.

3. INFORMATION USE and SHARING

We use Personal Information collected on this Site for a variety of purposes
including, but not limited to, providing quotes, processing applications and
completing the sale of insurance products.

We do not sell, rent or trade Personal Information with third parties for their
promotional purposes alone. However, we do provide Personal Information to
affiliates for insurance quoting and/or policy writing purposes. Sometimes third
party service providers are retained or utilized by Epiq Agency and they may have
access to visitors’ Personal Information. Please be aware that, while we takes steps
to protect third party use of Personal Information, there is no foolproof means of
policing the activities of third parties’ Personal Information use.

Aggregate Data (Cookies, Web Beacons, Session IDs and IP Addresses) may be
used and shared with quote aggregators, insurance providers, or for promotion
of insurance lead generation or Epiq Agency’s business processes. We may
also share your Personal Information with companies with whom Epiq Agency is
affiliated, subsequently acquires, is purchased by or merged with.

We reserve the right to disclose any information when required to do so by law or if
we believe that such action is necessary:

  • To comply with legal process;
  • To investigate reports of false or misleading information;
  • To protect against misuse of the Site or our services;
  • To prevent or investigate reports of fraud or unauthorized use;
  • To protect Epiq Agency’s rights and property; or
  • During emergencies, for example when physical safety is at risk.

4. SECURITY

We want you to feel confident using this Site and our services. When you provide
Personal Information, we encrypt using a SSL (Secure Socket Layer) to protect
transfer and storage. During the interview process you should be on secure
pages of the Site and a lock or key icon should appear on the bottom of your web
browser screen. Personal Information is restricted in our offices; but employees
are granted good-faith access to meet customers’ needs. The servers on which
we store Personal Information are kept in an Internet hosting facility with physical
security safety features. We also require that affiliated third parties with whom we
share Personal Information agree to implement and maintain reasonable security
procedures and practices.

5. OPT-IN / OPT-OUT

Opt-In. When you take advantage of the services on this Site you will promptly
receive commercial and promotional messages about products, services, and
features offered by Epiq Agency and affiliated insurance providers. You are
explicitly opting-in and allowing us to use and share your information in accordance
with these Policies. You are agreeing to receive marketing/telemarketing
communications via any contact mechanism or medium and acknowledge that
consent is not a condition of your purchase of goods or services.

Opt-Out. If you do not wish to be contacted, please do not submit any information.
You may Opt-Out by unchecking the pre-checked box during the Interview process.
Please be aware that each Interview is considered a new visitor session. This
means that if you do not Opt-Out during each Interview you may be contacted.

E-mail Opt-Out. All marketing email sent by Epiq Agency or third parties should
include an Opt-Out or Unsubscribe link allowing you to withdraw your permission for
future e-mails. At any time, you can send an e-mail to info@epiqagency.com and
type “Remove” in the subject field. This system may be automated and you should
make contact from the email address you wish to be removed.

6. MISCELLANEOUS

California Residents. To request information regarding disclosure of
Personal Information to third parties for direct marketing purposes, e-mail us at
info@epiqagency.com or contact us by telephone or post at the contact information
included above and below.

Do-Not-Track. Your web browser may be set by default to indicate your intent
not to be tracked. If it is not, you likely are able to set that preference. We generally
do not respond to “Do-Not-Track” signals or follow comparable signals sent by web
browsers.

Children’s Online Privacy Protection. This Site is not intended for use by
children. By using this Site you represent that you are at least 13 years of age or
older. If we discover receipt of any information from a child under 13 years old, we
will delete it. Moss’ websites, products and services are all directed to adults and
intended for business purposes.

Update your Personal Information. If your phone or e-mail changes, or if
you want to otherwise update your information, contact us at:

Customer Support E-mail: info@epiqagency.com
Customer Support Phone: 216-765-1580
Customer Support Address: Epiq Agency 5895 Harper Road, Solon, OH 44139