At TENET, we believe it is important for you to know how we use the information you share with us in the personal and business insurance sections of our Web site.

Why does TENET ask me for information online?*

Our Web site was created to provide easy access to information about our products and services, and we encourage you to browse the various areas of our site without revealing any personal information about yourself. You will notice that some screens ask for specific data about you. For example, in order to provide a quote that accurately reflects your particular insurance needs, we may ask for information about you and the property or exposure you wish to insure. Information requested may also be used to access motor vehicle records, loss reports, credit or other consumer reports, and reports on the condition and value of property to be insured, which are used for underwriting purposes. We may also order such reports in connection with an update, change, reinstatement or renewal of any policy we may issue to you. Upon your request, we will advise you of the name and address of any consumer reporting agency from whom we order a report.

How does TENET collect information from visitors to its Web site?*

In most cases, we ask for your specific information through a questionnaire. In addition, as part of our ongoing Web site content development, we use "cookies" to measure traffic to various areas of our site. (A cookie is a small file that a Web site can send to a user's browser to track the number of visits and average time spent in specific areas of its site.) The cookie expires as soon as you exit our site. The information we collect through cookies is aggregated to determine overall (rather than individual) use of our site, and is used to tailor future content based on the interests of our visitors. If you do not wish to accept cookies, you may choose to disable cookies by modifying the preferences in your browser.

How does TENET use my information?*

The information we collect from you via this Web site will be used in the normal course of conducting our insurance business. For example, the information may be used to fulfill your online request, evaluate your other insurance needs, and to provide service in connection with any policy that may be issued to you. From time to time, we may also send you information about our other products and services that we think may be of interest to you.

If you do not wish to be contacted about our other products or services, you may opt-out of such future communications by contacting us.

How does TENET keep my information secure?*

TENET has put in place a security measure called SSL encryption. This security measure protects the information you submit to us.

To see if a page is protected by SSL, click on the security information link which appears near the bottom of the page. Because of the nature of the Internet, TENET is not liable for any misuse by third parties of any electronically transmitted information.

Does TENET share information about me with other companies?*

Typically, TENET shares the information we gather via this Web site only with our agents and other parties who assist us with our business. However, this information may also be shared with regulatory authorities, law enforcement agencies, other governmental authorities and third parties to protect our interests, and to perform actuarial or research studies. We do not sell or rent our customers' e-mail addresses to third parties for the purpose of transmitting unsolicited e-mail messages.

* Note: This privacy statement applies to our personal and business insurance sections of TENET's Web site. We are not responsible for the Web sites of other companies that may be hyperlinked to this Web site. This statement is not intended to and does not create any contractual or other legal rights in or on behalf of any party, and is subject to change. Changes will be posted to this site for a minimum period of 30 days.

SSL Encryption

TENET is committed to protecting your privacy and security. This site is protected by the SSL (Secure Socket Layer) encryption. SSL utilizes data encryption to create a secure environment for you to conduct your on-line transactions. In order for SSL to be effective, you must be using an SSL compliant browser. (e.g. Netscape Navigator 3.0 or Internet Explorer Microsoft 3.0 and above)

In Netscape you can determine whether encryption is active by looking at the little key in the lower left-hand corner of the Netscape window. A solid key indicates that the document is encrypted, while a broken key indicates that the document is not encrypted. In Microsoft Internet Explorer, a solid padlock will appear on the bottom right of the screen when encryption is in use.