Tokio Marine Management, Inc. and its affiliated insurance companies (collectively “Tokio Marine”) are concerned about the privacy of their customers and website visitors. The following sets forth how Tokio Marine collects, uses and shares information. Users may browse our website without telling us who they are or revealing any personal information.

Information that Tokio Marine Collects
Tokio Marine collects non-public personal and financial information about users only if they choose to provide it to us. Non-public personal or financial information includes personally identifiable information such as name, address and telephone number. Tokio Marine does not use cookies to collect personally identifiable information. However, for internal purposes only such as to show on-line activity and web usage trends, we log the number of visits to our website. This log information is never shared or disclosed and does not contain personally identifiable information.

Tokio Marine has developed policies and procedures for the protection of non-public personal and financial information and maintains safeguards to protect data and files containing customer non-public information. All Tokio Marine employees are responsible for the protection of non-public personal information and are responsible for compliance with Tokio Marine’s privacy policies.

It is the policy of Tokio Marine to:
• Protect the confidentiality of social security numbers and all non-public personal information it receives;
• Prohibit the unlawful disclosure of social security numbers and all non-public personal information it receives; and
• Limit access to social security numbers and all non-public personal information it receives.

How Tokio Marine Uses Personally Identifiable Information that is Collected
Tokio Marine collects non-public personal or financial information that is necessary for 1) determining eligibility for a product or service requested by a customer; 2) for administering a product or service that has been requested by a customer; or 3) for advising a customer about other products and services that are available. Any information sent to Tokio Marine by a web user is used to answer questions or concerns or to provide information.

Tokio Marine uses non-public personal or financial information solely in accordance with applicable law.

Sharing Information that is Collected
Tokio Marine does not share non-public personal or financial information about a customer, applicant, insured or claimant with any third party for telemarketing, direct mail or e-mail marketing purposes.

Tokio Marine may disclose non-public personal or financial Information to an unaffiliated third party, such as a third party administrator or vendor, that we retain pursuant to a written contract for services. Such service contracts contain a non-disclosure/confidentiality provision. We may also disclose personal information to third parties, such as law firms or accountants, which assist us with business transactions, as permitted by law.

Notification of Changes to our Privacy Policy
If Tokio Marine changes its privacy policy, we will post any changes on our website. This privacy policy was updated November 2008.