This Notice applies to the following websites (collectively, "Sites"):

• The Selective Insurance Group, Inc. website, located at http://www.selective.com ("Selective.com") and owned and operated by Selective Insurance Group, Inc. ("Selective") and its member insurers.
• http://www.myfloodonline.com, operated by certain Selective Insurance Group, Inc. member insurers.

The purpose of this website Privacy Notice ("Notice") is to describe the personal and other information Selective obtains about individual consumers and customers visiting Selective's Sites, how it is obtained and used, and how you can restrict its use or disclosure. This Notice applies to information collected about individual consumers visiting Selective Sites. Your use of the Sites constitutes your consent to this Notice. If you do not agree with the terms and conditions of this Notice, do not use Selective's Sites. Please note that Selective's Notice changes from time to time; we encourage you to review it regularly.

Other Terms

Your use of the Sites is also subject to and contingent upon your agreement with the Selective User Agreement terms and conditions, which may change from time to time ("User Agreement"), and are hereby incorporated by reference.

Information We Gather

The only personal information Selective obtains about individual visitors to Selective's Sites is information supplied voluntarily by you. This means that you can visit the public areas of Selective's Sites without telling Selective who you are or revealing any personal information about yourself. To gauge the effectiveness of Selective's Sites, Selective collects certain information about you as you move through Selective’s Sites. Selective's servers automatically recognize your domain name (such as .com, .edu, etc.), the web page from which you enter Selective's Sites, which pages you visit, and how much time you spend on each page. Selective aggregates this information and uses it to evaluate and improve Selective's Sites.

You can choose to provide Personal Information to Selective in a number of ways; through Selective's sites, by sending Selective e-mails, or requesting information about Selective's products or services. When you supply personal information for a specific purpose, Selective uses the information for that purpose (such as to provide the information you have requested). In addition, when you use Selective's Sites to request information about Selective's products or services or to supply Selective with information, Selective may use the personal information as it would use the same type of information obtained off-line for example, to evaluate your service needs and contact you regarding additional services you may find useful. You have the right to choose not to receive this information by notifying Selective of your preferences.

Selective Collects And Uses Information Throughout Selective's Sites For The Following Reasons:

To engage in transactions or communications. Name, address, and e-mail information may be collected and stored as part of the transaction history. The majority of the information collected under this category is contact information. We may need to share some of this information (address, payment) with Selective's third party service providers that are required to accomplish the transaction on Selective's behalf.

To provide future service and support. Information collected for this purpose is both contact information and information related to products and service/support requested. This information is also used to provide service, product update, and similar notices.

To select content. Information may be collected to help create content and navigation that is most relevant and user friendly. This includes information collected as a result of site navigation as well as information provided in forms.

To respond to user inquiries and requests for information. This information includes your specific requests to receive further information.

For Registration Purposes. Where we have provided you with the ability to create an account or profile of information, we maintain the information and allow you to update it at any time.

For Bill Pay Purposes. For certain products, Selective has provided you with the ability to enroll online to Selective's Selective Bill Pay service and to make payments online.

To better respond to requests for service or quotes for product purchase. Selective will pass contact information to the appropriate Selective sales person for follow-up related to your request.

As a result of legal requirements. Selective may be required to provide personal information to comply with legally mandated reporting, disclosure or other legal process requirements or if disclosure is necessary to protect the safety of Selective's customers, employees or property.

To protect Selective or Selective’s customers from fraud and other unlawful activities.

For insurance applicants, customers or claimants, as detailed in Selective's Notice of Information Practices. Selective may also use the personal information you submit pursuant to Selective's Notice of Information Practices.

Cookies

Selective's Sites may use "cookies" to improve Selective's level of service to you. Cookies are lines of text that are transmitted to your web browser when you click on a site. Your browser stores the information on your hard drive and when you return to that site, the cookie is transmitted back to the server that originally sent it to you. Cookies provide a way for a server to recall a previous request or previous registration, or to keep track of a transaction as it progresses, so that information does not have to be repeated. To be notified when you are about to receive a cookie, you can configure your browser to alert you when a site is attempting to send you a cookie and at that time you will have the option of refusing the cookie. You can check your hard drive for cookie files, on the "cookies.txt" file on your PC's hard drive; or under "magic cookies" on a Macintosh. If you choose to disable these cookies, some or all of the functionality of Selective's Sites may be unavailable to you.

Troubleshooting

Selective continues to work on methods to increase the scope of information that you may access and update. Please contact Selective at privacy@selective.com should you require further assistance concerning your information or if you have trouble accessing your profile. Please indicate 'access' in the subject line and let us know what the access problem is in the body of the message. You may also obtain assistance by writing to Selective's Chief Privacy Officer at the address indicated further below.

How can you opt out or request changes to how your personal information is handled?

If you would like to receive a copy of the personal information Selective has about you please send a request to privacy@selective.com, and Selective will make all reasonable efforts to comply with your request. If this information is incorrect or incomplete, please notify Selective, and it will be corrected or updated promptly (unless further information from you is required in order to fulfill your request) and in any event in accordance with applicable laws. You may also ask Selective to remove your name and other personal information from Selective's database, in which case Selective will make all reasonable efforts to do so.

Selective does not send unsolicited "junk" email (spam). Selective may use email to communicate with you, to respond to your emails, to confirm orders placed online, and to send information you have requested. If you receive an unwanted email from Selective, you can simply use the reply feature on your browser in order to ask Selective not to send you future emails. In the body of your reply, simply ask Selective to remove you from Selective’s list. If you do not receive acknowledgement of your inquiry or your inquiry has not been satisfactorily addressed, you should contact Selective's Privacy Officer at privacy@selective.com.

Sale Or Transfer Of Information

Selective does not sell personal information obtained through Selective's Sites to third parties for marketing purposes. However, in the event of a sale, merger, liquidation, dissolution, or transfer of part of the business, trade or assets of Selective and/or any of its individual affiliates, Selective may share information about you to prospective buyers and all personal information collected about you via Selective's Sites may be sold, assigned, or transferred to the party acquiring all or substantially all of the equity or assets or business of Selective. You consent to the sale and transfer of your information as described in this paragraph.

Internet Security

The Internet is an unsecure medium. Accordingly, Selective is not responsible for, and does not assume any liability for any harm, loss or damage you may incur by sending your personal information to Selective via the Internet, either by posting on Selective's Sites, sending by e-mail or any other method of Internet transmission.

Security

Selective is committed to safeguarding privacy. Selective requires its employees to protect the privacy of information about Selective insureds and requires its partners and suppliers to enter into written confidentiality agreements to protect your information. Selective employs appropriate security measures to safeguard your transactions, and contractually requires its partners and suppliers to do the same. These measures include maintaining appropriate administrative, technical and physical safeguards to protect your personal information. In the event of a security breach impacting your personal information, Selective will attempt to notify you at your most recent email address on record. By providing your email address, you consent to Selective communicating with you electronically using your email address.

Social Security Numbers

Selective may collect and use Social Security Numbers (SSNs) in its course of business as necessary to process transactions. Selective is committed to safeguarding and protecting the confidentiality of SSNs, prohibits unlawful disclosure of SSNs, and limits access to SSNs to essential personnel or third party service providers that have signed written confidentiality agreements and who require access to such information to complete transactions.

Privacy Inquiries

Selective has appointed a Chief Privacy Officer. Should you believe your personal information has been used in a way that is not consistent with this Notice or your stated preferences, or should you have further questions related to this Notice, please contact privacy@selective.com. Written inquiries may be addressed as follows: Selective Insurance Group, Inc., Attn: Chief Privacy Officer, 40 Wantage Avenue, Branchville, NJ 07890.

Links And Third Party Web Sites

Selective's websites may include links to other websites ("Other Sites"), including access to content, products and services offered on Other Sites. In some cases, these Other Sites may have the same (or a similar) look and feel as Selective's Sites, and may appear to be part of Selective's Sites. However, other than for Selective HR’s website, whenever you choose to access Other Sites or non-Selective content, a separate browser window will launch and you will leave Selective's Sites. We urge you to familiarize yourself with the individual privacy and other terms for each linked site prior to submitting your personal information. We are not responsible for the content, privacy policies or practices employed by Other Sites.

How Will We Notify You If This Notice Changes?

Selective will post any material changes to this Notice at least thirty (30) days prior to the changes taking effect. If Selective makes material changes to this Notice that affect Selective's treatment of your personal information, Selective will provide you with e-mail notice of such changes. You may choose to request that Selective delete your information, or your continued use of the Sites after receipt of Selective's Revised Notice ("Revised Notice") constitutes your acceptance of the Revised Notice.

Children And Minors

Selective does not target, nor does it want to collect personal information from minors (children under 13 years of age, or any other age defined under applicable law). If Selective becomes aware that a minor is attempting to or has submitted personal information via the Sites, Selective will notify the user his or her personal information will not be accepted, and delete any such personal information.

Persons Visiting from Outside the U.S.

The Sites are hosted in the U.S. and are intended for U.S. persons. If you are visiting from outside the U.S. and choose to provide us with personal information, please be aware that you are transferring information to the U.S. which may be a jurisdiction with less restrictive privacy laws than those laws in your own jurisdiction. By entering personal information through Selective's Sites, you consent to its transfer to the U.S. and storage and use of such information as described in this Notice.

The policies and practices described in this Notice replace all previous notices or statements regarding this subject as of 30 days from the update date below.

Last updated January 1, 2010