Please read the following legal notices carefully. Your use of this web site constitutes your agreement with the terms and conditions set forth below. These terms and conditions may be changed or updated at any time. You are responsible for reviewing them periodically for current information. Additional legal notices regarding specific products, services, as well as conditions, restrictions or disclosures may be described on "subsites" within The Hartford's main web site.
The Hartford Financial Services Group, Inc. is the parent company of the family of Hartford companies, including Hartford Fire Insurance Company and Hartford Life, Inc., and their affiliates, offering property and casualty and life insurance products and services and other financial products and services, also known collectively as The Hartford. Unless otherwise indicated, the products and services are available for the U.S. only and not all products or services are available in all locations.
The Hartford®, Hartford Life®, the Stag logo, and combinations of the foregoing are registered trademarks of Hartford Fire Insurance Company. All other trademarks, service marks, trade names, logos and icons, registered or not, are the property of The Hartford or third parties which may be indicated. Other materials, including video, sound recordings and images, on this web site are a copyright of or proprietary to The Hartford or are used with the consent of the owner. The contents of this site are protected by copyright, trademark or other intellectual property laws of the U.S. or in some instances, foreign laws. Unauthorized use may violate copyright, trademark and other laws.
You may copy or print materials of The Hartford from this site limited solely for your noncommercial, personal use unless otherwise indicated. You must retain any and all proprietary or copyright notices. You may not copy, transmit, distribute, modify, publicly perform, reuse, sell, or display any of the contents of this web site for any public or commercial purpose except with the prior written consent of The Hartford or the owners of the materials. You may not use the contents in any other web site or in a network computer environment.
Links from this site to a non-Hartford site may be provided for users' convenience only. The Hartford does not control or review these sites nor does the provision of any link imply an endorsement or association of such non-Hartford sites. The Hartford is not responsible for and makes no representation or warranty regarding the contents, completeness or accuracy or security of any materials on such sites. If you decide to access such non-Hartford sites, you do so at your own risk.
The materials and services on this web site are provided "as is" and for information purposes only. The Hartford and its licensors make no representations or warranties that the materials are suitable for your needs, are complete, timely, reliable, or are free from errors, inaccuracies or typographical mistakes. The Hartford and its licensors disclaim all warranties, express or implied, including, but not limited to, implied warranties of merchantability or fitness for a particular purpose or non-infringement of other's rights. The Hartford does not warrant that the web site will operate error free or is free from viruses, worms, Trojan horses or other destructive or harmful code. The Hartford makes no representation or warranty that all products and services are available in all locations.
In no event shall The Hartford or its licensors be liable to you for damages of any kind whatsoever including, but not limited to, direct, indirect, consequential, special, incidental, including without limitation, lost profits or damages resulting from lost data or business interruption, or punitive damages of any kind whatsoever that may result from your use of or inability to use this web site or the materials or services provided on this web site or the products or services received from this web site. Exemptions of implied warranties may not be allowed in all jurisdictions.
This web site and the agreement shall be governed by the laws of the State of Connecticut without giving effect to any principles of conflict of laws. If any provision or provisions of this agreement shall be held to be invalid, illegal or unenforceable, the validity, legality or enforceability of the remaining provisions shall not in any way be affected or be impaired thereby. You agree that any dispute between you and The Hartford arising from your use of this web site shall be brought exclusively in the state or federal courts of competent jurisdiction in Connecticut.
Privacy Policy and Practices of The Hartford Financial Services Group, Inc. and its Affiliates (herein called "we, our, and us").
This Privacy Policy applies to our United States Operations. We value your
trust. We are committed to the responsible:
a) management;
b) use; and
c) protection;
of Personal Information.
This notice describes how we collect, disclose, and protect Personal Information.
We collect Personal Information to:
a) service your Transactions with us; and
b) support our business functions.
We may obtain Personal Information from:
a) You;
b) your Transactions with us; and
c) third parties such as a consumer-reporting agency.
Based on the type of product or service You apply for or get from us, Personal
Information such as:
a) your name;
b) your name;
c) your income;
d) your payment; or
e) your credit history;
may be gathered from sources such as applications, Transactions, and consumer
reports.
To serve You and service our business, we may share certain Personal Information.
We will share Personal Information, only as allowed by law, with affiliates such
as:
a) our insurance companies;
b) our employee agents;
c) our brokerage firms; and
d) our administrators.
As allowed by law, we may share Personal Financial Information with our affiliates
to:
a) market our products; or
b) market our services;
to You without providing You with an option to prevent these disclosures.
We may also share Personal Information, only as allowed by law, with unaffiliated
third parties including:
a) independent agents;
b) brokerage firms;
c) insurance companies;
d) administrators; and
e) service providers;
who help us serve You and service our business.
When allowed by law, we may share certain Personal Financial Information with
other unaffiliated third parties who assist us by performing services or functions
such as:
a) taking surveys;
b) marketing our products or services; or
c) offering financial products or services under a joint agreement between
us and one or more financial institutions.
We will not sell or share your Personal Financial Information with anyone for
purposes unrelated to our business functions without offering You the opportunity
to:
a) "opt-out;" or
b) "opt-in;"
as required by law.
We only disclose Personal Health Information with:
a) your proper written authorization; or
b) as otherwise allowed or required by law.
Our employees have access to Personal Information in the course of doing their
jobs, such as:
a) underwriting policies;
b) paying claims;
c) developing new products; or
d) advising customers of our products and services.
We use manual and electronic security procedures to maintain:
a) the confidentiality; and
b) the integrity of;
Personal Information that we have. We use these procedures to guard against
unauthorized access.
Some techniques we use to protect Personal Information include:
a) secured files;
b) user authentication;
c) encryption;
d) firewall technology; and
e) the use of detection software.
We are responsible for and must:
a) identify information to be protected;
b) provide an adequate level of protection for that data;
c) grant access to protected data only to those people who must use it in the
performance of their job-related duties.
Employees who violate our Privacy Policy will be subject to discipline, which may include ending their employment with us.
At the start of our business relationship, we will give You a copy of our current Privacy Policy.
We will also give You a copy of our current Privacy Policy once a year if You maintain a continuing business relationship with us.
We will continue to follow our Privacy Policy regarding Personal Information even when a business relationship no longer exists between us.
As used in this Privacy Notice:
Application means your request for our product or service.
Personal Financial Information means financial information such as: a) credit
history;
b) income;
c) financial benefits; or
d) policy or claim information.
Personal Health Information means health information such as:
a) your medical records; or
b) information about your illness, disability or injury.
Personal Information means information that identifies You personally and is
not otherwise available to the public. It includes:
a) Personal Financial Information; and
b) Personal Health Information.
Transaction means your business dealings with us, such as:
a) your Application;
b) your request for us to pay a claim; and
c) your request for us to take an action on your account.
You means an individual who has given us Personal Information in conjunction
with:
a) asking about;
b) applying for; or
c) obtaining;
a financial product or service from us if the product or service is used mainly
for personal, family, or household purposes.
This Privacy Policy is being provided on behalf of the following affiliates of The Hartford Financial Services Group, Inc.:
American Maturity Life Insurance Company; First State Insurance Company; Hart Life Insurance Company; Hartford Accident and Indemnity Company; Hartford Administrative Services Company; Hartford Casualty Insurance Company; Hartford Equity Sales Company, Inc.; Hartford Fire Insurance Company; Hartford HLS Series Fund II, Inc.; Hartford Insurance Company of Illinois; Hartford Insurance Company of the Midwest; Hartford Insurance Company of the Southeast; Hartford International Life Reassurance Corporation; Hartford Investment Financial Services, LLC; Hartford Investment Management Company; Hartford Life and Accident Insurance Company; Hartford Life and Annuity Insurance Company; Hartford Life Insurance Company; Hartford Life Group Insurance Company, Hartford Lloyd's Insurance Company; Hartford Mezzanine Investors I, LLC; Hartford Securities Distribution Company, Inc.; Hartford Series Fund, Inc.; Hartford Specialty Company; Hartford Specialty Insurance Services of Texas, LLC; Hartford Underwriters Insurance Company; Hartford-Comprehensive Employee Benefit Service Company; HL Investment Advisors, LLC; Hartford Life Private Placement, LLC; M-CAP Insurance Agency, LLC; New England Insurance Company; Nutmeg Insurance Agency, Inc.; Nutmeg Insurance Company; Nutmeg Life Insurance Company; Omni General Agency, Inc.; Omni Indemnity Company; Omni Insurance Company; Pacific Insurance Company, Limited; Planco, LLC; Planco Financial Services, LLC; Property and Casualty Insurance Company of Hartford; Sentinel Insurance Company, Ltd.; Servus Life Insurance Company; Specialty Risk Services, LLC.; The Hartford Income Shares Fund, Inc.; The Hartford Mutual Funds II, Inc.; The Hartford Mutual Funds, Inc.; Trumbull Insurance Company; Trumbull Services, L.L.C.; Twin City Fire Insurance Company; Woodbury Financial Services, Inc.
© 2004 The Hartford Financial Services Group, Inc. All Rights Reserved.
HPP Revised February 2006