Lancer Insurance Company ("LIC"), Lancer Management Company, Inc. ("LMC") and their affiliates (referred to collectively as "Lancer") are committed to treating the personal information we collect about our customers, potential customers, former customers and claimants with the highest degree of confidentiality. For this reason and in compliance with the law, LIC, LMC and their affiliates have developed a Privacy Policy that applies to all of these companies. For purposes of this Policy, the term "personal information" includes all information we obtain about an individual and maintain in a personally identifiable way. In order to assure the confidentiality of the personal information we collect and in order to comply with applicable laws, all individuals with access to personal information about our customers, potential customers, former customers and claimants are required to follow this policy.

Collection, Retention and Correction of Personal Information about a Customer or Claimant
We collect the personal information about a customer, potential customer or claimant that we determine is necessary to deliver our products and services or to process a claim. Individuals with access to personal information are to use such information for such purposes only.

We retain personal information only as long as required by our business practices and applicable law.

If we become aware that an item of personal information may be materially inaccurate, we will make a reasonable effort to re-verify its accuracy and correct any error as appropriate.

Confidentiality and Security
We maintain physical, electronic and procedural safeguards to ensure that personal information is treated in compliance with applicable laws and regulations and in accordance with our privacy policy. We also restrict access to personal information within our organization to those employees who need to know that information to provide products or services to our customers or to conduct Lancer business. Employees who have access to customer information may use it only on behalf of Lancer for legitimate business purposes.

Disclosure of Personal Information
We maintain procedures to assure that we do not share personal information with any affiliated or nonaffiliated third party unless such sharing is permitted or required by law. Personal information may be disclosed to a nonaffiliated third party for necessary servicing of our products or other related services or for other normal business transactions as permitted by law.

We require nonaffiliated third parties to whom we disclose customer information for the purpose of performing a service for us to sign an agreement that the information will not be used or disclosed except to carry out the purposes for which we disclosed the information and only as permitted by applicable state and federal law.

Personal Information Relating to Mental or Physical Health
We do not use or share personal information relating to mental or physical health for any purpose except as required or permitted by law or as otherwise authorized by the individual to whom the information relates.

Inquiries
Questions regarding this Privacy Policy should be directed to Lancer's General Counsel at 370 West Park Avenue, Long Beach, New York 11561.

Proprietary Information
All information provided by Lancer Insurance Company and its affiliated companies (collectively "Lancer") through their web sites or e-mail transmissions is owned by or licensed to Lancer. Lancer and its licensors retain all proprietary rights to Lancer information. All unauthorized use of published information is strictly prohibited without prior written permission from the appropriate Lancer company. You may, however, copy or print without alteration documents published on our sites or transmitted via e-mail for noncommercial use within your organization provided that all copyright and other proprietary notices appear in all copies in the same manner as the original.

All trade names, trademarks, service marks, images and logos on materials, including electronic facsimiles, published by Lancer are proprietary to their respective owners and are protected by applicable trademark and copyright laws. Lancer owned marks include but are not limited to MOPS®, Merchant Officers Protective Syndicate®, MOPS & Design^SM, MOPS Marine License Insurance^SM, Profesional Mariners Alliance^SM, Lancer Insurance Company & design®, Safe Truck Plus® & design®, Safe Coach Plus® & design®, Critical Issues & design®, LimoKits®, LimoXchange® & design®, BusNet & design®, Lancer Compliance Services®, Lancer Management Company SM, Teachers' Insurance Plan of NJ & design^SM, Lancer^SM, Lancer Insurance & design^SM, Nobel Insurance Services^SM and D.C. White Agency®. Any unauthorized use of Lancer owned marks or graphics is strictly prohibited. Further, any product, process or technology contained in individual documents on our web sites may be the subject of other intellectual property rights reserved by Lancer.

No portion of this web site or any other intellectual property of Lancer may be used on any other web site, in the source code of any other web site or in any other printed or electronic materials, except as expressly provided herein. Linking from another web site to any page in this web site is strictly prohibited without prior written permission. Lancer assumes no responsibility for any material outside of Lancer owned web sites that is accessed by any hypertext or other computer link through any of our web sites. Any attempt or act by you, directly or indirectly, to disrupt, impair or interfere with, alter or modify any Lancer owned web site, e-mail server or proprietary information is strictly prohibited.

Products and Services
The information contained in Lancer web sites is intended as general information and does not constitute complete descriptions of all terms, exclusions and conditions applicable to the products and services offered by Lancer. Insurance coverage provided by Lancer is limited to actual policies issued and is subject to the terms and conditions stated in the policies. Product availability varies by state and the individual circumstances of each applicant. The on-line completion of a Lancer Survey creates no express or implied obligation on the part of Lancer to offer a quote or provide insurance as requested.

Privacy
Please review our Privacy Policy which also governs your visit to Lancer web sites.

Disclaimer of Warranty
The content and materials in Lancer web sites are provided "as is". Lancer expressly disclaims all warranties, express or implied, with respect to Lancer sites and the material contained therein. This includes, but is not limited to, warranties that the material is of any particular level of quality or is fit for a particular purpose; that the functions or operations of this site will be uninterrupted or error-free; that defects will be corrected; that our web sites, e-mail sent from Lancer or the servers that make them available are free of viruses or other harmful components or conditions; or that the information contained in the sites is accurate of any particular date. Some states do not allow the disclaimer of implied warranties, so the foregoing disclaimer may not apply to you.

Limitation of Liability
Lancer shall not be responsible for any injury, loss, claim or damage, nor any indirect, special, incidental or consequential damages of any kind, whether based in contract, tort, strict liability, or otherwise, which arises out of (1) the use of, or the inability to use, Lancer sites or the information found on Lancer sites; (2) use of, or the inability to use, any site to which you hyperlink from our sites; (3) failure of performance; (4) error, omission, interruption, defect or delay in operation or transmission; (5) computer virus; or (6) line failure. Lancer is not liable for any consequential or incidental damages, damages reasonably expected to result from a loss or injury or other miscellaneous damages and expenses resulting directly from a loss or injury. In addition, Lancer is not liable even if we have been negligent or if we have been advised of the possibility of damages.

Some states do not allow the exclusion of liability for certain damages, so the foregoing exclusions may not apply to you in their entirety. Our liability to you for all losses of any kind, regardless of the legal theory for the claim, is limited, in any event, to the amount you have paid to access our sites.

Jurisdiction
Use of this site shall be governed by and construed in accordance with the laws of the State of New York without giving effect to any principles of the conflicts of laws. Any dispute concerning this site shall be subject to the exclusive venue of a court of competent jurisdiction in Nassau County, New York.

Should any provision of these Terms of Use be held invalid, unlawful or for any reason unenforceable, then the invalid, unlawful or unenforceable provision shall be severable from the remaining provisions. Such invalid, unlawful or unenforceable provision shall not affect the validity or enforceability of the remaining provisions.

Lancer Affiliated Companies
These Terms of Use apply to Lancer Insurance Company and its affiliates Lancer Financial Group, Inc., Lancer Management Company, Inc. and Lancer Compliance Services, Inc.

* Reg. U.S. Patent and Trademark Office