Consumer Disclosure(s)

Important information about how we use your information and how our information may be presented.

This plan provides insurance coverage that only applies during the covered trip. You may have coverage from other sources that provides you with similar benefits but may be subject to different restrictions depending upon your other coverages. You may wish to compare the terms of this policy with your existing life, health, home, and automobile insurance policies. If you have any questions about your current coverage, call your insurer or insurance agent or broker.

Purchasing travel insurance is not required in order to purchase any other products or services offered by the Travel Retailer.

What A Travel Retailer May Do:

Employees of a Travel Retailer may transact Travel Insurance on our behalf and under our direction, including:

  1. Offering/disseminating information on our behalf, including brochures, buyer guides, descriptions of coverage, and price;
  2. Referring specific coverage/feature/benefit questions to us;
  3. Disseminating/processing applications for coverage, coverage selection forms, or other similar forms;
  4. Collecting premiums on our behalf;
  5. Receiving/recording information to share with us;

What A Travel Retailer May Not Do:

The Travel Retailer’s employees:

  1. are not qualified or authorized to answer technical questions about the benefits, exclusions or conditions of any of the insurance offered by the Travel Retailer; or
  2. to evaluate the adequacy of a prospective insured’s existing insurance coverage.

Definitions

Travel Insurance” means coverage for personal risks incidental to planned travel, including one or more of the following:

Interruption or cancellation of a trip or event;
Loss of baggage or personal effects;
Damage to accommodations or rental vehicles; or
Sickness, accident, disability, or death occurring during travel.

The following are excluded from the definition of Travel Insurance: Major medical plans, which provide comprehensive medical protection for travelers on trips lasting 6 months or longer (e.g. working overseas, deployed military personnel, etc.). In some States, Damage waiver contracts that are part of a rental company’s agreement. The phrase “damage waiver” or “collision damage waiver” cannot be used to describe travel insurance coverage, but the travel insurance contract may otherwise refer to “damage waiver” or “collision damage waiver” provided by a rental company.

We, Us or Our” means Trip Mate, Inc.

DISCLOSURE TO CALIFORNIA RESIDENTS: [1754(a)(7) & (8)]

  1. Purchasing travel insurance is not required in order to purchase any other product or service offered by the travel retailer.
  2. Your travel retailer may not be licensed to sell insurance, and is therefore not qualified or authorized to:
    1. Answer technical questions about the benefits, exclusions, and conditions of any of the insurance offered by the travel retailer.
    2. Evaluate the adequacy of your existing insurance coverage.

This plan provides insurance coverage that only applies during the covered trip. You may have coverage from other sources that provide you with similar benefits but may be subject to different restrictions depending upon your other coverages. You may wish to compare the terms of this policy with your existing life, health, home and automobile insurance policies. If you have any questions about your current coverage, call your insurer or insurance agent or broker.

DISCLOSURE TO DELAWARE RESIDENTS: [1772(2)a.7.]

The insurance coverage may duplicate existing coverages you may have. You may wish to compare the terms of this policy with your existing life, health, home and automobile policies, and other sources of protection.

DISCLOSURE TO MARYLAND RESIDENTS: [10-122 (d)(1)(ii)(4)]

This insurance coverage may duplicate certain provisions of insurance coverage already provided by your homeowner’s, renter’s or similar coverages or insurances, and that the purchase of travel insurance would make travel insurance primary to any other duplicate or similar coverage.


PRIVACY POLICY OF UNITED STATES FIRE INSURANCE COMPANY

When used throughout this document “The Company”, “Our”, “We”, or “Us” means: United States Fire Insurance Company.

PRIVACY POLICY AND PRACTICES

The Company values your business and your trust. In order to administer insurance policies and provide you with effective
customer service, we must collect certain information about our customers. We want you to know that we are committed to
protecting your private information and we will comply with all federal and state privacy laws. Below is a Privacy Notice
describing our policy regarding the collection and disclosure of personal information. Please review this Notice and keep a
copy of it with your records.

Your Privacy is Our Concern

When you apply to The Company for insurance or make a claim against a policy written by The Company, you disclose
information about yourself to us. There are legal requirements governing the collection, use, and disclosure of such
information. The Company maintains physical, electronic, and procedural safeguards that comply with state and federal
regulations to guard your personal information. We also limit employee access to personally identifiable information to those
with a business reason for knowing such information. The Company instructs our employees as to the importance of the
confidentiality of personal information, and takes measures to enforce employee privacy responsibilities.

What kind of information do we collect about you and from whom?

We obtain most of our information from you. The application or claim form you complete, as well as any additional
information you provide, generally gives us most of the information we need to know. Sometimes we may contact you by
phone or mail to obtain additional information. We may use information about you from other transactions with us, our
affiliates, or others. Depending on the nature of your insurance transaction, we may need additional information about you or
other individuals proposed for coverage. We may obtain the additional information we need from third parties, such as other
insurance companies or agents, government agencies, medical personnel, the state motor vehicle department, information
clearinghouses, credit reporting agencies, courts, or public records. A report from a consumer reporting agency may contain
information as to creditworthiness, credit standing, credit capacity, character, general reputation, hobbies, occupation,
personal characteristics, or mode of living.

What do we do with the information collected about you?

If coverage is declined or the charge for coverage is increased because of information contained in a consumer report we
obtained, we will inform you, as required by state law or the federal Fair Credit Reporting Act. We will also give you the
name and address of the consumer reporting agency making the report. We may retain information about our former
customers and may disclose that information to affiliates and non-affiliates only as described in this notice.
To whom do we disclose information about you?

We may disclose all the information that we collect about you, as described above. We may disclose such information about
you to our affiliated companies, such as:

  • Insurance companies;
  • Insurance agencies;
  • Third party administrators;
  • Medical bill review companies; and
  • Reinsurance companies.

We may also disclose nonpublic personal information about you to affiliated and nonaffiliated third parties as permitted by
law. You have a right to access and correct the personal information we collect, maintain, and disclose about you.

How to contact Us

You may obtain a more detailed description of the information practices prescribed by law by contacting us at the address
below. Remember to include your name, address, policy number, and daytime phone number.

Privacy Policy Coordinator
Fairmont Speciality
5 Christopher Way, 3rd Floor
Eatontown, New Jersey 07724