Thank you for visiting ZeniaInsure.com (the "Website"). Zenia is a technology-centric insurance platform powered by Zenith Insurance Company ("Zenith"). During your use of the Website, we may collect and process certain information about you and your business. We have created this Privacy Statement in order to demonstrate our firm commitment to the protection of your privacy. The following discloses our information gathering and dissemination practices for the Website.

If you do not agree with our policies and practices, your choice is not to use our Website. By accessing or using this Website, you agree to this privacy policy. This policy may change from time to time (see Changes to Our Privacy Statement). Your continued use of this Website after we make changes is deemed to be acceptance of those changes, so please check the policy periodically for updates.

This Privacy Statement applies to information we collect:

• On this Website.
• In email, text, and other electronic messages between you and this Website.
• When you interact with our advertising and applications on third-party websites and services, if those applications or advertising include links to this policy.

It does not apply to information collected by:

• Us offline or through any other means, including on any other website operated by Zenith or any third party (including our affiliates and subsidiaries); or
• Any third party (including our affiliates and subsidiaries), including through any application or content (including advertising) that may link to or be accessible from or on the Website.

Our Policies Regarding Children and Minors

If you are under the age of 18, you may not use the Website without the express consent and participation of a parent or guardian.

Zenith will not knowingly collect any personal information about you if you are under the age of 18, except as otherwise required by law. If you believe that we have information from or about any minors under the age of 18, please notify us at 800-440-5020.

Information Collected, Use and Disclosure of Your Information

We use your IP address to help diagnose problems with our server, and to administer the Website. Your IP address is also used to gather broad demographic information.

We also automatically collect information via technology about how you use Zenith's website, including the elements you have interacted with, metadata, and other details about these elements, clicks, change states, and other user actions. This information is used primarily to provide, maintain, protect, and improve the Website, our current products and services, and to develop new products and services.

We use cookies on certain pages of the Website. Cookies are stored on your computer, not on our site. Most cookies are "session cookies" which means that they are automatically deleted at the end of each session. A cookie itself does not have the ability to automatically collect personal information about you. A cookie can store certain information that identifies your computer to us so that you don't have to re-enter that information as frequently when you use our site. The cookie does not contain your password.

You can set your browser to refuse all or some browser cookies, or to alert you when cookies are being sent. To learn how you can manage your Flash cookie settings, visit the Flash player settings page on Adobe's website. If you disable or refuse cookies, please note that some parts of this site may then be inaccessible or not function properly.

In order to be able to provide you with an insurance quote, the Website's insurance application requires users to give us certain personal and business information including, but not limited to, your name, job title, company name, company address, company phone number, email address, and demographic information. Your contact information may be used by Zenith or your insurance agent to contact you, if necessary. The Website may also collect information from third party sources.

By submitting an application for insurance or otherwise providing information to us, we have your consent for the use of your personal information in order to assess your insurance application and business, enter into a contract with you, and for our legitimate business and legal interests.

We also occasionally may send email to our users announcing changes in our services and other information we believe will be of interest to our customers and potential customers. Users may opt-out of receiving future mailings; see the choice/opt-out section below. Contact information that is collected is used to verify the user's policy and to bill the user for products and services. Demographic and profile data is also collected at our site.

If you send us personal correspondence, such as emails or letters, or if other users or third parties send us correspondence about your activities or postings on our site, we may collect such information into a file specific to you. We use information in the file that we maintain for you, and other information that we obtain from your use of the services, to resolve disputes, troubleshoot problems, and enforce our Terms of Service.

We have partnered with various affiliates and companies, and gather information regarding services and products our partners may provide. This information may be made available to those affiliates and companies on an aggregate basis.

Accessing and Correcting Your Information

You may have the right to access and correct the personal information that we collect from and about you. You may send us an email at WebQuestions@thezenith.com to request access to, correct or delete any personal information that you have provided to us. We cannot delete your personal information except by also deleting your user account or profile. We may not accommodate a request to delete or change information if we believe the change would violate any law or legal requirement or cause the information to be incorrect.

We cannot ensure that all of your private communications and other personally identifiable information will never be disclosed in ways not otherwise described in this Privacy Statement. For example, we may be forced to disclose information to the government or third parties under certain circumstances, or third parties may unlawfully intercept or access transmissions or private communications. We can (and you authorize us to) disclose any information about you to law enforcement or other government officials as we, in our sole discretion, believe necessary or appropriate in connection with an investigation of fraud, intellectual property infringements, or other activity that is illegal or may expose us to legal liability.

Linked Sites

For your convenience, this Website contains links to other sites. Zenith is not responsible for the privacy practices or the content of such websites. For more information about our policies with regard to third party websites, please see the Terms of Service.

Security

Access to personal information that you have provided to us is limited to employees, consultants, and other agents of Zenith who need to know that information in order to service your account. We store data in a controlled, secured environment. We have physical, electronic, and procedural safeguards in place to protect against the loss, misuse, or alternation of information that we have collected from you on the Website.

Unfortunately, the transmission of information via the internet is not completely secure. Although we do our best to protect your personal information, we cannot guarantee the security of your personal information transmitted to our Website. Any transmission of personal information is at your own risk. We are not responsible for the circumvention of any privacy settings or security measures contained on the Website.

Email Communications

We use the information that you provide for the express purpose of sending email news and communications about Zenith and our workers' compensation and Agribusiness Solutions services. Zenith does not sell or share email addresses with third parties. We do not give or sell our customers' personal information to others for marketing purposes. If you do not want to receive email from us, please follow the opt-out instructions at the bottom of any email message you receive from us, or email us at optout@thezenith.com.

Choice/Opt-Out

If you would like your information from our database to be removed (where applicable) or if you no longer want to receive future communications, please email optout@thezenith.com.

Changes to Our Privacy Statement

It is our policy to post any changes we make to our Privacy Statement on this page with a notice that the Privacy Statement has been updated on the Website home page. If we make material changes to how we treat our users' personal information, we will notify you by email to the primary email address specified in your account. The date the Privacy Statement was last revised is identified at the bottom of the page. You are responsible for ensuring we have an up-to-date active and deliverable email address for you, and for periodically visiting our Website and this Privacy Statement to check for any changes.

This Privacy Statement applies to Zenith National Insurance Corp. and its majority owned subsidiaries, including but not limited to:

• Zenith Insurance Company
• ZNAT Insurance Company

Contacting the Website

If you have any questions about this Privacy Statement, the practices of this Website, or your dealings with this website, you can contact:
Zenith Insurance Company 21255 Califa Street Woodland Hills, CA 91367 800-440-5020 WebQuestions@thezenith.com.

(Privacy Statement as of 05/19/2021)